Many drivers depend on good faith and may not expect to be forced to sue their car insurance company in order to receive payment for expenses resulting from a car accident. Typically, most just want to have their car repaired along with their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many vehicle insurance companies every day that take advantage of their clients by cutting off their benefits without reason or notice. Some insurance companies also put people “under investigation”- the excuse for stopping payment of all the medical bills and wage loss. People are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.
Listed here are common tactics used by compare auto insurance quotes now either to avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.
Many restrictions and limitations are buried inside your policy’s small print. Learning how to read and understand the fine print of vehicle insurance policies is not always easy. Automobile accident lawyers have experienced far too many people miss out on important benefits since they were unaware of important filing requirements buried in their policies. As an example, many vehicle insurance policies pose strict notification requirements, such as 30 days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance carriers can change their policy filing requirements at any time. When car accident victims usually do not react to notification requirements promptly, they are able to lose their coverage.
How you can protect yourself: Notify your insurance provider soon after any kind of accident. Make sure to have your complete vehicle insurance policy, including any notification of coverage changes from year to year. This could also have pamphlets or notes which can be mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.
It’s also important to examine insurance plans for any benefits that overlap with your personal health insurance and disability insurance; as well as review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, possessing a solid understanding of insurance plans can help make sure that health care providers bill appropriately.
In case you are wrongly identified as your vehicle insurance policy and have questions, don’t hesitate to make contact with a lawyer who focuses on auto accidents – nearly all are very happy to offer advice and guidance for your protection.
Insurance agents don’t always recommend the very best coverage. Following a vehicle accident, there might be numerous issues and challenges navigating medical insurance plans, managed care plans, retirement plans including ERISA, and coordinated/uncoordinated policies. Furthermore, insurance agents may avoid mentioning important coverage options and applicable discounts because of rkgtik losses or lower premiums that reduce their commissions.
Lots of people elect to carry more insurance policy so that they is definitely not personally liable when they produce a serious vehicle accident. However, many people only pay the minimum insurance premium to renew their license plate annually, and after that allow the car insurance lapse. With no uninsured/underinsured motorist policy, a driver or members of the family severely injured by an uninsured motorist may have no source of legal recovery for injuries other than filing a lawsuit against the uninsured driver for his or her personal assets. Many people do not possess sufficient personal value to compensate a person that they have seriously injured.
How to protect yourself: If you are injured in a vehicle accident, make contact with an experienced automobile accident lawyer who may be best qualified to provide help with issues which insurance is primary, and who can pay medical expenses which are incurred after a crash.
In the event you carry ERISA medical health insurance, uncoordinated or primary coverage will be the safe move. An insured person with both ERISA and coordinated insurance could end up recovering nothing for their pain and suffering in case of a vehicle accident. Check your insurance coverage for uninsured/underinsured motorist coverage of at the very least $100,000 per person and $300,000 per accident. If this kind of coverage is missing, contact your insurance carrier to add it – the price is minimal and strongly recommended to safeguard yourself and your family.
Raising your deductibles to a minimum of $500 or maybe more may also reduce your vehicle insurance premiums by 15 % to 40 percent. Consider dropping collision or comprehensive coverage on older cars. Should your car may be worth lower than 10 times the premium, eliminating those coverages will save you money, except if you still owe money for the car. Finally, when there is any reduction in the quantity of miles you drive annually, call your insurance company for quotes on low mileage discounts.