If you have been injured in a car accident, it is absolutely crucial that you have a way to ensure that your medical bills are able to be paid. It is also extremely important to ensure that you are able to partake in recovering from emotional pain or suffering. This article only pertains to individuals who have been in a car accident while driving. Passengers that are injured in an accident may have the ability to file a claim with the insurance companies of either driver involved with a crash; if this applies to you, speak to an attorney to discover your options. In order to properly evaluate your case, an attorney may ask the following questions:
- Who was at fault? (The answer to this may be murky: it is often difficult to pinpoint who is completely at fault)
- Do all involved parties have insurance coverage? (If you are not certain, check the police report pertaining to your accident)
- Did you abstain any injuries from the accident? (Some injuries may take days after the accident to pose a real issue)
- Are you able to return to work?
Who Was At Fault?
Kentucky is a comparative fault state, meaning that each driver’s actions are compared to determine a percentage of fault for each driver. (This is why an attorney is so important.) If you were at fault, you will be limited to your own insurance coverage. If you are insured in Kentucky, that means that the first $10,000.00 of medical bills and/or lost wages will be paid by your own automobile insurance company. (This is true whether or not you are at fault.) Whether you were at fault, contact your own insurance company immediately to begin the process of paying your medical bills and lost wages or defending you against the other driver.
Do All Involved Parties Have Insurance Coverage?
If you are not found to be at fault for the accident, the payment of your medical bills will, in most cases, become the responsibility of the other driver. If this is the case, it is important to determine if the other driver has insurance coverage. Unless the person at fault is exceptionally wealthy, it may be difficult to collect the money you are owed if they do not have insurance coverage. This leaves the driver that was not at fault in a difficult situation, as they become financially responsible for a situation that was no fault of their own. It’s for this reason that it is illegal to drive a vehicle uninsured.
Did You Abstain Any Injuries From The Accident?
If no injuries occurred during the accident, your main priority will be to seek compensation for the damage to your vehicle. If you were injuried, it is important to seek medical attention as soon as possible in order to both file an accurate claim for the coverage of the bills, and to of course make sure that no injury goes without medical treatment. Before you get in contact with your insurance company to file a claim, it is a good idea to get in contact with an attorney first. They will be able to gather all relevant data in order to file the most accurate claim with the insurance company for you.
Are You Able to Return to Work?
Most insurance companies offer up to $10,000 in order to help cover lost wages or medical bills; a serious accident may prevent you from returning to work for days, weeks, or even months, depending on the severity of your injuries. Your attorney will help you complete the necessary forms from your insurance company that you will need to fill out in order to receive lost wages in the case that you are not able to return to work.
You will then have to make the decision of whether or not you would like to follow a lawsuit. It is best to consult your attorney in order to weigh out your options and discuss the statue of limitations in your situation.