The Role of Insurance In A Post-Accident Personal Injury Case

Insurers provide drivers with access to liability insurance. That access becomes significant if the vehicle owner or an authorized driver has been found guilty of negligence, which then caused an accident.

That same vehicle owner must have someone to represent him or her during any negotiations for a settlement. The insurance company will do that for a policy holder. If the case were to go to trial, the insurance company would supply a defense attorney.

An insurance company does not abandon a policy holder that has been found to be at-fault for an accident. Still, should be noted that an insurance company will never agree to a settlement if the cost of the damage to a vehicle exceeds the amount stated in the policy limits. Moreover, an insurer might decide to raise the price of the policy holder’s premium, if he or she were to be declared negligent in a series of accidents.

An insurance company can also come to the aid of a policy holder, if he or she were to get hit by an underinsured driver. If the hit driver has an underinsured driver’s policy, then an amount that exceeds the underinsured driver’s coverage can be taken from that policy. That amount gets added to the small amount of money provided by the underinsured driver.

What a driver should do at time of accident, if other driver refuses to share his or her insurance information

First, call police and hope that they will arrive at the scene. If the police do not show up, talk with the other driver and try to get as much helpful information as you can.

You should be able to see the license plate on the vehicle that hit you. Record that number. Do ask to look at the other driver’s driving license. If a driver were to hide that information, he or she could be charged with driving without a license. Save whatever information has been shared by the other driver and give that same information to the police. Also share details about the time and place of the accident.

You may want to report the accident to your insurance company. Some of those companies keep a database, one that contains information on all the drivers in the state. If the person that hit you had not come from out-of-state, your insurance company might be able to recover important facts about the responsible driver.

If that person had come from out-of-state, then you must plan to work with the police. They will need to go after the missing details in your report. If you have a Personal Injury Lawyer in Oakville, then you can count on that attorney to communicate with the police.