Get Aggressive Representation
No matter what type of accident you were the victim of — a drunk, reckless or distracted driver of a car or truck — we offer the knowledgeable representation you need to go up against the insurance company.
Although our clients are most commonly drivers and passengers injured in motor vehicle accidents, we can also help if you were injured as a pedestrian (walking or running) or a bicyclist. The law protects you from negligent drivers and we have the experience and knowledge you need regardless of the circumstances.
The Insurance Company Is Not On Your Side
The insurance company’s objective is to get your claim settled quickly, for the least amount of money possible.
- But the insurance company is not going to tell you all of your legal rights, nor will they know or appreciate the true losses you have suffered.
- In addition to medical expenses and lost wages, your legal damages may include physical and emotional pain and suffering, disfigurement, diminished quality of life and a variety of future losses.
- Spouses are oftentimes entitled to separate compensation when their loved one is seriously injured in an accident. The bottom line is that you need someone on your side -someone who knows the law and is prepared to fight for your rights.
The Ugly Truth About Insurance Companies After a Car Accident
When you’re involved in an accident that wasn’t your fault, it can be hard to know how to proceed. You might just be focused on getting your car fixed, or you might want to make sure that the person who hit you pays for the damage they caused – whatever the reason, you don’t want to look back and think I wish I had done more after my accident because the reality is that insurance companies do not have your best interest at heart after a motor vehicle accident, so here’s what to do according to a lawyer.
What Is Deductible Underinsured Motorist Coverage?
If you were hit by an uninsured or underinsured driver, your own auto insurance company should pay for your damages — up to your policy limits — minus your deductible. But what is your deductible, and how does it work? Usually, the deductible is the amount of money that you have to pay before your car insurance company will start paying out on a claim. Deductibles are typically lower than $1000 and usually less than $500. For example, if you have collision coverage with a $250 deductible and comprehensive coverage with a $250 deductible, then in order to get full reimbursement from your insurer after an accident, you would need to file two claims: one for collision damage at $250 plus one for comprehensive damage at $250; this totals up to $500 of out-of-pocket expenses in addition to your premium payment each month.
What Do Insurance Limits Mean For You?
Most people are under the impression that their insurance company will cover any damages incurred in an accident. However, this is often not the case. Insurance companies typically have limits on how much they will pay out for certain types of damages, and they may not cover all of the damages incurred in an accident. This is why it is so important to understand your policy and what it covers before you get into an accident.
Should I Purchase Coverage?
You should always purchase at least the minimum amount of coverage required by your state. If you are involved in an accident, and you do not have insurance, you will be held responsible for any damages caused. In some states, if you cause an accident and do not have insurance, you may even be subject to criminal charges. The best way to protect yourself is to have adequate insurance coverage. If you cannot afford coverage, there are a few options available to you. You can purchase a policy with a high deductible, which will lower your monthly payments. You can also look into purchasing a policy through the government’s National Flood Insurance Program or the Federal Housing Administration’s Mortgage Insurance Program.
Can I Be Sued in Case of an Accident?
If you’ve been in an accident, you may be wondering if you can be sued. The answer is: maybe. If the other driver was at fault and caused you serious injuries, they may decide to sue you in order to recover damages. However, if you have good insurance, most likely your insurer will take care of everything for you. Still, it’s important to be aware of the possibility that you could be sued so that you can be prepared if it does happen.
If you have been in a motor vehicle accident, contact a lawyer today for help with your case!
We Will Tell Your Story
Every case is different and every loss is unique. At The Law Offices of Clayborne, Loos & Sabers LLP, we thoroughly investigate each case and pin-point who was negligent, who is liable and then we hold those at fault accountable. Most important, we will get to know you and how the injuries have affected your life.
With decades of experience in motor vehicle and motorcycle accidents we offer accurate and candid advice. We can help you decide when to negotiate and when to pursue your rights at trial. As seasoned attorneys we know how the insurance companies operate and how the personal injury legal system works. We bring our knowledge and skill to every case we work on.
Let Us Help You Recover
Don’t wait to get the professional guidance and help you need. We offer a free initial appointment so that we can hear your story and let you know how we can help. Give us a call in Rapid City at 605-721-1517. You can also contact us online if you prefer. We’re on your side and here to help.