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Step-by-step instructions on how to protect yourself if you are in a car accident. Even if personal injury protection is not mandatory in your state, you may still want to consider purchasing the insurance policies. Most of these companies have websites that will give you detailed information about rates and coverage. If possible, take down their names, addresses, dates of birth, gender, and extent of injuries. You wont have to deal with as many people as you would if you used two different insurance companies. Some of these elements are required by all states whilst others are not required. Q: Do I have to hire an attorney to help me with my claim? A: No, any person can represent themselves, but there are many good reasons why you should. In some states, licensed drivers cannot register a vehicle without showing proof. Minnesota has adopted a law known as no-fault that affects many aspects of car accidents in Minnesota. Keith Understrom works in the insurance industry and runs a free insurance information website as an information resource. Attorneys and insurance companies keep track of these figures, and there are even books and databases that contain this information. After all, they are not in the business of handing out money. First consultations are usually free, so it usually does not cost any money to investigate whether you should retain an attorney. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. Insurance companies often require prompt notice of these claims and may deny these benefits to anyone who does not follow the strict requirements in their policies. You never know when a girl scout selling cookies door-to-door is going to make an appearance. Q: How long do I have to file a lawsuit? A: Each state varies. If you live in a state where personal injury protection is not mandatory however, you might decide that you need the extra insurance policies anyway. PIP, in the event of an accident, pays for the medical expenses and other assorted damages incurred by the insurance holder and their passengers (or if the insurance holder is an injured pedestrian). How much insurance policies you need depends, mainly, on your age. Some insurance policies require notice of a claim involving an unidentified driver within 30 days of the car accident. How Much Are My Damages Worth? There are different ways of valuing your case. In general, the following meanings apply to the individual thresholds. Auto accidents are a significant cause of disabling injuries and deaths throughout the nation. Minnesota has adopted a law known as no-fault that affects many aspects of car accidents in Minnesota. This may seem like the thin end of the wedge, especially if youre the one driving an office car pool, however, the safety of any passenger riding in your car is always going to be your responsibility. A permanent injury is an injury that is not likely to ever go away. This was done to make sure that only people with serious injuries could bring a claim for their injuries. However, I will also comment on issues that you need to identify within your own state. Similarly, licensed drivers are only asked for proof of vehicle insurance coverage when the licensed driver is in an accident, gets a ticket, or has one or both already on their driving record.
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