Your insurance company cannot raise your rates or cancel your coverage for making a claim that is not your fault. In Hawaii, there is a specific law that prevents insurance companies from doing this.
If the other driver’s insurance company refuses or delays payment for your car damage, your own insurance company will pay for your car damage and charge you the deductible. There is no deductible charge when the other driver’s insurance pays for your car damage.
When an adjuster from the other driver’s insurance company calls you requesting a recorded statement to get the “facts of the accident,” he’s trying to get information to use against you later. Do not agree to a written or recorded statement. Simply advise the insurance company that your attorneys are handling the situation and refer questions to your counsel.
Even if you don’t have rental car coverage, you may be able to get a rental car and have the other driver’s insurance company pay for it. This is a frequently forgotten secret that could save you time and money.
Your non-injured spouse may also have a right to be compensated from the person causing the accident. This is a separate claim afforded to the non-injured spouse for his/her loss of marital companionship due to the injured spouse’s injuries.
If you are a passenger in a car accident, you can have the costs for your injuries paid. Even if the other car AND the car you were in didn’t have insurance, Hawaii’s special injured victim assistance program forces insurance companies to pay your medical treatment and bodily injury claim.
Many insurance companies will encourage you to select “Managed Care” medical coverage under your auto policy because it’s cheaper – but there’s a catch. What they typically fail to mention is that if you are later injured in an auto accident, you can only go to their “approved” doctors and the treatment must be authorized by the insurance company.
Your “full coverage” likely doesn’t include as much protection as you think. Do you have coverage if the other driver has no insurance? Most folks don’t. But if you have an optional coverage called “uninsured motorist coverage” or “UM” coverage, it will pay in the event the bad guy has no insurance.
To set up your free, no-obligation consultation with Experienced Accident Lawyer in Honolulu , contact me at my Honolulu, Hawaii, office today. Any information discussed will remain confidential.