If you were in a T-bone crash out of state, the laws of the state where the crash occurred have precedence. Your auto insurance travels with you from state to state, so you are covered by your policy. States require auto insurance, but the minimum requirements do vary from state to state.
As an example, if you live in a state that requires $25,000 personal injury liability insurance and you have the minimum coverage, but you travel to a state that requires $50,000 of personal injury liability your coverage will increase to the requirements of the state where you travel without you facing additional premiums.
Who Pays For Your Damages?
While damages vary on a state by state basis, your claim is significantly impacted by the laws of the state where your accident took place. There are 12 states in the country that have enacted no-fault states.
In those states, regardless of who is to blame their own insurance covers their damages up to a specific amount. If your insurance doesn't cover all the damages, you might be able to pursue a personal injury claim against the other driver to recover compensation for your losses.
In some states, the driver who is at-fault for the crash is liable for the damages that resulted from the crash.
What To Do After A T-Bone Crash Out of State
If you have been in a T-bone crash, that is a serious accident. Serious damages and serious injuries can result from such an accident. Common injuries from such an accident include back injuries, traumatic brain injuries, broken bones, and even paralysis.
These are injuries that can impact you the rest of your life. Of course, law enforcement will need to file an accident report regarding your crash. You should get medical care right away.
Keep copies of your medical records, your medical bills, your prescription records, and documentation that shows time missed from work and your lost wages. Get written estimates for repairing your vehicle and keep receipts for towing, any rental car and any parts or repairs that you have done.
Filing An Insurance Claim
After an out of state T-bone crash, you should consult with a personal injury attorney in the state where the accident took place. The auto accident injury lawyer will be familiar with the laws of the state and know how to pursue the claim. Lawyers will conduct their own investigation into the crash as well.
All auto accident claims vary significantly and the outcome is based on a case by case basis. The statute of limitations applies and those vary from state to state. Based on that, you should consult with a personal injury attorney before it is too late to proceed with a claim.
Working on a contingency basis, a personal injury lawyer will not be paid until you get a judgment or settlement based on your case. Schedule a free initial consultation with a personal injury attorney today.
