If you have been seriously injured in a car crash, you may be entitled to receive compensation from the at-fault driver. However, it is not cut and dried as to who is liable for your injuries in some cases. If you’re wondering if the other driver is responsible for your injuries, this article will help you understand who may be liable for your accident-related damages.
Third-party Claim Against the At-Fault Driver
A third-party claim is a liability claim where you can receive compensation for damages that the at-fault driver is not liable for. A third-party claim is good when insurance doesn’t cover medical bills, mental anguish, and lost wages.
Several car accident lawyers have experience dealing with this type of claim. A third-party insurance claim, sometimes known as a liability claim, is a process in which you claim another driver with insurance is at fault in a car accident.
A third-party claim filed by firms like Dressler Law can help you pay for the expenses that the other driver can’t pay, including medical bills, rental car, and lost wages. The process varies depending on your state, the other driver’s insurance coverage, and whether you were at fault.
Insurance Coverage for Property Damage and Bodily Injury
You should have both liability and property damage insurance. Bodily injury liability pays for injuries resulting from a car accident. Nearly all states require this type of insurance. However, consumers can purchase additional coverage if they wish.
The limit on property damage liability is the amount of compensation you can receive for damages to other people’s property, so it’s crucial to know that limit. Property damage and bodily injury liability coverage limits are different.
In addition, bodily injury claims are typically more costly than property damage. The higher the limit, the better. Combined limits are also available, covering the same amount for property damage and bodily injury.
There are many exceptions to car accident liability, but not all of them are covered by insurance. Many insurance companies have clauses in their policies that exclude certain types of insurance. They may only cover the driver living in the same household as you, or they might not cover any of the other drivers.
But even if you’re covered for accident costs, you might not be able to collect damages unless the other driver was at fault. You can claim compensation from the at-fault driver’s insurance company in such a case.
Hopefully, you’ll never be in a car accident. But should the worst happen, and you suddenly face liability for causing someone else’s injuries, this guide hopefully will shed light on how to get compensation from the insurance provider of the person responsible for your injuries.
Author information: Lizzie Weakley is a freelance writer from Columbus, Ohio. In her free time, she enjoys the outdoors and walks in the park with her husky, Snowball.