Contact our car accident lawyers about your auto insurance claim and ask them what your case is worth.
How Do I Cover All the Costs after a Car Accident?
According to no-fault laws in most states, insurance companies covering automobile accidents must provide for minimum coverage for loss arising out of the injury of any one person. This coverage usually includes minimum amounts for medical expenses, income loss, replacement services loss, survivor’s economic loss, and survivor’s replacement services.
Getting Money Beyond No-Fault Auto Insurance
In most cases, no-fault does not pay crash victims for pain and suffering. To be fully and adequately compensated for pain and suffering, you have to look to the at-fault driver’s auto insurance to cover this amount. Filing a lawsuit is often the only way to be compensated by the at-fault driver’s insurance.
In addition to the at-fault driver, the following may also be responsible to compensate you:
- If the at-fault driver was a commercial driver of a semi trailer, bus, etc., you may have claims against the driver’s employer (trucking or bus company), the owner of the commercial vehicle, the owner of any freight, and others.
- If it was a construction site collision, you may have a lawsuit against the general contractor, the owner of the property on which the collision took place, the owner of the construction vehicle and others.
- If the at-fault driver was drunk, you may have a dram shop claim against a bar or restaurant.
In all of these cases, it is insurance companies that generally pay you the money you win.
Bodily Injury after a Crash
If you live in a no-fault state, you will get some money from the no-fault policy due to the bodily injury. As discussed above, no-fault is a minimum amount of money. To get more compensation, you will need to sue the at-fault driver (and possibly others).
Serious bodily harm can include any of the following:
- Traumatic Brain Injury;
- Spinal Cord Injury;
- Collapsed Lung Injury;
- Kidney Failure;
- Broken Bones;
- Tibial Plateau Fracture;
What Damages Can You Sue for after an Accident?
When you sue, you can generally ask for money for the following:
- medical expenses
- income loss
- cost of care
- pain and suffering
- emotional distress
- loss of quality of life
If a loved one was killed in a crash, families can recover minimum amounts of the money under no-fault laws. However, to be adequately compensated, families often have to also recover amounts from the insurance policies of the at-fault driver and and other responsible parties. To do this, families can sue under state wrongful death laws.
Pritzker Hageman Law Firm
Pritzker Hageman law firm has a reputation for success in complex cases involving serious injury and wrongful death. Our lawyers have gained a national reputation and have been interviewed by The Associated Press, The New York Times, The Wall Street Journal, Lawyers USA and others. Several have been named Super Lawyers by Law & Politics magazine.
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