Anything could happen when it comes to drunk driving, from damage to properties, bodily injuries to death. Will a general insurance policy suffice when it happens? Let’s find out.
If you are the victim, it’s best to know that you have a couple of options at your disposal. However, it’s also possible that you will be exploited even in the court of law, which is why it’s important to hire an accident attorney for your own protection. Since, this type of accident is ever-increasing each year, the need to hire one is, nonetheless, crucial.
The Different Faces of Drunk Driving
Drunk driving can occur in many ways, from one vehicle, two vehicles, involvement of pedestrian, motorcycles, buses, cyclists, etc. Not only that, such accidents cause trauma, which could result from mild to severe injuries, broken bones, bleeding, and neck/head injuries and so on. Some people are just hardheaded because all states in the U.S. have stringent laws imposed when it comes to drunk driving. The law enforcement does not tolerate the use of alcohol, especially if someone drives while drunk.
What You Need To Do If You Are The Victim?
Call 911 right away that a drunk driver has hit you. Next, contact your accident attorney and tell him the entire story. Right now, he’s the best guy to ask for guidance or consultation. The 911 usually sends paramedics, police and the fire department to assist anyone with injuries. Above everything, the safety of both parties has to be taken care of. Depending on the assessment of the medical team, you may be brought to the nearest hospital for further examinations.
Don’t forget to take pictures of the accident using your cell phone or digital camera. Whatever you do, don’t leave the scene of the accident, whether you are the at-fault driver or the victim. You could face serious penalties or legal charges.
Regardless of what had happened, the accident lawyer will do the following to address the drunken driving accident:
- Will contact the insurance companies for both parties who were involved
- Will handle all the necessary preparations when it comes to the victim’s medical bills
- Will usually hire investigators to take pictures of the accident scene and surrounding areas
- Will interview all the witnesses, if there are, to gather more information about the accident
Keep in mind that the penalty for repeated drunk driving is jail time. If this is your habit, you better stop it now. The accident attorney can help the victim with all his/her needs from the investigation to the settlement process.
Auto insurance coverage is therefore, necessary if you ever get into a car accident. The amount of coverage is stipulated in the policy itself. Whether you are the victim or the cause of the accident, you are protected, and may file an insurance claim anytime. This is important to cover any injuries or property damages for you or your passengers.
Many types of insurance coverage exist for specific needs. If you are unsure of what type of coverage you need, talk to your insurance agent right away. Doing so will save you money and time.
