Many drivers rely on good faith and may not expect to be forced to sue their car insurance company in order to receive payment for expenses caused by an automobile accident. Typically, most simply want to have their car repaired along with their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law cope with many auto insurance companies every day that benefit from their customers by cutting off their benefits without reason or notice. Some insurance companies also put people “under investigation”- the excuse for stopping payment of all medical bills and wage loss. Folks are being ignored, threatened, intimidated as well as lied to by their insurance claims adjusters.
The following 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 problems with your automobile insurer.
Many restrictions and limitations are buried inside your policy’s small print. Understanding how to read and understand the small print of vehicle insurance policies is not really always easy. Automobile accident lawyers have experienced too many people lose out on important benefits because they were not aware of important filing requirements buried inside their policies. As an example, many vehicle 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 carriers may change their policy filing requirements whenever you want. When vehicle accident victims usually do not reply to notification requirements on time, they could lose their coverage.
The best way to protect yourself: Notify your insurance company soon after any sort of accident. Ensure you have your complete auto 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 also essential to examine insurance coverage for just about any benefits that overlap with your own health and disability insurance; as well as review any extra coverage (like uninsured and underinsured motorist coverage). When receiving ongoing health care for motor vehicle accident injuries, using a solid knowledge of insurance coverage may help ensure that medical service providers bill appropriately.
In case you are mistaken for your auto insurance policy and possess questions, don’t hesitate to contact a lawyer who specializes in auto accidents – nearly all are very happy to offer advice and guidance for your protection.
Insurance agents don’t always recommend the most effective 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. Additionally, insurance agents may avoid mentioning important coverage options and applicable discounts because of rkgtik losses or lower premiums that reduce their commissions.
Many people elect to carry more insurance policy therefore they will never be personally liable if they cause a serious car accident. However, some individuals just pay the minimum insurance premium to renew their license plate annually, then allow the car insurance lapse. Without an uninsured/underinsured motorist policy, a driver or members of the family severely injured by an uninsured motorist may have no supply of legal recovery for injuries apart from filing a lawsuit against the uninsured driver for their personal assets. Many people do not have sufficient personal net worth to compensate someone who they may have seriously injured.
How to protect yourself: In case you are injured in an auto accident, contact an experienced auto accident lawyer that is best qualified to provide guidance on issues which insurance is primary, and who will pay medical expenses that are incurred after having a crash.
If you carry ERISA medical health insurance, uncoordinated or primary coverage is the safe move. An insured person with both ERISA and coordinated insurance could end up recovering nothing for suffering and pain in the event of an auto accident. Examine your insurance plan 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 company to include it – the price is minimal and strongly recommended to safeguard your family.
Raising your deductibles to at the very least $500 or even more could also reduce your auto insurance premiums by 15 % to forty percent. Consider dropping collision and comprehensive coverage on older cars. If your car may be worth lower than ten times the premium, eliminating those coverages will save you money, until you still owe money for the car. Finally, if you have any decrease in the volume of miles you drive annually, call your insurance company for quotes on low mileage discounts.