Being in a car accident comes with all kinds of problems even if you or anyone else hasn’t been injured. And, injuries and property damage often lead to lawsuits as insurance companies try to recover money for claims.
Any kind of lawsuit can be intimidating, but you should know that one of the advantages of having car insurance is that you will have some legal protection as part of your coverage should your insurance company be sued.
There are a few things you should know if you are involved in a car accident lawsuit.
No Fault Auto Insurance States
According to the Insurance Information Institute, there are 12 states that have no-fault laws. These laws limit the right to sue and protect drivers by allowing recovery of damages regardless of fault. In addition, these laws restrict when a lawsuit can be brought, usually to only the most serious cases.
You Will Have a Lawyer
The first think to remember is that most car insurance companies are already geared up to represent you in a car insurance lawsuit. This means they will hire and pay for a lawyer, and they will often cover certain approved expenses related to the case.
Work with Your Lawyer
The insurance company’s lawyers are there to help you through the process of a lawsuit after an auto accident. It’s important that you work with your appointed lawyer. You should be prepared to work with them to resolve the case and not try to do it on your own. However, these appointed lawyers actually work for the insurance company, not you personally. So, if you are at all unhappy with your legal situation during a claim, you can also hire your own car accident attorney.
Check Your Policy
If you want to be sure about the type of legal protection you have, you can review your policy documents. Generally, legal coverage is automatically included but in some cases, you may be able to buy supplemental coverage for extra protection.
You should also check your policy to understand your liability limits. This is the maximum amount of money your car insurance company will pay if you are found liable for the accident and the damages it caused. In addition, the court may find you are liable for damages above your policy limits. So, make sure you know your limits and are comfortable with the amount of coverage you have.
InsuranceWins is here to help you find the best price for the type of policy you want. Higher liability limits mean higher premiums. If you prefer higher limits, InsuranceWins can help you find the best price for this higher level of protection.
Just fill out the InsuranceWins easy form and we’ll match you with the perfect solution for your car insurance needs.
