Whose insurance pays in a multi-car accident? In a multi-car accident, the insurance of the driver or drivers who caused the incident is usually responsible for covering the damages of those harmed during the incident.
Have a car accident lawyer in Waterbury review your case, and they can explain whose insurance will need to pay after your multi-vehicle collision.
An At-Fault Driver’s Insurance Company Will Often Have to Pay for a Multi-Car Accident
Whose insurance pays in a multi-car accident will depend on who is at fault for the incident. A personal injury lawyer in Waterbury can investigate your multi-car collision. From here, they can identify any responsible parties. If another driver is at fault, your attorney can help you pursue compensation from this party’s insurance company.
Your lawyer can engage in settlement negotiations with a liable motorist’s insurance company. They can advise you on whether it’s better to settle your case early with an insurance company. If any insurance settlement offers are made, you can review them with your lawyer before you decide on them.
The Law Offices of James A. Welcome has a team with over 40 years of combined experience. In the aftermath of a multi-car crash, we want you to get the optimal case results as part of a claim or lawsuit. Allow us to handle your car crash case as you recover from your auto collision and injuries. Contact us today to get started.
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Several Drivers’ Insurance Carriers Can Cover the Losses of Those Involved in a Multi-Car Collision
Whose insurance company pays for a multi-car accident will be based on the number of parties at fault. Determining liability for multi-vehicle crashes can be complicated. The insurance companies of the parties involved in these incidents investigate independently. Depending on the results of these investigations, several parties can be held responsible.
In a situation where two or more parties are at fault for a car accident, their respective insurance companies provide compensation to those who incurred losses. This can be the case even if you are partly to blame for a multi-vehicle accident as well.
Per Connecticut General Statutes § 52-572h, modified comparative negligence is in effect. If you sue someone for a car accident and are found to be 1-50% liable, your damages can be reduced by your percentage of fault. Similarly, if you are partly liable for a multi-vehicle accident, you could still get money in an insurance claim, but it will be reduced by your degree of fault.
Your Insurance May Pay in a Multi-Car Accident
As you think about whose insurance policy will pay in a multi-car accident, it’s important to note that there are times when your insurer covers the losses of those involved. This happens if you are at fault for the incident. Or, if a liable party doesn’t have insurance and you have uninsured motorist (UM) coverage, your policy may cover the accident.
Unfortunately, if your insurance company will cover your losses from a multi-car accident, there’s no guarantee that your insurer will give you fair compensation. If you get a lowball insurance offer, it helps to have an auto accident lawyer on your side to contest it.
Your attorney can analyze your accident losses and what your insurance claim is worth. They will account for these losses as they negotiate an insurance settlement. Ideally, your attorney can obtain a reasonable offer from your insurer. If this occurs, you will get money to cover your lost wages, medical bills, and other auto accident losses.
An Insurance Policy’s Limits Can Dictate How Much an Insurer Pays for a Multi-Car Accident
If someone else is to blame for your multi-car accident and you file an insurance claim, the at-fault party’s insurer pays for the incident up to the policyholder’s coverage limits. Because of this, you could wind up getting only a fraction of the compensation you need to recover fully from the accident.
Car accident lawyers want you to secure economic and non-economic damages for your auto repair costs, pain and suffering, and other losses. They can incorporate these into your car accident insurance claim.
According to Connecticut General Statutes § 52-584, the statute of limitations for many personal injury lawsuits is two years. Based on this, if you are injured in a multi-vehicle accident and want to sue any liable parties, you typically have up to two years to file your lawsuit.
Your Multi-Car Accident Losses May Be Covered by a Liable Party and Not Their Insurance Company
As far as whose insurance pays for your multi-car accident losses, you maintain the option of filing a lawsuit against any liable parties. Thus, if insurance settlement negotiations are unsuccessful, you can bring your case in front of a judge or jury. At this point, your car accident attorney can argue in court as to why any liable parties should pay damages.
Leading up to your trial, your lawyer can engage in settlement negotiations with any responsible parties. Ideally, you receive a reasonable settlement, which will allow you to resolve your case outside of court. Of course, if this doesn’t happen, your lawyer is prepared to present your case to a judge or jury.
In a trial, your lawyer can detail to a judge or jury how a duty of care was violated, which contributed to your auto accident, injuries, and damages. They can also dispute any claims made against you. If your attorney proves negligence, you may be awarded compensation.
Let Us Help You with a Car Accident Claim or Lawsuit
The team at the Law Offices of James A. Welcome can give you insights into whose insurance provider pays in a multi-car accident.
If you are ready to file an auto accident claim or lawsuit following a multi-vehicle collision, we want to help. To get started, request a free case consultation.
