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Renewing Your Car Insurance: What About the Fine Print?

When we go to our insurance agent to renew our insurance, we give them a check, and they give us a proof of auto insurance. What many of us don’t realize is that we are, in fact, signing an insurance contract. (when you buy house insurance for your house, you are sent a contract in the mail with the particulars of the policy in it along with the fine print). The particulars of the contract and the fine print are contained in legislation and we are all expected to look it up on our own. Unfortunately, very few of us do. More about our Car accident lawyer in San Antonio here
Why is our one claim really two claims? If we are involved in an accident that is not our fault, we go to the insurance company and expect that they will simply take care of our claim and look after us. What we don’t know is that, by law, there are two separate claims involved. The first is against the driver of the vehicle that caused the accident. If this driver is out of state, the distinction between the two claims is easier to understand. An out-of-state driver might have insurance through another insurance company. That company would step into the at-fault driver’s shoes and handle the negligence claim (which would include such things as pain and suffering, out-of-pocket expenses, loss of earnings, future loss of earnings, future care costs, loss of homemaking capacity, etc.). Until this claim is settled or has gone to trial, the insurance company for the at-fault driver does not have to pay you any money whatsoever, including loss of wages. This can be (and often is) quite harsh on people who have bills to pay and mouths to feed.

The second claim is with your own insurance company based on the insurance contract you have with them. That contract provides that your insurance company must pay you certain accident benefits which are payable regardless of whose fault the accident is. These benefits are modest, but they include things like medical prescriptions, physiotherapy, massage therapy, chiropractic, home modifications, rehabilitation benefits, psychological counseling, loss of earnings to a maximum of $300.00 per week, etc. These benefits are payable regardless of the status of your claim against the at-fault driver.

What if both drivers are from the same state? The distinction blurs somewhat when both vehicles involved in an accident are from the same state. and are both insured by the same insurance company. In most cases, the insurance company. assigns one adjuster to handle both claims. That adjuster represents the at-fault driver on the negligence claim (not on your side) and the accident benefits claim under the contract (on your side). Be careful when negotiating your claim directly with the insurance company. Unfortunately, it is often the case that the distinction between these two claims is not explained by the adjuster to the claimant. Internally, the insurance company is capable of allocating monies that are paid out between the two policies which often occurs behind the scenes. A person needs to understand the distinction between these two claims and where the adjuster’s allegiances are and be careful when negotiating their claim directly with insurance companies.

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Personal Injury Law: Auto Accidents

Our Law Firm is a full-service car accident law firm with offices servicing Texas. The Vehicle attorneys at Our Law Firm have the practical knowledge, and talents and recognize how to enhance a client’s recovery. With our proficiency in car accident laws, the auto collision lawyers at Our Law Firm can protect your rights and fight in your case to increase your potential financial recovery. We will strongly protect your legal rights starting with the insurance provider and continuing to the courtroom. At our Law Firm, we have a no recovery-zero fee guarantee, which means you will never be charged a single thing unless we succeed in your case. Give us a call today for a free, private consultation with a skilled vehicle accident attorney. More about our Car accident lawyer in San Antonio here
For those who have suffered a car accident injury, the most crucial selection you can decide is what personal injury lawyer will represent you. Truth be told there are many law firms and legal professionals you can get, however, you should demand a car attorney that recognizes car personal injuries and the reasons for vehicle incidents and can fight boldly for your legal rights. Our automobile accident attorneys make use of reconstruction specialists, economists, investigators, doctors, biomechanics, and other forensic consultants who are essential so that we can establish precisely how your motor vehicle crash transpired and just how much value there is in your case. Our skilled vehicle collision lawyers can easily decide whenever such advisors will be required and just how best to utilize their specific knowledge during talks with the insurance provider to settle your case or to utilize litigation to procure optimum success for you. Call us now for your no-cost, confidential assessment with a skilled vehicle crash attorney.

If you are a vehicle injury victim, you could be entitled to numerous forms of damage claims, such as the following:
1. Doctor care regardless if you have medical insurance or not.
2. Reimbursement for physician charges.
3. Payment to cover your potential future medical treatment
4. Repairs or maybe replacement of your vehicle.
5. Reimbursement for car rental expenditures.
6. Compensation to cover your missing income and future lost income potential.
7. Reimbursement for upfront bills.
8. The highest level of financial recovery for your pain, ailments in addition to psychological stress that have resulted as a result of your current actual injuries.

All of the auto crash attorneys at Our Law Firm take on differing types of automotive injuries, which include, however not restricted to:

hazardous lane changes
rear-end collisions
intoxicated drivers
car or SUV rollovers
broadside accidents
turning incidents
running stop signs and red lights
speeding
dangerous motorists
bus wreck
car or truck vs. people crashes
all various other personal injury accidents.

At Our Law Firm, each of our proficient vehicle collision lawyers will certainly do anything in his or her capacity to increase your recovery. Keep in mind that we have a zero recovery-zero charge warranty, which means that you will not pay anything at all unless we recover for you!

No cost Residence Visits: As a service for our clients, our Car injury attorneys at Our Law Firm will provide home appointments for your convenience. Call us today for your no-fee, private assessment with an experienced car accident lawyer.

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