Crash! You are in the wrong place at the wrong time, and through no fault of your own find yourself on the side of the road, injured, with a damaged vehicle, because some other driver was negligent. The experience is frightening, and you may be in pain and confused. Luckily, you find out that the negligent driver has insurance, and you are properly insured, so you figure the process of getting your car fixed and your medical bills taken care of will be fairly simple. I mean, that is what you pay the insurance company for, right? Unfortunately, today may be just the beginning of months, even years, of inconvenience and frustration.
Dealing with the Insurance Company
As a trial lawyer practicing for over 30 years, I’ve been surprised at how many people over the years are totally confused about what car insurance covers and how much insurance they should carry.
My parents recently asked me about the types and amount of coverage they should have and I’ll share with you the advice I gave them.