Most people know that car insurance company will help pay for some of the damages caused by accidents. However, many people don’t know whether or not their car insurance company will provide a personal injury lawyer.
The answer to this question is, unfortunately, not a simple one. It depends on several factors, such as the accident’s severity, the state where the accident occurred, and the car insurance company’s policy.
In some cases, the car insurance company will provide a personal injury lawyer; in other cases, they will not. If you have been in an accident and are wondering if your car insurance company will provide a personal injury lawyer, read for more information.
What is Personal Injury Protection?
Personal Injury Protection (PIP) is an extension of car insurance that covers medical expenses and, in some cases, lost wages and funeral costs. PIP is sometimes called “no-fault” coverage because it is typically required in “no-fault” states. In a “no-fault” state, an insurer will pay PIP benefits to their insured regardless of who caused the accident. PIP coverage is not required in all states but is required in some.
If you are involved in a car accident, check with your insurance company to see if PIP coverage is available.
What does Personal Injury Protection Cover?
California requires that all drivers carry liability insurance. PIP is not required but can be purchased as an add-on to liability insurance. PIP coverage in California will pay for the following expenses:
- Medical bills: covered no matter who is at fault
- Funeral expenses: up to $5,000
- Lost wages: up to $2,500 per month
- Replacement services: up to $20 per day
PIP coverage is not required in all states but is required in some. If you are involved in a car accident, check with your insurance company to see if PIP coverage is available.
Will My Car Insurance Company Provide a Personal Injury Lawyer?
It is common for car insurance companies to provide a personal injury lawyer to policyholders who are injured in an accident. The lawyer will help the policyholder file a personal injury claim and negotiate with the other driver’s insurance company to get the best settlement possible. The lawyer will often handle any legal proceedings that may arise from the accident, such as a personal injury lawsuit.
While most car insurance companies will provide a personal injury lawyer to their policyholders, it is essential to check with your insurance company to see if this is a service included in your policy. Some insurance companies may require you to use a specific law firm, or they may only provide a lawyer if you agree to use their legal services.
Knowing what services are available to you through your car insurance policy is essential to take full advantage of them if you are ever in an accident. If you have questions about your policy or whether or not your insurance company will provide a personal injury lawyer, be sure to contact your insurance agent or company to get clarification.
What Should I do if My Insurance Company Does Not Provide a Lawyer?
If your insurance company does not provide a personal injury lawyer, you may still be able to get legal assistance by hiring a lawyer on your own. Many personal injury lawyers will take cases on a contingency basis, meaning you will only have to pay the lawyer if they can get you a settlement.
When choosing a personal injury lawyer, finding someone with experience handling car accident cases is essential. You can ask family and friends for referrals or seek lawyers specializing in personal injury law. Once you have found a few potential lawyers, be sure to set up consultations so that you can choose the best one for your case.
Most insurance companies will not provide you with a personal injury lawyer. However, there are some exceptions. If you are unsure whether or not your insurance company will provide you with a lawyer, it is best to contact them and ask. You should also contact us at 619-374-9320 and visit the Law Office of Hollingsworth & Hollingsworth A P.C to learn more about your options.