Car Insurance For Dodge Ram Owners
When you meet with a Dodge Ram car accident lawyer, you are likely to be asked if you have filed a Dodge Ram Class Action Lawsuit. If you have yet to do so, you are missing out on one of the best opportunities to receive compensation for injuries you have sustained as a result of a car accident. If your vehicle was seriously damaged in a wreck, you may have suffered permanent injury or you may even have lost your ability to drive. Whatever the case, receiving compensation from an insurance company to cover your medical bills and replacement of your vehicle is essential.
Your Dodge Ram car accident attorney can help you understand the basics of filing a class action lawsuit.
First, he will assess the extent of your injuries and how extensive are the physical disabilities you have suffered as a result of your wreck. The next step involves assessing the financial impact you have suffered as a result of your accident. A class action lawsuit involves filing suit in a single consolidated class of individuals rather than having you file individual lawsuits against individual businesses or drivers. The benefits to filing a lawsuit in this manner include having more individual claims against those responsible for your injuries.
Once your lawyer has assessed the extent of your personal injury and how much each claim will cost, he will present a financial projection of the expected results based upon those figures.
Then, he will ask you to sign a Class Action Release and agree to receive monies from the settlement funds for a specified period of time. In most cases, the expected payout is less than what you would receive as compensation through normal car accident settlements. However, it should be noted that in some cases your car accident settlement award could be higher than your car loan balance. As such, you should consult with your personal injury lawyer before agreeing to release monies from your settlement.
If you decide to file your personal injury lawsuit against the other party involved in the wreck, he will instruct his lawyer to contact the Insurance Company of the driver of the other vehicle.
The Insurance Company, which is liable for any damage to property suffered by you as well as any medical expenses incurred by you, will be well aware of any prior incidents involving the insured car in accidents. As such, your lawsuit will not only seek to hold the negligent party accountable for damages you have sustained, but also to penalize them for the negligent actions of another.
Dodge Ram car owners are often unaware that they can seek Personal Injury Protection (PIP) benefits in situations like these.
Dodge Ram’s PIP plans are designed to provide monetary assistance to drivers who sustain injuries in car accidents that are not their fault. What’s more, PIP does not require an out-of-pocket cash outlay. Simply put, if you are injured in a Dodge Ram crash, you can rest assured that you will receive the help you need. PIP plans offered by Dodge Ram dealers offer different levels of benefits, so you can talk to your Dodge Ram personal injury attorney to determine which plan is best suited to your needs.
Medical benefits. In many car accidents, passengers who suffer minor injuries will receive medical treatment that is covered by the policy. Your medical expenses will depend on the severity of your injuries and age at the time of the accident. As may be expected, if you are young, the cost of emergency or hospitalization care will be much higher than those who are older. While you cannot afford to get your car accident totally covered under your Dodge Ram insurance plan, you can rest assured that you will receive the same level of medical attention regardless of your current state of health.
Pain and suffering. During a car crash, you may suffer various injuries from broken bones to traumatic head injuries.
If you have experienced the loss of a loved one in a car accident, you may also be able to file a personal injury claim that includes the payment of lost wages, pain and suffering, and a share of your dependent’s future income. Car accidents that include the death of a passenger on the passenger side may also entitle you to a wrongful death claim.
Accident forgiveness. Some states forgive your policy’s liability for an accident, called “affirmative defenses.” If you were found at fault for causing the accident, but no damages are awarded to your legal counsel, this is called “affirmative defenses.” You can still file a car insurance claim in these instances, but the insurance adjuster will not consider adding them to your coverage. This means that the insurance company will not increase your policy’s liability limit in cases like these.