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How to Make Auto Accident Claims You should be prepared when it comes to filing auto accident claims. The first thing to do is draw a precise sketch of the accident scene. This should include the street layout, vehicle layout, witnesses, and any witnesses. Also keep track of any injuries or pain you experienced during the accident. You can also claim damages for pain and suffering. Pedestrian accidents can result in serious injuries Pedestrian accidents can be common and could result in serious injuries. These injuries could be serious and require expensive medical treatment. Furthermore they can cause a great deal of stress for the victim. Distracted driving is another significant factor that can lead to these accidents. Drivers who are distracted are usually texting or talking on their phones, which diverts their attention off of the road. Even if they're moving at a snail's pace, these drivers pose a threat to pedestrians. Pedestrians who are struck by vehicles typically suffer fractured bones. In extreme cases, this can result in punctured lungs , or even a broken heart. The pedestrian may also suffer burns or road rash, and may be permanently scarred. Many pedestrian accidents may cause emotional trauma. Pedestrian accidents are particularly tragic because they often cause death or catastrophic injuries. The lawyers at Riddle & Brantley are experienced in handling these kinds of cases and know the devastating effects they can have on the victim. No matter if the accident occurred on a parking lot, sidewalk, or street, it could result in devastating injuries or even fatalities. Fortunately, the law firm can assist you in obtaining compensation for such injuries. You can file a claim against the insurer of the driver in the event that you were hit by a car. Be aware that the insurance company is a business and is motivated to make money. It will do everything possible to settle your claim as fast and with the least amount possible. If you don't act quickly, you might lose your rights to additional compensation and settle for lesser than what you're entitled. It is essential to seek the advice of an experienced personal injury lawyer in order to protect your rights, and receive the money you deserve. Uninsured/underinsured motorist coverage Underinsured/uninsured motorist coverage provides an extra layer of protection to drivers who are in an accident. Personal Injury Protection (PIP) is offered to anyone injured in a car accident generally does not cover the total cost of the accident. Fortunately, there are ways to maximize the amount of money you can receive from your Uninsured/underinsured Motorist claim. Underinsured/underinsured motorist claims cover the damage caused by an at-fault driver without enough insurance to pay for the damages. In order to file an underinsured motorist claim, you must first verify that the at-fault driver's insurance policy doesn't cover the damages caused by the accident. You must prove that the accident was caused or caused by a hit and run driver. In some states, uninsured/underinsured motorist insurance is mandatory. In these states, the minimum amount of UM coverage is the same as your liability coverage. In other states, it's not required. Once you've found an uninsured/underinsured motorist, be sure to report it to your insurance company. Contact the adjuster assigned to your claim. The adjuster will review the incident and make a determination regarding your claim. Uninsured/underinsured motorist coverage is an important part of auto insurance. It can provide an additional boost to your claim. It will cover medical expenses and damages caused by drivers who are not insured. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. The insurance company will submit a claim, and then conduct an investigation when the driver who is at fault does not have sufficient insurance. They will also seek medical records and other evidence during this period to determine the value of the claim. The process can take a couple of weeks to a period of six months, based on the extent of the injuries suffered. Collision coverage Collision coverage protects your vehicle caused by other drivers. Collision coverage also covers damage to your vehicle when you crash into other objects such as guard rails or trees. Although collision coverage is legally required however, you can opt for lower deductibles to lower your monthly insurance premium. A high deductible can result in higher costs for out-of-pocket expenses. You must consider the cash value of your car when deciding on collision coverage. Most of the time, the cash value of a car is lower than its purchase price so the amount that is deductible will vary based on the actual value of the car. Collision insurance is a great benefit for auto accident claims since you won't have to be concerned if you were responsible for the accident. If you are involved in an accident the collision coverage will cover for costly repairs or the replacement of your vehicle. This insurance is especially important for teenagers and new drivers who might not have much experience driving. When choosing collision coverage, you should take into account your budget. If you're looking for a full coverage policy or a lower deductible is contingent on your needs and the age of your car. Full coverage is more costly than collision. If you are only planning to use the policy for a single time, you might consider reducing the coverage. Consult your agent on the terms of the policy to find out what your deductibles are. Collision coverage will pay for repairs if you're hit by an other vehicle or object. This insurance does not have a maximum amount however the maximum payout will be determined by the actual cash value of your vehicle. It is not able to cover damages to animals, pedestrians, fire damage, and injuries to the body. MedPay You may be eligible to make an Med Pay claim if you or a passenger suffer injuries in a car accident. This insurance policy does not require proof of liability or fault and can pay for medical expenses regardless the person who caused the accident. in the incident. However, it is important to be aware that this insurance coverage does not cover emotional distress, pain or lost wages. This insurance may not be applicable to every auto accident. Certain states allow you to claim for injuries resulting from drunk driving. Your MedPay coverage does NOT cover damage resulting from an accident that is caused by intoxication. You could be required to pay more medical bills than your insurance will cover. MedPay will not just cover medical expenses, but also pay funeral expenses. While it's difficult to prove fault, this insurance is a great way to get back on track in the case of an accident. With this type of insurance, you can avoid costly co-pays and deductibles with your health insurance. Additionally, MedPay will cover ambulance fees and emergency medical technicians. It also covers nursing and prosthetics. Drivers who drive passengers outside their immediate family can also be eligible for MedPay. While you aren't able to claim medical expenses over the policy limits however, this insurance may prove beneficial for drivers who frequently transport passengers outside of their immediate family. If auto accident injury attorneys 're a driver for a ridesharing service MedPay is particularly useful since ride-sharing companies require additional rideshare insurance for drivers. MedPay coverage is a fantastic benefit for drivers with high deductible health plans. It can even pay co-payments for people who do not have insurance. Imagine that you've got more than $100 in medical expenses following a car crash. You'd be required to pay the total out of pocket without insurance for medical costs. Economic damages Non-economic damage is the physical and emotional pain caused by an accident in the car. These kinds of damages are designed to make the victim whole. They could include medical bills and car repairs. They may also include the loss of wages as well as time off from work. Pain and suffering can last a lifetime and are difficult to quantify. A non-economic damage claim will compensate the victim for these losses and more. A personal injury attorney will help you prove that the other driver is responsible for your injuries. This is particularly difficult if the injuries were not economically calculable. However, it's not impossible. An experienced attorney can help you file the claim and negotiate a settlement on your behalf. It is impossible to quantify the non-economic damage so make a note of your experiences. Record your daily pain levels, changes in your relationships and any emotional turmoil you've experienced as a result of the accident. This information will be useful for your attorney when creating a narrative about your case. The jury must consider the extent of the injuries and their effect on the victim in determining non-economic damages. These damages can include medical bills as well as future and past medical treatment, lost wages, and any other damage to property. In many cases, a jury may award this amount by multiplying the severity of the injury by a multiplier which varies between 1.5 and five. In certain states there are states that limit non-economic damages at 2 or 3 times economic damages. The financial resources of the defendant could also affect the amount that is recoverable. Certain insurance policies only cover a portion of non-economic damage.