QuestionI was involved in a head on accident. The other vehicle involved came into my lane of traffic. The driver was not the owner of the vehicle he was driving. Will the owner's insurance on the vehicle at fault be responsible for the repair of my vehicle?
AnswerYes, Chery, the owner of the vehicle will use his insurance to pay for both your property damage and your bodily injuries.
"Head on" usually implies injuries, so I am going to go ahead and address that issue as well.
If you have severe injuries, then you may exceed his policy limits and take on a claim under your own Underinsured Motorist (UIM) coverage.
Here is some information on making your way to the doctor's offices and making a claim once you start to get a handle on your injuries.
Directory of Legal Information on Liability Insurance Policy Limits Settlements in Personal Injury Insurance Claims http://www.settlementcentral.com/page0451.htm
DO NOT SETTLE YOUR CLAIM UNLESS YOU ARE ABSOLUTELY CERTAIN THAT YOUR SOFT TISSUE INJURIES WILL NOT REAPPEAR ONCE YOU STRESS YOUR BODY WITH PHYSICAL ACTIVITIES. That Plays Right Into an Insurance Tactic Regarding Inducing Early Settlement of Injury Claims.
I have seen many cases where the claimant settled before he had put any real burdens on his body, only to find that once he started to do normal spring and summer chores and activities, he was in pain at night and the next morning.
By then he had long ago settled, so there was no one to pay for his medical expenses. His health insurance did not cover chiropractic, and his PIP closed with the release of the tortfeasor. So that is my word of caution to you: don't let them off the hook too early.
By the way, did you know that getting an early settlement is a favorite trick of the insurance adjusters?
Please see my website wherein we show Insurance Claim Adjuster Secret Tactics http://www.settlementcentral.com/page0092.htm
Here is another page from my website that shows in detail why you should never make an early personal injury insurance claims settlement http://www.settlementcentral.com/page0211.htm
Make darn sure your doctor does have updated full information in her records, or the adjuster may not give you credit for what you have been through. Personal Injury Medical Records http://www.settlementcentral.com/page0114.htm
That should both answer your question asked and provide you some needed information should you find you are suffering personal injuries a bit later. By the way, be sure to go to the doctor ASAP then and discuss this accident. It is never too late to make a record of the damages caused by accident impact.
Best Wishes,
Dr. Settlement, J.D.
www.SettlementCentral.Com
