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These types of harms can be extremely real, and you deserve to be compensated for the pain, loss, and emotional suffering.<br><br>Insurance companies have the "duty to defend" which is a contractual obligation. This is a part of your liability insurance policy and means that the insurer will provide a lawyer if you are sued for damages from an automobile accident. This is a great option because it makes sure that you don't have to pay the costs of fighting for yourself in court.<br><br>This can be particularly helpful in the event of a hit-and-run accident where the other driver might not have insurance. In these instances, your Personal Injury Protection or Uninsured Motorists (UM) insurance will cover your medical expenses and other losses while the policy of the at-fault driver is paid.<br><br>You must contact your insurance provider within a certain amount of time following an accident. This period could be as short as 5 or 10 days, based on the language of your policy. 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Since the adjuster for insurance knows that you are not allowed to sue beyond the statute of limitations and therefore, it can be a challenge to reach a fair settlement on your behalf. This could result in you spending time, money, and resources on a case that may not have been necessary in the first time.<br><br>Comparative Fault<br><br>In the event of a car accident it is essential to determine who is responsible. A car accident lawyer can assist you in determining who is responsible, and whom you should sue.<br><br>The majority of states have a system of comparative negligence, which means that every party could be awarded damages dependent on the extent of their involvement in the accident. 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