KNOW HOW MUCH AUTO INSURANCE YOU HAVE

Our car accident lawyers get calls every day from people injured in a crash. Most of the time, they call because they other driver was at fault. Naturally, they want to know their rights and what they need to do. Early in the conversation, we need to know how much insurance the caller has. Surprisingly, many people don’t know how much auto insurance they have. Fortunately, it’s pretty easy to find out. Just look at the front page of your policy.

The are several reasons you need to know who much auto insurance you have, even if the accident is not your fault. First, Minnesota is a “No-Fault” state. This means that your auto insurance pays your medical insurance no matter which driver is at fault. If you are driving a car you own, only your insurance can pay your initial medical bills. (Although, if the other driver is at fault, their insurance will pay for some items as well.)

WHAT IF THE OTHER CAR DOESN’T HAVE INSURANCE

If the other car doesn’t have insurance, you will have to rely on your insurance. Obviously, you will need to know who much insurance you have. To start, you will need to know if you have collision coverage. Many people refer to this as full coverage. Collision coverage will pay for the damage to your car if they other driver doesn’t have insurance. However, it is optional for you to have that insurance, so you need to find that out.

Also, if you are injured in the crash, your insurance will pay uninsured benefits if the other car was uninsured. Uninsured coverage pays for additional medical bills, pain and suffering, and other compensation. However, the amount they will pay depends on how much car insurance you purchased, so you will need to find that our.

CAR ACCIDENT LAWYERS

Call us if you were injured in an accident. Our car accident lawyers have more than 25 years’ experience helping hundreds of people throughout Minnesota. In fact, we have recovered many millions of dollars compensation to help with medical bills and more. Of course, the initial consultation is free. In addition, we never charge anything unless you receive compensation for your injuries.