After a car accident, it can be a relief to find out that the driver that hit you has insurance. While you might think that is one less thing to worry about, it's not that simple. Insurers only cover certain damages, and they may be reluctant to cover many things. Read on to find out how an auto accident attorney can get an insurer to cover your damages after an accident.
Problems with Coverage
You may expect the other driver's insurer to pay for your wrecked vehicle, but insurers are not in a hurry to get you back on the road again. If the accident left you temporarily with no transportation, you may be covered by the other driver's rental car coverage. However, being paid for that form of damage can be difficult.
You might experience delays with the insurer even if they agree to pay for things like your medical expenses. Often, the billing department for medical facilities does not know who they should bill after an accident. They may have your insurance on file and bill against your health insurer even when you informed them of the accident. When that happens, you are sure to be billed for any deductibles and co-pays as well.
Though insurers, theoretically, cover vehicle damage and medical expenses, there is more they don't cover at all. Accident victims will inevitably miss time from work, and few can afford to go without their regular income for long. Unfortunately, many insurers don't cover lost wages. When they cover that form of damage, it can take them months to finally reimburse you for the lost income.
Medical expenses, your vehicle, and lost wages, however, are all small change compared to the biggest form of damage that insurers don't automatically cover. Pain and suffering is a category of accident damage that may only be available to those that take legal action against the insurer. This is a big, valuable category of compensation.
Pain and Suffering
This form of damage is often based on the severity of your physical injuries. If you have been hurt badly because of a careless driver, you may be paid several times the dollar amount of your medical bills. However, even if you have only a few thousand dollars in medical bills, your attorney can compile evidence that proves that you need to be paid for your pain and suffering.
To get the insurer moving on the things they are supposed to cover and to get paid for the other forms of damage, speak to an auto accident attorney about your case. They will negotiate with the insurer to get you paid for your medical expenses, lost wages, vehicle replacement or repair, and your pain and suffering.
For more information, contact an auto accident attorney.