Your Car Insurance Policy In A Nutshell

Car Insurance PolicyPhoto Credit [Directinsurance, Flickr]


Following a car accident, both parties may be seeking for a best car accident lawyer in Los Angeles. Victims would start to question who would be paying for the damages and injuries they have incurred. Remember the rule of the thumb. You can't drive without an insurance. Your insurance is an essential next to your driver's license you couldn't drive without. Why? Car insurance enables the driver to pay for any damages or injuries brought from the accident. 

Do you know what your car insurance policy covers?


You can ask a friend or someone if they know anything about the insurance policy they purchased. Their answer – some would know what the policy covers, meanwhile, others don't. It is important to be wise in making decisions. Otherwise, you will end up paying from your own pocket whatever damages, repairs, and injuries you and the other party have incurred after meeting the accident. You wouldn't want that to happen. 


Common Car Insurance Policy Coverage Types


Bodily Injury Liability


Keep in mind that no cases are alike. It could be that both are road accident cases, but each is still distinctive from the other. Thus, it is better to be prepared when unexpected incidents occur. Bodily injury liability covers whenever the other party is injured or worse, killed from the accident. This is the reason an accident attorney in Los Angeles would investigate and prove the person at fault. Somebody has to be liable and be responsible for the results from the accident. Medical expenses, not to mention, damages the deceased person's family could claim are covered in this type of insurance policy.


Personal Injury Protection (PIP)


You or a friend may have this in their insurance policy, yet you do not understand what it covers. You could not help it, there are times whenever you incur injuries from the accident. All the medical expenses and any damages to the insured and his vehicle are covered in this type. 


Uninsured Motorist Coverage


Say when an uninsured motorist has caused the accident to happen. Whenever the insured and/or his passengers are injured or killed resulting from the accident, the insurance company will cover all the expenses. Moreover, in a hit-and-run case, your insurance company should take the responsibility to enable the insured to recover from the accident. This type of coverage is not limited to those injured insured victims where with the other party do not have enough money to pay for the recovery. In other words, in moments where underinsured parties causing the accident to happen, the insurance policy takes care of the insured victim to recover. 


Now that you have knowledge with regard to the insurance policy, some victims may choose not to hire an accident attorney in Los Angeles since they knew what to do. On the other hand, it would still be wise to have a lawyer by your side to be guided on each step until you have fully recovered. There are times when insurance companies are difficult to deal with as some deny on the claim. So, it would be best to know and understand your insurance policy and what it covers to avoid meeting any arguments in the future. 

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Personal Injury Accidents

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