Archive for the ‘Personal-Injury’ Category

Who Covers the Medical Bills After a Car Accident When You’re at Fault?

When someone crashes into your vehicle and you are injured, it’s clear you won’t be liable for your medical costs. However, many are unsure of who foots the bill when they are the one at fault in an accident. The waters can get even murkier when fault is not clear. Of course, the answer to this can be simple if you choose the right insurance to begin with. Insurance companies offer coverage that will pay your medical bills, regardless of fault.

Liability Insurance for Other Occupants

Just about every state requires motorists to purchase liability to drive legally. This liability covers repairs and medical costs when the motorist is at fault in an accident. The required insurance typically includes bodily injury per person and per accident, property damage and, in some cases, uninsured or underinsured motorist protection. The last category provides coverage for accidents where the motorist is not at fault but the other driver has little or no insurance to cover costs.

Coverage for the Policyholder

Liability insurance doesn’t cover the policyholder. If a driver has only the minimum to drive legally for their policy, they are not covered if the accident is their own fault. This could mean paying for your car repairs and medical bills in full if you’re found to have been the cause of the accident. To cover yourself during an accident, you can choose extra coverage options that will up your premium but add to your peace of mind.

  • Coverage for Medical Payments. This type of coverage is helpful in no-fault states where personal injury protection is required. This includes medical costs for both the driver and the passengers in the vehicle such as hospital stays, doctor’s visits, physical therapy and even funeral expenses.
  • Collision Coverage. On the other side, collision coverage covers the cost of repairs or replacement of a vehicle. This includes when the driver is at fault in the accident. Collision nearly always includes a deductible that is typically $250, $500 or $1,000. Higher deductibles mean lower premiums.

If you were in an accident and were at fault, you need legal representation. Contact us today to ensure your rights are protected.

How Legal Services Can Help to Claim the Right Compensation

How the legal services of a personal injury lawyer can help to claim the right compensation for your injuries?

Thousands of people get injured in the country every day. Some of them are injured on the job while some are injured in accidents. If you suffered injuries due to the actions of some other individual or company, you can claim compensation for the injuries caused to you and the medical expenses incurred.

However, getting the compensation due to you is no cakewalk. You need all the help you can get, and this is where a personal injury lawyer comes into the picture. Here is a look at how a personal injury lawyer can help you get the compensation you deserve for the injuries caused to you.

You get an accurate calculation of due compensation

Medical expenses make up just one part of the compensation due to you in the event of an accident. There are other parts as well, and calculating the compensation due becomes even more complicated if you have a part in causing the accident in the first place. Things get more complicated when the insurance companies get involved, and the whole process can drag on if all the parties involved are not ready to pay the amount due. With so many factors and elements involved, it makes better sense to just hire a personal injury lawyer to calculate the compensation due to you accurately. These lawyers know the process enough to calculate exactly how much you should get, and they are more reliable than online settlement calculators.

You are guided through the legal process

If you think calculating the compensation due is complicated, what about the rest of the settlement process? Calculating the compensation is just the first step. An experienced personal injury lawyer, however, knows exactly what to do and can spare you all the complications. You have to file the right case in the right court before the state of limitations ends. If the right papers are not filed, you have to follow another procedure to correct your mistake. Even if you have all the time in the world, you could easily get stuck in all the red tape.

You stand a better chance of winning

Many cases for injury and damage compensation are settled out of court, which is the quicker route since it skips the entire trial process. Many other cases go to court. No matter what happens with your case, a personal injury lawyer can still help improve your chances of success. For out-of-court settlements, your lawyer can use his or her skills to negotiate the best deal and ensure that you get the amount due to you. In a trial, your lawyer can present your case in the best light possible and get you closer to a judgment in your favor. When you face big parties like insurance companies, you need a capable lawyer by your side to even stand a fighting chance.


If you do hire a personal injury lawyer for your case, remember that he or she may take some part of your total settlement as his or her legal fees. This is a normal practice and actually works to your benefit. Since the lawyer takes a percentage of your compensation, he or she would try hard to get as high an amount in compensation as possible.

Author Bio:

Derek Langley is a freelance writer interested in writing articles related to law. Most often he writes articles for personal injury and accident lawyers. 

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