If you were traveling out of state and ran off the road, the laws for the state where the accident occurred come into play. The outcome varies on a case by case basis and state laws, but it also depends on whether the driver of the vehicle that ran you off the road stopped or was identified.
Your car insurance will travel with you from one state to another, so you do have at least the minimum coverage requirements.
If your damages exceed the coverage available under your policy, you might be able to pursue a personal injury claim but that depends on the situation, the severity of the crash, the amount of damages, and the state laws.
What To Do After Being Ran Off The Road
If you have been run off the road, you need to call the police and make sure an accident report is filed. You should get checked by a medical professional right away. Some injuries are worse than they appear or might not be evident until a day or two after the crash.
Keep any copies of medical records, prescription records, and medical bills. Get a written estimate for repairing your vehicle. Keep any receipts for rental cars, tow bills, or repairs or parts that you purchase. Take photos of damages to your vehicle and any visible injuries.
Documentation is important for proving what damages you have suffered and for negotiating with the auto insurance company.
How Does Insurance Work Out of State?
Your auto insurance coverage follows you from state to state. If you live in a state that has lower insurance requirements than the state in which you travel, your coverage limits will automatically increase without you being charged any extra.
Some states are no-fault states, which means your own insurance is responsible for your damages even if you are to blame for the crash. In other states, the driver who is at-fault is liable for the damages that resulted from the crash.
It is dependent on the crash and the laws in the state where the accident occurred. In some cases, you can file a personal injury claim if your damages exceed the limits of your auto insurance policy. A personal injury attorney can help you in those situations.
After Having Been Run Off the Road Out of State
If you have been run off the road while out of state, you should consult with an experienced personal injury attorney. Your lawyer will be familiar with the laws in the state where the accident occurred and can determine how to proceed with your claim.
Each state has a statute of limitations regarding personal injury claims, so you should check with a lawyer before it is too late. Working on a contingency basis, you won't have to pay your attorney anything until you get a settlement or judgment for your claim.
Results vary on a case by case basis. Schedule a free case evaluation with an auto accident injury attorney today.
