Attorneys Can Help Find Insurance Coverage
In most serious injury or death cases in the USA, insurance companies compensate victims and their families for the losses suffered. There are two reasons for this. First, most Americans don’t have tens of thousands or hundreds of thousands of dollars available to properly compensate others when their actions cause significant harm. Second, the American justice system was set-up and remains one in which the larger community is thought to be best able to share the heavy burdens of catastrophic loss. In short, insurance money is a critical part of our system of justice.
But what if the person responsible for your car accident injury doesn’t have insurance? What if you were injured in an apartment for which the lessee doesn’t carry renter’s insurance? What if your employer failed to keep their workers’ compensation insurance policy current?
There are many situations where the availability of insurance proceeds is nonexistent… or at least appears so initially. And this is where a skilled personal injury attorney can play a critical role in the financial recovery for his or her clients. The existence of an applicable insurance policy can be very difficult to determine, especially for the untrained injury victim or family. In addition, the amount of coverage and qualifying terms and conditions are often in dispute. An experienced accident lawyer understands both the need to investigate all potential opportunities and avenues of financial recovery, as well as the process for determining what insurance may or may not apply in a given situation.
Below are some of the common and not-so-common insurance coverages that may help compensate an injury victim after a tragic event:
- Automobile insurance
- Uninsured or underinsured motorist coverage
- Med-Pay coverage
- Umbrella policies
- Homeowners Insurance
- Business Insurance
- Workers’ Compensation Insurance
- Malpractice Insurance
- Renters Insurance
- Special Event Insurance
- Rental Car Insurance
- Travel Insurance
- Credit Card Insurance
- Life Insurance
- Accidental Death and Dismemberment Insurance
- Dangerous Animal or Exotic Pet Insurance
There is one last point worth making about insurance coverage and accidents. Often times, we see family members who are injured due to the unintentional actions or negligence of their own loved ones. For example, maybe a family member’s dog bit you or caused you to fall, resulting in serious injuries. It may feel “wrong” to take legal action against that family member or friend, and you may worry about the long-term impact of doing so on your relationship. Please keep in mind that insurance is designed to compensate the injured in just these types of situations. It’s why your loved one pays premiums each month or year. You’re not being malicious when you pursue opportunities for compensation that will help you recover physically and financially, and a skilled attorney can help you navigate this process and protect your relationship with those you care about.
If you have been injured by another person or business, contact our office today at 404-496-7674 for your free consultation. All information is kept strictly confidential, even you decide not to hire us for representation