“What if I am in a car accident out of State?”
Auto accidents happen quite often such as while on an out of state road trip or vacation. The insurance claim process can look different than it does in your home state after an out of state crash depending on the laws. Knowing what to do and how to handle these types of auto crash claims may require you to seek assistance from a personal injury lawyer.
The laws that you are familiar with in your home State may not apply in a car accident in another state. In Connecticut, you might be familiar with the State’s car insurance laws, however if you are driving in a no fault state, such as Florida or New York, the fault for the crash may not matter. In no fault states all drivers seek compensation from their insurers’ regardless of fault with the exception for serious injuries. You may need a personal injury lawyer in the state in which the accident occurred for legal advice as to how to proceed with a claim. Complicated out of state accidents often require assistance from attorney’s. Hire a personal injury attorney if your crash involves expensive/extensive property damage and serious injuries. You may also wish to consult with an attorney for the overview of that states motor vehicle accident laws including fault, comparative negligence and statutes that may differ from your home state. A lawyer in the state where your accident occurred could assist with the insurance claims and the personal injury lawsuit process.
“Will my current insurance cover me in another State?”
Yes, your automobile insurance covers you while driving in another state. In general, auto insurance policies do not have restrictions when driving out of state.
After a car accident in another state, call your insurance company to report the crash. Your insurance provider will explain the claim process and investigate the crash. If your insurance company believes the other driver is at fault and liable for your damages it may file a claim on your behalf. If you receive a call from the other drivers’ insurance company within a week after the crash. Be careful when talking to the insurance claims adjuster. Do not accept a settlement offer without first consulting with an attorney.
If you are at fault the car crash or the crash occurred in a no fault state, your own insurance carrier may coverage your damages up to your policies maximum. It should not matter if your crash occurred out of state your insurance provider will still be liable for damages according the language of your insurance policy.