The Do It Yourself Guide to Settling Your Property Damage Claim

Size: px
Start display at page:

Download "The Do It Yourself Guide to Settling Your Property Damage Claim"

Transcription

1 The Do It Yourself Guide to Settling Your Property Damage Claim The information you need before talking to the insurance adjustor about your property damage. By Shelly M. Leeke, Attorney at Law North Area 103 Laurel Avenue Goose Creek, SC Phone: LeekeLaw.com Charleston & Mt. Pleasant 222 W. Coleman Blvd. Mt. Pleasant, SC (By Appointment) Fax:

2 Shelly Leeke Law Firm North Area Office 103 Laurel Avenue Goose Creek, SC Downtown & Mt. Pleasant 222 W. Coleman Blvd. Mt. Pleasant, SC Phone: Fax: Copyright 2010 by Shelly M. Leeke All rights reserved. No part of this report may be reproduced, stored in a retrieval system, or transmitted by any means, electronic, mechanical, photocopying, recording, or otherwise, without written permission from the author. Printed in the United States of America. LeekeLaw.com

3 Page 1 INTRODUCTION Hopefully you have ordered this guide because you are a planner, and you know that that the unexpected CAN happen, so it is always best to be prepared. If you have had the unfortunate experience of being involved in a car accident before, you know that settling your property damage claim can be a real hassle and you don t want to take a chance on going through the experience empty handed ever again. Or perhaps you are finding yourself after the accident, calling attorneys to help you with the property damage and you consistently hear, sorry, but we don t handle property damage claims. If only your car has been injured and not your body, you may be swimming through the murky waters of the insurance company alone. That is why I have created this simple manual to assist you in settling your property damage claim. My name is Shelly Leeke, and I represent victims who have been injured in car accidents. I receive many calls from innocent people such as yourself who need some advice on how to deal with the insurance company when you are not hurt, but you need your car repaired or even replaced. Shelly Leeke Law Firm North Area Office 103 Laurel Avenue Goose Creek, SC Downtown & Mt. Pleasant 222 W. Coleman Blvd. Mt. Pleasant, SC I hope this guide will assist you if the unexpected accident happens. I welcome your feedback. If you would like to continue to receive my special reports and guides on accidents and injuries, please or call. Now, let s get started. Phone: Fax: LeekeLaw.com

4 Page 2 Negligence - the failure to take the sort of action a reasonable person would take under the same circumstances. Adjuster - someone who investigates insurance claims and/or property damage claims and negotiates an appropriate settlement. YOUR RIGHTS WHEN YOUR VEHICLE IS DAMAGED When your vehicle is damaged because of the negligence of another, you have certain rights according to South Carolina law and the rules and regulations of the South Carolina Department of Insurance. If you are our client, in almost all instances our office will be dealing with the other person's liability insurance company through their adjuster. REMINDER: Always limit your conversation with the adjustor to property damage issues only. If you suffered injuries in the accident, do not give statements to anyone about your injuries! CAN I DO IT MYSELF? Because it is rarely cost effective for you to hire an attorney to pursue your property damage claim, this pamphlet has been prepared to assist you in negotiating your property damage claim with the adjuster. If you are a client of ours, we will help you handle your property damage claim as a courtesy. It is still always your duty to mitigate, or minimize your loss. For example, delaying settlement of the property damage can result in unnecessary storage fees, depreciating car values, and increasing repair costs which may give the insurance company an excuse not to pay for the entire vehicle damage claim. WHERE DO WE START? If your vehicle is damaged in a collision which was caused by someone else's negligence (fault), the first thing you will want to do is to contact your insurance company and report the accident. You will then want to contact the insurance company of the at fault party. Once the claim is reported, there is often a waiting period for the insurance company to set up your claim and assign an adjuster. This process may take 2-3 days from the date you first contact the liability company. If you were injured in the accident and we represent you for your injury claim, in our office, we will report the claim for you. Often there will be two adjusters, one to handle the property damage and one to deal with us on your bodily injury claim.

5 Page 3 FR the green sheet provided to you by the officer at the scene of a collision. It can be used to obtain liability insurance information and order the full accident report. Fair Market Value - the value a seller, not forced to sell, and a buyer, not forced to buy would agree upon for a specific item. You can often help our office obtain the name of the liability insurance company from the FR-10 (green sheet) provided to you by the investigating officer at the scene of the collision. After we contact the liability carrier by telephone, we always follow up with a written notice of your claim. Once insurance company has notice of the claim, the insurance company starts its investigation. The adjuster assigned to your property damage claim will have to complete their investigation of your claim before they accept or deny the claim. Unfortunately, you will have limited control over the amount of time involved before the insurance company makes a liability decision. In our office, if a client s claim is denied or it appears that the investigation phase is taking too long, we will often suggest that you handle the property damage portion of the claim through your insurance company if you carry collision coverage. If the liability company later accepts liability, your insurance company will seek reimbursement from the at fault company and they will return any deductible you paid out of pocket. If the liability insurance company accepts liability and you do not agree with the settlement offered by the adjuster, you have the right to reject their offer, but this does not mean that you will necessarily be able to recover any more monies on your vehicle. You should always request that the adjuster tell you the specific offer along with the precise policy provisions and factual documentation the adjuster is relying on in support of the offer. PART ONE- TOTAL LOSS WHEN IS A VEHICLE A TOTAL LOSS? A motor vehicle is considered a total loss when the amount of the repairs (including supplemental claims such as projected rental during the period of repair) equals or exceeds the pre-accident cash value, which is sometimes referred to as the vehicle s fair market value. Generally speaking, the liability insurance company is required to pay the fair market value (FMV) - the value of the vehicle right before the collision occurred. In simple terms, the FMV is the value a

6 Page 4 NADA the National Automobile Dealers Association publishes the Official Used Care Guide which insurance companies and many banks use to determine the fair market value of a vehicle. Total Loss - occurs when the fair market value of the vehicle is less than the repair cost. not forced to sell, and a buyer, not forced to buy, would agree upon for the vehicle immediately before the collision giving rise to the property damage claim. Insurance adjusters generally have a book value they use to arrive at FMV. They may have some "wiggle" room based on the condition of the vehicle, but there is generally little room for negotiation. Book value is supposedly FMV, but there may be some room to negotiate based on the condition of the car, etc. Many insurance companies use the National Automobile Dealers Association (NADA) publication entitled "Official Used Car Guide," which is published monthly. Other insurance companies have their own methods to arrive at valuations. Some insurance companies consider their system superior to the NADA Book commonly used. Notwithstanding, no publication is completely accurate and they should and are indeed only "guides". As such there is usually some basis to negotiate in most cases. Reminder: You should always continue making car payments even if the car is totaled. You are generally contractually obligated to continue making payments, notwithstanding the condition of your vehicle. If you are behind on your loan payments, this will only make the negotiation on your total loss much more difficult. WHAT HAPPENS IF WE CAN T AGREE ON A VALUE FOR THE VEHICLE? When your vehicle is a total loss, the adjuster will usually provide substantiation for the FMV of your vehicle, including estimates, evaluations and deductions used in calculating the payment, as well as stating the source of these values. Your vehicle is not worth more because you recently bought new tires or replaced the engine. Usually these items are considered maintenance and they do not enhance the value. Upkeep of your vehicle helps to maintain the value, not increase it. Sometimes a new paint job will be considered, but usually not. Still, be sure to advise the insurance company of any recent major expenses and be sure to provide the adjustor with copies of the

7 Page 4 applicable receipts. If your vehicle was in better than average condition prior to the collision the adjuster is required to give due consideration to this fact in arriving at a value, but if your vehicle was not in good condition this will actually lower the value of your vehicle. Salvage Value - the value of your vehicle s parts, if sold, after your vehicle is a total loss. The salvage value is usually between 10% and 25% of the total loss value. WHAT IF I WANT TO KEEP MY VEHICLE? If the vehicle is a total loss and the fair market value of the vehicle is agreed upon, then in exchange for a check, you must provide the liability insurance company with the title to the vehicle and possession of the vehicle. In other words, the insurance company is not going to pay you full FMV and let you keep the vehicle. This is because there is usually some residual or leftover value in a totally damaged vehicle. At the very least, the vehicle can be stripped and some of the parts sold. The value of what is left of the "total loss" vehicle is referred to as the "salvage value". When the adjuster pays the FMV then you must sign over the Title to the vehicle. If you wish to keep the vehicle then the insurance company will pay you the FMV minus the salvage value". Usually the "salvage value" is between 10%-25% of the Total Loss value. In other words, if you want to keep the vehicle you can, but they will offer less money to allow you to keep the salvage. We generally will ask the adjuster to give us two offers, one if the insurance company takes the vehicle and one if the client keeps the vehicle. The liability insurance company usually will have a salvage dealer who will purchase the salvage for the amount claimed as salvage value by the adjuster (usually a few hundred dollars). WHO GETS THE TOTAL LOSS CHECK? If your vehicle is not financed, then the insurance company will write you a check for the FMV and send it directly to you. If you have chosen to keep the vehicle, the check will include the FMV minus the salvage value of the vehicle. You may then choose whether or not to have the vehicle repaired. If your vehicle is financed you will need to determine the pay-off to the finance company.

8 Page 4 The liability insurance company must pay the finance company. They are required to do this by Law. If there is any money left after the pay -off, they will write you a check for the difference. Sometimes the check from the insurance company may have your name and the name of the finance company on the check. Usually you will need to endorse the check and turn it over to the finance company. The finance company will pay-off the loan and refund the difference to you as your equity in the vehicle. Gap Insurance - insurance you may purchase when you buy a vehicle that covers the remaining amount of an auto loan when a car is a total loss. If the pay-off on the loan is greater than the check from the insurance company then the finance company gets the entire check and you will still owe the finance company the difference, unless you had purchased "gap" insurance. (Gap insurance is insurance you purchase when you buy the vehicle. It is sometimes required for leased vehicles and may also be provided in financed purchases.) If there is insufficient money to pay-off the loan and you do not have any supplemental gap insurance, you may be upside down on your loan (in other words, you owe more than the vehicle is worth). This means, you will be stuck paying for the vehicle that you no longer use. Notwithstanding, if this situation arises you can ask the dealer where you purchased your vehicle if they would be willing to do substitution of collateral. What happens in this situation is that the insurance company sends the check for the FMV to the finance company, which in turn sends the Title to the liability insurance company and transfers what you owe on your vehicle to a new loan on another vehicle selected by you and the dealer. This procedure allows you to settle the property damage claim as well as provide you with a replacement vehicle. Moreover, you may not be required to make another down payment on the subsequent purchase. You will usually be required to purchase the subsequent vehicle from the same dealer because they must agree to this procedure. Reminder: If you choose to go this route, you should definitely purchase gap insurance so you do not again find yourself upside down on a loan.

9 Page 4 Mitigate Your Damages - the requirement that someone injured by another s negligence must take reasonable steps to reduce the damages, injury, or costs incurred and to prevent them from getting worse. WHO PAYS FOR TOWING AND STORAGE The liability insurance company is responsible for all reasonable towing and storage charges until you and the storage facility are notified that the insurance company will no longer reimburse the owner or storage facility for storage charges. Once you are notified of this situation you must take all reasonable steps to move the vehicle or you will be responsible for the charges. AM I ENTITLED TO A RENTAL VEHICLE WHEN MY VEHICLE IS A TOTAL LOSS? If your vehicle is not drivable, you are entitled to a rental vehicle from the time of the collision until you receive an total loss offer from the insurance company. Once the offer is made (assuming the offer is reasonable), the insurance company is not technically responsible for a rental vehicle. Some insurance adjustors will allow you a few more days if you have had trouble buying a replacement vehicle or allow time for you to receive the check. However, they are not required to provide you with a rental vehicle after this time. You are always required to "mitigate your damages". Generally, you should be provided with a vehicle comparable to the vehicle that was damaged. Some insurance companies have arrangements with automobile rental companies whereby a call from the liability company to the rental company will produce a vehicle to you at a fairly modest cost which the liability insurance company will pay for. Mileage and gas are not paid for by the insurance company, only the daily rental costs of the vehicle. Moreover if you do not have collision coverage, you will be required to purchase this coverage prior to obtaining a rental vehicle. The liability insurance company is not required to pay for this expense. If you do have collision coverage through your own insurance policy, you should generally decline additional coverage because your vehicle's collision coverage will usually cover the rental car.

10 Page 3 PART TWO REPAIRS WHAT IF MY VEHICLE CAN BE Repairable - a motor vehicle is repairable if the cost of repairs is less than the pre-accident fair market value. A motor vehicle is repairable if the cost of repairs is less than the pre -accident cash value (FMV). Do not have your car fixed without first allowing the insurance company an opportunity to see the damage and authorize the repairs. It will usually take at least three days to several weeks before the car is appraised, depending on the insurance company, when the accident was reported, and if liability has been accepted. MUST I USE THE REPAIR FACILITY THE INSURANCE COMPANY RECOMMENDS? No. You may use the repair shop of your choice. Often, adjusters will recommend that you use a particular repair shop. You are not obligated to use that repair shop and may use the repair shop of your choice. While you may choose the repair shop, you usually will not be able to designate the parts that are used. Generally, you are entitled to a repaired vehicle that is in a condition as good as it was just before the accident. Keep in mind that unless your vehicle is brand new, it is made up of used parts. This may mean that like, kind and quality parts may be used in the repair of your vehicle. The insurance company also will typically not pay to have your entire vehicle repainted. If only a part of your vehicle was damaged, you are not owed an entire paint job. Most body shops can match the color of your vehicle accurately, even if the paint has faded. HOW MANY ESTIMATES SHOULD I GET? You should get two estimates of repair. Personally inspect the damaged vehicle to make sure all of the damages are accounted for.

11 Page 3 AM I ENTITLED TO A RENTAL VEHICLE DURING REPAIRS? If your vehicle is not drivable, you are entitled to a rental vehicle from the time of the collision, until the repairs are completed. If your vehicle is drivable, you are entitled to a rental vehicle starting on the day that the body shop actually begins repairs. It is important to remember that the adjuster for the insurance company knows how many days it will take to repair the vehicle and will generally not allow any additional days for the rental vehicle. If the body shop is slow in completing the repairs the insurance company will not pay for any more time for a rental vehicle than was reasonably necessary to repair your vehicle. It is always important to pick a reputable body shop that not only stands by its repairs, but also will be responsible for any delays. Generally, you should be provided with a rental vehicle comparable to the vehicle which was damaged. Some insurance companies have arrangements with rental companies whereby a call from the liability company to the rental company will produce a vehicle to you at fairly modest costs which the liability insurance company will either pay for directly or reimburse you later. SUPPOSE SOMETHING GOES WRONG AFTER THE REPAIRS ARE MADE? - If you sign a release involving a repair to your vehicle, that release does not bar you from later asserting a claim for damage to the vehicle which was unknown to you or the adjuster at the time you signed the release. If the discovered damage was caused by the collision and the damage could not be determined or known until the repair or attempted repair of your vehicle, you have an allotted amount of time after the repair to assert the claim for additional damages. WHAT IF I HAVE ADDITIONAL QUESTIONS? If you have additional questions after you have read this brochure, please do not hesitate to contact our office. This pamphlet answers some of the most commonly asked questions about property damage claims.

12 ABOUT THE AUTHOR Shelly Leeke Law Firm The attorney and staff at Shelly Leeke Law Firm, LLC are dedicated to protecting the rights of accident victims. Our promise is to handle your case with personal attention, zealous advocacy, professionalism, and compassion. Shelly Leeke Law Firm understands that accident can be traumatic, life changing, and emotionally devastating events. We understand that the selection of your personal injury attorney is an important decision, which may have far reaching consequences. S H E L LY M. L E E K E South Carolina attorney, Shelly M. Leeke, has been representing people injured in accidents for nearly a decade. She is the founder of Shelly Leeke Law Firm, LLC. The firm focuses on personal injury law, including automobile accidents, work injuries, wrongful death, dog bite injuries, motorcycle accidents, pedestrian accidents, bicycle accidents, construction injuries, boating accidents, slip and fall accidents, trip and fall accidents, and drunk driving victims. The firm handles accident cases throughout the state of South Carolina, particularly in the low country counties of the state. Shelly has represented clients throughout the state and nationwide. If you, a family member or a friend has been injured by someone else s negligence, contact Shelly Leeke today for a Free, no obligation case consultation at We consistently provide up to date information for accident victims. We believe that knowledge is power and offer free reports and information for South Carolina residents. Shelly Leeke Law Firm North Area Office 103 Laurel Avenue Goose Creek, SC Downtown & Mt. Pleasant 222 W. Coleman Blvd. Mt. Pleasant, SC Phone: Fax: LeekeLaw.com Shelly M. Leeke Attorney at Law

13 November 2009 Low Country Today Local News Legal New Book Helps South Carolina Accident Victims Goose Creek, SC- An attorneyauthor is giving voice to injured people in South Carolina who are in search of fair compensation from their insurance companies after an accident. Personal Injury Attorney Shelly M. Leeke wrote "The South Carolina Accident Book: Avoid the Mistakes That Can Wreck Your Injury Case." The book was written for South Carolina residents, and is meant to be an informative, practical, and easy to read guide for accident victims and motorists. In the book, Leeke addresses various aspects of the insurance claims and litigation processes that are common in personal injury cases, and is being offered free to residents of South Carolina. The book covers important topics such as, "What is a Personal Injury or Accident Case?", "Should I talk to the insurance company about my case?", and "Do I really need an attorney?" The book also discusses in depth the steps to take after an accident, the critical mistakes that can destroy your injury case, medical treatment considerations, why you may not even need an attorney for your case, and the legal process involved in resolving a personal injury claim. The book includes fifteen chapters spanning some 75 pages. "Most of my clients come to me after having been involved in devastating accident. I ve seen many unfortunate situations where an injured accident victim was taken advantage of by the insurance company. Too often, the accident victim has made a serious mistake in their case before they seek the advice of an attorney. Accident victims have questions that need answers immediately. They need useful information available to them, before they hire an attorney or speak with an insurance adjustor." said Leeke. Leeke says that she also wrote the book to provide accident victims with accurate information about insurance claims and the legal process. For instance, the book addresses common myths associated with accident claims and it offers an inside look at tactics used by the insurance companies to devalue accident claims. The book has been published by Word Association Press and is at Amazon.com. As a public service, and for a limited time only, residents in South Carolina will receive a free copy of the book. The Book can be ordered for free at TheSouthCarolinaAccidentBook.com.

14 Shelly M. Leeke, Attorney at Law R E S P E C T E D A U T H O R The South Carolina Accident Book: Avoid the Mistakes That Can Wreck Your Accident Case is intended to help accident victims who have been injured in South Carolina. The book addresses various aspects of the insurance claims and civil litigation processes that are common in personal injury cases. It covers a wide array of accident claims topics such as, What is a Personal Injury or Accident Case?, How Do You Determine the Value of a Personal Injury Case?, and Do you really need an attorney? The book also details how to work with a claims adjustor, medical treatment considerations, and the dif- If You Or a Friend or Family Member Would Like to Receive a FREE Copy of This Book, Simply Complete This Form and Return it To Our Office By Fax to OR Scan and the Form to We will also add them to our newsletter mailing list as a complimentary gift. Name: Address: Address: Request Additional Copies: Please send my friends or family a copy of the book: Name: Address: City: State: Zip: Address: Shelly Leeke Law Firm North Area Office 103 Laurel Avenue Goose Creek, SC Downtown & Mt. Pleasant 222 W. Coleman Blvd. Mt. Pleasant, SC Phone: Fax: LeekeLaw.com Shelly M. Leeke Author

After a Car Accident. Your (Legal) Survival Guidebook to Handling a Property Damage Claim WITHOUT a Lawyer

After a Car Accident. Your (Legal) Survival Guidebook to Handling a Property Damage Claim WITHOUT a Lawyer After a Car Accident Your (Legal) Survival Guidebook to Handling a Property Damage Claim WITHOUT a Lawyer When your vehicle is damaged and it s someone else s fault, you have certain rights under North

More information

Frequently Asked Questions About North Carolina Automobile Accident Related Property Damage Claims

Frequently Asked Questions About North Carolina Automobile Accident Related Property Damage Claims Complimentary Copy Frequently Asked Questions About North Carolina Automobile Accident Related Property Damage Claims By The Law Offices of James Scott Farrin INTRODUCTION This informational booklet has

More information

BUYING CAR INSURANCE IN SOUTH CAROLINA

BUYING CAR INSURANCE IN SOUTH CAROLINA BUYING CAR INSURANCE IN SOUTH CAROLINA Do you think your Auto Policy Protects You and Your Family For the Road Ahead? The Truth May Surprise You. Goose Creek 103 Laurel Ave. Goose Creek, SC 29445 Phone:

More information

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM A LET US EMPOWER YOU This brochure will empower you with the knowledge and tools necessary to complete your own property damage claim. One of the biggest inconveniences

More information

ABOUT YOUR VEHICLE DAMAGE CLAIM

ABOUT YOUR VEHICLE DAMAGE CLAIM ABOUT YOUR VEHICLE DAMAGE CLAIM Section I Introduction When you are injured in an automobile accident and the other driver is at fault, your personal injury claim is handled separate from your vehicle

More information

Car, Truck or Motorcycle Damage in Georgia

Car, Truck or Motorcycle Damage in Georgia Car, Truck or Motorcycle Damage in Georgia How to Start Your Car, Truck or Motorcycle Damage Claim; Your Property Damage Claim We recommend consulting with an attorney before making contact with any insurance

More information

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS A STEP-BY-STEP GUIDE FOR HANDLING A VEHICLE PROPERTY DAMAGE CLAIM WITHOUT HIRING AN ATTORNEY. Not every car wreck results in an injury. In cases where an accident

More information

Buyer Beware. Things To Know About Buying Car Insurance In Washington State. By Christopher M. Davis, Attorney at Law

Buyer Beware. Things To Know About Buying Car Insurance In Washington State. By Christopher M. Davis, Attorney at Law Buyer Beware Things To Know About Buying Car Insurance In Washington State By Christopher M. Davis, Attorney at Law Davis Law Group, P.S. 2101 Fourth Avenue Suite 630 Seattle, WA 98121 206-727-4000 Davis

More information

The Motor Vehicle Accident - Answers to Frequently Asked Questions

The Motor Vehicle Accident - Answers to Frequently Asked Questions The Motor Vehicle Accident - Answers to Frequently Asked Questions The purpose of this article is to educate accident victims to their rights and duties when making their claims, so that the insurance

More information

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise.

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise. If you have been in an automobile accident that is not your fault and your vehicle is damaged, you do have certain rights. If total property damage from the wreck to all damages appears to be over $1,000.00,

More information

Dealing with the Damage to Your Car after an Accident

Dealing with the Damage to Your Car after an Accident Dealing with the Damage to Your Car after an Accident People often have questions and concerns about their car after they have been involved in an accident. If the accident is your fault, then you can

More information

Handling Your Own Property Damage Claim After An Auto Accident in Texas

Handling Your Own Property Damage Claim After An Auto Accident in Texas Handling Your Own Property Damage Claim After An Auto Accident in Texas Table of Contents Handling Your Own Property Damage Claim after an Auto Accident in Texas... 1 Introduction... 3 Chapter 1... 4 Important

More information

Amotor vehicle accident results in two separate and distinct claims the bodily injury

Amotor vehicle accident results in two separate and distinct claims the bodily injury Wayne Howell, PLLC Basic Property Damage Information Amotor vehicle accident results in two separate and distinct claims the bodily injury claim, for which you generally engage an attorney, and the property

More information

After The Wreck: Handling Your Property Damage Claim Without a Lawyer

After The Wreck: Handling Your Property Damage Claim Without a Lawyer After The Wreck: Handling Your Property Damage Claim Without a Lawyer You 've just been in a wreck. You were shaken up, but not hurt. However, your car was damaged and the other driver was at-fault. Is

More information

ZacharLawFirm.com (602) 494-4800 Page 1

ZacharLawFirm.com (602) 494-4800 Page 1 There are countless drivers across the state of Arizona that are uninsured or underinsured. In fact, it is estimated that one (1) out of every five (5) drivers on the road is driving without insurance.

More information

Settling Your Property Damage Claim Without An Attorney

Settling Your Property Damage Claim Without An Attorney Settling Your Property Damage Claim Without An Attorney!! Ty Wilson Attorney At Law 1-866-937-5454 www.tywilsonlaw.com! Special Report Introduction The purpose of this special report is to educate those

More information

WHAT YOU NEED TO KNOW ABOUT YOUR CAR WRECK CASE PAGE 1

WHAT YOU NEED TO KNOW ABOUT YOUR CAR WRECK CASE PAGE 1 WHAT YOU NEED TO KNOW ABOUT YOUR CAR WRECK CASE PAGE 1 GREENVILLE FOUNTAIN INN 330 East Coffee Street 218 South Main Street Greenville, South Carolina 29601 Fountain Inn, South Carolina 29644 (864) 601-9048

More information

Your Quick Reference for Florida Auto Accident Law

Your Quick Reference for Florida Auto Accident Law Call Us Now (813) 269-7421 FREE Consultation Your Quick Reference for Florida Auto Accident Law At the Law Offices of Martin Schwartz, we are here to take care of your legal needs in the aftermath of an

More information

Frequently Asked Questions Auto Insurance

Frequently Asked Questions Auto Insurance STATE OF WISCONSIN Frequently Asked Questions Auto Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-233 (C 03/2015) The Automobile Insurance Policy (page 1) Wisconsin's Financial Responsibility Law

More information

Accident Injury Law. After A Serious. Provided as a public service by: Serving Virginia & West Virginia

Accident Injury Law. After A Serious. Provided as a public service by: Serving Virginia & West Virginia Law Y o u r Rights After A Serious Car Accident Provided as a public service by: Serving Virginia & West Virginia Page 1 INTRODUCTION The purpose of this booklet is to provide basic information to help

More information

Auto insurance basics

Auto insurance basics Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance

More information

Protecting You and Your Family

Protecting You and Your Family Protecting You and Your Family What You Need to Know About Buying Car Insurance in California By Ross A. Jurewitz Injury Accident Attorney, Jurewitz Law Group Jurewitz Law Group 600 B Street Suite 1550

More information

Wayne Howell, PLLC A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE

Wayne Howell, PLLC A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE Wayne Howell, PLLC If A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE you think you have "Full Coverage", you may be at risk without knowing it. "Full Coverage" means different things to different people;

More information

The Michigan Auto Insurance Report

The Michigan Auto Insurance Report The Michigan Auto Insurance Report The Inside Secrets To Buying Auto Insurance" By: Daniel L. Buckfire Michigan s No-Fault Insurance Lawyer Call Toll Free: (800) 606-1717 www.buckfirelaw.com www.freeautoinsurancereport.com

More information

Zinda & Davis, PLLC Attorneys at Law

Zinda & Davis, PLLC Attorneys at Law Zinda & Davis, PLLC Attorneys at Law Zinda & Davis, PLLC Copyright All Rights Reserved Austin Area: *Principal Office* 8834 N. Capital of Texas Highway Suite 304 Austin, Texas 78759 (512) 246-2224 100

More information

Consumer Legal Guide. Your Guide to Automobile Insurance and Accidents

Consumer Legal Guide. Your Guide to Automobile Insurance and Accidents Consumer Legal Guide Your Guide to Automobile Insurance and Accidents WHAT TYPES OF COVERAGES ARE AVAILABLE? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability

More information

Kentucky Consumer Guide

Kentucky Consumer Guide Kentucky Consumer Guide To Buying Car Insurance Attorney-At-Law 859.254.7076 859.281.6541 FAX Page 2 Phone: (859)254-7076 Copyright 2012 by All rights reserved. No part of this report may be reproduced,

More information

RIGHT Lawyers. Stacy Rocheleau, Esq. Gary Thompson, Esq.

RIGHT Lawyers. Stacy Rocheleau, Esq. Gary Thompson, Esq. rightlawyers.com RIGHT Lawyers Right Lawyers has successfully represented numerous clients in the areas of car accidents, work injuries, and slip and falls. The goal of this guide is to provide you answers

More information

STEPS IN A LOUISIANA PERSONAL INJURY LAWSUIT

STEPS IN A LOUISIANA PERSONAL INJURY LAWSUIT STEPS IN A LOUISIANA PERSONAL INJURY LAWSUIT Having at least a basic understanding of the most common steps involved in a typical personal injury case may help empower you as a victim. Broussard & Hart,

More information

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability

More information

2 Click here to contact us about your car accident

2 Click here to contact us about your car accident Please share this report with your friends and family. If someone you know has been in a car accident, they will thank you for sharing this information with them. 2 Click here to contact us about your

More information

made simple Auto Insurance What s included:

made simple Auto Insurance What s included: Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently

More information

Auto Accident Rights & Responsibilities

Auto Accident Rights & Responsibilities For over 100 years people in Connecticut have relied on the law firm now known as. Today, the law firm s Connecticut injury attorneys focus their experience and resources on helping injured people recover

More information

Accident Injuries and Your Car Insurance

Accident Injuries and Your Car Insurance Personal Injury Wrongful Death Slip & Fall Automobile Accidents Trucking Accidents Motorcycle Accidents Medical Malpractice Criminal Defense Accident Injuries and Your Car Insurance Critical Details You

More information

Tough Questions. Questions The Insurance Adjustors Don t Want You To Ask. By Christopher M. Davis, Attorney at Law

Tough Questions. Questions The Insurance Adjustors Don t Want You To Ask. By Christopher M. Davis, Attorney at Law Tough Questions Questions The Insurance Adjustors Don t Want You To Ask By Christopher M. Davis, Attorney at Law Davis Law Group, P.S. 2101 Fourth Avenue Suite 630 Seattle, WA 98121 206-727-4000 Davis

More information

1O SECRETS OF GEORGIA CAR WRECK CLAIMS

1O SECRETS OF GEORGIA CAR WRECK CLAIMS 1O SECRETS OF GEORGIA CAR WRECK CLAIMS 1O SECRETS OF GEORGIA CAR WRECK CLAIMS L. TY WILSON, P.C. TyWilsonLaw.com 770 948 5454 W O R D A S S O C I A T I O N P U B L I S H E R S www.wordassociation.com

More information

Introduction. What is the Lemon Law?

Introduction. What is the Lemon Law? Introduction This guidebook is an introduction to the California Lemon Law. It is not intended to convey legal advice. The goal is to allow you to protect and educate yourself. You should still consult

More information

Ferguson & Ferguson Serious Injury Attorneys. Since 1993. AUTOMOBILE ACCIDENT GUIDE Facts & Myths

Ferguson & Ferguson Serious Injury Attorneys. Since 1993. AUTOMOBILE ACCIDENT GUIDE Facts & Myths Ferguson & Ferguson Serious Injury Attorneys. Since 1993 AUTOMOBILE ACCIDENT GUIDE Facts & Myths AUTO ACCIDENT GUIDE By Randy W. Ferguson Ferguson & Ferguson GOOD START You now have access to information

More information

The Total Loss Survival Guide How To Calculate The Value Of Your Vehicle After A Total Loss

The Total Loss Survival Guide How To Calculate The Value Of Your Vehicle After A Total Loss The Total Loss Survival Guide How To Calculate The Value Of Your Vehicle After A Total Loss TheyWroteOffMyCar.com., 2014 Table of Contents 1. Introduction...3 2. What is a total loss?...3 3. What is "Replace

More information

Understanding the Claims Handling Process

Understanding the Claims Handling Process Understanding the Claims Handling Process About This Brochure This brochure was designed to answer frequently asked questions about the claim handling process. If you have other questions or would like

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance

Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance Provided as an educational service by: Anthony D. Castelli, Esq. Concentration in Auto and Work Related Injuries (513) 621-2345 ATTENTION!!!

More information

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT?

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? This free EBook provides answers to car accident victims most frequently asked questions. This EBook does not provide actual legal advice, as every accident and

More information

Quick Preview PROPERTY DAMAGE

Quick Preview PROPERTY DAMAGE Quick Preview PROPERTY DAMAGE You are you first priority, take care of you first Understand rental insurance, towing and storage costs Figure out what kind of insurance coverage you have Choose a reputable

More information

Consumer Federation of America s

Consumer Federation of America s Consumer Federation of America s Guide to Navigating the Auto Claims Maze: Getting the Settlement You Deserve You ve just be involved in a fender bender with another vehicle. Your car is damaged but drivable.

More information

A Guide to Purchasing Auto Insurance in Washington State

A Guide to Purchasing Auto Insurance in Washington State A Guide to Purchasing Auto Insurance in Washington State What Full Coverage Actually Means By Christopher M. Davis, Attorney at Law Davis Law Group, P.S. 2101 Fourth Avenue Suite 630 Seattle, WA 98121

More information

3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU..

3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU.. 3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU.. BUT READ THIS FIRST (AND CAREFULLY): You may be like many people who are in car accidents who want to try and handle your insurance claim on your own.

More information

THE GLOVE COMPARTMENT COMPANION ACCIDENTS HAPPEN. What Should You Do When They Happen To You? SPONSORED BY THE. Hunt Law Firm

THE GLOVE COMPARTMENT COMPANION ACCIDENTS HAPPEN. What Should You Do When They Happen To You? SPONSORED BY THE. Hunt Law Firm THE GLOVE COMPARTMENT COMPANION ACCIDENTS HAPPEN What Should You Do When They Happen To You? SPONSORED BY THE Hunt Law Firm 337-310-9111 www.huntlawfirm.com KEEP THIS GUIDE IN YOUR GLOVE COMPARTMENT AT

More information

Motorcycle Insurance. made simple

Motorcycle Insurance. made simple Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of

More information

What You NEED to a Car Accident

What You NEED to a Car Accident How recent changes in the law will affect you. Know YOUR Rights. Auto Accident Basics. IN THIS ISSUE Working with an Adjuster: What NOT to sign. Page 3 Medical Expenses: How will my initial medical expenses

More information

AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS

AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS NUTS & BOLTS You ve had an accident. Your vehicle is damaged. Now you are counting on insurance to help pay for the repairs... This brochure answers the most common

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

Table of Contents. 1. What should I do when the other driver s insurance company contacts me?... 1

Table of Contents. 1. What should I do when the other driver s insurance company contacts me?... 1 Table of Contents 1. What should I do when the other driver s insurance company contacts me?... 1 2. Who should be paying my medical bills from a car accident injury?... 2 3. What should I do after the

More information

Presentation Slides. Lesson Nine. Cars and Loans 04/09

Presentation Slides. Lesson Nine. Cars and Loans 04/09 Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions We have endeavored to answer the most frequently asked insurance questions. These are guidelines, generalizations not to be construed as coverage and/or guarantees. When you

More information

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others

More information

lesson nine cars and loans overheads

lesson nine cars and loans overheads lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration

More information

Free initial consultation

Free initial consultation Bankruptcy Attorney & Lawyer Stoughton, MA Free initial consultation The have offered professional legal advice and representation for individuals throughout South Shore, MA and the surrounding areas for

More information

Your Personal Guide To Your Personal Injury Lawsuit

Your Personal Guide To Your Personal Injury Lawsuit Your Personal Guide To Your Personal Injury Lawsuit Know How To Do Things Right When You ve Been Wronged You have questions. And most likely, you have a lot of them. The good news is that this is completely

More information

ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS

ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS By: Jay R. Vaughn, Esq. Schachter, Hendy & Johnson, P.S.C. (859) 578-4444 jvaughn@pschachter.com My practice focuses on personal

More information

16 Steps to Getting a Fair Settlement for Your Injuries

16 Steps to Getting a Fair Settlement for Your Injuries The Petrylaw Personal Injury Reports 16 Steps to Getting a Fair Settlement for Your Injuries 1. Do not talk to anyone except your doctor, attorney or the police officer at the scene. Do not speak with

More information

Understanding your auto claim

Understanding your auto claim Understanding your auto claim Filing a claim Immediately notify the police of an accident that damaged other s property or if you were the victim of a hitand-run accident, uninsured motorist, vandalism

More information

How to Determine the value of a personal injury case

How to Determine the value of a personal injury case How to Determine the value of a personal injury case What is Your Car Accident Case Really Worth? By James Ferrell Ferrell Law Firm 901-754-1340 ph 901-881-6354 fax Ferrell Law Firm Phone: 901-754-1340

More information

AUTO INSURANCE CLAIMS & RIGHTS

AUTO INSURANCE CLAIMS & RIGHTS AUTO INSURANCE CLAIMS & RIGHTS You ve had an accident. Your vehicle is damaged. Now you are counting on insurance... to help pay for the repairs... This brochure answers the most common insurance-related

More information

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem

More information

TOTAL LOSS CLAIMS A responsible driver s guide

TOTAL LOSS CLAIMS A responsible driver s guide PEMCO Claims TOTAL LOSS CLAIMS A responsible driver s guide UNDERSTANDING TOTAL LOSSES When insurance companies use the term total loss, it usually means that costs to repair your vehicle would exceed

More information

Are Injured in a Car Accident

Are Injured in a Car Accident How recent changes in the law will affect you. know your rights. auto accident basics. Being the victim of an auto, motorcycle or truck accident can be a frightening experience. You may find yourself injured

More information

BUSINESS INSURANCE FAQ

BUSINESS INSURANCE FAQ BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to

More information

INSURANCE BASICS (DON T RISK IT)

INSURANCE BASICS (DON T RISK IT) INSURANCE BASICS (DON T RISK IT) WHAT IS INSURANCE? Risk management tool that limits financial loss due to illness, injury or damage in exchange for a premium Shared Risk- Insurance company collects premiums

More information

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

Your Guide to Automobile Insurance and Accidents

Your Guide to Automobile Insurance and Accidents Consumer Legal Guide Your Guide to Automobile Insurance and Accidents ILLINOIS STATE BAR ASSOCIATION ASK A LAWYER WHAT TYPES OF COVERAGES ARE AVAILABLE? Generally, automobile insurance policies provide

More information

WHAT NOW? THINGS YOU NEED TO KNOW FOLLOWING AN ACCIDENT. Provided complimentary by. Marcari, Russotto, Spencer & Balaban FREE CONSULTATIONS

WHAT NOW? THINGS YOU NEED TO KNOW FOLLOWING AN ACCIDENT. Provided complimentary by. Marcari, Russotto, Spencer & Balaban FREE CONSULTATIONS WHAT NOW? THINGS YOU NEED TO KNOW FOLLOWING AN ACCIDENT Provided complimentary by Marcari, Russotto, Spencer & Balaban FREE CONSULTATIONS 24 hours a day, 7 days a week. WE LL COME TO YOU - DAY OR NIGHT

More information

TRANSFERRING ALL OR A PORTION OF YOUR DPS HOUSEHOLD GOODS CLAIM TO THE MILITARY CLAIMS OFFICE (MCO)

TRANSFERRING ALL OR A PORTION OF YOUR DPS HOUSEHOLD GOODS CLAIM TO THE MILITARY CLAIMS OFFICE (MCO) TRANSFERRING ALL OR A PORTION OF YOUR DPS HOUSEHOLD GOODS CLAIM TO THE MILITARY CLAIMS OFFICE (MCO) 1. GENERAL. These instructions are designed to provide specific guidance to DON personnel regarding claims

More information

A T T O R N E Y AT LAW

A T T O R N E Y AT LAW E R I C G R U E T Z N E R, R P.C. A T T O R N E Y AT LAW After an accident there are so many questions and what-ifs that go through our minds, that I have put together a list of some of the most recurring

More information

EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES

EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES E P EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES If you have been involved in a Road Traffic Accident as a driver or passenger we hope

More information

INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE?

INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE? INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE? Medical malpractice is a broad term used to describe a number of different kinds of lawsuits brought against doctors and hospitals.

More information

How To Determine The Value Of A Personal Injury Case

How To Determine The Value Of A Personal Injury Case How To Determine The Value Of A Personal Injury Case What Is Your Car Accident Case Really Worth? By Christopher M. Davis, Attorney at Law 206-727-4000 Phone: 206-727-4000 Fax: 206-727-4001 info@injurytriallawyer.com

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

Your Guide to Understanding Auto Insurance in the Granite State

Your Guide to Understanding Auto Insurance in the Granite State State of New Hampshire Insurance Department Your Guide to Understanding Auto Insurance in the Granite State What You Need to Know! This guide is intended to give New Hampshire consumers basic information

More information

Most headed enough to take notes are seriously injured, it s

Most headed enough to take notes are seriously injured, it s 7 DEADLY SINS TO AVOID IN YOUR ACCIDENT CASE 1. Providing Statements - at the scene of the accident or insurance adjusters soon after. You are under no obligation to make a statement to the police or to

More information

A BRIEF REVIEW OF TEXAS AUTOMOBILE INSURANCE. The Declarations Page

A BRIEF REVIEW OF TEXAS AUTOMOBILE INSURANCE. The Declarations Page THE COMMISSIONERS HOUSE AT HERITAGE SQUARE 2901 BEE CAVE ROAD, BOX L AUSTIN, TEXAS 78746 P. 512.328.9099 F. 512.328.4132 WWW.JKPLAW.COM A BRIEF REVIEW OF TEXAS AUTOMOBILE INSURANCE Automobile liability

More information

Learning How To Be Your Own Best Advocate

Learning How To Be Your Own Best Advocate Learning How To Be Your Own Best Advocate The Impor tance of Medical Evidence in Personal Injur y Claims Managing Your Medical Treatment After An Accident By Chris Davis, Attorney at Law Davis Law Group,

More information

1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies?

1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies? Auto 1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies? Limited Tort and Full Tort refer to different types of coverage under a auto insurance policy and what compensation

More information

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide Consumer Decision Making Contest 2001-2002 Study Guide Auto Insurance (Editor s Note: The terms, auto insurance and car will be used throughout the guide and apply to all types of motor vehicles: cars,

More information

Auto Insurance Consumer s Guide

Auto Insurance Consumer s Guide Auto Insurance Consumer s Guide Virginia Insurance www.vaip.net Prepared by Commonwealth of Virginia State Corporation Commission Bureau of Insurance P.O. Box 1157 Richmond, Virginia 23218 (804) 371-9185

More information

Buying a Used Car. Before You Look For a Used Car, Consider

Buying a Used Car. Before You Look For a Used Car, Consider Buying a Used Car This guide explains your protections under the FTC's Used Car Rule and offers some shopping suggestions, even if you are not buying from a used car dealer. Before you begin looking at

More information

LOUISIANA PERSONAL INJURY ACCIDENT BASICS

LOUISIANA PERSONAL INJURY ACCIDENT BASICS LOUISIANA PERSONAL INJURY ACCIDENT BASICS The Concept of Negligence If you have been injured, only an experienced Louisiana personal injury accident attorney can evaluate the unique facts and circumstances

More information

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center Purchasing a Car Latino Community Credit Union & Latino Community Development Center PURCHASING A CAR Latino Community Credit Union & Latino Community Development Center www.latinoccu.org Copyright 2013

More information

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured?

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the

More information

UNDERSTANDING YOUR AUTO INSURANCE

UNDERSTANDING YOUR AUTO INSURANCE This brochure was prepared by the Washington State Association for Justice (WSAJ) as a guide to help the citizens of Washington State understand their rights. Established in 1953, WSAJ represents attorneys

More information

USED CAR BUYING GUIDE

USED CAR BUYING GUIDE USED CAR BUYING GUIDE The information contained in this Guide is intended to be generic and is not intended to be a comprehensive guide to the laws and requirements of any particular state, country or

More information

New Cars Buying from a Licensed Dealer New Vehicle Warranty Florida s New Car Lemon Law

New Cars Buying from a Licensed Dealer New Vehicle Warranty Florida s New Car Lemon Law Buying a car is one of the most important and most expensive decisions most of us have to make. There is certainly no shortage of vehicles available, but buyers must know what to look for, what to ask

More information

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first

More information

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance. The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov

More information

FURR & HENSHAW. 1900 Oak Street, P.O. Box 2909 Myrtle Beach, SC 29578 Phone: (843) 626-7621. and

FURR & HENSHAW. 1900 Oak Street, P.O. Box 2909 Myrtle Beach, SC 29578 Phone: (843) 626-7621. and FURR & HENSHAW 1900 Oak Street, P.O. Box 2909 Myrtle Beach, SC 29578 Phone: (843) 626-7621 and 1534 Blanding Street Columbia, SC 29201 Phone: (803) 252-4050 YOUR AUTOMOBILE ACCIDENT CASE The purpose of

More information

insurance auto insurance

insurance auto insurance insurance auto insurance our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant

More information