Even a minor car accident can leave you drowning in unpaid medical bills or expenses from your local auto body shop. Unfortunately, insurance companies are notorious for lowballing victims or denying valid claims altogether unless you're working with an auto accident attorney. If you've been in an automobile accident, it's important to understand what types of expenses you can get reimbursed for so that you can get the full compensation you are entitled to.
1) Medical Expenses
Any medical bills incurred as a result of the auto accident should be covered by the at-fault driver's insurance company. This includes ambulance rides, hospital stays, doctor's visits, x-rays, MRIs, and any other treatment deemed necessary by a medical professional. Even if you don't have insurance or your policy has a deductible, you should still submit your medical bills to the at-fault driver's insurance company.
Also, make sure you visit the doctor or hospital right away, even if you feel fine. You may have a medical condition that isn't obvious without imagining, such as whiplash, which can take days to appear.
2) Vehicular Damage
If the car accident was not your fault, the other driver's insurance company should reimburse you for any damage to your vehicle. This includes repairs as well as the diminished value of your car if it is totaled in the accident. If the other driver doesn't have insurance or if you are hit by a hit-and-run driver, your own car insurance policy should cover the damages, minus your deductible.
An auto accident lawyer can help make sure your insurance company cooperates if you're owed money. That way, you can get the funds you need to fix your car and get back on the road quickly.
3) Rental Cars or Public Transportation
If your car is damaged in the accident and needs to be repaired, you may need to rent a car or use public transportation in the meantime. These expenses should also be covered by the at-fault driver's insurance company. If you use your own car insurance policy, you may only be reimbursed for these expenses if you have rental car reimbursement coverage.
4) Lost Wages
If the car accident leaves you injured and unable to work, you may be able to get compensated for your lost wages. This includes both the wages you've already lost and any future wages you will lose as a result of your injuries.
5) Pain and Suffering
In addition to physical damages, car accidents can also cause emotional distress. This is often referred to as pain and suffering. You may be able to get compensated for pain and suffering if the car accident was caused by another driver's negligence.
Medical expenses, vehicular damage, rental cars or public transportation, lost wages, and pain and suffering are all valid claims that should be covered. If your insurance company or the at-fault driver's company aren't giving you the compensation you deserve, talk to an auto accident attorney today. A reputable car accident lawyer can help you get the reimbursement you deserve.