Polk City Car Accident Injury Attorneys

Lives can be suddenly derailed by accidents and injuries. In these trying times, car accident injury lawyers are critical allies. They advocate for those injured by others' negligence, ensuring fair compensation. This article highlights the essential role these lawyers play in helping people navigate their claims and restore their lives.

Can Uninsured Motorist Coverage Help If the Other Driver Doesn’t Have Insurance?

Uninsured motorist coverage can be crucial if you're injured by another driver who doesn’t have insurance. For assistance with filing a car insurance claim or understanding your rights. 

Many motorists fail to carry auto insurance. According to the Insurance Information Institute, Iowa ranks 24th in the nation for uninsured drivers, with about 11.5 percent uninsured in 2009.

# How Uninsured Motorist Coverage Can Help

If you have uninsured motorist coverage and are injured by another driver who lacks insurance, your medical costs and other damages may be covered. This protection extends to any passengers in your vehicle who also suffered injuries.

Though not required in Iowa, uninsured motorist coverage is recommended for the protection it offers in accidents involving uninsured motorists or hit-and-run incidents. It’s relatively inexpensive, and having more coverage offers better protection. Common coverage amounts are $100,000 for one person and $300,000 per accident.

T-Bone Accident: Causes, Liability & Damages

T-bone accidents, or side-impact collisions, are particularly dangerous and often result in severe or permanent injuries. Understanding the causes, establishing liability, and recovering damages are critical steps after such an accident. 

# The Dangers of T-Bone Accidents

T-bone accidents often result in serious injuries or fatalities. The National Highway Traffic Safety Administration reported 5,957 fatalities from angle collisions in 2012. Despite advancements like side airbags, high-speed impacts can cause significant harm.

# Causes of T-Bone Accidents

T-bone accidents typically occur due to reckless or negligent driving. Common causes include:

- Running red lights or stop signs
- Speeding
- Driving under the influence of alcohol or drugs
- Failing to yield properly
- Disobeying traffic laws

# Recovering Damages in a Personal Injury Case

To recover damages in a personal injury case, you must prove the other driver's negligence caused the accident and your injuries. Types of damages you may recover include medical bills, pain and suffering, lost earnings, and property damage.

In Iowa, you have two years from the date of injury to file a personal injury action. Consult an attorney to ensure you meet all legal requirements and maximize your compensation.

What Should I Do If My Wife Is Injured in an Accident?

Receiving news that your spouse has been involved in a car accident is terrifying. The aftermath can bring additional stress and anxiety, especially if your spouse is the primary breadwinner. Here are crucial steps to take to ensure your spouse’s recovery and protect your family's legal rights.

1. **Seek Immediate Medical Treatment:** Ensure your spouse gets the medical care needed and follow all doctor’s orders.
2. **Investigate Insurance Coverage:** Determine the at-fault party’s insurance coverage to see if it will cover medical bills.
3. **Check Your Insurance:** Review your uninsured and underinsured motorist coverage to cover any shortfalls.
4. **Use Medical Payments Coverage:** Utilize this coverage on your policy to help with co-pays, prescriptions, and other out-of-pocket expenses.
5. **Document Time Off Work:** Have your spouse’s doctor document the time off work to calculate and prove lost wages.
6. **Consult an Attorney Before Signing Anything:** Review any documents from the at-fault party’s insurance with an attorney before signing.

Seeking Legal Assistance

Seeking legal counsel from experienced Iowa car accident attorneys such as those at Walker, Billingsley & Bair can provide invaluable support in filing insurance claims or pursuing personal injury lawsuits. With a comprehensive understanding of Iowa law, their team can help gather evidence, establish liability, and secure the compensation deserved by accident victims.

Suffering from the aftermath of a car accident shouldn't impede your pursuit of justice and fair compensation. The Iowa injury lawyers at Walker, Billingsley & Bair work hard to level the field between injured Iowans and insurance companies.

That's why we provide this FREE book; The Legal Insider's Guide to Iowa Car Accidents: 7 Secrets to Not Wreck Your Case. To learn more about what our legal team will do to help you protect your Iowa injury claim, contact Walker, Billingsley & Bair to schedule a no-cost consultation. Call 641-792-3595 to order your free accident book today.