People come to Charles McCorquodale Law at various stages of their Mobile, Alabama, auto accident claims. Sometimes, we don’t get to meet auto accident victims until they are already involved with the auto insurance companies, with lowball offers or denied claims. Other times, we get to meet you at the very beginning, right after the incident occurred, and we are in a better position to help you get through your auto accident claim with the least stress possible. Regardless of where you are in your claim or how much you may have already struggled with the insurance company, we are here to make things easier on you and ensure that you get maximum compensation for your damages. Today, we’ll discuss some of the things you need to know about pursuing an auto accident claim in Mobile, Alabama.
There Are Different Forms of Compensation That You Can Recover in an Auto Accident Claim
When it comes to seeking compensation for your auto accident injuries and damages, you need to know what forms
of compensation are available to auto accident victims in Mobile, Alabama. There are economic damages, non-economic damages, and punitive damages. The economic damages are those that include all of your actual financial expenses and losses. These are the damages that can be proven with such evidence as medical bills and records, property damage estimates, reports of time off work from your employer, and documents that indicate the value of your usual wages. You can even recover compensation for lost future earning potential if this is affected by your injuries.
The non-economic damages include all of the damages that are not actual financial expenses and losses. For instance, physical pain and suffering, psychological trauma, mental health issues (like PTSD, anxiety, or depression), and lost quality of life all fall into the non-economic damages. Then, there are the punitive damages, which are intended to punish the at-fault driver after an auto accident. These are only awarded in cases where the behavior of the at-fault driver is especially negligent or egregiously harmful. One example is a case where drunk driving caused the incident, especially if it is a repeat offender who caused the accident by drinking and driving. Another example might be an aggressive driver who intentionally caused the accident or who caused the accident through reckless misconduct.
Most Common Types of Injuries Caused by Mobile, Alabama, Auto Accidents
There are many different types of injuries that could result from a Mobile, Alabama, auto accident. They range from mild to severe, and can even be life altering or deadly. The most common of these injuries include traumatic brain injuries, whiplash and other neck injuries, injuries to the back and spine, injuries to the chest and abdomen, internal injuries, broken bones, and scarring and disfigurement from burn injuries or severe lacerations. Then, there are the psychological injuries, which are just as important, valid, and necessary to acknowledge and treat for auto accident victims. For instance, it is extremely common for people who suffer from auto accident injuries to also suffer from post traumatic stress disorder, anxiety disorders, depression, and other psychological conditions. You can recover compensation for all of these injuries and conditions, including the expenses of physical medical treatment, mental health treatment, pain and suffering, and psychological trauma.
Frequently Asked Questions About Auto Accident Claims in Mobile, Alabama
With the number of auto accident victims that we’ve helped at Charles McCorquodale Law, we’ve also encountered just about any question you could possibly have. For example, you may be wondering what your claim is worth, what to do if your claim is denied, how to handle a situation with an uninsured or underinsured driver, and what your options are if you’ve lost a loved one in an auto accident.
The question of what your claim is actually worth will depend on the unique details of your auto accident, injuries, and damages. If you have severe injuries that require you to take time off of work to recover – especially if you can never return to work – then your claim is going to be worth much more than that of someone who sustained minor injuries that did not require time away from work. The extent of your pain and suffering can also dramatically alter the value of your claim.
When it comes to having your auto accident claim denied by the insurance company, you may wonder if this is the end of the road. It is not. There are many options and routes to recovering the compensation that you deserve. You may have to do so by pursuing a personal injury lawsuit and/or negotiating further with the auto insurance company. In many cases, contacting a Mobile, Alabama, auto accident attorney is enough to make the auto insurance company take your claim more seriously.
In cases where the at-fault driver is uninsured or underinsured, you will be in the best position if you have UIM coverage on your own auto insurance policy. That is uninsured/underinsured motorist coverage, and it is designed for just such an occasion. If the other driver does not have enough auto insurance coverage to meet the value of your damages, then your UIM coverage can make up the difference. If the other driver doesn’t have any auto insurance coverage at all, then the UIM coverage will be there for your medical needs.
Then, there are those auto accidents where someone you love has been killed. No amount of money will ever bring back your loved one or ease your grief. Yet, you are still entitled to compensation for their medical expenses, lost wages, burial and funeral expenses, loss of consortium or companionship, and psychological suffering. These cases are often resolved through a wrongful death claim.
Most Frequent Causes of Mobile, Alabama, Auto Accidents
There are many ways that a Mobile, Alabama, auto accident could happen. The most frequent examples include distracted driving, drunk driving, aggressive driving, and failing to follow the rules of the road. Being distracted, even for a moment, can lead to a devastating accident. Damaged roads, poorly planned construction projects, and bad weather conditions can also lead to auto accidents.
Regardless of what caused your Mobile, Alabama, auto accident, the attorneys at Charles McCorquodale Law are here to help you through each step of the process of recovering fair compensation.