insurance company Archives

Car Accident Lawsuit: How You Can Protect Yourself

Published on February 17, 2021

Immediately after a car accident, you probably aren’t really thinking about the possible legal battle that lies ahead. Instead, you are most likely focused on other things. The damage to your vehicle and any injuries you may have sustained probably occupy much of your thoughts. However, it is important to consider the legal ramifications immediately, as well, because you should already be taking steps to ensure the best possible legal outcome.

At the Scene

Immediately following a car accident, there are several steps that you should take both for your legal case as well as for your physical well-being.

Stop Your Car

The first thing to do after a car accident is to pull your vehicle off of the roadway. You need to come to a complete stop and shut off your engine.

Check for Injuries

Once you are safely out of the road, you should check to see if you are injured. The adrenaline from the accident will likely mask any pain you might be feeling, so it is necessary to do a physical and visual check of your body. After examining yourself, you should check on any passengers in your vehicle.

If you have no passengers, or if everyone is fine, carefully exit your car. Make your way over to check on anyone else who was involved in the accident. If anyone is hurt, call 911 and follow the instructions of the 911 operator.

Call the Police

If you already called 911, then the police should be heading to the scene. Otherwise, you will want to call the police now because you will need to file an accident report.

Talk to Any Other Drivers Involved

You will need to talk to anyone else involved in the accident to exchange insurance information. While doing so, be careful about what you say. Never admit fault. Avoid talking about the accident in general. You might both be nice, honest people not looking for a legal battle. However, when it comes time to file insurance claims and pay medical bills and repair costs, things can quickly grow contentious.

Gather Information From the Scene

Take pictures of everything and write down information about the cars involved, weather conditions, and anything else that could have played a role in the accident. If there is missing road signage, then the city could be liable for the accident rather than either driver. The more information you can gather, the easier time your lawyer will have when building your case.

File an Accident Report

Talk to the police when they arrive on the scene and file an accident report about what happened. Do not lie in the report, but also don’t incriminate yourself.

After Leaving the Scene

Your job in protecting yourself does not end at the scene of the accident.

Seek Medical Attention

Even if you feel like you are uninjured, it is imperative to receive a thorough medical examination after a car accident. Many injuries are hard to immediately detect. Skipping an examination only to discover a problem days later can damage any claim for compensation you might make. The delay provides for reasonable doubt about whether the accident was the cause of the injury or not.

You should let paramedics at the scene check on you, and whether they feel you need to go to the hospital or not, you should still go in to get a more thorough exam. Beyond the legal implications that can arise from delaying medical attention, there can be severe consequences for your health.

Talk to a Lawyer

Contacting a car accident lawyer in Los Angeles is essential to your protection after a crash. A lawyer can immediately begin to advise you. They will help ensure that you don’t do or say anything that could hurt your insurance claim or your legal case should you go to court. If you were clearly not at fault for the accident, the other driver’s insurance company may try to contact you within hours of the incident. Click here to get in touch with a car accident lawyer in LA.

Insurance companies hate to pay out claims and have a whole bag of tricks to get claimants to undervalue their claims or make it so that they can deny them entirely. When you hire a lawyer, they will immediately take over all discussions with the insurance company. That way, you don’t have to worry about messing things up yourself.

Talking to a lawyer early also helps them to begin their investigation into the accident while the evidence is all still fresh.

Contact Your Insurance Company

Whether you were at fault or not, you need to contact your insurance agency after a crash. You don’t have to go into specifics. You just need to report that you were in an accident.

Stay Off Social Media

Do not share anything about your accident on social media. Even if you think your post is harmless, it could end up coming back to bite you. When investigating an accident, social media has become a favorite tool for insurance companies and lawyers looking for material they can use. Even if your settings are private, there is no guarantee that the things you post on your account cannot be used against you in court.

Avoiding social media altogether following an accident is the best course of action. Even a post that you feel is unrelated could be used against you. For instance, if you are making a claim about an injury and pain and suffering, but you put up a post saying, “Feeling great!” a week after the accident, it will cast doubt.

Overall Advice

Anytime you are facing the possibility of any sort of legal dispute, the best thing you can do is to keep your mouth shut. The first thing your lawyer will tell you will be not to talk to anyone. Beyond social media, you shouldn’t talk to friends about the accident beyond the basics. You can tell them that you were in an accident and that you are going to live.

Obviously, your spouse needs to know more details, but most people don’t. You can fill others in on all the details once the case has settled.

Get The Right Insurance Policy Using Insurance Broker in Melbourne

Published on June 29, 2020

Insurance

Insurance policy is the most important aspect in almost all fields, beginning from health, business, life, vehicle, etc.

And getting the appropriate insurance is quite a hectic and tricky job, where comes the role of an insurance broker with the help of which the process comes down considerably, these are 12 ways how you can choose an apt policy via a Melbourne insurance broker:

Speaking out your needs to the broker:

The necessity to get the right type of insurance policy via a broker is firstly speaking out your mind. Before getting yourself apt insurance, the first and foremost work is to sit with your broker and speak of the things you want to be involved in your policy.

This includes your budget for the premium, the coverages you are looking for, etc. so that when he narrows down your option, he can do it accordingly.

Measuring the cost-benefit ratio:

Striking the right balance between the cost percentage and benefit percentage can be considered one of the major ways to get the right insurance. This basically means that the finance you are investing in must be proportional to the benefits you would be receiving.

And this can be availed with the help of an insurance broker. Appoint your insurance broker to bring you such a range of policies that measure a certain balance in the cost and benefit ratio.

Understanding the coverage, they’re offering:

Coming to know the fundamentals of a certain policy is of extreme need, yet information given in the company website about policies might not be comprehensible to all.

Therefore, it becomes important for you to reach out to an insurance broker to get to understand the coverage terms and conditions.

Looking into the add on benefits:

Another way to get the right insurance using a broker is by enquiring about the various additional benefits almost all kinds of policies tend to offer. This add-on can change from one policy to another hence changing the available benefits too in the process.

Hence make use of your insurance broker to scratch out that one policy among the very many that has the best add-on benefits.

Asking about the planned strategies:

Claiming, paying premiums, helping with add on benefits, etc. are just the successful results of well thought out plans and strategies. Thus ask your broker about the approaches he or she has thought out for you so that you are getting the best possible insurance to work along with.

Going through their ways and techniques of working:

Each insurance broker is different from the other. Hence the ways of your insurance broker must align with your comfort levels, or else with lack of coordination, the situation might not turn out to be favorable.

Thus be sure that you are well at ease with how they work and function along to bring in the policy. This will help you in getting the best insurance policy.

Making them compare the various coverages:

Extensive research and comparison is the ultimate way of getting the best coverage. Now it might not be possible for you to sit and compare various coverages and premiums of policies. Hence immediately appoint your insurance broker to do so.

Get him to compare all the policies relatable to your choice and help to pay for the best one doing in. This way, you can be assured to be enjoying the best of the best.

Working them up to review your coverage regularly:

Premiums and coverages change with time; hence regularly working on the insurance policy is another hack to get the right insurance. And since you might not be qualified enough to understand all of the paperwork, hence get your insurance broker to look into coverage frequently and review and remodify them accordingly.

This reviewing is especially a must during the time of renewing the policy so to avail the best coverage possible.

Informing oneself about the benefits and drawbacks:

Relying on your insurance broker is definitely acceptable. But in the process remaining ignorant about the harms and profits of it is not done. For in the case your insurer guiles you, you’ll need to understand that and thus take action.

Hence make use of your insurance broker and let him detail you about the advantages and disadvantages so that via him, you enjoy the best coverage.

Getting them to promise to honest and unbiased decisions:

Every word spoken by insurance brokers holds much weightage because somewhere or the other, you tend to listen to them after all. And their decisions can both uplift and cause the downfall of your company.

Hence to avail the right insurance, you need to make them give their words to you that they will only and only give out suggestions beneficial to you and not to promote or help any other insurance company.

Allowing them to take the necessary calls:

Availing the right insurance isn’t always easy for those not having a professional influence, and one’s amateur decision can lead to harm. Also, some loopholes can be enjoyed through major hacks known to those working in a field professionally.

Hence during tough times or at times of claims, etc. do not hesitate to put your trust in your broker and allow them to make the needful choices.

Abiding by their professional inputs:

Last but not least, it is always advisable for you to listen to the advice your broker will give you. Always keep in mind that they are dire professionals and experts in this very field, and for you to enjoy the right insurance, always use their intelligence and experience.

If, in any case, you are not convinced with what they are suggesting, rather than ignoring it choose to sit and talk out the matter.

Conclusion:

These 12 guidelines are a must to be followed while using a Melbourne insurance broker, or else the process of gaining the right insurance policy might become quite difficult.

Top Reasons Workers’ Compensation Claims Are Denied

Published on June 12, 2020June 12, 2020

Tips

Were you injured at work and now find you are unable to return to work? For those who answered “yes,” to this question, the next step is to file a claim to receive workers’ compensation benefits. However, there are several reasons your claim may not be approved. If your claim is denied, though, it does not mean it is the end of the road.

If you have recently been denied your benefits or if you have been injured and don’t know what the next steps are, hiring a workers’ compensation attorney like the team at zavodnicklaw.com is a smart move. It is also a good idea to get to know the most common reasons that claims are denied, which are found below.

You Failed to Notify Your Employer in a Timely Manner

You must report an injury to your employer when it occurs. If you fail to do this, several factors may come into play that makes it easier for the insurance company to try to deny your claim.

For example, if you do not tell them right away, they may not have the time or ability to investigate the accident right away because of the amount of time that has passed. In some cases, the insurance provider for the workers’ compensation injury may state you did not suffer the injury while at work or in the course of your job. They make this conclusion because if you are injured, you would report the incident immediately.

The Injury Did Not Take Place During Typical Work Activities

If the injury you experienced did not happen while you were at work, you will not be able to receive benefits, in most situations. However, there are some grey areas related to this ruling. For example, if the injury took place during a work event or even while you were on break, there are some factors that will come into play and need to be considered.

You Did Not Visit the Right Medical Provider

Your employer, along with its insurance company, has the right to provide you with a list of doctors who are approved to provide you with treatment. The problem with this is that the doctors on this list may not always have your best interest top of mind when it comes to your claim. You also have the right to select your own doctor, too. If you find competing options from these two sides, it is a good idea to hire an attorney immediately.

There Is a Pre-Existing Injury Involved

If you have a pre-existing injury or condition, the insurance company may use it to deny your claim. However, there are many work injuries that will make a pre-existing condition worse than before, which means you are now in a position where you are unable to work when you could before. This, like many other scenarios, is a good example of when it is smart to get an attorney involved.

No Supporting Medical Records

If you have not received any medical treatment related to your work injury, the insurance company may state that the injury did not exist when you claim it happened. Also, if you are laid off between when you are injured and when you file the workers’ compensation claim, it may be said that it as a cause and effect situation, and not related to the injury you experienced.

The best way to make sure your claim has the best chance possible of being successful is to get to a doctor right away. Keep in mind though, the doctor you choose to provide care for your work-related injury matters, as previously mentioned.

The Paperwork Was Not Filed in a Timely Manner

Along with reporting the injury to your employer and taking the other necessary steps, it is essential that you file the paperwork in a timely manner if you want to file a workers’ compensation claim.

If you happen to miss the deadline or timeframe, you may have the validity of your claim questioned by the company providing workers’ compensation coverage to your employer.

The Injury Took Place Outside of Typical Job Duties

If you suffer an injury because of horseplay, a fight, or some other type of work-related action, then your claim will probably be denied. Also, depending on the investigation that is done of this incident, it could be misreported by the company. So if the claim is denied, it is only going to be legitimate, if this is what caused the injury at work.

You Can’t Explain Your Injury

During the regular grind of a typical workday, you may suffer an injury and not even realize it immediately. This makes it difficult to determine why and when the injury actually took place. While this is true, it does not mean you are not allowed to file a claim.

Your Employer Has Disputed the Claim

While this goes along with some of the other reasons listed above, the truth is, an employer may dispute a claim that has been filed. This is why it is so important that you report your injury immediately and that you begin the process to receive the compensation you deserve.

If there were any witnesses to your injury, they should be included in your initial report to minimize the likelihood that this will happen.

You Didn’t Hire a Workers’ Compensation Attorney

Regardless of the situation, having a workers’ compensation attorney involved as early as possible is essential to have the claim approved. If you have been denied, an attorney will also help you review the claim and set you up for approval.

You Can’t Afford to Make a Mistake

When it comes to filing for workers’ compensation following a workplace injury or accident, you need to make sure you have a plan. You must also know what mistakes you should avoid.

Hiring an attorney is also a smart move, as this is going to help ensure the desired results are achieved. While there are no guarantees when it comes to workers’ compensation, knowing what to do and what to expect is crucial.

Negotiating Medical Liens: How Healthcare Lawyer Can Help

Published on April 30, 2020April 30, 2020

Health

As a personal injury victim, whether you receive healthcare treatment from a hospital or a private healthcare professional, you owe a given amount in bills to the medical facility or the healthcare professional. The healthcare provider has a right to place a lien on your injury settlement to ensure that they receive payments after your compensation is disbursed.

For starters, a lien is a notice of financial interest or a claim that a creditor (in this case a health provider or insurance carrier) can assert against your personal injury case. In other words, a lien allows your creditors to put a claim to be paid out of case settlement proceeds. If your insurance carrier or health provider has been covering your medical bills, they may be entitled to reimbursements once your personal injury case is settled.

So, once your case is settled, you may be required to pay your health care providers any outstanding balances or insurance company the subrogated amount. This implies that you will receive less of the settlement amount. In certain circumstances, the lien could even limit the cost of ongoing treatment or put some restrictions on the services that you may receive from a healthcare facility.

Without removing the lien, you may not get the necessary care to resolve your current medical issue. This is where a healthcare lawyer comes in. A lawyer may help you remove it or negotiate the subrogated amount down. This may help you receive the necessary care that you need without any limitation or walk away with a bigger portion of the settlement proceeds.

HOW HEALTHCARE LAWYER MAY HELP IN NEGOTIATIONS

As hinted, it is possible to get the lien holder (your healthcare provider or insurance company) to accept less the amount that they contributed towards your treatment. This can be done if you work with an attorney to push for you the lien claim to be reduced by the medical providers or insurance company that hold a lien against you. The good news is that you don’t need to pay attorney fees because it can also be deducted from the fund. Under the “fund doctrine”, lawyers who create funds for the benefit of their clients are entitled to reimbursement from the funds in terms of attorney fees.

In certain circumstances, worker’s compensation providers understand that the medical lien may be so huge that it makes less economic sense to litigate. For instance, if the lien is more than the amount that you are likely to receive from the lawsuit, you may choose not to sue. In such a case, you may need an attorney to negotiate with the carrier to resolve the lien for a lesser amount than the face value of the claim.

Besides, trying to interpret the billing codes, legal forms or the contract language on your own is not easy and can be costly. And don’t assume that you are safe simply because you haven’t received any claim from your insurance company or Medicare. In some cases, government medical liens may even show up in 6 years. Yes, state laws allow some forms of medical liens to remain valid for years after your settlement. Learn more here on healthcarefraudgroup.com

A healthcare lawyer has the experience of negotiating a wide range of medical liens, including

Medicaid, Medicare or VA. He or she knows what to say and the right people to contact to get you the results that you need. Attorneys also know most of the medical liens in your state and how to protect your rights effectively. They will, therefore, fight hard to get you a full or fair percentage of the settlement amount.

Your healthcare lawyer also has fiduciary obligations to assist you in negotiating or removing a medical lien if it could lead to negative consequences to your health or well-being. You are entitled to receive the necessary care and actions performed by your attorney, including the accounting of property, financial issues, and other complications. In other words, if you sign a contract for attorney services, negotiating or removing a medical lien may be a provision of the paperwork.

SOME WAYS OF NEGOTIATING FOR THE DECREASING MEDICAL LIEN

Firstly, you should make a call to the lienholder for dealing with negotiating the consistent agreement as well. “Consistent” proves that you or lienholder can handle the lien for a little amount.

When you write to the Notice, please make a phone call to the insurance company for further information. Next, making the best use of the number in the corner of notice for determining your circumstance.

Besides, you should grab the list of each medial fares comprised the lien. Let’s go through the list to search for

– Credits: Search for credit that you have to pay. In other words, the deductibles you pay could distribute the expense of every service fare.

– Related stuff: The medical receipts comprised in lien could be involved in some hurting claim. Unrelated fares such as daily care and flu sickness could not be supported in the lien component.

– Duplicates: You need to guarantee that you have to pay for a single time for every medical service. You could check the date for every service or kind of service as well.

As usual, the medicine lien lists could take the most advantage of billing codes for referring the medical services. Thus, you could check the various billing codes online for obtaining an initiative of service.

On top of it, you should not mark up the initial list. Next, create an authentic copy for other purposes to examine or note the cautious line for some false entries. Do not take highlighters since highlights could not show for photocopy pages at all.

Last but not least, maintain the marked copy independently. Next, let’s return it to the lienholder along with the cover letter for clarifying the amount which could be extracted because of false entries.

EFFECTIVE WAYS OF NEGOTIATING THE LIEN

Keep in mind that commit to the insurance plant lien. You do not have anything to lose or stuff to develop as well. While the insurance plant is certified for each agreement of your injury regulation, they could compromise when you pay for the lien can lead to some unexpected hardship.

There are time-checked controversies for compromise below

– The therapy expenses can be derived from the settlement funds at all.

– You should require further therapy that might not be included in your insurance strategy.

– You are permanently handicapped from the injuries or request the settlement funds for the long-term treatment.

– You require the settlement buck for paying the invoices when looking for the perfect job, particularly when one of them was quitting the occupation.

– An amount of the settlement is reimbursed for your hurt or injuries.

Apart from it, you can tend to negotiate the consistency very well. At the same time, you are ignored along with the untreated low amount of compensation for any types of injuries or aches. In other words, you could request the settlement to limit the hardship.

Note: When the lien amount is tiny than your settlement, for instance, the $5000 medicine lien for $15,000 settlement, users can use some proofs for hardship to deal with this lien subtraction as well.

Governmental Medicine Lien

When the medicare and veterans bureau pay for your therapy expenses involved in the accident, they can get a suitable lien for their settlement procedures. Next, when you do not have the notice at all, please do not waste some settlement cost anymore. Because the medicare can be extended until six years later for assuming you are alien.

When you can not pay, we highly recommend that you could receive the penalties or interest until two times of the older great amount of lien.

On top of it, users could make the entire great deal of money via the bank acc. Then, keep waiting for six years or prepare for the next step to deal with a decreased tradeoff for the lien.

BOTTOM LINES

If a medical lien is filed against your personal injury case, working with a healthcare attorney is the best step you can take. Even better is the fact that most attorneys don’t even charge you for the initial consultation. So, you won’t incur any cost when trying to find what a good healthcare lawyer can do for you.

How a Personal Injury Lawyer Can Help Win a Case?

Published on January 17, 2020

Business

It goes without saying that accidents can happen to anyone anywhere, no matter how careful an individual is. As horrible and frightening as they are, they are even worse when they occur to someone due to another person’s negligence.

In instances when someone else is at fault for your misfortune, you have the right to request compensation that will aid in covering any hospital bills you might have, your time off of work, as well as any emotional trauma you might have suffered.

These claims can be made in a variety of situations from motor vehicle accidents to dog bites and while in some cases getting the compensation can be handled easily through insurance, in others, it can be quite tricky. This is why hiring a professional who knows everything about personal injury law might be the smartest decision to make.

However, if you are still wary of getting a lawyer or are uncertain of exactly what they can do for you, here are some things to know that might help you understand the benefits a bit better.

How Can They Help?

With Experience

It is most likely that your case is not the first of its kind the lawyer is working on. So not only have they gained experience through past suits, but they also have a good understanding of insurance company maneuvers and vast knowledge of the law.

This way, you will not be required to do any extensive research since everything will be explained to you and even simplified if needed and you will be talked through all your options as well.

By Eliminating Red Tape

For those unfamiliar with the term, red tape is a term used to describe a process that involves going through a lot of procedures and filling out a lot of official forms in order to accomplish something. This is a thing insurance agencies are known for.

However, getting a professional entails that everything will be dealt with for you, meaning there is no need to worry about paperwork, knowing the law, or understanding complicated medical or legal terminology.

By Offering Objectivity

Getting harmed, especially if it is not your fault, can make you feel angry, emotional, and frustrated. Going through such feelings makes it hard for people to make good, rational decisions and to remain calm and objective.

Since an attorney has no personal stakes in the matter, they will always keep a cool head and remain objective, providing you with an outside perspective and a realistic view of the situation. This way, you can rest assured that they will make the best decisions possible on your behalf and ensure that you are compensated accordingly.

They Can Help You Save Money

Many firms operate on the principle of not taking fees unless they win the suit, meaning that you will not need to pay for the company’s services unless the outcome is in your favor.

Moreover, certain firms such as Foyle Legal who specialize in motor vehicle accident claims offer free consultation and can provide you with a quick initial assessment and give you advice on what needs to be done since the lawyers deal with such litigations daily.

Save Your Time

For people who have to work or take care of their families, the entire process is immensely time-consuming. From reviewing files and medical charts, obtaining all the necessary records and documents to communicating and dealing with insurance companies and contacting all the necessary people, all of it takes time but also effort and energy.

Instead of having to go through everything yourself, an experienced professional can do it for you and probably much faster and more efficiently too.

By Providing Alternative Solutions

In the U.S. a quarter of all filed court cases were personal injury claims in 2015 while in Australia, the total number of serious claims declined by 18% in 2016-17. However, according to research, these countries share something in common – a large number of people did not request any compensation or have dealt with the suit without consulting an attorney.

Yet this is something that should be avoided since more often than not, these professionals can advise you whether to actually take it all the way to the courtroom or not. Many times, other types of resolutions can get the job done much faster and easier, not to mention that they are cheaper too.

Additionally, they can take a look at your situation and all of the facts and tell you whether you should take action in the first place.

Representing You in Trials

Individuals have the choice to represent themselves during a trial, however, the odds of winning are in no way favorable, especially when going against experienced defense legal representatives. This is why hiring a professional is more likely to get you a favorable jury verdict and ensure you get the compensation you deserve.

Working Closely with Investigators

Many attorneys collaborate with a team of investigators who help them build your case by going through and examining every little detail there is from police reports and witness interviews to re-enactments and everything in between.

They Can Get You Higher Settlements

Settlements entail agreeing on taking a negotiated sum of money instead of going to trial. Statistically, people who have legal advisers by their side during settlements walk away with more money than what would have been negotiated otherwise, so if your attorney advises you to opt for it, you should follow that advice. After all, they have the most experience when it comes to getting you the best outcome possible.

Conclusion

Hopefully, now you have a little more understanding of why hiring an attorney for these types of litigations is important and how it can be beneficial to an individual.

It is important to remember that your lawyer will always have your best interests in mind, so hiring one might be the best thing to do, not only to ensure your legal safety but also to protect your rights and to help you get the most out of your claim.

Best Way To Compare Home Insurance Provider In Ontario

Published on January 15, 2020January 21, 2020

Insurance

If you have just bought a new house or are contemplating changing your home insurance company in Ontario, this information has the right content for you. After all, your home needs protection, just like your health and car, to pay for unexpected expenses due to potential disasters. Having home insurance in place will cover the perils without breaking your bank.

Choosing the right policy and coverage online or from a home insurance provider in Ontario region is not just about finding the lowest price on the list of quotes. It is essential to check for deductibles, limitations, terms, and conditions in the policy you plan to purchase. You can then tailor that policy to fit your needs and budget, but only after reading the policy in its entirety. The bottom line is, finding an insurance policy that offers the best possible protection for your house, your guests, your personal belongings, among many other things.

But first thing first. Before you hit the order button on the menu, you need to gather all the documentation pertaining to your home; these include mortgage, house details, features, and much else. All this information is required every time you are requesting a quote, either online or from home insurance providers in Ontario. These documents will also come handy when you are comparing various policies in one place.

The next step is to compare various quotes. One policy may appear significantly less than the next one, and you may be quick to grab that offer in no time. But think again. Think about the reason why it is so cheap. Is there a hidden catch? Most certainly, yes. That catch may be in the form of less coverage, high deductible, high limits, or something else. You want a policy that gets the most bang for your buck, right? So, read the fine prints.

High deductible policy means you pay that amount during a claim before the insurer steps in. Now there is a reason why some ‘Policies’ are cheaper than the rest. Again, coverage is another factor to consider during selection. The most reasonable policy that you are attracted to may not be cheap, after all. When something goes wrong, the policy may only cover a part of your loss, unlike the best policies around. Besides, you may have a hard time recovering the damage because of poor customer support, the reluctance of the insurer to agree with your demands, and other possibilities.

Things To Consider While Filling Quote

There are several things you need to give emphasis on while filling the quotation form on the website, below-given points will help you analyze each one and to fill it properly

Quote Questions

These Includes Type of Insurance: You will be mentioning what type of insurance you are looking for on the website you will be provided with three options which are mentioned below.
Homeowner: Choose it when you have a house, and you own the same.
Condo owner: choose a condo in case you own a condo and looking for condo insurance.
Tenants: choose this option if you have rented any property from a landlord.
Address: Mention the exact location as per your documents so that it’s precise and can be used for verification.
Number of Years You Have Lived at This Place

Home Details

Type of Building: Here, you need to mention the type of building you have. This can include townhouse, row house, duplex, triplex, or detached house. Mentioning the clear building types helps to estimate the quoted value.

Do Your Building Have Basement?

Year Construction of the building
Size: Here, you will need to mention the exact dimension of the area your house occupies you will need your house documents to access the information which needs to be precise and accurate.

Garage Type

Here you will be specified by the estimated value by the website of your building.

Personal Info

Specifying your personal details in the next step where you will be asked about your full name, email, phone number your credit score mortgage if any, If you are insurance mention the number of years

It’s always advisable to read all the information provided in the term and conditions of the company that is providing the service, in this case, the broker.

Some insurance companies may not cover certain perils at all. For example, most insurance companies do not cover earthquakes or tornadoes in places that are prone to it. It means you will have to purchase separate coverage for these perils, which equates to a higher premium. The best way to find out is to seek professional help from a home insurance provider in Ontario, like My Insurance Broker. For more information, visit its website

Another way to get the best policy for the best price during the comparison of various ‘Policies’ is to look for discounts. Most insurers offer discounts for home features, such as safety alarms, fire alarms, smoke detectors, gated communities, claim-free history, water safety system, and so on. And these features can save a lot of money in the long run. However, make sure to read the terms on the policy paper before signing up for one. Sometimes, the savings may not appear unless you take action, like signing up for a safety product, activating certain features or extending the coverage for subsequent years. While one company’s discounts may last as long as the insured individual remains claim-free, another company may offer these discounts for a limited amount of time.

What Types of Compensation Are You Eligible for After a Car Accident?

Published on November 14, 2019

Cars

If you find yourself involved in a car accident that wasn’t your fault, you may be eligible to seek legal compensation. As a standard, the insurance company of the offending driver may reach out to you with an initial offer, covering damage to your vehicle, your property, and your body. But in many cases, this amount doesn’t cover the full extent of the damages.

According to Craig Swapp, if you talk to a lawyer, you’ll learn that you can often enter a negotiation to try and receive more compensation for damages. In some cases, this will move to the court system, where you’ll make a case to receive a bigger payout.

But what types of compensation, exactly, could you be eligible for after a car accident?

Types of Compensation

These are some of the most common types of compensation you could expect to receive:

Property damage. The most obvious source of compensation is likely property damage—any damages sustained by your car, possessions, and other forms of personal property. For example, if you own a $15,000 car and it was totaled, you’ll be entitled to $15,000 (minus depreciation). If you were transporting items and those items were damaged in the crash, you may receive compensation for them as well. The same is true if your home or other physical property is harmed in the accident.
Medical costs. Next, you’ll be entitled to direct medical costs associated with your injuries. This includes immediate costs, like the cost of an ambulance ride and hospital visit after the accident, as well as the costs of long-term care, like the costs of follow-up appointments and physical therapy. You’ll need to provide proof of most of these expenses, so make sure you’re attending your appointments regularly.
Lost wages. If you miss work because of the accident, you’ll also be entitled to any wages that you lost. For example, if you make $200 a day, and you miss 3 days of work due to being in the hospital after the accident, you could be able to reclaim up to $600.
Lost earning potential. Things get even more complicated when you factor in lost earning potential. Here, you’ll be entitled to compensation for whatever work you might have been able to do, were it not for the accident. This often applies to jobs that involve manual labor; in some cases, your working capacity will permanently diminish after an accident. A good lawyer will make sure you’re compensated accordingly.
Pain and suffering. The legal concept of pain and suffering allows you to receive additional money to make up for the negative subjective experiences you had as a result of the accident. For example, if you experienced significant pain in the wake of the accident, or if you’re struggling with ongoing emotional issues because of the trauma, you could be entitled to further compensation.
Loss of consortium. In some cases, you may qualify for loss of consortium. Here, you’ll be able to receive additional compensation if your primary relationship/partnership has been negatively affected by the accident, like if you’re no longer able to give or receive emotional support in the relationship.
Punitive damages. On top of that, the courts may order the offending driver to pay punitive damages, which are designed to penalize the person in the wrong. These are most commonly applied to egregious cases, like if the other driver was driving while intoxicated.

Variables That Affect Your Payout

That said, there are several variables that could affect your payout, including:

Fault. Different states have different systems for determining “fault” in an auto accident. If you’re found to be partially at fault for the accident, you may receive a lower payout. If you’re determined to be half at fault or fully at fault, you may not get compensation at all.
Severity. The extent of your sustained damages will also factor into the equation. Obviously, the more extensive your injuries are and the more damage your property sustained, the more you’ll be entitled to receive.
Proof. In some cases, your evidence may be unsatisfactory, or too minimal to warrant action. For example, you may not be able to conclusively prove that the accident was the other driver’s fault, or you may not have ample documentation to prove the extent of your injuries. This can complicate your case.

If you’ve been involved in any type of accident, with any level of damages, it’s in your best interest to talk to a lawyer. Your lawyer will be able to provide you with a high-level assessment of your potential claim, and provide you with advice on how to proceed—oftentimes for free, if it’s an initial consultation. It’s entirely within your power to decide where to go from there.

What Can You Do After a Hit and Run Accident?

Published on October 5, 2019

Cars

Hit and run accidents can be traumatizing and for more than one reason. Not only will you likely be suffering from the physical injuries you sustained in the crash, but you may also be dealing with the anxiety and stress of knowing the driver who hit you fled the scene.

It may not seem like you have any recourse, especially in the immediate aftermath of such an accident, but you do have some options, according to Custodio and Dubey, LLP. These options include talking to a lawyer and hiring a private investigator. Depending on what kind of insurance you have, the accident may be covered.

But let’s start with the moments immediately following the accident. What can you do?

Following the Accident

Let’s say you’re the victim of a hit and run. As a pedestrian or a fellow driver, you’ve been hit by another motorist, and they’ve visibly fled the scene.

These are your first priorities:

Try to collect any information you can. You may only have a few seconds before the fleeing driver is gone forever. Try to regain your senses and collect whatever information you can. Try to remember the make and model of the car that hit you, at the very least, and if possible, collect the license plate. Any details you can remember could be valuable, including any peculiar noises made by the vehicle, what the driver looked like, and the direction they headed immediately following the accident.
Get to safety. Get to safety as quickly as possible. If you or your car remain in harm’s way, you could end up facing even more injuries and more damage. Even worse, if your car remains in the middle of the road, it could end up being a link in a long chain reaction of further accidents. If the car is drivable, get it to the side of the road, and get yourself to the side of the road as soon as possible without putting yourself in jeopardy.
Call the police and file a report. Having a police report on file is a practical necessity. It’s going to serve an important purpose in the investigations and insurance procedures to follow, and it could be the first step in a successful police investigation. Call the police immediately and file a report if you can.
Contact potential witnesses. While you’re waiting for the police to arrive, see if you can find any witnesses to the crime. Other drivers may have pulled over; ask them if they were able to get a license plate or collect details on the vehicle. Be sure to get their contact information, too, so you can follow up with them if necessary.
Get medical attention. If you’ve suffered serious injuries, you should call an ambulance before anything else. If you’ve only suffered light to moderate injuries, it’s still a good idea to get checked out at a local hospital—but you may be able to do this after the scene is cleared and the police report is filed.

Your Insurance

Most car insurance companies offer what’s known as uninsured and/or underinsured coverage. Basically, this coverage kicks in when an uninsured motorist or a motorist with insufficient insurance coverage is found at fault in an accident involving your vehicle. In many cases, this also applies to a hit and run; if the fleeing driver is found to be at fault for the accident, this portion of your insurance policy should cover the damages.

However, this still isn’t ideal. If the fleeing driver gets away without penalty, they may be likely to commit the offense again in the future. Plus, even if your insurance policy covers the initial damage to your vehicle, your insurance premiums may increase in the months and years that follow.

Talking to a Lawyer

In the days that follow your accident, try to get in contact with a lawyer. Most lawyers offer a free initial consultation, so you have nothing to lose by doing this. Give them a copy of the police report and discuss all the details of your case. Depending on the situation, they may have the resources necessary to help track down the offending driver—and hold them accountable for the accident. They may also be able to recommend an alternate course of action; for example, they may recommend you hire a private investigator, or may be frank and tell you there isn’t much hope of catching the fleeing driver.

Being on the receiving end of a hit and run can be devastating, but it doesn’t have to be the end of the line. If you react quickly and collect whatever information you can, and if you spend some time working with a lawyer and/or your insurance company, there’s a good chance you can recover some, if not all of the damages.

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