Car crashes are a common concern. Many motorists eventually experience at least one collision, especially if they drive daily. People can also sustain injuries while riding as passengers in vehicles. Anyone involved in a motor vehicle collision may expect to receive compensation by filing an insurance claim.
Technically, the law does mandate that all motorists carry liability coverage. The party at fault for a crash provides coverage that can help pay for property damage losses and injuries sustained in the wreck. However, not every car crash results in people receiving adequate compensation through insurance alone.
Some people involved in collisions have to go to civil court in pursuit of financial compensation. Injured people may have the option of pursuing a personal injury lawsuit. Those who lose loved ones may have grounds for wrongful death lawsuits.
Not every driver follows the law
If every motorist consistently followed all traffic statutes, the number of crashes that occur would be substantially lower. It is quite common for drivers to routinely break certain laws regarding how they operate their vehicles. They may also violate the rules requiring insurance coverage. Some drivers make mistakes and forget to pay their monthly premiums. Others intentionally cancel their policies as a way of reducing their monthly expenses.
In both scenarios, uninsured drivers can leave others with few options after a crash. According to insurance industry claims data from 2022, an estimated 13.9% of drivers in Indiana lack proper insurance coverage.
There are also many people who do not carry sufficient insurance. Even those with policies that meet state standards may not have enough coverage to appropriately compensate those injured in a recent wreck. More significant injuries, including brain injuries and spinal cord injuries, can generate more in medical expenses than insurance covers. People may need to go to court, especially if they have to recover lost wages in addition to paying for their medical care or have lost a loved one.
Reviewing crash reports and insurance policy information with a skilled legal team can help people determine how to proceed after sustaining injuries in a motor vehicle collision. Civil litigation is sometimes the most effective way for people to obtain the support they require after a wreck.