Be Careful After Car Accident in Delaware
Most every automobile accident is a fairly jarring experience. People can frequently be extremely confused about what they should do in the immediate aftermath of a crash.
In most cases, victims will receive medical care. At some point, the same people will contact their insurance companies to notify them about the crashes.
Delaware requires all motorists to maintain automobile insurance policies that satisfy certain minimums, including personal injury protection (PIP) or “no-fault” coverage. While PIP coverage is intended to compensate people regardless of fault, insurance companies will frequently find reasons to contest these claims and reduce or completely deny payouts.
Delaware Car Accident Laws
According to the Delaware Department of Motor Vehicles, all vehicles registered in the state must have a 25/50/10 liability insurance coverage policy. The numbers signify $25,000 for bodily injury to one person in a single accident, $50,000 for injuries to multiple people, and $10,000 for property damage.
While PIP coverage pays claims regardless of fault, injured parties can file lawsuits against negligent drivers for damages such as medical expenses, lost wages, and pain and suffering. You should avoid speaking to an insurer until you have legal representation.
If the negligent driver was uninsured or had a policy with inadequate levels of insurance, the victim may be able to file a claim with his or her own insurance company.
Many representatives for insurance companies are trained to sound incredibly concerned and sincere when discussing your injuries and seeming willing to provide compensation, but casual conversations are often loaded with questions designed to elicit damaging responses. Many people unknowingly admit fault in critical aspects of their cases.
Independent Medical Examination
In many PIP claims and other car accident cases, it is not uncommon for an insurance company to request that a person submits to an independent medical examination (IME). People should be certain to retain legal counsel before agreeing to any IME.
An IME is supposedly a medical examination performed by an insurer’s selected professional, but the conclusion is almost always the same. In many cases, physicians performing IMEs conclude that patients require no further treatment, giving insurance companies valid reasons to quash benefits paid to victims.
People need to be aware of their rights during IMEs. Not all questions that may be asked necessarily need to be answered.
Find a Car Accident Lawyer in Delaware
If you were seriously injured or your loved one was killed in a car crash in Delaware, it is in your best interest to quickly contact Edelstein Martin & Nelson, LLP. Our firm represents clients in communities in and assuming the greater Wilmington area.
We understand the tremendous financial strain created for victims by car crashes. Our personal injury attorneys can fight to make sure you receive every last penny of compensation you are entitled to for all of your medical bills, lost income, and other damages.
Call (302) 295-5050 or contact us online today to have our firm provide an honest and thorough evaluation of your case.