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April 9, 2014

Common Insurance Questions After a Motor Vehicle Accident

In the event that you or a loved one has been injured in a car accident, truck accident, motorcycle accident and pedestrian accident, determining the insurance coverage available can be extremely complicated. It is imperative that you understand the different types of insurance involved and how to make sure that your injuries and claims are covered in the best way possible.

After your accident, you need to gather all information regarding the insurance policies available:

  • Auto Liability Insurance: This is the insurance of the at-fault driver and it can be used to compensate for your injuries, pain and suffering and lost income and in certain circumstances, your medical bills.
  • Health Insurance: This is the insurance required to pay for your medical care.
  • Your Automobile Insurance: This can cover you for your car repairs, medical bills and also can compensate you if the other driver does not have any insurance or not enough insurance to cover your injuries.

Questions You May Be Asking Yourself About Insurance

What does liability insurance cover?

The defendants’ insurance policy will cover your personal injury claim in the following ways:

  • Your lost wages
  • Pain and suffering
  • All other consequential damages
  • In certain circumstances, it can cover your medical bills that you have incurred as well as future medical bills
  • All future medical bills as a result of the accident
  • All other consequential damages

Whose health insurance will be used and what does it cover?

Contrary to what many people think, your own health insurance is there to help cover you in the event of an accident, not just the at-fault party. Whether you have insurance through a private company or your work, your health insurance can cover ambulance costs, hospital expenses, physical therapy, doctor’s visits and other related items.

Also in certain circumstances, if you have a private disability plan, it can also cover you for a wage loss.

What if the at-fault driver does not have any auto liability insurance, or at least not enough to cover the needed compensation?

If this is the situation in your particular case, it is strongly recommended that you seek out the legal help of a Morris County accident lawyer who can help you make the right decision. In the event the other driver does not have insurance to cover your accident, you may be able to pursue an insured motorist claim against your own insurance company as well as a resident relative who also has insurance of their own. If the other driver does not have enough insurance to cover your injuries and losses you may be also able to pursue an underinsured motorist claim (UIM) against your insurance company as well as any resident relatives. It is critical to fully explore all available insurance policies.

Speak with the New Jersey Accident Lawyers at the Todd J. Leonard Law Firm to learn more detailed information about this and ensure that you receive maximum compensation.

The lawyers at the Todd J. Leonard Law Firm have been helping individuals and families following all types of accidents in New Jersey for over 25 years. Our New Jersey personal injury lawyers are committed to doing their best to providing outstanding personal injury representation and treat our clients like family. We have been privileged to represent thousands of clients. Our Morris County personal injury lawyer, Todd Leonard, has been certified by the Supreme Court of New Jersey as Civil Trial Attorney. In addition, he has both been included in the list of New Jersey’s Super Lawyers® in 2011 & 2013-2014. As a Life Member of both the Million Dollar Advocates Forum® and Multi-Million Dollar Advocates Forum®, Attorney Todd Leonard has obtained many multimillion dollar settlements on behalf of his seriously injured clients.

Todd Leonard has been named to the list of the “Top 100 Trial Lawyers” for Civil Litigation in 2013, according to the National Trial Lawyers Association.

Please call our office today at (973) 920-7900 for a FREE initial consultation. Services offered in Spanish as well.

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