Many drivers depend on good faith and may not be prepared to be forced to sue their vehicle insurance company in order to receive payment for expenses resulting from a car accident. Typically, most only want to have their car repaired along with their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law cope with many vehicle insurance companies on a regular basis that take advantage of their clients by cutting off their benefits without reason or notice. Some insurance providers also put people “under investigation”- the excuse for stopping payment of all medical bills and wage loss. Individuals are being ignored, threatened, intimidated and also lied to by their insurance claims adjusters.
The following are common tactics utilized by compare auto insurance quotes now to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.
Many restrictions and limitations are buried in your policy’s small print. Learning how to read and be aware of the small print of vehicle insurance policies is not a simple task. Automobile accident lawyers have seen quite a few people miss out on important benefits since they were not aware of important filing requirements buried in their policies. For instance, many car insurance policies pose strict notification requirements, including 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 can change their policy filing requirements whenever you want. When motor vehicle accident victims do not reply to notification requirements on time, they can lose their coverage.
How to protect yourself: Notify your insurance provider immediately after any kind of accident. Be sure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This could also include 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 important to check on insurance plans for any benefits that overlap with your own health and disability insurance; as well as review any additional coverage (including uninsured and underinsured motorist coverage). When receiving ongoing medical care for motor vehicle accident injuries, using a solid comprehension of insurance coverage will help ensure that medical service providers bill appropriately.
If you are confused with your car insurance policy and have questions, don’t hesitate to contact an attorney who concentrates on auto accidents – the majority are happy to offer advice and guidance for your protection.
Insurance agents don’t always recommend the very best coverage. After a car accident, there might be numerous issues and challenges navigating medical health 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 choose to carry more insurance policy coverage so they will not be personally liable should they result in a serious motor vehicle accident. However, some individuals pay only the minimum insurance premium to renew their license plate annually, then let the auto insurance lapse. Without an uninsured/underinsured motorist policy, a driver or members of the family severely injured by an uninsured motorist will have no supply of legal recovery for their injuries other than filing a lawsuit from the uninsured driver for his or her personal assets. Most people do not have sufficient personal value to compensate someone who they may have seriously injured.
How you can protect yourself: Should you be injured in a vehicle accident, contact an experienced auto accident lawyer who is best capable of provide assistance with issues in which insurance policies are primary, and that will pay medical expenses which are incurred following a crash.
Should you carry ERISA medical insurance, uncoordinated or primary coverage is definitely the safe move. An insured person with both ERISA and coordinated insurance could end up recovering nothing for his or her pain and suffering in the event of a car accident. Look at your insurance policy for uninsured/underinsured motorist coverage of at the very least $100,000 per person and $300,000 per accident. If this sort of coverage is missing, call your insurance carrier to incorporate it – the price is minimal and highly recommended to protect you and your family.
Raising your deductibles to at least $500 or even more could also lower your car insurance premiums by 15 percent 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 the car. Finally, if you have any decline in the amount of miles you drive annually, call your insurance company for quotes on low mileage discounts.