Many drivers rely on good faith and may not be prepared to be forced to sue their car insurance company in order to receive payment for expenses resulting from a vehicle accident. Typically, most simply want to have their car repaired and their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many vehicle insurance companies on a regular basis that benefit from their clients by cutting off their benefits without reason or notice. Some insurance companies also put people “under investigation”- the excuse for stopping payment of medical bills and wage loss. Individuals are being ignored, threatened, intimidated as well as lied to by their insurance claims adjusters.
Listed below are common tactics employed by auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on the best way to protect you to ultimately avoid or minimize problems with your automobile insurer.
Many restrictions and limitations are buried in your policy’s small print. Understanding how to see and be aware of the small print of car insurance policies will not be always easy. Auto accident lawyers have seen quite a few people lose out on important benefits since they were unaware of important filing requirements buried within their policies. For example, many auto insurance policies pose strict notification requirements, including 30 days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance companies can change their policy filing requirements anytime. When motor vehicle accident victims usually do not react to notification requirements on time, they are able to lose their coverage.
The best way to protect yourself: Notify your insurance company immediately after any sort of accident. Be sure you have your complete car insurance policy, including any notification of coverage changes from year to year. This could also include pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.
It’s also important to examine insurance coverage for just about any benefits that overlap with your personal health insurance and disability insurance; as well as review any other coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical treatment for vehicle accident injuries, having a solid knowledge of insurance coverage may help make sure that health care providers bill appropriately.
If you are confused with your vehicle insurance policy and also have questions, don’t hesitate to contact a legal representative who concentrates on auto accidents – most are very happy to offer advice and guidance for your protection.
Insurance agents don’t always recommend the most effective coverage. Following a car accident, there may be numerous issues and challenges navigating medical insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies. Furthermore, insurance agents may avoid mentioning important coverage options and applicable discounts due to rkgtik losses or lower premiums that reduce their commissions.
Many people decide to carry more insurance coverage therefore they will never be personally liable when they result in a serious vehicle accident. However, many people pay only the minimum insurance premium to renew their license plate annually, and then enable the auto insurance lapse. With no uninsured/underinsured motorist policy, a driver or loved ones severely injured by an uninsured motorist may have no supply of legal recovery for his or her injuries apart from filing a lawsuit up against the uninsured driver for his or her personal assets. Many people do not have sufficient personal value to make up a person that they have seriously injured.
How to protect yourself: Should you be injured in an auto accident, contact an experienced auto accident lawyer who is best capable to provide guidance on issues which insurance coverage is primary, and that will pay medical expenses which are incurred after a crash.
In the event you carry ERISA medical health insurance, uncoordinated or primary coverage will be the safe move. An insured person with both ERISA and coordinated insurance might end up recovering nothing for their suffering and pain in the event of a car accident. Check your insurance coverage for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this kind of coverage is missing, call your insurance company to add it – the cost is minimal and strongly recommended to protect your family.
Raising your deductibles to a minimum of $500 or more may also lower your car insurance premiums by 15 percent to 40 percent. Consider dropping collision and comprehensive coverage on older cars. Should your car will be worth under ten times the premium, eliminating those coverages can help you save money, unless you still owe money for that car. Finally, if there is any decrease in the volume of miles you drive annually, call your insurance carrier for quotes on low mileage discounts.