Out of State Auto Accident – What Do You Do?
People love driving their cars because it gives them the freedom to go where and when they want. Accidents happen everywhere, including states where drivers don’t live. But no matter where you reside, it’s essential to have adequate insurance coverage and competent car accident lawyers to help you through the complicated legal process.
What You Need to Do After a Car Accident
Whether your car accident occurred in your home state or out-of-state, you need to do the following:
- Contact the police who can file an accident report and document the accident details.
- Obtain medical care for your injuries.
- Call your car insurance company and provide them with the accident details.
- Contact a car accident attorney for help and advice. You may receive numerous phone calls about the accident, and you should direct those calls to your attorney. Without a competent personal injury attorney, you have little protection against the other driver’s insurance company.
- Don’t talk with the other driver’s insurance company representatives, and don’t discuss your accident with anyone unless your attorney approves.
- Never sign any document forfeiting your right to sue before talking with a personal injury car accident lawyers Los Angeles.
Insurance Coverage for Accidents Out-of-State
Every state has its own minimum automobile insurance requirements. Your auto policy likely has a section that describes out-of-state insurance coverage. When a driver is involved in an accident in another state, insurance companies often interpret and adjust their policy holder’s coverage to meet the minimum requirements for that state. California requires minimum liability coverage of $15,000 for injury or death to one person, $30,000 for injury or death to two or more persons, and $5,000 for damage to property. So, if a driver has $10,000 liability insurance coverage in their home state, and they have an accident in California, their coverage would probably be adjusted to meet the minimum liability standards that California requires.
California is a Pure Comparative Negligence State
California is a pure comparative negligence state, meaning a defendant can claim comparative negligence as a defense to reduce his or her own fault in a case. If you are injured in an automobile accident with someone who lives in a no-fault insurance state, their car insurance will adjust to California’s pure comparative negligence laws. Pure comparative negligence is what the courts use to decide who is responsible for an accident and how much compensation they will receive, based on how much personal injury and property damage each person gets. The amount of payment each person receives is also based on the percentage of their negligence. If you were in an accident, contact a car accident attorney Los Angeles for advice.
Consider Purchasing Higher Insurance Coverage
You cannot count on the other driver to have enough liability coverage to pay for your injuries and property damage. Many insurance companies and lawyers advise people to carry as much liability insurance coverage as they afford. Because the best way you can protect yourself before an accident is to have high limits of UM/UIM (Uninsured/Underinsured Motorist Coverage). Uninsured/Underinsured motorist insurance covers you in case the driver responsible for your injuries doesn’t have any liability insurance or doesn’t have enough.
Filing a Lawsuit with an Auto Accident Attorney Los Angeles California
If you’ve been in an out-of-state accident which resulted in serious injuries, you may want to take legal action against the driver responsible for those injuries. Filing a lawsuit will help you obtain the compensation needed to pay medical bills, lost wages, pain and suffering, and damage to your vehicle.
If you live in another state and have a car accident in California and wish to file a lawsuit, you will need to file the lawsuit in California. Handling an out-of-state insurance claim can be a complicated process. You’ll want to talk with a Los Angeles car crash attorney like M&Y Personal Injury Lawyers for help. We know California liability laws, can represent your interests in court and are dedicated to serving the needs of personal injury victims.