When accidents happen, a couple of variables come into play. The first is to ensure all parties involved are ok. The second is how will the medical bills be taken care of. Anyone that drives has to have a minimum of liability insurance, which will cover basic liabilities. In the state of Iowa, the minimum liability insurance coverage is $30,000 for each person potentially injured for a total of $60,000 cap. The motorist must carry a minimum of $25,000 for property damage. If you are in an auto accident and suffer damages that exceed what the motorist’s insurance can cover, you may need to speak to a Accident Lawyer Cedar Falls, IA. There are some things you need to be aware of from the start.
An Accident Lawyer in Cedar Falls, IA will first make you abreast of the statute of limitations in the state of Iowa. You have two years to file your intent to sue from the date of the accident. Of course, this two year window applies to those cases filed with the court, not with the insurance company. Nonetheless, the sooner you file the claim with your insurance, the better. One word of caution supersedes the two year rule, however. If your accident is with a government vehicle, such as a state penitentiary bus, there is usually a 60 to 90 day window in which to file the claim.
Whoever was at fault in your accident, there is still going to be the necessity for damages to be recovered. An Accident Lawyer in Cedar Falls, IA can help you sort through any options you may have. Most especially in the case of insurance companies, they will do their best to minimize any payments. After all, insurance companies are not in the business of losing money. Like any good accident attorney, they know how to manage the back and forth negotiations that often occur with automobile accident victims and the insurance companies.
