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How to Make Auto Accident Claims You should be prepared when it comes to filing auto accident claims. The first step is draw a precise sketch of the scene of the accident. This should include the street layout, how the vehicles were laid out prior to and after the accident, and any witnesses. Also keep track of any injuries or pain that you suffered as a result of the accident. Pain and suffering can be considered injuries, and could be a basis for an action for damages. Pedestrian accidents can result in serious injuries Pedestrian accidents are very frequent, and can cause a lot of injuries. These injuries can be serious and require expensive medical treatment. They can also cause stress for the victim. Distracted driving is another significant factor that can contribute to these accidents. Drivers who are distracted are usually texting or talking on their mobile phones, which takes their focus off the road. Even if they're moving at a snail's pace, these drivers remain a danger to pedestrians. Pedestrians who get hit by vehicles often suffer fractured bones. In extreme cases this could result in punctured lungs , or even a broken heart. The pedestrian could also suffer burns or road rash, and may be permanently damaged. Many pedestrian accidents may cause emotional trauma. Pedestrian accidents are especially tragic because they often result in death and catastrophic injuries. Riddle & Brantley attorneys are familiar with these cases and know the devastating consequences they be for the victims. Whether the accident happened on the sidewalk, in a parking lot, or street, it could result in catastrophic injuries, or even death. The legal firm can help you get compensation for injuries such as these. You can file a claim against the insurance company of the driver if you were struck by a vehicle. But, keep in mind that the insurance company is a commercial entity and is motivated to make money. It will do everything possible to settle your claim quickly and for as little as possible. If you don't act quickly that you are aware of your rights to additional compensation and settle for less than what you're entitled to. To ensure that you are protected by your rights and obtain the compensation you are due, it is essential that you seek the help of an experienced personal injury lawyer. Uninsured/underinsured motorist coverage Underinsured/uninsured motorist coverage provides an extra layer of protection to drivers who are in an accident. While everyone who is injured in a car accident is entitled to Personal Injury Protection (PIP) insurance, this insurance typically is not enough to cover the entire costs of the accident. Fortunately, there are ways to maximize the amount of money you can receive from your Uninsured/underinsured Motorist claim. Underinsured/underinsured motorist claims cover the damage caused by an at-fault driver without enough insurance to pay for the damages. First, you must verify that the insurance policy of the at-fault driver does not cover the damages. You need to prove that the accident was caused or caused by a hit and run driver. In some states, uninsured/underinsured motorist insurance is mandatory. These states require UM coverage equal to your liability coverage. In other states, it's optional. Once you've found an uninsured/underinsured motorist, be sure to report it to your insurance company. Then, follow up with the adjuster assigned to your case. The adjuster will look into the incident and make a decision on your claim. Uninsured/underinsured motorist coverage is an important part of auto insurance. This coverage can give you an additional boost to your claim. It could cover the expense of medical bills, and the damage caused by an uninsured driver. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. If the driver at fault does not have sufficient insurance, the insurance company will open an account and investigate the accident. attorney auto accident will also seek medical records and other evidence in this time to determine the value of the claim. Based on the severity of the injuries, the process could take between a few weeks up to six months. Collision coverage Collision insurance covers damage to your vehicle from other drivers. It also pays for damage to your car when you crash into other objects like guardrails or trees. Although collision coverage is legally required but you can select a lower deductible to lower your monthly insurance premium. However, high deductibles can increase out-of-pocket costs. When choosing collision coverage, you should consider the actual cash value of your car. The amount of deductible will be affected by the car's actual cash value. The advantage of collision insurance for auto accident claims is that you don't need to worry about the fault of the accident. If you're involved in an accident the collision coverage will cover for costly repairs or an alternative vehicle. This insurance is particularly important for teenagers and new drivers who might not have a lot of experience driving. You should consider your budget when selecting collision coverage. If you're looking for a full coverage policy or a lower deductible will depend on the situation you're in and the age of your vehicle. Full coverage is more expensive than collision insurance, so if you're intending to use it once, consider cutting down the coverage. Ask your agent about the conditions of the policy to determine what your deductibles are. Collision insurance will aid in the cost of repairs if you're hit by another car or object. The maximum payout is based on the car's actual cash value. The coverage is not subject to any financial limits. It may not cover damages to pedestrians or animals, fire damage, or injuries to the body. MedPay You may be eligible to file a Med Pay claim if you or a guest are injured in a car accident. The insurance does not require proof of liability or fault. It will cover medical expenses, regardless of who was responsible in the accident. However, you must be aware that this insurance policy does not cover the emotional trauma, pain, or loss of earnings. This coverage may not apply to every auto accident. Some states permit you to only file claims for injuries caused by drunk driving. Your MedPay coverage does NOT cover the damages caused by an accident caused by intoxication. You may have to pay more for your medical bills than the coverage will allow. MedPay does not just cover medical expenses but also covers funeral expenses. While it's hard to prove fault, this insurance can be a great way to get back on track in the case of an accident. With this type of coverage, you can avoid high co-pays and deductibles that come with your health insurance. MedPay also covers ambulance expenses and emergency medical technicians. Additionally, it pays for prosthetics and nursing care. MedPay is also beneficial to drivers who travel with passengers outside of their family. Although you're not permitted to claim medical expenses beyond the policy limits the insurance can be beneficial for drivers who frequently transport passengers outside of their immediate family. MedPay is especially beneficial for ride-sharing drivers, as ride-sharing providers require riders to have additional coverage. MedPay coverage is an excellent benefit for drivers who have high-deductible health plans. It even covers co-payments for people who do not have insurance. Imagine that you've got more than $100 in medical bills after a car accident. You'd need to pay the entire amount out of pocket without coverage for medical expenses. Non-economic damages Non-economic damages are the emotional and physical hurt that results from an auto accident. These damages are designed to provide the victim with a full recovery. They cover medical bills and repairs to cars. They may also include lost wages and time off from work. Pain and suffering can last a lifetime and are difficult to quantify. These damages can be repaid by a non-economic damages claim. A personal injury lawyer can help you prove that the other driver was the cause of your injuries. This can be especially difficult if the injuries are not economically quantifiable. But it's not impossible. An experienced attorney can help you file this claim and negotiate a settlement on your behalf. It is impossible to quantify the non-economic damage so keep a journal of your experiences. Write down your intensity of pain, changes in your relationships and any emotional turmoil that you felt as a result of the accident. This document will be helpful to your lawyer in drafting an account of your case. When determining damages that are not economic, the jury has to consider the severity of the injuries and the impact they'll have on an victim. These damages include medical expenses in the past and future, medical treatment, lost wages, and any other damage to property. A jury can award this amount in many cases by multiplying the severity by an amount multiplied by. The multiplier may range between 1.5 and 5. In certain states the non-economic damages are limited at 2 or 3 times economic damages. The defendant's financial assets could also affect the amount that is recoverable. Some insurance policies will only cover a small portion of non-economic damages.