When You’re involved in a Car Accident with an Uninsured or Underinsured Motorist

While most states require a minimum amount of liability insurance to be carried by motorists, the Insurance Research Council’s most recent report of uninsured motorists (2001) estimates that 14 percent of the motorists in the U.S. do not carry auto accident insurance. That means that if you are involved in a car accident, there is a 1 in 7 chance that the at-fault driver is uninsured. And this does not take into account the extreme disparity between states which may make your chances of being involved in an accident with an uninsured motorist much more likely in one state than another. Continue reading

Important things to know about Insurance Adjusters

Being involved in an accident of any kind is a scary thing. Not only do you have medical bills to deal with, but you must struggle to meet the costs demanded of daily living, like paying the rent, buying food and taking care of your children. When you are facing tremendous bills and don’t know how you’re going to pull through, you may be tempted to accept the first settlement offer presented to you by an insurance company. Below is important information you need to be aware of when dealing with insurance adjusters. Continue reading

Understanding No-Fault Insurance

Under traditional systems of accident law, or an “at-fault system,” people injured in a car accident may sue the responsible party to recover damages sustained as a result of the accident. While most states adhere to an at-fault system of accident law when it comes to automobile accidents, there are several states that have a “no-fault system” in place. Continue reading

Insurance Settlements

After you are injured in an accident, getting the amount of money to which you are entitled can be a painstaking process if you are uninformed. The truth is, most of the general population is uninformed when it comes to determining how much a claim is worth—and most insurance adjusters are counting on that. Continue reading