Dangers of Settling with an Auto Insurance Company
A car accident can turn your entire life upside down. One minute you’re driving into work, going to the store, or picking up the kids. Then, in an instant, your car is damaged and you’re in pain. You probably know that you need to file an insurance claim. But how does the claims process work? What do you need to do to obtain the money that you deserve? You’re faced with more questions than you…Continue Reading
Insurance Basics: Drafting the Perfect Demand Letter
Have you suffered a personal injury as a result of someone else’s negligence? Maybe you were involved in a rear-end collision with a distracted driver. Or, perhaps the negligence of a store owner resulted in unsafe conditions that led you to slip and fall. As a result, you may be struggling with pain, mounting medical bills, lost wages, or property damage. When your injury is someone else’s fault, you may be entitled to compensation. Of…Continue Reading
Why Insurance Companies Do Not Want Injured Victims to Hire Attorneys
Insurance companies and adjusters always want to convince victims, even with the most serious of injuries, not to hire counsel. It could be because the insurance company often faces negative exposure in cases where someone is paralyzed, suffered the loss of a limb, or sustained a devastating head injury. They hope to convince a victim to not get the help they may need. Some comments an insurance company may make are: “You don’t need a…Continue Reading
Uninsured Motorist Coverage vs Underinsured Motorist Coverage
Your car insurance policies may vary in their coverage. Such is the case of these important coverages: Uninsured Motorist Coverage, which protects you from a guilty driver who does not have auto insurance; and Underinsured Motorist Coverage, which protects you from a driver whose insurance is not enough to cover the costs of an accident. Expanding a little more on these coverages, coverage against uninsured drivers is a part of your auto insurance that protects…Continue Reading
What is Good Faith and Who Forces Insurance to Act this Way?
Insurance policies create a contract that requires an insurance company to act in “good faith”. This foundation requires both parties to act with the utmost honesty and not to arbitrarily interpret the terms included in the agreement. If you are involved in an automobile accident, both the insurer and the insured are expected to act in good faith. You as the insured must give the information of the crash or accident without altering it, always…Continue Reading
If you are an undocumented immigrant in the US, can you file for an insurance claim after a car accident?
Undocumented immigrants in the United States do not deserve to suffer. In fact, they have many legal rights, such as the right to get help from a good lawyer. The US Court ruled that undocumented immigrants have the same fundamental rights that any US citizen or resident enjoys while in the United States. In the event of being involved in a car accident, the reporting police officer will only record your personal information, your driver’s…Continue Reading
What Determines the Price of an Auto Insurance Policy?
Many factors affect the price of an auto insurance policy, and these same factors help calculate the chances of having a car accident. According to the Insurance Information Institute, these factors are: Driving record: the better the record you have, the lower your premium. Avoid traffic violations, accidents and tickets. You may also pay more money if you are a new driver or if you haven’t had any vehicles. Usage of the car: the more…Continue Reading
Myths About the Right to Receive Compensation After a Car Crash
When car accidents occur, people start to wonder about what is and is not covered by their insurance policy. There are some false beliefs and myths that have stopped many people from opening a case with their insurance company to get the compensation they need and deserve. Rumors from false experts may even push people away from the claim they have the right to bring by law. Here are some of these myths: Every case…Continue Reading
Should I Include My Teenager Son/Daughter in my Insurance Policy?
The Insurance Information Institute offers some advice on financial protection for parents whose teenagers are new drivers: Include your son or daughter in your own insurance policy: it is usually cheaper to do this than to get them a new policy under their own names. If they are having their own car registered under their name, you can use your same insurance company, and you may, as a result, qualify for a discount. Ask how…Continue Reading
Tactics Insurance Companies When a Car Accident Lawyer is not Present
When dealing with your car insurance company, it’s imperative to consult an attorney to guarantee a suitable compensation. Insurance companies use various tactics to lower the compensation you should receive. Take a look at the following examples: They take advantage of the Hispanic culture by rambling while they barely allow Hispanics to speak - this happens when they are taking the statement How is the weather today? It’s going to rain because it also rained…Continue Reading