Wife was driving down a dirt road deer ran out in front of her tried to miss it and went off rod hit a tree car was towed wife went to hospital with broken nose two spots left eye was damage when air bag hit her glasses . then we got a fine for driving with out insurance.
The Unexpected Encounter: Navigating Wildlife Collision Without Special Insurance
Background Understanding of the Issue
It appears that your wife was involved in a car accident when attempting to avoid a deer on a dirt road, resulting in serious injuries and damage to the car. Initial correspondence from your insurance company stated that you didn't have coverage, but they've now informed you that you do.
In the midst of this, your vehicle has been impounded and you received a fine for allegedly driving without insurance.
Legal Perspective and Potential Solutions
From a legal standpoint, there are a few steps you should consider.
Firstly, Document Everything: It's important to keep a thorough record of all interactions, correspondence and statements you've had with the insurance company, as well as any documentation related to your wife's accident, injuries, and treatment.
Secondly, Challenge the Fine: Given the insurance company has acknowledged that you do in fact have coverage, you should be able to contest the fine for driving without insurance. You may need to engage an attorney to help with this process.
Lastly, Insurance Company Negotiation: You should contact your insurance company and provide them with all relevant details of the accident, and your wife's subsequent medical treatment. The company should cover your wife's medical expenses, as well as the damages to your car according to the specifics of your policy. If you face resistance, this is where legal representation could be beneficial.
Legal Authorities and Resources
It may be helpful to seek advice from relevant legal authorities and resources in Vermont. The Vermont Department of Financial Regulation is a good place to start. They oversee insurance regulation in the state, and can provide assistance if you're having trouble with your insurance company.
You may also consider hiring a lawyer to help you navigate this process. You can use these resources to compare lawyers in your area or to find the best lawyers.
Attorney Rates in Vermont
The cost of an attorney can vary widely depending on experience, expertise, and location. Below are the average hourly rates for attorneys in Vermont:
| Years of Experience | Average Hourly Rate |
|---|---|
| 0-2 Years | $150 - $200 |
| 2-5 Years | $200 - $250 |
| 5-10 Years | $250 - $350 |
| 10+ Years | $350 - $500 |
Please note that these are average rates and actual costs may vary.
Legal Disclaimer
This response is intended to provide general information related to legal issues. It is not legal advice, nor is it intended to create an attorney-client relationship. For specific advice related to your situation, please consult with a qualified legal professional in your area.
Always remember: Dealing with legal issues can be complex and each case is unique, so it is always best to seek professional advice.
