Slate’s Law Blog

Personal Injury: Who pays for my losses and/or injuries?

Personal Injury: Who pays?

When you have suffered a serious personal injury and need to seek financial compensation for your losses, you are likely wondering: who is responsible for paying for my damages? The answer to that question will depend on a variety of factors, including the circumstances surrounding your injury, insurance claim options, and whether you have evidence of fault. Whenever you have been injured in an accident or as a result of another party’s intentional wrongdoing, you should seek advice from a Santa Fe personal injury attorney who can help.

One of the dedicated advocates at Slate Stern Law can speak with you today about your case. In the meantime, we want to provide you with some additional information to help clarify who may be responsible for paying for your losses.

Seeking Compensation Through an Insurance Claim

For some types of personal injuries, you may be eligible to obtain compensation from an insurance company. When it comes to insurance payouts, these are most common for personal injuries sustained in motor vehicle crashes. Whether you were injured in a car accident, a truck accident, a motorcycle accident, or a pedestrian accident, you may be eligible to file an insurance through the at-fault motorist’s insurance company. Under New Mexico law, since New Mexico is a “fault” state for auto insurance purposes, injury victims can be eligible to file third-party claims like these through a responsible driver’s auto insurer in order to seek financial compensation. You may also be able to obtain compensation through a first-party claim, which is a claim you file through your own auto insurance company.

Some other types of personal injury cases also can lead to insurance payouts. For example, if you were injured in a premises liability accident like a slip and fall, the property insurer could compensate you for losses tied to your injury. Homeowners or commercial property insurance also may provide compensation in dog bite cases, for example. You should speak with a lawyer to learn more about your eligibility to seek compensation from an insurer.

Filing a Lawsuit Against the At-Fault Party to Seek Damages

When you are not eligible to seek compensation through an insurance policy, you may be eligible to file a lawsuit against the at-fault party. You should begin working with a Santa Fe personal injury attorney as soon as possible to gather evidence that proves the defendant is responsible for paying damages. You will also need to be sure that you file your lawsuit before the statute of limitations runs out.

Contact a New Mexico Personal Injury Attorney

When you have suffered injuries because of another party’s negligence or intentional act, it is important to seek compensation for your losses. Depending upon the specific facts of your case, and whether or not you can seek compensation through an insurance claim, an insurance company ultimately may be able to offer you a fair settlement, or the at-fault party may be responsible for paying damages after you win a civil lawsuit. One of our experienced Santa Fe personal injury lawyers can answer any questions you have today. Contact Slate Stern Law for more information about seeking financial compensation for the losses you have experienced.