The personal injury attorneys at Hall Law are experts in car accident cases. We have an excellent track record of obtaining fair compensation for clients who have been injured in motor vehicle accidents, both via settlement negotiations and via jury trial verdicts.
Our lawyers understand the profound effect such accidents can have both on the injured person and their family. We realize that many times after auto accident injuries people are unable to work or pay their bills and may have trouble dealing with insurance companies.
We can answer your questions and help resolve these issues in an orderly fashion.
Car Accident Reference Materials
Car Accident Damages Recovery
There are typically three primary sources of recovery for injuries suffered in car accidents. These sources include:
- No-fault insurance
- Liability insurance covering the person(s) who caused the accident
- Underinsured motorist coverage
Minnesota law requires insurance companies to provide no-fault auto insurance as a part of every automobile insurance policy insuring a motor vehicle registered or principally garaged in Minnesota. No-fault insurance provides certain basic insurance benefits to all people who are injured in automobile accidents regardless of whose fault caused the accident.
Benefits recoverable under the No-Fault Act include:
- Medical expenses
- Income loss and replacement services
- Benefits for the family of someone killed in a car accident
If you have been injured in a car accident, in addition to recovering no-fault benefits, you may have a claim against any person whose negligence caused the accident. In plain language, roadway negligence is typically nothing more than a driver doing something wrong that results in a crash.
Courts look to a number of factors in determining whether a driver was negligent. Some examples of these factors include, but are not limited to, the following:
- Distracted driving (example: texting while driving)
- Driving too fast or too slow
- Driving under the influence of drugs or alcohol
- Failing to signal while turning
- Disregarding weather or traffic conditions
- Disobeying traffic signs or signals
The claims against the person who negligently caused the accident are normally covered by liability insurance — either the driver’s or the car owner’s liability insurance. If neither the driver nor the owner has liability insurance, the injured person’s uninsured motorist insurance pays any damages owed by the uninsured driver.
Underinsured Motorist (UIM) Insurance
Insurance companies sell UIM insurance to Minnesota drivers. When an auto insurer sells UIM insurance, they are essentially telling their customer: “You pay us regular insurance premiums, and if you get hurt in a crash where the other driver doesn’t have enough insurance to cover your damages, we’ll cover them.”
What the auto insurance companies typically do not focus on is that when there is a crash and the other driver doesn’t have enough liability insurance to cover your damages, your auto insurer is free to deny your claim for UIM insurance. In these cases, which are quite common, an injured customer’s only recourse against their auto insurer is a lawsuit.
The attorneys at Hall Law P.A. are experts at litigating UIM insurance claims, and have enjoyed decades of success against auto insurers who refuse to honor the insurance policies they’ve sold. We have enforced our client’s UIM rights against auto insurers such as:
- American Family Insurance
- State Farm Insurance
- Farmers Insurance
- Travelers Insurance
- And more
Effect of a traffic law violation
Violation of a traffic law is negligence, unless there is evidence tending to show:
- The person had a reasonable excuse or justification for breaking the law, or
- A reasonable person could believe, under the circumstances, that violating this law would not endanger anyone who should be protected by the law.
If a person offers an excuse or justification for breaking the law, you can still find that person negligent. In deciding negligence, consider the violation along with all the other evidence in the case.
If a traffic law was violated, you must also decide if this violation was a direct cause of the accident.
Work With an Experienced Car Accident Attorney
If you, or a loved one, have been injured in a car accident, the dedicated and caring attorneys at Hall Law can help. Our law firm has more than 35 years of experience representing people who have been injured in car accidents.