Every year, millions of Americans are involved in some type of auto accident. According to statistics, the average driver will file a car insurance claim once every 18 years. This means that you are likely to be involved in a car accident at least three or four times in your lifetime.
Luckily, the majority of car crashes that occur are minor accidents or fender benders. But that is not to say that they don’t cause damage. Furthermore, even if your accident doesn’t cause severe bodily injury, it can still be costly. Here are the types of claims you can file following your auto accident.
Claim For Medical Payments Coverage
Medical Payments coverage, or MedPay, is a type of auto insurance that you can purchase to cover your medical bills related to your car accident. Depending on the type of MedPay insurance that you have, this insurance may cover some or all of your medical bills. Typically, this type of insurance is considered “no fault” insurance because it will cover your bills no matter who was at fault for your accident. However, not all liability insurance comes with MedPay. You should review your insurance policy today to ascertain whether you carry MedPay so that you are protected in the event you are injured in an accident.
Claim For Property Damage
The most common type of insurance claim filed after an accident, you can file a property damage claim if your vehicle was damaged in your car accident. This claim will cover the costs of repairing your vehicle or replacing it in the event your car was totaled or a complete loss. Typically, when you file a property damage claim your insurance carrier will try to obtain the costs from the at-fault driver who caused your accident. The total amount of your property damage claim will depend on the degree of damage to your vehicle and the amount of insurance you and the other driver carry.
Claim For Bodily Injury
You can also file a claim for bodily injury if you were injured in an accident. Insurance coverage for bodily injury is meant to compensate the driver who was not at fault for the accident. Bodily injury insurance will not only cover medical bills associated with your accident, but may also compensate you for pain and suffering as well as the time you took off work to recover from your accident. Your personal injury attorney can help you pursue a bodily injury claim.
If you have been injured in a car accident or any other personal injury case, contact one of the dedicated associates at Murphy & Garner, LLC. We will fight for your rights and get you the compensation you deserve. Call us today for a free consultation at (678) 563-1584.