In most of the cases, accidents implicate damages and damages implicate costs. In every case, someone is going to have to pay these costs and that someone is either a participant of the accident or an insurance company. If the accident is somewhat complicated and there are difficulties to determine the responsible person or entity, the best solution for the party which suffered various damages is to hire a lawyer. Who and how moch will pay and what is deductible for your car insurance lawyer will not represent any problem. Regardless whether you incure health damages, property damages involving your car, your expensive belongings, etc., the key for identifying the exact amount which has to be paid lies somewhere in your insurance contract. It is very probable that you are going to have to take your share in paying the expenses, a smaller amount in proportion with the total expenses which will be deductible for your car insurance lawyer. The attorney may refer to the process of recovering these expenses as “subrogation”. That is, after the whole issue will be brought to an end. Because it is not always crystal clear who pays what and when. For instance, you may think it is always the responsible driver who pays the damages. However, in many cases not only the responsible driver denies to pay, but the insurance company takes his or her side. And then you find yourself facing a complicated procedure where you are forced to prove you are innocent and gather evidence showing that the other driver is guilty.
9You may be surprised to hear that in many states there is a so-called “no-fault insurance system”. In this kind of systems you have the option to pay your predefined share of costs to your own insurance company and they will take over the rest of the expenses, even if you are not responsible for the accident. Later on, the sum you paid will be deductible for your car insurance lawyer. Unfortunately, this option only covers the medical damages, the recovery of property damages will still be a long process. If you are lucky, then the other participant in the accident does not have insurance and he or she has to pay all of damages without any complications. Of course, for that you also need to have coverage for uninsured motorist property damage in your policy. In this case, there will be no deductible for your car insurance lawyer to process or recover.