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Insurance Coverage in Personal Injury Cases

Most people understand that in order to have a personal injury case you must have been injured by someone else’s wrongdoing. That much is simple. Most people don’t understand the important role insurance plays in having a good personal injury case.
Auto Insurance
Everyone who drives is responsible for having car insurance to protect other road users. At a minimum, this must include a certain amount of coverage for injuries and property damage done to others by the driver’s negligence. In Colorado, the minimum liability limit for bodily injury is $25,000. There are other relevant coverages though. Many people have medical payments coverage on their own insurance that will pay up to a certain amount, usually $5,000, for medical bills incurred by the occupants of their own car. In addition, most folks have uninsured and underinsured motorist coverage in case they suffer injuries in excess of a negligent driver’s insurance limits. The number of possible coverages in a car accident case make these cases very complicated, so it’s usually a good idea to get a personal injury lawyer relies on to help you with your case.
Homeowner’s Insurance
People who own homes (or less commonly renters) have insurance to cover their property in case of theft, damage, etc. What many people don’t realize is that this insurance also includes a liability policy in case they injure someone else. This coverage will usually require that the act that caused injury did not involve an automobile, an intentional act, or a business. Therefore, if you fall on someone’s property because they didn’t keep it safe, their homeowner’s insurance may cover your losses.
Commercial Insurance
Businesses have a higher duty to their customers than regular people have to each other. Accordingly, almost every business carries commercial general liability insurance. This is particularly true if the business is engaged in a dangerous activity like driving. These policies usually have high limits ($1,000,000 or higher) meaning the business is covered if someone is catastrophically injured by their employees’ negligence.
Professional Liability
Lawyer, doctors, etc. usually carry insurance that protects their clients or patients if they make a mistake during their representation or treatment of someone. This insurance is extremely important because professionals are often placed in a position of trust with respect to their customers. Because of that, when professionals make unreasonable mistakes, their patients or clients can be very seriously hurt physically or financially. These policies are often very different than regular homeowners or auto insurance policies, so if you think you’ve been hurt by a professional’s malpractice, contact a lawyer today.

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