In addition to damages and injuries sustained in an auto accident, you may also want to pursue claims for pain and suffering sustained as well. These intangible claims include head trauma of the accident itself and the hardships involved in trying to pick up the pieces and move on. If the accident resulted in a fatality, the victimâ€™s family may be entitled to pain and suffering benefits to compensate for the loss of a loved one.
While pain and suffering are intangible items, they play a very real role in liability claims against a car insurance policy and are specifically written into PIP laws and accident mediation in states which use the no-fault system. If you have the minimum policy required by law, pain and suffering are probably included in your premiums. You do not have to have a special policy for pain and suffering claims, but you do need a policy that is solid enough to handle the claim.
What is important to understand is that the costs associated with pain and suffering can become expensive very quickly. Minimal insurance policies may be exhausted well before the claim limit is reached, leaving you responsible for the remainder of the bill out of pocket. To avoid this, set your liabilities high enough to account for an accident involving serious injuries with a great deal of pain and suffering.
When shopping for insurance online, keep in mind that pain and suffering typically included in the personal injury liability portion of the policy. You donâ€™t have to make sure that you pick up a rider for this event, just that you get the best coverage possible at a reasonable rate. It is generally a good idea to add 20% to the basic amounts required by law, but more is better if you are able to afford it.