After a car accident, when does your insurance kick in?
Everyone knows that when an accident happens, insurance comes into play. The question is, if the other party is at fault, when does their insurance kick in? Your insurance can be used in two stages in a car accident case.
- In the first stage, you may need to use it to fix your car. Even when the other party is at fault, your insurance company is given a reasonable amount of time to investigate the matter. This means you will need to use your insurance to get your car fixed quickly. But, rest assured that eventually your insurance will be paid by the at-fault party’s insurance and the deductible you pay should be reimbursed as well.
- You might also need your insurance in the end. What we call “Under Insured Motorist” coverage. Sometimes you might get into a situation where there is not enough money to cover all the damages. Most people have “Under Insured Motorist” coverage on their own auto insurance, which means your auto insurance has to step in and make sure they are properly covered in case the other side doesn’t have enough money.
Fighting insurance companies in car accident cases.
Some people have tried to handle the issue themselves. Usually they believe it will be relatively simple and they will have to get all their expenses taken care of by the at-fault party’s insurance. Unfortunately, it doesn’t always work that way. Insurance companies have entire divisions dedicated to “adjusting” your claim, so they don’t have to compensate you for your injuries or bills. This is because we always recommend hiring a good injury lawyer to help you properly from the beginning.
If you have any questions about this matter, feel free to contact Ace Law Group at 702-333-4223 and speak with one of our attorneys today.