insured car metaphor via bubblewrapped toy carThere are a number of factors which determine the worth of your personal injury case. We at Morris Bart are experts in the field of maximizing each factor to ensure that you get all of the compensation you may deserve. Factors such as available insurance and injuries sustained during the accident will have an impact on that compensation.

The Limit Does Exist

Insurance coverage has its limits, and these limits provide a realistic goal for determining the greatest possible monetary outcome. Two major insurance coverages that can provide the most gain are liability and uninsured motorist; MedPay, or medical payments coverage, is not a required-by-law insurance, and it pays out less than liability or uninsured motorist coverage.

Though it is not required, MedPay has many advantages. This coverage is used to pay for medical treatment related to the accident. There is a positive and negative side to this type of coverage: on the positive side, fault does not come into play. Regardless of who is at-fault, you can use MedPay to cover some of the medical bills that are attributed to the accident. On the negative side, MedPay affords far less money than traditional coverages— sometimes as low as $500, or as large as $5,000. In many situations, medical bills can far exceed either amount.

Enter liability coverage. This is coverage the driver carries for injuries and damages that they may cause to others. There are two components to this type of coverage: the amount available per person and the amount available per accident. If three people in a vehicle that gets rear-ended all suffer injuries during the accident, there may be limits to the coverage per person. For example, the policy may limit the payout to $25,000 per person and $50,000 per accident. Therefore, the most that any one person in that vehicle can recover is $25k. However, the ultimate total payout can only be $50k, instead of the expected $75,000; even though three people were injured, the policy is essentially limited to two.

I have insurance, but what about the other driver?

What if the opposing driver doesn’t have any sort of coverage? Uninsured or underinsured motorist coverage is a secondary insurance that you have on your vehicle, but twice as important. This coverage can be used when the other driver has no liability coverage at all or doesn’t have enough insurance coverage. This type of coverage maximizes the available money that can be used to compensate you for your injuries. Though this insurance type is not required by law for all drivers, we at Morris Bart highly recommend it since this type of coverage protects you from a potentially difficult situation.

An apple a day keeps the medical bills away.

No one wants to suffer catastrophic injuries due to an accident, but unfortunately, more severe injuries may imply a higher payout (though this amount is still dependent on available insurance coverages). The greatest way to diagnose the severity of your injuries is through medical treatment needed to bring you back to normal, or as close as possible. This is why we emphasize the importance of adhering to the medical provider’s recommendations, to give proof to your injuries, which thus bolsters your personal injury claim against the adverse party. Effectively, your doctor witnesses your injuries and provides trustworthy information to your insurance providers, all so you don’t get stuck with a huge doctor’s bill that you can’t pay off.

Ultimately, coverage has to be available for a recovery of any kind, and there must be an injury present to use that coverage. Again, we highly suggest liability and uninsured or underinsured motorist coverage, as well as medical payments coverage to fill in the smaller gaps. And above all, respect your injury treatment schedule with your doctor—they are your allies both medically and fiscally.

If you or a loved one has been in an automobile wreck, or any type of personal injury incident, contact us today or fill out our free case evaluation form. Our hotline is open 24/7 – One Click, That’s It!

October 19, 2017 | Categories: Auto Accidents, Legal Tips |