Who pays for a car accident depends on several factors, including what caused the accident, who was at fault, and the type of collision that occurred. A car accident lawyer can help you determine which party or parties might be liable for your damages.
You May Need to Pay for Your Car Accident
There are a few cases in which you may need to pay for your car accident and auto accident injuries. These include situations in which you caused the accident or when the accident involved only your vehicle.
In cases in which you caused the accident or in which the accident only involved your vehicle, your Personal Injury Protection (PIP) coverage will likely cover your losses. PIP covers 80 percent of your medical bills and 60 percent of your lost wages.
If you caused the car accident, you may also need to pay for the other driver’s losses and auto accident injuries.
The Other Driver May Pay for Your Car Accident
If the other driver caused your accident, they — rather, their insurance coverage — will pay for your losses. In this case, you will need to file a claim with the other driver’s insurance company or file a lawsuit to recover the compensation you deserve. When going after the other driver, you need to be able to prove the driver caused or contributed to your accident. This will require several different types of evidence.
If the driver is uninsured or does not have liability coverage, you may need to turn to your uninsured/underinsured motorist coverage to pay for any auto injuries or damages you suffered. This is also applicable if the driver fled the scene and police were unable to locate them.
The Other Driver’s Employer May Cover Your Accident Losses
In some cases, the employer of an involved driver may cover the losses of any injured parties. This is due to a concept known as vicarious liability, which states that employers are liable for any actions their employees take within the scope of their employment.
This is common in truck accidents. For example, a truck driver rear-ends you while making a delivery. Because the driver was acting within the scope of their employment, both the driver and the driver’s employer might be liable.
Holding an employer liable can be very difficult, but our team can look into the possibility that the employer could be vicariously liable.
A Manufacturer Might Be Liable for the Costs of the Accident
In some cases, a party that was not technically involved in the accident might be liable. These parties could include a manufacturer of a vehicle or a vehicle part or a company responsible for vehicle maintenance.
For example, a manufacturer creates a set of faulty brakes. Those brakes malfunction and do not allow you to avoid rear-ending someone. In this case, you would hold the manufacturer liable for your injuries. The other driver would do the same.
You could also hold a maintenance company liable if it was supposed to service your brakes but failed to do so or did not do so correctly.
Our team can help you determine all liable parties in your accident.
Who Pays When You Do Not Have Insurance
If you or the other driver does not have insurance, you may need to pay the costs out of pocket. This can leave you thousands of dollars in debt.
The Insurer Does Not Want to Pay for Your Accident
Be forewarned: the insurance company — yours or the other driver’s — does not want to pay for your auto injuries. This may lead them to employ certain tactics to devalue or deny your claim.
These tactics might include:
- Using something you say in a recorded statement against you
- Claiming that you are contributing to your injuries
Compensation You May Recover in a Car Accident Lawsuit
While the compensation you may receive depends on your specific injuries and losses, you may be entitled to any of the following:
- Medical bills: Medical bills can include hospital stays, treatment, future or ongoing care, surgeries, medical devices, emergency transport, copays, and more.
- Lost wages: This can include time off work to recover, time you needed to take for doctor’s visits, and any times you may have needed to leave early due to pain.
- Lost earning capacity: If your injuries take away your ability to work, require you to work fewer hours, or take a lesser paying job, you can recover compensation for the lost ability to earn money.
- Miscellaneous expenses: You can recover compensation for all expenses related to your accident. This can involve childcare or yard work costs; travel expenses to get to and from your doctor; or the costs associated with renovating your home or vehicle to accommodate your disability.
- Noneconomic damages: This type of damages is less tangible than medical bills or lost wages, but it is just as important. You can recover compensation for noneconomic damages, such as pain and suffering and mental anguish.
Our team can help you determine the compensation to which you may be entitled and fight for your right to pursue its recovery.
An Auto Accident Lawyer Can Help Ensure the Right Party Pays for Your Accident
It can difficult to determine who should pay for your auto accident injuries. In many cases, injured parties assume their insurance will pay and their options end there. However, in some cases, one or more parties will be liable for your injuries.
The car accident lawyers at the Law Offices of Wolf & Pravato will ensure you get the compensation you deserve — regardless of whether you are going up against another party’s insurance company or your own. Call us today for a free consultation to learn more about how our team can help you with your case: 954-633-8270. Be sure to act quickly to avoid overstepping the statute of limitations.