The first thing you must know about auto accidents is that all cases involve a system for the automatic payment of your medical bills and a portion of your lost wages- no matter who is at fault. The insurance company for the vehicle you are in will pay your medical bills and lost wages. This is the law. It is commonly known as the No- Fault Law. We deal with this each and everyday in our practice. There are a few exceptions to the general rule. The three most common exemptions are bicyclists, pedestrians, and motorcyclists. If you are hit and injured while biking or walking, the insurance company for the auto that struck you must pay your No- Fault claim. If you are on a motorcycle, there is no No-Fault coverage available. Motorcycle accidents are treated differently, click here to learn more.
The second thing you need to know about auto accidents is that once the N0-Fault claim is in place, you may have a right to bring a lawsuit against the driver who caused your accident and injuries. In that lawsuit, we will have to prove that your injuries meet the legal threshold of “serious injury”.
Handling auto accident cases also means that there are many insurance products and terms that must be fully understood and reviewed so that a client’s benefits that he or she paid for are maximized. We will immediately review your insurance policy and determine your level of No-Fault coverage and whether you purchased any other coverages that would benefit you. Primarily, this would be supplementary underinsured/uninsured motorist coverage (SUM). This coverage protects you if the at fault driver does not have enough coverage to fully compensate you for your injuries.
We are very familiar with all aspects of handling an auto accident lawsuit, and we would be happy to speak with if you have any questions. Our trial verdicts and settlements continue to grow, and we have the resources and staff necessary to handle your case from start to finish.