Many drivers rely on good faith and may not anticipate to be forced to sue their auto insurance company in order to receive payment for expenses resulting from a car accident. Typically, most just want to have their car repaired as well as their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many car insurance companies on a daily basis that make the most of their customers 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 even lied to by their insurance claims adjusters.
The following are common tactics used by auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on the best way to protect yourself to avoid or minimize problems with your automobile insurer.
Many restrictions and limitations are buried in your policy’s fine print. Knowing how to read and be aware of the small print of vehicle insurance policies is not always easy. Auto accident lawyers have experienced quite a few people lose out on important benefits simply because they were unaware of important filing requirements buried within their policies. As an example, many car 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 anytime. When car accident victims usually do not react to notification requirements promptly, they could lose their coverage.
The best way to protect yourself: Notify your insurance carrier soon after any type of accident. Ensure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This can 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 important to examine insurance plans for any benefits that overlap with your own health and disability insurance; and also to review any other coverage (like uninsured and underinsured motorist coverage). When receiving ongoing medical care for vehicle accident injuries, having a solid comprehension of insurance policies will help ensure that health care providers bill appropriately.
Should you be mistaken for your vehicle insurance policy and have questions, don’t hesitate to contact a legal representative who concentrates on auto accidents – most are happy to offer advice and guidance to your protection.
Insurance agents don’t always recommend the best coverage. After a motor vehicle accident, there may 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 because of rkgtik losses or lower premiums that reduce their commissions.
Many individuals decide to carry more insurance coverage so that they will not be personally liable if they cause a serious car accident. However, some people only pay the minimum insurance premium to renew their license plate annually, and then enable the car insurance lapse. Without having uninsured/underinsured motorist policy, a driver or members of the family severely injured by an uninsured motorist could have no way to obtain legal recovery for his or her injuries besides filing a lawsuit against the uninsured driver for their personal assets. Many people do not have sufficient personal value to compensate someone who they have seriously injured.
How you can protect yourself: If you are injured in a car accident, contact an experienced automobile accident lawyer who is best capable to provide assistance with issues which insurance is primary, and that will pay medical expenses which are incurred following a crash.
In the event you carry ERISA medical health insurance, uncoordinated or primary coverage is the safe move. An insured person with both ERISA and coordinated insurance may end up recovering nothing for his or her suffering and pain in the case of a vehicle accident. Check 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, call your insurance company to incorporate it – the price is minimal and strongly recommended to guard you and your family.
Raising your deductibles to a minimum of $500 or maybe more may also lower your vehicle insurance premiums by 15 percent to forty percent. Consider dropping collision and/or comprehensive coverage on older cars. If your car may be worth under ten times the premium, eliminating those coverages will save you money, unless you still owe money for that car. Finally, when there is any decline in the quantity of miles you drive annually, speak to your insurance carrier for quotes on low mileage discounts.