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How to Make Auto Accident Claims When it comes time to make claims in the event of an auto accident it is essential to be as prepared as you can. The first step is sketch a detailed diagram of the accident scene. This should include the street layout, how the vehicles were arranged before and after the accident, and witnesses. Also keep track of any injuries or pain you suffered during the accident. You may also seek damages for pain and suffering. Injuries can be serious as a result of pedestrian accidents Pedestrian accidents are quite frequent, and can cause a lot of injuries. Unfortunately these injuries can be severeand require costly medical treatment. They can also create stress for the victim. Distracted driving is a major factor that can contribute to these accidents. Drivers who are distracted usually chat or text on their phones while driving, thereby distracting them from the road. Even if they are going slowly, these drivers are still a threat to pedestrians. Pedestrians who are struck by vehicles often suffer fractured bones. In the worst cases, this can cause a punctured lung or even a heart. Additionally the pedestrian could sustain burns or road rash, and could be left with permanent scarring. The majority of pedestrian accidents cause emotional trauma. Pedestrian accidents are especially tragic due to the fact that they usually cause death or catastrophic injuries. The attorneys at Riddle & Brantley are experienced in handling these casesand know firsthand the devastating effects they can have on the victim. No matter if the accident occurred on the sidewalk, parking lot, or street, it could cause devastating injuries, or even death. The law firm can assist you to receive compensation for these injuries. If you were struck by a vehicle you may file a claim with the insurance company that covers the driver. But, keep in mind that the insurance company is a business , and is motivated to make money. It will attempt to pay your claim as quickly as possible and at the lowest amount feasible. If you're not careful, you could end up signing away your rights to additional compensation and accepting lesser than you should. It is important to seek out the advice of an experienced personal injury lawyer to protect your rights, and get the compensation you are entitled to. 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 available to anyone injured in a car accident generally does not cover all the costs 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. It is important to verify that the insurance policy of the driver at fault is not sufficient to cover the damages. If the accident was caused by a hit and run driver, you must provide proof of physical contact and proof of injury. In some states, uninsured/underinsured motorist insurance is mandatory. In these states the minimum amount of UM coverage is similar to your liability coverage. In other states, it's not mandatory. Once you've found an uninsured/underinsured motorist, be sure to report it to your insurance company. Then you should follow up with the adjuster who is assigned to your claim. The adjuster will investigate the incident and make a final decision about 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 the cost of medical bills and damage caused by uninsured motorists. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. The insurance company will file a claim and conduct an investigation when the driver who is at fault does not have adequate insurance. They will also gather medical records and other evidence during this period to determine the amount of the claim. Depending on the severity of the injuries, the process could take anywhere from a few weeks up to six months. Collision coverage Collision coverage covers damage to your vehicle caused by other drivers. It also pays for the damage to your vehicle when you collide with other objects, like guardrails or trees. You can select the lower collision deductible, which will lower the monthly cost. Higher deductibles can lead to greater out-of pocket expenses. When selecting collision insurance it is important to think about the actual cash worth of your vehicle. The deductible amount will be affected by the vehicle's actual cash value. The advantage of collision insurance for claims arising from auto accidents is that you don't have to worry about fault in the incident. It will assist you in paying for expensive repairs or even an alternative vehicle if you're involved in a collision. This type of insurance is crucial for novice drivers or teenagers who might not have any experience driving. When choosing collision insurance, you should take into account your budget. Your situation and age will determine if you require full coverage or a lower deductible. Full coverage is more expensive than collision insurance, so if you're only thinking of using it once you might want to reduce the coverage. You can also inquire with an agent for the conditions and terms of the policy so that you know what your deductibles are. automobile accidents attorneys can assist you in paying for repairs if you're hit by a vehicle or other object. This coverage does not have a monetary limit however, the maximum amount will be determined by the actual cash value of your vehicle. It does not cover damage to pedestrians, animals or fire damage, as well as injuries to the body. MedPay If you or someone else is injured in a car crash you might be able to make an Med Pay auto accident claim. This insurance policy does not require evidence of fault or negligence and can pay for medical expenses, regardless of who is at fault for the incident. The insurance coverage does not pay for emotional distress, pain or lost wages. This coverage may not be applicable to every auto accident. Certain states allow you to only file claims for injuries sustained while driving drunk. Also, you should know that your MedPay insurance does not pay for injuries resulting from an accident caused by the intoxication of another driver. You could have to pay more medical bills than your coverage will allow. MedPay will not only pay for medical expenses , but also covers funeral expenses. While it can be difficult to prove fault, this coverage can assist you in getting back to your feet after an accident. MedPay will allow you to avoid the high deductibles, copays, and other charges that come with your health insurance. Additionally, MedPay will cover ambulance charges and emergency medical technicians. MedPay can also cover prosthetics and nursing care. Drivers who drive passengers outside of their immediate families can also be eligible for MedPay. Although you are not allowed to claim medical expenses over the limits of your policy however, this insurance may be beneficial to drivers who frequently transport passengers that are not part of their immediate family. If you're a ride-sharing driver MedPay can be beneficial since ride-sharing companies need additional rideshare coverage for drivers. MedPay coverage is a great benefit for drivers who have high-deductible health plans. It can even cover co-payments for those who do not have insurance. For instance, imagine that you pay more than $100 in medical expenses after a car wreck. Without the medical pay insurance you'd be required to pay the entire cost out from your own pocket. Non-economic damage In a claim for auto accidents, non-economic damages refer to the physical and emotional trauma caused by an accident. These kinds of damages are intended to make the injured person whole. They cover medical bills and car repairs. They may also include the loss of wages and time away from work. Pain and suffering can last for a lifetime, and it can be difficult to quantify. A non-economic damages claim is a way to compensate an individual for these damages and more. An attorney for personal injury can assist you in proving the other driver caused your injuries. This can be a challenge if the injuries were not economically calculable. However it's not impossible. An experienced lawyer can assert this claim and negotiate for you a settlement. It is impossible to quantify the non-economic damage so make a note of your experiences. Keep an eye on your daily suffering levels as well as any changes in your relationships. Also, note any emotional turmoil you've experienced as a result. The information you record will help your lawyer write a narrative about your case. The jury must take into consideration the severity of the injuries and their effect on the victim when determining the non-economic damages. These damages include medical expenses, past and anticipated future medical treatment, lost wages and other property damage. In many cases, juries may award this amount by multiplying the severity of the injury by a multiplier, which is between 1.5 and five. In certain states, the non-economic damages cap is set at two to three times the amount of economic damages. The defendant's financial assets could also affect the amount that is recoverable. Certain insurance policies only cover a portion of non-economic damages.