The days and weeks following an auto accident can be stressful for victims and families. You and your loved ones may be facing a long road to recovery and the stress of new expenses and bills. The law offers auto accident victims and families certain protections under the law, including the right to seek a recovery to pay for lost wages, medical expenses, and pain and suffering damages. If you or a loved one has been injured, visit Hayes Law Firm Upstate Attorneys, LLC to learn more.
One of the big steps you’ll take after an accident is getting in touch with your auto insurance. Auto accident survivors may not always be aware of their rights when dealing with auto insurance companies. Here are 6 auto insurance myths you should know if you’ve been in a crash in Greenville, South Carolina.
- You don’t have to divulge information on the phone. Insurance adjusters may pressure you to make statements over the phone and provide details about the crash. You are not required to provide details over the phone. You can tell adjusters that an accident has occurred and that you would prefer to communicate by mail. While this could make the process a little longer, it gives you time to think before you respond, and gives you the opportunity to share communications with your personal injury lawyer.
- Your insurance automatically covers damage to your car and bodily injury. According to NBC News, many policies only cover costs of damage to other people and cars when the accident is your fault. Other individuals policies will pay for damage to your car and bodily injury if the other driver was at fault. Only a few states require drivers to carry no fault auto insurance which covers drivers regardless of who was at fault for the accident.
- You are covered if you use your vehicle for business. If you use your car for work, you may need to take out separate insurance to cover your vehicle. This includes driving to deliver pizzas as well as driving for ride share companies.
- If you have insurance, you won’t have to pay out of pocket for damages. According to the Insurance Information Institute, state minimum policy amounts are seldom enough to cover all damages in an accident. If you are at fault for an accident, you may have to shoulder a big out-of-pocket bill. Experts suggest you carry at least $100,000 in bodily injury and $300,000 per accident.
- If another person drives my car, they can use their insurance to pay for damages. In most states, auto insurance is associated with the car and not the person. This means that if your friend crashes your car, you may face steeper premiums as a result of their mistake.
- Older cars need smaller policies. While your older car may not seem valuable enough to insure, remember that an older car that crashes into a new car may result in significant damages. If you hit a Porsche, you’ll wish you had higher limits.
If you’ve been in an auto accident and are struggling to get the recovery you believe you deserve, a personal injury lawyer may be able to assist you. Insurance adjusters may make low initial offers. The Hayes Law Firm Upstate Attorneys, LLC in Greenville SC prides itself on offering its clients compassionate and caring counsel.