Lafayette, IN
Who Is At Fault for a Left-Turn Accident in Indiana?
While the driver making the left-hand turn often bears a significant portion of the responsibility, there are exceptions where they may not be entirely at fault.
Insurance
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Lafayette, IN
Who Is At Fault for a Left-Turn Accident in Indiana?
In Indiana, determining fault in a left-turn accident is not always cut and dry. While the driver making the left-hand turn often bears a significant portion of the responsibility, there are exceptions where they may not be entirely at fault.
Dallas-Ft. Worth, TX
Should you install a tracking device or app that allows your insurance company to monitor your driving in hopes of receiving a d
On the one hand, you get some extra money in your pocket. On the other, companies whose primary goal is to not pay you money if you get into an accident can monitor your every move as you drive. Learn more here about what you should do...
Dallas-Ft. Worth, TX
Texas Drivers Beware: Motorists Don’t Carry Enough Insurance
The minimum 30/60/25 auto insurance required by Texas’ law ($30,000 liability per person, up to $60,000 for the whole accident, and $25,000 for property damage) won’t be enough if a hospital stay is required.
Dallas-Ft. Worth, TX
When to Avoid Talking to the Insurance Company Following a Car Accident
Insurers act fast because they want to get to you before lawyers that cost them money get involved. They also know they can get you excited with how fast they can get you cash. They’re hoping you’ll make a hasty decision that saves them a bucketful of money.
Dallas-Ft. Worth, TX
The 3 Most Misunderstood Auto Insurance Terms
Does your auto insurance work like you think it does? Read and understand these commonly confused terms so you’re not hit with any surprises.
What is Rental Reimbursement Coverage, and why do you need it?
When you're in a car accident that seriously damages your vehicle, your vehicle may be towed to a body shop and out of commission for significant time, and you are stuck wondering how you are going to get around during its repair.
What does rental reimbursement cover?
Rental reimbursement coverage will help you pay for a rental car—but only if you need the rental car because of a covered loss. For example, if your car is damaged in an accident that's covered by your insurance policy, your rental reimbursement coverage will typically help pay for the rental car.
What is PIP coverage/medical payment coverage?
An automobile accident can damage far more than your car. Medical bills, lost income, and other expenses add up quickly and cause significant financial hardship. Personal injury protection, also known as PIP insurance, helps reimburse you for such costs, and can help protect your friends and family after a covered accident.
What is Comprehensive Insurance Coverage?
Comprehensive coverage is a catch-all for incidents that aren’t considered “accidents” like hail, flooding, or vandalism damage. Comprehensive coverage may help protect your car against damages that are not related to a collision, including:
What Is collision insurance coverage, and why do you need it?
If your car is damaged or destroyed in an accident, collision insurance coverage will typically pay to fix or replace it. Types of covered accidents include hitting another car or hitting a stationary object, like a bridge or a tree. Collision insurance can also help if someone or something else hits your car while it's parked.
What is Under-Insured/Uninsured Motorist Coverage, and why do you need it?
Uninsured Motorist insurance (UM) is coverage that protects you if you're involved in a collision with a driver who does not have liability insurance, or does not have enough liability insurance to pay for your damages.
Underinsured Motorist insurance (UIM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who has too little insurance to cover all of the injuries.
Covered UM and UIM expenses for you and your passengers include:
What does property damage insurance cover, and why do you need it?
Property damage liability coverage helps pay for the damage that you cause to another vehicle, or other types of property. If you are found responsible for a collision, property damage liability coverage would help cover damages you cause.
What is bodily injury liability insurance coverage, and why do you need it?
Liability car insurance covers damages to another person resulting from an accident you cause. One of the most basic types of auto insurance coverage, liability is also one of the few coverage options that's required in every state—though minimum limits of coverage vary, depending on where you live.
What is liability insurance coverage, and why do you need it?
Liability car insurance covers damages to another person resulting from an accident you cause. One of the most basic types of auto insurance coverage, liability is also one of the few coverage options that's required in every state—though minimum limits of coverage vary, depending on where you live.
Traditional insurance policies are wrong for low-mileage drivers
There’s a lot to take into consideration when choosing car insurance. It’s important to ensure you are getting the right insurance coverage for your car and your lifestyle, at a good price. But if you are a low-mileage or urban driver, traditional insurance policies are not for you.
Urban drivers are smart drivers – and deserve to own a vehicle under their own terms
There has been a huge rise in the number of urban drivers – those who typically use mass transit, carpool, telecommute, or otherwise get around town in ways other than a personal vehicle. But these drivers still need their cars on occasion, and until now, were forced to buy the same auto insurance policies that higher-mileage drivers purchase.
Pay-Per-Mile Insurance Coverage is perfect for your upcoming road trip
There is a new kind of insurance coverage that is made just for low-mileage drivers. With per-mile insurance, you pay a low monthly base rate plus a few cents per mile when you drive. At the end of the month, your bill is your base rate plus how many miles you drove at your per-mile rate. This revolutionary new kind of insurance is becoming wildly popular with drivers who typically drive less than 10,000 miles a year.
How low-mileage drivers can get exceptional car insurance for significantly less money
Here at Accident Data Center, since our focus is providing data about crashes across the nation, we have learned that every single accident involves an insurance policy. We all know we need insurance, but for all of the low-mileage drivers out there, it doesn't seem fair to have to pay the same amount as higher-mileage drivers.
Everett-Bellingham WA
Required to pay back your insurer for its help with your medical bills? Here's one big reason to hire a lawyer
The thought can be quite shocking to accident victims when they first learn it. "Why would someone hurt in an accident have to pay back their insurance company for covering medical bills?" Most people believe this coverage is already compensated through years of paying premiums. However, many insurance companies will seek reimbursement once they have paid medical bills. Bill Coats Law hosts a YouTube channel with a video about what to do if you are in this situation, and sometimes, a legal advocate is your best bet for arguing a fair claim when things get complicated in auto accident claims.
Everett-Bellingham WA
If fault is disputed, are medical bills still covered if someone is hurt?
Regardless of who is at fault, if there are injured people in a car accident, those people will deserve medical care. So who pays for those bills? Auto insurance policies have an option called Personal Injury Protection offered to many US drivers; in Washington, for example, the coverage is required by state law to be offered to all drivers licensed in the state. This is the coverage you'll count on to pay medical bills, and sometimes wage loss. Bill Coats Law in Bellingham, WA describes more about what Personal Injury Protection is for and how it works to cover people hurt in an accident, no matter who caused it.
Everett-Bellingham WA
Will your lost wages be covered if the at-fault driver carries no insurance? Most likely, yes!
States like Washington require insurance companies to include uninsured/underinsured motorist protection to all policy holders unless they specifically opt-out of this coverage. This might come in handy if you've been hit in a car accident by someone who has no insurance or not enough, and you've had to take time off work - or can never work again. Click to learn more about your options for covering wage loss if the driver who hit you has no insurance.
Everett-Bellingham WA
What if the negligent driver hit you and doesn't have insurance? You have options.
It's yet another shock after someone crashes into you to learn that they don't have insurance at all, or not enough to pay for your losses. Yet about a quarter of drivers on Washington State roads don't carry insurance at all, even though it is a state law that they must. But this doesn't mean that you are stuck with the bills for an accident that wasn't even your fault. Click here to learn what to do when the negligent driver doesn't have insurance.
Everett-Bellingham WA
A good personal injury attorney can help you with the fine print
Insurance companies have dedicated many years and resources on working within the legal system to essentially make it harder for people to get money for their claims. This has resulted in lots of red tape and loopholes that give them the edge against someone filing a claim without a lot of legal know-how. Here's one rule that you might not be aware of that could prevent you from receiving a dime on your claim, and a reason to hire a lawyer to guide you through this piece of red tape and much more of it. Click to read about the Hamilton Rule and its influence on uninsured and underinsured motorist claims.
Everett-Bellingham WA
A little known fact on reimbursing your health insurer after your claim is paid
It often comes as a surprise to personal injury victims that after their insurance claim has settled, they may be writing a big check to their health insurance company. I created this video from my blog to talk about the process of reimbursing your health insurance company after your personal injury claim settles and what you need to know.
Everett-Bellingham WA
One clients story of how this Bellingham, WA lawyer helped him recover after a car accident
If you have been injured in a car accident that wasn't your fault, it can help to hear that you're not alone. That you do have options, and there are ways to recover some of what you lost financially. It takes money to be able to recover from serious injuries including bone fractures, like this car accident victim hit by a distracted driver. Sometimes your best option is to seek legal expertise to make sure you receive a fair settlement for your damages and losses. Here is one client's story.
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