Insurance and Compensation

Insurance and Compensation

When you file an automobile claim and lawsuit, the primary concern is about how much you will be compensated. Receiving compensation for a car accident means more than just enough money to pay for repairing or replacing a vehicle. It also requires you to consider more than the expenses for immediate care for injuries received due to the car accident. To know how much you should receive in a case, you must understand all of the factors that go into the calculations.

Medical Care

You are entitled to payment for the cost of medical treatment after a car accident regardless of how serious or minor your injuries were. It also doesn’t matter if you have health insurance to pay for the costs or if you were uninsured. The responsibility party’s insurance policy should pay for these expenses on your behalf.

In addition, you would be entitled to compensation for medical bills whether you were the driver or passenger. If your minor child were injured, you would file a claim on their behalf. In many cases, car insurance policies limit the amount of responsibility per accident regardless of how many people were involved. For instance, a policy may cover $50,000 per person or $100,000 per accident. This means that if four people were injured in the same accident, they would receive a maximum of $25,000 per person.

Often, the amount of insurance a person carries isn’t enough to pay for all of the medical expenses. This is when you may need an attorney to represent you to receive compensation from the responsible party.

Lost Wages

If an injury is serious enough that you miss work, you may be entitled to the wages you would have earned during that period. For long-term or permanent injuries, the lawsuit would also include future wages. For example, if you became paralyzed due to a car accident that wasn’t your fault and your job required you to be able to walk, you might be entitled to compensation for lost wages for the duration of your career. You might receive partial compensation if it were concluded that you could qualify for a lower-paying job.

If you’ve been involved in car accident, and the other party’s insurance provider has made payment for only part of your expenses, you may be entitled to further compensation. It’s important to talk to an experienced attorney with a solid record involving car accidents. Contact us today to find out how we can help you receive what you are due.

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