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Dossier Petro Caribe.- Le sénateur Antonio Cheramy(Don Kato) accuse !

Dossier Petro Caribe.- Le sénateur Antonio Cheramy(Don Kato) accuse !

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How Does Insurance Affect a Car Accident Case?

The short answer to this question is that the amount of available car insurance coverage is a critical component of any car accident case. Read on to get an understanding of why this is true, and how things might play out in the real world.

If the person who hit you doesn’t have any car insurance or only has a minimal amount of coverage, then it doesn’t matter how good your case is or how badly you are hurt, you just aren’t going to get much compensation for your injuries unless one of two possible situations exists.

  • First, if you carry uninsured or underinsured motorist coverage, then you can make a claim against your own insurance company for the full amount of your damages, less any money that you receive from the defendant’s insurance company. That is usually the only real alternative if the defendant doesn’t have enough insurance. But, unfortunately, not everyone carries uninsured and/or underinsured motorist coverage, and once you’ve exhausted the limits of any UIM coverage you do have, you’re likely out of options.
  • Second, it is possible that the person who hit you has enough assets to cover your car accident damages, including medical bills and lost income. But from a realistic standpoint, people who don’t have car insurance — or who only have the minimum amount of car insurance — almost never have any extra money sitting around to pay off a personal injury claim. https://www.lawyers.com/legal-info/personal-injury/auto-accidents/how-does-insurance-affect-a-car-accident-case.html


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