In Hawaii, people who are injured in a car accident must be compensated by their own automotive insurance policy, even if another driver caused the collision. Sometimes, though, the amount of compensation the injured person expects is much higher than the insurance company is willing to pay. A free consultation with auto accident lawyers in Oahu can provide insight into whether the individual is not being offered a reasonable settlement.
A total of 43 states are larger in size than Hawaii. Even though Hawaii is relatively small compared to other U.S. states, vehicle accidents occur here every day. Some result in very serious injuries.
No-Fault Coverage Maximums
In some instances, the policyholder doesn’t understand that insurance companies only have to pay the maximum of the coverage. The no-fault coverage has a monetary cap.
A lawyer with an organization like Yoshida & Associates may be able to file a claim against the at-fault driver’s insurance if the maximum no-fault coverage is too low. This is normally done when serious injuries have resulted in high medical bills. A person who suffers several serious bone fractures, for example, may have to stay in the hospital for days and may need surgery. Surgical repair of a broken leg can cost more than $15,000. The orthopedic surgeon may order physical therapy, which can be beneficial for full healing.
Filing a Lawsuit Against the At-Fault Driver
Any expenses beyond that might be recouped by a lawsuit against the driver that caused the accident. Whether or not this is a sensible effort can be explained by auto accident lawyers in Oahu.
Avoiding Acceptance of a Quick but Low Offer
It is better to consult with an injury lawyer than to accept a quick settlement offer, especially if that offer is well below what the injured person expected. The adjuster may try to pressure the claimant into accepting the offer, perhaps even saying that further investigation could lead to a lower offer if this one is not accepted. The person must stay calm and do what is in their best interests.
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