Car Accidents - Using Your Own Insurance Coverage
Although they are called accidents, car accidents are actually caused by the negligence of another driver. In understanding this, it is important to realize that the party at fault for the accident, is also at fault for any bodily injuries to others or those in their vehicle, as well as any property damage as a result of the accident.
In an analysis of the coverage available to reimburse injured victims, it is vital to consider whether the victim's own insurance policy will be able to offset any differences between the amount available for reimbursement, and the actual amount necessary to cover the injury and damage of the victim and any other injured parties from their vehicle.
This type of insurance coverage concerns itself with the vehicle that is not at fault and supplements the coverage that the injured victim can receive from the at-fault vehicle. If the at-fault vehicle does not have enough insurance coverage, then this type of coverage may be used as a supplement. Rhode Island does offer supplemental coverage that can be purchased to benefit the injured parties in the victim's vehicle.
If you have been injured in an automobile accident and are concerned that the at-fault party's insurance coverage may not be enough to cover your injuries and damages, contact Karns & Kerrison for a free personal injury consultation in one of three Rhode Island office locations for an appointment.