Archive for the ‘ Insurance Disputes ’ Category

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14
Mar

Insurance Coverage – Property Damage

 

There are many types of automobile insurance policies that cover property damage so it is important to review and understand exactly what coverage you have.  Insurance for property damage covers (1) damage to other peoples’ vehicles; (2) damage to your vehicle and some companies offer (3) “gap” coverage, which should pay off the difference between the amounts you owe on your vehicle and the book value that the insurance company will pay if your car is totaled. Many people find themselves “upside-down” after a car accident since the insurance company will only pay the fair market value of the car, even though the amount owed is more.  The insured still owes the difference to the bank or finance company. Gap coverage can help you prevent ending up in this situation.

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14
Mar

Insurance Coverage – Personal Injury

 

There are three major types of personal injury coverage on an automobile insurance policy that can be described as (1) payments to someone else if you injure them (2) payments to you if someone injures you and that person has no insurance; and (3) coverage for medical bills if you are injured in a car covered by the policy.  With the rising cost of medical transport and medical procedures, it is very important that you carefully evaluate the type and amount of coverage you have every year. A serious automobile accident can cost thousands of dollars in medical treatment, so it is important to review the declarations page of your policy to make sure you feel that you have enough coverage to take care of those bills if you are involved in a serious accident.

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8
Mar

Property Damage

When a car is totaled, the value of any property damage claim is the fair market value of the vehicle.  One technique to insure you are receiving the maximum value for the vehicle is to check the classifieds for listings containing the same, or essentially the same, vehicle and provide those listings to the insurance company.  If these listings are for more than you are being offered, you may deserve more for your vehicle as well.

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22
Feb

Nashville Wrong Way Drunk Driver Injures Self, Kills Another

February 22, 2012

A drunk driver is to blame for a head-on collision in Nashville, Tennessee, that left the driver critically injured and killed an innocent victim. Reports from Channel 5 News indicate that the accident occurred Wednesday around 4:00 AM on Interstate 65, just outside downtown.

Reports of the incident from the Nashville Metro Police Department say that officers believe the 22-year-old driver of a 2006 Lexus RX 330 SUV got onto Interstate 40 going the wrong way at the off-ramp for Broadway. The driver, who admittedly had been drinking, then got onto I-65 North, near the Wedgewood exit. The intoxicated driver then collided head-on with a 2000 Chevrolet Ventura minivan.

The drivers swerved away from each other just before the collision, causing the driver’s side of both vehicles to take the brunt of the force. The driver of the minivan did not survive the crash.

First responders say the driver of the Lexus was alive when they arrived at the scene, but was critically injured and smelled of alcohol. She was airlifted to Vanderbilt Medical Center where she remains. Police say the woman will be arrested and charged once she is released from the hospital.

The Tennessee DUI Accident Attorneys with Hughes & Coleman Injury Lawyers ask that we all do our part to contribute to making our state’s highways safer by never getting behind the wheel after consuming alcohol. It’s a simple choice that will save lives.

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16
Feb

Who Pays the Injured Victim’s Medical Bills after a Wreck?

Many clients don’t realize that they have access to $10,000 to pay their medical bills after a wreck, no matter who is at fault.  Because of this, some of my clients did not seek medical treatment initially after the wreck or delayed their treatment.  In Kentucky, all injured parties are entitled to $10,000 in Personal Injury Protection (PIP) benefits, unless they have expressly rejected that coverage or were riding a motorcycle and did not purchase separate PIP coverage.  The insurance company covering the vehicle you were riding in will pay up to $10,000 toward your medical bills and lost wages.  If you were injured as a pedestrian, the insurance company covering the car that hit you will be responsible for paying those PIP benefits.

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