Getting Familiar With All the Different Insurance Claims That May Be Made Following a Car Accident

According to the U.S. National Highway Traffic Safety Administration, there were more than 33,000 traffic accident fatalities in the United States in 2009. More than 3,000 of these the deaths were from traffic accidents that occurred in the state of California, which had more fatal car accidents than any other state. It is no surprise that California has a large amount of car, truck and motorcycle accidents that result in serious injury or death each year. When you are the person injured in a car accident, the different insurance claims and procedures you will need to complete to protect your rights can overwhelm you. The following are some of the different types of insurance coverage offered in California concerning traffic accidents:

  • California Bodily Injury Liability Coverage ― All drivers in California are required to carry a at least a minimum amount of insurance to cover those damaged in an accident that was your fault. The minimum coverage limits in California are:
    • $15,000 per person / $30,000 per accident for bodily injury claims
    • $5,000 for property damage claims
  • Comprehensive and Collision Coverage ― These optional coverages pay to repair damage to your car following an incident or accident to the extent of the policy limits purchased and subject to a deductible.
  • Uninsured Motorist Bodily Injury and or Property Coverage ― This pays for injuries to the insured and those in their vehicle when they were injured in an accident caused by an uninsured vehicle. The minimum limits which may be purchased are $15,000 per person / $30,000 per accident. This coverage is mandatory, unless the insured signs a waiver of the coverage. The waivers are often not clearly spelled out and are often signed without the person realizing it. This is why you need to read the papers and make sure you know what you are buying or not buying.
    Uninsured motorist property damage covers the damage to your vehicle up to $3,500 if you have no collision coverage, and acts as a waiver of your deductible if you have collision coverage, in the event your vehicle is damaged by an uninsured motorist.
  • Med Pay Policy ― This is optional coverage to pay medical expenses if you are injured in a motor vehicle accident, regardless of fault. This also covers passengers in your car.
  • Workers Compensation Insurance ― This is coverage that your employer is generally required to carry to pay for medical expenses and lost wages if you are injured in a motor vehicle accident while in the course of doing your job.
  • Health Insurance ― Your private medical insurance can be used to pay for your medical treatment if you were injured in a motor vehicle accident.

If you were injured in a car accident, an experienced California car accident attorney can help explain the different insurance claims which need to be made, help you make them and obtain the benefits and compensation which you are entitled to by law.

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