The Best Cheap All Insurance: Car accident

Showing posts with label Car accident. Show all posts

Friday, February 5, 2016

How Do Accidents Affect my Car Insurance Policy?

Hi, my name is Regina and I'm a Client Care Specialist for Western Direct Insurance. A common question I get asked is: How does an accident affect my car insurance policy? Now although accidents are unintentional, this doesn't mean you're not responsible. If you're at fault for an accident, it could stay on your insurance record for 6-10 years.

Depending on the insurance company's rating rules, this could affect your premiums a little or a lot. Sometimes, this could result in a loss in discount such as a claims-free discount. Or it could result in a hefty surcharge. Or it could result in a driver being re-rated as a driver to a beginner's rate. Some insurance companies may elect to just decrease a driver's record slightly Instead of penalizing you to start over at a beginner's rate.

It is important to ask your insurance company how they view accidents in the event of a claim. To learn more, call this number to speak to a licensed insurance agent. Or, click here for a car insurance quote. You can save up to 30% on your car insurance.

Saturday, January 30, 2016

Tricked into Settling Your Georgia Personal Injury Claim for Too Little Money?

Unknown at 10:59 PM No comments:

What major mistakes do folks make when dealing with an insurance company adjuster? Well, the biggest mistake, sometimes, is just being intimidated by them. There are good adjusters and bad adjusters and some will threaten you by saying something like, "Well if you don't sign this form, I'm going to close your case."

This is really an empty threat! There are specified time periods when dealing with the claim and the insurance companies can't ignore this time period. They may say something to you like... "Well, we can't review your case until we get a recorded statement." Again, that's simply not true!

They can even show up at your hospital or go to your home And they may offer you money to settle your case. All these things are used as tactics to intimidate you settle your case. Sadly, some people call us after cashing a check, or settling their case, and they're still hurting and need more medical care.

But at that point, there's really not much we can do to help you, because your case is over! So we have put together a lot of good important information, such as our consumer guide, "Mistakes to Avoid if You've Been in a Car Accident"

Or you can watch our informational videos online. You may not need a lawyer, but you should get this information, and review it before talking to the insurance company adjuster. I know this will help you in the claim process. If you decide I'm the right attorney for you, give me a call and I will listen to the facts of your case and consult with you.

Car Accidents & Quick Settlement Offers - The Straight Truth

Unknown at 8:38 PM No comments:

Welcome and thank you for joining me. I'm Gerry Oginski, a New York medical malpractice and personal injury accident attorney practicing law here in the State of New York. For those of you who've been involved in a car accident, I want to tell you about a great why that insurance companies go about trying to save thousands and thousands of dollars to get you to settle your personal injury accident claim.

The insurance company rep will want to talk to you to find out what your injuries are. They will want to know whether you are still undergoing medical care, whether you had hospitalization, whether you need surgery, whether you need physical therapy or rehabilitation therapy or whether you need ongoing medical intervention. Why do they do that? Because they want to know what the risk is from a financial standpoint on their end as to whether they are going to have to ultimately pay you, assuming that they have liability, for your injuries.

If they can try and limit the amount that they are going to pay you by offering a quick settlement now, it's in their interest to try and do that. I have seen many times where an insurance company feels that they have liability and that they are documented damages and injuries, they will simply cut a check without being asked in the hopes that you will see a nice big check and take it and sign it and cash it. Once you do that, you are effectively giving up your right to bring a lawsuit and seek compensation for more than whatever it is that the insurance companies offer you.

That's one way that the insurance companies saves thousands and thousands of dollars by settling a case early without you even asking them for a dime. Plus, shortly after the accident, you may not know the full extent of your permanent injuries. You may not know whether you'll need surgery in the future or what type of therapy you're going to need. As a result of that, you're going to be speculating that you will not need those additional treatments just because you see a nice check in front of you. My advice is before you ever cash that settlement check, speak to an experienced attorney and find out if this is the right thing for you. In some cases, it might be. In other cases, you'll see that it's totally inappropriate and insufficient compensation for your injuries. That's it for today's video tip. I want to thank you for joining me. I'm Gerry Oginski, have a great day.

CT Accident and Injury Claims - Medical Records, Insurance Companies and Recovery

Unknown at 7:32 PM No comments:

if you have been injured through the fault of another in any type of connecticut car accident
motorcycle crash slip and fall dog bite or through doctor or hospital malpractice there are a number of issues which you need to concern yourself as you treat for your interest one of these issues involves the insurance company of the tactful part evaluating your cases value insurance company will review your medical records to see how the injury has a stick

insurance companies claim adjuster will course through your medical records is therefore very important to ensure that all of your pains injuries symptoms problems and restrictions are activities are expressed fear health care professionals in very great in specific detail so that these facts are included in all the democrats take control under medical treatment be sure to require all your problems pains and complains do notebook or charm and go through that list when you're treating physician or other healthcare professional this will allow your health care provider to provide you better treatment because all of your complaints will be no and hopefully all this information will be including your medical records

so the insurance adjuster we'll see how the injuries have affected insurance companies have a team of experts working hard looking for ways to pay you the least amount of money possible for your case
many times insurance adjusters will seem like they are working in your best interest and want to work with you to help resolve your client. you will only be helping them accomplish their objective in kenya least amount of money possible every time you speak directly to the charts company or insurance adjuster

you must realize at the insurance company representative is not your friend and it's not looking to assist you their jobs to save the insurance company money so-to-speak within do you do not agree to give record statement don't forget and you say kent will be used against you before you i return speak with sheriff's company or represented or sign anything get a copy of your free book today to crash course on personal injury claims in connecticut

What to Do After a Car Accident

Unknown at 7:45 AM No comments:

Accident sounds. An accident is an overwhelming situation that can happen anytime, any place. Being prepared to handle the aftermath of the situation can help alleviate the stress. Here are a few simple steps to follow. First, stay calm. Call the police and give the exact location of the accident and advise if medical help is needed.

Then, if your vehicle is not heavily damaged, move it and yourself to a safe location away from traffic. Once you are safe, contact your insurance agent. They will advise you on collecting the information you need and starting the claims process.Record the facts about the accident. These will be important in determining fault and settling your claim.

Take note of all vehicles involved in the accident including make and model and license plate numbers. Describe the damage to each and, if possible, take photos. Record the names of the other drivers and gather their contact information. Exchange insurance information with the other drivers including the name and telephone number of your insurance company, but do not provide specific information about your coverage.

Gather contact information from any witnesses to the accident, including passengers in the other vehicles. Also take notes of any property damage caused by the accident and get photos, if possible. Most importantly, do not admit fault. Whether you caused the accident or not, statements made now could be used against you later. Just stick to the facts. Remember, your insurance agent and your company claim representatives are there to guide you every step of the way from reporting and settling the claim to repairing the damage. Their job is to get you on the road to recovery as soon as possible.

Friday, January 29, 2016

Claims Examiner Offers You - New York Car Accident

Unknown at 10:54 PM No comments:

The claims examiner calls you and offers you a pathetic sum of money to settle your accident case. Hi. I’m Gerry Oginski. Come on in. I’m a New York medical malpractice and personal injury attorney trial attorney.

Today’s video focuses on car accidents and what happens when a claim examiner calls you and offers you a few thousand dollars to settle your case. Remember the claims examiner has a specific agenda; they want to get these cases over quickly. They authority up until a certain amount that they will try and offer you in order to get rid of and get your matter resolved. However, if you have medical bills, if you have ongoing injuries, how do know exactly your injuries are worth?

If you have, obviously if you have property damage, that’s a defined number and that can be calculated by going to an appraiser, by going to an auto body repair shop, and then you can negotiate over which one exactly has the correct pricing. But, if you have ongoing care and treatment how are you going to properly evaluate whether or not your particular injuries are worth a particular dollar value? The claims examiner's job is to limit the amount that they hand out.

Your job - or I should say your attorney’s job - is to maximize the recovery that you achieve. And remember those two agendas are at odds, so how do you resolve that and what do you do? Well, when the claims examiner calls you to offer a settlement or when they send you a settlement check without you even asking and see you that check in front of you, it’s for a few thousand dollars. Many people attempt to go ahead and can cash that check right away.

And I’m going to tell you right now, don’t do it. Because by doing that you are going to be giving up your rights and it will prevent you from going ahead and getting full satisfaction for the injuries that you suffered as a result of somebody else’s wrongdoing. Well that’s it for today’s’ video tip about claims examiners when they call you or send you a check without you asking for it. I’m Gerry Oginski, here in New York. And by the way, if you found this information helpful press the “Like” button below, so all your friends can get the benefit of the same information.

How Does Car Insurance Work in an Accident?

Unknown at 2:47 PM No comments:

You were just in a car accident, the last thing that you thought would happen. My name is James, I'm an auto insurance agent, and wanted to let you know about a couple of things that you want to do immediately upon having that accident.

The first thing you want to do is get your insurance card out and look for an eight hundred number, and this way you can alert the claims adjuster that you were just in a car accident. I know it's traumatic, but that's the really best thing that you should do because the faster that you get the claims adjuster out there, the quicker you're going to get back in your car.

Many people can get a claims adjuster to come right to the accident. I don't know if you've seen many of these cars lately, but they'll show up, they'll help you, they'll fill out the paper work, and they'll process the claim electronically right away. Or you can go to the body shop once the car is towed and speak with the body shop people and they'll get the claims adjuster out there. But there are many carriers right now that are just user friendly.

They even have their own process centers where they'll take the car right from the car accident scene, and take it right to their own shops, process the paperwork, give you a loaner, and before you know it you're back on the road once they fix the damage. So again, my name is James, I'm an auto insurance agent, and I hope that was helpful.

The Three Types of Auto Accident Claims

Unknown at 1:52 PM No comments:

If you've been involved in an automobile accident, or a motorcycle accident, or an accident with an eighteen wheeler, generally there's three types of claims to establish. The first would be any and all liability claims, the second is going to be potential first part claims, and the third deals with what we generally call no-fault coverage. Let's start with liability claims.

When we're talking about liability, we're obviously referring to the at-fault party. In the context of an automobile collision, that would be the negligent driver. Remember though, you may also have a liability cause of action against the driver's employer. If the driver was in the course and scope of his or her employment.

And in some cases you may even have a liability claim against the vehicles owner, if the owner of the vehicle negligently entrusted it to the driver. The other type of claims that we typically see in the context of an auto accident is first party claims. That's going to be underinsured motorist claims and uninsured motorist claims.

Obviously uninsured motorist claims are seen in the context of a hit and run accident, where a driver hits you and flees the scene. Requirement in Texas is that there be actual physical contact between the vehicles. An underinsured motorist claim may be available if your damages exceed the at-fault party's liability limits. The final type of claim that we typically see in the context of an auto collision is a no-fault claim, which is primarily personal injury protection and med-pay.

What we commonly refer to as PIP benefits, or something you carry on your own policy as a no-fault coverage, that generally entitles you to reimbursement of your medical expenses and wages in the amount of twenty five hundred dollars. The only difference with med-pay, is that your insurance carrier will have a subrogation right if you have a recovery against the at-fault party.

How Do Body Shops Work With Car Insurance?

Unknown at 1:03 AM No comments:

If you were just in a car accident and now you have to worry about what you do with your car, you might want to think about calling your agent, or the carrier that you're doing business with. My name is James Burrows, I'm an auto insurance agent, and I just wanted to let you know of the different types of ways that you could immediately get someone out to respond to your accident.

You could either have one of the carriers come direct, a lot of the carriers these days have people that are claims adjusters will come right to the accident, or they'll go right to the body shop. Many body shops have contracts with all of the major carriers and they will deal direct with that claims adjuster, but you do want to stay involved because you just don't know, you know, what they're going to do, or what they're going to pay for, and it all depends on the deductible that you have. So you definitely want to speak with your agent first, and then possibly speak with the claims adjuster.

There's always and eight hundred number that you can call. And these people are very friendly and they want to help you, and they're really looking forward to you getting back in your car and getting back on the road. So again, my name is James. I'm an auto insurance expert and just wanted to let you know a little bit about dealing with the body shops and the carriers when you have a car accident.

Disability Insurance Car Accident - Michigan Wage Loss Claims

Unknown at 12:44 AM No comments:

A wage loss claim ends after three years and an injured person is entitled to receive wage loss benefits for the first three years after the accident. But the way a person can still get wage loss even if their disability has ended.

So for example: if someone is injured in an accident and they are off work for a year, the doctor releases them back to work but their job is no longer there the injured person can still receive benefits, wage loss benefits while they are looking for new employment. If your doctor releases you back to work you can still make a wage loss claim even if you are no longer disabled. If your job that you had before the accident is gone and you can´t go back to it you are entitled to get wage loss benefits while you are looking for work.

If you do find a job and the job does not pay as much money as you where earning before the accident you are entitled to get what is called a wage loss differential which is the difference in income that you where earning before the accident and what you are earning after the accident.

If a person is released back to work who has been injured but has been released back to their job with restrictions or they have been released with restrictions and they can't go back to their old job because of the restrictions the person is still entitled to receive wage loss from the insurance company. So for example:

if a person is making half the amount of money as a result of restrictions from their injuries from the accident they are entitled to get what is called a wage loss differential which is the difference between what they where earning before the accident and what they are earning after the accident and this wage loss differential is available up to the first three years after the accident to the injured person.

Thursday, January 28, 2016

Michigan Car Accident Law - No Fault Insurance Claim

Unknown at 11:30 PM No comments:

There is a certain type of form that an injured person must file with an insurance company in order to get no fault benefits. This form is called an application for no fault benefits. In fact, we have a form on our website which can be downloaded for free from the website. It`s in our forms section and it愀 the form that most insurance companies use and it is needed in order to make a claim for no fault benefits.

There is a certain time period that an injured person must file an application for no fault benefits with the insurance company. Under Michigan law, the application for benefits must be filed within one year of the date of the accident, and if the form is not filed with the insurance company within one year, the injured person will not be able to make any claims for no fault benefits.

A person does not need a lawyer to file a claim for no fault benefits. Many times the person can obtain the application for no fault benefits on their own, can file with the insurance company and then submit claims to the insurance company and get paid for their wage loss, medical expenses and household services.

The insurance adjuster does not always tell the injured person what benefits they are entitled to receive. Many times I have seen cases where the insurance company and the insurance adjuster will not tell very valuable benefits that an injured person and their family can receive and these benefits after a certain time period if the claims are not submitted are lost forever.

An injured person can find out all the benefits that are available to them under the Michigan no fault laws by consulting and speaking with an experienced attorney who has handled no fault cases in the past. I have written a book called. The Ultimate Michigan Car Accident Handbook which explains all the benefits that a person can receive under the Michigan No Fault Act and under their insurance policy.

car accident, motorcycle accident, slip and fall, medical malpractice, dog bite injury, and other cases throughout Michigan.

Wednesday, January 27, 2016

Car Accident Insurance Claims in United States of America

Unknown at 10:38 PM No comments:

If you've been injured in a car accident and it involves one or the insurance companies that you find on this list-- Geico is one of the biggest insurance companies in California. One of those companies that when you try to negotiate with them to settle a case, they initially take a hard stand and we may push them. And we either push them with the threat of litigation or actually in filing suit.

And my experience has been that in 35 years of practice. So it is one of the better insurance companies when it comes to, eventually, paying off. Access General is an insurance company that has been coming up more and more, and which I don't know how they get away with doing. But as we know will purchase policies from Access General. Access General. Is an out of state insurance company. The are more expensive.

And it's a benefit too, to people, to have affordable insurance coverage. But the problem is the facts of an accident or that an accident is even occurred when you're making a claim against them. So what happens, for example, exchange at the scene, and then the client will go to the doctor to treat his injuries or her injuries. and very often, almost always, I think, there's only been one case in the past presented. If they do everything by phone or they can't confirm that an accident has even occurred with one of their insureds.

And so they will take the position that we can't confirm an accident. The only thing you can do at that point is file a lawsuit against their insured. And at that point you can settle the case. If we're not able to serve them you have to get a lot of documentation for the court to approve that process. It's more expensive. But eventually you will settle the case. Because they don't want a judgment being taken against their insured. But sometimes they will say, well, their insured did not [INAUDIBLE] and claim if your client does have uninsured motorist.

If your client doesn't have uninsured motorist coverage you may be out of luck. Because Access--Because you might have a situation like Access General where they send out one or two letters or call a couple times and give up. I don't think that's fair to their insured. And it's, I think, genuinely not fair to your client by General or by their own insurance company.

30 years or so in California. They've gone through several permutations. When I first started practicing about 35 years ago they were a very [INAUDIBLE], and they had a particular law firm that they sent all their cases to in those days. And they called themselves the "fraud-busting attorneys." That firm's no longer in practice. Because are involved in accidents. They generally are injured. Fraud is a very, very minor part of the auto claims in California.

It's about 15 years or so ago that they made that transformation. And they were a pleasure to deal with. Unfortunately, 21st Century was one of those insurance companies that were affected by the AIG debacle. Where AIG was an owner of 21st century. And they had economic problems even though 21st Century was fine, AIG had to sell them off as an asset. That doesn't mean that we cannot settle the case for good money without going to court. But it does mean that we have to let them know that we're going to fight. We have to make sure that the client goes to reputable doctors. That they get the kind of treatment that they need. That there's documentation of their injuries.

And when we send a package of settlement demands to 21st century, or any insurance company, we make sure that it's a very, very credible and saleable item. And so we can try to settle our case prior to litigation. And we usually do still with 21st Century. But very often we have to file suit or demand the uninsured motorist arbitration if it's that kind of claim. And, eventually, we will get the client the fair recovery they're entitled to.

We're usually happy when we're dealing with the Automobile Club because they're one of the fewer insurance companies, now, that actually use an adjuster who's a human being and not put everything into a computer program and you deal with a different adjuster all the time.

An adjuster is assigned at the beginning of the case. They are usually the one who handles it to the very end through resolution. Even if you go to trial or you're headed towards trial. They're the adjuster who is the same person who takes your client's statement to try to find out what kind of witness they make. They are the adjuster that the defense attorney gives his summaries to.

So we don't have that many cases against the Automobile Club at the present time that are in litigation. And, hopefully, they stay that way because the number of insurance companies that are dealing fairly with clients and people are injured in car accidents is getting less and less. Most of them are getting worse, unfortunately. And if we have attorneys who do not stand up to these insurance companies, who do not fight them all the way if they have to, then it's only going to get worse. So that would be my recommendation. That you go with an attorney who is willing to take your case all the way if necessary.

Mercury Insurance is an up and coming insurance company in California. They insure approximately 25% of the drivers in California right now. The bad thing about Mercury Insurance is they're one of the worst insurance companies when it comes to evaluating and paying claims. What they do is they use an approach where no matter what the injuries are, they will offer $4,000 to $6,000. And once they make that offer they will, maybe, move up $500

It doesn't take individual pain and suffering into account. It doesn't take into account the type of impact you have. For example, we could have a 70-year-old person who has damage of only $1,500 to their car. But a 70-year-old person could be hurt a lot worse than a 20-year-old person who has $10,000 damage to their car. But they don't take that into consideration. They base a lot of what they evaluate on the damage to the vehicles not the individual. And the thing about Mercury is they're consistent. Even if you do not accept Mercury's low-ball settlement offer and you file a lawsuit and go to litigation, it doesn't make much difference to them and the case usually does not get settled before it goes to trial.

I had a case about three or four years ago where we had a minor damage to a car-- about $1,000 on the client's car. But the client had a predisposition, he had a preexisting problem with his lower back. He had a smaller disc protrusion. And when the accident happened this disc protrusion actually herniated and it came into contact with his nerve in his lower back-- one of his nerve roots. And he had to undergo surgery.

The insurance company, no matter what, felt that, well, the damage was so small that we're going to offer $8,000 and that's it. We went to a settlement conference. We went through depositions. We went all the way to trial and he never came out with the $8,000 offer. We ended up getting nearly $100,000 on the case.

Can I Sue The Insurance Company? Car Accident

Unknown at 9:07 PM No comments:

Hi, I'm David Henson of HensonFuerst Attorneys, serving all of NC. In the event of a car wreck, drivers in North Carolina are protected by their insurance company, which handles claims against them up to the amount of insurance coverage purchased.

This means that if you're in a wreck, the insurance company is supposed to negotiate claims on your behalf in good faith. If they fail, meaning that the claim isn't settled and a lawsuit is filed, then the insurance company must hire an attorney to represent you, to the extent of the insurance coverage that you bought. This is where it gets tricky, however. In a traditional automobile wreck case, your legal claim is technically against the at-fault driver, not their insurance company (even though their insurance company has a legal obligation to handle it for them).

If the insurance company won't pay the fair value of your case, then you are only allowed to sue the at-fault driver. You cannot sue the insurance company, even though you would like to, or if it seems logical, or even if they have not negotiated your case fairly or in good faith. That's why, if a lawsuit is filed, the caption of the complaint will read “John Smith, plaintiff v. Bob Jones , defendant.” Nowhere in the complaint will Allstate, Nationwide, Geico or any other insurance carrier be named or referenced. Even more frustrating is that, during the trial of your lawsuit, the identity of the automobile insurance company cannot ever be mentioned in front of the jury.

Even though the insurance company is paying for the defendant's lawyer, even though there might be an insurance adjuster sitting in the courtroom, and even though the insurance company will have to pay the award that the jury makes, there can be NO MENTION of the insurance company. At the end of the trial, the jury will be asked how much is “Bob Jones, Defendant” obligated to pay to “John Smith, Plaintiff” as a result of the automobile wreck…NOT how much will the insurance company pay.

If even the existence of automobile insurance comes out during the trial and the jury hears it, then there is legal ground for a mistrial, which means that the trial will have to start over again with a new jury . This among the most frustrating and unfair laws in North Carolina. Juries are confused when insurance isn't mentioned in trial, especially because they know that we're all required to carry automobile insurance.

As a lawyer, I have seen countless cases where a jury makes an award believing that the judgment will have to be paid by the defendant personally, rather than by an insurance company who is in the business to do this. As a result, the award is often unfairly low for the types of injuries they are meant to compensate. We believe that insurance companies should be held accountable for the way that they treat injured people, and for they way they deny claims without regard to fairness or what is morally right.

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