It may not be enough to hold a negligent driver and his insurance company liable for compensating you for your injuries. That may be only half the battle. The reality is that if you are owed more than the negligent driver’s insurance policy limits, he will most likely not have the income or assets to cover the difference. A judgment or agreement awarding you a certain amount of compensation is not enough—you need the actual money. To obtain it, you may need to seek other sources of compensation to be fully reimbursed for your losses.
Additional Sources That Could Pay You What You Deserve
You may not realize that there are other sources of compensation to turn to besides the other driver. Depending on your situation, these sources of income could be helpful:
- Your employer. If you were injured in a car accident while on the job, your employer could bear some responsibility for compensating you.
- Your auto insurance policy. Depending on your insurance contract, you may have insurance coverage to pay for your vehicle repair bills, towing costs, car rental fees, and more. However, if the damages are not too much, you may prefer to pay them out-of-pocket to avoid risking your insurance premiums increasing—even if you were not at fault in the crash.
- Your health insurance company. You may have a health insurance policy through your employer or that you purchased that will pay for your medical treatments. Some policies require you to first seek compensation from an auto insurance company.
- Uninsured or underinsured coverage. If you purchased these types of insurance coverage as part of your automobile insurance policy, you may be entitled to compensation from your insurance company if the negligent driver was uninsured or underinsured.
- Governmental agencies. When the different local, state, or federal agencies responsible for designing roadways and maintaining them fail to do so, you may have a claim against this governmental agency. These cases are complicated, and you will need an experienced attorney to evaluate whether you have a claim.
- Auto manufacturer. If a manufacturer defect, like a faulty airbag or defective tires caused or contributed to the crash, the auto manufacturer could be liable for your injuries.
If you or a family member was injured in a car accident caused by another driver, call us at 866-299-0558 to schedule a free consultation with our experienced legal team.