Montgomery, AL – Because car accidents are so common, drivers are essentially forced by laws in each state to purchase coverage. Most basic policies will only cover liability and bodily injuries that occur during the crash, but drivers can pay more to receive various other types of coverage when there is an accident. Because insurance policies typically will not cover all of the problems caused by a collision, a personal injury lawsuit is often a necessary part of the process for a victim to return to their normal life. 

Liability coverage

The primary reason why car insurance is required in every state is liability coverage. The driver will usually be covered for somewhere between $10,000 to $25,000 worth of losses tied to civil lawsuits if they are found to be at fault in an accident. This is done because it is rare that losses would be able to be paid through the driver’s own funds without insurance protection. 

Bodily injury

This is normally included with the required liability insurance and will cover losses for similar amounts. The insurance company will provide several thousand dollars per accident worth of money to cover medical treatment for injuries when necessary. Alabama law requires all policies sold in the state to have up to $25,000 worth of bodily injury coverage per person, or up to $50,000 total per accident. 

Collision insurance on vehicles

While not required by law unless a vehicle is subject to a loan or lien, collision insurance will help the car owner pay for damage to their car’s body. The owner may have to pay a deductible of several hundred dollars before the insurance company will start to cover these kinds of losses. Depending on the owner’s situation, this can be an effective way to avoid large costs associated with sudden vehicle repairs. 

Injury lawsuits

When someone is involved in a serious collision, it is unlikely that auto insurance coverage will pay for things like medical treatment, recovery, and lost wages that can easily run into the thousands or millions of dollars. Contacting a local firm and filing a lawsuit against the person or business responsible is often the best way to get help paying for these astronomical costs. The attorney will file a civil negligence case which states that the party at fault breached the standard duty of care on the roads and caused losses to the victim. Most cases tend to settle without going through a full jury trial with the presentation of evidence and witness testimony. 

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