Alleviate Your Concerns With These Answers to Common Injury Questions

While some degree of uncertainty is inevitable, the stress of the unknown associated with a personal injury case can be frustrating. Here, experienced injury attorney Ben Crittenden draws from his years of experience and knowledge of the law to address many of the most common concerns and questions. Find out what to expect from the legal system, how long your case will take, what type of compensation you may be able to obtain, and much more. Don’t see your question? Reach out to Ben today! Take a moment to fill out our online contact form to find the answers you need.

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  • How does insurance protect me after an automobile collision in Alaska?

    Magnifying lens examines car insurance documentsWhen Alaskan drivers are involved in automobile accidents, the insurance claims process can be complex, confusing, and overwhelming. Insurance companies carefully evaluate the details of each claim, in an effort to pay out as little as possible.

    Alaska Is an “At-Fault” State

    Alaska is an at-fault state for insurance purposes. This means that the driver who caused the accident is generally responsible for any property damage, medical bills, and other losses stemming from the collision. Insured drivers have several options for receiving compensation for an accident, including:

    • Filing a claim with their own insurance companies.
    • Filing a third-party claim (a claim filed with the other driver’s insurance company).
    • Filing a personal injury lawsuit.

    Types of Insurance

    Alaska residents can purchase a wide variety of insurance products. Each of these may provide a financial cushion in case of misfortune. The events that trigger an insurance payout will be limited by the provisions of the policy, so a policyholder should review his insurance coverage often to make sure it covers all important risks.

    Among the types of insurance you may wish to consider are the following:

    • Collision. This type of insurance pays for damage to your car resulting from a traffic accident.
    • Comprehensive insurance pays for non-collision damage to your car, such as theft, fire, or vandalism.
    • Bodily injury insurance pays the medical bills and related costs if you’re at fault in an accident that injures or kills someone.
    • Property damage liability. This coverage pays for any property damage if you’re at fault in an accident.
    • Personal injury protection insurance pays your medical bills regardless of who is at fault.
    • Uninsured motorist insurance compensates you if an uninsured driver is at fault.
    • Underinsured motorist insurance compensates you if another driver with insufficient insurance coverage is at fault.

    Complications frequently arise when you’re dealing with insurance companies. Alaska law requires all drivers to carry automobile insurance, but not all of them do. Furthermore, damages can quickly rise above policy limits, or the insurer may simply deny the claim altogether.

    If you dispute the amount an insurance company is willing to pay, many insurers will require you to file suit within two years of the accident. Having an auto accident lawyer is key to getting the compensation you deserve. If you have unanswered questions about your Alaska auto accident case, contact the Law Office of Ben Crittenden by clicking the Live Chat button on this page.

  • Should I contact an automobile accident attorney after a car accident?

    In many cases, you will benefit by retaining the services of a qualified car accident lawyer after being involved in an auto accident.

    Some insurance companies are advertising how quickly they respond to claims, suggesting that they are motivated by their goal of prompt customer service. This is not necessarily true. Insurance companies are in business to make money. They benefit by paying claims quickly so that the claimant will not hire an attorney and make the insurance company pay more in the long run. The unrepresented person is generally not familiar with personal injury law, has no experience negotiating the value of injuries, and therefore does not know what his car accident claim is worth. This all benefits insurance companies.

    In the event you and the insurance company cannot reach an agreement, the insurance company generally is not concerned unless a lawyer becomes involved. It is almost always a good idea to consult a lawyer—at least—before settling your car accident claim with the insurance company.

    Do you still have unanswered questions regarding your auto accident case in Alaska? Contact an experienced personal injury lawyer at the Law Office of Ben Crittenden for a FREE consultation to discuss your legal options. Contact us!

  • Can I recover damages in an automobile accident case if the other driver didn’t have car insurance?

    Assuming the car you are driving in is insured, your auto insurance policy will most likely have an uninsured motorist provision, which means you may have a claim for uninsured motorist benefits under your own policy. Lawyers refer to this as a UM claim.

    If you make an uninsured motorist claim, your own insurance carrier has the right to use all defenses that the other at-fault driver may have had against you. An uninsured motorist claim therefore essentially creates an adversarial relationship between you and your own insurance carrier. This adversarial relationship with your own insurance company surprises many people and often creates the need for an attorney to become involved. Consequently, it may be wise to talk to a personal injury lawyer before making an uninsured motorist claim.

    Do you still have unanswered questions regarding your auto accident case in Alaska? Contact an experienced personal injury lawyer at the Law Office of Ben Crittenden for a FREE consultation to discuss your legal options. Contact us!