Car accidents are scary, unpredictable, and have lasting consequences for those involved. Being in a vehicle accident can mean car repairs, time off work, injuries, and even funerals. If you are overwhelmed by what to do after a car accident, contact a Wauwatosa car accident attorney at Groth Law Firm today. Immediately after a car collision, you should contact your insurance company and inform them of the incident. Be aware that the other driver will most likely do the same. Once informed, their insurance company is going to do their best to avoid paying a claim. Do not accept the first offer they make to settle the insurance claim. They probably are not offering you what you deserve for your pain and suffering. Instead, start working with a skilled car accident attorney who can help assess your case and put pressure on the liable party’s insurance company to pay an acceptable amount for your claim.
Types of Auto Insurance Coverage
As the Insurance Information Institute describes, there are multiple types of auto insurance. Some are mandatory while others are optional. In Wisconsin. Property damage liability insurance and bodily injury insurance cover a victim of any car accident the insured party causes. According to the Wisconsin Department of Motor Vehicles, the minimum insurance requirement is $10,000 for property damage, $25,000 for injury or death of one person, and $50,000 for injury or death of multiple people.
Additional insurance coverages include rental insurance, if the car is not owned by the driver, and uninsured/underinsured motorist insurance, which protects you if you were hit by a driver who does not have enough insurance to cover your costs or who fled the scene at the time of the crash. Personal injury protection insurance pays for medical costs and lost wages of the driver or passengers of a vehicle where the driver was not liable.
If you’ve been in a car accident, multiple insurance policies may apply. Often, the insurance companies will try to avoid paying a claim, stating that there are other insurance companies that should have to pay out first. The best course of action you can take as the injured party is to carefully document all of your property damage and injuries. Then contact the Groth Law Firm to speak to one of our knowledgeable car accident attorneys about how to proceed with your claims. We will do the work to dig up what insurance applies to your case and how much your case is worth while you rest and recover.
What Will an Insurance Claim Pay For?
Determining what finance damage a car crash has caused is complex. Payment may be made for some of the following:
- Medical Costs – If any individuals in your vehicle went to the hospital or to see a doctor, the liable party’s insurance is responsible for covering those bills;
- Future Medical Costs – If you or a passenger sustained long-term injuries, the medical costs may drag out for years into the future. It is crucial you account for this when approaching an insurance company. They won’t want to pay for potential medical costs down the road, but you’ll need the money so you can afford any surgeries or physical therapy that become necessary;
- Property Damage – Insurance companies take into account the depreciation of property. If you were driving a ten-year old car, it won’t be worth as much as a new car. Still, it depends on the condition of the property that was damaged and how easy it would be to replace it with something similar. We work with insurance companies to get the best value estimate for your property;
- Lost Wages – If you or your passengers’ injuries have kept you from working, the liable party may be responsible for lost wages;
- Pain and Suffering – Car crashes can cause long-term injuries or death. Pain and suffering damages acknowledge the emotional repercussions of an accident that don’t come with a bill or receipt. While there are precedents set for how much different cases cost, your case is unique and should be handled by an experienced lawyer who can fight to get you the compensation you deserve; and
- More – Including permanent scarring or disfigurement, emotional or psychological harm, loss of joy of life, loss of consortium in the event of a death of a loved one, lost earning capacity, and other damages.
Contact Us Today To Speak With an Experienced Wauwatosa Auto Collision Attorney Today
The compassionate Wauwatosa car accident attorneys of Groth Law Firm handle all types of auto accidents large to small, and will work tirelessly to ensure that your damages are fairly compensated. Call us today at 877-375-7001 to schedule a free consultation.