When it comes to vehicle insurance liability, there are a number of different ways that it can work in an accident lawsuit. It is important to understand how this works and to know when it may be beneficial to have a lawyer help you with your case.
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In most states, car insurance policies are designed to cover negligent actions. This means that if you cause an accident and are sued for the damages, your insurance company will be required to provide you with a lawyer. However, there are some exceptions to this rule, and you should always consult a lawyer before signing any kind of insurance policy.
The first and most common exception to the insurer’s duty to provide you with a lawyer occurs if you are accused of causing the accident intentionally. This can happen for a number of reasons but often involves alcohol or drug use.
This is why it is so important to make sure that you are truthful and honest with the police and other parties involved in an accident and to collect as much evidence as possible at the scene of the crash. You should also not be afraid to admit fault if the other party is telling you that they are at fault. This is because it can help to prove that you were not at fault.
Another way that vehicle insurance liability can affect your accident lawsuit is if the other party has underinsured driver coverage. This type of insurance protects the injured person if they are unable to get enough compensation from the at-fault driver.
If you have underinsured driver coverage, your insurance company will pay you up to a certain amount. This money can be used to pay for your medical bills, lost wages and other expenses that you might have incurred as a result of the car accident.
Alternatively, you can sue the at-fault driver directly under your own insurance. This is a process that can take time, so you should be aware of the deadlines for filing your claim and lawsuit before you decide to do so.
A third way that vehicle insurance liability can affect your accident litigation is if the other party has no fault or no liability. This can occur if they have no insurance at all, or if they are not carrying the minimum amount of coverage that is required by law in your state.
You should be aware that in these situations, your own insurance provider can still deny your claim if it is found to be valid. This is because it would be in their best interests to avoid paying a settlement for an amount that is less than the actual value of your injuries and damages.
Finally, it is important to remember that if the other party does not file a lawsuit within a certain timeframe, your insurance company may not be obligated to provide you with a lawyer. This is known as the statute of limitations.