If you were in a head-on collision while traveling out of state, your auto insurance has you covered. Auto insurance coverage travels with you from state to state, so you don't have to worry about being covered.
However, state insurance laws do vary so you need to be aware of those laws and understand that the laws of the state where your accident occurred will be the determining factors in the outcome of your accident.
Also, the severity of the crash will come into play as well as the damages that were suffered in the crash.
State Laws Vary Significantly Regarding Auto Insurance and Accidents
While auto insurance is required in every state, the amount of coverage does vary. So, if you live in a state that requires less coverage but you travel to a state that has higher minimum requirements, your coverage will adjust to the state minimums if you don't have that much coverage initially.
Who is responsible for the damage caused in a car accident can also vary. As an example, some states have enacted no-fault laws. That means that regardless of who is to blame, each driver's insurance covers his or her damages up to a specific amount.
Other states make the at-fault driver responsible for the damages that result from the auto accident. In some cases, your insurance might pay but if your damages exceed those limits, you might be able to pursue a personal injury claim.
After a Head-On Crash
Head-on collisions are serious and can lead to life-altering injuries. You most likely will have to be transported by ambulance after the accident. Law enforcement will file an accident report after investigating the crash.
Keep copies of medical records and medical bills and also document time off from work and any lost wages. You will need to get a written estimate for repairing damages to your car. Keep the tow bill and if applicable, keep any receipts for rental car usage while your car is inoperable.
Most likely, your car will be a total loss so you will have to purchase a replacement vehicle. An auto accident injury lawyer can determine any future medical expenses or future loss of earnings that might result from the crash. How your future will be impacted by the crash should also be considered.
Consult With A Personal Injury Attorney
You should consult with a personal injury lawyer from the state where the accident occurred. This lawyer will be familiar with the state laws and will know how to proceed with a claim. This attorney can tell you whether or not you have grounds to seek damages.
Personal injury lawyers work on a contingency basis, so you won't have to pay out anything until you receive a judgment or settlement for your damages.
Schedule a free case consultation with an experienced personal injury lawyer today. Remember, time is of the essence as a statute of limitations does apply.