When it comes to driving, it’s vital to have some form of protection in place. And while most states have laws that provide some sort of personal injury protection for drivers who are involved in crashes, there’s still a possibility they may not be covered when you’re hurt on the road.
Depending on your state’s laws, it may be necessary to acquire an additional form of coverage, such as uninsured or underinsured motorist coverage, to help cover costs when you are unable to drive due to a wreck. States that don’t have this option in place may require you to seek additional coverage, which can be expensive and add to your insurance costs. So if you are worried about costs, it’s wise to contact an experienced auto accident attorney to explore your options.
The effects of wrecking
The effects of a car wreck, especially one with extensive damage, can be extensive. When you are unable to drive, you may experience a number of problems:
-· ambulances may be slow to respond due to the delays in getting to the scene of an accident.
-· restaurants or other public locations may close.
-· Car mobility services, such as wheelchairs, may not be an option for you.
-· Your record may become embarrassing for you, especially if it shows you were speeding.
If you are involved in an accident that requires an ambulance, it’s important to get your insurance claim underway as soon as possible. It’s especially important to do so if you are injured, especially if you suffer non-functional neckities as a result of the accident.
If you don’t have insurance, you may be able to file a police report or get a court order to show how much damage was sustained in the car accident. But you may be faced with damages totals that aren’t calculated due to theft or other frame damage, and you may not be able to get enough compensation to cover these damages. In this case, you should explore your options for filing a claim for damage, but especially when it comes to non-filing options, such as police reports and court orders, you may want to allow your insurance provider to take care of your claims quickly.
When considering your options for filing, you should first identify who is responsible for paying your medical bills, property damage, and other expenses – in the case of an individual other than your own, see if the property was also damaged during the course of the accident. Compare this damage to the estimate you were given when the accident was initially reported to your insurance company; keep your costs in mind when negotiating your insurance policy with this individual. You may be able to pursue damages through your state’s Civilian Development Agency, which can help you seek compensation for medical expenses and property damage.
Of course, this doesn’t necessarily mean you should drop your claim altogether – rather, see what your insurance company will do after you leave your own account with them. You may be able to file a claim with your own insurance provider, and then approach the provider of the claim directly. Be sure to keep detailed records of all your communications with your insurance provider, seeking to document everything about the accident so it is helpful when you’re seeking reimbursement.
Getting help after the accident
If you are involved in an accident that renders you unfit to drive, contact your own insurance provider to get some assistance. Arrange a convenient time for you to pick up your claim documents and your medical records. Remember that these documents will play an important role in giving your insurer evidence that you were fit to drive.
When looking for an insurance provider, see if you can get a quote for from two to four policy premiums. As your policy maybe with one insurer or another, it is important to keep that in mind, especially if you have filed a claim with your insurance provider. Calling your insurance agent will help you learn whether you have any insurance policy benefits from other insurance providers.
If you are unable to see your own records, ask your agent to forward copies to your insurer. If you have alternative ways to communicate with them, though, don’t hesitate to use them. Write a letter or an email to the agent, detailing what types of records you need. Be thorough when communicating with your agent; be honest about what you don’t know.