What You Should Know About Your Car Insurance.
PIP (Personal Injury Protection)
If You are Seriously Injured: Why You Need a Lawyer.
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Determining Who Is Responsible
A person who carelessly operates a vehicle may be required to pay any damages caused by that carelessness, either to the victims or to their property. Generally, people who operate automobiles must exercise "reasonable care under the circumstances." Failure to use reasonable care is the basis in most lawsuits for damages caused by an automobile accident. A lawsuit may be brought against:
A driver who hits an individual (who has automobile insurance), while the individual is a passenger in another vehicle or a pedestrian. A driver may also be liable for an accident caused by intentional conduct or reckless conduct. (A driver who is reckless is one who drives with willful and wanton disregard for the probability that the driving may cause an accident.)
Your insurance company will need information to grant you your personal injury protection benefits. Additionally, often your own insurance policy may cover an accident which did not even involve your vehicle. Attorneys are often necessary to get the highest possible compensation from your insurance company, or in the event another party is negligent.
After an accident, make sure to:
1. Exchange the following information with the other driver: name, address, telephone number, driver's license number, name of insurance company, and policy number.
2. Get the names of passengers, including their addresses and phone numbers.
3. Get the names of witnesses with addresses and phone numbers.
4. Get the names of the vehicle's owner, if not the driver, including address, phone number, insurance company, and policy number.
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