Articles Tagged with insurance

Permissive Use of an Automobile.

Are you serious? What do you mean that the driver did not have permission from the owner to drive the car?

Permissive use is one of the most common ways that insurance companies deny a claim.

#1 Insurance company and body shop agree to repair price. Additional work needs to be done after repair begins (called a supplemental). Body shop contacts insurance company adjuster. Adjuster agrees that additional work needs to be done. Body shop completes work and contacts insurance adjuster for check for all the work performed. Adjuster, after agreeing to repairs, now decides NOT to pay for supplemental. Current status:

1. Car still in shop, repaired, but will not be released until payment is made.
2. Insurance company not paying for car.
3. Insurance company now cuts off rental.
4. Client has no car, no rental, and a bill for damages insurance company already agreed were necessary.

5. Client, who had no intention of calling a lawyer, now calls Lewis & Tompkins, P.C., D.C.’s car accident legal specialists, to fix this situation. Who needs to advertise when you have insurance adjusters making work for you?

Documenting the time you miss from work will increase the value of your case significantly. Missed time from work is compensable in itself (you get paid for the time you were off), but also is evidence of a more serious injury. If you were hurt but went to work, it appears (rightly or wrongly) that you were not as seriously injured as someone else may have been.

Check out our wage verification form for an idea as to the type of information that an adjuster (or ultimately, a jury if necessary) will need to see evidence of your wages:
The name and address of your employer
A brief description of your position
How much you make, and how you get paid (hourly, salary, commission, etc.)
The dates you missed from work
The date you went back to work

You will have to prove you have paid your taxes. Be prepared to show a pay stub showing your withholdings or a tax return if a case has to go to Court.

As much as we like to talk about how bad credit can happen to anyone, the truth of it is that for the most part bad credit happens to people who are already poor.

If you stop for a second and think about all the ways in which poor people are taken advantage of, from everything to high interest rates to those scam payday loan places, you start to realize that the deck is truly stacked against those who arent making near six figures a year.

So it isnt much of a surprise that insurance companies raise their rates based not on the individuals driving record, but their credit history. This is perfectly absurd. A person could have a spotless driving record with no tickets or accidents, yet will still pay astronomical rates if he happens to have come into money troubles.

If you follow this link:

http://www.law.com/jsp/article.jsp?id=1105364095740

you will find an article from Law.com that describes how the readings from a cars “black box” data recorder can be admissable as evidence in a murder trial.

Most people when purchasing automobile insurance, are concerned only with saving money on their premiums. Most people are buying insurance merely because they have to get insurance to get their tag turn on their vehicle. Unfortunately, most people do not appreciate the important role that insurance has been protecting them and their an automobile accident.

Car accidents are exactly that, accidents. No one wants to be involved in a car accident.

Here are some coverages that most people cut in order to save money on their premiums. The most frequently cut coverages are:

Allstate Insurance Company has now resorted to the oldest excuse in the book: Blame the Lawyer.

The back story:

Allstate initiated a program in the mid-1990’s designed to limit claim payments. The program was designed by a consulting company named McKinsey. Here’s a brief summary of the program: