If you’ve been injured in a car accident, understanding the truth about insurance coverage is essential to protecting your right to compensation. Many accident victims believe certain myths about auto insurance that can ultimately hurt their claims. At Hillstone Law, our experienced attorneys help clients cut through the confusion and fight for the compensation they deserve.
Here are five common myths about auto accident coverage and the truth you need to know.
Myth 1: My Car Insurance Will Cover All My Damages
The Truth: In California, liability insurance only covers injuries and damages you cause to others. To cover your own medical bills and vehicle repairs, you need additional policies such as collision coverage, comprehensive coverage, MedPay, or personal injury protection (PIP). Without these, you could be left paying out-of-pocket.
Myth 2: I Can Sue the Other Driver After Accepting a Settlement
The Truth: Once you accept a settlement and sign a release, you give up your right to sue the at-fault driver or their insurance company. That’s why it’s crucial to consult with an attorney before signing any documents. A quick settlement may not fully account for your future medical expenses, lost income, or pain and suffering.
Myth 3: My Insurance Won’t Help if the Other Driver Was at Fault
The Truth: If you carry uninsured/underinsured motorist coverage, your insurance company may compensate you if the at-fault driver is uninsured or lacks enough coverage. This protection ensures you aren’t left with unpaid bills because of another driver’s lack of insurance.
Myth 4: I’ll Be Reimbursed for Medical Bills and Lost Wages Right Away
The Truth: Insurance companies typically pay only after your claim is fully settled. This means you may have to find other ways to cover expenses while your case is pending. Settling too soon before you reach maximum medical improvement could result in a lower payout.
Myth 5: If the Insurance Company Denies My Claim, I Can Sue Them Directly
The Truth: In most cases, you don’t sue the insurance company directly you sue the at-fault driver. The insurance company then provides legal defense for their insured. You can only sue the insurer directly if there’s evidence of bad faith or another direct wrongdoing by the insurance company.
Get Help From Hillstone Law Today
Auto accident claims can be complicated, especially if you’re recovering from serious injuries. At Hillstone Law, our skilled car accident attorneys will handle the insurance companies, fight back against unfair tactics, and pursue the maximum compensation you deserve.
Contact us today for a free consultation and let us protect your rights.
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Disclaimer: The material provided in these blogs is for general informational purposes only and should not be considered legal advice. Reading these posts does not create, and is not intended to create, an attorney-client relationship with Hillstone Law. Our intent is to share knowledge, raise awareness, and provide helpful resources to the public; however, Hillstone Law makes no warranties or guarantees about the accuracy, completeness, or reliability of the information provided, and expressly disclaims liability for any actions taken in reliance on it. The photos used in these posts are for illustrative purposes only and do not depict actual clients, individuals, or incidents unless expressly stated. If you or a loved one has been injured in an accident, please contact Hillstone Law at (855) 691-1691. Our attorneys are available to answer your legal questions and help you understand your rights.
