“Save lives, prevent injuries, reduce vehicle-related crashes”: this is the primary duty of the National Highway Traffic Safety Administration (NHTSA). While some car accidents are due to “unavoidable and unpredictable” occasions, more are results of another motorist’s recklessness or carelessness on the road. In fact, based on different studies and analyses of car crash data (both in the U.S. and in many other parts of the world), more than ninety percent of all car crashes are due to the fault of drivers.
Any defense to disprove this claim necessitates looking in crash data again which will always show that the most common causes of car crashes are drunk-driving, over or under-speeding, reckless driving and driver error, of which use of hand held phones and other forms of devices is the most common form of driver distraction and, thus, the leading cause of car crashes. Due to all these causes, the yearly numbers of those who sustain injuries and those who end up dead, amount to more than two million and more than 30,000 thousand, respectively.
For at fault drivers not to have any excuse in not compensating those who suffer injuries during accidents, every state in the U.S. mandated drivers to carry auto liability insurance. Depending on the state where a driver resides, the type of insurance he/she will need to carry depends on the system of coverage recognized in his/her state.
Auto liability insurance coverage requirement may either be tort insurance coverage or the no-fault insurance coverage. In tort states, the car accident victim can file a civil lawsuit against the at-fault driver. The amount of compensation that the victim is legally entitled to receive, which usually covers medical treatment, lost wages, pain and suffering, will be paid by the at-fault driver’s insurance provider. There are 38 states where this type of insurance coverage is currently mandated.
In no-fault states, which include of Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota, and Utah, the insurance provider pays its own policy holder in the event of an accident, regardless of whose fault the accident is. The payment, called the personal injury protection (PIP), covers lost wages (due to workdays missed), medical bills and property damage. The desire to still pursue additional payment for damages to property can be done in court.
The law firm Ravid and Associates, P.C. understands how valuable insurance benefits can be in covering accident-related expenses; yet, despite property damage and obvious injuries, many car insurance companies find ways to deny applications or delay payments, making a personal injury protection claim an additional burden for so many drivers.
Since dealing with insurance companies is a legal matter, it may be in the best interest of drivers to seek legal representation from highly-competent car accident lawyers who know very well how to deal with these insurance firms.