Many drivers depend on good faith and may not be prepared to be forced to sue their vehicle insurance company in order to receive payment for expenses resulting from a vehicle accident. Typically, most only want to have their car repaired as well as their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law cope with many auto insurance companies every day that take advantage of their potential customers by cutting off their benefits without reason or notice. Some insurance firms also put people “under investigation”- the excuse for stopping payment of all medical bills and wage loss. Folks are being ignored, threatened, intimidated and also lied to by their insurance claims adjusters.
The following are common tactics employed by compare auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize difficulties with your automobile insurer.
Many restrictions and limitations are buried inside your policy’s fine print. Understanding how to see and comprehend the fine print of vehicle insurance policies is not really an easy task. Automobile accident lawyers have experienced quite a few people lose out on important benefits because they were unaware of important filing requirements buried within their policies. For instance, many car insurance policies pose strict notification requirements, like 1 month 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 whenever you want. When motor vehicle accident victims do not reply to notification requirements on time, they could lose their coverage.
The best way to protect yourself: Notify your insurance provider immediately after any sort of accident. Make sure to have your complete car insurance policy, including any notification of coverage changes from year to year. This may also include 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 essential to check insurance policies for virtually any benefits that overlap with your personal health insurance and disability insurance; and also to review any other coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing health care for car accident injuries, possessing a solid understanding of insurance policies can help make sure that medical service providers bill appropriately.
In case you are mistaken for your car insurance policy and possess questions, don’t hesitate to contact an attorney who specializes in auto accidents – most are pleased to offer advice and guidance to your protection.
Insurance agents don’t always recommend the most effective coverage. Following a car accident, there may be numerous issues and challenges navigating medical insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies. In addition, insurance agents may avoid mentioning important coverage options and applicable discounts because of rkgtik losses or lower premiums that reduce their commissions.
Many individuals choose to carry more insurance policy coverage so that they will not be personally liable when they produce a serious car accident. However, many people just pay the minimum insurance premium to renew their license plate every year, and after that allow the auto insurance lapse. Without an uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist could have no source of legal recovery for injuries other than filing a lawsuit up against the uninsured driver for his or her personal assets. Most people do not have sufficient personal net worth to compensate a person that they may have seriously injured.
How you can protect yourself: If you are injured in a car accident, contact an experienced auto accident lawyer that is best capable of provide assistance with issues of which insurance coverage is primary, and who can pay medical expenses that are incurred after a crash.
Should you carry ERISA medical health insurance, uncoordinated or primary coverage will be the safe move. An insured person with both ERISA and coordinated insurance may end up recovering nothing for suffering and pain in the case of a car accident. Examine your insurance coverage for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this sort of coverage is missing, contact your insurance company to include it – the cost is minimal and recommended to safeguard your family.
Raising your deductibles to at the very least $500 or even more could also lower your auto insurance premiums by 15 percent to forty percent. Consider dropping collision or comprehensive coverage on older cars. Should your car is worth lower than ten times the premium, eliminating those coverages can save you money, until you still owe money for your car. Finally, if there is any decrease in the quantity of miles you drive annually, contact your insurance carrier for quotes on low mileage discounts.