As a driver, you may know the importance of having auto insurance before getting behind the wheel and heading out on the road. However, there are different levels of coverage offered to drivers, and the amount of coverage required varies from one state to the next. If you are wondering if insurance will help cover some personal injury expenses, including the cost of medical treatments and surgical procedures, you should know that it can, but it does depend on a few different factors.
Liability Insurance and Protection
Drivers are typically required to obtain liability insurance before legally driving around. If you have liability insurance and you were responsible for an accident that injured other people, your insurance company would likely cover some of the resulting personal injury expenses. Even if the insurance company is putting out money to cover those expenses, the company might not cover the full amount, and that means you would need to pay the rest of the money out of your own pocket. The amount of money that your car insurance company is willing to cover will depend primarily on your policy limits. Some companies will pay up to $100,000 in personal injury-related expenses. If multiple people were involved in the accident and were injured, that amount of money might not cover all the expenses.
Uninsured Motorist Coverage
While you may have liability insurance that would cover the cost of personal injury expenses when you cause an accident and other people get hurt, you may want to know what would happen if you were involved in a car wreck caused by another driver. If the driver has insurance, his or her insurance would likely cover the cost of your personal injuries. Unfortunately, many motorists drive without having the proper auto insurance. If one of these motorists causes an accident and you are injured because of it, you would likely have no way to receive compensation because the driver of the other vehicle might not have any money to give you.
To protect yourself and ensure you have the coverage you need just in case you get into a sticky situation while driving, you should have uninsured motorist coverage. When you get this additional coverage, your insurance company will pay for your medical expenses whenever you are injured in an accident with an uninsured motorist. Although it is an additional expense to incur on a monthly basis, it is worth having because you would not want to end up in a bad situation in which you are injured with no way to receive compensation for all your medical expenses.
Non-Vehicle Insurance
If injuries are sustained during a different type of accident that does not involve any vehicle, other types of insurance could potentially cover the personal injury expenses. For example, a homeowner could have homeowners’ insurance that would cover those personal injury expenses when the homeowner is liable for the injuries that were sustained by someone while on their property. Dog owners can even invest in dog bite liability insurance as a precautionary measure.
Liability insurance will often help cover a large portion of the personal injury expenses that an injured individual will accumulate. However, the amount of coverage varies from policy to policy. When involved in a personal injury accident, it is important to get professional legal advice on the next steps to take to overcome the situation. If you could use some professional legal advice, contact Roberts Law Office right away.