personal injury claim is a type of civil lawsuit that is filed after someone causes physical,
emotional, or psychological harm to another person. Occasionally, a negligent
party will hurt someone else and he or she will face a civil lawsuit
and criminal charges. We commonly see this in drunk or drugged driving cases.
Sometimes when someone is injured, he or she has every right to file a
personal injury claim, but they delay or they don’t file a claim
at all. Usually this happens when the person is afraid to inconvenience
the at-fault party. Or, the injured person decides not to file a claim
because they’re convinced that the at-fault party can’t afford
to compensate them for their injuries.
When people use the above reasons not to file a claim, it’s devastating.
Instead of receiving the compensation they need and deserve, they suffer.
They have to foot the bill for all of their medical expenses, and they
have to deal with losing income for weeks, months, or even years. Often,
the injured person makes these unnecessary sacrifices at the expense of
their family’s financial and emotional well-being.
Who Pays the Compensation?
So, who pays for a plaintiff’s
damages (financial compensation for injuries or losses)? Usually, it’s an
insurance company. Rarely, it’s an individual, but once in a while it happens. In the
vast majority of personal injury cases, it’s the at-fault party’s
insurance company that pays the plaintiff’s damages for medical
bills, lost income, pain and suffering, etc. Common types of insurance
that pay plaintiffs in a personal injury case:
We are only scratching the surface in regards to insurance. Just be aware
that in almost all personal injury cases, there’s an insurance policy
in force that will compensate an injured party who files a lawsuit against
a negligent person or business. For example, even if a woman was robbed
and assaulted one night in a parking lot and her attacker got away, she
can still file a lawsuit against the property owner.
If you were recently injured in an accident and you’ve hesitated
to contact an attorney, be rest assured that there’s no harm in
finding out if there is an insurance policy that will compensate you for
your damages. To learn more,
contact Jones & Swanson today!