Auto Accident Frequently Asked Questions
- Should I provide a statement to an insurance company without a lawyer’s help?
- Will I have to go to trial to recover damages?
- What is considered “pain and suffering?”
- Can the insurance company refuse to pay my medical bills if my car was not damaged?
- The insurance company has offered me far less for my vehicle than what I owe on it. I thought they had to at least pay off my loan.
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It is in your best interests to provide only your contact information to an insurance company until you consult with a lawyer. The more significant your injuries, the more imperative it becomes to seek legal counsel before providing any statement.
About 95 percent of personal injury cases filed settles prior to trial.
Pain and suffering includes harm caused by physical injury and mental anguish experienced through avoiding activities you engaged in prior to your accident and the potential of surgery.
No. While the insurance company may try to draw a direct correlation between damage done to your car and the severity of your personal injury, it is possible that the body sustains damage even if the car did not. The reverse may also be true — a car might experience major impact, but the people might only suffer minor cuts and bruises.
The insurance company has offered me far less for my vehicle than what I owe on it. I thought they had to at least pay off my loan.
Your insurance company is typically only required to pay the cash value of the vehicle. It does not have to pay your loan.