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Three Things You May Misunderstand If You Are Injured In A Traffic Accident

2 November 2020 by Jo Rodriquez

If you are injured in a traffic accident, there are likely many questions that are going through your mind. But along with questions, you are likely to have a number of misunderstandings about the law, and some of these misunderstandings may prevent you from seeking a personal injury attorney. The following are a few of them.

You cannot collect money if the driver has no insurance

You may think that there is no chance of collecting money when the other driver has no insurance, and if you don't have uninsured motorist coverage on your policy, you will think you cannot get compensation for your injuries. But even if you have uninsured motorist coverage, before you file a claim on your own policy, you need to speak to an attorney. This is because the driver may have assets that your attorney can go after. Of course, the driver may not have insurance because they were driving someone else's car. In that case, the owner of the car may have a policy that will pay you compensation. Never assume that there is nothing that can be done. Let an experienced personal injury attorney handle the problem.

You can get reimbursement for all your medical bills

This is not true. Although you may be entitled to compensation for medical costs, lost income, as well as pain and suffering, to name only three, this does not mean you can collect on it. The driver's insurance policy will only pay out to a maximum of the limits specified in the policy. If you find yourself in this situation, you will likely receive this information when a claims adjuster offers you the maximum payout. But don't sign anything. Instead, you should speak to an accident attorney. There may be other sources of money to compensate you. Sometimes there is a homeowner's policy to protect against liability that is tied into the car coverage, and of course, the driver may have personal assets.

You will get no compensation because the accident was your fault

Who says the accident was your fault? It may not be true. You just feel bad after the accident. In many jurisdictions, if the accident was even partially your fault, you will get no compensation. Never admit fault for the accident. It may be a case where no one can prove who was at fault. Let an attorney handle the argument for fault on your behalf.

Even when the other driver was uninsured, you may still be able to collect compensation. Likewise, if your compensation exceeds the insurance policy limits, you may be able to collect more because an attorney can find personal assets. And remember to never admit fault, because the laws regarding traffic accents are not always what you may think they are. Let a lawyer sort everything out. For more information about personal injury law, reach out to a local law firm.

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