Whenever a car accident occurs involving a personal injury, the victim of such an accident, regardless of whose fault the accident is, may be entitled to something called Accident Benefits.
Car accidents are the most frequent of those in which a person may be injured involving a “motor vehicle”. However, Accident Benefits apply, just the same, to injuries involving trucks, buses, motorcycles and, of course, would also apply to pedestrians struck by any of these vehicles.
Accident benefits are only available to people injured as a result of motor vehicles and are, therefore, not available, for example, in a slip and fall case. There are rules for establishing which party’s insurance company must pay for Accident Benefits. It is generally the insurer of the person in whose vehicle you are injured (even if the fault of the accident rests with the other car’s driver). There are complicated rules and many forms that have to be filled out to access and maintain the coverage. For example, if you are an injured pedestrian and happen to have an automobile insurance policy that covers you or your spouse, even though the injury occurred while you were not in your car, the application for Accident Benefits must be made to your own insurance company, or your spouse’s, not to the insurer of the at-fault party.
The limits to payment of Accident Benefits depend on the severity of the injury but may include loss of income benefits, non-earner benefits, medical rehabilitation, payments to close family members in fatality cases, and other benefits.
If the accident wasn’t your fault, your car insurance rate should not go up just because you get Accident Benefits.
As with all legal claims there are time limits in which to make the claim or dispute your insurance company if they cut you off benefits.
We can help you navigate this complicated system to ensure maximal recovery. Don’t let an insurance company or the complexity of the process intimidate you. Especially in serious accidents when you are most vulnerable you need the strength and expertise of experienced lawyers to assert your rights for just compensation. Why do doctors and other lawyers recommend us? Because for 30 years we have been winning cases affordably and effectively and we are Lawyers you can trust.