Your Personal Injury Insurance Coverage Is Minimal - What Do You Do?

One problem that victims of a Las Vegas Auto Accident face is where the injury was caused by someone with low insurance coverage or no insurance at all! Different states require different minimum amounts of coverage for bodily injury or property damage. But even when that minimum amount has been purchased, people who are injured often have bills that far exceed that amount.

Set aside the fact that this injury is a life-changing event. Now if the insurance coverage to help pay for the financial aspects of this is inadequate, that only compounds this negative situation. That is where a professional and experienced attorney will help their injured clients.

What coverage is available right now? This is very important and should be the first thing to consider. What coverage is there to start with? There are some insurance companies that refuse to talk about the amount of coverage they have. They might, however, give out this information to a qualified attorney. Once this has been accomplished, we then calculate the amount of coverage for the defendant so bills can be payed immediately. Is there any other coverage out there? Are there any other possibilities? If the victim of an auto accident is driving another person's car, then the owner of the car will receive coverage for it. Is the vehicle a company car? If this is the case, there's a possibility that there is a primary policy and maybe an umbrella policy that can be pursued.

Was there anyone else involved in the accident? It is important to look for all the possibilities. Sometimes someone else can be partially at fault for an accident, and their insurance policies can be involved. While not the easiest thing in the world to identify, if your client is to be compensated for above the minimum coverage amounts, all avenues must be explored.

Does the defendant have any other assets? Just because the defendant has low insurance coverage, doesn't mean they're off the hook. By using their non-insurance related assets, they can be forced to pay for damages. However, suing for personal assets can be very difficult unless the individual is wealthy.

Once you have determined the total coverage that is available to you, as well as other resources that you can use for compensation, your lawyer will negotiate exactly how these funds will be used. Usually, multiple injured people will take part in these negotiations to arrange a method in which these funds are distributed among the damaged parties.

Insurance companies might also wish to be compensated, also. If they think they can benefit from also recovering for damages, they are free to attempt it. This process requires that you have a skillful lawyer to negotiate for you. It's tremendously difficult to manage all of the crucial issues yourself, especially if you are coping with injuries also. To perform these legal tasks during your recovery can be a herculean task. Finding an injury lawyer with a lot of experience and knowledge of how the system works is a crucial step to emerging from this process with what you deserve.

About the Author

Finding a good Accidentlawyer Las Vegas Attorney can be difficult. Author, Anthony Flores helps attorneys with their search engine marketing and helps them get clients when they search for an Probate Las Vegas. You can reach Mr. Flores for a free consultation at http://www.attorneymarketingnow.com

Source: GoArticles.com