Insurance is a multi-billion dollar industry in the United States. The law is on their side, requiring drivers who want to operate their vehicles legally to have at least a bare minimum of coverage. Insurers take in premiums, and invest them, turning consumer funds into larger and larger profits. When you’re in an accident, you expect your auto coverage to swing into action, mitigate the financial loss as required by law. That doesn’t always happen. Insurers have entire departments devoted to keeping payouts low and preserving the revenue stream. Sometimes, that means underhanded, even unlawful tactics to discourage claim filing – also known as ‘bad faith’ insurance. You could be the injured driver paying the price for an illegal claim denial, but how can you spot bad faith before you’re a victim? Like this: (more…)
Sometimes, it isn’t an easy feat determining who’s at fault after an accident – it was raining, the impact happened so fast, you could’ve lost consciousness. Accusations might fly from both sides with conflicting witness statements only adding confusion to the mix. Police are reconstructing the accident scene, but that could take days of painstaking work. How can you know who’s at fault for the crash before the professionals do? By keeping these few, simple facts in mind when you’re trying to remember exactly what happened in the moments before the steel-grinding collision. (more…)
A motor vehicle crash is unpredictable. Impact exerts incredible force on the vehicles involved as well as the people sitting inside them. All good sense goes right out the window in the heady seconds following the wreck. Drivers and passengers alike could make key mistakes that either make it very difficult for police to determine who exactly caused the crash or give the insurance company plenty of bullets to deny their subsequent claims. Here are six things drivers and passengers shouldn’t do or at the very least avoid like a shopping mall on Sunday after a car accident. (more…)
Auto insurance can get expensive when you start adding up the coverage options and factoring in your previous driving history. As a result, you might choose to skimp on your policy – shrink coverage here, reduce a covered event there. What you end up with is coverage that doesn’t do much but line the pockets of your insurance company. When a car accident occurs, a bare bones or “minimum” policy doesn’t save you any money. In fact, it may end up costing you thousands of dollars extra. Here are some options your car insurance needs right now. (more…)
