Third Party Claim
Auto Accident? What do you Do?
December 13, 2010 | Author admin
Based totally on the latest report released by the renowned World Health Organization, about three thousand people die in vehicular accidents every day. And we aren’t even talking about one country here ; the alarming figure speaks for worldwide vehicle accident incidence. In the U. S. alone, there were about 6,000,000 vehicular accidents that happened in the year 2005. In fact, according to reports, a mean of 115 individuals die every day due to car crash figures – that is’s roughly around one accident each thirteen minutes.
it is no wonder then that auto accident claims are reasonably popular today, ranking only second hardest to prove in suits behind medical laxity claims. The severity of such vehicle accident, though, will eventually rely not on one but many factors. These may include, but not restricted to, the autos involved, The speed of the vehicles colliding, and the road or terrain in the vehicular accident.
The worst that could happen during these automobile accident injuries is death. A more common damage that’s customarily complained about is the whiplash injury. While whiplash wounds are but a common thing in vehicular accidents, the symptoms show after a very long time. Hence, it is reasonably tough to prove in court for compensation of damages. of course, you could not just pay no attention to the mental effects these traumatic vehicle accidents bring to the victim. Vehicular accidents can provide you with near-death experiences if you are personally involved in the accident or even worse, they may result to endless shock and a robust feeling of emptiness or emotional damage, which the family of the bereaved has to endure. While the physical injuries are serious enough, the mental effect will be the harder to get past through. It takes longer for people to recover from such a devastating loss of a loved one and many are limited to a long terrible state and mourning regularly accompanied by psychological suffering and stress.
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Definition of Bodily Injury – Law – Personal Injury
December 1, 2010 | Author admin
Definition of “bodily injury”
A quick check on the Internet leads to many sites that provide definitions about injuries. However, the only definition that counts after you’ve been in an auto accident is the one listed in your auto insurance policy.
Check your auto insurance policy
Here are a couple of examples of General Definitions taken directly from auto insurance policies:
* Bodily injury means bodily injury to a person, including resultant sickness, disease or death.
* Bodily injury means any bodily injury, sickness, disease or death sustained by any person.
Bodily injury refers to injuries sustained
There you have it. Bodily injury is damage to your body that may show up now or later as injuries, illnesses, diseases, or even death. Bodily injuries are specific to something that happens to you that results in damage. Those injuries can be to the body, mind, or emotions, as opposed to an injury to property.
The most common forms of bodily injury are injuries to the neck and back (commonly called whiplash) or simply bumps and bruises.
Insurance companies may refer to underlying injuries as soft tissue damage. More significant injuries affect the limbs, brain and head, or spinal cord, and can cause a lifetime of damages. Here you will require Vancouver WA Personal Injury Lawyer to fight for justice by providing enough proof.
Reaction at the scene of an accident
At the scene of an accident, the adrenaline kicks in. Your body’s natural reaction is “fight or flight”, and most people are just scared and shook up, not always aware of what could be serious injuries.
So when you suffer bodily injury, protect your rights by the words you use. Instead of saying, “I’m fine,” just say something like, “I’m not sure… it’s all so sudden.” After all, how can you really tell in the rush of that moment?
Damages may not be visible
The thing that most people may not realize until later is that physical damage may not be readily apparent. Even broken bones might not be noticeable. In cases of whiplash, there may be no bruises or scraping, but the ligaments, connective tissues, and muscles may have been stretched and snapped to the point of damage that is not immediately evident. Such injuries may not be identified without an x-ray, MRI, CAT scan, or other diagnostic tools.
So what is personal injury?
The term “personal injury” is often used by victims to find an attorney who specializes in such cases, as our office does. Think of personal injury as an “umbrella” term that covers not only your bodily injuries, but other damages as well.
Educate yourself about your rights in an auto accident
Everyone deserves to find out if they have a claim. It’s better to learn about your rights sooner than later, though. For example, even in a simple conversation with an insurance company, you may say things that later might make it difficult to reach a favorable settlement. That is true whether you are talking with your own insurance company of the one that represents the other driver.
It’s better to consult with our offices immediately after the accident, to protect your rights and make sure you see medical providers who truly care about your injuries and are careful to document their findings.
My next blog will discuss some of the damages other than bodily injury that can affect your claim.
Insurance: 21 Auto Insurance Claims FAQs | ArticleBiz.com
November 29, 2010 | Author admin
Following are 21 auto insurance claims FAQ’s:
1. What is an auto insurance claim? Claim by made a policyholder to his auto insurance company in case of an accident or any other damage to his car.
2. When I can make an auto insurance claim? You can make an auto insurance claim within a specific period of time after you car has been wrecked in an accident or by other genuine means.
3. When will I have to pay for deductibles? You will have to pay for the deductibles if your accident is under the comprehensive or collision coverage.
4. Will the company cover cracks in the windshield? In case the cracks have resulted from colliding with any other object, vandalism, theft, storm, etc: yes.
5. How long will it take to get a respond from the auto insurance of a claim made? That depends on the efficiency of the company and sufficiency of your documentation.
6. What is a third party claim? If the at fault party has liability insurance; your filing a claim with their insurance company is the third party claim.
7. Can I make a claim if drunk? You will not be covered and also be fined for driving under influence.
8. What If I am involved in a fraud scam claim? Report immediately to the police and your auto insurance company.
9. Can I make a claim if a friend was behind my wheels during an accident? The claim settler from the company will decide who will be held responsible.
10. What if someone makes a false claim? Report immediately to the police and the auto insurance company.
11. What do I need in order to make a claim? You need to organize specific documentation to prove the genuineness of your case.
12. How do I realize which coverage supports my claim? You can either receive help from your auto insurance company’s representative or go through your policy in detail to see which coverages protect your claim.
13. Will making claims affect premiums? Claim making will increase premiums.
14. Will making claims cancel my policy? Cancellation of policy usually happens to only high risks drivers and frauds.
15. When is one given SR-22 forms? When a high risk driver consistently violates rules, then he is given them.
16. Does auto insurance pay wholly for claims? In case of comprehensive and collision coverages, deductibles apply.
17. What should I include in my claim statement? Include all the documentation that shows that your case is genuine along with the police report.
18. How can I make my claim stronger? By taking testimonials from those present in the scene and adding snapshots of the accident.
19. What happens if I am caught during a false claim? Your policy will be cancelled and driving rights seized.
20. If my policy is cancelled due to high risk driving, can I make claims through any other auto insurance company? Yes; through acceptance auto insurance.
21. When should I not apply for a claim? If the damage caused to your vehicle is lesser than the deductible. These 21 auto insurance claims questions will help you towards understanding the claim making process.
via Insurance :: 21 Auto Insurance Claims FAQs | ArticleBiz.com.
