You can also purchase Added Reparations Benefits (ARB) in addition to BRB to give you more coverage in case of an accident. ARB can be purchased in amounts up to $40,000 and may include lost wages of up to $400 a week.
The minimum amount required by law for BI is $25,000 per person, $50,000 per accident and property damage of $10,000 per accident or a single limit policy of $60,000. When purchasing BI insurance, a person with assets to protect would need, at a minimum, $100,000 with a single limit policy.
If the BI insurance of the other driver does not cover your damages, your own insurance policy may have Underinsured Motorist Insurance (UIM) or Uninsured Motorist Insurance (UM). Insurance companies do not like to pay out these policies so it is important to have a lawyer negotiate on your behalf.
Conversely, if you were 25% at fault in causing damages of $100,000, you or your insurance company would pay $25,000.
The amount you receive depends upon the seriousness of your injuries, your losses, the amount of insurance involved, and the skill of your lawyer.
Serious injures are those involving broken bones, surgery, lost limbs, herniated discs, ruptured discs, extensive hospital stays, loss of vision and death. Pictures of you in a cast or in the hospital help make your case worth more money by showing how serious and dramatic your injuries are.
Hiring a lawyer will help you get the settlement you deserve. At Al Miller Law Offices your first appointment is FREE so call us at 270-754-5502 for an appointment. If you decide to hire us, you will not pay your attorney's fees until you win your case. Court costs and case expenses are the responsiblity of the client only if we win or settle the case.
DO NOT use this website as a substitute for a lawyer. Consult a lawyer of your choosing. We hope you will choose us.