If you’re involved in a car accident, it’s important to know what your rights are. In North Carolina, for example, you can’t recover against the other driver if you’re partially at fault. In these circumstances, you can only make a claim against your collision coverage on your own policy, and you cannot recover from the other driver’s uninsured motorist coverage. However, you can present evidence of your insurance policy to your insurance company at a hearing. This will help you avoid fines and suspension of your license or auto registration.
First, you must get medical treatment as soon as possible. Doing so can help ensure a successful recovery, as insurers may deny your claim if you wait too long. In addition, you can schedule periodic follow-up appointments with your doctor to make sure you are recovering well.
Second, you should get written statements from witnesses. These should be signed and dated. It’s important to obtain these statements as soon as possible, as they can be valuable evidence if the other driver tries to deny fault.
Third, you should investigate the insurance policies of the parties involved. In most cases, the party that caused your injury is likely to have insurance coverage. Liability insurance, for example, covers the damages you may cause if the person was injured on your property.
Depending on the circumstances, you may be entitled to additional compensation. This can include medical expenses, loss of income, and pain and suffering. You may also be eligible for compensation for emotional distress or a loved one’s death. If you’ve been injured on the job, you may have the right to file a claim for workers’ compensation.
When you’re involved in an auto accident, it’s important to document everything. If you don’t have photos, make sure to get the police report. These reports can help your insurance company determine who was at fault. Having a police report can also help your case in small claims court.