4 Tips For Getting What You Pay For From Your Insurance Company

16 March 2018
 Categories: Law, Blog


When you are injured in a car accident, you have to work with your insurance company in order to get the compensation that you deserve. Depending on the insurance coverage that you pay for, there are different benefits that you can expect to receive. A personal injury attorney can make sure that you get all the benefits that you pay for from your insurance company.

1. Towing

If you have roadside assistance, you should not have to pay to tow your vehicle from the scene of the accident. You should be able to call your insurance company, and they should be able to find a towing company that can come out and help you immediately. You should not have to pay the tow truck driver anything for their services. You may have to sign a document so that your insurance company knows that you got the services that you asked for, but no money will need to be exchanged for the towing service.

2. Rental Car Assistance

If you pay for rental car assistance or reimbursement, your insurance company should be able to set you up with a rental car while your vehicle is being fixed. Your insurance company can call and set up a rental with your local rental car agency. Instead of billing you, the rental car agency will work with your insurance and bill them instead. You also get a discount on your rental as well.

With rental car assistance, you are provided with either a set amount per day for a rental car or a set amount for a period of time. If you exceed that per-day amount or length of time for the rental, the rental car company will generally still extend the insurance discount for the rental to you.

3. Lost Wage Reimbursement

Your insurance should compensate you for time you missed at work because of an accident. For example, if you missed work the day of the accident because of what happened, or if you had to miss work for a week because of what happened, you can get back the money that you lost out on.

If you were seriously injured and missed a significant amount of work, or if you have lost your ability to work, you should be compensated for that as well.

4. Medical Bills

Next, your medical bills should be taken care of. The amount of medical bills that are covered are specified under the personal injury protection portion of your insurance coverage. In most states, there is a minimum amount of personal injury coverage that you are required to carry; you have to pay more for a higher amount of coverage and protection.

This is just some of the coverage that you may qualify for based on the type of insurance policy that you have. Your attorney can go over your insurance policy and ensure that your insurance company is providing you with access to all the benefits that your policy allows for.