What Costs Does Car Insurance Cover?

Car Insurance & Coverage

You were in a car accident, but you’re insured so everything’s fine, right? Not always. The type of car accident insurance you have will determine how much you’re covered for, and even then, you’re not always fully covered. The following are a few examples of what may and may not be covered.

Medical Costs

If you have bodily injury liability and you are the driver who caused the accident, most of the injuries and deaths caused by your accident will be covered. Uninsured motorist bodily injury also covers your medical costs if you are in an accident with someone who is uninsured. If you have MedPay, it covers medical costs for you and your passengers regardless of who caused the accident. PIP is another type of insurance that doesn’t take fault into consideration but will cover some medical expenses.

Property Damage

If you have property damage liability and the accident was your fault, the other party’s property would be covered under your insurance policy. Collision coverage also takes care of property damage repairs related to the accident, but it doesn’t matter who is at fault. If your car is damaged due to an uncontrollable event, such as weather or theft, comprehensive coverage is what would cover those property damage costs.

Other Damages

Depending on the situation surrounding your car accident, there could be other damages you’re dealing with. For example, if your accident was particularly traumatic, you could have emotional scars you’re trying to work through. You might have lost the ability to work due to your injuries, or you might have separated from your spouse due to the stress of fighting for compensation. Unfortunately, you’re not going to find coverage for any of these other damages in an auto insurance policy.

How do you get compensation for pain and suffering, lost wages, loss of companionship and similar damages? Filing a lawsuit might be in your best interest. You shouldn’t have to cover the costs of these issues on your own, and the individual responsible for the accident should be held accountable. Your car accident lawyer can help you work through a complaint, get it filed and fight for your rights.

Give Your Car Accident Lawyer a Call

After being involved in a car accident, you deserve compensation regardless of who is at fault. Give your car accident lawyer a call today so you can begin the claims process or so you can work on filing a lawsuit.