PRACTICE AREA DETAILS
- Lawyer Baskin Jones
- Skills Personal Injury Law
- Location Jackson, MS
- Practice Areas Personal Injury Law
ABOUT THIS PRACTICE AREA
Car Accident Lawyer Jackson,MS:
There are around 600 fatal car wrecks in Mississippi each year. There are far more wrecks resulting in injuries from minor to lifelong altering disability. Mississippi requires that drivers carry a minimum of $25,000.00 per person $50,000.00 per wreck. If you or a loved one have been injured in a car wreck contact a Mississippi Car Wreck Attorney for a free, no-obligation consultation.
Car Wreck Attorney
When two cars that each weigh thousands of pounds are traveling at highway speed and crash the results can be devastating. Each driver on the road has the duty to drive as a reasonable person like us would drive in the same situation. (to not drive negligently) If a driver fails to drive as a reasonable person would drive and causes and accident or injury in another person then there may be a claim for negligence against another driver. Experienced car wreck attorneys can evaluate your claim and see what the insurance company is willing to pay a lawyer.
More and more in our recent car wreck cases we have seen distracted driving. Drivers who cause wrecks are often using their cell phones to surf the internet, write an email or send a text message instead of keeping their eyes on the road. This type of distracted driving (texting while driving, cell phone use while driving) is the subject of new laws in several states. It is easy to see why so many car wrecks and 18-wheeler wrecks in Mississippi occur when eyes are on a screen rather than paying attention to where other vehicles are on the road. In the car wreck and 18-wheeler wreck cases we work on one of the first steps we take is to get the entirety of the cell phone records for the driver who caused the wreck. If activity on the phone is shown during the time immediately before the wreck it becomes clear just how the wreck occurred.
Our firm completely supports the recent campaigns to stop texting and driving or emailing and driving as these activities cause major motor vehicle accidents where people lose their lives. With just a little more attention on the road and self control many individuals would still be alive and with their families.
We know how much paperwork there is in a wreck and how many phone calls to an insurance company there may be. We will help you get back to your normal life while we communicate with your insurance and work for you to see that justice is done.
In Mississippi the statute that determines who has the right of way and who should have yielded the right of way is Mississippi Code Statute 63-3-1003 which is entitled “Designation of yield right-of-way entrances; conduct of driver at yield right-of-way intersection; proof of failure to yield right-of-way.”
MS Code Ann. § 63-3-1003.
(1) The state highway commission with reference to state highways under its jurisdiction and local authorities with reference to other highways under their jurisdiction may, when traffic conditions warrant such action, give preference to traffic through any intersection on any highway and designate specified entrances to said intersections as yield right-of-way entrances by erecting yield-right-of-way signs in lieu of stop signs as required or permitted in section 63-3-1001.
(2) The driver of a vehicle in obedience to a yield-right-of-way sign shall reduce the speed of his vehicle to not more than twenty miles per hour and shall yield the right of way to other vehicles which have entered the intersecting highway either from the right or left or which are approaching so closely on said intersecting highway as to constitute an immediate hazard. However, said driver having so yielded may proceed at such time as a safe interval occurs. (3) If a driver is involved in a collision at an intersection or interferes with the movement of other vehicles after driving past a yield-right-of-way sign, such collision or interference shall be deemed prima facie evidence of the driver’s failure to yield right-of-way.
Car Accident Lawyer Jackson, MS: When Mississippians, or anyone for that matter, find themselves in a car wreck or motorcycle wreck it often happens that they are overwhelmed with the amount of information around them and shaken up by the wreck itself. It helps to have a game plan beforehand so that you can gather the necessary information. The best way to accomplish this is to print out helpful information like this car wreck check list and put it in your glove box or other storage area.
- Call 911 or have someone else call 911 and report the wreck. If someone is seriously injured, one of the drivers has been drinking or there is another strange circumstance about the wreck, be sure to mention that in your phone call. (having the police generate an accident report and getting this accident report is often the first step in making a successful insurance claim).
- Attempt to get as much contact information as possible from eyewitnesses to the wreck. Often police officers arrive too late to talk to many of the individuals who
- If you feel head, neck, back or shoulder pain, it may be best to go ahead and get checked out. The adrenaline and excitement that are involved in a wreck sometimes dull the pain that someone who has just been injured in a wreck would normally feel. Certain head, back and neck injuries are very serious and are worth the trip for the diagnostic testing. The next morning or two days later the muscle tears, back injuries and ligament damage soreness starts in full force. Getting checked properly at the hospital if you felt sharp pain at the scene of the wreck is always a good idea. If you do consult a physician be specific about the areas that are hurting and when the pain started.
- Get contact information from anyone else involved in the wreck. If someone else says they are injured make a note of this with the contact information.
- Make other notes at the scene of the wreck and take pictures with your smartphone of damage to vehicles and skid marks. These will be invaluable later on. Make notes on the road conditions, if there was ice, rain or other complicating factors and also if the area was properly lit.
- Did anyone when talking to the police claim fault or take the blame for the wreck?
- Be sure the police officer gives you an information sheet of the expected report number, his badge number and the names of the other drivers.
- At this point it may be beneficial to contact a personal injury attorney to determine your next steps. If you do hire a Mississippi Car Wreck attorney to handle your case, you can simply say, “talk to my attorney,” to the insurance company.
- You will also want to contact you own insurance carrier and make them aware of your property damage and personal injury, but you should not give a statement.
Car Wrecks, Motorcycle Wrecks, Hit pedestrian
The above car wreck check list is provided free as a service to the community. Please feel free to print it and distribute it.
Car Accident Lawyer Jackson, MS: Of all the wrecks which occur across the country and in the state of Mississippi some 95% percent of the injury claims arising from these wrecks are settled before going to court. Given the initial offers that our firm sees every day it is clear that these individuals are not getting a fair shake when settling, and many settle far too quickly to allow for the entirety of their injuries to surface. Advice from a Mississippi Car Wreck Attorney might change these odds.
It should be remembered at all times that Insurance companies are for profit ventures and most insurance companies in Mississippi and nationwide have shareholders who expect to be paid dividends by the company. This means that the main concern of most insurance companies is their own bottom line when settling and not making sure that the individual insurance customer who has just experienced a traumatic event is truly taken care of the way they should be. Often the initial offer by the Insurance company is to determine if the individual will go away with a small amount.
Before an insurance company writes a check for any amount they typically ask for a waiver of any and all claims that the injured person may have. This waiver means that even if additional injuries surface the check will be the only payment that the injured driver will likely receive.
What you should learn from all this is that an individual should not attempt to deal with the insurance company on your own if you have bills that need to be paid or the potential for ongoing injuries. With the help of an Mississippi car wreck attorney these numbers will increase. It will be important to document whatever you can from the moment right after the wreck all the way through your medical treatment. Take a special interest in your own case, in your medical treatment and make sure that those who are responsible for taking your information record this information properly. Not doing these simple things can come back to bite you later when settling with an insurance company.
- Hire a personal injury attorney if you feel you’re being pressured to agree to a quick settlement, or if you think the compensation is inadequate, or even if you don’t understand the claims process. These lawyers will level the playing field, as it were, bettering your chances of receiving fair compensation.
Of all insured injuries in the United States something like seventy five percent are never filed because the individual does not understand that they have insurance coverage and that it would apply in a situation like the one they are in to pay certain medical bills. Of those 25% that are ever filed with an insurance company, many of those who make the claims take the initial offer which is often only a fraction of the damage that has actually been done to the body and the life of the individual.
Car Accident Lawyer Jackson, MS: Every day people are hurt in car wrecks in Jackson Mississippi. These wrecks range from fender benders to life-threatening collisions. Each car wreck in Jackson has its own set of particular facts injuries and complications so it may be advisable to find an attorney who practices in car wrecks in Jackson and shows up in search results for car wreck Jackson.
Who is responsible for the wreck?
This is one of the biggest questions to be asked in these claims and the first question that will be asked by the insurance company and your attorney. The typical rule is that any time a vehicle is rear ended or Struck from behind it is likely the vehicle doing the striking is responsible for the wreck. They had an opportunity to avoid the wreck by simply slowing down and watching in front of them.
When a wreck occurs at a stoplight what the light was doing at the time of the wreck will be the first question to be asked before it becomes clear who caused the wreck or whose fault the wreck was. Jackson Mississippi car wreck attorneys move quickly to make sure this information is preserved and that any witness information is gathered early in the process. This makes the case more clear if there is any argument about who did what in the wreck.
If you have a question about who is responsible and a wreck you have been in are attorneys offer free consultations and would be happy to talk to you about this part of your claim.
Who will pay for my damages?
In Mississippi motorists are required to carry liability insurance just in case of a wreck. Those who are found without a proof of liability insurance card are often ticketed. The fine for not having liability insurance in Mississippi is $1,000.
We often see $100,000 in available insurance to cover medical bills lost work and pain and suffering in wrecks that occur in Jackson, Mississippi. In any instance where someone has damages as a result of another’s negligence it may become necessary to have an attorney that can be found after a search for car wreck Jackson to pursue your car wreck claim.
Our attorneys are available by phone email and chat twenty-four hours a day to discuss your claim and answer any questions you may have free of charge. This is called our free no obligation consultation. Our number is 601-272-2406.
Car Accident Lawyer Jackson, MS: If you are looking for a car wreck attorney in Mississippi there are several things you should consider in your search. First finding information from an attorney that fits your experience, your particular injuries. Attorneys that you would look to consult should have experience in your particular legal need. They should have worked with people like you. They should be able to show you results in the cases that they have taken in the past.
There are hundreds of attorneys in any legal market, but it is vitally important to consider your options and the reviews of other individuals in your situation when choosing a car wreck attorney in Mississippi. One way to do this is to consult legal recommendation websites such as Avvo or Martindale Hubble. These services provide a place for normal people to leave their impressions and experience.
Car wreck attorneys in Mississippi will begin to investigate your claim, and provide advice about the other driver’s insurance coverage and any specialist medical treatment you may need as a result of your injuries.
Yes it is true that a majority of drivers have auto insurance. In Mississippi every driver is required to carry 25,000.00 per person in bodily injury coverage to ensure that injuries done by a driver are paid for. Insurance companies attempt to pay the lowest number that will resolve the claim. Often they are successful because injured people do not know the extent of their injuries or the value of their claim. They simply accept the first offer that is made to them.
The typical message to a client concerning the injuries is do what your doctor tells you, be sure to communicate clearly what you are experiencing, how often you experience it and when this all started.
Car Accident Lawyer Jackson, MS: One thing we see over and over with insurance is that there is a lack of understanding concerning what insurance coverage includes. The first reason for this is simple, different companies offer slightly different insurance coverage. Some insurance policy forms are copied, but there is still a difference between carriers. You can always call and request a full copy of your insurance coverage policy from your insurance company. In Mississippi, a person is deemed to have read their insurance policy and understood its coverage the day they receive it in the mail. If the law treats you as having read the entire policy and understood what it said then you better believe your insurance company will hold you to the same standard.
The best solution is to read your insurance policy for the contents of your insurance coverage. As you read your policy you will see a set of definitions, a set of coverages and a set of exclusions to coverage. While the language of these sections may be dense, you will be able to see offered insurance coverages. One distinction in some property coverages is whether damage done to your property by a tree is covered. Damage done by wind is sometimes written into coverage, but the location of the branch and ownership of the tree sometimes limit coverage or exclude coverage.
Often it is best to bring the language of your policy to an attorney who practices in this area. Insurance coverage is heavily argued but insurance companies have to have a legitimate basis to deny your claim. If you have read the policy, or provide your policy to an attorney during a free consultation they will provide the answers you need.
Car Accident Lawyer Jackson, MS: Automobile accidents are used as a buzz word by Insurance companies. This name of choice exists because it by definition the conduct leading to these injuries is unintentional and inadvertent. Car wrecks are one of the top causes of injury in the United States. The word accident also makes it difficult to think about deaths and lifetime injuries caused by an automobile accident. While it is true that negligent conduct causes many of wrecks that occur in the United States, careless decisions are often the root cause of automobile accidents. Distracted driving is on the rise, and the choice to pay attention to something other than the road is a decision that often leads to injury. Another cause of automobile accidents is defective parts in cars.
Most states have laws requiring drivers to carry insurance coverage, but juries will never be told about any coverage.
Negligence is the legal term for whenever someone acts in a way that a reasonable person wouldn’t act. Staring at your cell phone while traveling at highway speeds should automatically fall into that category. The law calls us all to act reasonably, and to use consideration for our fellow men. When an individual’s negligence causes injuries, medical bills, lost work and future medicals the law requires repayment of these amounts as much as possible.
The amount of damages owed in any injury case is dollar for dollar the amount it would take to fully put an injured person or their family back to the way they were prior to the wreck. There are injuries and changes to a life that money cannot repair, but the job of the jury is to make this determination at trial. What is the cost to a person to live day to day with pain for the rest of your life, or to lose the ability to pick up your children?
In a lawsuit there are times when negligence as a matter of law can be established. This sort of negligence is also called negligence per se, but can be shown where a defendant breaks traffic laws or statutes in causing the wreck. If a wreck is caused as a vehicle drives the wrong way on the road or while the driver is intoxicated.
Car Accident Lawyer Jackson, MS: In car wrecks passengers are in a unique position. A passenger injured in a Wreck Mississippi is most often not responsible for a wreck occurring. This doesn’t mean that passengers are less likely to be injured in a wreck.
Passengers face the same sorts of injuries as drivers, broken bones, and neurological damages. Whatever the cause of the wreck, there is someone other than the passenger that will potentially be responsible for paying for the injuries.
In Mississippi Insurance coverage is required for any driver on the road, but juries will never be told in a trial that insurance coverage will pay for the damages they find to be caused by a defendant. Insurance coverage will be necessary to pay for any damage sustained by a passenger and begin the process of putting the passenger’s life back together.
Often time making a claim against an insurance company will result in low-ball offers which may not even pay all of your medical bills. Whenever an insurance company makes an initial offer it is always a good idea to talk to a personal injury attorney about this offer prior to accepting it. At the very least your free consultation with one of our Mississippi Personal Injury Attorneys can give you peace of mind about your claim, your injuries, lost work, ongoing disability, medical damages and any future medical bills you may have to pay before accepting a settlement.
Contact us today if you would like to speak to an attorney about your claim.
Car Accident Lawyer Jackson, MS: Immediately after a wreck (for Wreck Insurance Claim) the people who were in the wreck will exchange information and the police officer who responds to the scene will attempt to gather the facts of the wreck. It will be necessary for you to gather as much information as possible at the scene of the wreck. Photos, and information for any witnesses who may have seen the wreck. It is also important to look around for video cameras near the scene of the wreck as well as these systems often record over old footage in a matter of days. A personal injury attorney will make sure to obtain these videos as quickly as possible.
In the days following the wreck a claims representative from your or the other driver’s insurance company will attempt to call you and take a statement about how the wreck occurred. It is not in your best interest, and this can be used against you later as your case progresses. Once you hire a Mississippi personal injury attorney your case will continue on and you should be protected from many of the pitfalls that commonly occur to individuals who represent themselves in personal injury actions.
Often insurance companies will attempt to settle a claim early to avoid having to pay the full value of a claim. Insurance companies settle up to 95% of claims with an early settlement that is some fraction of the actual value of the claim or the potential future lost wages and necessary future medical treatment.
When you receive an initial offer from an insurance company you should seek out a personal injury attorney who offers a free consultation and let them talk you through the value of your claim and what you may be giving up by signing a release and forever giving up your claim.
Representation by a Mississippi Personal Injury Attorney will likely be on a contingency fee basis. This means that nothing will be paid to this attorney and the attorney will advance any necessary legal expenses up until the point when the case is settled. The attorney’s fee will be paid as a percentage of the total amount of recovery. This means that your attorney has every incentive to ensure that you are paid the full value of your claim. (Some high percentage of what a jury would likely award at trial).
As you finish treatment with the doctors who have taken over your care, your attorney will request these bills and records as well as future prognosis of what other medical treatment you may require. Your attorney will also gather additional information concerning your losses, lost work and future treatment and make each of these a part of a demand packet to be sent to the insurance company, with some deadline of when the insurance company has to respond to the lawsuit.
IF a fair settlement value is offered by the insurance company, it may be possible to settle the claim without the need to file the lawsuit. If a fair value is not offered your attorney may file the lawsuit and begin litigation of your case, looking forward to the day your claim will eventually be heard by a jury.
Car Accident Lawyer Jackson, MS: Runners or Walkers are in increasing danger on the roadways of Mississippi. Walkers are frequently injured or killed and at a rate that is just behind injury or death to a passenger in a motor vehicle wreck. We teach our children to pay attention and look both ways before crossing the street. Sometimes this training is not enough to prevent injury or death while on foot as a pedestrian.
The injury rate for pedestrians is in the thousands every year, and with distracted driving due to cell phones, email and text messages, this number is only going up. Any pedestrian or bicyclist who is injured by an automobile has a potential claim for damages as a result of his injuries. If you or a family member are injured by an automobile while a walker our attorneys are standing by to answer any question that you have about your injuries and ongoing medical treatment.
At the scene of the wreck it is important to get any information you can about the wreck, the names of the drivers, get a police report for the wreck and get any medical treatment that you may need. Evidence at the scene of the wreck my also be important: information about the location of the wreck, the contact information of any witnesses, the contact information of the driver, and any insurance information that may be available at the scene of the wreck.
A witness of the wreck may be important to establish liability on the part of the at fault party. Usually, pedestrians have the right of way and vehicles should yield to them. It may be helpful to have an attorney assist you prior to giving any statement.
Car Accident Lawyer Jackson, MS: Tips When You have Been Injured
Things Which You Should NOT DO:
- Give statements. Just as in criminal matters when you give a statement it may be used against you later, but your statement will likely NOT be of any use in the matter. Tips when you have been injured.
- Do not make definitive statements about your medical history unless you are certain of your answer. If you are hazy or don’t remember completely, explain that rather than making a blanket statement.
- Do not move or quit your job without providing this information to your attorney.
Tips When You Have Been Injured:
- Be sure to always provide an updated set of contact information to your attorney.
- Take pictures: of your injuries, of the scene of the wreck, of the vehicle.
- Records: if you receive bills or records from your physician provide us with this information for our file.
- Inform us of any changes at work, any change in your restrictions, salary etc.
- Send us paperwork you receive from any source.
- Be sure to provide your physician detailed information concerning your injuries, when they started and the type of pain you are experiencing.
Five BIG MISTAKES injured people make:
- Saying they are “OK” when they are in pain.
- Not seeing the doctor when in pain.
- Skipping scheduled doctor’s appointments.
- Talking about your injuries or your wreck to anyone who is not your attorney or doctor.
- Failing to fully describe your injuries, type of pain or accident to the Physician who is treating you.
Car Accident Lawyer Jackson, MS: In car wrecks, often people assume that after the police report is taken and insurance information is exchanged that the claim is all over. The fact of the matter is that if someone else in the wreck makes a claim against you or you are sued a minefield stretches in front of you and without an attorney you are left navigating this minefield with little or no help.
At the scene of the wreck.
Typically we tell individuals to provide your personal information at the scene of the wreck but you are not required to give a statement about what caused the wreck. The police officer who arrives at the scene will write down each party’s version of the events. Often what is said in this exchange will be used against you in the future.
We recommend taking photos at the scene of the wreck, immediately having your attorney request available video footage and getting the name and number of anyone else who witnessed the wreck. This information may be very important in protecting your interests and ensuring that the story of the wreck is told exactly as it happened.
Sued after a car wreck
Once you are given notice of a claim against you or you are served with a lawsuit insurance companies have requirements about providing them with a copy of this information, and the insurance company will determine if coverage exists. Be sure to contact your carrier and let them know you have been served with a lawsuit. The insurance company will hire an attorney to protect their own interests, in many situations it may be the case that you are also entitled to a separate attorney to protect only your interests and property.
Insurance Companies conflict of interest
There are many situations where your interests are different from that of your insurance when you have a claim against you or are sued. For instance, an insurance company wants to get a discount on claims that are made against the policy, while you might just want the case settled without having to pay above the amount of your policy. The insurance company’s offers may put you in a situation where the insurance may gamble with your future instead of settling a case that should settle without a lawsuit or trial.
Get your own attorney
Our attorneys have often represented individual’s separate interests to make sure that our clients have not been left hanging out to dry. If you have additional questions about this independent representation feel free to contact us for a free consultation. In most instances the individuals we represent will not receive a bill from our firm for our services. The Insurance company will be responsible for individual attorney fees. Our firm can be reached at 601-272-2406.
Car Accident Lawyer Jackson, MS: Soon after a wreck or injury, you may be called by someone who is a representative of the insurance company, or the insurance company of the person responsible for you injuries. These individuals often seem to be genuine and express concern for your individual needs. With any communication to these individuals it should always be in the forefront of your mind that the insurance company and its shareholders want to minimize the amount that is paid on any given claim. One tactic is to discuss only the bare minimum of the injuries that occurred in the wreck, another way is to push you to give a statement very soon after the wreck before symptoms and soreness have really set in. This is called limiting the claim and insurance adjusters and accidents specialists at the insurance company do it every day to attempt to talk injured parties into accepting early, low settlements.
Another part of the process utilized by insurance adjusters in accidents is to suggest that you had some of the blame in the process (fault). Insurance adjusters and accidents specialists are able to cut payments by 1/2 or 1/4 when they are able to convince you in this way. Also, insurance adjusters are happy to tell you how easy the process is and that you will not need a lawyer. Keep in mind that this individual’s job is to minimize your claim, and pay for as little of your damages as possible. (see other posts on damages).
We recommend always being kind to adjusters, but that the easiest way to separate yourself from the dangers of a conversation with an insurance adjuster is to tell them you are represented by an attorney. At that point the adjuster is required to stop talking to you and communicate directly with your Mississippi Personal Injury Attorney. You are not required to give an oral statement to the other side’s insurance adjuster.
Car Accident Lawyer Jackson, MS: When people search for “wreck attorney Jackson” immediately after they are involved in a car wreck there are several things that they should consider. There are many attorneys handling car wrecks in Jackson Mississippi and some of those attorneys handle cases in volume and do not learn the specifics of your case or really seek to provide you with a full recovery.
A Wreck Attorney in Jackson should know the case of his client and make sure that before a case is settled that his client will not need additional medical treatment or surgery, has not missed work as a result of the wreck, does not have other damages which should be considered prior to settling this case.
Making sure that clients seeking a wreck attorney in Jackson receive a positive experience is important to us, and our attorneys are available to discuss your claim, and what it may take to get you and the insurance company to the right amount to fully recompense the injuries received in the wreck.
Car Accident Lawyer Jackson, MS: More and more we are finding that certain wrecks could be avoided if drivers were not distracted. Recent studies have shown that cell phone text messaging and calls while driving all make a driver more distracted and make a driver’s reaction time slower. Slower reaction time for the distracted driver often means that avoiding an obstacle in the roadway or braking for slower traffic ahead will take longer. A recent Miami University study found that this delay could make a reaction take up to 24% longer than a normal stopping or avoiding reaction and account for around 10 feet of additional distance needed to stop when traveling 65 miles per hour,cell phone causes a wreck.
This study and studies like it make the necessity of laws restricting distracted driving and advertising campaigns to end distracted driving appear all the more necessary. When a wreck appears that it may have involved cell phone usage in text messaging or a phone call, cell phone records from the carrier may be very good evidence to show how the wreck occurred. These records must be recovered quickly if they are to be recovered at all, and are often recovered by a subpoena being issued to the cell phone carrier. Each cell phone provider keeps records for different amounts of time.
If you or a loved one has been injured in a wreck and believe that the other driver was at fault for any number of reasons or want to know what to do when a cell phone causes a wreck, our attorneys are available to discuss the wreck and what can be done to recover cell phone records after a wreck.
Car Accident Lawyer Jackson, MS: In any wreck there is a certain amount of property damage to the vehicles involved and a number of questions immediately come up: How do I get my car fixed, Where do I get it fixed? How long will this process take? Who do I need to contact? Do I get a rental car under my insurance policy?
Where do I get my vehicle fixed?
The decision of where to have your vehicle repaired is yours. There are always body shops that are preferred by insurance companies, but you will likely want to ensure that OEM (original equipment manufacturer) parts are used in repairing your vehicle. This will make sure that the parts used in your vehicle are exactly the same as what you had prior to the wreck and not a part from some other unknown source. The insurance company may negotiate the amount they are willing to pay the repair shop from this point.
Will I have any additional expenses in this process?
The insurance of the at fault party (the person who caused the wreck) will be responsible for towing, repairs and reasonable storage fees during the repairs. If your vehicle is totaled then the towing to an auction, salvage center or wrecking yard.
Is my vehicle totaled?
If the cost to fix your vehicle is greater than the total value of the vehicle then your vehicle may be deemed a total loss and the insurance company will pay you the value on the market of your vehicle. This value will be calculated by the cost of similar cars and trucks around you.
Do I get a rental car under my insurance policy?
This will depend on your policy. Most policies allow you to purchase additional coverage to be ensured a rental vehicle in the event that your car needs to be repaired.
Car Accident Lawyer Jackson, MS: Sometimes to it is unclear to those people I talk to if a passenger can recover for any injuries they sustain in an automobile wreck in Mississippi. Passengers are typically free of liability in the wreck (the exception being when a passenger fights with the driver or distracts the driver in some way). Passengers can have their damages (medical bills, pain, lost work, future medical bills) paid if they are injured as a result of someone else’s negligence. Sometimes this is the person sitting next to them and driving the car, and sometimes the driver of the other car. In either case, a passenger is by law to receive compensation for all damages caused by a negligent party passengers injured in wreck.
Passengers who are injured will likely want to seek medical treatment immediately after the wreck or when the adrenaline of the wreck wears off and pain begins to set in.
For anyone who is injured in a wreck it is very important to gather information about the wreck, potentially getting the name of both drivers, how the wreck occurred, what the condition of the road was and potentially getting the names of other witnesses of the wreck.
Car Accident Lawyer Jackson, MS: Mississippi has state minimum policies in place of $25,000.00 per person and $50,000.00 per wreck in liability coverage. This means that at minimum, every driver in Mississippi is required to have at least $25,000/$50,000 in coverage to pay by damage done by the driver to other vehicles and injuries sustained by other people in wrecks. Mississippi insurance companies often offer higher amounts of coverage, and this may be a good idea if you are someone with more financial resources auto insurance cover.
Other auto insurance coverages available in Mississippi include medical payments coverage, gap insurance, uninsured motorist coverage or underinsured motorist coverage. Medical payments coverage or medpay for short are auto insurance coverages (often between $500 and $2000) that are paid for medical treatment needed after a wreck. Your individual policy would provide medpay for you and often for other persons in your vehicle at the time of the wreck. These amounts can be used to reimburse any medical expenses paid out of pocket after the fact as well.
Gap insurance refers to coverage for property damage that will ensure that the difference in value between the vehicle you are driving and a replacement is covered, to help get you in a new vehicle after a wreck.
One of the most important but most overlooked types of insurance is uninsured motorist auto insurance coverage also known as underinsured motorist coverage. This coverage provides people in Mississippi with options when they are effected by a wreck which is not their fault and the other driver doesn’t have enough insurance. This coverage will pay if the other party doesn’t have enough coverage to handle the injuries. The coverage is held by the injured person and applies to all the persons living in the same house with them. Also if there are multiple vehicles on one policy the driver is allowed to add these policies together. This is why we recommend insuring vehicles together, and carrying this insurance.
The purpose of auto insurance coverage is to pool resources and pay claims from those pooled resources when there is a covered event. The rub in any insurance arrangement is that most insurance companies are for profit businesses and will go to great lengths and spend large amounts of money to prevent paying claims.
Insurance companies are not supposed to deny claims without reason. Often individuals who have been injured hire attorneys to ensure that they are paid the value of their claim. Many times the plaintiff does not ever have an offer to settle a claim that will account for 30% of the value of the claim that is eventually paid at trial. This means that often insurance companies undervalue claims, and are willing to pay Insurance company attorneys by the hour to fight claims.
Collision coverage will cover damage to your vehicle independent of the negligence of another.