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How to Make Auto Accident Claims You should be prepared when it comes to filing claims for auto accidents. The first thing to do is sketch a detailed diagram of the accident scene. This should include the street layout, the way in which the vehicles were set up prior to and after the accident, and witnesses. Also, keep track of any injuries or pain you suffered from the accident. You can also claim damages for pain and suffering. Serious injuries can result from pedestrian accidents Pedestrian accidents are frequent and can result in serious injuries. However, these injuries can be severeand require costly medical treatment. They can also create stress for the victim. These accidents can also be caused by distracted driving. Distracted drivers often chat or text on their phones while driving, distracting them from the road. Even if they're driving slow, they remain a danger to pedestrians. Pedestrians who get hit by a vehicle often suffer fractured bones. In extreme instances this could result in punctured lungs or even a broken heart. Additionally the pedestrian could suffer burns or road rash, and may be left with permanent scars. In addition, many pedestrian accidents can cause emotional trauma. Pedestrian accidents can often cause severe or fatal injuries, which is why they are so tragic. Riddle & Brantley attorneys are experienced in these types of cases and understand the devastating consequences they result in for victims. No matter if the accident occurred on a sidewalk, parking lot or on a street, it can result in severe injuries, or even death. Fortunately, the law firm can help you obtain compensation for these injuries. You can file a claim against the insurance company of the driver if you were struck by a car. However, remember that the insurance company is a commercial entity and is motivated by the desire to earn money. It will attempt to settle your claim as fast as possible and at the least amount of money feasible. If you don't take care to protect your rights, you could lose your rights to additional compensation and accept lesser than what you're entitled. In order to protect your rights and get the amount you deserve, it's essential that you seek the services of an experienced personal injury attorney. 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 who is injured in a car crash generally does not cover the entire 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. To file an underinsured driver claim, first confirm that the at-fault driver's insurance policy doesn't cover the damages caused by the accident. You need to prove that the accident was caused or caused by a hit and run driver. In some states, uninsured/underinsured motorist insurance is mandatory. These states require UM coverage equal to your liability insurance. In other states, it's not mandatory. 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 look into the incident and make a decision on your claim. Uninsured/underinsured motorist coverage is an important part of auto insurance. It can provide an additional boost to your claim. It can cover the expense of medical bills, as well as damages caused by an uninsured driver. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. The insurance company will make a claim and then conduct an investigation when the at-fault driver does not have the proper insurance. In this process, they'll collect medical documents and other evidence that will help quantify the claims value. Depending on the severity of the injuries, the process could take up to a few weeks up to six months. Collision coverage Collision insurance covers damage caused by auto accidents by other drivers. Collision coverage also covers damage to your vehicle in the event that you strike other objects , such as guard rails or trees. You can opt for the lower collision deductible, which will lower the monthly premium. However, higher deductibles may increase the cost of out-of-pocket expenses. When selecting collision insurance take into consideration the actual value of your car. The amount you can deduct will be affected by the car's actual cash value. Collision insurance is a great benefit for auto accident claims since you won't have to be concerned whether you're at fault. If you are involved in an accident collision coverage will pay for costly repairs or a replacement vehicle. This type of insurance is crucial for novice drivers or teens who don't have any experience driving. It is important to consider your budget when selecting collision coverage. Your situation and age will determine whether you need full coverage or a lower deductible. Full coverage is more expensive than collision. If you only plan to use the insurance once you may want to reduce the coverage. Talk to your agent about the terms of the policy to determine what your deductibles will be. Collision coverage will pay for repairs in the event that you are struck by another vehicle or other object. The maximum payout is determined by the vehicle's actual cash value. This insurance does not have any financial limits. It will not cover damages to pedestrians, animals, fire damage, and injuries to the body. MedPay You could be eligible to make an Med Pay claim if you or a passenger suffer injuries in a car accident. chicago auto accident attorney doesn't require proof of fault or negligence and will cover your medical expenses, regardless of who was responsible for the accident. This insurance coverage does not pay for emotional distress, pain or lost wages. This protection may not be appropriate to every auto accident. Some states only allow you to make a claim for injuries resulting from drunk driving. You should also know that your MedPay policy will not cover for damages from an accident caused by drunk driving. You could have to pay more medical expenses than your insurance will cover. In addition to covering medical expenses, MedPay will also cover funeral expenses. While it can be difficult to prove fault, this coverage can aid you in getting back on your feet after an accident. This coverage will help you avoid the high deductibles, copays, and other costs associated with your health insurance. Additionally, MedPay will cover ambulance costs and emergency medical technicians. MedPay can also cover nursing care and prosthetics. Drivers who drive passengers outside of their immediate families can also be eligible for MedPay. While you're only able to be reimbursed for medical expenses up to the limits set by the policy but this insurance could be beneficial if your job is to transport passengers outside of your 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 fantastic benefit for drivers who have high deductible health plans. It can even pay co-payments to those who don't have insurance. Imagine, for example, that you have more than $100 in medical bills after a car wreck. You'd be required to pay the total amount out of pocket without insurance for medical costs. Non-economic damage In the case of a car accident claim, non-economic damages refer to the emotional and physical pain caused by an accident. These damages are designed to provide the victim with a full recovery. They can cover medical expenses and car repairs. They may also include the loss of wages or time away from work. Pain and suffering may last for a lifetime, and can be difficult to quantify. These expenses can be compensated through a non-economic damage claim. To seek non-economic damages from the other person in an auto crash claim an attorney for personal injury must first establish that the negligent driver caused the injuries that you suffered. This can be particularly challenging if the injuries were not economically calculable. But, it's not impossible. An experienced lawyer can assist you file the claim and negotiate a settlement on your behalf. It is impossible to quantify the non-economic damage so keep a log of your experiences. Write down your intensity of pain, changes in your relationships and any emotional turmoil that you were undergoing as a result the accident. This documentation will be helpful to your attorney in creating an account of your case. In determining non-economic damages the jury has to consider the severity of the injuries as well as the impact they'll have on the injured person. These damages may include medical bills, past and anticipated future medical treatment, lost wages and other property damage. A jury may decide this amount in a variety of cases by multiplying the severity by a multiplier. This multiplier can vary between 1.5 and 5. In some states, the non-economic damages cap is set at between two and three times the amount of economic damages. The amount that can be recovered may depend on the financial resources of the defendant. Some insurance policies will only cover a specific percentage of non-economic damages.