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How to Make Auto Accident Claims When it comes to making insurance claims for automobile accidents it is important to be as prepared as you can. The first thing you should do is sketch a clear diagram of the scene of the accident. This should include the street layout, the way in which the vehicles were set up prior to and after the accident, and any witnesses. Also, keep track of any injuries or pain that you suffered from the accident. You may also seek damages for pain and suffering. Serious injuries can result from pedestrian accidents Pedestrian accidents are frequent and can result in serious injuries. However these injuries can be serious, and require costly medical treatment. Additionally, they can result in an immense amount of stress for the victim. These accidents may also result from distracted driving. Distracted drivers are frequently texting or talking on their phones, which diverts their attention from the road. They pose a risk to pedestrians even when they drive at a slow speed. Pedestrians who are struck by a vehicle are often left with fractured bones. In the worst cases, this can result in punctured lungs or even a heart. Additionally, the pedestrian may sustain burns or road rash, and could be left with permanent scars. Furthermore, many pedestrian crashes can also result in emotional trauma. Pedestrian accidents are especially tragic as they can result in death and catastrophic injuries. Riddle & Brantley attorneys are experienced in these types of cases and understand the devastating consequences they can be for victims. It does not matter if the incident took place on a pedestrian path or in a parking lot. It can result in grave injuries or even death. Fortunately Accident Injury Lawyers can assist you in obtaining compensation for the injuries you sustained. If you've been hit by a car you may file a claim with the insurance company of the driver. Be aware that the insurance company is a business , and is motivated by the desire to earn money. It will try to settle your claim as quickly as possible and for the minimum amount possible. If you're not careful you could end up signing away your rights to further compensation and accepting lesser than you should. It is important to seek the advice of an experienced personal injury lawyer in order to protect your rights and get the compensation you are due. Uninsured/underinsured motorist coverage Underinsured/uninsured motorist coverage provides an extra layer of protection to drivers who are in an accident. Although everyone who is injured in an automobile accident is eligible for Personal Injury Protection (PIP) coverage but this coverage is typically not enough to cover the total cost of the collision. 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. You must first verify that the insurance policy of the driver at fault is not sufficient to cover the damages. If the accident was caused by a hit-and-run driver, you must submit evidence of physical contact as well as evidence of injury. In some states, uninsured/underinsured motorist insurance is mandatory. In these states the minimum amount of UM coverage is the same as your liability coverage. In other states, it's not mandatory. Once you've found an uninsured/underinsured motorist, be sure to report it to your insurance company. Contact the adjuster assigned to your claim. The adjuster will review the accident and then make a decision on your claim. Uninsured/underinsured motorist coverage is an important part of auto insurance. It can be an extra boost for your claim. It could cover the costs of medical expenses as well as damages caused by an uninsured driver. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. The insurance company will submit a claim, and then conduct an investigation when the driver who is at fault does not have adequate insurance. During this time they'll seek medical records and other evidence to help quantify the claims value. Depending on the severity of the injuries, the process could take anywhere from a few weeks up to six months. Collision coverage Collision coverage pays for damage caused by auto accidents by other drivers. It also covers the damage to your vehicle when you crash into other objects like guardrails and trees. You can select the lower collision deductible, which will lower the monthly premium. High deductibles can lead to more expensive out-of-pocket costs. When choosing collision coverage, you should consider the actual cash value of your vehicle. Most of the time, the value of a vehicle's cash is lower than its purchase price which means that the amount of the deductible will be different. The advantage of collision insurance for auto accident claims is that you don't have to worry about proving fault in the incident. If you are involved in an accident the collision coverage will cover for costly repairs or a replacement vehicle. This insurance is particularly crucial for teenagers and new drivers who might not have a lot of experience driving. When you are deciding on collision coverage you must consider your budget. Your age and situation will determine if you need full coverage or a lower deductible. Full coverage is more expensive than collision. If you only plan to use the insurance once, you might consider reducing the coverage. Consult your agent on the policies to determine the deductibles you'll have to pay. Collision insurance will cover repairs if you are struck by an object or vehicle. The maximum amount of payout is based on your vehicle's actual cash value. This coverage is not subject to any financial limitations. It may not cover injuries to animals or pedestrians, fire damage, or injuries to the body. MedPay If you or someone else is injured in a car accident you might be able to file an Med Pay auto accident claim. This insurance plan does not require proof of liability or fault. It will cover medical expenses, regardless the person who caused the accident. in the incident. This insurance policy does not pay for emotional distress, pain or lost wages. This protection may not be appropriate to every auto accident. Some states allow you to only file a claim for injuries sustained while driving drunk. You should also know that your MedPay policy does not cover for damages caused by an accident caused by drunk driving. Medical expenses may be more than the limits of the coverage. MedPay will not only cover medical expenses but also pay funeral expenses. Although it is difficult to prove fault, this insurance can assist you in getting back on your feet following an accident. MedPay can help you avoid the excessive co-pays and deductibles and other expenses that are associated with your health insurance. Additionally, MedPay will cover ambulance costs and emergency medical technicians. Finally, it can pay for nursing care and prosthetics. Drivers who take passengers outside of their immediate family could be eligible for MedPay. Although you are only able to get medical expenses covered within the limits of the policy, this insurance can still be beneficial if your job is to chauffeur people outside of your family. MedPay is particularly useful for drivers who use ride-sharing services, since ride-sharing companies require riders to have additional coverage. MedPay coverage is a great benefit for drivers with high deductible health insurance plans. It will even pay for co-payments for people who do not have insurance. Imagine you have more than $100 in medical expenses following a car crash. Without the med pay coverage you'd need to pay the entire cost out of your own pocket. Non-economic damages In an auto accident claim the term “non-economic” damages refers to the physical and emotional pain caused by an accident. These damages are meant to help the victim recover. They cover medical bills and car repairs. They may also include the loss of wages or time away from work. Pain and suffering can last for a lifetime and it can be difficult to quantify. These losses can be compensated through a non-economic damages claim. In order to recover non-economic damages from the other participant in an auto collision claim the personal injury lawyer must first establish that the negligent driver caused the injuries that you suffered. This can be a challenge when the injuries aren't economically calculable. It's possible but not impossible. A competent attorney can present this claim and negotiate the settlement on your behalf. Non-economic losses aren't easy to quantify Therefore, it is recommended to keep a record of your experiences. Record your daily intensity of pain, changes in your relationships, and any emotional turmoil you experienced as a result of the accident. This documentation will be helpful to your attorney in creating an account of your case. In determining the non-economic damages, the jury must take into account the severity of the injuries and the effect they'll have on an injured person. These damages include medical bills as well as future and past medical treatment, lost wages and other damage to property. A jury can award this amount in many cases by multiplying the severity with the multiplier. The multiplier could range between 1.5 and 5. In certain states, the non-economic damage limit is set at two to three times the amount of economic damages. The amount that can be recovered may also depend on the financial capacity of the defendant. Some insurance policies only cover a portion of non-economic damage.