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Were you hurt in a car accident and are worried about how things are going to turn out financially? Here are some answers to commonly asked car accident insurance questions to help you get back on your feet following a serious injury.
Car Accident Insurance Questions | Why is PIP Insurance Important?
PIP insurance is short for personal injury protection. Not all people carry PIP insurance, but you need to check your insurance policy to see if there are certain provisions that are afforded to you (PIP is one of them) so that if you do go get medical care after a crash, there is that amount of insurance that will pay to cover those medical expenses that you incurred as a result of the crash. These expenses typically cover up to $2,500 and sometimes even as much as $5,000.
Car Accident Insurance Questions | Should I Be Talking to Insurance Companies?
I had a client come in and say she’d already been talking to the at-fault driver’s insurance company and she asked whether that was a smart thing to do. The answer is, it’s not. The information you provide insurance companies is not going to be designed to protect your interest. Especially in the future if they deny the claim or they value your claim very little so that you then have to go file a lawsuit. They’re going to try and use all the information you provided them against you. It’s important that you understand that, and that you get somebody who’s going to represent you against the insurance company and make sure that the information they get is in your best interest because that’s what’s important. The insurance companies and the defendants are not there to help or protect you. That’s why you need an attorney to help provide them that information, for your best interest.
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Car Accident Insurance Questions | What If the At-Fault Driver is Uninsured?
I had a client come in the other day, and she was very concerned because at the crash scene, the other defendant driver who caused the crash, didn’t have insurance. She was really scared that she wasn’t going to be compensated for the injuries she sustained, both to her car and to her body because the accident involved an uninsured at-fault driver. Investigation is an essential element for each and every case. We have to dig a little bit deeper and try to see if that person does have insurance.
Additionally, people sometimes carry full coverage, which means that they have what is called uninsured and underinsured insurance on their car. In the case of the aforementioned client, where the defendant, in fact, did not have insurance, the client themselves had insurance to cover those circumstance where they crash with an uninsured at-fault driver. Again, it’s important that we look at every case to try to find the insurance policy that will provide that coverage for the injuries that a client sustained.
If you have suffered a serious injury and you’re not sure if insurance has your back, please give us a call. Our knowledgeable Houston car accident attorney Hector Longoria has the experience needed to help you. Call us today for a free consultation!
