How much is your pain worth? Can we argue that your headache is $5? or $10,000? In reality, your pain is not worth more than you are willing to settle for. However, to insurance companies, pain is only worth what a jury would be willing to pay (or less).
The adjuster objective is to determine the [...]
Insurance adjuster makes settlements based on their investigation about the facts. In many cases, adjusters will assess liability against their own insured if they believe their insurance is at fault.
Seldom adjusters will determine that they should settle a claim for 100% liability so they do not trigger “other issues”. For example, paying someone 100% of [...]
Yeah, insurance companies will try to fix your car with use parts. They will call it something different. They will probably call it OEM or After market Parts. They are technically not “used” parts; they are just not manufacture by the original maker of the car. Instead they are manufacture by other factories in other [...]
What is a first party claim? It is simply a claim that you make against your own insurance company. You could make a claim against the person that hit you, that would be a third party claim.
Shortly after you are in a car accident and make a claim, you will see that these concepts will [...]
This quest is often emailed to us. The question reveals the confusion of the public out there. If you try to read the insurance policy you are going to see that it is not very straight forward.
Collision will cover your car subject to a deductible (the portion you have to pay). So if the damages [...]
This is perhaps the most common mistakes out there. You do want to lower your premiums, but you want to make sure you are getting something for what you actually paid. Person Injury protection (PIP)is usually quoted together with the liability coverage. Most states require liability coverage, so insurance companies package them together. Other states [...]
If you do not carry rental coverage on your insurance policy, you can be up for surprises. Say someone hits you. You have done nothing wrong and in no way you can be found at fault. In fact, let’s say that your car was legally parked and unoccupied.
The careless driver just hits your car, breaking [...]
You get in a car accident and your car is not fixed correctly. The paint does not match the rest of the car. What should one person do in that circumstance? You should notify the insurance adjuster as soon as possible.
Insurance companies carry a lot of weight among their “approved” body shops. Think the amount [...]
You were hit and you had no fault of your own. Your car is a total loss, now the insurance company offers you substantially less than you are willing to take. The insurance adjuster will tell you that according to the comps in your area, your car is not worth much more than that, and [...]
Documenting your bodily injury claim is not very difficult if you are keeping a dairy of your injury. The claim adjuster will look over all the evidence you present. The tricky thing is that you must do it as you go, if you forget, then it will be very difficult to go back and add [...]
Should insurance pay for punitive damages? Many say that they should. But in reality we believe that insurance polices should afford any coverage for punitive damages. Punitive damages are those damages that a court awards to punish or to deter that conduct.
In our endeavors when looking at car accidents, we are looking at those cases [...]
Nope, it sure it’s not. The total loss process has been so manipulated by insurance companies to be completely cumbersome and difficult to understand. Also, since most states have allowed for statutes that can put you out of a rental car in as low as one day (Texas), then insurance company has the negotiation [...]
If you are ever involved in a car accident where your vehicle is declared a total loss, this situation will probably become an issue. Insurance adjusters are trained to deny completely any new equipment in your vehicle. Their theory is that they are settling a the total loss of an old car and the equipment [...]
Most of the time they will, however how much they will go up should be the better question. Insurance companies are in the business of risk. They know that if you are more inattentive than other drivers, they will use that to raise your premium.
They often look at the nature of your claim. If you [...]
Do you have a question? Do not want to hire an attorney to give you answer? And the insurance company is giving you the run around?
We had several inquiries via email per day! We realized that we needed to open the forum to questions. We are writing this site as fast as possible, but it [...]
