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QuestionInsurance Question  I was recently involved in an accident in Alabama in which I was not at fault. My husband received minor injuries. He is military and thus we don't have any medical bills at this time. Can he be paid for the scar that he now has in the middle of his forehead that is very visible and the minor back injury he sustained under the pain and suffering? Are there set guidelines on amounts for certain injuries in which there are no medical cost?

AnswerAuto Insurance Answer

You should contact the at fault party's insurance company about making a claim for these items that are related to the bodily injuries sustained in the accident. Though the medical expenses were paid for by another entity does not necessarily mean that the at fault party is not to pay for pain and suffering, lost wages, etc associated with the injuries caused by the accident.

In general, there are not normally set amounts for certain injuries in which there are no medical costs associated since insurance companies determine settlements on a variety factors using their own internal guidelines and adhering to state laws.

If you need more help with this claim after you have placed it with the at-fault's insurance carrier try contacting the AL Department of Insurance for consumer help. For a better understanding of Alabama laws you may also want to consult with a lawyer.

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