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Injured Parties Ask the police about all injured parties, including the passengers in the automobiles. An example: your underage driver, drinks and drives, and causes an accident. Classic cars are either inherited or are collected as a hobby by many people. It could be that the cost of lost wages and medical bills may be recovered through an existing health insurance policy. In addition to the time factor, tort insurance lends itself to the lawsuit as a method to retrieve payment. This is despite a requirement under California health insurance laws stating that small group health insurance must be available to any small business that otherwise qualifies for group health insurance. Damages Write down the make, body type, year, and license number of all the motor vehicles involved in the car accident. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. It is almost always an unbelievably expensive item with respect to the family budget. This may seem like the thin end of the wedge, especially if youre the one driving an office car pool, however, the safety of any passenger riding in your car is always going to be your responsibility. Tell your own auto insurance company that you claim your right to any uninsured or under insured motorist coverage, in case the car or truck that hit you was not covered by motor vehicle insurance. If you have a good clean driving record, youll pay less for insurance. If you live in a tort state, for example, and are involved in an accident that is not your fault, you have a choice to either let your insurance company fix it, or you can require the other driver's car insurance to handle the details, in effect freeing yourself from the hassle of having to report the accident to your insurance company and paying the deductible. Firstly, the fact that blame does not have to be confirmed saves time and therefore allows medical payments to get into the pockets of the injured parties as soon as possible. The best automobile insurance policies will include the following items: uninsured motorist coverage, personal property liability, collision coverage, bodily injury liability, comprehensive coverage and personal injury protection (PIP). In fact, of the 16 or so states that enacted a no-fault policy in the early 1970's, only twelve states remain pure 'no-fault' states: Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota, Utah, Florida, Michigan, New Jersey, New York and Pennsylvania. The health insurance may be revoked if the required minimum number of employees doesnt participate. Attorney Marya Sieminski joined the Law Offices of Sam Bernstein in 2003. Generally, it covers the cost of a legal defense up to the amount specified in your insurance contract. Title to your assets will be transferred (repositioned) from you to the name of an independent trust with an independent trustee. However, it is up to the insurance company to allow a higher usage limit for possibly a higher premium or deductible. Secondly, it saves everybody from the cost of lawsuits being filed so that responsibility can be proved for an accident and therefore who has responsibility for the bills. Damages Write down the make, body type, year, and license number of all the motor vehicles involved in the car accident. In addition to an auto insurance policy and home insurance, most insurance people will recommend that you buy a Personal Liability Umbrella Policy. Model year, weight and vehicle type: The more power you have the higher premiums you will pay. File an Auto Insurance Claim Tell your auto insurance company about the car accident immediately and get an insurance claim number. SUVs and trucks will generally sustain less damage in a collision, but will cause more damage and higher liability claims.
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