What If I Cant Find A Company That Will Sell Me A Policy
If you cant find a company willing to sell you a policy, you can get basic coverage through the Texas Automobile Insurance Plan Association . You can get TAIPA coverage if two insurance companies have turned you down.
TAIPA sells liability, personal injury protection, and uninsured/underinsured motorist coverages. It doesnt sell collision or comprehensive coverage or higher liability limits than state law requires.
TAIPA coverage is more expensive than coverage from other insurance companies. TAIPA also charges more if youve had tickets or accidents than other companies.
If you have TAIPA coverage and havent had any tickets or accidents for a year, your rates might go down. If you dont have any tickets or accidents for three years, your insurance company must offer you a cheaper policy outside of TAIPA.
To get TAIPA coverage, talk to your agent.
How Much Bodily Injury Liability Insurance Do I Need
Depending on where you live, your state may have a minimum liability coverage requirement that you will need to prove you meet when you register your vehicle. Even if you meet your state requirements, you may want to consider opting for even more coverage to protect yourself and your assets financially.
What If The Insurance Company Is Not Paying My Bills
Insurance companieseven your ownmay attempt to minimize their own liability. One way an insurer can do this is by denying claims. An insurer may assert that you do not need further treatment or that your medical bills are excessive.
Our firm can help you with your claim and, if necessary, file a lawsuit to compel an insurance company to pay.
What Types Of Auto Insurance Do I Need If Im A Delivery Driver
Its a good idea to check with your auto insurance company if you make deliveries, such as restaurant takeout meals, groceries or other goods. Thats because using your vehicle to make deliveries is considered business use, not personal. You might need to buy a commercial auto insurance policy if you use your car for work.
How Does Auto Insurance Cover Car Accident Injury Bills
Here’s how your auto insurance coverages might work to cover your injury costs, depending on your state laws and which coverages you have:
- Medical payments coverage: MedPay can help pay for your and your passengers’ car accident medical expenses, regardless of fault.
- Personal injury protection coverage: PIP can help pay for your and your passengers’ medical expenses and lost wages resulting from a car accident, regardless of fault.
- Other at-fault party’s liability coverage: If the other party is at fault, their liability coverage can help pay for your and your passengers’ medical expenses and your vehicle’s damages.
- Uninsured/underinsured motorist coverage: If the other party is at fault but doesn’t have enough liability coverage to cover your damages, UM/UIM can help pay for your and your passengers’ injuries and your vehicle’s damages.
If you suffer an injury in a car accident, contact your insurer as soon as possible to start a claim and discuss how your auto insurance coverages can apply.
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Adding Or Adjusting Your Pip Coverage
Contact your insurance company to adjust your PIP coverage.
Learn more about personal injury protection
What are medical payments coverage and personal injury protection in a car insurance policy?
Medical payments coverage can help with medical expenses associated with an auto accident for you, your passengers and any family members driving the insured vehicle at the time of the accident no matter who is at fault. It typically covers doctor visits, hospital stays, surgery, X-rays and other medical bills.
Medical payments coverage can also help cover medical expenses if you or a family member are injured in another car or as a pedestrian. Even if you have health insurance, medical payments coverage can help cover your co-pays, and it can extend to your passengers, while your health insurance may not.
Another type of coverage that can help if you’re injured in a car accident is Personal Injury Protection, or PIP. Although it’s not available everywhere, it is required in some states.
PIP typically covers medical costs, similar to those covered by medical payments coverage. Your health insurance has deductibles and limits, and PIP can help you cover these deductibles or expenses that exceed the limits.
Have questions about how to protect yourself? Contact your local Allstate agent today.
When You Get Your New Policy Review It
Make sure the information is correct and the coverage is what you bought. Contact the company right away if you find an error. Send changes to your agent, broker, and/or insurance company in writing and keep a copy. Do not be afraid to contact the insurance company directly to make sure that your agent or broker has requested the coverage you wanted. Use “certified mail/return receipt requested” to make sure that your letter was received.
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Insurance For Passengers By Coverage Type
|Pays up front for your treatment||May have deductibles and copays|
If your injuries are covered by more than one policy, the rules about which insurance pays first can be complicated, and they vary from state to state. So its a good idea to contact the auto insurance companies for any driver involved in the accident and notify them you have been injured in an accident involving their customer. Let each insurer know about the other insurance companies you are contacting, because if more than one insurer will be paying part of your costs, it will ultimately be sorted out by the insurance companies in a process called subrogation.
What Is Pip Insurance Coverage
PIP, or personal injury protection, is the part of your policy that covers your injuries and those to your passengers in an auto accident if no one is at fault, or if you live in a no-fault state. PIP covers direct costs as a result of the accident, such as medical expenses, lost wages and death benefits. It covers you if you are a passenger in a crash as well.
Every coverage weve discussed up to this point has been in case someone has caused an accident, or is at fault. What if no one is at fault, or you live in a no-fault state? This is where PIP comes in.
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Make Sure To Carry Adequate Insurance Of Your Own
If you dont drive, you dont necessarily need to depend on other peoples insurance to keep you safe. Getting your own health insurance will protect you any time you need medical care, and under the Affordable Care Act, there are many new options for insurance, including low-cost coverage for people with modest incomes. You can learn more at healthcare.gov. If you do have your own auto policy, look into adding PIP or MedPay coverage, which will protect you even when youre in someone elses car.
Making An Insurance Claim Against Someone Else
If someone else crashes into you, in the simplest scenario youâll make a claim against their liability insurance. This is called a third-party claim: Youâre the third party to the other driver and their insurance company.
The other personâs insurer will process the claim, but donât count on a quick payment. The insurer might want to investigate the accident to determine that their customer truly was at fault.
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Contact Us At The Law Offices Of Anidjar & Levine For More Information
What the insurance company pays after your accident depends on your situation. While insurance may cover the damage to your vehicle, if you suffered serious harm, insurance may not fully cover those expenses.
For more information about your legal options, work with the Law Offices of Anidjar & Levine. We offer free case reviews and can start championing your rights now.
We want to put our knowledge, experience, and resources to work for you.
What Is Medpay On Auto Insurance
Like PIP, medical payments coverage, also called MedPay, is a separate type of coverage that applies to you no matter who is at fault in an auto accident. MedPay covers medical and funeral expenses if you sustained injuries in an accident in your car, in someone elses car or if youre hit by a car as a pedestrian.
While MedPay is similar to PIP, PIP generally has a broader scope of coverage than MedPay. PIP covers loss of income and can extend to psychiatric and rehabilitation costs after an accident, while MedPay usually doesnt. In states where PIP is not available or required, MedPay is a viable option.
It is important to note that MedPay should not replace health insurance or liability insurance it is supplemental.
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More About Geico Car Insurance
Geico sells insurance for cars, motorcycles and classic cars. For those who enjoy a little more adventure, Geico also sells insurance for RVs, ATVs and boats.
Optional coverage types for auto insurance includes emergency road service, rental reimbursement and mechanical breakdown insurance.
If youre concerned about a rate increase after an accident, Geico offers accident forgiveness insurance, which you can pay to add to your policy or earn by maintaining a clean driving record. Geico will waive the first at-fault accident caused by an eligible driver listed on your policy.
Geico also sells Mexico auto insurance if you plan to drive south of the border.
How Is Bodily Injury Liability Coverage Different From Property Damage Liability Coverage
Liability coverage has two components: bodily injury liability and property damage liability. Both coverages are required by law in most states.
- Property damage liability coverage helps pay for damage you cause to another person’s vehicle or property. For example, if you hit someone else’s car, mailbox or front porch with your car, property damage liability coverage may help pay to repair their property. And, like bodily injury liability, most states require you to carry a minimum limit of property damage liability coverage.
- Bodily injury liability coverage helps pay for another person’s expenses if you injure them in a car accident. Remember, this type of coverage typically helps cover someone else’s medical bills.
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Why Rehabilitation Costs Become Complicated
In a perfect situation, you have straightforward medical and rehabilitation expenses. Your insurer agrees to cover all of these expenses, and your rehabilitation costs are within the limits of your policy. Your insurer does not dispute any charges, and you are perfectly whole again after your physical therapy.
Unfortunately, car accident injuries can quickly become complicated.
Some of the things that can complicate a car insurance claim include:
Significant Injuries, Maiming, Disfigurement, and Amputations: Car accidents can change your life. A car accident can leave you with significant injuries. You could lose limbs. You might require lifelong therapy or care. After an accident, car insurance companies may need to put a price on something thats hard to quantify like the lifelong cost of rehabilitating someone who lost both legs in a car accident.
Undiscovered Injuries: You might feel fine in the weeks following an accident, then discover serious injuries at a later date. Back and neck injuries may not become apparent for weeks after the accident, for example.
Indefinite Therapy: Some car accidents require just a few weeks of physical therapy before youre back to 100%. Other car accidents could require months, years, or decades of physical therapy. Some injuries never go away. All of these factors can complicate an auto insurance claim for rehabilitation costs.
What Happens When A Vehicles Damages Exceed Its Total Value
Some vehicles sustain so much damage that repair costs exceed the vehicles worth. You wont know if this applies to you until after the insurance company has examined the damages to the car.
About half of all states allow insurance companies to use the Total Loss Threshold to determine if a car is a total loss. Generally, if the repairs exceed 50 to 75 percent of the value of the vehicle, the insurance company will deem it a total loss.
Other states use the Total Loss Formula . With this method, the insurance company adds the repair costs to its salvage costs. If that number exceeds the Actual Cash Value of the car at the time of the accident, it will be a total loss.
If your car is a total loss, you have two options. The first is to surrender your vehicle to the auto insurance company in exchange for the amount that they say your car is worth. You can use the money to purchase a new vehicle, and the insurance company will sell your damaged car to a salvage yard.
The second option is to keep your car and pay for the repairs yourself. The insurance company will pay you its ACV and the amount your car could have been salvaged for.
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$33k Car Accident Injury Settlement
On July 30, 2018, Shankeva was a passenger in her boyfriends car.
They were stopped at a red light in Holly Hill, Florida.
In the diagram below, Shankeva was in V3.
Terry was driving vehicle 1. Terry crashed head on into vehicle 2. Vehicle 2 then hit Vehicle 3.
Paramedics arrived at the scene.
You can see them taking Shankeva out of the car.
Below, is a photo showing the damage to the car within which Shankeva was a passenger.
The front of the car was wrecked.
You can see this was a heavy impact accident.
Here is a photo of Shankeva on a stretcher:
An ambulance took her to the hospital.
At the hospital, doctors took x-rays, a CT scan and a MRI of her hip.
The x-ray showed an acetabular fracture. Here is what the acetabulum looks like:
Since she had this fracture, they had her stay at the hospital.
They gave her a room.
While at the hospital, someone took a photo of her:
After she was released from the hospital, she had to use a walker to get around.
Here is a photo of Shankeva using a walker:
Ultimately, she made a great physical recovery. She was able to walk without needing any devices.
Shopping For Auto Insurance
Auto insurance costs and coverage vary. You should always get several quotes. A quote is an estimate of your premium amount.
An agent or broker can help you figure out your insurance needs, get quotes, compare policies, and get the best discounts. Keep notes of your conversations. If you want, have a trusted family member or friend with you.
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What Is Personal Injury Protection In Car Insurance
According to the National Highway Traffic Safety Administration , 2,740,000 people were injured in 6.7 million car accidents in 2019. Regardless of who is at fault, drivers and vehicle owners must look for ways to protect themselves, their passengers, and the people on the road especially since medical costs and disability expenses are rising.
One of the ways you could consider is adding personal injury protection to your car insurance coverage.
PIP is an extension of car insurance that covers medical expenses and, in some cases, lost wages and other damages. PIP insurance is sometimes known as no-fault insurance because it pays benefits regardless of who caused the accident. With it, policyholders, their lawyers, and the people involved can simplify the process of finding out who is responsible for paying for everything.
Depending on your state, PIP coverage may be required in your insurance policy. In other states, it is still available as an option, but it may not be required.
What Else Should I Know About Bodily Injury Liability Coverage
- Most states require a minimum amount for this coverage
- Bodily injury liability policies have limits that are the maximum amounts your insurance company will pay in the event of an accident
- You can choose higher limits for more protection
- Youll be covered for 2 different amounts: one if only one person is injured and another if multiple people are injured
- You can purchase umbrella insurance for an additional cost if you want even more coverage
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If Insurance Wont Pay Any Of My Medical Bills What Are My Legal Options
While it can be demoralizing to realize that your medical expenses may not be covered by any insurance, there are still legal options available to you. Even if a driver at fault did not have insurance, you can file a personal injury lawsuit to recover damages of all types, including medical care and lost income from work.
A lawsuit can also be an effective way to force the insurers of negligent drivers to pay rightful claims, since they are now exposed to the risk of a court judgment. An attorney can help you negotiate settlement amounts with insurers, and will demonstrate your seriousness in seeking recovery for your injuries. You dont need to allow a negligent driver to escape responsibility for your injuries, and if you have questions about how to pursue compensation please contact us for a consultation.
Deductibles And Dollar Limits
You must meet a deductible for some types of claims.
You must pay a deductible for collision, comprehensive, and uninsured/underinsured motorist claims. A deductible is the amount of a claim that you must pay yourself. For instance, if you have a $1,500 collision claim and your policy has a $500 collision deductible, the insurance company will deduct $500 from your claim amount and pay you $1,000. You dont have to pay a deductible for claims against another drivers insurance company.
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Some coverages pay only up to the policys dollar limits.
Liability, personal injury protection, uninsured/underinsured motorist, towing and labor, and rental coverages have dollar limits. This is the most the company will pay, even if the cost is higher. If you dont have enough coverage, youll have to pay the difference yourself. Collision and comprehensive coverages dont have dollar limits.
The first page of your policy is the declaration page. It has a summary of your policy, including your coverages, dollar limits, and deductibles.
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