R G. Automobile Accidents & Slips and Falls What You Need to Know. othman ordon

Size: px
Start display at page:

Download "R G. Automobile Accidents & Slips and Falls What You Need to Know. othman ordon"

Transcription

1 R G othman ordon Automobile Accidents & Slips and Falls What You Need to Know Compliments of Richard A. Marhefka, Esquire Rothman Gordon, P.C. 310 Grant Street Third Floor, Grant Building Pittsburgh, PA (412)

2 TABLE OF CONTENTS PAGE Purpose of This Booklet... 2 Accidents... 3 Do I have a case?... 3 What is my case worth?... 3 Do I need a lawyer?... 3 How much will it cost?... 4 When should I call an attorney?... 4 What if I cannot travel to your office?... 4 FAQs in Automobile Accident Cases... 5 Who pays my medical bills?... 5 Who pays my lost wages?... 5 Who will pay for damage to my car?... 5 Who will pay for a rental car?... 6 Who decides fault for the accident?... 6 How much time do I have to make a claim?... 6 What is uninsured motorist coverage?... 6 What is underinsured motorist coverage?... 7 Should I have the full tort or limited tort option on my automobile policy?... 7 Exceptions to the limited tort option... 7 Things you should NEVER do after an auto accident... 8 Automobile accident questionnaire... 9 Slip and Fall Accidents FAQs in Slip and Fall accident cases Who pays my medical bills? Who pays my lost wages Who decides liability for the accident? How much time do I have to make a claim? Things you should NEVER do after a slip and fall accident Get back on your feet Slip and fall accident questionnaire Who Can I Contact for More Information?

3 PURPOSE OF THIS BOOKLET This booklet provides the basic information you should know if you or a loved one are injured in an automobile or slip and fall accident. This booklet initially addresses the questions most people have following an accident and then goes on to answer frequently asked questions specific to automobile and slip and fall accidents. This booklet provides valuable information regarding insurance coverage, tort option, and the time in which you have to bring a claim. Equally important, this booklet provides cautions as to what not to say or do following an automobile or slip and fall accident. While informative, this booklet is not a substitute for the advice and legal guidance of an experienced personal injury attorney. Copyright 2014 Rothman Gordon, P.C. All Rights Reserved 2

4 ACCIDENTS... Accidents are unexpected, unplanned and sometimes life changing events that can disrupt a person s life and the lives of their families. What s left in the aftermath of an accident is stress, uncertainty, and confusion. In an effort to navigate out of the chaos, many injured people seem to have the same initial questions. DO I HAVE A CASE? After the shock of your accident wears off and the reality and stress of your injuries and their effect on your life begin to set in, this may be one of your most pressing questions. There are many factors that go into determining whether you have a case, such as: who was at fault; what evidence is available; and the extent of your injuries, just to name a few. Our attorneys are available to speak with you at no cost about the facts and circumstances of your accident and will let you know if you have a case. WHAT IS MY CASE WORTH? Just as there are many factors that determine whether you have a case, the same holds true for the amount your case is worth. While every accident case is different, factors used to determine the value of a case include, but are not limited to: the nature and extent of your injuries; the treatment you receive; the length of treatment; the existence of any permanent condition; need for future treatment; and the effect of your injury on your employment and activities of daily living. Other considerations include the circumstances of the accident, and whether there are any recoverable medical bills and/or lost wages. DO I NEED A LAWYER? Navigating the law can be intimidating, and this may be even truer for those who have suffered physical and emotional harm due to the negligence of another person. Too often, people injured in an accident try to handle their accident claims and deal with the insurance companies on their own, only to find out too late that they did or said something that hurt their claim. Insurance companies have experienced attorneys and adjusters working for them. Shouldn t you have an experienced 3

5 attorney on your side following an accident? The insurance company may want you to give a recorded statement or try to pressure you into a fast and low settlement. Before you do anything that may jeopardize your claim, you should consult with an personal injury attorney who can apprise you of your legal rights, answer your questions, help you determine potential liability, file any relevant insurance claims, and even institute a lawsuit on your behalf. HOW MUCH WILL IT COST? At Rothman Gordon, the initial consultation and evaluation of your accident case are free. We handle all of our personal injury cases on a contingent fee basis. This means we do not charge any fees unless and until we get a successful settlement or verdict for you. WHEN SHOULD I CALL AN ATTORNEY? As soon as possible! When you call Rothman Gordon, you will speak directly with an experienced personal injury attorney who knows what steps to take to advocate on your behalf. He will apprise you of your legal rights, answer your questions, investigate your claim, and speak to the insurance companies on your behalf. We encourage you to call us for a free evaluation of your accident case. To assist us in evaluating your case, please fill in the appropriate questionnaire (auto accident on page 9 or slip and fall on page 14) prior to calling our office. WHAT IF I CANNOT TRAVEL TO YOUR OFFICE? If you were injured in an accident, you may not be able to make it to our office in Pittsburgh. You may be in a hospital, rehabilitation facility, or just unable to travel. Rothman Gordon serves all of Western Pennsylvania. If you can t make it to us, we ll come to you. 4

6 FREQUENTLY ASKED QUESTIONS IN AUTOMOBILE ACCIDENTS CASES WHO PAYS MY MEDICAL BILLS? One of the most common questions people involved in automobile accidents have is, Who is going to pay my medical bills? Pennsylvania auto accident victims rely on their own auto insurance coverage to pay their medical bills up to the maximum amount selected on their policy. If that is exhausted, your health insurance would pay. Your health insurance might have the right to be repaid for medical bills due to your auto accident if you would get a settlement or recover in court from the at-fault driver s insurance company. This is called subrogation. Medical coverage issues and subrogation following an auto accident can be complicated. That is why it is to your benefit to engage an experienced personal injury lawyer to guide you through this process. WHO PAYS MY LOST WAGES? If you have missed work as a result of an accident, you may be entitled to recover lost wages if your disability is supported by a doctor. In Pennsylvania, work loss coverage is available for purchase on your automobile insurance policy. However, it is not a mandatory benefit. If you have purchased wage loss coverage, your first source for recovery of your lost wages is against your own automobile insurance policy. Your insurance will then pay your lost wages up to the maximum amount you ve selected on your policy. If you have not purchased wage loss coverage or should your wage loss exceed the policy amount, you must then turn to any disability or other wage loss coverage available to you through your employment or that you may have purchased on your own. Lost wages that are not paid or payable by any other source of recovery are made part of your claim against the at-fault driver. WHO WILL PAY FOR DAMAGE TO MY CAR? Again, you should check your automobile insurance policy. If you have purchased collision coverage on your policy, you may submit your property damage claim to your own insurer, regardless of how the accident happened or who was at fault. Your insurer will pay for your 5

7 property damage, less any deductible. You must then make a claim for your deductible from the at-fault driver. In the alternative, you may submit your property damage claim to the insurer for the at-fault driver in your accident. This insurer will pay your claim, in full, only upon a determination that its insured was responsible for the accident. WHO WILL PAY FOR A RENTAL CAR? Payment for a rental car is similar to payment of your property damage claim. First, check to see if you have purchased rental coverage on your own policy. If not, rental coverage may be paid by the other driver s insurer. This will also require the other driver s insurer to accept responsibility for the accident. Keep in mind, there may be a limitation on the amount an insurer will pay for a rental vehicle and the length of time for which you may have a rental car. WHO DECIDES FAULT FOR THE ACCIDENT? Following your accident, the police may be called to the scene of the accident. The responding officer will conduct an investigation, which includes interviewing all drivers involved in the accident and any witnesses to it. The responding officer will also record and document any physical evidence at the accident scene. The insurance companies for the drivers involved in the accident will also conduct an investigation, as will your attorney. Initially, it will be up to the other driver s insurance company to accept or deny fault for the accident. Should your claim be denied by the other driver s insurance company, it may become necessary for you to file a law suit to recover your damages. HOW MUCH TIME DO I HAVE TO MAKE A CLAIM? Pennsylvania has a statute of limitations applicable to all personal injury claims. Generally, you have two years from the date of your accident in which to settle your claim or to file a lawsuit. If you fail to do so, your claim will be forever barred. WHAT IS UNINSURED MOTORIST COVERAGE? Uninsured motorist coverage is an optional coverage on Pennsylvania Motor Vehicle insurance policies. It is coverage to protect and 6

8 compensate you if you are injured by a driver who does not have motor vehicle insurance. WHAT IS UNDERINSURED MOTORIST COVERAGE? Underinsured motorist coverage is another optional coverage. If you have purchased this coverage on your policy, it may provide additional compensation to you for injuries suffered in an accident. Underinsured motorist coverage provides additional compensation to you when the atfault driver does not have sufficient liability coverage to fully compensate you for all of your injuries and damages. SHOULD I HAVE THE FULL TORT OR LIMITED TORT OPTION ON MY AUTOMOBILE POLICY? You should have the full tort option on your automobile insurance policy. A full tort option protects your rights to seek full compensation for any injury you may sustain in a motor vehicle accident. LIMITED TORT EQUALS LIMITED RECOVERY! The limited tort option may prevent you from seeking compensation for pain and suffering after a motor vehicle accident unless you fall within some very specific statutory exceptions which are set forth below. EXCEPTIONS TO THE LIMITED TORT OPTION There are several exceptions to the limited tort option that would allow you to pursue a claim for compensation for your non-economic damages. You will be granted full tort rights if the at-fault driver was operating a vehicle registered in another state at the time of your accident. Secondly, you will be granted full tort rights if the at-fault driver pleads guilty to or is convicted of driving under the influence. Thirdly, full tort rights are granted if you are injured while a passenger in a commercial vehicle. Lastly, you are granted full tort rights if your injuries meet the definition of a serious injury under Pennsylvania law. Serious injury means death, permanent serious disfigurement or serious impairment of a bodily function. 7

9 THINGS YOU SHOULD NEVER DO AFTER AN AUTO ACCIDENT NEVER DISCUSS THE FACTS OF YOUR ACCIDENT WITH ANYONE. A police officer may ask you what happened; just state the facts. Do not otherwise discuss the facts of the accident with anyone else. What you say could be used against you. NEVER DISCUSS THE EXTENT OF YOUR INJURIES WITH ANYONE. Without a proper diagnosis by a medical professional, you have no idea how badly you are injured. Sometimes injuries or conditions don t appear until hours, days, or even weeks later. For these reasons, do not discuss your injuries or condition with anyone. NEVER PUT ANYTHING ABOUT YOUR ACCIDENT ON SOCIAL MEDIA. This is the first place insurance companies will look to obtain information to discredit your case. DO NOT SPEAK WITH OR GIVE A RECORDED STATEMENT TO AN INSURANCE ADJUSTER WITHOUT YOUR ATTORNEY PRESENT. Insurance adjusters want to close your claim quickly and for as little money as possible. Their goal is to settle your case for nothing today. Statements you make to insurance adjusters may assist them in achieving that goal. DO NOT SIGN ANYTHING WITHOUT YOUR ATTORNEY PRESENT. You may receive releases, waivers, or other documents to sign. Signing these documents could mean losing your right to make a recovery in your case. 8

10 AUTOMOBILE ACCIDENT QUESTIONNAIRE If you were involved in an automobile accident, please have as much of the following information as possible when you call: Date of the accident? Location of the accident? What were the weather/road conditions at the time of the accident? Were you hurt on the job? Position in the vehicle (driver, passenger, etc.)? Were you wearing a seatbelt? Who owns the vehicle you were in? Do you have insurance? What are your coverage limits? Declarations page (full or limited tort)? Did the police respond? 9

11 Is there a police report? Were citations issued or arrests made? Were you injured? List all injuries. Did you go to the hospital? Other medical treatment you received? Are you still treating? Did you miss time from work? How much? Name, address and insurance information of at-fault driver? 10

12 SLIP AND FALL ACCIDENTS Slip and fall accidents can cause serious injuries whether they are triggered by slippery surfaces, defective construction, or other unsafe circumstances. Slip and fall accidents are frustrating because they can happen anywhere. They can occur in the homes of family or friends, in shopping centers or grocery stores, or places of employment. Too few slip and fall injury victims see their doctors following accidents or speak to an attorney. Sometimes, victims may feel embarrassed about a fall or think that the accident was their fault. Many of these accidents go unreported, even though they aren t always the victim s fault. Some of the most common causes of slip and fall injuries include: snow and ice; obstructions in walkways; unmarked changes in elevation; bad lighting; floors that are slippery from being recently cleaned or waxed; and broken steps or platforms. The lawyers at Rothman Gordon know that most falls are preventable. That s why we re here to hold negligent property managers and owners accountable. If you ve been injured on someone else s property due to an owner s carelessness, the lawyers at Rothman Gordon are here to get you the help that you need. FREQUENTLY ASKED QUESTIONS IN SLIP AND FALL ACCIDENT CASES WHO PAYS MY MEDICAL BILLS? Slip and fall victims may need to rely on their own personal health insurance to pay their medical bills or they may have to pay for them out of their own pocket and wait to be reimbursed out of a settlement with the responsible property owner. If your medical bills have been submitted to and paid by your health insurance, there could be an obligation to repay them if you would get a settlement or recover in court. This is called subrogation. Medical coverage issues and subrogation following a slip and fall accident can be complicated. That is why it is to your benefit to engage an experienced personal injury lawyer to guide you through this process. 11

13 WHO PAYS MY LOST WAGES? If you have missed work as a result of a slip and fall accident, you may be entitled to recover lost wages if your disability is supported by a doctor. You must first look to any disability or wage loss coverage available to you through your employment or that you may have purchased on your own. Lost wages that are not paid or payable by any other source of recovery are made part of your claim against the responsible property owner. WHO DECIDES LIABILITY FOR THE ACCIDENT? Following your slip and fall accident, the insurance company for the property owner will conduct an investigation, as will your attorney. Initially, it will be up to the property owner s insurance company to accept or deny liability for the accident. Should your claim be denied by the property owner s insurance company, it may become necessary for you to file a law suit to recover your damages. HOW MUCH TIME DO I HAVE TO MAKE A CLAIM? Pennsylvania has a statute of limitations applicable to all personal injury claims. Generally, you have two years from the date of your accident in which to settle your claim or to file a lawsuit. If you fail to do so, your claim will be forever barred. THINGS YOU SHOULD NEVER DO AFTER A SLIP AND FALL ACCIDENT NEVER DISCUSS THE FACTS OF YOUR ACCIDENT WITH ANYONE. Do not discuss the facts of your slip and fall with anyone. What you say could be used against you. NEVER DISCUSS THE EXTENT OF YOUR INJURIES WITH ANYONE. Without proper medical diagnosis, you have no idea how badly you are injured. Sometimes some injuries or conditions don t appear until hours, days, or even weeks later. For these reasons, do not discuss the extent of your injuries with anyone. 12

14 NEVER PUT ANYTHING ABOUT YOUR ACCIDENT ON SOCIAL MEDIA. This is the first place insurance companies will look to obtain information to discredit your case. DO NOT SPEAK WITH OR GIVE A RECORDED STATEMENT TO AN INSURANCE ADJUSTER WITHOUT YOUR ATTORNEY PRESENT. Insurance adjusters want to close your claim quickly and for as little money as possible. Their goal is to settle your case for nothing today. Statements you make to insurance adjusters may assist them in achieving that goal. DO NOT SIGN ANYTHING WITHOUT YOUR ATTORNEY PRESENT. You may receive releases, waivers, or other documents to sign. Signing these documents could mean losing your right to make a recovery in your case. GET BACK ON YOUR FEET The attorneys at Rothman Gordon want to help you get back on your feet and back the life you had before your fall. We know how devastating a slip and fall accident can be. We know the potential hazards that may have lead to your fall and we know how to prove who is responsible and to get you the compensation you deserve to cover your medical expenses, lost wages. and pain and suffering. 13

15 SLIP AND FALL ACCIDENT QUESTIONNAIRE If you were involved in a slip and fall accident, please have as much of the following information as possible when you call: Date of the fall? Location of the fall? Why you were at the location where you fell? Were you hurt while at work? The owner of the property where you fell? Were you were carrying anything at the time of the fall? What caused you to fall (snow/ice, wet floor, uneven pavement, etc.)? If you had looked at the condition/hazard, could you have avoided it? _ Were there any warning or caution signs? 14

16 Do you know what/who caused the condition or hazard to exist? Were there any witnesses to your fall? Did you report the fall to anyone? Specifically describe how you fell Were you injured? List all injuries. Did you go to the hospital? Other medical treatment you received? Are you still treating? Did you miss time from work? How much? 15

17 WHO CAN I CONTACT FOR MORE INFORMATION? If you, a loved one, a co-worker, or a friend have been injured in an automobile accident or slip and fall, seek immediate treatment for your injuries and then call us. Richard A. Marhefka is available to speak with you at no cost to apprise you of your legal rights, answer any questions you might have and provide you with experienced legal guidance to help you determine if you have a personal injury case. Please contact him at: Richard A. Marhefka, Esquire (412) If your injury occurred in the workplace, you may wish to consult our companion publication, Workers Compensation Accident Handbook, or contact: Shelley W. Elovitz, Esquire (412) If you are unable to work due to an injury, you may be eligible for Social Security Disability. Please contact our office at (412) or for a free screening. Rothman Gordon, P.C. 310 Grant Street Third Floor, Grant Building Pittsburgh, PA

18 Rothman Gordon has created a suite of services for individuals and closely-held businesses. Our areas of practice include: Business and Corporate Law Closely-held & Family Business Commercial & Business Litigation Class actions Employment Litigation Labor & Employment Estate Planning & Administration Taxation and Employee Benefits Creditors Rights Commercial Real Estate Oil & Gas for Landowners Landlord/Tenant Commercial Leasing Workers Compensation Social Security Disability Personal Injury Serving Western Pennsylvania since 1954

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

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

NEW YORK STATE BAR ASSOCIATION. LEGALEase. If You Have An Auto Accident SAMPLE

NEW YORK STATE BAR ASSOCIATION. LEGALEase. If You Have An Auto Accident SAMPLE NEW YORK STATE BAR ASSOCIATION LEGALEase If You Have An Auto Accident If You Have An Auto Accident What should you do if you re involved in an automobile accident in New York? STOP! By law, you are required

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

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

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

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

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

Motor Vehicle Accident Guide

Motor Vehicle Accident Guide Motor Vehicle Accident Guide 9454 Wilshire Boulevard Penthouse Beverly Hills, California 90212 t 888-987-1818 f 888-266-5502 info@etehadlaw.com www.etehadlaw.com Table of Contents Cover Page i Table of

More information

Is What You Know About Injury Claims Accurate?

Is What You Know About Injury Claims Accurate? Is What You Know About Injury Claims Accurate? Presented by: Attorney Mark L. Krueger www.kh-law.net IS WHAT YOU KNOW ABOUT INJURY CLAIMS ACCURATE? Misconception No. 1 I have no claim if the responsible

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

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

Auto accidents can cause thousands or even millions of dollars in losses due to medical expenditures, an inability to work, a reduction in future

Auto accidents can cause thousands or even millions of dollars in losses due to medical expenditures, an inability to work, a reduction in future TEXAS AUTO ACCIDENTS Auto accidents can cause thousands or even millions of dollars in losses due to medical expenditures, an inability to work, a reduction in future earnings, or the untimely death of

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

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

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

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

SUMMARY OF PENNSYLVANIA AUTO INSURANCE LAW

SUMMARY OF PENNSYLVANIA AUTO INSURANCE LAW SUMMARY OF PENNSYLVANIA AUTO INSURANCE LAW The laws relating to automobile insurance coverage are compiled in 75 Pa.C.S.A. 1701 et seq., known as the Act 6 Amendments to the PA Motor Vehicle Financial

More information

Motor Vehicle Accident Claims: What are your rights?

Motor Vehicle Accident Claims: What are your rights? Motor Vehicle Accident Claims: What are your rights? If you or a loved one has been seriously injured in a motor vehicle accident, there are a number of critical decisions that must be made. Who will care

More information

AUTOMOBILE INSURANCE: THE MINNESOTA NO-FAULT AUTOMOBILE INSURANCE LAW

AUTOMOBILE INSURANCE: THE MINNESOTA NO-FAULT AUTOMOBILE INSURANCE LAW This document is made available electronically by the Minnesota Legislative Reference Library as part of an ongoing digital archiving project. http://www.leg.state.mn.us/lrl/lrl.asp.~l' ''''d:.,j i.;'~\;

More information

Your Roadmap to Maximize Your Settlement!!!

Your Roadmap to Maximize Your Settlement!!! Your Roadmap to Maximize Your Settlement!!! Helpful tips to get the most money for your injuries. The Advocates Driggs, Bills and Day PC (801) 355 5550 www.utahadvocates.com 1 Table of Contents: Introduction:

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

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

The A-B-C s of Motor Vehicle Collisions and Personal Injury Claims In Minnesota

The A-B-C s of Motor Vehicle Collisions and Personal Injury Claims In Minnesota The A-B-C s of Motor Vehicle Collisions and Personal Injury Claims In Minnesota Douglas E. Schmidt Accident Attorney 13911 Ridgedale Drive Suite 110 Minnetonka, MN 55305 952.473.4530 Fax: 952.544.1308

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies

More information

THE TOP 10 QUESTIONS YOU SHOULD ASK YOUR CAR ACCIDENT LAWYER

THE TOP 10 QUESTIONS YOU SHOULD ASK YOUR CAR ACCIDENT LAWYER THE TOP 10 QUESTIONS YOU SHOULD ASK YOUR CAR ACCIDENT LAWYER? Introduction After six straight years of decline, the National Highway Traffic Administration (NHTSA) reports that auto accidents, injuries

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

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal

More information

NEW JERSEY AUTO SUPPLEMENT

NEW JERSEY AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: NEW JERSEY AUTO SUPPLEMENT NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance

More information

WHERE TO GET MORE INFORMATION AND HELP

WHERE TO GET MORE INFORMATION AND HELP WHERE TO GET MORE INFORMATION AND HELP This Buyer's Guide is intended to provide general information to help you make coverage choices. It is not a substitute for the policy language, which governs. Additional

More information

Table of Contents. A Message From Attorney Edgar Snyder 1. In a Snapshot: Pennsylvania s Automobile 3 Insurance Coverage

Table of Contents. A Message From Attorney Edgar Snyder 1. In a Snapshot: Pennsylvania s Automobile 3 Insurance Coverage pg. 1 Table of Contents A Message From Attorney Edgar Snyder 1 In a Snapshot: Pennsylvania s Automobile 3 Insurance Coverage PA Insurance Quick Reference Chart 5 Why We Recommend What We Do 7 Limited Tort

More information

Motorcyclists and the Michigan No-Fault Law

Motorcyclists and the Michigan No-Fault Law Motorcyclists and the Michigan No-Fault Law (2nd Edition) Important Questions and Answers By George T. Sinas SINAS, DRAMIS, BRAKE, BOUGHTON & MCINTYRE, P.C. ATTORNEYS AT LAW 3380 Pine Tree Road, Lansing,

More information

Prepared by: Barton L. Slavin, Esq. 212-233-1010 Web site: www.nycattorneys.com

Prepared by: Barton L. Slavin, Esq. 212-233-1010 Web site: www.nycattorneys.com Prepared by: Barton L. Slavin, Esq. 1. Identify Insurance Company - On the Police Report there is a three digit code that identifies the insurance company for a vehicle. The following link will take you

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

SUBROGATION THE RIGHT OF YOUR HEALTH INSURER TO BE

SUBROGATION THE RIGHT OF YOUR HEALTH INSURER TO BE SUBROGATION THE RIGHT OF YOUR HEALTH INSURER TO BE PAID BACK WHEN YOUR CASE SETTLES Subrogation: the legal right of an insurance company to be paid back for benefits paid on your behalf after your accident.

More information

MICHIGAN NO-FAULT LAW

MICHIGAN NO-FAULT LAW MICHIGAN NO-FAULT LAW Your Questions Answered HALPERT, WESTON, WUORI & SAWUSCH, P.C. TRIAL ATTORNEYS 2010 1-800-400-9115 www.leadersinlaw.com Are you all right? While this may be the most important question

More information

COMMERCIAL PPA EDITION

COMMERCIAL PPA EDITION NEW JERSEY AUTO INSURANCE BUYER S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger Automobiles Written on Commercial Insurance Policies WHAT S INSIDE WHERE DO I START?...PAGE 2 UNDERSTANDING

More information

New York Car Accident Lawyers

New York Car Accident Lawyers New York Car Accident Lawyers What you need to know when you are hurt in a car accident An ebook by Stuart DiMartini, Esq. 1325 Sixth Avenue, 27 th Floor New York, NY 10019 212-5181532 dimartinilaw.com

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

What you should know

What you should know What you should know when you have been injured in a motor vehicle accident This booklet provides information about insurance benefits and other compensation that may be available to you when you have

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12 NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* 000001/00000 S1347I03 7668 07/23/12 PL-50074 (03-12) Page 1 of 9 WHAT S INSIDE WHERE DO I START?... UNDERSTANDING YOUR POLICY... Types of Coverage

More information

No-Fault Automobile Insurance

No-Fault Automobile Insurance No-Fault Automobile Insurance By Margaret C. Jasper, Esq. Prior to the enactment of state no-fault insurance legislation, recovery for personal injuries sustained in an automobile accident were subject

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

The Ultimate Michigan Car Accident Handbook A Practical Guide to Understanding Your Legal Rights!

The Ultimate Michigan Car Accident Handbook A Practical Guide to Understanding Your Legal Rights! The Ultimate Michigan Car Accident Handbook A Practical Guide to Understanding Your Legal Rights! The Ultimate Michigan Car Accident Handbook A Practical Guide to Understanding Your Legal Rights! Lawrence

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

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE NEW JERSEY AUTO INSURANCE, BUYER S GUIDE BG-NJ (1/14) WHAT'S INSIDE WHEREDOISTART?...1 UNDERSTANDING YOUR POLICY...2 Types of Coverages Standard and Basic Policies What are Limits and Deductibles? UNDERSTANDING

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Jon S. Corzine Governor. Steven M. Goldman Commissioner

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Jon S. Corzine Governor. Steven M. Goldman Commissioner NEW JERSEY AUTO INSURANCE BUYER S GUIDE Jon S. Corzine Governor Steven M. Goldman Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies What

More information

Commonly Used Terms in Auto Accident Cases

Commonly Used Terms in Auto Accident Cases Commonly Used Terms in Auto Accident Cases 117 South Willow Avenue Tampa, Florida 33606 Toll Free: 877-444-2929 Phone: 813-223-2929 Fax: 813-251-6853 Definitions are specific as to Florida Law. Other state

More information

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE SUPPLEMENTARY AUTOMOBILE APPLICATION - PENNSYLVANIA (To be completed by the Named Insured or Applicant) Name abc Policy Number (If Not New Business) Address PENNSYLVANIA NOTICE IMPORTANT NOTICE Insurance

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

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

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

FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE.

FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE. FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE. Keep reading to learn What are your chances of having an accident in Kentucky with

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

NEW JERSEY AUTO INSURANCE BUYER S GUIDE

NEW JERSEY AUTO INSURANCE BUYER S GUIDE NEW JERSEY AUTO INSURANCE BUYER S GUIDE AD9460ARR-0704 American Bankers Insurance Company of Florida American Bankers Insurance Company of Florida 11222 Quail Roost Drive, Miami, FL 33157-6596 NEW JERSEY

More information

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family

More information

Automobile Insurance Guide

Automobile Insurance Guide Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies

More information

AUTOMOBILE INSURANCE COVERAGE FOR NS HOPA SUBSCRIBING MEMBERS

AUTOMOBILE INSURANCE COVERAGE FOR NS HOPA SUBSCRIBING MEMBERS Risk Management Bulletin for Subscribing Members January 2014 AUTOMOBILE INSURANCE COVERAGE FOR SUBSCRIBING MEMBERS Insurance coverage provided by and Aviva to Subscribing Members includes automobile liability

More information

Michigan No-Fault Law. Your Questions Answered

Michigan No-Fault Law. Your Questions Answered Michigan No-Fault Law Your Questions Answered Are you all right? While this may be the most important question you will hear after an accident, it will not be the last. In fact, you may be the one asking

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

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

MOTOR VEHICLE ACCIDENTS

MOTOR VEHICLE ACCIDENTS C H 15 R A P T E C R H A P T E MOTOR VEHICLE ACCIDENTS INTRODUCTION... 592 The Road Accident Fund (RAF)... 592 Claims for physical injuries to people... 592 Claims for damage to vehicles or goods... 592

More information

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the Changing Tort Reform In Kentucky Christel Siglock By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the number of lawsuits filed, 2) Thus reducing insurance company payouts

More information

NEW JERSEY AUTO INSURANCE

NEW JERSEY AUTO INSURANCE NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Richard J. Badolato Acting Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market

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

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

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

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

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

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

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn

More information

The Ultimate Guide to Winning Your Personal Injury Case Table of Contents

The Ultimate Guide to Winning Your Personal Injury Case Table of Contents Table of Contents Introduction 3 Why Not Settle With the Insurance Companies 4 What to do First 7 Hiring a Personal Injury Lawyer 11 How Much is My Claim Worth? 14 What if I have a Pre-Existing Condition?

More information

Your Guide to Auto Insurance Premiums

Your Guide to Auto Insurance Premiums INSURANCE FACTS for Pennsylvania Consumers Your Guide to Auto Insurance Premiums 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.state.pa.us Pennsylvnaia Insurance Department Website Required

More information

New Jersey AUTO INSURANCE

New Jersey AUTO INSURANCE New Jersey AUTO INSURANCE Buyer s Guide Chris Christie Governor Kim Guadagno Lt. Governor Ken Kobylowski Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market through

More information

WHAT IS INSURANCE? INSURANCE IS RECOVERY

WHAT IS INSURANCE? INSURANCE IS RECOVERY TEACHER S NOTES Purpose: to explore the effect of a car accident on a person s life to recognize the role of insurance as an essential emergency tool for replacement, repair and rehabilitation to explore

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

Irvine Police Victim Advocate s Office 949-724-7274

Irvine Police Victim Advocate s Office 949-724-7274 Irvine Police Victim Advocate s Office 9497247274 View this Resource Guide online at www.cityofirvine.org/pd/info_center/victim_service.asp 1 Irvine Police Victim Advocate s Office 9497247274 1 Irvine

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

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

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

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

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

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

Where to Begin 1. What You Need to Know Once You ve Been Injured 2. The People Playing a Role in Your Recovery 5

Where to Begin 1. What You Need to Know Once You ve Been Injured 2. The People Playing a Role in Your Recovery 5 Where to Begin 1 Contents What You Need to Know Once You ve Been Injured 2 The People Playing a Role in Your Recovery 5 Why You Need a Personal Injury Lawyer 8 Frequently Asked Questions 11 Recovery Diary

More information

BUYING. Florida AUTO INSURANCE SECOND EDITION

BUYING. Florida AUTO INSURANCE SECOND EDITION BUYING Florida AUTO INSURANCE SECOND EDITION BUYING Florida AUTO INSURANCE SECOND EDITION A 3-Step Approach to Purchasing Adequate Auto Insurance at Competitive Pricing Florida Accident Attorney Jeffrey

More information

The complete legal solution for injury and insurance claims

The complete legal solution for injury and insurance claims The complete legal solution for injury and insurance claims Let THE HIMELFARB PROSZANSKI LLP Advantage guide you on your road to recovery. Mr. Himelfarb is head of the Litigation practice at the firm.

More information

a consumers guide to No-Fault Automobile Insurance in Michigan

a consumers guide to No-Fault Automobile Insurance in Michigan a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured

More information

COMPENSATION IN A TENNESSEE PERSONAL INJURY LAWSUIT

COMPENSATION IN A TENNESSEE PERSONAL INJURY LAWSUIT COMPENSATION IN A TENNESSEE PERSONAL INJURY LAWSUIT If You Have Been Injured in a Personal Injury Accident and Someone Else s Negligence Caused, or Contributed to, the Accident, You May Be Entitled to

More information

New Jersey Car Insurance Checklist

New Jersey Car Insurance Checklist New Jersey Car Insurance Checklist What You Need To Check To Be Sure You Are Protected! Why You Should Opt For: Motor Vehicle Medical Coverage (PIP) No Limitation on Lawsuit Liability Coverage AND Uninsured

More information

TOUGH QUESTIONS: Questions the Insurance Adjustors Don t Want You to Ask

TOUGH QUESTIONS: Questions the Insurance Adjustors Don t Want You to Ask : Questions the Insurance Adjustors Don t Want You to Ask BY EDDIE E. FARAH & CHARLIE E. FARAH, ATTORNEYS AT LAW ...the average total payout on claims that have an attorney is 3-1/2 times greater than

More information

Your Guide to Recovery

Your Guide to Recovery Your Guide to Recovery PERSONAL INJURY LAWYERS Committed to Your Future We will: Ensure all necessary notices are provided to maintain your claim and commence the action within the limitation period. Work

More information

WORKERS' COMPENSATION SUBROGATION AND THIRD-PARTY CLAIMS

WORKERS' COMPENSATION SUBROGATION AND THIRD-PARTY CLAIMS WORKERS' COMPENSATION SUBROGATION AND THIRD-PARTY CLAIMS I. INTRODUCTION BY RICHARD M. JUREWICZ, ESQUIRE GALFAND BERGER, LLP 1835 Market Street, Suite 2710 Philadelphia, PA 19103 1-800-222-8792 (ext. 829)

More information

OFFICE OF INSURANCE AND SAFETY FIRE COMMISSIONER

OFFICE OF INSURANCE AND SAFETY FIRE COMMISSIONER OFFICE OF COMMISSIONER OF INSURANCE SAFETY FIRE COMMISSIONER INDUSTRIAL LOAN COMMISSIONER COMPTROLLER GENERAL DIRECTIVE 08-P&C-1 SEVENTH FLOOR, WEST TOWER FLOYD BUILDING 2 MARTIN LUTHER KING JR. DRIVE

More information

What you need to know about your legal rights

What you need to know about your legal rights TR_Motorcycle_Kit_06-025 KitText.qxd 13-03-13 10:15 AM Page 1 InformatIon KIt for MOTORCYCLISTS Effective: November 1, 2012 What you need to know about your legal rights Personal Injury Litigators since

More information

APPLYING FOR AUTO INSURANCE. What do I need to know to fill out an automobile insurance application?

APPLYING FOR AUTO INSURANCE. What do I need to know to fill out an automobile insurance application? APPLYING FOR AUTO INSURANCE What do I need to know to fill out an automobile insurance application? Here is some of the information you ll need to provide on an automobile insurance application: 1. Vehicle

More information

A CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1. Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A.

A CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1. Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A. A CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1 Introduction Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A. 2011 We represent many clients who have been involved in car accidents,

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