Car Insurance for Accidents
Automobile accidents are one of the leading causes of fatalities in the United States. According to the U.S. Census Bureau, there were 10.8 million motor vehicle accidents in 2009 and 35,900 motor vehicle deaths. Sadly, car accidents occur far too often and for a variety of reasons, including driver error, reckless driving, and driving while under the influence of drugs or alcohol.
Having car insurance helps to cushion the blow of the expenses incurred from being involved in an auto accident. An insurance policy provides varying levels of accident cost coverage depending on the kind of policy you purchase. According to Habush Habush & Rottier S.C. ®, policies vary depending on the specific driver’s needs. For example, SR-22 insurance is necessary for drivers who are considered to be “high-risk,” and have been cited for driving without insurance or have had their license suspended or revoked. Bodily injury liability insurance is available in circumstances where a driver is likely to injure or kill another person with their vehicle, and motorcycle insurance is available for drivers who use a motorcycle as a form of transportation.
After a car accident, insured drivers who uphold policy rules and payment should receive compensation for their covered accident expenses. Legal action may be warranted if insurance companies do not uphold their responsibility to provide the coverage they have promised their customers. Bad faith suits may result from insurance company failures in cases including:
- Late or unreasonably delayed payment
- Failure to pay for legal representation
- Unreasonable coverage denial
- Failure to investigate
Since obtaining the proper coverage in the event of an accident can become a feat, it may be beneficial to contact a knowledgeable attorney who can help you to understand your policy and what compensation you may be entitled to.