5 Ways to Speed Up a Car Accident Claim
The claim process for receiving compensation from a car accident can be a long and complicated. It is believed that the insurance companies have designed the claims process in this manner to confuse and discourage people from making claims. It has also been suggested that the claim process is set up in such a manner that most people do not receive full and fair compensation and are unaware that they have been shorted.
While these statements are just a common belief and not actual written policy, it cannot be stated that these assumptions are actually factual. But why take the chance? If you have been involved in a car accident, it is recommended that you seek legal representation. The following tips are ways an attorney can help with the claims process when it comes to compensation following an accident.
1. The Modified Comparative Fault Rules
Some states, such as Texas, have the modified fault rule that is applied to all insurance claims. For example, if you are filing a $100,000 claim for compensation, and it is found that you are 30 percent responsible for the accident; your claim will be modified by 30 percent for a new claim amount of $70,000.
If it is found that you are responsible for 50 percent or more of the accident, your claim will be denied. Having an experienced TX attorney to where your accident occurred will help ensure that the correct percentage of fault, if any, is applied to your case. One San Antonio auto accident attorney firm states “Lawyers know exactly how to communicate with insurance companies to help an injured driver receive the appropriate medical compensation, as well as any other types of compensation that are warranted.”
2. The Compensation Amount is Fair
An attorney can review any and all offers made by the insurance company to make sure that they are fair. All-too-often, insurance companies will make low-ball offers or only compensate for a portion of their obligations.
3. Deadlines Will be Met on Time
Many claims for compensation, especially those that go to trial, have specific guidelines for the time line that documents must be submitted to the Court and to the opposing party. Missing deadlines can cause the case to be dismissed.
4. Better Understanding Of The Process
The claims process can often be long and confusing. By having legal representation, you can have all of your legal questions answered so that you can make informed choices about your case.
5. Compliance with All the Laws
There are several laws that are specific to car accident compensation in the state of Texas, as well as specific laws requiring insurance companies to honor the terms and conditions of their policies. It is very easy for many of the rules and regulations to be “overlooked” and for the victim of an accident not to receive everything they are entitled to under the law.
As you can see, there are several benefits to hiring an attorney to represent you when you are making a claim for compensation. Perhaps the largest benefit to hiring an attorney is the sense of relief you will have in knowing that the entire process is in the hands of a professional. With all of the chaos you have had to endure since your accident, the sense of relief you will feel will be most welcome.
Lisa Coleman shares some tips on how an experienced legal representative can help make a difference in an accident claim. She recently viewed online how a San Antonio auto accident attorney could help receive a full and fair compensation for such a claim.
Photo Credit: http://www.flickr.com/photos/78428166@N00/8273925000/
5 Procedures to Follow When Involved in a Car Accident
When you have been involved in a car accident, there are several things that you should do to protect yourself and your family. Many of these things will be a natural reaction to this type of situation. However, there are a few things that you must do to protect your rights that you may not be aware of at the time of the accident. Knowing what you should do in the event of a car accident will help you manage this crisis with ease.
1. Seek Medical Attention
You will want to request medical attention at the time of the accident. Delaying treatment is never a good idea. When you delay treatment, the insurance company will often question or deny any types of medical expenses because they say that you cannot prove they were related to the car accident.
2. Collect Pictures and Witnesses
If possible, gather pictures of the accident and witness names and numbers. If you have been injured, this may be impossible to do. However, if you can send someone down to the scene afterwards, it will help to have pictures of where the accident occurred.
3. Notate What you Remember
As soon as you can, write down what you remember about the accident. Include weather conditions, anything you may have noticed prior to the accident, and anything that you may have noticed afterwards. These are for you only and should not be given to the insurance adjustor.
4. Avoid Providing a Statement
Insurance companies have been known to show up at the emergency room to try and get a statement or a sign-off from the injured party before they have even been properly diagnosed or treated. Do not give a written or oral statement to the insurance company until you have spoken to an attorney.
5. Employ an Injury Attorney
You will want to hire a car accident attorney that is experienced with injury law and automobile accidents. To protect your rights, you will need to have legal representation.
The Importance of a Car Accident Injury Attorney
Hiring the correct type of lawyer to represent you after a car accident is very important. Most lawyers practice in a specific area of law. Selecting one that routinely works with car accidents and personal injury will help your personal injury claim and legal case and help to ensure that your rights are being fully protected.
An auto accident attorney will be able to determine:
• Cause of accident- Sometimes there are circumstances surrounding an accident that places fault on more than one party.
• Extent of Damages- There are many different forms of loss associated with an accident. This may include present and future wages, physical damages to your property, and medical costs.
• Fairness of the Insurance Company- Insurance companies are known to make low offers for compensation. An attorney will counsel you to ensure that the company remains fair.
When an accident occurs, there will be many things that change in your life. You will need the assistance of an experienced auto accident attorney. Your attorney can help relieve much of the stress related to a car accident, allowing you time to recover and heal.
Freelance legal writer and researcher Lisa Coleman shares the important procedures a person should take immediately following a car accident, including hiring an experienced attorney. She recently researched online how a dedicated Michigan car accident attorney firm, the Stroble Law Firm, could legally represent a client who has been seriously injured in a car accident, handling all the legalities needed.
Photo Credit: http://www.flickr.com/photos/44124370018@N01/2477374996/
Texting Pedestrians: Alarming Increase in Traffic Accidents
Texting and driving is a dangerous mix, and it’s a common cause of numerous accidents every year. However, when walking along busy city streets and intersections, pedestrians should concentrate their efforts on the surrounding areas instead of texting while walking. A recent survey taken by a leading insurance company found that over 50 percent of the people surveyed admitted to texting, talking and emailing while walking. Over 65 percent of the same individuals also found the behaviors to be extremely dangerous, especially when in the midst of heavy traffic.
Rise in Traffic Accidents
With the increase of cell phone use over the past few years, reports from the Highway Traffic Safety Administration have shown a significant increase in the number of pedestrian fatalities related to traffic accidents. Close to 1,200 individuals required emergency room assistance for accidents that were caused by pedestrians who were found walking while using an electronic gadget. When walking through a busy intersection, studies showed, pedestrians were distracted by their cell phones while crossing, and it took them over 1.2 seconds longer to get across the street.
Houston Pedestrian Accident Risks
Houston has the third highest rate of pedestrian accidents in the nation, and it has accounted for over 40 percent of the area’s fatalities. While distracted driving can impair a motorist and cause numerous accidents, pedestrians are now falling victim to the many distractions of cell phone use each day. Because they are preoccupied by things such as emails, chatting on the phone, texting or watching videos, they are unable to focus on traffic, oncoming cars and other serious issues that could pose a threat. A pedestrian was killed in a hit and run accident in West Houston recently. The victim was apparently not paying attention and walked directly into the oncoming path of a pickup truck. The pedestrian perished at the scene of the accident.
Fatalities and injuries that include pedestrians crossing the street can be one of the most preventable accidents. Many times an individual is just too busy to notice oncoming traffic or other obstacles in their path. However, staying visible and practicing extreme caution is imperative in keeping safe. As a pedestrian crossing the street, you have the obligation to obey the necessary laws in that particular state. This includes crossing at the designated locations instead of navigating the middle of the street, taking your time and waiting until the road is clear to walk, and staying visible. One of the most obvious safety tips is to tuck away your electronic gadgets such as notepad, cell phone and musical headset while crossing the street.
In the case of the Houston influx of pedestrian accidents, residents have numerous resources available for individuals looking for helpful safety tips such as blogs and articles on legal websites. The Houston rail safety program, Operation Lifesaver project, is also a useful tool for safety tips. In addition, travel websites like http://www.ridemetro(dot)org provide beneficial help aids, precisely for pedestrian safety.
As technology advances, and the modes of communication expand, a personal injury attorney can be expected to see a significant increase in lawsuits related to distracted pedestrians. Many individuals feel the pedestrian has the right of way in any situation and because they step foot in the crosswalk, all traffic must stop. However, sidetracked pedestrians can be at the center of an accident between a driver and those trying to get across the street. Essentially, they must take responsibility for their negligent actions.
Jamica Bell is a freelance writer who contributes this article as a way to shed light on the rising merger of texting pedestrians and accident injuries. Legal website www.houston-accidentattorney.com is designed to be an aid and tool for pedestrians seeking safety tips as well as for individuals looking for resources and ample legal representation.
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