CT Personal Injury Lawyer

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CT Personal Injury Lawyer
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If you drive a car or ride as a passenger on Connecticut roadways, do you understand the insurance laws? Most people understand that car accidents happen frequently, but few take the time to understand key facts about Connecticut car accidents before they are involved in one.

1. Statute of Limitations

Connecticut has a two-year statute of limitations in car accident cases. That means you have two years after suffering any injury to pursue legal action against the driver or other parties involved in your accident. It also means that contacting a Connecticut car accident lawyer sooner rather than later is in your best interest. Two years may sound like a long time, but when you are busy with the process of recovery, it can pass by quickly and leave you without the means to recover financial compensation.

2. MedPay Coverage

MedPay coverage is a factor in some Connecticut auto insurance policies. MedPay coverage helps people pay for medical expenses that result from a car accident, typically covering between $1,000 and $5,000. What makes MedPay issues complex is that other health insurance policies, such as insurance offered by an employer (Blue Cross Blue Shield, for example) will not cover injuries sustained in a car accident until they receive confirmation that either no MedPay coverage existed — or that it has been used to the full extent. So even if you pay for company health insurance out of every paycheck, that insurance isn’t automatically relevant when your medical issues result from a car crash.

This is further complicated by the fact that MedPay covers injuries regardless of fault, so if you are injured as a passenger in someone else’s car, your insurance company may refuse to pay for your medical care until you’ve established the status of any MedPay coverage. And what if you receive MedPay benefits — but then file a personal injury claim against the person responsible for the accident? In some cases you may have to pay back the benefits.

3. Subrogation Provisions

Roughly 50% of Connecticut health insurance companies have subrogation provisions in their policies. These allow the health insurance companies to receive payment for medical expenses associated with your accident, if you receive a financial settlement. You may have planned to use your settlement to pay for future medical treatments, but your health insurance company has different interests in mind.

Protect your rights

If you or a loved one has been injured from a car accident in Connecticut, you have the right to make sure the responsible parties are held accountable. Understanding how insurance law plays a role in any accident claim is important, but it can be complex. Insurance companies are big businesses with their own legal representation; trying to handle them on your own can often backfire.

Contact an experienced Connecticut car accident lawyer for an evaluation of your case and helpful advice on your legal claim.

This article was submitted by Deirdre Reedy on behalf of Haymond Law Firm.

Haymond Law Firm

If you have suffered injuries from a car accident caused by someone else and you have questions regarding your legal rights, contact the Haymond Law Firm at 1-800-HAYMOND or visit the website at http://www.haymondlaw.com/car_accidents/index.asp today.

Article Source: http://EzineArticles.com/?expert=Deirdre_Reedy

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