How Accident Insurance Protects You When Life Takes a Turn

Accident insurance is a type of insurance policy that provides financial support in case of accidental injuries. It typically covers medical expenses, loss of income, and sometimes rehabilitation costs. Unlike health insurance, which covers a broader range of health-related issues, accident insurance specifically focuses on unforeseen incidents resulting in physical harm. It's an additional safeguard for unexpected situations, providing extra financial security beyond regular health coverage.

Can I Trust My Insurance Company to Offer a Fair Settlement After an Accident?

While insurance companies are obligated to honor their policy agreements, their primary objective is often to minimize costs. That explains why initial offers might not fully cover all your damages or losses. 

Take, for example, the case of Jessica Long vs. The Travelers Home and Marine Insurance Company. The initial pre-trial offer was only $16,000. When our attorneys took on the case, they won a $16.4 million verdict. 

This is a real-life example of why seeking advice from a legal professional can ensure that your rights are protected and you receive a fair settlement. Mind you, we've won many of these cases and secured over $20 billion for the injured throughout America.

Can I File a Claim if I Didn't Have Insurance?

Filing a claim without having personal insurance coverage can be challenging, but it's not impossible. In the case of a car accident that involved another party who is at fault, you might be able to file a claim against their insurance. However, lacking personal insurance could limit your options and make the process more complex. It's advisable to consult with a legal expert from our team to explore your rights and potential avenues for filing a claim in such situations.

Should I Provide a Recorded Statement to My Insurance Carrier?

You shouldn't provide a recorded statement to any party, not only the insurance company, especially before consulting an accident expert from our team. It's important to understand that anything you say can impact your claim. An attorney can guide you on what information to share and how to articulate it to protect your interests. Remember, no matter what the other party says, you have the right to seek advice before responding to such requests.

Can I Recover Damages if I Was at Fault?

That might be possible, but it depends on the circumstances of your case and the jurisdiction. In states that follow comparative negligence laws, you may be able to recover a portion of the damages even if you were partly at fault. 

That said, the amount you can recover typically depends on your degree of fault in the accident. Only Alabama, North Carolina, Maryland, Virginia, and the District of Columbia follow the controversial and plaintiff-unfriendly contributory law. Here, if you are found to be at fault for the accident, even by one percent, you will lose your right to recover damages. 

Even so, whenever in doubt, it's always advisable to have your case reviewed by an expert. That's because insurance companies and claims adjusters may want you to take the blame for an accident that wasn't even your fault in the first place.

Get a Free Case Evaluation

Whether or not you can file a claim depends on the unique circumstances of your case. It's time to ditch the "what ifs" and actually have your case reviewed by an accident expert from America's largest injury firm. If you have a viable claim, we might be able to fight for you for free unless we win. 

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