1 T H E S TAT E B A R O F C A L I F O R N I A WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S O F L I F E
2 What should I do if I have an 1 a u t o a c c i d e n t? 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 5 What information should I gather at the accident scene? If I think the accident was my fault, should I say so? 6 What if I get a ticket? 7 Do I need auto insurance? 8 Should I get a physical checkup after the accident? 9 Do I have to report the accident? 10 Who pays if I m injured or my car is damaged? 11 What should I do if the other driver does not have insurance? 12 What if someone sues me? 13 What if I want to make a claim for my injuries? 14 How can I find a lawyer to represent me? 1979, 1981, 1986, 1993, 2000, 2003, 2007, 2010 The State Bar of California. No part of this work may be reproduced, stored in a retrieval system, or transmitted in any medium, without prior written permission. The Insurance Law Committee of the State Bar s Business Law Section assisted in the revision of this pamphlet.
3 1 If I have an auto accident, do I have to stop? Yes. California law says you must stop whether the accident involves a pedestrian, a moving car, a parked car or someone s property. If you drive away, you can be charged with hit and run even if the accident was not your fault. You must also exchange information with the other driver your name and driver s license number, the vehicle identification number of the car you are driving, the name and address of the car s owner, the name and address of your insurance company and your insurance policy number (or other evidence of financial responsibility, such as a bond posted with the Department of Motor Vehicles). Hit-and-run penalties are severe. Depending on the damage or injuries, you may be fined, sent to jail or both. You also could lose your driver s license. If you hit a parked car or other property, try to find the owner or driver. If you cannot, the law says you may drive away only after you leave behind, in a conspicuous place, your name, address and an explanation of the accident, and the name and address of your car s owner (if other than yourself). You also must notify the local police or California Highway Patrol (CHP) either by telephone or in person as soon as possible. You must call the police or the CHP if the accident caused a death or injury. An officer who comes to the scene of the accident will conduct an investigation. If an officer doesn t show up, you must make a written report on a form available at the police department or CHP office as soon as possible. 2 What should I do if someone is injured? The law requires you to give reasonable assistance to anyone who is injured. For example, you may need to call an ambulance, take the injured person to a doctor or hospital, or give 1
4 first aid if you know how. If you are not trained in the appropriate first aid procedures, do not move someone who is badly hurt; you might make the injury worse. However, you should move someone who is in danger of being hurt worse or killed (for example, in a car fire) even if you do make the injury worse. To help prevent additional collisions, try to warn other motorists that an accident has occurred. Placing flares on the road (only if there are no flammable fluids or items nearby), turning on your car s hazard lights and lifting the engine hood are usually good ways to warn others on the road. Arrange to get help for anyone who is injured, and try not to panic. 3 How can I get help? As soon as you can get to a telephone, call 911. Explain the situation and give the exact location of the accident, so that help can arrive quickly. Be sure to mention whether you need an ambulance or a fire engine. Remain on the telephone until the operator tells you it is okay to hang up. Or, flag down a passing car and ask the driver to go for help. The driver may have a cell phone in the car and be able to make an emergency call on the spot. 4 What information should I gather at the accident scene? Since many records now are confidential under the law, you may not be able to obtain the information that you want from the Department of Motor Vehicles (DMV). So be sure to get as much correct and complete information as you can at the scene of the accident. You and the other driver should show each other your driver s licenses and vehicle registrations. Then you should write down: The other driver s name, address, date of birth, telephone number, driver s license number 2
5 and expiration date, and insurance company. The other car s make, year, model, license plate number and expiration date, and vehicle identification number. The names, addresses, telephone numbers and insurance companies of the other car s legal and registered owners if the driver does not own the car. The names, addresses, dates of birth, driver s license numbers and telephone numbers of any passengers in the other car. The names, addresses and telephone numbers of any witnesses to the accident. Ask them to stay to talk to the CHP or police. If they insist on leaving, ask them to tell you what they saw and write everything down. Try to identify people at the accident scene, even if they will not give their names. For example, if someone who saw the accident drives off, take down his or her license plate number. Law enforcement officials can trace the owner s name and address. The name and badge number of the law officer who comes to the accident scene. Ask the officer where and when you can get a copy of any accident report. A simple diagram of the accident. Draw the positions of both cars before, during and after the accident. If there are skid marks on the road, pace them off. Draw them on the diagram, noting the distance they cover. Mark the positions of any crosswalks, stop signs, traffic lights or streetlights. If you have a camera with you, take pictures of the scene, and of the other drivers and occupants. However, do not place yourself in a position of danger in order to complete an accident diagram. Be aware of traffic conditions 3
6 and skip any measurements that could place you in a position of harm. Make notes, too, on weather and road conditions. If the accident happened after dark, note whether the streetlights were on. Estimate your speed and that of the other vehicle. Be sure to record the exact time, date and place the accident happened. For a checklist of how to help prevent and handle car accidents, see pages 11 and If I think the accident was my fault, should I say so? Do not volunteer any information about who was to blame for the accident. You may think you are in the wrong and then learn that the other driver is as much or more to blame than you are. You should first talk to your insurance agent, your lawyer or both. Anything you say to the police or the other driver can be used against you later. Do not agree to pay for damages or sign any paper except a traffic ticket (see #6) until you check with your insurance company or lawyer. However, be sure to cooperate with the police officer investigating the case. But stick to the facts. For instance, if you were driving 30 miles an hour, say so. Do not say, I wasn t speeding. 6 What if I get a ticket? Sign it. A ticket has nothing to do with your guilt or innocence. When you sign, you are only promising to appear in court to contest the ticket, or to pay it later if you wish. If you do not sign the ticket, the police officer can arrest you. While it is okay to sign the ticket, you may want to talk with your lawyer before you pay a fine or plead guilty to the charges. Find out if you can attend traffic school instead. If you plead guilty, you may hurt your chances of collecting damages from the other driver later. Or, you may help the other driver to collect damages from you. 4
7 Drunk driving. Driving with a blood alcohol level of 0.08 percent or higher (or any percent if you are under 21) is illegal, and the penalties for drunk driving in California are severe. Seat belts/child passenger restraints. You can be pulled over and ticketed by the police if you or your passengers are not wearing seat belts. In addition, children must be protected by a special safety seat until they turn 6 or weigh at least 60 pounds. Children who are required to be in safety seats also must sit in a back seat under most circumstances. (There are exceptions for, among other circumstances, when a vehicle does not have a back seat or when all rear seats are already occupied by children under 12.) And youngsters are not permitted to ride in the front seat of a vehicle with an active air bag if they are under a year old, weigh less than 20 pounds or are restrained in a rear-facing car seat. 7 Do I need auto insurance? California s compulsory financial responsibility law requires that every driver and vehicle owner have insurance or other proof of financial responsibility. You must carry written evidence of financial responsibility whenever you drive. For most of us, that means evidence of an automobile insurance policy. Often, that evidence takes the form of an insurance card issued by your insurer. However, if the name of the insurer and the policy number are contained in the DMV s vehicle registration records, you may simply write your automobile insurance policy number and the name of the insurer on the back of your vehicle registration. If you don t have this evidence to show to a police officer after a citation stop or an accident, you may have to pay a fine and a court may impound your vehicle. If you have an accident and can t show proof of financial responsibility, you may also lose your driver s license for up to four years. 5
8 The law says that you can prove your financial responsibility in one of these ways: Insurance. For most drivers, you must have liability insurance that provides at least $5,000 coverage for property damage for one accident, $15,000 for one person injured or killed in an accident, and $30,000 for two or more people injured or killed. Low-income drivers in certain counties may qualify for state-sponsored, low-cost liability insurance that has lower coverage amounts. Cash. You can deposit $35,000 in cash with the DMV. Bond. The DMV also will accept a bond for $35,000, issued by a California-licensed surety bonding company. A DMV-issued certificate of self-insurance. 8 Should I get a physical checkup after the accident? A checkup may be a good idea for both you and your passengers if any of you have concerns about your health. You could be injured and not know it right away. You may wish to call your doctor or another health care provider for advice. Your automobile insurance may pay some or all of these health care bills (see #10 and #11). You should consult your policy or agent for details on what is covered. 9 Do I have to report the accident? Yes. First, you may need to call the CHP or the local police (see #1). Second, report the accident to your insurance company. Ask your insurance company or insurance agent what forms you should fill out and to help you make other necessary reports on the accident. Third, you and 6
9 the other driver must report the accident to the DMV within 10 days if: the damage to either car is more than $750; or anyone is injured or killed in the accident. Get an SR-1 Report of Traffic Accident form from your local DMV office, CHP, police or insurance company. 10 Who pays if I m injured or my car is damaged? That depends on who is at fault, whether you and the other driver have insurance and what kind of insurance you have. There are two major types of automobile insurance: liability and collision. Liability. If you are to blame for an accident, your liability insurance will pay the other driver for property damage and personal injuries up to your policy s limits. If you are not at fault, the other driver s liability insurance pays for your car damage and/or personal injuries up to the policy limits of the other driver s policy. In California, if you and the other driver both have car damage or injuries and you both are partly responsible for the accident, you each may be able to collect part of your loss, but not all of it. How much each of you collects from the other s policy (or from each other s assets if there is no insurance) depends on the amount of your damages and on how much each of you is at fault. If you loan your car to someone who has an accident, your insurance can also help pay for the damages. Collision. No matter who is at fault, your collision insurance pays for damages to your car (not your medical expenses), minus the policy deductible. 7
10 You may have other insurance, too. Your health insurance, for example, may pay your medical bills. Also, your automobile insurance may have medical payments coverage. If so, it can pay the cost of necessary medical treatment for you and your passenger up to the medical payment policy limits. 11 What should I do if the other driver does not have insurance? If the other driver caused the accident and is not insured, your own policy can pay for your personal injuries if you have uninsured motorist or medical payments coverage, up to the specified limits as provided in your policy. If the other driver s insurance is not enough to pay for all of your damages, your own insurance may pay the difference if you have underinsured motorist coverage. If you do not have these kinds of insurance or if your damages are more than the policy s limit, you can sue the other driver. However, even if you win the case, you cannot be sure that the other driver has the money to pay. If you have collision insurance, it will usually pay for the damage to your car, minus your deductible, no matter who is at fault (see #10). 12 What if someone sues me? Contact your insurance company or insurance agent and/or your lawyer right away. Generally, your insurance company will assign a lawyer to handle your case. But, if you are sued for more money than your policy covers, or if your insurance company indicates it may not cover you for everything, you may also need your own attorney. Also, insurance company lawyers do not handle traffic citations or criminal cases, such as hit-and-run charges. 8
11 13 What if I want to make a claim for my injuries? If the other driver was at fault, you may be entitled to compensation for your personal injuries, car damage and other expenses, such as lost wages or the cost of a nurse needed after the accident. If you had your own insurance at the time of the accident, you may also be able to sue for pain and suffering. You should make a claim with the other driver s insurance company. But, if you are not satisfied with the amount they offer, you may want to sue. If you plan to sue, do not delay. There are time limits for filing various types of claims so act quickly. You, as an individual, generally can file a claim for up to $7,500 in small claims court. (Businesses and other entities generally cannot sue for more than $5,000.) A lawyer can t represent you in court, but you can talk with one beforehand. For more information on small claims, see the State Bar pamphlet How Do I Use the Small Claims Court? (To find out how to order the State Bar s consumer pamphlets, see #14.) If you want to sue for a larger amount, your own lawyer can represent you. An insurance company lawyer cannot represent you if you are the plaintiff (the person who is suing). Many lawyers take auto accident cases on a contingency fee basis. That means you do not pay the lawyer his or her attorney fees if you lose the case. If you win, you pay the lawyer a percentage of the money you get. Most lawyers charge a smaller percentage if the case is settled before the lawyer does all the work necessary to go to trial. If you and your lawyer agree to a contingency fee, the lawyer must put the agreement in writing and give you a signed copy. The contract should explain what percentage the lawyer will get if you win and how it might vary. It also should state who will pay for any court or other costs. 9
12 14 How can I find a lawyer to represent me? If you do not know a lawyer, ask someone whose judgment you can trust a friend or employer, for example. Or call a local State Bar-certified lawyer referral service. For an online list of certified lawyer referral services, visit the State Bar s website at calbar.ca.gov/lrs. Or, for the phone numbers of such services in your county, call CA-LAW ( ). Out-of-state callers can call to hear the same message. Or check the Yellow Pages of your telephone directory or contact your local bar association. State Bar-certified lawyer referral services, which must meet minimum standards established by the California Supreme Court, can assist you in finding the right lawyer for your particular problem. Most of these services offer half-hour consultations for a modest fee. Attorneys who are members of certified lawyer referral services must carry insurance, agree to fee arbitration for fee disputes, meet standards of experience and be State Bar members in good standing. Lawyer referral service fees do vary. Don t forget to ask whether there is a fee for the referral or consultation. And if you decide to hire a lawyer, make sure you understand what you will be paying for, how much it will cost and when you will be expected to pay your bill. You may want to talk to several attorneys before you hire one. What if you do not have enough money to pay for legal advice? You may belong to a legal insurance plan that covers the kind of services you need. Or, if you have very little income, you may qualify for free or low-cost help. You can ask your county bar association if its State Bar-certified lawyer referral service offers free legal advice for low-income people, or if it can direct you to a no-cost legal services organization. (California s statewide legal services website LawHelpCalifornia.org can help you locate a local program and provide you with additional resources as well.) 10
13 If you re charged with a crime and can t afford a lawyer, call your county s public defender. Depending on your income, you may qualify for free assistance. To find the public defender, look in the white pages under the name of your county. For more information, see the State Bar pamphlet How Can I Find and Hire the Right Lawyer? You can order this pamphlet and other State Bar consumer pamphlets free of charge by sending an to Or, to find out how to order the State Bar s consumer publications by mail, call LAWS ( ). Or visit the State Bar s website calbar.ca.gov where you ll find the pamphlets, as well as information on ordering them. The purpose of this pamphlet is to provide general information on the law, which is subject to change. It is not legal advice. Consult a lawyer if you have a specific legal problem. C H E C K L I S T Protect yourself and others: Drive defensively. Don t drive after drinking. Make sure you and your passengers wear seat belts. Use appropriate and properly installed car seats for small children. Have adequate insurance coverage. 11
14 If an accident happens: Stop. Help or get help for injured people. Warn motorists (use flares, hazard lights). Call 911 to contact the police or California Highway Patrol if an injury or death occurs. Use the last page of this pamphlet to take notes on the accident write down information about the other driver and car, witnesses, passengers, accident location and more. Cooperate fully with law officers, but speak with your insurance company or insurance agent and/or lawyer before accepting any blame. After an accident: Call or see your physician if you have any health concerns. Report the accident to your insurance company. Report the accident to the Department of Motor Vehicles within 10 days if someone is injured or killed or if damage to either car is more than $750. Make a claim with your insurance company and/or the other driver s insurance company to pay for your injuries and losses. Contact your insurance company and/or a lawyer if you are sued. Contact a lawyer if you need legal advice or assistance in making a claim or in dealing with your insurance company. (See #14) 12
15 The State Bar of California Office of Media and Information Services 180 Howard Street San Francisco, CA Publications: LAWS ( ) calbar.ca.gov 13
16 THE STATE BAR OF CALIFORNIA Office of Media and Information Services 180 Howard Street San Francisco, CA Place Stamp Here
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
what to do in case of an auto accident Keep this pamphlet with a pencil and paper and your insurance card in your car. What These Words Mean Scene The place where the accident happened. Witness A person
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
This pamphlet is published by The Florida Bar Information and Bar Services Department as a public service. Single copies of this pamphlet and others are free upon request by sending a self-addressed, legal
WHAT TO DO IF YOU HAVE AN AUTOMOBILE ACCIDENT INTRODUCTION Automobile accidents are a regrettable part of modern life. Whether you drive in a large city or a small town, sooner or later, you can expect
Lowcountry Injury Law 1917 Lovejoy Street Post Office Drawer 850 Beaufort, South Carolina 29901 Personal Injury Phone (843) 524-9445 Auto Accidents Fax (843) 524-6981 Workers Comp Lawyer@LowcountryLaw.com
Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.
What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every
Law & The Courts Resource Guide - what to do in case of an auto accident - your rights in traffic court - your rights if arrested table of contents What To Do In Case Of An Auto Accident...1 Your Rights
DRIVING RELATED ISSUES Student Legal Service University of Illinois at Urbana-Champaign License Issues You are not required to obtain an Illinois Driver s license while you are enrolled as a student in
12 Common Auto Accident Myths: Protecting your rights and wallet after being injured in an auto accident. Introduction An auto accident can dramatically change your life. You could be injured and/or in
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
SOUTH CAROLINA BAR Auto Accidents and the Law BE PREPARED Because accidents happen to even the best of drivers, everyone should be prepared to do the right things immediately afterward. Many legal troubles
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
T H E S TAT E B A R O F C A L I F O R N I A WHAT CAN I DO IF I CAN T PAY MY DEBTS? GET THE L E G A L F A C T S O F L I F E What can I do if I can t pay my debts? 1 Can my property be taken to pay a debt?
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
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
Restitution Basics for Victims of Crimes by Adults If you are the victim of a crime, you have a right to be repaid for losses that resulted from the crime. This booklet will help you understand: How to
WHAT TO DO Immediately After Being Involved in an Auto Accident BY EDDIE E. FARAH & CHARLIE E. FARAH, ATTORNEYS AT LAW If a person is seriously injured, do not move them unless they are in imminent danger.
CLIENT INTERVIEW FORM AUTO ACCIDENTS Please fill out the following form to the best of your ability. YOUR INFORMATION First Name: MI: Last Name: Drivers License #: Date of Birth: Email Phone (work): State:
DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies
WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? How Does The Law Determine Who s At Fault? When determining fault, there is no one answer that covers all scenarios. Accidents produce and are produced by many
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
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
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
Urban Survival Guide: Please Step Out of The Car A Step by Step Guide Through The Los Angeles DUI & DMV Process MR DUI LA Attorney Mark Rosenfeld The Law Office of Mark Rosenfeld 800-9700-DUI (384) MRDUILA.com
THE SALAZAR LAW FIRM, P.A. NEW CLIENT INFORMATION SHEET (PERSONAL INJURY MOTOR VEHICLE) TODAY'S DATE PERSONAL INFORMATION: DATE OF ACCIDENT NAME HOME ADDRESS CITY STATE ZIP HOME TELEPHONE ( ) DATE OF BIRTH
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
Mod 10 Financial Responsibility Buying a Used Vehicle Costs of Owning a Vehicle Trip Planning Financial Responsibility Law $ Minimum liability coverage $ $500 Uninsured motorist fee Virginia Auto Insurance
Protecting Your Business and Reducing Your Risk With Automobile Insurance Coverage As attorneys who represent catastrophically injured people in Missouri and Kansas, we see far too many people with inadequate
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
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
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
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
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
Myburgh Attorneys HAVE YOU BEEN INJURED IN A CAR ACCIDENT? OR DO YOU KNOW SOMEBODY WHO HAS BEEN INJURED IN A CAR ACCIDENT? WHAT ARE YOUR RIGHTS? THE ROAD ACCIDENT FUND (RAF) The RAF was created to compensate
Road Traffic Accidents Everything you need to know Families involved in a road traffic accident in this country and abroad can seek legal advice and assistance from EAD Solicitors. Anyone can seek legal
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
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
To: Our Valued Clients From: Agency Name Re: Gap Letter From time to time, we mail a notice to our clients (past, current, and potential) called a Gap Letter. The purpose of this letter is to inform you
T H E S TAT E B A R O F C A L I F O R N I A HOW CAN I FIND AND HIRE THE RIGHT LAWYER? GET THE L E G A L F A C T S O F L I F E How can I find and hire the right lawyer? 1 Why might I need a lawyer? 2 How
Cooper Hurley Injury Lawyers 2014 Granby Street, Suite 200 Norfolk, VA, 23517 (757) 455-0077 (866) 455-6657 (Toll Free) YOUR RIGHTS WHEN YOU ARE INJURED ON THE RAILROAD Cooper Hurley Injury Lawyers 2014
PERSONAL INJURY/AUTO ACCIDENT INTAKE SHEET SOL: INITIAL CLIENT STATEMENT TODAY S DATE: HAVE YOU SPOKEN TO ANOTHER ATTORNEY ABOUT THIS CASE? IF SO, PLEASE GIVE NAME OF ATTORNEY : DO YOU HAVE A SIGNED RELEASE
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
Restitution Basics for Victims of Offenses by Juveniles If you are the victim of an offense committed by a youth under the age of 18, you have a right to be repaid for losses that resulted from the offense.
Your Guide To Getting the Best Insurance Coverage for Your Family The Guide To Buying Car Insurance in Washington Don t be without the Insurance Coverage that Insurance Companies Most Dread Selling Scott
University Fleet Services Policies and Procedures May 2008 Contents Assignment and use of vehicles................. 2 Definition of personal use...................... 2 Driver requirements...........................
Crashed your car? Information on claims for damage to your car, in and out of court 1 After a car accident This brochure will take you through the important steps you need to take if your car is damaged
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
MOTOR VEHICLES, ACCIDENTS AND ALCOHOL This is a guide to what you must and should do if you: are involved in a motor accident; have dealings with a police officer involving a motor vehicle; are required
Uninsured Motorists: Basic Questions and Answers What does uninsured mean when speaking of uninsured motorists? Kansas law requires that a vehicle operated on state highways be insured. Criteria differ
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.
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
ON THE ROAD License The minimum age, to obtain a driver s license in New Hampshire, is 18 years old. Individuals between the ages of 16 and 18 may obtain a drivers license, with permission from their parent
Criminal Law Glossary Arrest Charge Convicted Court Crime/Offence Crown Attorney or Prosecutor Criminal Custody Guilty Illegal Innocent Lawyer To seize a person under authority of the law. Police officers
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
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,
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.
SMALL CLAIMS COURT What Is Small Claims Court? Nebraska law requires that every county court in the state have a division known as Small Claims Court (Nebraska Revised Statute 25-2801). Small Claims Court
T H E S TAT E B A R O F C A L I F O R N I A DO I NEED A LIVING TRUST? GET THE L E G A L F A C T S O F L I F E 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 Do I need a living trust? What is a living trust?
PERSONAL INJURY/AUTO ACCIDENT QUESTIONNAIRE TODAY S DATE: PERSONAL INFORMATION: NAME: (home) (cell) Age: Date of Birth: Social Security No: EMPLOYER: (work) Occupation: Worked there how long? Immediate
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
COUNTY OWNED VEHICLE USAGE POLICY Effective January 1, 2009 Ohio Revised Code 307.72 states that motor vehicles purchased or leased as provided by section 307.41 of the Revised Code shall be for the use
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
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
Common Myths About Personal Injury and Wrongful Death Cases 1 By B. Keith Williams There are several myths about accident cases and the attorneys that handle them. It is important to keep these myths in
THE LAW AND YOU 15-1 Each state has particular laws that deal with acts usually committed by young people. Just because someone is under the age of 17 (considered a juvenile) does not mean that laws do
PERSONAL INJURY/AUTO ACCIDENT INTAKE SHEET SOL: INITIAL CLIENT STATEMENT HAVE YOU SPOKEN TO ANOTHER ATTORNEY ABOUT THIS CASE? IF SO, PLEASE GIVE NAME OF ATTORNEY: DO YOU HAVE A SIGNED RELEASE BY THAT ATTORNEY?
Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 What You Need To Know About Workers Compensation HOW TO USE THIS GUIDE If you read this guide, you will discover
HM 680 April 1991 $ $$ Southern Selection AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? You may not realize how much you rely on your car until something happens and you are unable to use it. You cannot
Everything You MUST Know Before Hiring a Personal Injury Lawyer! You Do NOT Have the Right to Reprint or Resell this Report! You Also MAY NOT Give Away, Sell or Share the Content Herein If you obtained
THOMPSON, THOMPSON & GLANVILLE, PLC PERSONAL INJURY INITIAL CLIENT INTERVIEW (AUTO) Date: Referral Source: Atty: Legal Asst.: Office: BACKGROUND INFORMATION Full Name: First Middle Last Other names known
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
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
TAXI and TLC-Licensee CASES A Guide to Your Hearing at the OATH Tribunal 40 Rector Street, 6th Floor New York, NY TABLE OF CONTENTS Taxi and TLC-Licensee Cases Heard at OATH.......3 Should I Get a Lawyer?.
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!!!
WHAT TO DO RIGHT AFTER AN ACCIDENT www.gaychackermitten.com 1-800-LAW-4030 INJURED IN AN ACCIDENT? HERE S WHAT YOU NEED TO KNOW NOW Personal injury law, known as tort law, is designed to protect you if
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
Guide to Municipal Court What Types of Cases Are Heard in Municipal Court? Cases heard in municipal court are divided into four general categories: Violations of motor vehicle and traffic laws Violations
Form: Personal injury automobile accident case checklist PERSONAL INJURY AUTOMOBILE ACCIDENT CASE CHECKLIST Did you witness the accident? Yes No When? Where? How far were you from the accident? Describe
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
Company Vehicle Policies and Procedures Eligibility to Drive a Company Vehicle Employees eligible for assignment of a company vehicle are selected at the discretion of the company s Chief Executive Officer
THOMPSON, THOMPSON & GLANVILLE, PLC PERSONAL INJURY CLIENT INTERVIEW FORM Date: Referral Source: Atty: Legal Asst.: Office: BACKGROUND INFORMATION Full Name: First Middle Last Other names known by (including
DWI A DWI is not like a traffic ticket. It is a much more serious offense that carries a penalty of up to 180 days in jail and up to a $2,000 fine for a first offense. Repeat DWI offenders increase their
Driving in Texas 1. Driver s License 2. Auto Insurance 3. Parking 4. Getting Stopped by the Police Created by TC, updated 2008, 2010, 2012, 2013 Driver s License All drivers need a valid license to drive.