by Ryan Sussman on Jan 22, 2015
We’ve all been in this situation. We were involved in an accident that multiple driver errors led to a crash. One driver swerved, another slammed the brakes, and maybe even a third driver was able to stop before you….. The Fourth driver had no way out = YOU.
You were trapped by a sequence of events that initiated by the first driver being required to swerve to miss an incident. However, you were ultimately the first vehicle to make an impact with another vehicle and now YOU are “at fault.”
At Lamplighter Insurance, many of our carriers allow for ACCIDENT FOREGIVENESS and will not upcharge you for your first accident.
CALL US TODAY TO INQUIRE ABOUT ACCIDENT FORGIVENESS
Do you have enough insurance to cover the damages that you have been deemed “at fault” for?
A commonly utilized factor by the legal system is to take the total expenses incurred by an injured party (medical bills, lost wages, damaged property) and take a multiple between 2 and 4 to assess “Pain and suffering.” Whereas we all know that there is no way to mathematically calculate these, our litigation has defined it into a monetary form.
What does all of this mean for you?
For example: If the person who you impacted had a neck injury and their medical bills were $6,000; and they missed 3 weeks of work which cost them $3,000 – the total expenses are $9,000. Depending on the sympathetic nature of judge or jury, the case could settle for 2-4 times that amount. This brings the cost of this one party’s judgment to $18,000 - $36,000.
CALL US TODAY TO REVIEW YOUR COVERAGE
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Lamplighter Insurance Columbia office9300 Two Notch Rd Suite F