accident attorney Car Accident Law 2

Question 1

What is 'underinsured motorist' (UIM) coverage?

Accepted Answer

Coverage that pays the gap between the at-fault driver's policy limits and the full amount of the insured's damages

Answer

Coverage for drivers under 25 years old

Answer

Coverage for accidents in other states

Answer

Coverage for medical expenses only

Question 2

What is 'comparative fault' and how does it apply in a multi-vehicle accident?

Accepted Answer

Each driver's percentage of fault is determined and their recovery is reduced (or eliminated) accordingly

Answer

All drivers share fault equally

Answer

Only the last driver to act can be found at fault

Answer

The least-insured driver bears all fault

Question 3

What is the significance of 'black box' data (EDR data) in car accident reconstruction?

Accepted Answer

Event Data Recorders capture vehicle speed, braking, and steering data in the seconds before a crash

Answer

They record audio conversations inside the vehicle

Answer

They document the driver's insurance history

Answer

They track the vehicle's GPS route for months

Question 4

When does a car accident become a potential wrongful death claim?

Accepted Answer

When the accident victim dies as a result of injuries sustained in the crash

Answer

When multiple vehicles are involved

Answer

When the at-fault driver flees the scene

Answer

When property damage exceeds $10,000

Question 5

What is a 'letter of protection' (LOP) in a car accident case?

Accepted Answer

An attorney's letter to a healthcare provider agreeing to pay medical bills from the case settlement proceeds

Answer

A letter from the insurer confirming coverage

Answer

A court order protecting confidential records

Answer

A document transferring the claim to a third party

Question 6

What is 'hit and run' liability coverage and who does it protect?

Accepted Answer

Uninsured motorist coverage that applies when the at-fault driver flees the scene and cannot be identified

Answer

Coverage for intentional collisions

Answer

Coverage for accidents on private property

Answer

Liability coverage for the fleeing driver