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Uninsured motorist coverage and wrongful death claims

It can be yet another devastating blow to learn that the person who killed someone you love in a car accident doesn't have a high enough policy to cover the wages your family will lose. But don't despair. There is a way to seek these damages. Click to learn more about uninsured motorist coverage in wrongful death claims.

The most important thing you'll need to prove wage loss for your accident claim

If an accident victim's injuries are serious, it will be impossible to go back to work for awhile. Many people in this situation need to file an insurance claim to cover wage loss, and have many questions about this process. Click here for information on what you need to do to show lost wages for your accident injury claim.

Why do auto insurance rates rise after an accident?

Insurance companies are risk averse and in the business of making money. These are old companies in it for the long run. They have shareholders to consider, and have to pay out major claims if their covered drivers are found to be at-fault. If you file a claim, you likely have found that your premiums increased. You're not alone. Considering that the rates tend to stay high for about three years after each claim is filed, those rate hikes pretty much pay for the damages you’ve been paying your insurance premiums to cover. It’s almost like the car insurance company is giving you a loan to cover your accident losses that you pay them back for over the years. For more information on why car insurance premiums increase after a claim, click here.

FARS Encyclopedia

The Summary page for the FARS Web Encyclopedia is the first thing that visitors will see when visiting this site. This page contains a random statistic drawn from the Traffic Safety Facts published each year by the DOT, a table listing the traffic fatality statistics from this day last year. The left-hand column on the home page contains a random factoid sample from the "Did You Know?" archives. The "Did You Know?" archives contain interesting and relevant statistics drawn from the Traffic Safety Facts, a compilation of motor vehicle crash data collected by the FARS program. These compilations are published every year by the National Highway Traffic Safety Administration.

The first thing accident victims need to do when the other driver doesn't have insurance

We take to the roads throughout Bellingham and Whatcom County trusting that other drivers will have insurance. But that’s not always the case. You can well imagine the protocol as it’s supposed to happen after an accident: get medical attention for any injuries, file a police report, and exchange insurance information with other motorists involved. What happens if that last step can’t be followed because the driver has no insurance, or a policy that simply doesn’t cover all of the damages that occurred? So quickly, an already a stressful time just became even more worrisome. Click to learn more on what to do if the driver who hits you has no insurance.

Amanda Carlton, 38, dead in crash on I-64 in Henrico County, VA

Area:

Richmond-Petersburg, VA

Carlton was driving on I-64 near Airport Drive at about 5:52am when she for some reason slammed into the guardrail before getting struck by a pickup truck. The driver of the pickup truck, identified as Joseph Huggins, 65, was taken to the hospital with non-life threatening injuries, but Carlton was pronounced dead at the scene of the crash.

Don’t be Afraid to File Claims against Uninsured Drivers

Many insured drivers, when involved in a personal injury accident with an uninsured party, are afraid to file a claim for fear of increased insurance premiums or rates. Luckily, under Tennessee law, this cannot happen. Learn more about these claims here...

Bicyclists who are hit by a hit and run driver still have options for financial recovery

A hit and run accident that happens to a bicycle rider is unconscionable. In most accidents between a car and a bike, the bicyclist is the one with the far greater injuries. On a bicycle, you are much more vulnerable to impact than in a car, even at relatively low speeds. If the driver takes off, added to the pain of the injuries is the frustration and anger at that terrible response. Even if the driver who hit you while you were on bicycle is never found, you have options for recovery. Click to learn what they are.

Take this step before you file for uninsured/underinsured motorist protection

A little-know rule called the Hamilton Rule factors into uninsured/underinsured motorist policies. Though very seldom used, it gives insurance companies the right to sue an at-fault driver before the victim would file a claim to recoup their losses. If you don't take this step in the right order, your insurance company deny your claim and pay you nothing. Click to watch this video by Bill Coats Law on taking this necessary step in the claims process.

[VIDEO] A guide to using your uninsured/underinsured motorist protection

It's a step not everyone will have to take, but using your uninsured/underinsured motorist protection means some fairly complicated fine print can affect your claim. Insurers are skilled at looking for ways to reduce your compensation, as it saves their bottom line. Click here for a video series from Bill Coats Law on what you need to know about using your uninsured/underinsured motorist protection.