Unusual Insurance Policies that Might Apply to Your Case

Personal injury settlements are usually paid out of insurance. There are some simple reasons for that. Many people do not have money in the bank which they can use to pay a settlement, but they might have an insurance policy. Without the policy, an injured victim would possibly receive nothing. Insurance companies also will pay for a legal defense if the policyholder is sued. So even people with large savings like to buy insurance for enhanced legal protection.

What happens if you are injured in an accident but the defendant lacks insurance? In those situations, some lesser-known policies might come into play.

We Negotiate Aggressively for Our Clients

The lawyers at Pita Weber Del Prado do everything possible to maximize the compensation our clients receive after an accident. To that end, we fully review all possible insurance policies that might apply to an accident.

Here are some lesser-known policies which might pay out compensation to an injured claimant:

• Accidental death and dismemberment. Many people have an AD&D policy through a credit card provider. This insurance will pay a benefit if the insured is killed or suffers limb loss in an accident. For example, you might be involved in a serious truck accident which results in an amputated leg. You might submit a claim on your AD&D policy for a payout. AD&D policies often come with restrictions, so work with an attorney to see if you can make a claim.
• Car rental insurance. A person renting a car might pick up insurance from the rental company. If you are injured in a crash with a rental vehicle, then this insurance might cover certain losses, such as damage to your car or even bodily injuries.
• Homeowner’s insurance. Many people think of homeowner’s insurance covering damage to the property. But it usually covers accidents on the premises, such as a slip and fall. If you are injured on someone’s property, you might submit a claim on their homeowner’s insurance. Some of these policies also cover accidents which happen off the premises, so let our team review.
• Condominium and homeowner’s association policies. If you are hurt in a common area, then you might be covered under a policy purchased by the condo board or the homeowner’s association.
• Special event insurance. This type of insurance covers injuries at special events, including those caused by intoxication. Some weddings or sporting events have special event coverage.

This is only a short sample of underappreciated insurance policies which might kick in if you are injured. An experienced attorney always checks to see if any of these policies will apply.

Contact a Miami Personal Injury Lawyer for More Information

The lawyers at Pita Weber Del Prado are fully committed to helping accident victims get the compensation they need. The path toward fair and full compensation is sometimes rocky. Our Miami personal injury lawyers can help shepherd your case through negotiations and the filing of a lawsuit, if necessary. Contact us to schedule a free consultation with our office.

Source:

consumeraffairs.com/insurance/what-is-accidental-death-and-dismemberment-insurance.html