In Naperville, auto accidents often lead to multiple injuries and are often associated with heavy traffic. Other contributing factors are DUI, adverse weather conditions, and serious moving violations, such as speeding or reckless driving. A car accident lawyer in Naperville discusses probabilities with victims of auto accidents.

The Accident Report

An accident report is completed after law enforcement completes its investigation of the accident. It determines what party was at fault for the accident, and it lists all parties who were involved in the accident. All parties must submit the report to their insurers.

Was the At-Fault Driver Insured?

If the at-fault driver was insured, he or she must file an accident claim and involve all victims who were injured or sustained property damage. The claim provides coverage according to the total number of victims involved in the accident. When more than one victim was involved, the insurance provides the maximum coverage amount.

Did the Victim Receive Compensation Through an Insurance Claim?

When approaching an attorney about an auto accident lawsuit, the victim must disclose whether or not they received compensation through an insurance claim. If the at-fault driver didn’t have insurance, the only way a victim collects compensation is by filing a lawsuit against the accountable driver.

However, if the victim’s injuries were more profound, it is possible to sue for additional coverage. The injuries must be permanent and life-altering. The medical requirements must exceed the maximum coverage level for the at-fault driver’s insurance coverage.

Avoiding Comparative Fault Rulings

Comparative fault rulings lower the potential monetary award if the victim contributed to the cause of the accident. Moving violations are used to prove comparative fault. The award is lowered according to a percentage applied by the judge for each moving violation.

In Naperville, auto accidents lead to serious injuries for some victims. Medical costs and auto repair costs are often overwhelming for the victims. Accountable drivers face lawsuits if they don’t have auto insurance coverage. Comparative fault rulings might affect the outcome of a lawsuit if the victim committed a moving violation during the accident. Victims of auto accidents can visit Shea Law Group for legal help.