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Chapter 1: Money Sources for Accident Victims

After an accident, one of the first questions you face is who will pay for your expenses and losses. A discussion of the sources of payment involves analysis of the various types of insurance policies that fund auto accident claims. While car insurance policies fund most claims, there are additional outside sources that must be considered in cases involving serious injuries and higher damages.

We will explore all of the sources that might provide payment to your family following an auto accident. We begin with a general discussion of the types of coverage provided through auto insurance policies: liability insurance, uninsured motorist coverage, underinsured motorist coverage, collision coverage, medical payments coverage, and personal injury protection. We will then look at non-auto-based insurance and other outside payment sources that provide essential additional payments to victims who suffer more serious injuries. Because duplicate payments are often allowed, victims should look at every money source as they seek full and fair payment for expenses and losses arising from a motor vehicle accident.