Dealing with insurance company representatives to protect your interests can be challenging following a car crash. Therefore, you should contact a proficient legal professional to help you obtain the maximum potential settlement.
At the Law Offices of Doroshow, Pasquale, Krawitz, & Bhaya, we provide sound legal guidance and help you navigate the complex system. Contact a hard-working lawyer skilled with car accident insurance claims in Wilmington if you have been in a crash and need help obtaining an adequate payout for damages.
No-Fault Insurance System
The state adheres to a no-fault insurance system and requires all motorists with registered vehicles to carry the minimum coverage requirements. No-fault means that regardless of fault, each party can file a PIP claim with their automobile insurance provider after a collision. Such claims would include payment of related medical bills and lost wages. While the system seeks to compensate each party without any negotiations between insurers or filing a claim for wage loss and bills, you can still seek damages for pain and suffering or even additional bills beyond the available PIP coverage amount with the help of an attorney.
Personal Injury Protection
Personal Injury Protection (PIP) is essential to the state’s no-fault insurance system. The regulation mandates that you file a claim with your insurance provider for payment to cover medical care and lost wages due to the crash.
The system is in place to provide immediate coverage for these specific expenses, aiming to expedite the compensation process. The statute aims to streamline the insurance claims process while minimizing lawsuits filed in civil court. It is possible that your PIP carrier may dispute that certain medical bills are necessary, or related to the accident. In such a case, your attorney can help negotiate with or file a claim against your own carrier for not compensating you adequately or correctly. Additionally, if your policy PIP coverage is inadequate to cover the total cost of medical expense or lost wage damages, your lawyer can pursue a settlement or recovery through civil litigation dealing with the other driver’s insurance company.
Insurance Company Communication
If you, the policyholder, handle the communication and negotiations with your auto insurance provider without the help of a legal professional, you may not obtain the maximum settlement. One of our seasoned attorneys at the Law Offices of Doroshow, Pasquale, Krawitz, & Bhaya, skilled with handling insurance claims for Wilmington car wrecks, can handle the communication and fight for a fair settlement. We can also help collect evidence and file a claim in court if the payout amount is inadequate to cover the damages and losses.
Auto Insurance Requirements
All drivers in the state must carry at least the minimum requirement of auto insurance coverage to pay for the damages they sustain in car crashes, regardless of who is liable. According to the Delaware Division of Motor Vehicles rules, Delaware drivers must carry a minimum amount of liability coverage, including $25,000 for each person, $50,000 per crash, and at least $10,000 in property damage. A driver must also carry at least $15,000 per individual and $30,000 per collision in PIP overage. A driver must always have a valid state insurance identification card in case a police officer requests evidence of coverage.
Settlement Types
You can reach an auto insurance settlement through various methods, such as lump sum payments from the provider and alternative dispute resolution, which is similar to mediation. You may have other options if the payment amount is insufficient to cover the total losses.
These include collecting additional compensation for damages, pain, and suffering through an injury claim in civil court. In Wilmington, an attorney knowledgeable about car crash insurance claims can help you through the process by answering questions and providing guidance from initiation to settlement.
Call a Skilled Attorney in Wilmington About Car Wreck Insurance Claims
Navigating the auto insurance claims process after a vehicle collision can be confusing, frustrating, and overwhelming when you have sustained painful injuries. While the state adheres to a no-fault insurance system, there are options for filing a claim against the negligent driver if your coverage is inadequate to cover the damages and losses.
Reach out to us at the Law Offices of Doroshow, Pasquale, Krawitz, & Bhaya soon to review your options with an experienced lawyer seasoned in car accident insurance claims in Wilmington.