Automobile Insurance Laws
For detailed information on automobile insurance policy options click the links below.
If you do not find the answer your searching for please contact us and we will be more than happy to assist you with any and all concerns you may have.
There are many options to pick and choose when selecting your car insurance policy. Typically, the more coverage you choose for your insurance policy, they more money your insurance payment will be. Insurance companies use this fact to make less coverage seem more attractive. They do this because in the event you do seek compensation from them they will end up paying less money.
Your insurance premiums cannot be increased if the insurance company has to pay money for your medical bills, wage loss, or any other reason related to payment they have to make. The only way an insurance company can increase your insurance rates is based on “risk.” That is, if the accident is more than 50% your fault then you are more at “risk” and only then may the insurance company increase your or your loved one’s insurance premium.
Just recently we had a person contact us. The daughter's injuries were severe. She had scaring on her face and other serious injuries. The Mother had said that the insurance company had offered her $50,000 to settle her case. According to the insurance company this was the maximum amount that she could recover. She was hesitant to hire us knowing that we would take a percentage of the proceeds she would obtain.
After speaking to her she decided that it would be in her child’s best interest to hire us to make sure that her interests were protected. We took the case and found out that the insurance company could not produce the documents showing that they only had $50,000 worth of insurance. Since the insurance company could not produce the documents the family had a maximum $900,000 insurance as opposed to $50,000. We settled the case for the $900,000; a significant amount of money more than the insurance company said they had on their policy. The moral of the story is that you should always contact an attorney before you settle a case to make sure that your interests are being served.
A car accident is traumatizing enough, fighting with your insurance company or stressing over how you’re going to pay your bills shouldn’t be your focus; your focus should be on recovering and putting your life back together.
It is of the utmost importance that you hire an attorney to handle your car accident claim; it has been proven that personal injury victims obtain far more money once they hire an attorney.
Never agree to a quick settlement. The job of an insurance adjuster is to pay you the least amount of money possible to settle your claim. There are many exceptions and technicalities to battling the Insurance Companies that if you are not aware of could cost you hundreds of thousands of dollars. Our car accident lawyers are experts when it comes to dealing with insurance companies and will fight aggressively on your behalf to get you or your loved one the compensation you deserve. Please, call us now either locally or toll free: 1-866-427-4652.
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