Auto Accident
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If you are injured by a negligent driver, that driver's insurance will typically be responsible. However, if the other driver has no insurance, you may pursue a claim against your own insurance.

Soft tissue injuries include sprains, strains, and whiplash — injuries not involving broken bones or surgery. Hard injuries typically require surgical intervention.

Light crashes are low speed with minor damage. Heavy crashes are higher speed, cause total losses, and render vehicles unable to be driven from the scene.

To recover for your injuries, you must prove another party is responsible. If the other driver is cited for a traffic violation, their insurer is likely to concede fault.

Insurance companies heavily weigh the amount of your medical bills when valuing your settlement. They will look to the amount accepted as payment in full.

Significant factors such as drunk driving, drag racing, or texting can drive settlement values considerably higher.

Commercial vehicles carry different insurance with typically higher limits and different risk assessment methods.

Settlement amounts can vary greatly depending on the insurance company handling the claim.

Wages lost from missing work are compensable, but must be clearly documented with pay stubs or employer letters.

If your crash was caused by a government employee, sovereign immunity laws may impact your claim.