Many drivers depend on good faith and may not expect to be forced to sue their auto insurance company in order to receive payment for expenses caused by an automobile accident. Typically, most simply want to have their car repaired and their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many auto insurance companies on a daily basis that take advantage of their clients by cutting off their benefits without reason or notice. Some insurance firms 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 also lied to by their insurance claims adjusters.
Listed here are common tactics employed by compare auto insurance rates to either avoid or minimize their payouts to customers. Suggestions are included on ways to protect yourself to avoid or minimize problems with your automobile insurer.
Many restrictions and limitations are buried within your policy’s small print. Knowing how to see and understand the fine print of auto insurance policies is not always easy. Auto accident lawyers have experienced quite a few people miss out on important benefits simply because they were unacquainted with important filing requirements buried in their policies. For instance, 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 at any time. When vehicle accident victims do not reply to notification requirements promptly, they can lose their coverage.
The best way to protect yourself: Notify your insurance carrier immediately after any type of accident. Make sure to have your complete car insurance policy, including any notification of coverage changes from year to year. This may 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 equally important to check insurance coverage for any benefits that overlap with your personal health and disability insurance; and to review any other coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, having a solid knowledge of insurance coverage can help make certain that health care providers bill appropriately.
Should you be wrongly identified as your vehicle insurance policy and also have questions, don’t hesitate to make contact with an attorney who specializes in auto accidents – most are very happy to offer advice and guidance for the protection.
Insurance agents don’t always recommend the very best coverage. After a motor vehicle accident, there can be numerous issues and challenges navigating medical insurance plans, managed care plans, retirement plans like ERISA, and coordinated/uncoordinated policies. In addition, insurance agents may avoid mentioning important coverage options and applicable discounts as a result of rkgtik losses or lower premiums that reduce their commissions.
Many individuals decide to carry more insurance policy coverage therefore they will never be personally liable if they cause a serious vehicle accident. However, many people just pay the minimum insurance premium to renew their license plate annually, and after that enable the vehicle insurance lapse. Without an uninsured/underinsured motorist policy, a driver or loved ones severely injured by an uninsured motorist will have no source of legal recovery for his or her injuries apart from filing a lawsuit against the uninsured driver for his or her personal assets. Most people do not possess sufficient personal value to make up a person that they may have seriously injured.
The best way to protect yourself: If you are injured in an auto accident, make contact with an experienced automobile accident lawyer who is best capable to provide guidance on issues which insurance policies are primary, and that will pay medical expenses that are incurred after having a crash.
Should you carry ERISA medical insurance, uncoordinated or primary coverage will be 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 car accident. Check your insurance policy for uninsured/underinsured motorist coverage of at the very least $100,000 per person and $300,000 per accident. If this type of coverage is missing, call your insurance company to include it – the fee is minimal and recommended to protect yourself and your family.
Raising your deductibles to at least $500 or even more could also reduce your car insurance premiums by 15 percent to forty percent. Consider dropping collision and comprehensive coverage on older cars. If your car may be worth less than 10 times the premium, eliminating those coverages can help you save money, until you still owe money for that 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.