According to a recent study, 2,652 car accidents in Centralia IL result in injuries. The aftermath can be filled with details and a lot of things to sort out. Knowing what policy will pay for injuries is one thing that you might have to figure out. Alcorn Insurance Agency knows that the answers may not always be clear so they want to help you sort through the details if this is your reality.
Who Pays?
Like other states, Illinois uses the “at fault” rule when it comes to auto injuries. This means that the party at fault will pay for any injuries that other drivers who have involved a deal with. Injuries from parties not at fault are usually covered under a person’s liability insurance. If the at-fault party is injured their Personal Injury Protection will cover it if that is included in the policy. Injuries incurred in single car collisions may also be paid under a person’s PIP.
What Policy Pays?
Typically, a person’s auto insurance will act as the primary insurance policy when dealing with auto injuries. Personal Injury Protection will usually cover most if not all medical expenses depending on the amount the plan covers for. If PIP is exhausted, the claim would theoretically go to the secondary insurance. In this case, your health policy will act as the secondary. This may not be true in every case so it is always the best practice to read the fine print of your policies. Many times, an insurance company will not pay until the claim is settled, but there are other options to deal with outstanding bills.
When people in Centralia, IL are involved in auto accidents they have a lot on their plate so if they still have questions they can always call or email Alcorn Insurance agency.
