Many drivers rely 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 handle many car insurance companies on a daily basis that take advantage of their customers by cutting off their benefits without reason or notice. Some insurance firms also put people “under investigation”- the excuse for stopping payment of medical bills and wage loss. Individuals are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.
Listed here are common tactics utilized by compare auto insurance companies either to avoid or minimize their payouts to customers. Suggestions are included on how you can protect you to ultimately avoid or minimize difficulties with your automobile insurer.
Many restrictions and limitations are buried in your policy’s small print. Learning how to read and be aware of the fine print of auto insurance policies is not really an easy task. Auto accident lawyers have witnessed too many people miss out on important benefits because they were unaware of important filing requirements buried in their policies. For example, many auto insurance policies pose strict notification requirements, like thirty days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance companies can change their policy filing requirements whenever you want. When car accident victims do not react to notification requirements promptly, they can lose their coverage.
How you can protect yourself: Notify your insurance provider soon after any sort of accident. Be sure you have your complete car insurance policy, including any notification of coverage changes from year to year. This can also have pamphlets or notes which are 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 check on insurance plans for any benefits that overlap with your own health and disability insurance; and to review any extra coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical treatment for vehicle accident injuries, using a solid comprehension of insurance policies can help ensure that health care providers bill appropriately.
If you are mistaken for your car insurance policy and possess questions, don’t hesitate get in touch with a lawyer who specializes in auto accidents – most are very happy to offer advice and guidance for your protection.
Insurance agents don’t always recommend the very best coverage. Using a car accident, there can be numerous issues and challenges navigating health insurance plans, managed care plans, retirement plans like 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.
Many individuals elect to carry more insurance policy so that they will not be personally liable if they cause a serious vehicle accident. However, many people only pay the minimum insurance premium to renew their license plate annually, then allow the auto insurance lapse. With no uninsured/underinsured motorist policy, a driver or loved ones severely injured by an uninsured motorist will have no way to obtain legal recovery for injuries apart from filing a lawsuit against the uninsured driver for their personal assets. Many people do not possess sufficient personal value to make up someone who they have got seriously injured.
How to protect yourself: In case you are injured in a vehicle accident, contact an experienced auto accident lawyer who is best capable of provide help with issues of which insurance policies are primary, and who can pay medical expenses which can be incurred after a crash.
In the event you carry ERISA medical health insurance, uncoordinated or primary coverage is definitely the safe move. An insured person with both ERISA and coordinated insurance might end up recovering nothing for their pain and suffering in case of an auto accident. Check your insurance policy for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this sort of coverage is missing, call your insurance company to include it – the cost is minimal and strongly recommended to safeguard your family.
Raising your deductibles to at the very least $500 or more could also reduce your auto insurance premiums by 15 percent to 40 percent. Consider dropping collision and/or comprehensive coverage on older cars. If your car will be worth less than 10 times the premium, eliminating those coverages can save you money, unless you still owe money for your car. Finally, when there is any reduction in the volume of miles you drive annually, call your insurance carrier for quotes on low mileage discounts.