Accident Testimony

One of the most frequently asked questions we receive from clients is regarding how they should handle damage to their vehicle when they have been involved in a car accident. Typically, the at-fault insurance company should accept responsibility for paying for repairs for your vehicle or for paying the fair-market value of your car if it was totaled. See : Raleigh nc Car Accident Lawyer There are times, however, when the at-fault insurance company does not accept liability, leaving you to wonder how your vehicle will be repaired or replaced.

Collision coverage offers you a way to protect your vehicle when the at-fault insurance company has not accepted liability. While there are certain exclusions from coverage, collision insurance usually provides that when your vehicle is involved in an accident, your insurance company will pay the lesser of actual cash value of the damaged property or the amount necessary to repair or replace the property. The actual cash value of the vehicle is not the amount it would cost to replace it, but rather the car’s value after taking into consideration the depreciation and physical condition of the car at the time of the accident. Any payment made by your insurance company will be reduced by any deductible on the policy.

In the event that the damage to your vehicle was caused by the wrongful act of another person, your insurance company may be subrogated to the claim for relief against that at-fault party. Simply put, this means that your insurance company who paid for the property damage may be reimbursed by the at-fault insurance company to the extent of its payment to you for your vehicle. Likewise, you may also be reimbursed by the at-fault party for any deductible you paid.

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Drivers and passengers in cars have safety features in place such as airbags and seatbelts to protect them. Bikers typically have nothing but their clothing and a helmet between them and the pavement. Bikers are 300 percent more likely to sustain a motorcycle injury than someone inside of a car in a crash, according to the National Highway Traffic Safety Administration (NHTSA). Motorcycle injuries can be catastrophic, ranging from back injuries to paralysis or traumatic brain injuries.

Unfortunately, insurance companies often try to shift blame to the motorcycle rider, even when a driver is clearly at fault. In many cases, we hear about drivers who fail to “see” the motorcyclist. Motorcycles have a right to share the road with other vehicles. See Motorcycle Accident Lawyer Palmdale Failing to see the biker is simply negligence. The driver needs to be held responsible. At the Law Offices of Freeman & Freeman, we’re dedicated to our clients and pursuing the maximum compensation allowed under state law.

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