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It 'a fact – the collisions are the leading cause of death in the United States for 4-35 years. There are nearly 20 million car accidents a year, so if you have not been involved in a collision yet, the odds are certainly in the amount of stacked against you.

It should be noted, I am a practicing personal injury attorney in Seattle, Washington, for over 17 years. I have an online tool that helps people organize and regulate their request, and a violation invented creditComputers for the Better Business Bureau Video Series. I wrote and co-produced a DVD of the national program for the Better Business Bureau (BBB) and the American Automobile Association (AAA).

Many people do not know their rights when it comes to road accidents. Worse, many insurance companies pay for their reputation built as little as possible to find people who were injured. To be sure, not all insurers are the same. But not the hands, Insurance Company of prices forPay adjustment to the claimant injured more money.

With these 6 items will show you how the compensation you deserve. We will work with what you should know before starting the incident (eg the coverage of your insurance), and later with the article is what you need during and after a collision know that much.

How safe is it?

It 'important to know that the insurance covers now, before she was in a collision. Most peopleeven read their own car insurance policies before being involved in an accident. Until then, may be too late. Get your own insurance now, and go, as I explained the cover most frequently selected options.

A. Responsibility

Liability, the basic coverage required by many states, provides protection against property or injury caused the damage.

The coverage is usually not only for yourself but also for family members who live in your household. PeopleDriving the car with your permission, may also be covered.

In general, you're protected even when you use a vehicle that does not (for example, if you rent with us), the car of a friend.

This part is very important. Your insurance policy has a limit on how your dollar "policy also well known." For example, the State of Washington, for the minimum liability of $ 25,000, but depending on your heritage, you might want to consider purchasing additional protection. area of political work like this – if, for example,Its limits of $ 25,000 and $ 75,000 worth of damage, the company will pay the first damage, $ 25,000, and you are personally liable for the additional $ 50,000. Therefore, it is important to limits of insurance, it is convenient.

These are general guidelines. Make sure you read your policy for any exclusions or situations that are not covered by cash.

B. uninsured motorists

What happens when one participates in a carCollision with a driver who is to blame, but has no car insurance? Under these conditions, please refer to the driver or insured UM, coverage.

Closely associated with the context of unified messaging is another form of reporting, UIM or underinsured motorist. This type of coverage applies in situations where you are involved in a collision with under-insured driver. You can still have the assurance of driver error and then you can make a claim against your UIMCover. For example, if the limits of the policy of the driver of another 25,000 $ and the damages are $ 100,000 would pay the UIM coverage of your policy, the additional cost of $ 75,000 for the limits of the UIM policy.

UM and UIM rule for claims for personal injuries.

While many states require insurers to offer UIM coverage, you can not be compelled to buy.

C. Collision

Collision coverage pays for damage to the vehicle, if you are involved in aCollision with another vehicle or object.

Collision is not required. You can choose to buy coverage based on the value of your vehicle. The transition from the collision of your policy will include a donation receipt. The part that you are responsible for the loss.

D. Comprehensive / Non-Collision

Damage coverage for your vehicle that are not related crash, like fire, wind, hail, vandalism and theft. Typically, aDeductible applies to this regime.

E. Towing

Another point to look in your policy in case of accident cover for towing. Immediately after the accident, the vehicle can not travel – or might be injured. If you bought the coverage and towing the vehicle must be towed, your insurance company pays, usually to a maximum of $ 50 – $ 75

F. Rentals

If rental reimbursement coverage, your insurance company to offer the payment of a carwhile the vehicle is repaired. You should expect to rent a vehicle, much like you. Normally there is a daily limit and a maximum total cost of the lease. For example, $ 30 per day and $ 900 per incident.

G. Personal Injury Protection (PIP)

A very important part of your insurance company deals with medical care. After an accident, it is possible an immediate need for medical payments. You need to know what you understood range – that is, before a collision.

1. If youThey PIP

Your insurance company is required to provide personal services to prevent injury or to provide "PIP" and use the refusal in writing, if you decide to buy, too. "PIP" means the payment of benefits for you, your family or your passengers medical expenses, lost wages and retirement home. PIP coverage may also provide protection when driving someone else or even if you are injured as a pedestrian.

To apply for the PIP medical treatment must be linked toLesions that are caused by the collision and the proper treatment, necessary and dispensed by a licensed physician.

Do not hesitate to use the PIP coverage, if you need to treat them. However, if you receive compensation for the injuries to the person who caused the collision, you must pay with your wireless carrier spending PIP.

In many states it is healed to "choose" to. This means that, if they can not be cured (such as your recovery, you collectborders) can not reimburse the insurance policy from your insurance agent or insurance for medical expenses they have done in your name.

2. If You Do not Have PIP:

If you do not have PIP coverage, look to pay medical expenses from his insurance. The same principle applies for the refund, if you are able to be compensated by the guilty. Many states have "cured" were usually called.

If you do notHealth insurance may be possible for a vendor to be a privilege "to be found. This means that the provider does not pay for services until they are able to be compensated for your injuries. I remember, they must pay the supplier, even if you never receive compensation.

Although it is possible for the airlines of the other party has to pay for treatment, would be unusual and should only be done when it is absolutely clear from their insured is solely responsible for theCollision.

If the institution of the 'other party does not agree to pay for treatment, they may require that you make a recorded statement describing the incident and your injuries can be guaranteed.

This is extremely important: you must be a statement without first consulting a lawyer. You are welcome to e-mail or call me – there are costs.

H. Umbrella Policies

A comprehensive policy is sometimes referred to as an "excess" or "catastrophic policy. This isadditional protection against liability for your regular insurance.

For example, if you have any automobile insurance liability limits of $ 100,000, you will be able to create a policy framework that will lead you to take out a $ 1 million liability insurance to buy. To purchase a comprehensive policy, most insurance companies require a minimum of U.S. $ 100,000 in underlying limits – and other necessities.

A comprehensive policy is applicable only in case of collision between vehicles, but also otherIf you are responsible. Umbrella policies generally cover for your primary insurance is exhausted. Remember to check the policy framework for exclusions.

If you are in a serious accident, it is often necessary to sue the driver and the other to make the discovery (written questions answered under oath, on the other side) to see if they have a comprehensive policy. Most insurance companies do not voluntarily disclose the limitations to their policyholders, ora comprehensive policy. I had a number of cases in which we found out later (and get) the general policy for our customers.

I. policy limit

Sometimes you can have a much higher level of protection on your auto insurance for a relatively small increase in the cost of the premium. We recommend more if you have the means to protect your borders – here the reasons are as follows:

If you cause an accident, you never know what the jury in May, the injured party. With a little 'liabilityOne could easily give a jury a price that exceeds its limits – leaving your property vulnerable to the library. I have personally had experience with collecting money from people about their insurance limits. This is not a pleasant experience for the person who must pay out of pocket – especially since they do not realize that they have prescribed the minimum insurance limits purchased legally.

The other reason, you can increase the limits is to improve the regulationattractive to the victim. If you have someone seriously injured and your limits are U.S. $ 300,000, the injured party (and their attorneys) are probably willing to spend the full amount to settle the matter. Very important to know a secret for you: your insurance company can not pay the victim $ 300,000 if the victim agrees, the case is closed and has informed us out! Therefore, higher ceilings can have a sufficient incentive to get out of a potentially largeSentence – also about the limits of your policy.

Are on the other hand, if you were seriously injured, you want to know what are the limits of party politics. If the limits are low enough, you may be able to a "limited the application of policies" to make their insurance. If the limits of the policy at your disposal and you accept, you earn "money from the insurance company and must release the other driver. Again, please contact me before or close to the policeApplication.

Talking with a qualified lawyer for free: If you apply to get into an accident, you are a qualified lawyer. And 'almost always free. There are many reasons why you should do (see my article titled Top 10 Reasons for a free phone call to a lawyer to do). The key is to ensure that the lawyer is qualified.

If you wish, you can call me or send me an e-mail and I would find a solicitor in yourDomain. The best way for me is to add value to your application using the 10 questions in the conditions of entry to request calculator below to get free. This gives me so your e-mail address and specific information on the case (amount of physical damage, medical expenses, lost wages, etc.) I can scroll through the list Forensic Association, desserts and other means to find the best lawyers in any region of the United States. I communicate directly with the lawyer to clarify the situation and, ifHe is ready to meet you, I will contact the lawyer so that you can make a schedule or to speak with you.