Auto Insurance Coverage

Auto Insurance coverage provided by an insurance company is used to financially protect drivers when they’ve been involved in accidents. Coverage may apply to property, liability and medical expenses. Your insurance policy can be comprised of six different kinds of coverage, including:

• Bodily Injury (BI) – covers injuries to someone else that are caused by the policyholder or another driver in the policyholder’s vehicle
• Personal Injury Protection (PIP)- pays for medical treatment for the driver and passengers in the policyholder’s vehicle and can also involve payment for lost wages and funeral costs
• Property Damage (PD)- covers damages to the other persons property
• Collision- compensates the driver for damages to his vehicle caused by an auto accident; policies usually have a deductible
• Comprehensive- reimburses the policyholder for damages to vehicle not caused by a collision; policies usually have a deductible
• Uninsured Motorist (UM)- covers the policyholder or another driver in the policyholder’s vehicle when injured by an uninsured vehicle
• Underinsured Motorist (UIM)- coverage helps pay for the policyholder’s total loss when the other driver is at-fault, but doesn’t have enough insurance to cover the damages.

When you have been involved in an accident, it is important to remember that although your insurance policy is a legal contract, you have rights, and both you and the insurance companies have responsibilities and obligations to follow. Contact Jason D. Levy for aggressive representation to get the compensation you deserve if you have been injured in an auto accident.

THINGS TO DO AFTER AN AUTO ACCIDENT

1. Call 911 to report the accident. Obtain the police officers name, telephone number and a copy of the police report or incident number.
2. Obtain immediate medical assistance. It is imperative to determine what injuries you have sustained in the accident. Some injuries occur internally and can cause serious problems if not identified immediately. Some accidents result in long-term or permanent injuries with extensive future medical costs.
3. Write a detailed summary of the facts surrounding the accident to bring to your attorney, minor facts which may not seem relevant and may be forgotten may end up being extremely key to your case.
4. Save names, telephone numbers, license plate numbers, weather conditions, time and date, traffic conditions and the name of the insurance company and policy number of the persons involved.
5. Try and get telephone numbers and addresses of witnesses.
6. Take photos of the scene and damages to your vehicle, visible injuries and develop these immediately.
7. Keep records of everything having to do with the accident- days missed from work, medical bills, phone conversations, repair bills and even a written diary of how you feel and how your injuries have effected your daily life. Also include what you remember of the accident fresh after it happened.
8. DO NOT sign any release forms from insurance companies. This could not only potentially be a possible admission of guilt but it also could prevent you from filing any future claims pertaining to this accident. Do not speak with insurance reps- if they contact you, tell them you have an attorney and they should call them directly.