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Home / Practice-areas / Vehicle-accidents / Car-accidents
Across the United States, automobile accidents are an unfortunate fact of everyday life. In 2014 alone there were over 125,000 accidents reported within the state of Alabama. That equates to over 350 per day. With those kinds of statistics, odds are good that you or someone you know has been involved in an automobile accident within the last 12 months. If you or your loved one has been injured in an accident and have questions about your rights, call Alexander Shunnarah Personal Injury Attorneys today. Our team will help you understand your rights and work tirelessly to get you the money you deserve.
One key fact to keep in mind is that collision insurance is designed to cover damages to your vehicle regardless of fault. As long as your deductible is paid, your insurance company is required to honor your policy. After an accident your insurance company will either pay for your car to be repaired or to replace the vehicle if it is a “total” loss. If a car is “totaled”, you will likely receive the actual cash value for your vehicle rather than the market replacement cost.
Replacement Cost – The full cost of replacing your vehicle.
Actual Cash Value – Replacement costs minus standard depreciation.
In many cases individuals are surprised that their insurance payout is lower than their replacement cost, but it is typically tied to the calculation of actual cash value.
Your Medical Payments Coverage is designed to pay for related medical expenses of both you and your passengers in the event of an accident. As with collision insurance, these policies are required to pay regardless of who is at fault. It is also important to note that this type of coverage applies whether you are driving your vehicle or someone else’s vehicle with their permission. It also covers both you and your family if you are injured as pedestrians.
After an accident some policies require you to repay any benefits you may receive from the other party or their insurance company. This is not something that is commonly understood and is a frequent area of confusion.
Underinsured or Uninsured Coverage is designed to pay for your medical expenses and possibly financial losses if you are involved in an accident with an individual who has very little or no liability insurance. While some states require this type of coverage, there are still many instances where this becomes an issue for our clients.
Do you have a personal injury case you would like to discuss with a member of our team? Then please call Alexander Shunnarah Personal Injury Attorneys today at 1-800-229-7989.
In an effort to ensure Alexander Shunnarah Personal Injury Attorneys can provide you with the best possible service and information, we recommend that you gather as much information as possible before meeting with a member of our team.
Please note that if your case goes to trial and we do not have this information, we may have to hire an accident reconstruction expert.
Call Alexander Shunnarah Personal Injury Attorneys today at 1-800-229-7989