Find the Law. Find the Coverage. Find the Next Step.
VictimsGuide is a public-interest national reference for people navigating a serious motor-vehicle crash, insurance claim and recovery. Start with the state where the event occurred, or start with the problem you need to solve.
Choose your starting point
You do not need to know the legal category. Enter through the state, the crash workflow, the problem in front of you, or the research path.
01
Find Your State
Open the permanent state doorway and use the law that governs there.
02
Start After a Crash
Preserve the record, identify insurance, develop damages and avoid premature finality.
03
Choose the Problem
Enter by coverage, claims, fault, evidence, medical loss or settlement.
04
Research the Law
Trace guidance to statutes, regulations, policies, cases and official records.
NATIONAL STATE LAW LIBRARY
Find the law of your state.
The national library covers all 50 states. Auto insurance and crash law are state specific. Coverage mandates, insurer duties, comparative fault, deadlines, damages and settlement law can differ materially from one jurisdiction to another.
Choose what you are trying to solve.
Begin with the practical problem in front of you, then use the applicable state library to reach the governing rules.
Crash & Evidence
Safety, police, scene documentation, vehicles, witnesses, video, EDR data, medical chronology and preservation.
Insurance & Coverage
Driver, owner, household, employer, commercial, umbrella, UM/UIM, MedPay/PIP, exclusions and stacking.
Claims & Insurer Conduct
Statements, investigation, proof requests, delay, denial, partial payment, claim records and regulatory remedies.
Liability & Fault
Driver conduct, owner liability, employment, commercial use, rideshare, public entities and comparative fault.
Medical Bills & Damages
Treatment, bills, benefits, lost income, future care, property loss, liens, reimbursement and net recovery.
Settlement & Recovery
Policy-limit demands, releases, UM/UIM preservation, liens, litigation, deadlines, finality and net recovery.
Use a disciplined recovery sequence.
The details vary by state, but the order helps prevent early uncertainty from becoming irreversible finality.
1
Preserve
Scene, vehicles, witnesses, records, video, EDR data and treatment chronology.
2
Identify
Responsible parties, policies, employers, commercial use and first-party benefits.
3
Develop
Liability, causation, medical loss, wage loss, property loss and future damages.
4
Verify
Policy language, statutes, deadlines, liens, reimbursement and unresolved coverage.
5
Decide
Evaluate settlement only after the material coverage, damages and finality questions are known.
Move from explanation to authority.
VictimsGuide organizes difficult systems in plain language while preserving a direct route back to the sources that control.
Source-control hierarchy
A summary is an index entry, not a substitute for authority. Current primary law, the actual policy and current procedural history control.
State Law
Each state doorway organizes coverage, claims, liability, damages, settlement and authority materials.
Citizen’s Guides
Use practical guides to preserve evidence, identify coverage and develop the claim record.
20 Illusions
Identify recurring assumptions that can hide coverage, distort decisions or create premature finality.
One national doorway. State-specific law underneath it.
Find the state. Identify the problem. Preserve the record. Trace the law. Make an informed decision.
Public-interest 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.
Migration source: VictimsGuide.com. Verify current primary authority before reliance.
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