Why would you call my insurance company after I was hurt in a car accident that was the other driver's fault?

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First, you shouldn't talk to the other driver's insurance company after a serious injury - in our experience, people just aren't ready to do that right away (so we do that for them!).

But why would we call your insurance company if the accident was the other driver's fault?

We've all heard that the other drivers insurance should take care of us if he causes the accident - pay for our medical expenses, lost income, damage to the car and our other harms and losses he caused - and that's all true.  And may be easy enough to do if the injuries are not serious.

But I'm talking about a serious, life threatening injury caused by another driver, where you need surgery, hospitalization, rehab and ongoing medical treatment and can't go to work until your injuries heal.

And the issue we see with those kinds of serious injury cases is sometimes one you don't want to hear - that the driver who hit you, who caused the crash and admitted fault, got a ticket, was found responsible - he doesn't have very much insurance coverage.  You see, it's perfectly legal to drive with car insurance limits of $25,000 or $30,000 in this area.  That means, no matter how serious the accident and injuries in the DC, Maryland or Virginia, that is all his insurance company will ever pay you.  It doesn't matter if your bills are $200,000 or you need several surgeries, years of rehab or can never return to work.

You feel like you've been victimized twice - first by the crash, now by the insurance company...

And as a lawyer who wants to help people, this is one of the hardest things to tell you. 

Maybe you can go through litigation, win the case and get a judgment against the driver.  Then maybe you can garnish his wages or put a lien on his property, but let's face it, people with low limits of insurance usually don't have many assets or much money to protect, certainly not enough to pay for the harm they caused you.  You should still investigate that but it's a long shot...

But if you have uninsured and underinsured motorist coverage, you will be protected against that driver (and if you don't have this or don't know, call your insurance company and get it added to your policy).  That insurance coverage is there to protect you and your family - it takes the place of the limited insurance the driver who hit you has.

So that's one of the first things we investigate for you - the insurance coverage - and one of the first calls we make is to your insurance company to verify the amount of uninsured/underinsured motorist coverage you have.  I don't recommend you talk to the insurance company right away - at least until you talk to us or read one of our free guides, books or reports on serious accidents, so you know how the system works.

And if you think we're right for you, just call us at (202) 393 - 3320.  If we work with you, we'll tell you to focus on your rehab and getting better and we'll take care of the rest for you - we take away the anxiety, stress and uncertainty while you bet better. 

Frank R. Kearney, Attorney-at-Law
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Experienced DC Workers' Comp, Long Term Disability & Accident Lawyer