VictimsGuide · National crash & auto insurance library
Find the law. Find the coverage. Find your next step.
A public-interest research library for people navigating a serious motor-vehicle crash, insurance claim, and recovery. Start with the jurisdiction or start with the problem in front of you.
The governing law starts with place
Start with the jurisdiction.
Choose where the event occurred. The state-law library organizes coverage, claims, liability, damages, settlement, and primary authority by jurisdiction.
Four ways into the library
Choose your starting point.
You do not need to know the legal category first. Start where the problem is clearest.
Find the governing jurisdiction.
Open the state library and work from the law that applies there.
Follow the crash-and-claim workflow.
Preserve evidence, identify insurance, document loss, and avoid premature finality.
Solve the issue in front of you.
Use practical guides for evidence, medical payments, policies, vehicles, rights, and procedure.
Test assumptions before they become decisions.
Recognize recurring beliefs that can hide coverage, distort claims, or create premature finality.
Problem navigator
Choose what you are trying to solve.
Enter through the practical issue, then use the applicable state library to confirm the governing rules.
Crash & Evidence
Scene records, police, witnesses, video, vehicles, EDR data, preservation, and claim chronology.
Insurance & Coverage
Policies, disclosures, household coverage, commercial use, umbrella, UM/UIM, and exclusions.
Claims & Insurer Conduct
Statements, proof requests, delay, denial, partial payment, claim records, complaints, and process.
Liability & Fault
Driver conduct, owner liability, employment, work use, public entities, and comparative fault.
Medical Bills & Damages
Treatment, MedPay, benefits, lost income, future care, liens, reimbursement, and damages records.
Settlement & Recovery
Demands, releases, UM/UIM preservation, liens, deadlines, net recovery, and finality.
VictimsGuide recovery framework
Use a disciplined recovery sequence.
The details vary by jurisdiction, but the sequence helps keep early uncertainty from becoming irreversible finality.
Preserve
Scene, vehicles, witnesses, records, video, EDR data, and treatment chronology.
Identify
Responsible parties, policies, employers, work use, and first-party benefits.
Develop
Liability, causation, medical loss, wage loss, property loss, and future damages.
Verify
Policy language, statutes, deadlines, liens, reimbursement, and unresolved coverage.
Decide
Evaluate settlement only after material coverage, damages, and finality questions are known.
One national doorway. State-specific law underneath it.
Find the state. Identify the problem. Preserve the record. Trace the law.
Then make the next decision with the important facts and authorities in view.
Public-interest legal education only. No legal services offered or accepted. No attorney-client relationship created. Verify current primary authority and the law applicable to the particular event before legal reliance.