Free Will Project

Personal Injury Lawyer

Category: Insurance

Why Get an Attorney for a Car Wreck?

The number of accidents involving vehicles is on the rise in most cities. This is partly due to the increase in the number of vehicles on the road and partly due to the negligence of drivers and even pedestrians.

There are many cases of pedestrians crossing the streets when the green lights are on, For example. This can prove disastrous for them, especially if the vehicles on the street are moving at high speeds. Driving under the influence of alcohol or talking on a mobile phone while driving are other causes for roadway accidents.

Do You Need a Lawyer?

Can you imagine the problems you will face in the event that your car collides with another vehicle? You might well have to foot the bill to get your vehicle repaired unless you can prove in court that the other party was responsible for the damage caused and that it is his or her duty to compensate you for the damages caused. Learn more about bad faith insurance claim.

However, you will not be able to prove your case in a court of law unless you are thoroughly conversant with the laws pertaining to car accidents in your state.

Why Get an Attorney for a Car Wreck?

Take Immediate Action

Do not waste time once the collision has taken place. Get in touch with a car accident lawyer in Miami or wherever you are and explain the situation by providing him or her with details of the case.

You might be surprised to learn that experienced lawyers are often able to make the other party understand the consequences he or she will face upon filing of the lawsuit. It’s not at all uncommon for the other party to agree to pay you a lump sum rather than going to court. Remember, time is of the essence: The faster the lawyer reaches the accident scene the better.

What Will the Lawyer Do?

The lawyer will seek individuals who witnessed the event, speak with them, and confirm whether the collision occurred due to the other person’s fault. He or she will note down these details and take photographs of the accident scene, as well. If you were seriously injured by the accident, your attorney will also arrange to take you to the hospital for treatment. Click here to learn about long-term Disability Insurance.

Points to Ponder

Never make the mistake of opting for a general law firm, as they might not have the knowledge or experience required to fight such cases. Remember, you should always choose an attorney focused solely on personal injury law who has years of experience helping clients who have been involved in car accidents.

You can also contact legal firms who have such specialists on their team. In case you are responsible for the accident, the specialist will use his or her knowledge to protect you so that other party’s lawyer cannot take undue advantage of the situation.

References

https://en.wikipedia.org/wiki/Association_of_Personal_Injury_Lawyers

https://en.wikipedia.org/wiki/Accident_management

What Is a Bad Faith Insurance Claim?

You’ve been involved in an accident or had your property damaged. You make a claim with the insurance company. An adjuster comes out and assesses the damage, then your claim is denied. If the claim should have been covered under the contractual agreement you have with the insurance company, this is known as a bad faith insurance claim. You can read more about bad faith claims at https://en.wikipedia.org/wiki/Insurance_bad_faith.

It’s considered a bad faith claim because the insurance company has no intention of fulfilling its obligation to pay the damages and because the policyholder is left to cover the entire cost. If you believe that the adjuster has acted improperly, there are steps you should take to handle the situation. It’s never a good idea to make threats or harass the adjuster.

Some signs of a bad faith insurance claim include a failure of the insurance company to acknowledge the claim and investigate, a failure of the insurer to reply in a timely manner, the insurer paying the claim at a much lower amount than would be considered normal under the circumstances, and failure to process a claim by not conducting a proper investigation. There are many other situations that constitute a bad faith claim. They all involve the way a claim from the insured party is handled or the length of time it takes to handle the claim. Click here to learn about long-term disability insurance.

There are several steps you can take to address the situation when an insurance company unfairly denies your claim. The first is to write a bad faith claim letter to the insurance company. You will need to provide complete details of the damage, such as how it occurred and why you think the adjuster acted inappropriately. You can also start by speaking with a supervisor or manager, explaining the situation and why you think your claim should be processed or handled differently.

Often, when an adjuster fails to process the claim properly, it is due to lack of experience or not understanding the proper basis for claim denial. So, it is always a good idea to speak with someone of higher authority in the insurance company. Sometimes simply talking to a person of authority can get the desired results, especially if the claim is legitimate and the insured has a right to file the claim.

Insurance Claim

A bad faith claim can occur in nearly any situation in which a claim is filed. It can occur as the result of an auto accident. It can also occur as the result of personal injury. It can occur because of fire damage. It is called bad faith because a legitimate claim must be handled within certain guidelines. Refusing to pay or settling for a much lower amount is a sign that the insurance company representative may be acting in bad faith. It may also be considered bad faith, if the insurance company fails to provide an adequate explanation as to why the claim is being denied. Learn more about most important decision that you make when you are faced with a difficult legal matter.

When contacting the insurance company to explain the situation, it is also a good idea to make note of the adjuster’s behaviors and actions. The adjuster should be able to provide written documentation as to why the claim is being denied or handled with less than desirable results. The adjuster may not be wrong. However, he or she should be able to provide a good reason for the decision.

By keeping good notes and documenting any contact with the insurance company, you are making it easier should a lawyer who specializes in bad faith insurance claims become involved later. Any letter you send should be copied and kept in a file, along with any responses from the insurance company.

The time to hire a lawyer is when the insurance company continues to deny your claim or ignores your request to further investigate the situation. An experienced lawyer knows how to navigate the claims process and can often get more accomplished. When a lawyer gets involved, it sends a strong message to the insurance company that you’re not satisfied and want the situation resolved.

Another option for following up with a claim denial or low payment is to file a complaint with the state insurance board where the insurance company operates. In some instances, the insurance board can fine the company for failing to process the claim adequately. A lawyer may still be needed to handle the claim and represent you in a bad faith insurance claim suit.

Hiring a lawyer in the event of a bad faith claim is always a good idea. A lawyer knows how to navigate the system. An experienced law firm such as the attorneys can file a bad faith claim lawsuit and provide further guidance on how to proceed. If you think you’ve been cheated by an insurance company, you need to take action right away and take the proper steps to handle the bad faith insurance claim.

What’s Covered by Long-Term Disability Insurance?

It’s devastating when (because of an accident, injury or illness) an employee loses his or her capacity to earn a living. Not only does it affect one’s livelihood, but it also places a person in the unfortunate condition of dependency. When before you would wake up in the morning for work in order to put food on the table, now you’ll have to sit at home and wait for the food to be brought to you. Disability can leave you bed- or home-ridden and unable to live without a degree of assistance. Such a lifestyle change can be difficult without financial backing.

Basically, long-term disability insurance (LTD) is an insurance policy that shields an employee from loss of income in the case where he or she cannot work for a long period of time because of an illness or injury. It is a safety net that is meant to protect employees from the uncertainties of everyday life. Despite popular belief, long-term disability insurance does not cover occupational accidents and injuries, as that is the province of workers compensation insurance. And whilst some people argue that it’s not as important as life insurance, the fact remains, for every employee, there’s a one in five probability of becoming disabled.

Originally offered by employers seeking to advance comprehensive employment benefits to long-serving employees, disability insurance has been greatly transformed by insurance companies that are now offering disability insurance as a standalone package. Taking on various forms, insurance of this kind is therefore additional in nature, covering other employment uncertainties such as unemployment insurance. However, here’s the thing about getting additional individual insurance: It’s expensive. So unless your employer doesn’t have disability insurance as an employment benefit, it’s not worth having additional insurance as long as that offered by your employer is still decent. Click here to get more information about situations, you may consider hiring a lawyer.

What’s Covered by Long-Term Disability Insurance?

It All Differs

At the same time, your disability may be of such a serious nature that employment benefits may not be sufficient to help you meet your daily physical and financial needs. Judging by the nature of your job and the associated daily risks, you should know first hand whether you might need it at some point. In such a case, it wouldn’t be a bad idea to have additional disability insurance.

And if your claim gets denied, an experienced disability lawyer in Los Angeles can help you appeal the denial. Learn more when do you need a lawyer?

How Different Is Long-Term from Short-term Disability Insurance

It’s really about the duration of the disability rather than anything else. Whilst long-term disability insurance covers the insured for the rest of his or her productive years (i.e., had the person been actively working), short-term disability insurance applies to temporary disability. In the latter case, employees are still paid a portion of their salary, albeit for a short period of time, which is usually five years at most.

Overall, LTD is of great help. Considering that you’re being insured for injuries and illnesses unrelated to the work environment and still being paid a portion of your salary, how can you complain? For employees who have it as an employment benefit, you can safely say it’s definitely helpful. And if that’s insufficient, there’s the option of getting additional coverage from a regular insurer.

References

https://en.wikipedia.org/wiki/Disability_insurance

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