The Most Common Types of Insurance Policies in Personal Injury Claims

Personal injury claims arise when an individual suffers an injury because of someone else’s negligence. These claims can be resolved through settlement negotiations or, if necessary, a lawsuit. The purpose of these claims is to compensate the injured person for their losses, which can include medical expenses, lost wages, and pain and suffering. The statute of limitations for filing a personal injury lawsuit can vary, making timely action crucial.

Several types of insurance policies can be involved in personal injury claims. Understanding the coverage and limitations of these policies is essential. 


Auto Insurance

This type of policy provides coverage if a driver causes harm to someone else. The at-fault driver’s policy will protect him/her from liability for the injured person’s economic losses and non-economic harm. In addition, if the injured person has his/her own policy, it can provide coverage for medical expenses and lost income. Auto Insurance can also pay for vehicle repairs and diminished value.


Homeowner’s Insurance

This sort of policy is designed to protect homeowners against financial losses resulting from damage or destruction to their property. It typically covers the dwelling itself, personal property, liability for injuries that may occur on the property, and additional living expenses if the home becomes uninhabitable.


Health Insurance

This is a policy that covers medical expenses and provides financial protection against the high costs of healthcare. It can include coverage for hospital stays, doctor visits, prescription medications, preventive care, and other medical services, helping individuals manage and mitigate the financial impact of medical treatments.


Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance, is a policy that provides coverage for professionals against claims of negligence, errors, or omissions in the performance of their professional duties. It is particularly relevant for individuals in professions such as law, medicine, or consulting, where mistakes could lead to financial losses for clients.


Navigating personal injury claims and lawsuits can be complex, especially when dealing with insurance companies. The role of different insurance policies is pivotal in determining the outcome of these claims. It’s essential to understand the coverage and limitations of relevant insurance policies, the negotiation process with insurance adjusters, and the impact of policy limitations.

Vames, Wang & Sosa Injury Lawyers can provide the necessary guidance, and negotiate on your behalf. Give us a call today to schedule a free consultation. We’re here to discuss your situation and give you our recommendation on how to best move forward.

Emery Wang

Emery Wang

Emery Wang has been a lawyer in Oregon since 2009. While attending Lewis & Clark law school, Emery worked as a Multnomah County District Attorney, and since then has been a full time personal injury lawyer.

Vames, Wang & Sosa Injury Lawyers focus on vehicle crashes, personal injury, and first-party car accident insurance claims. They have offices located in Gresham and Hillsboro.

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