THE DIFFERENT AUTOMOBILE INSURANCE SITUATIONS
It is very much possible that everyone has Car insurance, but not everyone thinks about using it or knowing how it works. every day there are people who get into an accident and get into an insurance situation, which they have little knowledge about. Good enough, knowing the all about one’s insurance prior is pivotal to having a smooth post-accident process. There are many insurance situations that arise depending on the accident type.
ALSO READ: AUTOMOBILE INSURANCE ASSOCIATIONS
No One Was Injured and There Is No Extensive Damage
Considering this as the best-case scenario. The other driver is safe, insurance member safe and maybe there’s a slight bit of damage on one or both cars. Settling the matter should not take long if the member has collision insurance. Collision insurance covers damage to a member’s car incurred by an accident, but most importantly is handled by the member’s insurance company. Filing through a member’ company before the other drivers will always be the easier. As long as his/her deductible is less than the total damage cost, collision insurance is his/her best bet.
If a member does not have collision insurance, he/she will have to file a claim through the other driver’s property damage liability (PD) insurance. Going through another company will take more time, but if the damage is small and inexpensive, there should not be many issues getting it processed. Be sure to consult with your own insurer before settling on any agreement, however.
If the damage is less than $500, he/she don’t have to worry about rates going up. Most insurance companies do not qualify accidents as anything that costs less than $500 to fix.
The Other Driver Is Injured
If the other driver was injured, there is not much an automobile insurance member can do on his/her end. Bodily Injury liability insurance will pay for medical costs if the other driver does not have Personal Injury Protection (PIP). How much a member need to pay out again depends on the at what point the accident got into. He/she needs to be 100% at-fault to be forced to pay anything while driving in a pure contributory state like North Carolina (for instance). If driving in West Virginia, the other driver would have to prove that the insurance member was at least 50% at fault. While in Mississippi, the insurance member would pay in direct proportion to his/her percentage of fault. In general, Different states have different rules about defining fault.
It can come down to a battle between insurance companies and lawyers before the fault is finally settled. It is why police reports and careful assessment of the crash are necessary. Remember to never settle without consulting insurers first.
Personal injury protection or Medical Pay (MedPay) insurance is the easiest ways for an insurance member to cover medical costs. There is nothing to worry about if he/she is in a no-fault state like Utah since PIP is mandatory. He/she can think of PIP like collision insurance for his/her body. It will be the fastest and easiest claim to process because it goes through a member’s insurance. In states that do not require mandatory PIP, there’s an option to buy MedPay insurance, which does the same thing. Both types of coverage can be completely worth the extra payment if he/she can afford it.
In conclusion, Car insurance, everyone has it, but rarely do they think about using it. Unfortunately, every day there are people who get into an accident and get into an insurance situation, which they have little knowledge about. Filing an insurance claim is a long and tedious process that becomes harder when taking into account any injuries or car damage one has sustained. Luckily, knowing the ins and outs of one’s insurance prior is pivotal to having a smooth post-accident process.