Category: Car Accident Claims

Page & Eichenblatt, P.A. – Insights

Personal injury is not a simple infliction of physical harm. It has a wider scope of cases that cause physical, emotional, and mental harm to victims due to the act or negligence of another party. The most common personal injuries in the US are due to car or vehicular accidents that vary from mild injuries to more severe damage that may result in death. Page & Eichenblatt, P.A. offers excellent info on this.

In this case, you or your loved ones are entitled to any financial compensation to cover for hospital bills and absence at work, as well as emotional and mental suffering. It is a good idea to consult a personal injury lawyer to protect your rights and get the right compensation due to you.

The cost of accidents

There truly is no fixed amount on the cost of an accident since each case is different; although it is the common question most people ask their lawyers. For your information, there are more than a dozen reasons and factors that determine the amount of compensation that a liable party should pay to a victim. Factors like the seriousness of the injury, the driver’s insurance policy, and other violations committed by the liable party have a bearing on the value of the case and its compensation cost.

If, however, you want to handle the situation on your own, chances are you would be dealing with a complex matter that could jeopardize the case for yourself. In addition, you may not know the required documents needed for your claim or your case.

The positive side in hiring a lawyer

Definitely, the terms lawyer, litigation, tort law, liability, and settlement may overwhelm anyone. This is the main reason why you must consider getting a personal injury lawyer. First of all, it may save you time researching and considering your best options in your claims. The job of your personal lawyer is to protect your interests and negotiate a better deal or settlement needed in your case.

Moreover, if the liable person is insured, you might find yourself facing the professional lawyers of the insurance company that would settle the payment. And you could bet that these lawyers are protecting the interests of their client. If you are not familiar with the law, then you could not beat them on their own turf.

Any personal injury or tort law incident is complex. One might think that a major lawsuit is on the way, but most of these cases are actually settled out of court. This is more practical to both parties than going through a lengthy trial in a civil court – not to mention costly.

On the whole, it is not just about finding a lawyer to handle a case. Lawyers are like doctors who specialize in a specific subject. In cases of accidents, dog bites, representation of athletes, wrongful death, and accidents on premises like slips and falls, your best weapon is to have a personal injury lawyer to advise you and help you throughout the process.

Balsiger Insurance in Reno – Different Types of Policies

car insurance service offers protection to the driver and passengers in the event an accident occurs. But it is up to you to choose the level of protection you will get. browse Balsiger Insurance in Reno

What questions are you to ask your auto insurance service provider when it comes to auto insurance matters?

in this article, we would discuss on what are the different types of auto insurance policies? we would provide them in details so that when you read through the end you will have knowledge on the different types of car insurance policies.

Types of auto insurance policy

Third party or Liability insurance –

This is often the lowest form of auto insurance policy offered by auto insurance service providers. This is the basic insurance policy you can have, if you got involved in an accident, and after investigation it was proved to be your fault, the auto insurance service provider will pay all the damages to the other party of the accident.

The cover you can get from auto insurance service provider is usually set beforehand. There is a basic set maximum amount they will pay you in case you got involved in an accident.

For instance, the agent can agree on a $10000 coverage per individual for bodily injury and or $40000 coverage in bodily injury and choose $10000 in property damage sustained in the accident.

You need to confirm from your auto insurance service provider what they will cover and what the limits are. Some insurance companies might offer you a very low premium only for you to realize that your cover is minimal and unrealistic.

Collision and comprehensive insurance coverage –

In a simpler term, comprehensive insurance coverage offers you protection in case you got involved in an accident and are proven to be responsible for the collision the insurance provider will pay for the repair of the vehicle.

But it doesn’t appear simple as you may think, the car insurance service provider will almost always have the final say on the amount to be paid out, so if it is cheaper for them to give you the market value for the car, then they will most definitely do it.

You may have the belief that your car is worth $10000.00 but the real market value of the car may be $5000.00. This is a common scenario. So if it happens that the real value of the repair of your car is more than $5000.00 then the insurance service provider will simply pay the real value of the car.

you have to make sure your auto insurance service provider is not in full control of the real market value of the car, normally an organization like the AA will always provide an impartial market value.

concerning third party insurance policy, the insurance service provider will almost attempt to limit the amount they will pay out to you, but in general terms, comprehensive insurance policy will always have a higher limit.

Recreation Vehicle –

A recreation vehicle often requires its own insurance, a Recreation vehicle insurance is quite different from the basic auto insurance. You should not assume that because your car has a comprehensive insurance, so is your recreation vehicle as well.

Other Types of auto insurance

Medical, Personal Injury protection and no fault cover –

This insurance will cover the medical expense for you and your passengers in case you got involved in a collision.

The insurance service provider under the no fault cover insurance policy will pay you regardless of who is at fault in the accident. This provides you the peace of mind for your family and friends.

Personal Injury protection is often a minimum requirement that is practiced in some states or countries, you can ask your insurance service provider what are the requirements in your state.

Underinsured /Uninsured motorists’ insurance coverage –

This policy offers protection to the policyholders if the person at fault is underinsured or not insured at all. It is advisable to ask your insurance service provider what will be your charges in case you got involved in such a situation. Normally the insurance provider should not charge you some extra premiums.

Rental reimbursement, towing and labor –

This extra coverage often given with a comprehensive insurance are considered as specials by auto insurance companies.

So in case your car got damaged the insurance service provider will pay you for rental cost for only couple of day. They can also offer to pay for the towing of your vehicle but not always included in the policy. You can also inquire from your insurance company what is included in the cover.

The legal requirements.

Most countries and sometimes states will require a certain level of cover ranging from full comprehensive auto insurance to a third party auto insurance.

On Understanding Car Accident Claims

Image result for car accident claims"When a car accident occurs, it is difficult times for those involved. A car accident claim against the insurance company for the damages can worsen the situation. There are many areas where the victims or the victims’ loved ones must deal with. These include claims adjuster, medical expenses, litigation, repairmen, and any other party involved at the accident site. But, an understanding of the car accident claims process can significantly reduce the anxiety associated with such unfortunate events. check this link right here now

Understanding the Car Accident Claim Process

The affected party must understand the various aspects of the claims process to lessen the unease when a claim occurs. Apprehensions are natural when a car accident occurs. Ask any British motorists how good they drive and in all probability they will tell you they are very good. And then go ahead and ask them how others drive, you will get an altogether contrary answer. As per statistics 19 percent of all drivers have been involved in some sort of accident in recent years, but nearly all of them are at pains not to accept blame. Therefore, it is important to go into the causes thoroughly and then proceed with caution during car accident claims.

Once the insurance company is notified of the accident, a representative of the company will be assigned to handle the claim. The first thing the investigating officer will do is to see whether the insurance is valid and whether the loss is covered under the policy. The second step they will undertake is to interview all the parties involved and make a comprehensive report with all the witness statements. This step is vital in the car accident claim to determine who the responsible party is for the losses occurred. After the liability is fixed and if it is found that the insurer is responsible, the claims adjuster will evaluate the damages to the property or the extent of bodily injury if any. The following issues must be kept in mind.

Image result for car accident claims"

* The insurance company is responsible only to the extent of the covered loss. Any damage(s) outside the purview of the accident or not related to the accident will not be covered.

* All medical information is gathered, combined, and cohesively analyzed. This will include medical bills, lost earnings, prognosis, and projected future earnings. This part of the investigation is essential to establish the amount that need to be paid while settling a car accident claim.

If you, as one of the parties, are confident of handling the claims on your own without bringing in another party, you have the benefit of not incurring additional expenses in the form of litigation fees. It is important for you as a third party claimant to do all homework by gathering all information and coming up with a fair and just settlement you are willing to accept with the claims adjuster.

Playing it Safe

The best way to avoid a lengthy legal procedure in a car accident claim is to stay away from a loss in the first place. This may not always be possible when other drivers are involved. As mentioned earlier, all drivers feel they are the best and can do no wrong. Yet, looking after your own interests by obeying the law of the land will definitely lessen any damage in a car accident claim.