If you’ve been injured in a car accident while riding as a passenger, you might be facing an uphill battle against several insurance companies to get coverage for your medical bills and lost wages. Being an injured passenger is particularly complicated, so take the time to find a personal injury attorney who can guide you through the legal process.
First, you have to find out who was at fault. However, this might take time. So you will need to determine if either driver had “med pay” in their insurance coverages. Med pay will help cover the cost of some medical bills without any determination of fault.
Next, you have to determine if the person driving your car had any uninsured or under-insured coverage. Uninsured or under-insured coverage will help cover the cost of your injuries if the other driver was at fault but didn’t carry enough insurance to cover your losses.
If you and the driver of your car have the same insurance policy, you will run into additional restrictions because you can’t lay claim on some line items of the insurance policy if you are one of the listed insured.
In short, being an injured passenger is frequently confusing and frustrating. In addition, the insurance companies might not fully understand all of the insurance at play. You will need to consult with an attorney to make sure your losses aren’t coming out of your pocket.Read More
If you were injured by a car while riding your bike, try to remain calm after the accident. Get yourself to a safe location and stay still. If you think you’ve been hurt, call 911. And don’t get into a yelling match with the driver of the car.
In the heat of the moment, you might be hopping mad. You might want to scream and yell. But in so doing, you might give the driver reason or cause for assigning blame to you as the bicyclist. The police will likely show up at the scene and ask lots of questions. Those questions will form the basis of who is at fault. Be cooperative with the police, but keep your answers honest and brief.
Unless you were tremendously wreckless, the driver of the car will bear the majority of the burden for the accident. Even if you had stretched the rules of the road as a bicycle rider, you still have the right-of-way in a significant number of situations. For example, the driver is still predominantly at fault if he or she hits you despite plenty of time to see you coming.
Take plenty of photos and use your phone to write down any notes. There is nothing more valuable to a lawyer than notes taken on the scene of an accident. Don’t let the insurance company talk you out of using a lawyer. Bike accidents cause long term injury problems. Consult with a lawyer immediately after the accident in order to recoup most of your losses.Read More
The animals you visit at horse farms and petting zoos are not legally considered to be wild or vicious animals. Donkeys, horses, goats, and mules are generally considered to be gentle enough for interaction with supervised children.
However, animals bite. And when provoked, any of these gentle animals could easily draw blood or remove a child’s finger. Luckily, these kinds of incidents are rare and most petting zoos carry sufficient insurance to cover any kind of unfortunate incident between your child and an animal.
If your child was injured at a horse farm or petting zoo, contact a lawyer to get help navigating the complexity of filing an insurance claim. Don’t let the insurance company talk you out of using a lawyer.
You can expect that your lawyer will get sufficient money to cover any medical expenses — including trauma treatment for your child. Because petting zoo animals are not considered to be dangerous or wild, it is unlikely that the animal will be destroyed. However, the animal is likely to be removed from the general population to deter further incidents.Read More
Passengers injured in a car accident generally have more resources than the drivers to recover their losses. With the insurance policies from both drivers, your own auto insurance, and your health insurance policy, you have a variety of sources from which you can draw to compensate for your medical costs and lost wages. If you were injured as a passenger in a car or motorcycle accident, contact a personal injury attorney to help you navigate through the complexities of the case.
Fault is generally in questions when insurance companies and courts look at how much each driver has to pay for the costs associated with a car accident. As a passenger, you can’t be held at fault for the accident. Some passengers are hesitant to sue the friend or family member who was driving the car. Fortunately, you don’t sue the driver. As the passenger you aren’t suing anyone. You are simply filing a claim against the insurance policy — you are asking to use the insurance policy for its intended purpose.
Don’t try to files the claims on your own. With multiple injuries and property damage, the pool of money will quickly run dry. Everyone affected by the car accident will be trying to take as much of that limited source of funds as possible. Your health insurance company (if they paid for some of your medical treatment) might want a share of that insurance money as well. A good personal injury attorney can ensure that as the passive participant in the accident, not only will you get the biggest slice of the insurance money, but your health insurance company won’t take away the funds you might need for current and future lost wages.Read More