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Frequently Asked Questions

What information should I obtain from the other driver immediately following a car accident?

Knowing what information you should obtain from the other driver immediately following a car accident can be critical for preserving your legal rights, especially if the other driver caused your crash. In addition, knowing what to do at the accident scene can save lives, minimize injuries, and make the insurance claim process less complicated, according to the Insurance Information Institute (III).

Severe car accidents can have devastating consequences on your health and your finances. However, if another driver caused the collision, you could qualify for compensation, such as healthcare costs, pain and suffering, and other damages. Morgan & Morgan can be here for you during this challenging time. Contact us today for a free case review to determine your legal options.

I’m in a “fault” state. What does that mean if I’m in an accident?

You had just a few seconds to react. The driver of the other motor vehicle had the same amount of limited time to avoid a vehicle collision. After conducting a comprehensive investigation, the law enforcement agency that responded to the car accident filed a formal report. Inside the report, the conclusion of the responding law enforcement agency placed the blame for causing the auto crash on one of the two parties involved in the incident. You live in an at-fault state, and you want to know what it means if you are involved in an accident.

Each state has established its own laws concerning which party should assume fault for causing a motor vehicle collision. You either live in an at-fault or a no-fault state. Both categories determine how legal liability is assigned for a car accident, as well as how insurance policies apply to everyone involved in a crash.

I’m in an at-fault state. What does that mean if I’m in an accident? 

It means the at-fault driver’s insurance policy covers the costs associated with the collision for every party involved in the crash. Although at-fault states provide financial incentives for drivers to operate their vehicles safely, proving fault can be a complicated process that requires the legal support of a state-licensed personal injury attorney.

Morgan and Morgan offers a free case evaluation to drivers that get involved in car accidents. We have helped our clients recover more than $14 billion in monetary damages since we opened our first office in 1988. If you live in an at-fault state, Schedule a free case evaluation to receive legal support for filing a car insurance claim.

I’m in a “no-fault” state. What does that mean if I’m in an accident?

As one of the unpleasant facts of life, getting involved in a car accident requires following multiple steps to resolve the subsequent financial issues, including lost wages, medical expenses, and property damages. If another party committed one or more acts that caused a vehicle collision, most states operate on the at-fault insurance principle, which means the party at fault can be held legally liable for paying for the costs associated with a car accident. The at-fault driver’s insurance company pays out claims to the other parties involved in a crash.

However, drivers in 12 states must follow the no-fault insurance doctrine, which means they cannot depend on another party’s car insurance company to pay for costs associated with the injuries sustained from a vehicle collision even if another party is responsible for causing a car accident. You might be thinking, “I’m in a no-fault state—what does that mean if I’m in an accident?” One of the experienced personal injury attorneys at Morgan and Morgan can help you navigate the process for receiving proper compensation.

Since 1988, Morgan and Morgan has represented clients that required legal support in the aftermath of a car accident in a no-fault state. We have recovered more than $14 billion in monetary damages for a wide variety of cases, with car accidents generating the highest percentage of compensation. Our more than 30 years of experience can help you receive financial assistance for the costs associated with any injuries sustained because of an accident.

Schedule a free case evaluation today to learn more about how to proceed with an insurance claim in a no-fault state.

How long do I have to inform my insurance company that I was in a car accident?

You have many issues to address after a car accident, starting with seeking immediate medical care to diagnose and treat injuries. Notifying law enforcement is another important step in the car accident reporting process. If your accident was due to the negligence of another driver, gathering evidence and obtaining contact information of witnesses provides your attorney with enough information to establish a case. But there is one question you must know the answer to if you expect to receive compensation for the injuries you sustained.

How long do I have to inform my insurance company that I was in a car accident?

At Morgan and Morgan, our team of experienced personal injury attorneys helps our clients navigate the insurance claim filing process, which includes ensuring our clients file a claim before the deadline. For more than 30 years, Morgan and Morgan has worked with clients to recover the financial losses caused by car accidents. We provide legal support when a client files an insurance claim, as well as represent clients that decide to file a civil lawsuit that seeks monetary damages.

Schedule a free case evaluation with a Morgan and Morgan personal injury lawyer to learn how long you have to inform your insurance company about a car accident.

What if I get into a car accident with someone who doesn’t have insurance?

You purchase a car insurance policy because you want to ensure you receive financial protection in case you fall victim to Murphy’s Law: “Whatever can go wrong will go wrong.” In most states, motor vehicle owners do not have a choice when it comes to buying auto insurance. Forty-nine out of the 50 states require some form of car insurance to make it legal for a car owner to operate a vehicle. Although coverage varies, state laws mandate the purchase of car insurance policies.

However, many car owners decide to skimp on car insurance or not purchase a policy at all. This means you might someday have to answer the question, “What if I get in a car accident with someone who doesn’t have insurance?” At Morgan, we help clients answer the question by first reviewing their car insurance policies, and then examining state law as it pertains to punishing drivers that operate a motor vehicle without insurance.

Hiring one of the experienced car insurance attorneys at Morgan and Morgan can help you recover the financial losses caused by an uninsured or underinsured motorist. With more than three decades of experience, our lawyers have a thorough understanding of state car insurance laws, as well as the legal options available to get our clients the compensation they deserve after a vehicle collision.

Schedule a free case evaluation today to learn how to proceed with the filing of a car insurance claim.

What if I get into a car accident and I don’t have insurance?

Purchasing car insurance is not only a good idea, but it also is the law in every state for motor vehicle owners to buy property damage liability insurance (PD). Every state except Florida requires motorists to have bodily injury liability insurance (BD), and nearly half of all states require some form of uninsured/underinsured auto insurance coverage. Despite state laws that mandate the purchase of certain types of auto insurance, a surprisingly high number of motorists do not have any type of car insurance.

What if I get in a car accident and don’t have insurance? The short answer is you can expect to pay out-of-pocket for all the costs associated with the vehicle collision. This includes the costs involved in repairing damage to your vehicle, as well as medical expenses such as diagnostic tests and treatment programs. In some cases, the other party or parties that got involved in a car accident with your vehicle might be able to sue you to recover financial losses. You assume full responsibility for paying the costs associated with the awarding of monetary damages.

The key to avoiding falling into a deep financial hole because of the lack of auto insurance or because you purchased an insufficient amount of insurance is to buy the proper amount of coverage. At Morgan and Morgan, we help clients that need legal support after a car accident. Since 1988, our team of personal injury attorneys has recovered more than $14 billion in monetary damages. If you get involved in a vehicle collision without car insurance, we can help you fight back against any type of legal action that seeks compensation.

Schedule a free case evaluation to discover your rights as one of the victims of a car accident.

How can an attorney help me after a car accident?

A car accident can trigger a wide variety of emotions, none of which are positive. You might feel panic at the sight of an injury or fear of the unknown as you travel to the nearest hospital. Despair can set in when you find out how much money you have lost because of an auto collision. Dealing with the emotional roller coaster set into motion after a car accident can make it difficult to focus on how to recover your financial losses. The key to receiving compensation after an auto crash involves reaching out to an experienced personal injury attorney who specializes in handling car accident cases. 

How can an attorney help me after a car accident? A highly-rated lawyer who has compiled a record of success offers several types of legal support to recover the financial losses associated with a vehicle collision. At Morgan and Morgan, our personal injury attorneys have helped clients recover financial losses for more than three decades. During that time, we have recovered more than $14 billion in monetary damages.

Get the compensation that you deserve by scheduling a free case evaluation today with one of the car accident attorneys at Morgan and Morgan.

Is getting into an accident with a motorcycle the same as a car accident?

Is getting into an accident with a motorcycle the same as a car accident? The answer is “kind of” because of the difference in the severity of each accident’s associated injuries. Motorcyclists have little if any protection such as an airbag and solidly constructed seats to cushion the impact of a vehicle collision. Some motorcycle accidents throw the rider from the seat of the motorcycle and the fall to the ground can result in life-threatening injuries. Although car accidents can generate severe injuries, the occupants of motor vehicles enjoy much more protection, as well as benefit from several safety features that are not available to motorcyclists.

Although the difference in injuries can make a car accident different from a motorcycle accident, the two vehicles share many of the same attributes, such as the process for filing a civil lawsuit that seeks monetary damages. The statute of limitations for filing a personal injury lawsuit for both car and motorcycle accidents is the same as well. Regardless of whether you collided with a car or a motorcycle, your personal injury attorney must prove the same four elements of negligence for you to build a strong enough case to receive monetary damages to recover financial losses.

For more than 30 years, Morgan and Morgan has represented clients that got involved in car and motorcycle accidents. Our team of experienced personal injury attorneys has recovered more than $14 billion in compensation for our clients. We handle all types of vehicle accidents, including those that involve automobiles and motorcycles. Morgan and Morgan also helps clients file the most persuasive insurance claims. Whether you are a victim of a car or motorcycle accident, schedule a free case evaluation with one of the personal injury attorneys at Morgan and Morgan to determine the best course of legal action.

Is getting into an accident with a truck the same as a car accident?

Think of the difference in your reaction when a car tailgates your vehicle compared to when an 18-wheeler follows your car too closely. The difference between your reactions is the short answer to the question, “Is getting into an accident with a truck the same as a car accident?” 

Yes, the much larger truck presents a much more significant risk of you sustaining one or more serious injuries. According to the National Highway Traffic Safety Administration (NHTSA), more than 5,000 people died, and another 160,000 sustained injuries in 2019 as a result of getting into an accident with a truck.

Although the severity of injuries can be much worse after an impact with a big rig, car and truck drivers share many things in common when it involves vehicle collisions. The operators of both types of motor vehicles go through the same insurance claim and civil lawsuit filing process, as well as have to meet the same deadline for filing certain legal documents. Personal injury attorneys litigating car and truck accident lawsuits must prove the presence of the same four elements of negligence.

Since 1988, the personal injury lawyers at Morgan and Morgan have recovered more than $14 billion in monetary damages for clients that won favorable legal judgments. We offer the legal support of car and truck accident attorneys that exclusively work on vehicle accident cases. With an experienced car or truck accident attorney on your side, you substantially improve your chances of receiving compensation to cover the costs associated with medical bills, property damages, and lost wages.

Schedule a free case evaluation to get the compensation that you deserve.