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How Auto Collision Insurance and Other Insurance Policies Affect Your Claim...This section takes a look at how auto collision insurance works (and how other insurance policies may affect your injury claim).Knowing some of these basics can help you determine who your injury claim should be against and help speed-up your personal injury settlement. Detailing all the clauses in auto collision insurance policies would not only require an incredible amount of space, it would also get you unnecessarily confused. On top of that, the differences from policy to policy and from one state’s laws to the next are intense. It’s best for you to look up those specifics on a case-by-case basis. The following is a look at different types of coverages in terms of what questions you should be asking. Auto Collision Insurance... Probably the first question to ask is whether or not you fall into the category of No Fault Insurance. This concept was adopted by a lot of states years ago as a means of lowering insurance rates. In a no fault accident, the settlement comes from the injured driver's own policy first, no matter who’s fault the accident is. Then the injured person's insurance company pursues the other driver's insurance company for the settlement (a process known as subrogation). If this applies to you then it'll obviously affect how you go about your claim. One good thing is that in all likelihood you'll get your car accident settlement quicker. Almost all states make it mandatory to have auto collision insurance. Within those policies are several different forms of coverage. When making an injury claim against the other driver you're making a claim against their liability coverage. Unfortunately this doesn’t always work out well, which is why your own policy should have Uninsured and Underinsured Motorist Coverage. This means that your own insurance will compensate, to a certain degree, for money the other party can’t pay. There should be no dispute over the amount of the other driver’s liability coverage. Still, sometimes it won’t be clear whether or not the accident falls into a category they are covered for. Who and what car is covered in the auto collision insurance policy? Whoever is named in the policy is insured no matter what car they're driving. The spouse and any blood relative living at the primary address are also covered in that policy even if they're not named. As for the car, any vehicle referred to in the policy is covered. When the vehicle is specifically named it doesn’t matter who is driving. As long as the driver has permission from the vehicle owner the coverage still applies. If the car is stolen the coverage does not apply. There are also grey areas where problems arise such as when someone other than the primary policy holder gives a friend permission to drive. The details of how much is covered and what kind of damages are covered vary a great deal for each policy. Many states also have limits on how much someone can claim off another’s policy, so this is something you’ll need to look into with your state insurance board. Lastly, as a passenger in a vehicle you're able to make a claim against all cars involved in the accident. Business Insurance Coverage... Most business owners or landlords will have insurance for their business and commercial property. In terms of personal injury cases this type of coverage exists to cover claims from people injured on the premises, in a slip and fall accident or as a result of a faulty product. The injured person may have had an accident as a result of poorly maintained property, a defective product, an employee or other such instances. In many cases, such as a retail store, it won’t be clear if the liability lies with the business owner or the property owner. This is not your concern and it isn’t something you should be involved in. The insurance companies will argue that between themselves. Worker’s Compensation Insurance Coverage... This falls under the worker/employment laws that every state has. If you're injured on the job, in almost every case, you are entitled to claim compensation for lost wages. Homeowner’s Insurance Coverage This type of insurance can encompass a lot of things. It can cover anything from damage to the home to stolen property. It can also be extended to certain accidents that occur outside of the home such as those involving dog bites. Return from Auto Collision Insurance to Personal Injury Settlements Return from Auto Collision Insurance to the Personal Injury Settlement Guide How Much Is Your Case Worth? Find out NOW! Complete this form for a FREE case review by an experienced attorney... The accuracy of information on this site is not guaranteed. 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