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| Know Your Rights |
| Know Your Rights |
TREATMENT OF YOUR INJURIES
You will be surprised how important your
health becomes once you start losing it.
And unfortunately, many people settle their
case with the insurance company before
they learn the full extent of their injuries.
So remember, if the accident is clearly the
other party’s fault, it’s your right to get the
care you need to get you back to the way
you felt and functioned before the accident.
You will be surprised how important your
health becomes once you start losing it.
And unfortunately, many people settle their
case with the insurance company before
they learn the full extent of their injuries.
So remember, if the accident is clearly the
other party’s fault, it’s your right to get the
care you need to get you back to the way
you felt and functioned before the accident.
Before you settle your case..... learn your rights!
CAR DAMAGE
If the accident is clearly the other party's fault, they are obligated to properly fix your car, or if it can’t
be fixed, they need to compensate you fairly for the car’s value.
RENTAL CAR
If the other party is at fault, you can be compensated for the reasonable expense of a rental car while
your vehicle is being repaired. However, your own insurance carrier will not cover this unless you
purchased rental coverage.
MISSED WORK
You should be compensated for missed pay from your job. Make sure your doctors and lawyer are
aware of your job situation.
BE WARY OF EARLY SETTLEMENT OFFERS
Be careful if you are offered a quick settlement from an insurance company. You may want to consult
with an attorney before signing any documents.
WILL THE ACCIDENT AFFECT YOUR INSURANCE RATES
If the accident is not your fault, your insurance carrier cannot "rate your policy" for fault. Be aware,
however, that you can be rated on a "frequency of claims" basis and therefore even if not your fault, a
property damage claim can have rating consequences. Also be aware that the allocation of fault is a
business judgment the insurance company makes and it is very difficult, if not impossible, for an
individual to contest the carrier's assessment of fault. You might consider hiring an attorney at this
point.
If the accident is clearly the other party's fault, they are obligated to properly fix your car, or if it can’t
be fixed, they need to compensate you fairly for the car’s value.
RENTAL CAR
If the other party is at fault, you can be compensated for the reasonable expense of a rental car while
your vehicle is being repaired. However, your own insurance carrier will not cover this unless you
purchased rental coverage.
MISSED WORK
You should be compensated for missed pay from your job. Make sure your doctors and lawyer are
aware of your job situation.
BE WARY OF EARLY SETTLEMENT OFFERS
Be careful if you are offered a quick settlement from an insurance company. You may want to consult
with an attorney before signing any documents.
WILL THE ACCIDENT AFFECT YOUR INSURANCE RATES
If the accident is not your fault, your insurance carrier cannot "rate your policy" for fault. Be aware,
however, that you can be rated on a "frequency of claims" basis and therefore even if not your fault, a
property damage claim can have rating consequences. Also be aware that the allocation of fault is a
business judgment the insurance company makes and it is very difficult, if not impossible, for an
individual to contest the carrier's assessment of fault. You might consider hiring an attorney at this
point.
| This web site provides general information only and cannot be relied upon as medical or legal advice. Applicability of the medical or legal principles discussed may differ substantially in individual situations. You should consult your doctor or an attorney about your particular situation. |
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| Injury Institute Health Centers of California (866) 544-6587 Contact@InjuryInstitute.com www.InjuryInstitute.com |
2002 Injury Institute