Tag: Insurance attorneys

car wrecks

Car Wrecks: Make Sure You Have a Copy of the Accident Report

While some motorists travel as if on autopilot, commuting and running daily errands, many of us proceed with extreme caution every time we head onto the roads. With statistics showing that traffic accidents just continue to rise, everyone should be worried today whether they are traveling by car, on two wheels, or on foot. This means practicing more diligence and defensive driving than ever, along with knowing what to do if you are in an accident.

Most of us would rather think about a million other things than what to do or how to prepare for the aftermath of a car wreck; unfortunately, most drivers will be involved in at least one traffic accident in their lives. For some, a car crash means debilitating and life-changing injuries—for others it can still mean substantial property damage and trauma, even if it is just emotional. Depending on the severity of the accident, there may be grounds for a lawsuit or your injury attorney may be involved in settlement talks with the insurance company. What you do right after the accident could have a major bearing on your case though, so take time now to be prepared for such an occurrence later.

Making sure there is an accident report is the first course of action. This happens after you call the police. If you were in a wreck due to the negligence of others, they may not want to call the police, or it may seem like no one is hurt. In some cases, the at-fault party may just want to offer you their personal information or even just cash in exchange for everyone leave the scene without calling local law enforcement. Unless you have been in an extremely minimal fender bender, such behavior is almost always unacceptable. An accident report should be completed, and it is vital that you have a copy to pass on to your attorney, as well as the insurance company later.

If anyone is injured on the scene, an ambulance should be called immediately. If you have any question at all that you or a passenger (or if someone seems injured and unconscious or groggy in the other car) is hurt, it is still recommended that you act immediately. Keep in mind also that waiting to be treated may look questionable later if you are involved in a lawsuit regarding the accident. Contact information and insurance information should be traded as soon as possible after the accident, and if you have access to a camera, photograph both cars, license plates, and the entire traffic scene—to include road signs, traffic signs and lights, and any other pertinent information. Contact information should be requested from witnesses too.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

insurance companies

Insurance Companies and How Specific Parties Are Defined

Insurance may be required in some states for businesses or automobile owners, but most of us realize the value of coverage without having to be forced into buying it from the government or insurance companies—simply because we want to be protected from financial catastrophe, whether in terms of health care during an illness or after an accident, automobile accidents and liability, commercial liability, damage to the home, lawsuits over professional negligence, and more.

Understanding your coverages as well any limits or exclusions is critical. Most of us pay our premiums and sleep peacefully knowing we have insurance in place and a policy sitting somewhere in a drawer or a file. We hope and assume we won’t ever need to file a major claim. And as for that policy sitting in that drawer, it may not only seem like some pretty dry reading, but difficult to understand too. It is a legal contract though, so while the legalese is to be expected, you may have some trouble plucking out the main details that apply to you in the case of a major crisis.

One thing that can be very confusing is understanding how parties are defined by insurance companies and in the insurance policy itself. Mainly, differentiating parties is important for describing who would be getting paid by the insurance company in the event of a claim. It is actually very simple though by definition: the first party is the individual or business purchasing the policy from the insurance company. In such a ‘transaction,’ your insurance company is considered the second party as they take care of following through on the promises outlined in your contract/policy. The third party is another party who you are protecting yourself from, basically, as they may file a claim against you; for instance, if you own a business, there may be a claim filed by a third party if they experience a slip and fall accident on your property.

As the first party (say as the owner of an automobile insurance policy), if you have an at-fault accident where your car needs repairs, you must pay the deductible and deal with the insurance company—as well as repercussions such as increased premiums and possible points against your license. Are you concerned about a recent claim, or are you trying to understand your insurance policy? If a dispute over a claim cannot be easily resolved through a call or written communication, the Bolender Law Firm will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation.

Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!