Here is a basic overview of the compensation you can get:
Property Damage – If another driver collides with your car and is found to be at fault, there’s a high chance that your vehicle has taken some damage, even you can still safely drive away from the accident. Property damage compensation pays for the costs of making repairs for any damage that happened to your car in the accident.
In some cases, the damage to your car will be so extensive that the costs of repairing it to its pre-accident condition exceed its actual value; this is referred to as a “total loss” by insurers. In this scenario, you may receive a monetary amount equivalent to how much your car was worth before the accident.
Personal Injury – Car accidents sometimes result in injuries to a vehicle’s driver and passengers. The party at fault may be responsible for providing you with various kinds of personal injury compensation in this case, such as:
Compensation for Medical Bills and Expenses – In general, you’ll be entitled to receive payment for any medical treatment that you’ve received to treat injuries sustained in the accident, as well as for future treatment that has been deemed medically necessary.
Compensation for medical bills and expenses will cover the cost of transportation by ambulance, any treatment received at a hospital, the cost of prescription medicines or medical devices, as well as any necessary follow-up visits with a physician or other medical professional.
Lost Wages – Compensation for lost wages pays for the wages that you would have typically earned, but couldn’t as a result of the accident. For example, if the nature of your injuries has prevented you from being able to do your regular job for a month, you may be compensated for that month of lost wages.
Should you be injured so severely that you’re unable to return to your job at all, you may also be compensated for some amount of lost future income.
Additional Considerations – In the majority of auto accident cases, the insurer of the at-fault driver will be picking up the tab for your property damage and personal injuries, if applicable. However, just how much compensation you can receive will be limited by the coverage limits of the at-fault driver’s insurance policy.
There may be cases where the damages caused by the at-fault driver exceed these limits, mainly if they caused a serious accident and only have the minimum liability coverage required by state law.