Quick Guide to Personal Injury Auto Coverage
Personal injury refers to any kind of injury to a person’s body. The term also includes psychological pain or suffering such as trauma that is common with all types of accidents. Personal injury lawyers are lawyers who specialize in handling personal injury cases.
You can be injured in an auto accident at any time, anywhere! According to U.S. National Safety Council statistics, approximately 5 million car accidents (of the 10 million accidents that happen yearly) result in some form of injury ranging from minor to more serious injuries, disabilities, and death.
Every state in America has auto insurance laws with most States requiring minimum insurance to protect drivers and their victims in case of accidents. If you are a U.S. motorist, chances are you have auto insurance. However, do you know what your insurance covers in the event of an accident? There are many auto insurance providers and coverages to choose from. It is hard determining what is covered/what isn’t covered in the event of an accident.
Attorney Steve Stambaugh will guide you through the process of a personal injury claim in the event of an accident and will not give up until you obtain the maximum recovery in your case. Attorney Stambaugh will also fully explain the insurance claim process so that you understand your case every step of the way.
Bodily Injury & Property Damage Coverage
This type of auto coverage takes care of bodily injury, and property damage that can happen in the event of an accident and you are found to be at fault. Most motorists have this coverage in their auto insurance as a minimum requirement; however, you should be aware of the liability coverage. A higher coverage will protect you in the event of a serious accident resulting in significant bodily injury and/or property damage. You can choose to protect yourself from other negligent drivers called uninsured and underinsured motorist coverage.
Uninsured & Underinsured Coverage
Insurance Research Council statistics indicate that 1 in 7 motorists in America lack insurance. Many more are underinsured because they cannot afford higher liability coverages. Having uninsured & underinsured coverage is crucial in the event you get into an accident with an uninsured or underinsured driver.
Uninsured and underinsured motorist coverage can pay for property damage and medical bills wage losses and pain and suffering if the motorist at fault doesn’t have insurance at all or adequate coverage to compensate you for your losses. You also have the opportunity to sue the at-fault party and get compensated by your insurance company if the at-fault party doesn’t have insurance and/or isn’t in a position to pay you.
Tort coverage can either be full or limited. This coverage dictates how much you can seek as compensation if you are injured or suffer psychologically in an accident because of a wrongful act or infringement of a right/s resulting in civil legal liability. Limited tort coverage doesn’t cover pain and suffering in the event of a personal injury claim. However, a court can grant coverage if the injuries are deemed serious. Drivers with limited tort waive their rights to get compensation for long-term effects even if they are life-changing. You can save money by choosing limited tort; however, you limit your rights significantly.
Since personal injury cases tend to be complicated and a lot of is at stake, it is recommendable to seek the services of an experienced personal injury lawyer in the event of an accident.
A good personal injury lawyer in your area, i.e., York PA can also help you choose the right auto coverage for you.