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Auto Insurance
Insurance is a system to alleviate financial losses by transferring risk of loss from one entity to another. In some other words, it's a contract in which one party agrees to pay for another party's financial loss resulting from a specified event (for example, a collision, theft, or storm damage). Lease agreements generally require that you maintain vehicle collision and comprehensive insurance as well as liability insurance for bodily injury and property damage.
Most states require you to carry a minimum level of auto insurance. You pay premiums to an insurance company for coverage. In return, your coverage will protect you against most financial losses that might otherwise be your responsibility to pay. Auto insurance is more than a matter of insuring your vehicle for loss or repairs after an accident. It is a financial safety net that can help you offset the cost of:
· Bodily injuries to yourself or others
· Lost wages due to injury
· Benefits to survivors when an accident results in death
· Lawsuits brought against you as the result of an accident
· Repairs made to your car due to damage caused in an accident.
When to Hire a Car Accident Lawyer
Posted by: Tim Keck
November 12, 2009
It is imperative that you consult Arnold & Keck, LLC when:
- There are extenuating circumstances that make your claim more valuable and you don't know how to prove your loss (for example, you're a caregiver and can no longer take care of your husband or sick mother).
- The insurance company has denied your claim, you believe they are incorrect in their denial, and they will not reconsider.
- You are seriously injured with significant medical bills with or without residual disability.
- You are moderately injured with residual disability and will incur future medical bills.
- The injured party is a minor with more than slight injuries.
- Liability is being disputed and you believe you are not responsible or are only partially responsible for the accident.
- It's been almost a year since your accident, you're not close to settling your claim, and you don't know what the statute of limitations is in your state.
- The circumstances surrounding the accident are complex and may require expert investigation.
- The other party to the accident has served you with a lawsuit.
- Liability is not clear or is shared between or among the parties.
- You have no idea how to evaluate your claim.
- The adjuster has asked you to provide medical records from prior to the accident.
- The adjuster has made you an offer and you think your claim is worth a great deal more.
- The adjuster is offering a structured settlement rather than a lump sum payment.
- You are not confident in your ability to negotiate a settlement on your own behalf.
- You have a claim of lost wages that is difficult to prove-for example, you are a consultant, a business owner, a sales person, or otherwise self employed.
The simplest, most clear-cut claims really don't require an attorney's assistance. The simplicity lies in: a) clarity of liability (for example, the other guy was clearly at fault and acknowledges it); and/or b) injuries are minor with low medical bills and other expenses; and/or c) there are no extenuating circumstances requiring investigation, such as previously existing injuries to the same body parts, complicated scenario in the accident, uncertainties about coverage, or questions about the statute of limitations (the legal deadline for filing a lawsuit against the responsible party). You may not know these things right away. That's why many injured claimants start out handling their own claim, only to hire the services of an attorney later on.
