Once you purchase your auto insurance policy, you may hardly think about it again other than to pay the bill. If, however, you are involved in a car accident, it is important to understand how your insurance works and what the policy covers.

When you have been hurt in a car accident or any other type of incident caused by the actions or negligence of another, you may be entitled to seek compensation for your injuries. Such compensation is usually intended to cover your medical bills, lost wages, property damage, and other measurable losses, but may also include non-economic damages such as pain and suffering or considerations for scarring or disfigurement. Collecting any kind of compensation can be challenging, however, and it is important to understand the steps that may be involved.