Auto Insurance May Not Be Enough

Dayton Auto insurance is compulsory in most jurisdictions to a certain degree, providing both the driver and other road users with some form of financial protection in the event of a collision or accident. The trouble with auto insurance however is that while it may cover damage to a point, it usually doesn’t cover personal injury to any great extent, even if you’ve opted for comprehensive auto insurance cover. The damages for which you may liable in personal injury can often vastly exceed any amount covered by your auto insurance policy, and there may be a requirement to think about the potential damages which could arise.

What Does Auto Insurance Typically Cover?

Dayton Auto insurance typically covers the car concerned, and damage caused thereto as a result of any automobile accidents. Auto insurance also often includes theft and other forms of damage, and even to a certain extent some personal injury. The difficulty for road users lies in the auto insurance industry’s reluctance to offer extensive cover, given the dangers of this kind of exposure, both for those causing accidents and for those involved as the non-blameworthy party.

Where Dayton auto insurance falls short, there may be civil legal remedies available designed to redress the balance and provide the wronged party with some form of compensation for their losses and injury. While this usually requires initiating court proceedings, most auto accidents are strict liability torts, i.e. the party proven to have caused the accident need not be shown to reckless or negligent, as in certain other cases where the pursuing party seeks to imply tortious liability.

Legal Remedies

On top of Dayton auto insurance and the cover it provides, there are also civil legal remedies which can be employed in order to address any financial of physical loss as a result of a collision. By and large, civil remedies look to reimburse the injured party in damages, both for any financial losses sustained and in recognition of any injuries caused – including mental injuries. In order for legal remedies to be available (in addition to recompense from auto insurance policies), it must be shown that one party caused the collision in question, the other party suffered damage, and that no statutory defenses exist, the latter relying on the defending party failing to satisfy its burden of proof. In instances where the collision may have been contributed to by the actions of the pursuing party, damages may still be available although will be greatly reduced to reflect the determined proportion of liability implied to the pursuing party.

The Law Offices of Macey & Searns and www.injuryexperts.com can help pursue the available legal remedies open in the event of a collision. In conjunction with any cover that might be provided on the Dayton auto insurance of both parties, Macey & Searns can provide specialist personal injury attorneys to determine where a case exists and the best route forward with a view to achieving the desired outcome, either through settlement or in court.