If you were hit while merging in an out of state car crash, you might be eligible to file a claim to recover compensation for the damages that resulted. Your auto insurance policy is in effect when you are traveling out of state, so you are still covered for any damages that result.
However, state laws regarding insurance coverage can vary significantly, so who is responsible for the damages and how they are paid can be very different and are dependent upon the accident and where it took place.
Some states are no-fault states, which means each driver's insurance is responsible for his or her damages regardless of who caused the crash.
State Insurance Requirements Vary According to Laws
States also require auto insurance coverage, but those specific coverage amounts can vary greatly. Your state might require $50,000 bodily injury coverage and $25,000 property damage coverage. You might travel to a state that has higher thresholds for coverage.
In those situations, your insurance coverage adjusts to comply with the laws of the state where you are traveling without you incurring any additional charges.
If the state where you are traveling has lower insurance thresholds and you are involved in an accident that involves a greater dollar value of damages, you might have to pursue a claim against your own auto insurance policy to make up the difference for your expenses.
How Do Merging Accidents Occur?
Merging accidents happen frequently. When a car is moving from one lane to another, they might not see another vehicle or another driver could maneuver into the same lane at the same time.
Sometimes speed plays a factor or drivers might fail to properly signal, which in turn, leads to a crash. If the crash happens in a
What To Do
Make sure law enforcement is called to come and complete an accident report. Go to the nearest hospital to seek medical treatment. Some injuries might not be evident right away, so it is better to get checked by a medical professional right away.
You need to maintain all documentation that supports your claim. This means to keep medical records, medical bills, proof of lost wages, written estimates for auto repairs, rental car bills, and tow bills. These will help you negotiate with the auto insurance company.
You should consult with an experienced personal injury attorney in the state where your merging accident took place. A lawyer will be familiar with the laws in that state and will be able to tell you how to pursue with a claim.
Your attorney will be able to determine whose insurance is responsible for which losses and how to proceed. Every state has a statute of limitations regarding personal injury claims, so if you don't file a claim in a timely manner you will miss your opportunity to recover damages.
Because each accident is different and state laws vary, the outcome of your case cannot be determined. Auto accidents are resolved on a case by case basis. Schedule a free case evaluation with a personal injury attorney today.
