Dinner with friends should be a great night out. Imagine sitting down with your best friends at a local restaurant to have dinner interrupted by a car crashing through the building.
This is exactly what happened at Mac’s Speed shop, the local barbecue favorite on South Boulevard. Three people were injured as a result of the crash, but luckily none of the injuries were serious.
The accident happened when a 15-year-old driver, with a temporary permit, was learning to drive the family vehicle. He was with his family at the time of the crash.
Lerner permit accidents are pretty common. A nervous driver sometimes means to hit the brake but instead hits the gas. Some of these accidents are benign and leave a funny story, but other times; these accidents can be quite serious and cause serious injury or even death to the driver or others. In these instances it’s good to know what steps to take to file a claim.
When a teenager drives with a valid permit they are covered under their parent’s auto insurance. Whatever benefits the parent has with their insurance company transfers to the student driver as long as they are behind the wheel and obeying all of the perimeters of their learners permit.
In a case such as the one above, the parent’s liability insurance will cover the damage to the restaurant and the injuries to the victims. Where it gets tricky is when there is not enough liability coverage to handle the entire claim. At that time, a good personal injury attorney can help you identify the best way to initiate a claim so that you can be made whole again following the accident.
Most insurance carriers recommend that coverage be $100,000/$300,000 for their liability coverage. This means that the person carries coverage for up to $300,000 total for the entire accident. If seven people have $50,000 claims, there is not enough to cover all losses and the policy is exhausted. Because claims are handled differently when multiple parties are injured, it is important to speak with an attorney to make sure that your losses are covered. Failure to act may result in a severe reduction to your claim or no compensation at all.
We at Auger and Auger understand personal injury law and are able to help make you whole again when involved in an accident. Call us today for a free evaluation of your claim.