A car accident insurance policy is a must-buy for every driver. It covers you and your passengers in the event that you get involved in a road crash. Getting into a car that does not have this type of insurance or even driving one yourself is a big risk.
Many times after an accident, there will be not just car repairs to sort but also medical expenses for bodily injuries. These can run into thousands of dollars which would be difficult to pay in cash. A car accident insurance policy takes care of such expenses, thus eliminating the financial burden an accident brings.
The rates and coverage given to a motorist differ from one insurance company to another. A number of factors influence this, from the car model to the motorist’s perceived risk.
Most of these factors are unique to each driver and insurance companies evaluate them differently, which explains the unique rates each driver gets from one company to another. For instance, drivers who have a tendency of getting into accidents generally get higher rates but the figure varies from company to company.
Should you get involved in an accident and the police are brought in, the effect on your rates will be more severe. If the accident is minor and both parties agree on a settlement, you can negotiate and pay the agreed amount. Such an incident may not require any police involvement, especially if the car suffers a few scratches or dents and no one is injured. In any case, it is very important that you inform the insurance company immediately, even before agreeing on any settlement.
Your insurer may increase your car accident rates if you are found to be at fault in an accident, the extent of the fault, how serious the accident is if you earn a ticket for a traffic violation, and the type of claim filed after the accident. If you have filed a claim following a car accident in the recent past, you will be given higher rates indefinitely. Many companies focus on the past 12 months. If your claim was made earlier than that, it may not affect your rates. However, if you have filed at least two or three claims in a span of five years or so, companies will be wary of dealing with you and when they do, they will give you much higher quotes.
To always be on the safe side, understand the company’s terms and conditions, and maintain all traffic rules.
By far the most crucial concern that needs to be attended to, if you are involved in an auto accident is most often to see to any personal injuries that will have resulted. The next most important task is to speak to your insurance company representative. So let’s say you get hold of your agent to inform him you have been involved in a car accident, and he seems very helpful. He even suggests a body shop you could take your vehicle to and might refer to it as being a “preferred” repair shop.
“Terrific” you may think. That saves you the hassle of needing to find a body shop yourself. After all, you want to get your car repaired at the earliest opportunity. However, suppose you are already aware of a high-quality repair shop that does body repair and would prefer to take your vehicle there.
So you notify your insurance representative you wish to take your car to another body shop. But he responds with something similar to “We won’t warranty the repair in the event you go there” or “You’ll need to spend a lot more if you go to the shop that you picked” or some other statement intended to discourage you from going to your shop and encourage (or possibly attempt to coerce) you to go to the company’s “preferred” shop.
So what to make of all this? You might be wanting to know why he is wanting to discourage you from opting for your own shop?
To respond to this question, you need to know what the final goal of an insurer is: The answer has nothing to do with providing you the convenience of not having to find a good repair shop … the final target is to generate profits and as much money as possible! And that is accomplished by minimizing the amount they must pay back in insurance claims.
So the collision shop your agent suggests is “preferred” … preferred by the insurance carrier for THEIR advantage, not yours. Why is that? Because the recommended repairer is under contract to utilize components that are less costly than the original parts that were in the car when it was new. But regrettably, most of these parts are substandard in quality and could even result in a dangerous repair job! This can even mean that your car will be unsafe to drive after the fixes are concluded.
There are more reasons why choosing the wrong repair service can lead to dangerous fixes. There’s a method referred to as “Clipping”, and that means cutting off a complete half of your car (either the front or rear half) and affixing another (undamaged) half of a vehicle that has been wrecked.
This process actually entails cutting through the vehicle’s unibody or frame, and it affects its structural integrity. Does this sound risky to you? That’s because it IS unsafe! But sadly, it isn’t against the law! It’s a widespread incident.
So the bottom line is – if you were to be in a traffic accident – look out! Find out if the shop makes use of OEM (original equipment manufacturer) components or lesser quality “aftermarket” parts. And if the shop performs “clipping” … don’t even consider using them!
Next, learn the secrets the insurance industry doesn’t want you to know. An auto accident may be only the beginning of your troubles!
Boat Accident Lawyer
Boat accidents are a leading cause of unnecessary deaths and therefore the number one source of personal injury. Many of the accidents occurred due to negligence on the part of one of the drivers involved. When a boat accident is caused by another party’s negligence, people who are harmed often reach settlements with the liable party which provides compensation for medical expenses, pain and suffering as well as other damages. This requires the service of a boat accident attorney. Locating the best boat accident attorney is not that difficult a process under normal circumstances. However, finding one when you or a loved one have been seriously injured in a boat accident can be significantly more troublesome. There are qualified Personal Injury Attorneys that specialize in personal injury cases. They have the expertise and skills necessary to obtain a fair financial compensation for the damage to property caused by the accident, along with all physical injuries that the accident victims have had to endure.
Any driver that was not at fault for an accident should expect to be fully compensated, for all of his or her medical bills. In addition to that, the victimized driver should receive recompense for all the repairs necessary to bring their damaged boat back to the condition it was in before the accident.
However, the process of doing that can be extremely lengthy, with moments of frustration and anxiety, especially when an insurance company refuses to pay medical bills or send the funds to have the Boat repaired. This is why it is necessary to hire a competent Boat Accident Lawyer. He or she will represent their clients to achieve the compensation that every victim of the accident is entitled to
Settling the Case
A boat accident attorney will build the case strong enough to take it to trial in a court of law. However, long before the trial is scheduled, each represented party (the attorneys) usually will meet with the opposing side to discuss settling the case out of court. Both sides typically calculate the amount of pain and suffering that has been endured by the victim along with the seriousness of the damage inflicted on the vehicle or other property.
If a settlement can be reached, then both sides will avoid an expensive and lengthy process of trying the case in open court. However, if the plaintiff is dissatisfied with the amount offered during the settlement, he or she can always instruct the boat accident attorney to take the case to trial.
Before selecting the best boat Accident Attorney, it is important to consider the fee that will be extracted from the total amount awarded during the settlement phase, or after the case has been won in court. Typically, for a personal injury case, an attorney can charge anywhere between 25% and 40%, based on the specific circumstances of the case. While this number might appear to be high, research indicates that cases involving an attorney typically have much higher settlement amounts than those that are achieved without the skills of an attorney, or a law firm.
Any driver that has been in an accident where the other driver is at fault or he is at fault should seek out a competent and skilled boat accident attorney. They will handle all the details to represent him or her in the case.
Plane Accident Lawyer
Do you need a plane accident lawyer? If your answer is yes, there is no doubt that you understand how an accident can affect you. Perhaps, what is more, daunting is your quest of finding the right plane accident attorney. That is where a plane accident lawyer comes to your aid.
At our Law Firm, we not only offer you that required legal representation but also stick with you until you achieve all that you desire from insurance adjusters. During this challenging moment in your life, our plane accident attorney will give you practical advice that will be of help in the future in case you plunge into such a nasty scenario. Why, though, choose our plane accident lawyers?
The Law Firm You Can Trust
Our Law Firm has been in operation for over 25 years of offering plane, bike, and train drivers legal representation. You can be assured of their vast experience in these areas.
With many years of practice, our attorneys have canvassed the entire state and beyond. What this translates to, it that our plane accident attorneys know virtually every area your plane may be involved in an accident. This will help you in the quest of explaining to them how it happened.
Our lawyers have had an exemplary legal representation record throughout the years of practice.
How Much Do We Charge?
Do not be worried about the amount it will cost you for our plane accident attorneys to represent you In fact, our mission is that you get what you deserve first! Our commission is solely based on the contingent fee.
What that simply means, is that until you settle on your award, our attorneys will be patiently waiting with you. Upon receiving your award, then our attorneys will deduct their commission for the services they have rendered to you
Why Should You Choose Us
There is no doubt that you will be impressed by our down-to-earth services that are aimed at helping you receive the award that you rightfully deserve. Our plane accident attorney will be willing to listen to you attentively when you explain what you recall about the accident before giving their opinion. Additionally, our promise under oath is to do whatever legal thing that can as long as it is within their reach.
Here are some of the notable reasons why many plane owners decide to contact us. You too will find that we emerge the top in service delivery:
We offer free consultations
We have experienced and dedicated plane accident attorneys
Apart from English, consultations are also done in Spanish (there is a full-time Spanish-speaking staff). We offer hassle-free and private parking to our clients
Our experience is well over 25 years
We work for long hours during weekdays to offer you the best services that you deserve (8:30 AM to 5:00 PM on most weekdays)