{"id":1348,"date":"2014-03-19T14:00:00","date_gmt":"2014-03-19T14:00:00","guid":{"rendered":"https:\/\/www.allenandallen.com\/multiple-claims-arising-from-a-single-accident\/"},"modified":"2025-11-07T19:14:16","modified_gmt":"2025-11-08T00:14:16","slug":"multiples-reclamaciones-derivadas-de-un-solo-accidente","status":"publish","type":"post","link":"https:\/\/www.allenandallen.com\/es\/blog\/multiple-claims-arising-from-a-single-accident\/","title":{"rendered":"M\u00faltiples reclamaciones derivadas de un solo accidente"},"content":{"rendered":"

An overview of the different types of insurance claims in Virginia<\/span><\/h4>\n

All motor vehicle accidents are unique and every person injured in an auto accident has a different set of challenges to overcome in the aftermath of a collision. As personal injury<\/a> attorneys, we understand that every case is different and recognize that each client requires individual attention. While a general summary of insurance claims or coverage can never be applied across the board, it is important to understand that multiple claims may arise from a single motor vehicle accident. \u00a0The following summary provides a brief explanation of what these claims may be and the insurance coverage that may apply to a particular accident.<\/p>\n

1. Property Damage Claims:<\/span><\/strong><\/p>\n

Damage to a person\u2019s property, most often their car, may be handled under the liability portion of the at-fault driver\u2019s insurance policy.\u00a0If a claim is handled in this manner, the at-fault driver\u2019s insurance carrier will pay for the repair of the vehicle or issue a check to compensate the owner for the present value of the vehicle at the time of the collision if the car is deemed to be a total loss.<\/p>\n

Damage to the at-fault driver\u2019s vehicle may be handled under the collision portion of that driver\u2019s policy.\u00a0Typically, collision coverage carries a deductible that the at-fault driver must pay before their insurance carrier will cover the remainder of the repairs. Importantly, collision coverage is not required in Virginia. If a driver does not purchase this coverage and is responsible for causing an accident, their insurance carrier is not responsible for paying for the repair.<\/p>\n

If the person who caused the accident does not have collision coverage, damage done to other people\u2019s vehicles may be handled under the uninsured motorist property damage coverage of the other driver\u2019s policy. In this situation, the insurance carrier for the person who is not at-fault in would assume responsibility for paying for the damage.<\/p>\n

2. Bodily Injury Claims:<\/span><\/strong><\/p>\n

In Virginia, bodily injury claims seek the recovery of medical expenses, lost wages, pain, suffering and inconvenience. They may be handled under the at-fault driver\u2019s liability insurance coverage. The insurance carrier for the person who caused the accident is required to compensate the other injured parties for reasonable and related medical expenses, lost wages, bodily injuries, physical pain, mental anguish and inconvenience caused by the collision. The limits of the at-fault driver\u2019s insurance policy govern the maximum amount their insurance carrier is required to pay to each person injured and the total amount their insurance carrier is required to pay for each accident.<\/p>\n

If the at-fault driver is uninsured, such claims may be handled under a person\u2019s own uninsured motorist (\u201cUM\u201d) coverage.\u00a0Although these people were not at fault in causing the collision, if there is no liability insurance policy covering the responsible person, the insurance carrier may step into the shoes of the at-fault driver\u2019s liability carrier and pay for the damages resulting from the crash. Maintaining up-to-date insurance that affords \u201cUM\u201d coverage can be the only source of compensation if someone is injured by and uninsured driver.<\/p>\n

In situations where a person\u2019s \u201cUM\u201d coverage is greater than the at-fault driver\u2019s liability coverage and the damages exceed the limits of liability coverage, an injured person may also make a claim under their own policy for the difference. This is known as an underinsured motorist (\u201cUIM\u201d) claim.\u00a0Based on individual facts and circumstances, there may be more than one policy that provides UM or UIM coverage to a person injured in a motor vehicle accident.<\/p>\n

3. Medical Expense Benefits Claims:<\/span><\/strong><\/p>\n

Medical expense benefits coverage, sometimes called \u201cmed pay,\u201d \u00a0is optional coverage in Virginia that is available to pay the medical expenses of a covered injured person up to the policy limits.\u00a0 A \u2018med pay\u2019 claim, when available, may be made in addition to an injury claim made under liability, UM and\/or UIM coverage.\u00a0 Under Virginia law, a \u2018med pay\u2019 insurer may not subsequently \u00a0recover its payments from a person\u2019s liability claim<\/a> [1] <\/a>In the world of personal injury we call this a collateral source of recovery because it may provide an additional source of compensation for medical expenses incurred in a collision.<\/p>\n

4. Worker\u2019s Compensation Claims:<\/span><\/strong><\/p>\n

If a person is injured by a third party while that person is within the course and scope of their employment, they may be eligible to make a claim under their \u00a0employer\u2019s worker\u2019s compensation insurance.\u00a0 When a person receives both worker\u2019s compensation coverage and payment from a liability insurance carrier, the worker\u2019s compensation carrier is entitled to recover the amount of money it paid to the injured person, less an allowance for attorneys fees and costs.\u00a0 Neither the author nor the firm of Allen and Allen practice worker\u2019s compensation law.<\/p>\n

All of these claims may have different timeframes within which they must be brought.\u00a0 For example, while a claim for personal injuries is often subject to a two year statute of limitations, a claim for property damage is generally subject to a five year statute of limitations.[2]<\/a>\u00a0<\/a><\/p>\n

If you or someone you know is injured in a motor vehicle collision it is important to understand that there may be many separate claims available. These multiple claims can be complicated and confusing. Consulting with an attorney who will review all the facts and circumstances of the case, look for all available insurance coverage and who knows the law governing recovery can be vital in protecting full and fair recovery.<\/p>\n

\n

<\/a>[1]<\/a> See Virginia Code section 38.2-2209 available at: <\/span>http:\/\/leg1.state.va.us\/cgi-bin\/legp504.exe?000+cod+38.2-2209<\/a> .<\/span><\/p>\n

\n
\n

<\/a>[2]<\/a> These statutes of limitations are available online at: http:\/\/leg1.state.va.us\/000\/cod\/8.01-243.HTM .<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Una descripci\u00f3n general de los diferentes tipos de reclamos de seguros en Virginia Todos los accidentes automovil\u00edsticos son \u00fanicos y cada persona lesionada en un accidente automovil\u00edstico tiene un conjunto diferente de...<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1348","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"yoast_head":"\nMultiple Claims Arising From a Single Accident<\/title>\n<meta name=\"description\" content=\"An overview of the different types of insurance claims in Virginia All motor vehicle accidents are unique and every person injured in an auto accident has\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.allenandallen.com\/es\/blog\/multiples-reclamaciones-derivadas-de-un-solo-accidente\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Multiple Claims Arising From a Single Accident\" \/>\n<meta property=\"og:description\" content=\"An overview of the different types of insurance claims in Virginia All motor vehicle accidents are unique and every person injured in an auto accident has\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.allenandallen.com\/es\/blog\/multiples-reclamaciones-derivadas-de-un-solo-accidente\/\" \/>\n<meta property=\"og:site_name\" content=\"Allen and Allen\" \/>\n<meta property=\"article:published_time\" content=\"2014-03-19T14:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-08T00:14:16+00:00\" \/>\n<meta name=\"author\" content=\"superfli\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@allenandallen\" \/>\n<meta name=\"twitter:site\" content=\"@allenandallen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"superfli\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"M\u00faltiples reclamaciones derivadas de un solo accidente","description":"Una descripci\u00f3n general de los diferentes tipos de reclamaciones de seguros en Virginia. Todos los accidentes automovil\u00edsticos son \u00fanicos y cada persona lesionada en un accidente automovil\u00edstico tiene","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.allenandallen.com\/es\/blog\/multiples-reclamaciones-derivadas-de-un-solo-accidente\/","og_locale":"es_ES","og_type":"article","og_title":"Multiple Claims Arising From a Single Accident","og_description":"An overview of the different types of insurance claims in Virginia All motor vehicle accidents are unique and every person injured in an auto accident has","og_url":"https:\/\/www.allenandallen.com\/es\/blog\/multiples-reclamaciones-derivadas-de-un-solo-accidente\/","og_site_name":"Allen and Allen","article_published_time":"2014-03-19T14:00:00+00:00","article_modified_time":"2025-11-08T00:14:16+00:00","author":"superfli","twitter_card":"summary_large_image","twitter_creator":"@allenandallen","twitter_site":"@allenandallen","twitter_misc":{"Written by":"superfli","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/#article","isPartOf":{"@id":"https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/"},"author":{"name":"superfli","@id":"https:\/\/www.allenandallen.com\/#\/schema\/person\/614e3c785f884823fbc9ff741159789c"},"headline":"Multiple Claims Arising From a Single Accident","datePublished":"2014-03-19T14:00:00+00:00","dateModified":"2025-11-08T00:14:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/"},"wordCount":965,"commentCount":0,"articleSection":["Blog"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/","url":"https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/","name":"M\u00faltiples reclamaciones derivadas de un solo accidente","isPartOf":{"@id":"https:\/\/www.allenandallen.com\/#website"},"datePublished":"2014-03-19T14:00:00+00:00","dateModified":"2025-11-08T00:14:16+00:00","author":{"@id":"https:\/\/www.allenandallen.com\/#\/schema\/person\/614e3c785f884823fbc9ff741159789c"},"description":"Una descripci\u00f3n general de los diferentes tipos de reclamaciones de seguros en Virginia. Todos los accidentes automovil\u00edsticos son \u00fanicos y cada persona lesionada en un accidente automovil\u00edstico tiene","breadcrumb":{"@id":"https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.allenandallen.com\/blog\/multiple-claims-arising-from-a-single-accident\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Virginia Personal Injury Lawyer","item":"https:\/\/www.allenandallen.com\/"},{"@type":"ListItem","position":2,"name":"Multiple Claims Arising From a Single Accident"}]},{"@type":"WebSite","@id":"https:\/\/www.allenandallen.com\/#website","url":"https:\/\/www.allenandallen.com\/","name":"Allen y Allen","description":"Protegiendo a los heridos desde 1910","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.allenandallen.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/www.allenandallen.com\/#\/schema\/person\/614e3c785f884823fbc9ff741159789c","name":"superfli","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/9c221e26d864c7a266fee68157c87e9cd73a005ab83e394413b434c7bdf791ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9c221e26d864c7a266fee68157c87e9cd73a005ab83e394413b434c7bdf791ea?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9c221e26d864c7a266fee68157c87e9cd73a005ab83e394413b434c7bdf791ea?s=96&d=mm&r=g","caption":"superfli"},"url":"https:\/\/www.allenandallen.com\/es\/author\/superfli\/"}]}},"_links":{"self":[{"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/posts\/1348","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/comments?post=1348"}],"version-history":[{"count":0,"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/posts\/1348\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/media?parent=1348"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/categories?post=1348"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allenandallen.com\/es\/wp-json\/wp\/v2\/tags?post=1348"}],"curies":[{"name":"Gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}