Accidents are an unfortunate fact-of-life. They can wreak havoc on a person’s well-being. Car accidents can also be a source of bodily harm and property damage. In order to prevent financial loss and protect loved ones, it is necessary to have the right amount of coverage. A good liability policy will cover medical expenses as well as property damage. In addition, coverage provides for the injured party if they become unable to work.
Liability Coverage
After a car accident, liability coverage protects you and your loved ones from being sued. Coverage also protects your assets as well. Although almost every state requires proof of insurance, many car accidents involve uninsured motorists. When an uninsured motorist is at fault, and harm or damage occur, legal action becomes necessary. The next step is to hire a personal injury attorney who will be able to initiate legal action for your case.
In’s and Out’s of Liability Coverage
Understanding liability coverage can be difficult. In the event of an accident, an attorney will be able to explain whether your policy is able to cover medical expenses and personal property damage due to the car accident. An attorney will also be able to guide legal decisions involving insurance settlement, litigation, and courtroom decisions.
Coverage is Key
Some studies estimate up to 20%-40% of the drivers on the road are uninsured. As a preventive measure, it is prudent for drivers to carry uninsured motorist coverage. These umbrella policies, act as a safety net in case of an auto accident. Umbrella insurance provides drivers with peace of mind knowing they are protected in the event of an accident.
Inadequate Liability Coverage
In cases due to driver negligence, it often becomes necessary for a lawyer to initiate legal action. Often legal action can result in the garnishment of wages. However, a legal proceeding becomes especially important if the negligent party is uninsured. In this instance, without legal action, the injured party could be left unable to pay medical bills or expenses for damaged property.
Legal Action
Often, civil action becomes necessary with accidents. To file a civil suit, evidence must be provided. Furthermore, proof of bodily harm and/or property damage needs to be established. Paperwork from the car accident such as police reports, witness reports, and medical reports must be looked over. Finally, a judge or group of jurors determines the exact amount of damages. Afterwards, the injured party is then justly compensated.
Civil Action Protects Everyone
In today’s society, people have become conditioned to look down negatively upon individuals who pursue civil action after a car accident. Often times, the victims of auto accidents are made to feel guilty for their injuries. Many clients are hesitant to press legal claims; worried how their actions might affect the negligent party. The fact is that people who harm others must face the legal consequences of their actions. Society, as a whole, benefits when individuals are held accountable for their negligent and dangerous behaviors.
Often, even the best and most attentive drivers can become involved in a car accident. Whether through your own fault or that of another driver, it is crucial to have liability coverage. In a split second, your life can change forever and good coverage may be all that stands between you and financial disaster.
Your Personal Injury Attorney Reno,
Steve Hess
