Auto accidents happen every few seconds in the United States, and the majority of them are preventable. Driver negligence is the major cause of most car accidents, and drivers simply do not pay attention when they are out on the road. Whether they are texting, talking on the phone, looking in the mirror, jamming to the radio, or talking to other passengers in their vehicle, they clearly aren’t keeping their eyes on the road where they should be. All drivers get distracted at times, and this makes the roads really dangerous. If you have been hit by a driver that wasn’t paying attention, then you need to contact auto accident attorney Iowa professionals to get advice on whether or not you should sue. They will be able to tell you at your consultation whether or not they think you have a strong case.
Understanding Insurance Requirements and How You Can Recoup Damages
All states including Iowa have insurance laws that stipulate that people must have minimum coverage amounts to cover the other vehicle and driver if they are at fault. This is often called liability insurance or PLPD insurance. However, with medical costs soaring and the price of vehicles being so expensive, these minimum amounts rarely cover the full cost if the accident is serious. If the negligent party’s insurance doesn’t cover the full cost of your damages, then you may be able to file a claim with your own insurance company. That will really depend on what type of coverage that you have. If you only have the minimum amounts yourself, then this will not be an option. If your insurance company does end up paying anything, then they will sue the negligent party for whatever costs they are out. If you can’t get the money you need through either insurance company, then that is when you will need to seek an attorney to fight on your behalf. They will go after the negligent driver personally to recoup any damages that they can.
Selecting a Lawyer That Deals Solely in Personal Injury Cases
If you have been injured and want to file a personal injury claim, then a lawyer who deals with personal injury cases on a regular basis would be the wisest choice. In addition to auto accidents, there are multiple other ways that a person can claim personal injury. Defective products, auto accidents, medical malpractice and prescription drug injuries are all examples of the types of things that people can file personal injury claims on. If your case cannot be settled and goes through the court system, then the court will consider not only your physical damages, but your monetary damages as well.