Can I collect a car insurance settlement from both my insurance coverage and the other driver’s coverage?

Miley Legal Group

Car insurance settlements may involve one’s own insurance policy and that of another driver if the other driver is at fault for the accident. West Virginia is a fault insurance state, so drivers who are at fault for the accident are also responsible for any damages it causes.

However, initial car accident compensation may come from one’s own insurance company, which may then seek to recover from the other driver’s coverage. An attorney for car accidents in Clarksburg, W.Va., can help victims as they pursue compensation.

Reaching Car Insurance Settlements with Multiple Insurance Companies

West Virginia’s minimum car insurance requirements are $20,000 for an accident with a single victim and $40,000 for an accident with multiple victims. Uninsured motorist coverage is also required in the same amounts to protect motorists in an accident with an uninsured driver or hit-and-run motorist.

For car accidents with catastrophic injuries, this amount may not be enough to cover the full extent of injuries. In this case, victims may seek help from an attorney for car accidents in Clarksburg, W.Va., to file a personal injury lawsuit against the at-fault driver.

However, even before car accident compensation is recovered from the negligent driver, some accident victims may turn to their own car or health insurance coverage to help pay for expenses related to the accident. If the other driver is at fault, one’s own insurance companies may seek reimbursement from the negligent driver’s insurance coverage through subrogation rights.

An Attorney Can Help Recover Car Accident Compensation

An attorney for car accidents in Clarksburg, W.Va., at The Miley Legal Group can help take the burden off your shoulders when it comes to pursuing insurance claims for a serious car accident. To schedule a free consultation with one of our attorneys about reaching a car insurance settlement, call 304-931-4088.