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How to Make Auto Accident Claims You should be prepared when you file claims for auto accidents. Drawing a detailed sketch of what took place at the accident scene is the first step. This should include street layout, vehicle layout witnesses, as well as witnesses. Also, note any injuries or pain you suffered during the incident. You may also seek damages for pain and suffering. Injuries can be serious as a result of pedestrian accidents Pedestrian accidents are common and could result in serious injuries. These injuries can be very serious and require expensive medical treatment. They can also create a lot of stress for the victim. They can also result from distracted driving. Drivers who are distracted tend to chat or text on their phones while driving, distracting them from the road. Drivers who are distracted pose a danger for pedestrians even if they drive slowly. Pedestrians who get hit by a vehicle are often left with fractured bones. In extreme instances this can lead to punctured lungs , or even a broken heart. Additionally, the pedestrian may sustain burns or road rash and may be left with permanent scarring. Furthermore, many pedestrian crashes can also result in emotional trauma. Pedestrian accidents can often cause serious injuries or death which is the reason they are so tragic. The lawyers at Riddle & Brantley are experienced in dealing with these kinds of cases and know firsthand the devastating effects that they can bring on the victim. If the accident occurred on the sidewalk, in a parking lot or on a street, it can result in severe injuries or even fatalities. Fortunately the law firm can help you obtain compensation for injuries resulting from these accidents. You can file a claim against the insurer of the driver in the event that you were struck by a car. Be aware that the insurance company is a business and is motivated by the desire to earn money. They will do everything to settle your claim quickly and with the least amount possible. If you don't act quickly to protect your rights, you could lose your rights to additional compensation and agree to less than you're entitled to. To ensure that you are protected by your rights and obtain the amount you deserve, it is essential that you seek the assistance of a seasoned personal injury lawyer. Uninsured/underinsured motorist coverage Underinsured/uninsured motorist coverage provides an extra layer of protection to drivers who are in an accident. Although Recommended Reading who suffers injuries in an auto accident is eligible for Personal Injury Protection (PIP) insurance but this coverage is typically not enough to cover all cost 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. In order to file an underinsured motorist claim, you must first confirm that the at-fault driver's insurance policy doesn't cover the damages caused by the accident. 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. In these states, the minimum amount of UM coverage is similar to your liability insurance. It's not required in other states. Once you've found an uninsured/underinsured motorist, be sure to report it to your insurance company. Then contact the adjuster assigned to your case. The adjuster will investigate the accident and then make a decision on your claim. Uninsured/underinsured motorist coverage is an important part of auto insurance. This coverage can provide an extra boost to your claim. It will cover medical expenses and damage caused by drivers who are not insured. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. The insurance company will file a claim and investigate when the driver who is at fault does not have adequate insurance. During this time, they'll collect medical records and other evidence to help determine the value of the claim. The process can take a couple of weeks to a period of six months, based on the extent of the injuries sustained. Collision coverage Collision insurance pays for damages in auto accidents caused by other drivers. It also covers damage to your vehicle if you crash into other objects like guardrails or trees. You can select an lower collision deductible to lower the monthly cost. A high deductible can result in higher out-of-pocket expenses. You must consider the cash value of your vehicle when deciding on collision insurance. The amount you can deduct will be influenced by the car's actual cash value. Collision coverage is a benefit in the event of an auto accident because you don't have to worry whether you're responsible for the accident. It will allow you to pay for costly repairs or a replacement vehicle if you get into a collision. This kind of insurance is particularly important for new drivers or teenagers who do not have any experience driving. You must consider your budget when choosing collision insurance. The decision to purchase a full coverage policy or a deductible that is lower depends on your circumstances and the age of your car. Full coverage is more expensive than collision insurance, therefore if you're only planning to use it for a single time, consider cutting down the coverage. Talk to your agent about the conditions of the policy to determine the deductibles you'll have to pay. Collision coverage pays for repairs if you are struck by an other vehicle or object. This coverage does not have a maximum monetary amount, but the maximum payout will be determined by the actual cash value of your car. It will not cover damage to animals or pedestrians fire damage, bodily injury costs. MedPay You could be eligible to file an Med Pay claim if you or a guest are injured in a car accident. This insurance policy does not require evidence of fault or negligence and will pay for your medical expenses regardless of who is at fault for the incident. However, you should be aware that this insurance coverage does not cover emotional trauma, pain, or lost wages. It is important to know that this coverage isn't always appropriate for all auto accidents. Certain states allow you to file a claim for injuries caused by drunk driving. Be aware that your MedPay insurance does not pay for damages from an accident caused by the intoxication of another driver. Your medical bills may exceed the coverage's limits. In addition to covering medical expenses, MedPay will also cover funeral expenses. While it's hard to prove fault, this insurance can be a great option to get back on your feet in the case of an accident. With this type of coverage you will be able to avoid the high deductibles and co-pays associated with your health insurance. In addition, MedPay will cover ambulance fees and emergency medical personnel. Additionally, it pays for prosthetics and nursing care. Drivers who drive passengers outside of their immediate family may also be eligible for MedPay. While you're only able to claim the medical expenses in the amount that is allowed by the policy but this insurance could be beneficial if you regularly transport passengers outside of your family. MedPay is particularly beneficial for drivers who use ride-sharing services, since ride-sharing companies require that riders be covered by additional insurance. MedPay coverage is a fantastic benefit for those who have high-deductible health plans. It can even pay co-payments to those who don't have insurance. For instance, imagine that you pay more than $100 in medical bills in the aftermath of a car accident. Without the coverage for medical expenses you'd need to pay the entire cost out of your own pocket. Non-economic damages Non-economic injuries are those that result from the emotional and physical pain that is caused by an accident in the car. These damages are meant to compensate the victim. They can cover medical expenses and car repairs. They could also be a result of lost wages or time away from work. Pain and suffering may last for a lifetime and it can be difficult to quantify. A non-economic damages claim compensates a person for these losses and more. A personal injury attorney can assist you in proving that the other driver caused your injuries. This is particularly difficult in cases where the injuries aren't economically calculable. However it's not impossible. An experienced attorney can make this claim and negotiate for you a settlement. Non-economic damages aren't easily quantified Therefore, it is recommended to keep a diary of your experiences. Write down your daily level of pain, the changes in your relationships, and any emotional turmoil that you felt as a result of the accident. This document will be helpful to your attorney when drafting a narrative about your case. The jury must consider the extent of the injury and its impact on the victim when determining non-economic damages. These damages include medical expenses for past and anticipated future medical treatment, lost wages and any other damage to property. A jury may decide this amount in a variety of cases by multiplying the severity with a multiplier. The multiplier can range between 1.5 to 5. In certain states, the non-economic damage cap is set at two to three times the amount of economic damages. The amount that can be recovered could depend on the financial resources of the defendant. Certain insurance policies only cover some of the non-economic damages.