How does automobile/truck collision insurance work?

This can be either a very simple matter or a complex one depending upon the circumstances of the collision, the location of the collision, and the insurance companies involved.  The laws of the District of Columbia are very different from those of Maryland or Virginia.  The application of those laws to individual collisions can be difficult.  Suppose one is a Maryland resident with a Maryland insurance policy who is involved in a collision in the District of Columbia while working for a Virginia employer.  It is possible that the injured party could make personal injury protection and/or Medpay claims on their Maryland insurance policy while pursuing a claim against the other driver’s insurance company and a workers compensation claim in either Virginia or the District of Columbia.  As one could imagine there are very many complex scenarios that require a serious legal evaluation by someone experience performing these cases.

The basic rule of thumb is that the injured party makes a claim against the insurance company of the driver responsible for the collision.  The claim can be for many things including past and future medical expenses, past and future lost wages, loss of household or family services, and a host of other losses or difficulties which are generally encompassed by the term “pain and suffering”.