Negligence Personal Injury Lawyer
What types of insurance are important in a personal injury case?
The types of insurance coverage that may be available in a personal injury claim can vary depending on what type of claim being pursued. Nevertheless, having insurance versus no insurance can have a major impact on the case, it’s complexity, and the potential outcomes.
For a consultation with a negligence personal injury lawyer, call Okun, Oddo & Babat, P.C. now. In the meantime, the following information will provide a brief overview.
In general both auto accidents and premise liability claims have the same, or similar, rules for establishing liability. However, the case factors can be very different; therefore, significantly changing the outcome of the claim.
In many cases, there is no insurance available because the liable party was uninsured. Or, the opposition can prove beyond a preponderance that the plaintiff, or person who filed the claim, is actually 100% liable. Similarly, work injury claims can be complex and limited. Furthermore, they tend to be vigorously defended by the employers’ insurance company. Without a negligence personal injury lawyer, it is possible to be denied anything, or be offered an amount that is much less than you need to recover. The point is that the type of insurance available in a claim can impact your case.
Common Types of Insurance in Personal Injury Claims
There are two common forms of auto insurance: first-party insurance, or no-fault insurance, and third-party insurance. The person who purchases the policy is the first party. The insurance company is the second party and the third party is the person who was negligent. If you are in a no-fault state, you will be responsible for filing a claim against your own insurance company. It is very important to know what type and amount of insurance coverage is available. You can review this in the declaration page of the insurance policy or contact the insurance company. Your negligence personal injury lawyer can also explain the type of insurance you have.
Underinsured and Uninsured Coverage
No matter what state you live in, you should have Underinsured/Uninsured Motorist (UIM) coverage. This will cover a gap in benefits or when you’re involved in an accident and the third party is uninsured.
Nearly all businesses should carry liability insurance. This type of insurance generally covers premise liability accidents such as slip and falls. These types of claims could be complicated depending on how cooperative the business owner and their insurance company wants to be. If liability is in anyway unclear, there is a chance that the insurance company will be reluctant in cooperating; you should have a negligence personal injury lawyer on your side.
Homeowners insurance is not just for fires, flooding, and other catastrophic events. This insurance also covers any injuries to guests that have been invited onto the premises. Examples of injuries may include a slip and fall accident, animal bite, slip and fall, or an injury to a contractor who was working at your home.
Workers’ Compensation Insurance
All states have their own laws and rules pertaining to workers compensation. In general, any company with more than five employees will be required to have this insurance. These benefits are typically paid to an employee who was injured while working, regardless of whether or not they were at fault. This insurance may cover a certain amount of your salary, medical care, and related out of pocket expenses.
There are many other types of insurance including medical malpractice insurance, boat insurance, and ATV insurance. If you’re going to pursue any type of injury claim, you should consult a negligence personal injury lawyer for further advice.
If you have been injured in an accident caused by another party, contact a negligence personal injury lawyer from Okun, Oddo & Babat, P.C. for a free case evaluation and find out how our legal team can help.