insurance coverage depends on the type of policy you bought. There
are three types of coverage: collision, liability and medical.
Collision insurance pays for accident damage to your car, liability
covers injuries to others, and medical coverage pays for your
injuries in an accident. Most states require you to have a minimum
amount of coverage, and many only require liability insurance.
Between “At Fault” and “No Fault”
rules on accident responsibility are different. In no fault states,
it makes no difference who caused the auto accident; each person’s
insurer pays for that person’s damages. In at fault states, the
person responsible for the accident (and their insurer) pay for
damages to both parties.
the chance that you may be in an accident with someone who either
doesn’t have enough insurance, or has none at all. If you are hit
by an under- or uninsured driver, there are two ways you can get
motorist coverage-;Most companies offer this type of coverage. It
pays your damages if the at-fault party doesn’t have sufficient
fault-;In no-fault states, your insurer pays your damages even if
the other driver has no insurance. However, if your damages are in
excess of your coverage limit, you cannot make an additional
There are some
cases where your claim can be denied, even if you weren’t
responsible for the accident. If you don’t follow the claims
procedure or miss the reporting deadline, your insurer may deny
coverage. Also, if you fail to keep your car in the location
specified in your policy or make misleading statements when buying
coverage, your insurer may refuse to pay your claim.
If it will cost
more to repair your car than it’s worth, it’s considered a total
loss. You’ll be paid your car’s current value, and the vehicle
will be sold to a salvage yard. Insurers don’t have to pay you
enough to buy a new vehicle; they only have to give fair market
Insurers are in the business to make a profit, and they sometimes wrongly deny claims. If you are unfairly denied coverage, you may have to sue your insurance company, or the other driver. If you Find an Accident Attorney In Orange CA you can simplify the process and deal with your insurer while complying with state law, Rawlins Law APC.