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Some states have a “No Fault” law was enacted to provide certain immediate benefits for all victims of an automobile accident, regardless of who was at fault.
Each insurer of a vehicle in which a person is injured will provide payment of typical expenses caused by personal injury, called “PIP”: Personal Injury Protection. An injured person must make their claim to the insurer of the car in which the victim was injured. If the injuries are not serious enough to reach the “threshold,” the victim receives nothing further.
If the injuries reach the legal “threshold” the victim may then make claim against the driver of a vehicle who was legally liable (at fault) in the accident. The “threshold” is an injury which (a) requires over $3,000.00 in medical treatment, or (b) causes permanent injury or (c) disfigurement. After the threshold is met, the victim may make further claim against the responsible driver’s insurance company.

Our car accident lawyers routinely handle these PIP benefits for our clients at no charge when we are retained to represent the client on the liability claim against the person who was at fault.

Your PIP benefits are your “lifeline” if you are disabled due to an accident; it is important that you coordinate with us to be sure you obtain all benefits to which you are entitled.

At least $3,000.00 for reasonable, necessary costs for medical treatment (The policy limit may be higher– check the individual policy).
Lost income caused by the injury, for up to a year, at the rate of $250.00 per week or 85 percent of your average income (whichever is less).

Household services: (“Essential Services”) This $20.00 per day payment by the insurance company is to pay someone else to perform those household tasks which the injured person would have done if they had not been hurt. The insurer paying the PIP benefits is usually reimbursed by the insurer of the driver who was at fault in an auto accident. All policies are required to include these benefits.
To receive the benefits your doctor must certify that you, (1) need the treatment received, (2) are unable to work at your regular job, and (3) need the household help. Your doctor is the key to your entitlement to the benefits; be certain he or she understands your needs.

If you reach the “threshold” described above you may be entitled to a lump sum personal injury payment, which we will negotiate for you.

An automobile accident is always stressful. You are not alone. This advice has been prepared to help guide you through some of the steps you should take to insure that your property damage claim is handled speedily and that your interests are protected.

Immediately following the accident, or as soon thereafter as you are able, you should contact the property damage adjuster of the responsible party’s insurance carrier and make arrangements for your vehicle to be seen. This can be done either by the adjuster coming out and looking at your vehicle and estimating the damages, having you take the vehicle to one of the insurance company’s drive thru shops, or by having you obtain two or three estimates on your own from shops of your choice.

If your automobile has been damaged in an auto accident, you are entitled to have your automobile repaired, or if your vehicle is determined to be a “total loss,” you are entitled to be paid the value of that vehicle. If you had other personal items damaged in the accident, you are entitled to be reimbursed for those losses as well.

Sometimes, when there are liability issues involved, you may experience long delays in getting a response from the responsible party’s insurance carrier regarding what position they are taking concerning your claim. Therefore, some clients may prefer to have their own insurance carrier handle their property damage claims.

When an accident is someone else’s fault, generally that person’s insurance company will compensate you directly. Otherwise, your own insurance company may reimburse you for your vehicle, e.g. property damage, if you have the appropriate insurance coverage. A property damage claim is resolved in one of two ways: either your car can be repaired or it will be considered a total loss — meaning that the cost of the repair exceeds the actual value of the vehicle.

You may have the right to have your car repaired at the body shop of your choice. You need not accept the insurance company’s property damage appraisal of the actual repair costs. Take your car to your selected body shop and present a written estimate to the insurance company. Make sure you retain 2 or 3 written estimates from different body shops. Do not rely solely on an insurance company’s estimate. Be satisfied that your car is returned to pre-collision condition before signing any insurance company check or property damage release. Otherwise, you may waive your right to further repairs.

Once an estimate of the damages has been determined, the insurance company will either issue you and the shop a check, or will pay the shop upon completion of the work. If you receive the check up front before your repairs are done, do not give it to the shop until the work is done and you are reasonably satisfied. If you pick up your vehicle from the shop and notice something that has not been taken care of, let the shop and the adjuster know immediately.

Total loss means that the cost of repair exceeds the reasonable retail market value for “your” car in the condition it was in at the time of the accident. If your vehicle is determined to be a “total loss,” (this means that your vehicle will cost more to repair than its worth) you are entitled to be compensated for the value of your vehicle. Fair value is usually determined by the NADA Guide. However, some insurance companies are now using computerized data services. When your car is a total loss, the insurance company is obligated to pay you for the market value of your car in the condition it was in before the collision. Market value can be determined by looking in classified ads for similar cars with similar mileage as yours. Ask car dealers what a similar car sells for on their lot. Obtain written estimates for retail values of your car from a salesperson. In negotiating the value of your car, let the insurance company know of any recent repairs, any special accessories and the value of any damaged contents. Show the company recent receipts of all service and maintenance records. You have the right to market value, which is generally higher that blue book value. An insurance company is not responsible for an outstanding loan or lease balance in excess of market value. So, if you bought a car and were making monthly payments, you may unfortunately owe more than what the car is actually worth. You will not be entitled to recover compensation for the loan balance if the car is worth less. This is a result of a poor business decision when you purchased or leased your car. You are also entitled to recover pro-rated licensing fees on the balance remaining on the annual license and sales tax on the total loss value.

If you feel you are not being offered a fair settlement for your vehicle, please let us know and we can assist you in getting this resolved.

If an accident is another’s fault, that person’s insurance company should provide you with a rental car while your car is in the repair shop or until the insurer makes a reasonable offer to settle a “total loss” on your vehicle. If the at-fault driver is uninsured, your right to a rental car is subject to the terms of your own insurance policy.

Contact the insurance company for pre-authorization of all rentals. They will direct you to local car rental companies. If there is a delay in obtaining a rental car, you may be entitled to compensation for the “loss of use” of your vehicle for each day you have been deprived of its “use.”
This rental car insurance is not compensable. You will not be reimbursed for insurance on a rental car. Most car rental companies want your business and most will have a drop-off and pick-up service if you request it, at no additional charge.

If you had other items damaged in the accident, don’t throw them away! The insurance company will not pay for damage to items if the items were not retained. If you recently purchased any of these items, the receipt will be helpful in obtaining reimbursement. If you do not have receipts, you will need to get estimates or some proof of the market value of the item. For example, you recently purchased a cellular phone and it was cracked in the accident. You didn’t save the receipt, but you recall where you purchased it. You can go to the store where you purchased the phone and describe the make, model, etc. and ask them to give you a note indicating its cost at the time of your purchase. They might even have records of the purchase. The insurance company will then reimburse you the cost less any depreciation.

NOTE: If you need help with your property damage claim, please call your attorney or paralegal for assistance.

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Auto Insurance Policy Strategies

A great deal of individuals are finding it hard to determine exactly what type of auto insurance policy is right for them. The more you know about automobile insurance coverage, the better possibility you’ll have at getting the right coverage for you.

To save cash on your car insurance coverage, choose an auto make and design that does not require a higher insurance coverage cost. Safe vehicles like a Honda Accord are much less costly to guarantee compared to sports cars such as a Mustang convertible. While owning a convertible might appear preferred initially, a Honda will certainly cost you less.

Having numerous vehicle drivers on one insurance plan is a good way to save money, but having numerous drivers of one vehicle is an also better way. Instead of going with several cars, have your household use one automobile. Over the life of your plan, you can conserve hundreds of dollars by driving the same auto.

Never inflate your auto’s worth when you enroll in insurance coverage. Doing this only costs you more money through higher fees.

If you plan on buying a brand-new automobile but wish to keep your insurance fees low, get a less expensive car. The more pricey a vehicle is to repair, the more cash your insurer will require from you. You will save money both in buying a lower valued auto and in covering it, keeping more pof your money securely in your pocket.

Preserving a good driving record is essential to obtaining the best insurance coverage costs possible. Getting in a collision will dramatically raise your prices.

When your car gets to be older and worth much less, think about going dropping the comprehensive insurance coverage. You will save on your costs. Figure out how much your car is worth and calculate just what you pay yearly to insure it. If the numbers are close, reduce the insurance coverage.

Take a driving training course to get a discount on auto insurance. Young drivers that have taken a motorist’s education and learning course are usually eligible for discounted automobile insurance policy prices. Older motorists that take a defensive driving course are also eligible for price cuts on a vehicle insurance policy. Get in touch with your insurance provider to see if they provide these discounts.

Automobile insurance coverage is required to drive, and finding the best insurance coverage and appropriate coverage is an important choice. There will be a deductible, which is the amount you pay out of pocket. Anything over the insurance deductible is covered by the insurance policy.

Look for an insurance coverage that offers a crash forgiveness option. Normally, you can get collision forgiveness if you have a great driving record.

With the information you just learned you should have a much better idea of the kind of automobile insurance protection to get for yourself. This isn’t all there is to learn about the type of protection you may want. Find out all your options before deciding which insurance protection is best for you.

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Privacy is something that is important for everyone. A privacy lawyer will be able to help someone that has had private information leaked out about them.

Every person has a different situation. The legal team will carry out an investigation that will help figure out what can be done. This is something that is going to be very important. A lawyer will be able to offer advice for almost any situation.

Not everyone will have the same situation regarding the leak of their legal information. Everyone has to give out their personal information at some point for different reasons. When they do this, they take a chance of the information being leaked out.

Whatever the reason is for the leak of information through a specific source, they will have a legal claim. They can hire a lawyer and take them to court. Suing someone for this is almost always a guarantee that the person is going to win the case.

Every lawyer will have a different amount of experience when dealing with these things. They have to make sure that they are able to represent their clients. Knowing what the law is regarding all of these things will be very important.

The court system will look at the investigation that is done regarding this and determine whether or not someone will be able to get compensated for this. Sometimes, identity theft and privacy leaks are very profitable for the victim. They are going to want to make sure that they are not using this all of the time though.

This is something that can affect the rest of their life. Some people will have to start over somewhere else in order to live comfortably. The legal system is something that is meant to protect everyone that is represented.

Not everyone will say that it is fair because they did not get what they wanted. This is something that every type of case is going to have. It is difficult to make everyone happy.

There are many lawyers that will try to explain that to their clients, but not all of them will be able to understand what they are doing. They have many different things that are going to be represented also. Some of them are going to deal with personal information while others are going to deal with media content, such as pictures.

When someone offers information, they will be faced will a lot of guilt when it gets into the wrong hands. There are a lot of things that people will want to consider though. Everybody has to make sure that their privacy is respected too.

There are many companies and organizations that do not take this seriously. They need to make sure that everybody has the respect though. Legal matters are something that is very important.

The court system will look at each case separately though. They want to make sure that everybody has the respect that they need to have. Every situation is going to require them to look at it differently though.

If a privacy lawyer is hired, they will have a good idea of whether or not they will actually have a case. This is something that needs to be taken seriously also. Every case is going to be treated differently based on the situation though. The legal system will have many things that are important to be taken care of with each case that goes through the court system.

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