Auto accidents can lead to life-altering injuries and destroy vehicles. After the accident, the victims must report it to get an accident report. All parties that were injured in the accident may have a right to seek compensation if they didn’t play a role in causing the accident. If the at-fault driver doesn’t have insurance, they will need to start a legal claim.

The Current Insurance Requirements

Under car accident law, the first attempt to get compensation for the victim’s expenses is to file an insurance claim through the at-fault driver’s insurance carrier. The current laws require all drivers to have an insurance policy that provides $25,000 in bodily injuries for each person with a maximum of $50,000 for the entire accident. It must also offer at least $25,000 for property damage incurred during the accident. If the at-fault driver doesn’t have insurance, the only option to collect is to file a civil lawsuit against them.

What To Do After An Accident

After an auto accident, it is necessary to contact law enforcement to get an investigation into what happened. The officers will question all the parties involved in the accident and pinpoint the at-fault driver. They create an accident report that defines what happened, who cause the accident, and all parties involved. The drivers must send a copy of the report to all their insurance carriers, and the victim can use the accident report as evidence in their civil claim.

What You Need for An Accident Claim

For the accident claim, the victim needs all medical records that detail their injuries sustained in the accident. The records will show how severe their injuries are. Next, they need invoices from their doctors to show the exact cost of all medical treatments. If they have ongoing requirements for their injuries, the doctor can provide an estimate of the costs. If they lost wages, they will need statements from their employer to show exactly how much they have lost while recovering.

They will need to get at least three estimates for their auto repair costs. The court will want to review the estimates before they award any money for these expenses. The repair costs must be for the damage caused in the accident, and it cannot be for any other damage. The court will require pictures of the auto damage, too.

What You Get If You Win

If the victim wins their case, they will receive compensation for their economic losses. This means they get an award that covers all their medical costs, auto repair costs, and replaces any wages they may have lost while recovering from their injuries. If the victim sustains a permanent disability or condition, the court may provide some tort-based awards for pain and suffering or mental anguish.

Auto accidents can produce serious injuries that could alter the victim’s life dramatically. After an accident, the victim must report the accident to law enforcement, and they must get evidence to show that they were injured. Victims of auto accidents can learn more about the cases by contacting an attorney now.