In the Event of an Accident – Make Sure You are Covered

Posted by on May 20, 2013 in Personal Injury | 0 comments

Cars fill up US roads every day as it has become the ordinary means of transportation for millions of people in the US. With the number of cars still increasing, implementation of traffic safety laws have become stricter, with the hope of significantly decreasing car accidents, which reach up to five million every year – that means about 590 accidents every day.

More than damaging properties, car accidents greatly affect the life of an injured victim, sometimes altering his or her life forever. Though some factors are beyond human control, majority of the accidents are still attributed to carelessness or reckless behavior and driver error, which includes sudden breaks and / or turns, and failure to use turn signal lights. Such reasons make the guilty party more liable for the harm he or she has caused.

Part of the responsibilities of the liable party is compensating the victim for whatever financial sufferings he or she is, and will be, faced with. For this reason, motorists living in tort states are obliged to prove financial responsibility or carry liability insurance. This insurance, however, will benefit only the injured victim; the person who caused the accident and injury is excluded.

According to the car accident lawyers at Habush Habush & Rottier S.C.®; there is another insurance, though, that will cover the cost of medical treatment needed even by the liable party – the Personal Injury Protection or PIP. This means that even though you were the cause of the accident, you and your passengers (if you have any) will be covered by this insurance. The good part is, besides the medical cost, PIP also includes in its coverage lost wages, child care, household maintenance and funeral expenses. Other than Detroit, Michigan, the other states that require PIP are Washington D.C., New York, Utah, Pennsylvania, North Dakota, New Jersey, Massachusetts, Minnesota, Kentucky, Kansas, Hawaii and Florida.

Despite the insurance required in the state where you reside or being able to prove financial responsibility, it is still best that you seek the assistance of a highly qualified car accident lawyer whose expertise and vast experience in dealing with insurance and compensation will help ease the financial burden in you. With his or her help, you have greater chances of receiving the maximum limits of your insurance or getting the right amount of compensation from the liable party.

 

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