Injury in a car accident (insurance help)?
I was in a car accident exactly 4 months ago and I was wondering if I will be compensated for my injuries?
Info:
- I was the driver (no passengers)
- Accident was my fault (Car was total-loss)
- My face hit the driver side window and got cut up pretty badly
- Had full coverage insurance (not sure exactly whats in the policy)
- Now have about k worth of medical bills
I was in another accident a couple years ago but I was a passenger in my own car and my pelvis was broken in that accident and I was paid for it. We had liability insurance on that car. At the time I was 17 and I didnt know about how insurance works back then either and my mom didnt tell me I had gotten paid for the accident. (I had to figure it out on my own through talking to different people)
If anybody knows a lot about auto insurance please let me know.
(I'm clueless about this stuff)
Will add more details also if needed.
I live in Virginia by the way.
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If you were driving and you are the at fault driver– there is no compensation for your injuries.
The only coverage that would pay anything is Medical Payments coverage. Usually if you have this coverage it is usually for 1000 to 5000. It only pays for medical bills incurred as a result of the accident. It does not pay for lost wages or pain/suffering. It is also not required by law– so you may not have it. You will need to ask the adjuster handling your claim if you have Med Pay coverage.
The reason you can not collect– you were driving — you were at fault — you can’t be liable to yourself. When you are injured in an accident – you sue the at fault driver. You can’t sue yourself.
The reason you had a claim when you were 17 is because you were a passenger and had a claim against the at fault driver.
Sorry, but if you don’t have medical payments coverage, there is nothing your insurance policy can do to help you with your medical expenses.
If you had full coverage, then your insurance will cover your medical bills, and cover any property damage you caused up to your policy’s limits. Anything over that is out of your pocket. You will also have to pay the deductibles for your policy.