Many car crashes require an insurance claim. When there are property damage expenses or injuries to address, liability insurance carried by the driver at fault can help pay people’s expenses.
Occasionally, the people involved in major collisions must file a personal injury or wrongful death lawsuit instead of simply pursuing insurance compensation. The three circumstances below are among the most common scenarios in which a lawsuit is necessary after a car crash.
1. Catastrophic or fatal injuries
California’s basic insurance requirements may not be enough for life-altering losses. When someone injures their spinal cord or dies, they may have hundreds of thousands or even millions of dollars in lifetime losses. Even commercial vehicle insurance may be insufficient in that situation.
2. An uninsured driver
While the law requires liability insurance, not everyone follows the law. If the party at fault for a car crash does not have mandatory liability insurance, those injured in the crash or surviving family of those killed may need to go to court to seek compensation.
3. Business liability
There are numerous situations, such as employees causing crashes or bars violating liquor laws, that could make a business liable for a car collision. In such scenarios, a lawsuit rather than a straightforward insurance claim may be the best option for recouping collision expenses.
Discussing what occurred before and during a crash can help people understand their options after a motor vehicle collision. The party at fault may have legal and financial liability for the harm they caused others. A personal injury lawsuit is sometimes the most viable solution after a devastating car crash.