Coverage For My Nebraska Car Accident
Sometimes the circumstances of the accident raised questions about whether or not a loss is insured and whether you will be able to make a successful injury claim.
Every successful injury claim after a motor vehicle accident involves Negligence and an at-fault driver or vehicle owner. Negligence occurs when a driver fails to drive with the proper degree of care, usually violating a traffic law in the process, causing an accident and damage or injuries. The duty of care and breach of that duty are elements of the claim. Also, the failure to drive properly must cause damage or an injury. Since it is not possible to turn back time and undo an accident or the damage it caused so the legal system tries to do the next best thing. People who were injured in an accident caused by another person’s negligence are compensated for their losses or damages and for their pain and suffering with money.
Questions About Insurance Coverage
A news article I just read reminded me of a situation I have seen several times that raises questions about insurance coverage. The article described an accident that involved a driver who struck a building and injured people inside. This is something that should never happen but it happens more often than you would expect. I have been involved with several claims for people in buildings even though my office handles exclusively to motor vehicle accidents. Most of these claims involved drinking or drugs. That is an extreme type of negligence but it does not prevent you from making a claim against the at-fault driver.
I have seen other times when a person inside a building was not covered. For example, any intentional criminal act would not be covered by automobile insurance. If someone intentionally rammed a building it would not be covered. I have also seen a case involving a driver being shot in a drive-by shooting and the insurance of the innocent shooting victim did not cover the claim. Another category of things that can happen while driving and prevent insurance from covering you is acts of God. If a vehicle is pushed into the building by a tornado, you would not be able to make a claim against the driver. Another frequent way that the at-fault driver may not be covered by insurance is when they do not have permission from the vehicle owner to drive the car. Unidentified hit and run drivers can also get away without being held accountable for their actions.
There are many ways that insurance may not help you even when someone else causes your injury in a motor vehicle accident. The best way to protect yourself is with good insurance of your own. Every insurance policy includes uninsured and underinsured coverage that can help if you were injured and it was someone else’s fault. There are also optional types of insurance that can help regardless of who caused the accident and even if the at-fault driver had no insurance. It is best to have good health insurance and to have good car insurance of your own. When selecting car insurance you should consider options such as increasing your coverage above the state minimum and you may want medical coverage or even collision coverage to pay for your vehicle damage.
At the Montag Law Office, we are experienced at evaluating accidents and finding all insurance policies that apply. Put our experience to use. We provide free initial consultations and are available to answer your questions seven days a week. Call (800) 533-0067 to discuss your accident. Evening and weekend calls are welcome.