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Anatomy of a car accident case?

Car accident. Make claim on drivers insurance for property vespucius06/10/17
In my jurisdiction you'd open a claim with the wrongdoer's i tcpaul06/10/17
Does your state mandate personal protection insurance covera ejs201706/11/17
vespucius (Jun 10, 2017 - 5:01 pm)

Car accident. Make claim on drivers insurance for property damage, repair, dimunition, and rentals, personal injury, medical bills, permanent injury, lost wages, pain and suffering.

Would the plaintiff ever make a claim on their own insurer?

Just wondering what a plaintiffs attorney would advise the car accident victim.

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tcpaul (Jun 10, 2017 - 6:34 pm)

In my jurisdiction you'd open a claim with the wrongdoer's insurer. You'd also put the client's insurer on notice as there may be underinsured motorist coverage.

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ejs2017 (Jun 11, 2017 - 8:01 am)

Does your state mandate personal protection insurance coverage? In my state it's mandatory.

Therefore, in my state the person in your scenario would look to their own carrier for their economic damages, i.e., work loss, medical bills, and medical related allowable expenses (household replacement services, attendant care, medical transportation). The third-party claim would be for hedonic damages which would include economic damages not covered under the person's policy, i.e., excess work loss.

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