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Decoding Your Car Insurance After An Accident

After a car accident that has resulted in personal injury or damage to property, you will need to deal with car insurance. While you may be considering the other driver’s car insurance, remember to also look at your insurance provider. Your insurance carrier may also provide coverage that is important to you. Here are the types of coverage which can be important after an accident:

1) Medical Coverage. If you have this coverage, the medical bills of yourself and some of your passengers may be covered. This is very important if you have sustained head injuries, spinal cord injuries, or other injuries as a result of the crash. This coverage is often for $1,000 to $2,000. However, you may be covered for a different amount, depending on your coverage.

2) Property damage. If you have this type of insurance, your insurance company will pay for repairs to your car, as long as your car can still be repaired. Some insurance providers also offer a rental car while your car is in the shop.

3) Uninsured Motorist Coverage and Underinsured Motorist Coverage. If you are in an accident with a driver who has no insurance or very little insurance, having this type of coverage is important. It ensures that you are covered for a specific amount for your injury and property damage.

4) Health Coverage. In addition to your car insurance, do not forget to take a look at your health insurance. You may be able to use this insurance to pay for medical costs. If you do not have health coverage or do not have adequate health coverage, you will want to hire a good Florida personal injury attorney if you have sustained an injury. Your attorney can seek out a settlement for you in the event that someone’s negligence or recklessness has caused the crash. Your attorney can also send a “letter of protection” to doctors and clinics, assuring them that medical costs will be paid after your settlement. This letter will ensure your credit rating does not suffer.

5) Compensation for Lost Wages, Pain and Suffering, Medical Bills, Mental Anguish, Disfiguring Scars and Permanent Physical Injury. Most insurance companies cover for these losses. If you have sustained a serious injury, such as a burn injury or spinal cord injury, you will want to seek compensation for these items. However, you will need to ensure that these losses are well documented. Visiting a doctor regularly and keeping evidence of your injuries in the form of photos and journals can be useful.