What Should a Car Insurance Settlement Cover?

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What Should a Car Insurance Settlement Cover?

A calculator and financial figuresIf you’ve been injured as a result of another driver’s negligence, you need the insurance settlement to cover the full extent of damages you’ve suffered, but what does that entail exactly? Recovering from the aftermath of a serious car accident is difficult, and you should be focused on your primary task of regaining your health and well-being. The fact is, however, that obtaining the compensation to which you are entitled also allows you the best chance of reaching your fullest physical and emotional recovery. If another driver leaves you injured in a car accident, you need the professional legal counsel of an experienced North Carolina/South Carolina personal injury lawyer on your side.


Insurance Coverage

The basics of insurance coverage after a car accident include your economic damages and your noneconomic damages. Economic damages are easy to understand because they relate to the damages you sustain that have price tags attached to them, including:

  • Property damage to your vehicle
  • Medical costs – including emergency transportation and care – associated with the injuries you incurred
  • Hours and wages lost on the job

Noneconomic damages, on the other hand, refer to those damages that unequivocally cause you to suffer but that are more difficult to monetize. These damages include things like:

  • Your pain and suffering
  • Your emotional distress
  • Loss of enjoyment in your life
  • Emotional trauma related to any resulting disfigurement or disability

All told, the damages associated with a serious car accident can be difficult to overestimate.

Your Claim

Every car accident claim is as unique as the circumstances involved, but it is critical to have an accurate estimate before you move forward with accepting a settlement offer from the insurance company. If the injuries you sustain are serious, you may not know their full extent until some time has passed and your medical team has provided you with a detailed assessment of your prognosis.

The Insurance Company

The insurance company in your case is motivated by massive profits, and they have myriad resources at their disposal for accomplishing this goal. Sometimes, this means swooping in with a speedy offer before you even recognize exactly how extensive your damages are. Other tactics can include delaying the process unnecessarily, questioning the actual extent of attendant injuries, and denying claims outright. An experienced personal injury attorney will cut to the heart of the matter and will help ensure that your rights are well protected throughout the claims process.

Contact an Experienced Carolina Personal Injury Attorney about Your Car Accident Claim

If you’ve been injured by another driver’s negligence, obtaining a settlement that covers the full range of your damages is critical to your recovery. Justin Bice at Bice Law – with offices in South Carolina and North Carolina – is a formidable personal injury attorney who is committed to aggressively advocating on behalf of your rights and of your rightful compensation. For more information, please don’t hesitate to contact or call us at 877-BICE-877 today.


How Much are Personal Injury Settlements for Truck Accidents?

Semi accidents are among the deadliest accidents on our roadways. The size and weight of these massive vehicles is enough to make truck accidents exceedingly dangerous. If a truck driver leaves you injured in a truck accident, you obviously need to procure a settlement that adequately addresses the injuries you’ve sustained so that you can reach your best possible physical and emotional recovery.

While it’s impossible to pinpoint a dollar amount of any accident claim before it’s been fully processed and appropriately litigated (if necessary), there are some basics that can help you ascertain what your truck accident settlement should look like. If a truck driver’s negligence leaves you injured, consult with an experienced North Carolina/South Carolina personal injury attorney today.

Your Medical Costs

If you’ve been injured in a truck accident, you’ve probably sustained significant injuries that require a good deal of time, effort, and expense to heal properly. These costs can include:


  • Emergency care at the scene of the accident and emergency transportation from the accident
  • Surgery, aftercare, and follow-up care
  • Care and treatment from doctors, specialists, and therapists
  • Ongoing care and treatment
  • Prescription medications
  • Adaptive physical devices
  • Home health care
  • Physical therapy


While your medical expenses will likely be extensive, they probably aren’t the end of the story.

Your Lost Wages

If you’ve suffered a serious injury, you’re going to miss work, and the associated expense can be immense. Further, your lost wages aren’t the only thing you need to worry about – your earning potential into the future can be negatively affected. If your injuries are serious enough, you may even face an altered career path, which can be especially devastating. Most of us associate our careers with our sense of accomplishment and as a defining component of our sense of selves. In other words, such a loss can be a significant blow to the psyche.

Your Noneconomic Damages

Your medical expenses, the property damage to your vehicle, and your lost wages are all economic damages, but there are also noneconomic damages to consider. Noneconomic damages include your pain and suffering, your emotional distress, and any loss of life’s enjoyments you may suffer. Big rig accidents are often so violent and dangerous that these noneconomic damages can be especially serious.

Your Claim

If you’ve been injured in a truck accident, it’s critical that you carefully assess your damages in their entirety, and this may take some time and considerable effort. Your experienced personal injury attorney has the knowledge, skill, and commitment to evaluate the extent of your injuries and damages and the dedication to aggressively advocate on behalf of your rights with the insurance company. Your claim is as unique as you are, and it’s important to get it right.

An Experienced Carolina Personal Injury Attorney Can Help

If a negligent trucker leaves you injured, attorney Justin Bice at Bice Law – with offices in South Carolina and North Carolina – is on your side. Mr. Bice is a dedicated personal injury attorney who is committed to fighting for your claim’s best possible outcome. To learn more,  please don’t hesitate to contact or call us at 877-BICE-877 today.







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