Many car owners usually buy and renew their insurance policy faithfully in the hope that their insurance company will compensate them for personal injuries or car damage in case of an Auto Accident Vicksburg MS. While this is true, most people end up getting a raw deal when claiming for a settlement. However, this may not necessarily be the fault of your insurer as there may be factors that can rarely be changed. The following insights will help you understand better the role of car insurance in your auto accident claim. Visit website for more information.
Coverage of liability
Liability insurance usually covers the driver and any other authorized users of the car against claims that may arise from car accidents. However, when settling a claim, you can only be compensated with the amount indicated in your policy coverage. If you make a claim against the driver who was negligent during the accident, you cannot get compensated with more cash than the driver’s coverage of liability. For example, if you make a $300,000 claim against the at-fault driver who has a $200,000 of liability insurance, the driver’s insurer can only pay you $200,000 as that is the coverage set in the driver’s policy coverage.
Uninsured at-fault driver
While the law in most states requires that a driver must be insured, some drivers are usually not insured. This can be hard for you as you cannot make a claim against at-fault drivers who are uninsured unless you seek compensation through the courts. However, you should know that most standard car insurance policies have a minimum amount of coverage on uninsured at-fault driver. If you were involved in an accident that was caused by uninsured driver, you should make a claim against your car insurer for uninsured driver benefits.
To find out if unresponsive driver at fault is insured, immediately call the police after an accident to help get the information for you. If the police don’t respond quickly to your call, take the registration number of the other car and report it to the police otherwise you will be at the mercy of the driver at fault. Ensure you call a lawyer from the Law Office of Dean Andrews Jr to help you make a claim for an Auto Accident Vicksburg MS. For more information, visit Website Domain.
