Articles Posted in Insurance

For obvious reasons, it’s hard to predict an event that would lead you to file a personal injury lawsuit. Generally you’re a cautious person and you don’t go looking for trouble, so you never expected such a severe injury. But just because you’re cautious doesn’t mean everyone you come in contact with will be.

Even the most careful individuals can get in accidents. Maybe it’s because you went to a neighbor’s house to return a piece of misdelivered mail. When the rotten steps leading to his door collapsed, you broke your ankle. Maybe a neighborhood dog got out of its fence, came to your yard and severely bit you on the leg. Maybe you were out walking after a snowstorm and a property owner along the way neglected to clear his sidewalk, causing you to slip and break an arm.

Now you’re hurt and you’re facing a long list of expenses, just starting with a visit to the emergency room. Even if you’re not hospitalized, you’ll have to miss several days of work. Plus you might need surgery down the road, maybe even rehabilitation. Maybe you’re a construction worker and you’re going to require months of physical therapy for your broken ankle. Maybe you’ve experienced severe scarring from the dog bite and are worried that will hurt your modeling career.

It’s all because of someone else’s negligence or poor planning that you’re going to lose so much money. At this point, you feel that you have no choice but to pursue a lawsuit. Few people really want to go that route. And it’s only natural for you to worry about how the responsible party is going to come up with the money to make things right for you.

However, if the person accountable for the accident has home insurance, he or she might have some help when it comes to paying for your many expenses. It goes without saying that most homeowners have home insurance – mortgage companies require it in nearly every circumstance. If the responsible party has standard home insurance, part of the coverage typically included in his or her policy could qualify them for help if you decide to sue.

Personal liability protection is reserved for exactly this type of scenario. It makes the policyholder eligible to file a claim when facing a lawsuit. If you’ve slipped and fallen on a person’s property or been bitten by his or her dog or some other scenario involving negligence, the homeowner might be able to compensate you using insurance. Liability protection can be used for legal defense fees, as well.

How much coverage is available? It depends. Typical home insurance policies generally allot $100,000 in coverage for each claim occurrence. For the average person, that’s not a small amount of money. Some homeowners might have even higher coverage limits – up to $500,000 – that will qualify them for additional claim money. Some might even have purchased an umbrella policy – separate coverage that will kick in once personal liability limits are reached. Umbrella policies start with $1 million limits, and homeowners can purchase as much as $5 million in coverage.
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Car crash tests provide lots of data on how motor vehicles will fair in an accident and vehicles are rated accordingly. A new report by the Highway Loss Data Institute (HLDI) has another method of providing data on the safety of a vehicles: personal injury accident claims.

When people are injured in a car accident, the medical payments an insurance company pays out can reflect how well the occupants of the vehicle were protected in an accident. The HLDI shows a correlation between vehicle size and how well protected people.

Small vehicles injury claims

The HLDI looked at personal injury protection (PIP) coverage and, based on that data identified the vehicles with the highest personal injury claims per 1,000 vehicles. The cars with the highest injury claims were mostly mini or small cars. The HDLI looked at PIP claims on 2009-11 models:

  • Toyota Yaris – mini car — 28.5 claims/1,000 vehicles
  • Suzuki SX4 – small car — 26.6 claims
  • Chevrolet Aveo – mini car — 26 claims
  • Mitsubishi Galant – midsize car — 25 claims
  • Kia Rio – mini car- 24.9 claims
  • Nissan Versa – small car – 24.6 claims
  • Hyundai Accent mini car – 24.6 claims
  • Dodge Avenger – midsize car – 23.7 claims
  • Nissan Sentra – small car – 23 claims
  • Chevrolet Aveo wagon – mini station wagon – 22.3 claims

Large vehicle injury claims

The data revealed what common sense would tell one and that is vehicles which are larger and heavier protects the occupants better:

  • Porsche 911 – midsize sports car 4.5 claims
  • Chevrolet Corvette – midsize sports car – 5.4 claims
  • Chevrolet Silverado 2500 crew 4WD – very large pickup – 5.5 claims
  • Jeep Grand Cherokee – midsize SUV – 6 claims
  • Lexus LX 570 4WD – large luxury SUV – 6 claims
  • Mercedes Benz SL-Class convertible – midsize sports car – 6 claims
  • Chevrolet Silverado 1500 4WD – large pickup – 6.2 claims
  • Ford F-150 4WD – large pickup – 6.2 claims
  • Land Rover Range Rover 4WD – large luxury SUV – 6.2 claims
  • Cadillac Escalade ESV 4WD – very large luxury SUV – 6.4 claims

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Like any other type of insurance policy, most people don’t give enough importance to the travel insurance policy and this is the reason why they incur huge amount of debt while travelling. It has been researched that most people in the US love to travel but they’re not aware of the importance of getting a travel insurance policy. While there are some who don’t want to enter into a travel insurance agreement with the insurer, some are not even aware of the details of a travel insurance policy. Read on the concerns of this article in order to educate yourself on the ins and outs of travel insurance policy.

What actually is a travel insurance policy?

travel.jpgThere are typically various types of insurance policy and among them the most common are the auto insurance policy, the health insurance policy, the life insurance policy and the travel insurance policy. There are particularly two specific areas of travel insurance policy among which one is medical coverage and the other coverage that specifically covers your investment in travel. When you incur medical costs or accident costs while travelling, the travel insurance company will be liable to meet the costs and help you breathe free.

What are the types of travel insurance coverage that you may take out?

There are certain types of travel insurance coverage that you should take out in order to safeguard your vacation and avoid incurring debt. Have a look at some coverage options on your travel insurance policy.

Trip cancellation coverage: When any unforeseen circumstances cause a cancellation of your trip, the trip cancellation coverage will help you get back your dollars for all those non-refundable deposits.

Trip delay coverage: If you have this coverage on your travel insurance policy, you can certainly get reimbursements when your trip is delayed.

Medical transportation: If you need any kind of emergency medical costs for transportation during the vacation, you have to make sure that you get this kind of coverage on the policy.

Accident coverage: When you meet with any sudden accident while you’re traveling, you may require funds for meeting the medical expenses. During such a time when you have the accident coverage, you can let the insurers pay for you and help you save your dollars.

Baggage loss coverage:
If you lose your baggage or it gets stolen on the trip, you can get back money if you have this particular coverage.

Therefore, when you’re worrying about the pros and cons of getting a travel insurance policy, you should simply consider the benefits of getting one. Choose to save your dollars and make your trip memorable.
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You are standing at a rental car counter and the rental agent asks you if you want to purchase car insurance on the vehicle you are renting. Should you purchase the insurance? Does the insurance you purchase for your personal automobile cover a rental car?

The car rental company will likely tell you that buying additional insurance will give you “peace of mind” or that the insurance you purchase through them has “no deductible” which can save you in the case of a car accident.

It is a good idea to check with your insurance company about your own policy because policies can vary from state-to-state and you want to make sure you are adequately insured. Sometimes even your credit card company will reimburse you for your deductible if you are involved in a motor vehicle accident in a rental car.

Non-Owned Car Coverage

When checking with your insurance agent, be sure to ask the question, “Do I have Non-Owned Car Coverage.”

We were reading a court decision, Chandler v. Geico Indem. Co, 2011 WL 5864808 (Fla. Nov. 23, 2011) in which the case decided the question, “Does Geico’s Non-Owned Car Coverage cover motor vehicle accident injuries caused by the negligent use of a rental car even though the driver of the rental car was not an authorized driver under the rental car contract?”

In this case, the Florida Supreme Court ruled that the rental car was a “temporary substitute auto” under the insured’s automobile insurance policy and therefore Geico was liable for injuries.

The case arose when Kutasha Shazier rented a car from Avis because her auto was in the repair shop. The rental car contract stated that Shazier was not authorized to allow additional drivers of the rental car unless Avis provided prior written approval.

Shazier’s personal car insurance with Geico provided “Non-Owned Car Coverage” to cover a temporary substitute auto not owned by Shazier but temporarily used with the permission of the owner.

Shazier lent the rental car to Tercina Jordan who was involved in a single-car accident in which one passenger was killed and several others were injured. The injured passengers and the deceased passenger’s estate filed a lawsuit against Shazier and Jordan. Geico, Shazier’s insurer argued that they did not have to cover damages because the rental car was not a temporary substitute because Jordan did not have Avis’ permission to drive the vehicle.

The court ruled that the rental car qualified for insurance under Geico’s “temporary substitute auto” policy and even though it was not owned by the insured person it could be considered an “owned auto” and the insurer must cover the insured and any person using the vehicle that Shazier had given permission to.

How a Personal Injury Attorney can Help You in a Car Accident

Even though you may large insurance premiums, your insurance company may not one to pay a legitimate claim or they might want to lessen your award. A Seattle personal Injury attorney can help you fight insurance companies after your accident. You will likely receive a greater award if you hire a qualified and experienced lawyer to represent you. And, in a complex case like the one we described above, hiring a personal injury attorney is absolutely essential.

This information is provided by Washington Injury Attorney blog, a service of The Farber Law Group. We are a personal injury law firm representing clients with car accident injury claims throughout the greater Seattle-Bellevue-Tacoma metropolitan area and throughout the Pacific Northwest. We provide FREE and CONFIDENTIAL case evaluations so contact us today.

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The case of Bowdler v. State Farm Mut. Auto Ins. Co. concluded with the jury awarding $3.02 million to David Bowdler who was serious injured in a motor vehicle accident at an intersection when the other driver ran a stop sign.

In this “bad faith” insurance case, Bowdler sued State Farm Insurance after they refused to pay him the full amount of his underinsured motorist coverage.
seattle car accident lawyer
An “underinsured/uninsured motorist clause” was a provision of Bowlder’s insurance policy and provides that a driver receive damages for injuries caused by an uninsured or underinsured motorist. In the event of an accident with serious injuries, the coverage is intended to bridge the gap between what the uninsured driver can pay and what the injured driver should receive had the other driver been adequately insured.

Bowlder suffered a neck fracture and wrist fracture and had to undergo multiple surgeries and months of physical therapy when he was involved in a motor vehicle accident with a motorist who only had $25,000 in coverage.

State Farm balked at covering Bowlder’s damages so Bowlder’s attorney filed an insurance bad faith lawsuit. “Bad faith” is describes a tort claim against an insurance company when the insurance company has not dealt fairly with the insured person.

This information is provided by Washington Injury Attorney blog, a service of The Farber Law Group. We represent people who have been seriously injured in motor vehicle accidents. We represent clients on a contingency basis which levels the playing field when taking on insurance companies.

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