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 a car accident. Typically, most just want to have their car repaired as well as their medical bills paid.
Unfortunately, the car insurance attorneys of Michigan Auto Law handle many auto insurance companies every day that make the most of 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 the medical bills and wage loss. Individuals are being ignored, threatened, intimidated as well as lied to by their insurance claims adjusters.
Listed here are common tactics used by compare auto insurance rates to either avoid or minimize their payouts to customers. Suggestions are included on the best way to protect you to ultimately avoid or minimize difficulties with your automobile insurer.
Many restrictions and limitations are buried inside your policy’s small print. Learning how to read through and be aware of the small print of auto insurance policies is not an easy task. Auto accident lawyers have seen quite a few people lose out on important benefits simply because they were not aware of important filing requirements buried inside their policies. For example, many auto insurance policies pose strict notification requirements, including 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 usually do not respond to notification requirements punctually, they can lose their coverage.
The best way to protect yourself: Notify your insurance provider soon after any kind of accident. Be sure you have your complete vehicle insurance policy, including any notification of coverage changes from year to year. This may 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 examine insurance plans for just about any benefits that overlap with your own health insurance and disability insurance; as well as review any other coverage (including uninsured and underinsured motorist coverage). When receiving ongoing health care for car accident injuries, possessing a solid knowledge of insurance policies may help make sure that medical service providers bill appropriately.
In case you are confused with your auto insurance policy and also have questions, don’t hesitate to contact a lawyer who concentrates on auto accidents – most are very happy to offer advice and guidance for your protection.
Insurance agents don’t always recommend the most effective coverage. After a vehicle accident, there can be numerous issues and challenges navigating medical 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.
Many people choose to carry more insurance policy coverage therefore they will not be personally liable when they cause a serious car accident. However, some people only pay the minimum insurance premium to renew their license plate each year, then let the car insurance lapse. Without an uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist will have no supply of legal recovery for his or her injuries besides filing a lawsuit from the uninsured driver for his or her personal assets. Most people do not possess sufficient personal value to make up someone who they may have seriously injured.
The best way to protect yourself: In case you are injured in a vehicle accident, make contact with an experienced automobile accident lawyer who is best capable to provide guidance on issues in which insurance policies are primary, and who will pay medical expenses that are incurred after a crash.
If you carry ERISA 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 their pain and suffering in the case of a car accident. Examine your insurance coverage for uninsured/underinsured motorist coverage of a minimum of $100,000 per person and $300,000 per accident. If this sort of coverage is missing, speak to your insurance carrier to incorporate it – the fee is minimal and recommended to guard your family.
Raising your deductibles to a minimum of $500 or even more may also reduce your car insurance premiums by 15 percent to forty percent. Consider dropping collision or comprehensive coverage on older cars. If your car will be worth under 10 times the premium, eliminating those coverages can save you money, except if you still owe money for your car. Finally, if there is any decline in the volume of miles you drive annually, contact your insurance company for quotes on low mileage discounts.