Monday, November 16, 2020

 Multi Car Accidents

So, you're involved in an accident with multiple cars. What can you expect? Why isn't the insurance adjuster getting back to you?

 When you're involved in a multi-car accident, the process to resolve even the simplest claim can be more frustrating than usual. Even if it's obvious who was at-fault in the collision, the at-fault drivers’ insurance is going to take a long time to do anything, including arranging rental cars. The insurance company will be reluctant to issue any money when it looks like the limits of their insured's policy will be exhausted. If the at-fault driver has a minimum policy, they will have property damage liability coverage in the amount of $25,000 and liability bodily injury coverage in the amount of $30,000 per person / $60,000 per accident. That means that all of the vehicles that were damaged in the collision will be going after the same pot of money for the property damage ($25,000) and for the bodily injury claims (30/60). If one of the cars is a very expensive car, that one vehicle may have $25,000 in damages alone. Likewise, if one person is badly injured, their medical bills could easily exceed $30,000. In both of these examples, the insurance company is going to be reluctant to pay anything until it knows for sure everybody's damages so that it can properly allocate its money to the various parties according to who was damaged the most. If the amount of the damages is greater than the amount of available insurance, the at-fault insurance company will pay a pro rata amount to each injured party, usually based on the amount of each individual's damages. 

This is why it's always important to have proper insurance for yourself. Remember, your insurance should cover you when it's all said and done. If you have proper insurance, you can run your property damage claim through your own insurance and expedite the process. But, if you don't have the proper coverages, you must wait until all parties are ready to settle before receiving any money from the at-fault carrier. Additionally, if the pro rata amount from the at-fault carrier doesn't cover all of your damages, you can pursue additional coverage through your Underinsured covered with your auto insurance policy. Your premium rates will not increase by running the claim through your insurance because you were not at-fault in the accident. 

Therefore, when shopping for auto insurance, make sure that you are requesting Underinsured and Uninsured coverage sufficient to cover you for both property damage and bodily injury should you get in a vehicle accident. To have a North Carolina attorney review your auto accident claim, call Paul Robinson at Hemmings & Stevens today for a free consultation. 919-277-0161. 

45 comments:

  1. I always check this type of advisory post and I found your article which is related to my interest.auto accident injury treatment Surprise az This is a great way to increase knowledge for us. Thanks for sharing an article like this.

    ReplyDelete
  2. Thanks for sharing this amazing post. I am a Writer at Assignments Planet that provides the best law assignment writing service UK for students seeking help in making the best assignment at a cheap price.

    ReplyDelete
  3. You have worked nicely with your insights that makes our work easy. The information you have provided is really factual and significant for us. Keep sharing these types of article, Thank you.car accident injury treatment gilbert az

    ReplyDelete
  4. It is what I was searching for is really informative. It is a significant and useful article for us. Thankful to you for sharing an article like this.Car accident lawyer bakersfield ca

    ReplyDelete
  5. The article you've shared here is fantastic because it provides some excellent information that will be incredibly beneficial to me. Thank you for sharing that. Keep up the good work. car accident lawyer phoenix az

    ReplyDelete
  6. This article provided me with a wealth of information. The article is incredibly helpful and offers some of the most useful information. Thank you for sharing it with us. Injury Lawyer Hilton Head

    ReplyDelete
  7. This is excellent and important information Car accident lawyer bakersfield ca which is shared by you. This info is meaningful and important for us to increase our knowledge about it. Always keep sharing this kind of information. Thank you once again for sharing it.

    ReplyDelete
  8. I am heartily thankful to you that you have shared important and essential information car accident injury treatment Phoenix az with us. I got some different kind of knowledge from your webpage, and it is very much important for everyone. Thanks

    ReplyDelete
  9. Thanks a lot for this cognitive article. I read it twice. Sometimes,I look for fresh ideas. This time I want to know where I can buy motivation letter

    ReplyDelete
  10. This comment has been removed by the author.

    ReplyDelete
  11. This comment has been removed by the author.

    ReplyDelete
  12. The business catalog on paper structure had their prime for a long time, however the populace presently goes to the Internet for the data they look for, so most print indexes are gathering dust. personal injury lawyer
    New York City Injury Lawyer

    ReplyDelete
  13. I liked your work and the way in which you have shared this article here about Auto Injury Lawyer. It is a beneficial and helpful article for us. Thanks for sharing an article like this.

    ReplyDelete
  14. You have Shared great content here about.appraise my trade in I am glad to discover this post as I found lots of valuable data in your article. Thanks for sharing an article like this.

    ReplyDelete
  15. to assist you with your loan without any complications. It's the simplest method to get things done, afterBack to Back LC transactions in Dubai all! Such a business is Tacb. Near me, they are now providing commercial loans so that folks like me can swiftly and simply receive what they desire. I fail to understand

    ReplyDelete
  16. The market is expanding as a result of the increased public awareness of environmental deterioration and the growing need for sustainable energy sources. I'm delighted I came Guardians of The Galaxy 3 Jacket on this article because it has a lot of useful information.

    ReplyDelete
  17. The potential complications that can arise during the insurance claim process. Seeking professional assistance, such as a lawyer or experienced adjuster, can help navigate the complexities and ensure fair compensation. Consider optimizing your online presence through Search engine optimization dubai to make it easier for people to find your services.

    ReplyDelete
  18. The market is rising as a result of the growing demand for Accounting Services In Dubai sustainable energy sources and the increased public awareness of environmental damage.

    ReplyDelete
  19. The public's growing awareness of environmental degradation and the demand for Boston Celtics Finals Jacket sustainable energy sources are driving the market's growth.

    ReplyDelete
  20. the various difficulties that can occur when filing an insurance claim. To negotiate the complexity and guarantee proper recompense, consider hiring an expert, such as a lawyer or skilled adjuster. digimarketinginc.com

    ReplyDelete
  21. This is why it's crucial to protect yourself with the right insurance. In the end, your insurance should provide coverage for you. If you have the right insurance, you may speed up the process by filing a property damage claim with your own insurance company. Expo Tickets For Students

    ReplyDelete
  22. Waiting for the insurance adjuster's response can add to the stress. While it may take time for them to assess the situation, utilize this period to focus on your well-being and explore your culinary skills with the Best double oven range. Preparing delicious meals can be a therapeutic way to distract yourself during this waiting period.

    ReplyDelete
  23. In the aftermath of a multi-car accident, safety and containment become crucial. Just as professional fencing services Edmonton offer protection and boundaries, the need for proper measures to secure accident scenes and prevent further incidents arises.

    ReplyDelete
  24. In case of an accident involving multiple cars, it's crucial to prioritize safety and immediately call for help. While handling the situation, it's essential to consider environmental safety, and chemical injection in UAE might be needed to prevent any hazardous spills. Stay calm, ensure everyone's well-being, and follow proper protocols to handle the aftermath. ๐Ÿš—๐Ÿšจ๐Ÿ›ข️

    ReplyDelete
  25. The increased need for clean energy sources, driven by rising environmental awareness, is fueling market expansion. The rising greenhouse gas emissions from conventional energy sources are driving up demand for solar electric systems and, as a result, market expansion. Finance Monkey UK Online Accountants

    ReplyDelete
  26. Multi Car Accidents" address complex situations. Just as these incidents require careful handling, Building Demolition in Edmonton ensures safe and controlled dismantling of structures, underscoring the importance of expertise in managing various scenarios, whether on the road or in construction

    ReplyDelete

  27. Navigating through the complexities of a multi-car accident can be challenging. Our expertise in office fit-out ensures that even intricate projects are handled with precision and efficiency. Let us bring the same attention to detail to your space as you work through the aftermath of the accident.

    ReplyDelete
  28. Caught in a multi-car accident, a harrowing experience indeed. ๐Ÿš—๐Ÿš™ Amidst life's unexpected turns, finding solace at the Best Barber Shop in Canada could offer a moment of calm, just as skilled hands mend both hair and nerves. ๐Ÿ’‡‍♂️✂️ #StayStrong #MomentsOfRelief

    ReplyDelete
  29. Multi-car accidents can be chaotic and challenging to navigate. Just like the complexity of these situations, choosing the right coffee beans dubai can be a blend of flavors and aromas that need careful consideration

    ReplyDelete
  30. Navigating a car accident can be complex. Just as you may have questions about insurance, consider how villa renovation dubai can bring clarity and a fresh start to your living space, providing a comfortable environment to tackle challenges and uncertainties.

    ReplyDelete
  31. Multi-car accidents are unfortunate incidents that highlight the importance of safety measures on the road. In the aftermath, consider the reliability of legrand products abu dhabi for efficient and durable electrical solutions, reinforcing the significance of quality in both transportation and infrastructure. Legrand's commitment to excellence extends beyond homes and offices

    ReplyDelete
  32. Multi-car accidents can be chaotic and stressful. It's crucial to prioritize safety and seek immediate assistance. In the aftermath, let Cheap Car Wash Near Me Ottawaa take care of restoring your vehicle's shine, providing a moment of relief amid challenges.

    ReplyDelete
  33. Multi Car Accidents" sheds light on the complexities and challenges faced by individuals involved in such incidents. It emphasizes the importance of safetycoffee delivery dubai measures and responsible driving. In the fast-paced world of commuting, a reminder to stay vigilant and promote road safety is always crucial.

    ReplyDelete
  34. Multi-car accidents are chaotic and stressful situations. Much like the need for precise tank cleaning houston navigating through the aftermath of these incidents requires careful attention and expertise. Stay safe on the roads, and ensure your vehicles and tanks are maintained for optimal performance. #SafetyFirst #HoustonTraffic

    ReplyDelete
  35. Addressing the challenges of multi-car accidents—a crucial topic that demands attention and awareness! While navigating through these discussions, ensure yourBoardroom catering services in Houston Texasmeetings are seamlessly catered with excellence. Elevate both safety talks and corporate gatherings with boardroom catering services in Houston, Texas

    ReplyDelete
  36. Distressing to hear about multi-car accidents. Safety is paramount. Take a moment to ensure your vehicle is in top condition with Mobile Car Wash services in Ottawa Keep both your ride and the roads clean for a safer journey ahead!

    ReplyDelete
  37. Multi-car accidents are unfortunate events that emphasize the need for road safety. In Abu Dhabi, where precision matters, consider organizing your spaces with the Electra cable management system abu dhabi Just as road accidents prompt safety measures, efficient cable management ensures a clutter-free and hazard-free environment, contributing to a safer and more organized living or working space in Abu Dhabi

    ReplyDelete
  38. Being involved in an accident with multiple cars is undoubtedly a stressful situation. As you navigate the aftermath, prioritize safety and seek the necessary support. Just as you handle unexpected incidents on the road, in the industrial sphere, ensure smooth operations with reliable chemical injection pumps in DubaiMinimize disruptions, whether on the road or in your processes, by choosing equipment that guarantees precision and efficiency for a quick recovery.

    ReplyDelete
  39. Well-written information. Very impressive and to the point
    Have a look at my new blog:Avira Rescue System Crack 2023

    ReplyDelete
  40. Explore the delectable world of chocolate treats in Dhahran, where each indulgence promises a harmonious blend of sweetness and satisfaction, turning every moment into a delightful celebration of flavor.

    ReplyDelete
  41. Multi-car accidents pose significant challenges and safety concerns on the roads. It's crucial to emphasize preventive measures and responsible driving to mitigate such incidents. Similarly, the best interior fit out uaeprioritize safety and functionality in designing spaces, showcasing a commitment to creating environments that prioritize well-being. Both contexts underscore the importance of diligence and expertise in ensuring the safety of individuals, whether on the road or within designed spaces.

    ReplyDelete
  42. Dealing with the aftermath of a multi-car accident can be overwhelming, especially when waiting for communication from insurance adjusters. While navigating the process, take some time for self-care and relaxation with a massage and spa Karachi to ease the stress.

    ReplyDelete
  43. "Dealing with a multi-car accident can be overwhelming, especially when waiting for the insurance adjuster's response. Patience is key as they navigate through the complexities. While awaiting updates, perhaps slipping into a luxurious kaftan dress could offer a moment of comfort amidst the stress."

    ReplyDelete
  44. Craving a sweet coffee treat? Try the delicious ู…ุงูƒูŠุงุชูˆ ูƒุฑุงู…ูŠู„! This rich, creamy drink is the perfect blend of espresso and caramel, offering a smooth and flavorful experience that coffee lovers won’t want to miss.

    ReplyDelete
  45. Car Detailing Ottawa provides expert services, including deep interior cleaning, exterior polishing, and protective treatments. They focus on keeping your vehicle in pristine condition with meticulous care.

    ReplyDelete

 Multi Car Accidents So, you're involved in an accident with multiple cars. What can you expect? Why isn't the insurance adjuster ge...