The weather is changing. Temperatures are dropping. This is a good time to start shopping around for those things you will need for your car “Snow tires, chains, shovels, engine heaters, etc. Remember that once the winter hits, the lines will get crazy and you will be waiting a long time.
Remember, temperatures will drop and [...]
The weather is changing rapidly. Prepare yourself for what winter has to offer. Snow is not here yet, but you can start preparing (budgeting) for those snow tires, sand, salt, anti freeze, etc. Keeping a warm coat in you car can become very useful in case you end up in the ditch!
Also, a mechanical inspection [...]
Ok, let’s set the record straight. There is a right and a wrong way to file an insurance claim. What you say the day you file your claim can give the insurance company enough to decline your coverage. You must be aware of what you are doing before proceed forward.
Here is a short how to [...]
We get emails about his all the time. Here is our reply: depending of who is denying your claim, your rights can be protected. If you are making a claim against someone else insurance company, they can tell you that your claim is denied because they believe that your at fault. That is about all [...]
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 [...]
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 [...]
Why would want to do that? Diagrams? It’s only complicate right? Plus the police create very good ones, more accurate ones, right? Wrong.
The police diagrams are not very impressive. Most police offices just draw a boxes, where north is, and where the location of the accident was. You need to sit down and create a [...]
If you are involved in car accident and suddenly you find yourself waiting for the police, this could be the best time to collect some critical information that could win your case. Depending on how hard was the impact to your car, and how hurt you are, you could collect information that would help your [...]
Insurance adjusters often refer claims to the SIU unit to review “suspicious claims”. The suspicion can really just about anything. If the stories about the claim do not match up then this adjuster will take other statements and probably meet face to face to ask more detailed questions.
Having a claim referred to SIU is not [...]
Can you? Did you ask? In today’s world technology seem to be advancing way more than we think. It seems that with video cameras as cheap as $15 everyone can afford one. Pretty much every parking lot today has some kind of security camera recording 24 hours a per day. The chances of being able [...]
This is a question that comes up often, so I thought I would give you my two cents on that issue.
Once there is a car accident you will have claim adjusters calling you to give a recorded statement. They will tell you that they need this to continue the “investigation.” Since when an investigation has [...]
The duty of good faith and fair dealing applies to all insurance companies and in the United States. They have duties codified in every state statutes. All states are very similar since these duty arises the same place, the second restatement of contracts.
There are duties that insurance companies must fulfill when dealing with the public. [...]
How does an insurance adjuster establish fault? Fault is based on the elements of negligence (duty + breach + causation + damages). But how does s/he determine that these elements exist.
Traffic laws are essential to determine duties. But more important that evidence found on the traffic codes is the actual accident evidence left behind the [...]
Accident diagrams can change the view of an adjuster, a judge, or an arbitrator. Some accidents are very hard to explain, they are confusing and you cannot just relate everything in a recorded statement. Most insurance adjusters just listen to you and they make a decision based on what they believe they understood out about [...]
Learning how to read the police report is critical. If you do not understand what the police report says ,then the insurance adjuster can omit important information that affect your claim and/or case.
The “big” issues are usually outline in the portion where the officer actually writes the testimony. Remember that the written out report is [...]
