Most of us don’t have the first-hand experience to deal with the aftermath of a car accident. There’s no denying that accidents are unfortunate and unpredictable, but immediately after, involved drivers are expected to take the right steps. If you are physically capable, you should consider calling 911 to get medical assistance for the injured and inform local law enforcement. Idaho requires drivers to report an accident if death, injury, or considerable property damage is involved. Once you are done with the basics, you need to contact a Boise Idaho auto accident lawyer to know the worth of your claim and losses. In this post, we are discussing why personal injury lawyers are so important in such circumstances.
Despite being so vigilant on the road, you still met with an accident unexpectedly. Every time it’s not your fault, sometimes it can occur to you due to someone else’s carelessness too. The Boise Idaho auto accident lawyer can help you in such cases to get compensation. In this post, you will see what things you should do after a car accident in Boise.
You need to take action immediately
An accident could be the start of a new turmoil. If you have sustained serious injuries, you might have to spend weeks in your bed. This could eventually mean more losses in the form of income loss and increased expenses. If you don’t swing into action right after the accident, you may miss some of the evidence that can help prove the other party’s fault. When you hire an injury lawyer, they will do the work to investigate the accident and find fault and liability. They will also talk to witnesses and gather statements, collect the police report, and get advice from medical experts on your injuries.
Insurance companies don’t want the best for you
Insurance companies are looking for premiums, not settlements. Each claim is a dent in their interests, and they don’t obviously want that. This is the precise reason why insurance representatives often try bad faith insurance tactics to deny, delay and complicate claims. Even when you had a share in fault, you could be entitled to a settlement, as long as your fault share is less than the other party. Let a personal injury lawyer evaluate what your claim is worth and negotiate with the claims adjuster on your behalf. Lawyers can ensure that you are not pressed for a statement, and your words are not used against you.
There’s no denying that a personal injury lawyer can be of great emotional support for someone injured in a car accident. You can expect them to take over the paperwork and other aspects so that you have time to recover and heal from the trauma and accident. To find the best attorneys in Idaho, you can check online.
Maximizing claim value
Many times you fail to calculate the exact loss. You have the right to get compensation for economic damage and non-economic damages.
Monetary damages include:
- Past and future medical expenses.
- Damaged property replacement.
- Irreplaceable items.
- Loss of earning capacity.
- Lost wages.
Non-economic damage includes
- Physical disfigurement
- Physical impairment
- Mental anguish
- Physical pain and suffering
- Lowered quality of life
- Loss of companionship
It might be difficult for you to calculate the compensation you deserve, especially for the non-economic damages. So a lawyer helps to find it out and file it.
The lawyer has a thorough knowledge of the process. He arranges all documents swiftly, which might be difficult for you to do. So your lawyer meets the deadline faster and results in faster settlements.
Representation in court
If the case goes to court, your lawyer will represent you and try to strengthen your case so that judgment is in your favor.
It makes you aware of the low-paying insurance company.
As the insurance company pays for the amount, the agents manipulate you and settle the claim at a low cost. But a lawyer makes you aware of your rights and due compensation. It maximizes your claim value and minimizes chances of settling into low-value money.
How much does it cost to hire an attorney?
This method is known as a contingency fee. You need not pay upfront, and the payment is on a percentage basis. When you finally get the claim, your lawyer receives a fraction of that total amount. Thus it is a win-win situation for both.
No-Fault Insurance Law
Idaho does not fall under no-fault insurance law. In other states, you claim your compensation from your insurance agency no matter who was at fault, but in Idaho, you have to claim the due amount from the at-fault driver’s insurer.
Penalties for uninsured drivers
You need to carry your insurance proof while driving your vehicle. If the cops stop you and you fail to show proof of insurance, you get a 30 days period for showing the evidence of insurance. Till that time, your registration will remain suspended, and if you fail to prove that you are insured, you have to face a penalty of $75 for the first time and higher for any subsequent infraction.
Liability coverage is also a must in Idaho. It covers the lost wages, injuries, and property damage caused by you to another driver in situations when you are at fault.
State-mandated car insurance limits
Insurance limit is the minimum limit of coverage you must have to drive your vehicle legally. There are three categories of coverage limits- bodily injury coverage per accident, bodily injury coverage per person, and property damage per accident. You might have seen 25/50/15 written. What does that mean? These are split limits. Its breakdown is given below-
- $25,000 bodily injury coverage per person – The maximum amount your insurance company will pay for an individual you would have injured.
- $50,000 bodily injury coverage per accident– It is the limit for the money that your insurer will pay for all the injuries in an accident in which you were at fault.
- $15,000 property damage per accident– The max amount that your insurance company will pay for the property damage you caused in an accident.
These limits are almost similar to that of other states, but these are the minimum limits and not sufficient in all cases.
By now, you must have got a brief overview of the laws associated with the car accident. Though you can get compensation for the car accident on your own, an expert’s advice is always preferable.
No matter how worse the situation gets, you should not lose your calm. It’s easier said than done – Don’t panic in such cases but being calm can help you analyze the situation better and help you find a solution. Even if you are entirely sure that it was the other driver’s fault, do not involve yourself in unwanted fights and arguments, especially in front of the police.
After getting a hold of the situation, immediately call 911 even if people in your car or the other vehicle are not injured. Firstly, this will ensure that you and others are fine despite the absence of any visible external injuries. Secondly, your car accident attorney can use these medical reports in the future if there is anything of medical concern.
Answer the cops honestly
Be honest with the police officials, answer every detail correctly, and do not leave the scene unless the police ask you to leave.
Contact a car accident lawyer.
After medical attention and police inquiry, contact the Boise car accident lawyers, even if you were at fault or not. The lawyers can help calculate the percentage of your loss and how much compensation you are entitled to receive from the other driver. They can also help recover any money you have lost due to the accident, like your daily wage, hospital bills, insurance amount, or any other money lost due to the accident.
Inform insurance company
Make sure you inform your insurance company in time about the accident. Do not deal with the company directly. Take the help of your lawyer to handle the negotiations.
Avoid another accident
Do not, under any circumstance, hit another car, object, or any pedestrian and try to run from the scene. If you do so, this will complicate your case even more and inform police and lawyers.
We are humans, and making errors is part of our lives. Making mistakes is not in your hands but taking charge of your mistakes. If you meet with an accident, you now know how to proceed and handle the situation.