Property Damage: Bodily Injury

There is also a type of coverage referred to ask medical payments coverage. If an accident occurs, this coverage will help repay the driver or passengers for medical expenses caused by the accident. This is generally a quick process that helps get your medical payments taken care of in a timely fashion (Heath 2.) One final type is the uninsured motorist coverage. This provides the customer with protection from accidents with someone who has not purchased car insurance. This type would also cover hit and run accident that may occur. "Also, uninsured motorist insurance coverage comes into play when an at-fault driver doesn't have enough liability coverage to pay for the damages from the accident." (Abramowitz 2.)

Auto accidents are all too common on the roads in Florida, and throughout the U.S. According to the Florida Department of Highway Safety and Motor Vehicles, there were more than 344,000 motor vehicle collisions in 2014 alone. Often, these collisions cause serious injuries or death, in addition to vehicle damage. After car crashes, those involved frequently rely on insurance to cover their recovery costs, including their medical expenses. Many motorists, however, have minimal coverage, or drive without insurance.

The minimal liability coverage required by law is only $15,000 per person, and only twice that in total! Emergency medical treatments alone could exceed these numbers. Once their policy has been exhausted, you are responsible for the remaining expenses associated with the collision.

The benefit to having this coverage is that if you are hit by an uninsured or underinsured driver, or are the victim of a hit and run, you still have coverage available to cover the costs of personal injuries. Of course your insurance company will want to conduct an investigation of the accident before paying a claim, which is why you should partner with a skilled personal injury attorney to protect your interests. To assist with the investigation, it is crucial that you act to preserve the evidence. You can do this by taking down what insurance information the other driver does have, taking photos, and getting the names and contact information of all witnesses. Taking these steps will help prove your case, and may speed up the time it takes to receive compensation.

The are minimum insurance requirements for driving a car. For many car owners, all that is needed is a minimum coverage policy. In most cases, this means you will have liability and property damage. In short, you will have coverage for the damage you do to property and personal injury up to a maximum specified by the law. However, before you purchase this type of policy, there are three things you may want to add to a minimum coverage policy.

Liability coverage is the minimal amount of coverage that you are expected to have in most states. If you get into an accident, liability coverage will cover any vehicle or property damage that you cause to others. It will not cover any damage to your own vehicle or to yourself.

When people cause damages to another party due to intentional, negligent, or reckless behaviors the injured parties may sue. This includes if there is a sexually transmitted disease (STD) and someone knows they have this and passes it on to an unknowing partner.

While the insurance of the at-fault driver is first in line for financial responsibility of your medical bills, your personal injury protection plan will cover your medical expenses, even if you were at fault! The monies can also be used to pay for other occupants of your vehicle at the time of the collision.

If you own or drive a car in the state of California, the law mandates that you to maintain a financial responsibility case of an accidents. There are four ways you can do this; first you can purchase motor vehicle insurance policy, make a deposit of $35,000 to the Department of Motor Vehicle (DMV), take $35,000 worth of surerity bond from a corporation licensed to operate in California. The last strategy is participating in self insurance approved by the DMV. The state of California DMV can issue a certificate of self insurance to applications have a fleet of over 25 vehicles.

The plaintiff suffered physical injuries which include several stings, anaphylactic shock, a dislocated shoulder, and a torn rotator cuff. These injuries are sufficient for a negligence claim.

If you were injured because of someone else’s negligence, chances are that you are going to file a personal injury lawsuit against them. This will help pay for all of your medical bills, lost wages, as well as pain and suffering. The responsible party will be trying to find a way to get out of paying up for the damages, and may resort to some new methods to do so. One of which is going through your social media accounts to prove that your injuries are not serious. Here are some tips for how you should use social media when injured.

Make sure you get pictures showing the placement of the vehicles involved, the damage each vehicle has sustained, and any other important signs of a collision like tire marks in the road or a damaged guard rail. These photos should accompany your accident report and insurance claim. Be sure to exchange contact information and insurance information with the other driver. Do not ask for or give out a Social Security Number during this step.

If you live in the U.S., there's a 48 in 50 chance that your state requires you to have car insurance (New Hampshire and Wisconsin are the lone hold outs, for those wondering). Of course, knowing that you need car insurance is only the first step. Navigating providers, comparing cheap car insurance quotes, and choosing specific coverage comes next.

Up until this time, you have been required by your lender to have full coverage for your car as it is collateral for the loan. But once you own the car free and clear, you can decide on the insurance coverage. You may want to keep full coverage, but you may want to drop the collision portion. This is the coverage that pays for the damage to your car when you are at fault. If your car has depreciated greatly over the course of the car loan, it is worth considering, especially if you are a good driver. When you look at how much you are paying a year for collision and compare that to the market value of the car, it may not be worth the extra

Accident frequency and severity affects make up the portion of customers’ premium that covers losses. Until recently, when determining liability premiums, vehicle make and model were not consideration. In the year 2000, there are over two auto insurers planned to raise liability rates on large size vehicles like SUVs, pickups and vans. This is based on vehicle safety and claims experience. A larger vehicle can cause injury and property damage; especially in the weight of car a ton or more could change the crash.