COORDINATION OF INSURANCE BENEFITS

       A person injured in an automobile or truck accident is often faced with immediate loss of income and loss of a vehicle. They need the assistance of an experienced and effective personal injury attorney. The Morris James Personal Injury Attorneys can help you through the difficult stages following your automobile or truck accident. Your attorney will gather all of the information regarding potential sources of insurance for payment of medical bills and wage loss. Your attorney will analyze the insurance coverages available to you and put a plan in place to maximize the benefits to you. In an effort to assist you, we will be asking you to provide us with answers to the following questions:

1. What insurance company covered the car you were in at the time of the accident? (We are trying to ascertain the amount of PIP and uninsured/ underinsured motorist coverages available to you for this accident.)
   
2. Are you employed and, if so, does your employer provide you with short and/or long-term disability insurance and, if so, who pays the premium? (We are trying to ascertain if you are entitled to lost wages under no-fault or under any employer sponsored disability plan.) If you have short and long-term disability insurance available, whether you can collect no-fault depends on who pays the premium for the short/long term disability insurance.
   
3. Do you (or any relative you live with) own any cars not involved in the accident, that carry Delaware insurance? (We are trying to determine whether there is additional PIP or uninsured/underinsured motorist coverage available to you for this loss.)
   
4. Do you have private health insurance? (We are trying to determine if there is another source for medical bill payment beyond PIP and what referral rules need to be followed for care.)
   
5. Were you in the course and scope of your employment at the time of the automobile or truck accident? (We are trying to determine if you are entitled to workmen's compensation benefits.)

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Contact MorrisJames Personal Injury Group

302-655-2599 (Wilmington) - 302-368-4200 (Newark) - 302-678-8815 (Dover)

The MorrisJames Personal Injury Group has been helping victims of serious Auto Accidents in Delaware for a combined total of 81 years. We have offices in Dover, Newark, and Wilmington. Contact us today