Many drivers rely on good faith and may not be prepared to be forced to sue their auto insurance company in order to receive payment for expenses caused by a car accident. Typically, most just want to have their car repaired and their medical bills paid.
Unfortunately, the car 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. People are being ignored, threatened, intimidated and also lied to by their insurance claims adjusters.
Listed below are common tactics used by compare auto insurance quotes now to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect you to ultimately avoid or minimize issues with your automobile insurer.
Many restrictions and limitations are buried in your policy’s fine print. Learning how to see and comprehend the small print of auto insurance policies is not really always easy. Auto accident lawyers have seen too many people lose out on important benefits simply because they were not aware of important filing requirements buried in their policies. For example, many auto insurance policies pose strict notification requirements, including 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 companies may change their policy filing requirements anytime. When vehicle accident victims usually do not react to notification requirements on time, they are able to lose their coverage.
How you can protect yourself: Notify your insurance company right 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 could also have pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.
It’s equally important to examine insurance policies for virtually any benefits that overlap with your personal health and disability insurance; and to review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical treatment for car accident injuries, having a solid knowledge of insurance plans may help make sure that health care providers bill appropriately.
Should you be wrongly identified as your car insurance policy and have questions, don’t hesitate to make contact 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. After a car accident, there may be numerous issues and challenges navigating health 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 due to rkgtik losses or lower premiums that reduce their commissions.
Lots of people choose to carry more insurance policy therefore they will never be personally liable if they cause a serious motor vehicle accident. However, some individuals pay only the minimum insurance premium to renew their license plate every year, and then enable the car insurance lapse. Without having uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist may have no way to obtain legal recovery for his or her injuries besides filing a lawsuit against the uninsured driver for his or her personal assets. Most people do not possess sufficient personal value to compensate somebody who they have seriously injured.
The best way to protect yourself: In case you are injured in an auto accident, contact an experienced automobile accident lawyer who may be best qualified to provide guidance on issues in which insurance is primary, and who can pay medical expenses which are incurred after having a crash.
If you carry ERISA medical 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 his or her suffering and pain in the case of a vehicle accident. Check your insurance coverage for uninsured/underinsured motorist coverage of a minimum of $100,000 per person and $300,000 per accident. If this kind of coverage is missing, speak to your insurance carrier to add it – the fee is minimal and recommended to protect your family.
Raising your deductibles to at least $500 or even more could also decrease your car insurance premiums by 15 % to 40 %. Consider dropping collision or comprehensive coverage on older cars. If your car may be worth lower than ten times the premium, eliminating those coverages can help you save money, until you still owe money for your car. Finally, when there is any reduction in the quantity of miles you drive annually, speak to your insurance company for quotes on low mileage discounts.