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These kinds of losses are often very real, and you should be able to claim the full and fair amount of compensation for your pain as well as loss of enjoyment and emotional distress.<br><br>Most people don't know, but insurance companies have a contractual "duty to defend." This is part of your liability insurance policy. It implies that the insurer will provide a lawyer in the event that you are sued for damages from an auto accident. This is advantageous because it means you won't have to pay for your own legal defense.<br><br>This can be particularly beneficial in the event of a hit-and-run accident where the other driver may not have insurance. In these circumstances your Personal Injury Protection (PIP) or uninsured motorists (UM) coverage could help to cover the costs of your medical bills and other losses until the policy of the driver at fault covers the cost.<br><br>You must notify your insurance company within a certain period of time following an accident. 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It's important to speak with a [https://www.diggerslist.com/66fbd661f2dff/about car crash lawyer near me] accident lawyer near me right away to ensure that deadlines are met.<br><br>If you miss the deadline your claim is almost guaranteed to be rejected and time-barred. The odds of winning are practically non-existent, unless there's a rare exception.<br><br>This is because a court is almost always unable to consider your case based on the law that says that you must make a personal injury claim within three years of the date of your underlying accident. This is the case for any lawsuit related to an automobile accident, regardless of whether you are suing for your personal injuries or the injuries of a loved ones or to get repairs or replacements done to your vehicle or any property damaged by the accident.<br><br>Another notable exception to the limitation period is if you're an under-age person at the time of your accident. Particularly, in the context of "tolling," which is a legal concept that means courts treat a minor as when they were adults at the time of their injury, the statute of limitations is paused until the victim reaches age of 18 in order to file a claim.<br><br>This could be a huge issue if you're trying pursue a personal injury claim against an insurance company. Because the insurance adjuster is aware that you're not able to sue beyond the statute of limitations and therefore, it can be a challenge to negotiate a fair settlement on your behalf. This could lead to losing time, money and resources on a lawsuit that may not have been needed in the first place.<br><br>Comparative Fault<br><br>When it comes to an auto accident, one of the most important factors you should consider is who is at fault. 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