A vehicle accident is a shock, even if it is just a minor fender-bender. The impact of the crash causes serious damage to the vehicle, or causes injuries to the driver and passengers. After an accident, taking certain steps can help you file a claim with your personal insurance policy to cover lost income from work, medical expenses, and other losses.
Recovering from injuries from an auto accident can be a lengthy and painful process. While you have the right to be compensated by the auto insurance company of the responsible driver, the amount paid in a settlement may be far less than you need, particularly when the injuries affect your ability to work and earn a living. That when your personal insurance can be a lifesaver.
The driver responsible for the collision may have the minimum limits on their insurance, or in some cases the driver is uninsured, or leaves the scene, never to be found. Your personal insurance policy can provide you with the finances you need during your recovery. Personal insurance, or “personal injury protection,” (PIP), provides coverage for the cost of medical bills, lost wages, and other losses after a car accident.
These policies have the advantage of providing coverage no matter who was at fault. If you were a passenger in an auto accident and have personal insurance, your medical bills and other losses are likely covered, based on the terms of the policy.
If you do not currently have personal insurance, or you would like to find a better policy, meet with one of our local insurance agents.