Schools are beginning to open back up for in-person learning this month, so it’s a great time to review the basics of road safety for our kids (and ourselves), especially for those biking or walking to school...
Medical Payments Coverage is an optional type of coverage that you can add to your automobile insurance policy. It can be used to help you pay for medical expenses or funeral expenses for you or any passengers in your vehicle, regardless of whether you were at fault for the accident.
Most personal injury attorneys offer a free consultation to discuss the circumstances of your accident, your injuries, and what steps should be taken next. Whether meeting in person or over the phone, it is a good idea to prepare a list of questions that you hope to have answered as you navigate the next few months of dealing with the aftermath of a car accident.
Retaining an attorney during the claims process allows you to focus on your health and proceed through recovery so that you can get back to normal life, work and fun as much as possible. Your attorney will handle all of the phone calls and paperwork so you don’t have to worry about keeping track of everything or forgetting to include something.
The vast majority of personal injury claims are settled outside of court. This is because both the insurance company and the injured person have incentive to avoid a lawsuit. However, in some situations, it makes sense to proceed to a lawsuit instead of settling. Be sure to consult with an attorney who has litigation experience before deciding if filing suit is appropriate for your claim.
There are state imposed minimum requirements for insurance coverage needed to operate a vehicle, but it is best to increase those policy limits to best protect yourself against personal liability for damage you may cause to others. Additionally, you should strongly consider adding optional UM and UIM coverage to increase your ability to recover the maximum amount when you become injured in an accident.