If you’ve been injured because of the negligent actions of another person, it’s your right to file a claim with that person’s insurance to get your injury costs compensated. Many people don’t have the extra funds to cover medical bills associated with an emergency, and getting coverage from your own insurance could mean taking a hit with your rates. A personal injury claim can help ease this burden and pay the bills, but there are some unexpected things you should be aware of before filing.
- The Most Common Reason for a Claim Is a Car Accident
Car accidents make up the majority of personal injury claims, mainly because fault is often dealt out to a single driver. If the other driver was texting, being reckless on the road, not paying attention, or acting negligent in other ways, you can file a personal injury claim with their insurance. Just be aware that you must be able to provide evidence the other person was negligent and caused the accident, in which case you may want to reach out to a personal injury law firm Hillsborough County to make your case.
- Insurance Won’t Always Pay Up
While insurance companies may be there to help you in situations just like this, getting a settlement from them isn’t always easy. They may attempt to prove that you had something to do with the accident (and therefore wouldn’t need to pay your personal injury claim), or they may find a technicality that exempts them from their responsibilities. Make sure you have plenty of proof to make a solid case.
- Personal Injury Cases Don’t Include Property Damage
When you file a claim, you’re only filing to receive bodily injury damages and sometimes non-economic damages, like pain and suffering. Damages to any property, such as your car, require a separate claim under a different category.