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How to Make Auto Accident Claims When it comes to making claims for auto accidents it is important to be as prepared as possible. The first thing you need to do is draw a precise sketch of the accident scene. This should include the street arrangement, the layout of the vehicle witnesses, and witnesses. Also keep track of any injuries or pain you experienced during the incident. 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. Furthermore, they can result in stress for the victim. Distracted driving is another key cause of these accidents. Drivers who are distracted often text or use their phones while driving, which can distract them from the road. Even if they are going slow, these drivers are still a threat to pedestrians. Pedestrians who are hit by a vehicle often sustain fractured bones within their bodies. In extreme instances this can lead to punctured lungs , or even a broken heart. Additionally, the pedestrian may sustain burns or road rash, and may be left with permanent scarring. The majority of pedestrian accidents cause emotional trauma. Pedestrian accidents can lead to serious injuries or death and that is why they can be so tragic. The attorneys at Riddle & Brantley are experienced in handling these kinds of cases, and know firsthand the devastating effects that they can cause the victim. It does not matter if the incident was on a sidewalk or in a parking space. It can result in grave injuries or even death. The law firm will help you get compensation for injuries such as these. If you've been hit by a vehicle or another vehicle, you may file a claim with the driver's insurance company. However, remember that the insurance company is a business , and is motivated to make money. It will try to resolve your claim as swiftly as possible and for the least amount that is possible. If you fail to take care, you might lose your rights to additional compensation, and you may be forced to accept less than you're entitled to. To protect your rights and secure the compensation you are due, it is important to seek the assistance of a seasoned personal injury lawyer. 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 hurt in a car accident but does not typically 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. To file an underinsured driver claim, first confirm that the insurance of the driver at fault policy does not cover the damage caused by the accident. You must prove that the incident was caused or caused by a hit and run driver. In some states, uninsured/underinsured motorist insurance is mandatory. In these states, the minimum amount of UM coverage is similar 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 investigate the incident and make a final decision regarding your claim. Uninsured/underinsured motorist coverage is an important part of auto insurance. This coverage can provide an additional boost to your claim. It can pay for medical expenses as well as damages caused by drivers who aren't insured. Uninsured/underinsured automobile claims are often relatively simple to pursue, but they can be complicated. The insurance company will initiate a claim and conduct an investigation if the at-fault driver doesn't have sufficient insurance. During this time they'll seek medical records and other evidence to determine the value of the claim. The process can take a few weeks to six months, based on the severity of the injuries suffered. Collision coverage Collision coverage pays for damage in auto accidents caused by other drivers. It also pays for damage to your car if you strike other objects such as guard rails and trees. While collision coverage is required by law it is possible to choose an lower deductible to reduce your monthly insurance premium. However, high deductibles can increase the expense of your out-of-pocket. You must consider the cash value of your car when choosing collision coverage. Often, the actual value of a vehicle's cash is less than its purchase cost, so the deductible amount will be different. Collision coverage can be a boon for auto accident claims since you don't have to worry whether you're at fault. It will assist you in paying for expensive repairs or even an alternative vehicle if you're involved in a crash. This kind of insurance is important for young drivers or teens who don't have any experience driving. When choosing collision coverage, you must consider your budget. miami auto accident attorney to purchase a full coverage policy or a lower deductible depends on the situation you're in and the age of your vehicle. Full coverage is more expensive than collision insurance, so if you're only intending to use it once then you should consider cutting down on the coverage. You can also ask an agent about the conditions and terms of the policy to know the deductibles for your policy. Collision insurance will assist you in paying for repairs after you've been hit by a vehicle or other objects. This insurance does not have a maximum amount however the maximum payout will be determined by the actual cash value of your car. It may not include damages to pedestrians, animals and fire damage as well as injuries to the body. MedPay If you or a person in your party is injured in a car crash you could be eligible to make a Med Pay auto accident claim. This insurance plan does not require proof of liability or fault and will pay for medical expenses regardless of who is at fault in the incident. However, be aware that this insurance coverage will not cover your emotional distress, pain or lost earnings. You should be aware that this coverage is not always appropriate for all auto accidents. Some states allow you to only file claims for injuries sustained while driving drunk. Your MedPay insurance does not cover damages resulting from an accident that was caused by intoxication. You could have to pay more for your medical bills than your coverage allows. MedPay will not only pay for medical expenses but also pay funeral expenses. While it's hard to prove fault, this coverage is a great way to get back on your feet in the case of an accident. MedPay will allow you to avoid the high deductibles, co-pays, and other expenses that are associated with your health insurance. MedPay also covers ambulance fees and emergency medical technicians. Additionally, it pays for prosthetics and nursing care. Drivers who transport passengers outside of their immediate families can also be eligible for MedPay. While you're only able to get medical expenses covered up to the limits set by the policy however, this insurance may be beneficial if your job is to transport passengers outside of your family. MedPay is particularly useful for ride-sharing drivers, as ride-sharing providers require riders to have additional coverage. Health plans with high-deductibles will appreciate MedPay coverage. It can even pay co-payments to those who don't have insurance. Imagine, for example, that you accrue more than $100 in medical bills in the aftermath of a car accident. Without the medical pay insurance you'd need to pay the entire cost out of your own pocket. Economic damages Non-economic damage is the physical and emotional pain that is caused by an auto accident. These damages are meant to compensate the victim. They can include medical bills as well as repairs to cars. They could also include lost wages or time away from work. Pain and suffering may last a lifetime, and can be difficult to quantify. These expenses can be compensated by a claim for non-economic damages. A personal injury lawyer can assist you in proving that the other driver was the cause of your injuries. This can be particularly difficult if the injuries are not economically quantifiable. It's possible but not impossible. An experienced lawyer can assist you file the claim and negotiate a settlement for you. Non-economic damages aren't easily quantified Therefore, it is recommended to keep a journal of your experiences. Note down your daily intensity of pain, changes in your relationships and any emotional turmoil you've were undergoing as a result the accident. The information you record will assist your attorney in creating a narrative about your case. When determining damages that are not economic, the jury has to consider the severity of the injuries and the impact they'll have on an injured person. These damages can include medical bills for past and anticipated future medical treatment, lost wages, and any other damage to property. In many cases, a jury can award this amount by multiplying the severity of the injury by a multiplier, which can range between 1.5 and five. In certain states in some states, non-economic damages are capped at three or two times economic damages. The financial resources of the defendant could affect the amount that is recoverable. Certain insurance policies only cover the cost of non-economic damages.