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I will address Nevada law since that is where I practice. Craig Perry is an attorney practicing law in the State of Nevada since 1989. PIP, in the event of an accident, will pay around 80% (depending on insurance policies limits) of the costs of the insurance holder and passengers. If you have one insurance agent who can take care of both your home owner and car insurance policies, youll be less likely to get confused; and, if you do get confused about one or both of your policies, youll only have to contact one insurance agent to straighten things out for you. If you reside in a state that requires personal injury protection you will need to know the minimum amount of cover you must have because this has already been decided for you. This is especially true if you have a young family or if you constantly carry others in your automobile or other vehicle. Tell your own auto insurance company that you claim your right to any uninsured or under insured motorist coverage, in case the car or truck that hit you was not covered by motor vehicle insurance. Carrying personal injury protection is mandatory in: Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah. If the at-fault party has money, you may still recover, but it will be harder. There are several ways of convincing an insurance company, judge or jury what your case is worth. In general, the following meanings apply to the individual thresholds. Many elements of an auto insurance policy that could be optional are cover for the uninsured motorist and personal injury protection. Perhaps they drive slower and are more cautious than men. Well, the main reason women tend to be offered lower auto insurance rates than men is women drivers, as a whole, arent involved in as many claims as their male counterparts. If you find yourself involved in a fender bender, you thank yourself for purchasing enough auto insurance. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Or, maybe women just dont claim every little fender bender along the way?. First, and most important, Stay Calm Focus first on acting to protect yourself and help other car accident victims. For example, a $15,000 policy means they only need to pay $15,000, even if the case is worth $60,000. He has handled thousands of cases and settled millions of dollars in personal injury and workers compensation claims. Attorneys and insurance companies keep track of these figures, and there are even books and databases that contain this information. Witnesses Look around for anyone who may have seen the car accident, including bystanders and occupants of other vehicles. When Will I be Paid? Most of the time, you will not be paid the money until long after the accident, after you have finished treating for your injuries, your prognosis is known, and after the insurance company has had a lot of time to evaluate your all of the available evidence: the police report, witness statements, recorded statements of you and the other driver, the medical records and bills, and wage loss information. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee. Relying on statistics alone, women seem to be safer drivers.
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