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Collision coverage pays for physical damage to your vehicle when it is involved in a collision, regardless of who caused the accident. That sentence is the definition, and it contains the word that matters most: regardless. The reason that word carries so much weight is that every other source of vehicle repair money available to […]

The word “fault” sounds like it has an obvious meaning. Someone did something wrong, someone caused the crash, and whoever that person is bears the legal and financial responsibility for what happened. If only the process of establishing that fact worked as cleanly as the concept implies. In reality, fault determination in a car accident […]

There is a specific moment in the treatment of a serious accident injury when the conversation with your doctor changes register. For weeks or months, the implicit premise of every appointment has been improvement: a trajectory, a protocol, a projected destination somewhere ahead where you resemble the person you were before. Then, at some point, […]

You are not asking this question from a place of calm legal curiosity. Someone you loved has died because of what someone else did or failed to do, and you are trying to understand whether you have the legal right to do something about it — to hold someone accountable, to recover something for what […]

A collision with a commercial truck is not a car accident with a bigger vehicle. It is a categorically different legal event, governed by a different regulatory framework, involving defendants with far more resources and far more experience protecting themselves from claims like yours, and carrying stakes high enough that the decisions made in the […]

The process begins the day of the accident, whether you are thinking of it that way or not. The decisions made in the first forty-eight hours — whether you sought medical treatment, what you said to the other driver and to the police, whether you documented the scene, what you told the responding officer, whether […]

Medical Payments coverage — MedPay — is the most underused coverage in the average auto insurance policy, and it is underused almost entirely because people do not know they have it. It appears on your declarations page as a line item with a dollar limit next to it, it generates no separate card, it triggers […]

It depends on which insurance company you are asking, and that distinction is the source of most of the confusion and frustration people experience in the first forty-eight hours after a car accident. There are two insurers potentially involved in your rental car situation — the at-fault driver’s liability insurer and your own insurer — […]

Sometimes, yes. But the word “emergency” does not exist in the insurance claims vocabulary the way it exists in yours, and the gap between those two definitions is where most people run into a wall. When you use the word emergency, you mean that you have been hurt, your car may be undriveable, you missed […]

A total loss claim moves on a different track than your injury claim, and understanding that distinction is the first thing that will actually help you. The at-fault driver’s liability insurer owes you compensation for your injuries through one process. They owe you the value of your car through a separate process, governed by different […]