No one is ever really prepared to be involved in a car accident, and those who have been likely have many questions about what happens next but aren’t sure how to find out. For this reason, this week we are focusing on some of the most important concepts of an auto wreck that you might not be aware of. This should give you a little more information about what you can expect next.
Insurance Doesn’t Cover Everything
Most states require drivers to carry auto insurance coverage, and most people know that after you’ve been involved in an accident, you file a claim with your insurance company. It is widely assumed that the insurance company will then cover the costs of repairing or replacing your vehicle, and maybe even cover any of your medical bills.
However, insurance doesn’t cover every loss. You won’t be paid by the insurance company for your loss of income, the inconvenience of being injured in an accident, or the pain and suffering you endured. These can only be recovered if you file a personal injury lawsuit.
You Could Be Partially At-Fault
You might think that since you were the one hit by a car, that person driving will ultimately be at fault. However, if you wind up having to go to court, you could be found partially responsible if any of your actions contributed to the cause of the accident.
Perhaps you were sending a quick text message or were driving over the speed limit, for example. In any case, going to court will mean that you’ll have to be held accountable for you portion of fault, says one Riverside car accident lawyer we spoke to.
Subrogation Is a Thing
This section is for those who either don’t have insurance or their insurance won’t pay for certain damages. When an insurance company pays out on a claim, and someone else is found at fault for the accident, the insurer will often seek repayment from the liable party and/or their insurance company.
This is known as subrogation, and should be addressed as soon as possible if you receive a subrogation notice from an insurance company. If you ignore these letters or fail to come to a payment arrangement, most insurance companies, depending on the amount they paid out in the accident, will file a lawsuit against you so they can recoup their costs.