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If you or someone you know has been involved in a motor vehicle accident, you probably have many questions. Often the first question is who will pay for the medical care that is needed. If you have health insurance, you should consider using that insurance to obtain the care you need now and worry about pursuing the person at fault later. Your first priority should be making sure you receive the medical care that you need.

 
If someone else is responsible for the motor vehicle accident and your injuries, then the insurance of that other person will generally be responsible for paying for the medical care and injuries. If the person at fault was working at the time of the motor vehicle accident, his or her employer might also be responsible for the injuries. If you carry medical payment coverage (also called “med pay”), personal injury protection (also called “PIP”), or under insured coverage (also called “UIM”), your auto insurance might provide some additional coverage to pay for your injuries.
In addition to medical care, you might incur lost wages, pain and suffering, mental anguish, and physical impairment. Under the law, you are entitled to seek recovery for these damages from the person responsible for causing the motor vehicle accident. To determine who is responsible for the motor vehicle accident and what insurance coverage might apply, you should contact an experienced attorney for help.
If your car, truck or motorcycle was damaged in the motor vehicle accident, you will likely need a replacement vehicle. Depending on whether your vehicle is repairable, the person at fault might be required to provide you with a rental car. You are also entitled to have your vehicle repaired by a mechanic of your choosing. If your vehicle cannot be repaired and is a total loss, you are entitled to seek recovery for the fair market value of your vehicle as it was before the motor vehicle accident.
If you feel that you need the help of an attorney in this process, it is important to contact one as soon as possible. An attorney will be able to serve you better if he is contacted while the evidence from the motor vehicle accident and the witnesses’ memories are still fresh. In addition, the law imposes some strict deadlines for filing claims (called statutes of limitation), and if those deadlines are not met, you will be forever barred from pursuing your claim.
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