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Car Accidents

Obtener su deducible de seguro de automóvil de nuevo para su reclamación de daños de vehículos?

By on Aug 8, 2017 in blog, Car Accidents, Personal Injury, Uncategorized | 0 comments

¿Cómo obtiene su deducible de seguro de automóvil para su reclamo por daños a la propiedad? Digamos que usted está conduciendo por Redwood Road en West Valley City cuando se detiene en una luz roja. Desafortunadamente, el vehículo detrás de ti no se detiene y te golpea, golpeándote adelante. Su parachoques y el maletero de su coche están completamente destrozados. Ya no puede conducir su coche. El accidente automovilístico no fue tu culpa. Usted llega a la compañía de seguros de la persona que le golpeó y no devolver sus llamadas telefónicas. Usted necesita su coche fijado así que usted puede ir a trabajar, así que usted no puede sentarse alrededor de esperar para siempre para oír detrás de la compañía de la otra persona de seguro. Así que usted decide tener su compañía de seguros para arreglar su coche. Entonces usted descubre que tendrá que cubrir el deducible de $ 250 o $ 500. Pero el accidente no fue tu culpa! Hay algunas opciones. Dependiendo de qué compañía de seguros tiene y la situación con el accidente, algunas compañías de seguros en realidad renunciar a su deducible. Lo hacen porque pueden ver que se les reembolsará de la otra compañía de seguros. Otra opción es llegar a su cuenta de ahorros y pagar el deducible de su bolsillo. Si elige esta opción, asumiendo que el accidente no fue culpa suya, casi siempre obtendrá el dinero deducible más tarde. Tenga en cuenta que a veces el proceso puede tomar un tiempo dependiendo de la rapidez con que su propia compañía de seguros envía una solicitud a la otra compañía de seguros para pagarles todo lo que pagaron para arreglar su vehículo, más su deducible. Aunque normalmente esto sólo toma varias semanas, he visto situaciones en las que este proceso ha tomado varios meses, si no más. Mucho depende de la agresividad de su compañía de seguros. ¿Qué pasa si la compañía de seguros no renuncia al deducible y no tiene el dinero para pagar el deducible de su bolsillo? Aquí es donde tener un despacho de abogados ayudando con el accidente, como el nuestro, puede ser un gran beneficio. Si usted también tiene un caso de lesiones que estamos...

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Getting your automobile insurance deductible back for your vehicle damage claim?

By on Aug 8, 2017 in blog, Car Accidents, Personal Injury | 0 comments

How do you get your automobile insurance deductible back for your property damage claim? Let’s say you are driving down Redwood Road in West Valley City when you come to a stop at a red light. Unfortunately, the vehicle behind you doesn’t stop and hits you, slamming you forward.  Your bumper and the trunk of your car are completely smashed in.  You can’t drive your car anymore. The car accident wasn’t your fault. You reach out to the insurance company of the person that hit you and they don’t return your phone calls. You need your car fixed so you can go to work, so you can’t sit around waiting forever to hear back from the other person’s insurance company. So you decide to have your insurance company fix your car. Then you find out you will have to cover the $250 or $500 deductible. But the accident wasn’t your fault! There are a few options. Depending on which insurance company you have and the situation with the accident, some insurance companies will actually waive your deductible. They do this because they can see that they will get reimbursed from the other insurance company. Another option is to reach into your savings account and pay the deductible out of pocket. If you choose this option, assuming the accident was not your fault, you will nearly always get the deductible money back later. Keep in mind that sometimes the process can take a while depending on how quickly your own insurance company sends a request to the other insurance company to pay them back everything they paid to fix your vehicle, plus your deductible. While typically this takes only several weeks, I’ve seen situations where this process has taken several months, if not longer. A lot depends on how aggressive your insurance company is. What if you insurance company won’t waive the deductible and you don’t have the money to pay the deductible out of pocket? This is where having a law office helping you with the accident, such as ours, can be a big benefit. If you also have an injury case that we are handling, we can arrange for a cash advance for you to cover the deductible. Keep...

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Getting compensation and a settlement after a car accident

By on Jul 31, 2017 in blog, Car Accidents, Personal Injury, Wrongful Death | 0 comments

Let’s talk about getting compensation and a settlement after a car accident. In Utah, you have to have at least $3,000 in medical bills, or meet another qualification, in order to make a claim for pain and suffering. What is pain and suffering compensation? Compensation for pain and suffering is money that you get to compensate you for having to deal with and endure the pain from the accident. It can also include compensating you for not being able to do the things your normal do as you recuperate from your injuries. This is different from compensation for medical expenses or lost wages, which are usually calculated to the exact dollar amount. In contrast, compensation for pain and suffering is subjective. This is the category of damages where it really helps to have an advocate and lawyer working for you. How much should you be given for a back sprain?  Or a whiplash injury? Or a broken forearm? Or a concussion? Certainly the more serious an injury is, the more your settlement is going to be, which makes sense. As an attorney, I have handled thousands of cases, so I have a pretty good idea of what an insurance company might think is fair for pain in suffering. I also have good knowledge of arbitration awards and jury verdicts, so I also know what possibilities and probabilities might await you should you chose that route. Unfortunately, I have met with people and potential clients that did not realize the true value of their case and settled with the insurance company. Depending on the circumstances, once you have agreed to a settlement and signed a release, it can be difficult, if not impossible, to get out of such settlement. You are basically stuck. That is why it is always good to consult with an attorney before you sign anything with the insurance company. As mentioned above, the more serious injuries you have, the higher your settlement will be. This is also true with the more serious medical treatment you undergo. For example, if you have surgery, like a lumbar or cervical fusion, your case could be worth 10 times more than if you did not have such surgery. The reason...

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How to make a claim if the other driver doesn’t have insurance

By on Jul 19, 2017 in blog, Car Accidents, Personal Injury | 0 comments

How do you make a claim if the other driver doesn’t have insurance? Unfortunately, there are other drivers out there in Salt Lake City and Utah that do not have automobile insurance, as required by the law. What happens when one of these drivers runs a red-light and hits you? Or if one of these drivers is following you too closely on the freeway and rear-ends your car when traffic ahead stops suddenly? Fortunately, there are coverages to protect you from other drivers without insurance. With regards to the damage to your vehicle, if you have full coverage or property damage coverage on your own vehicle, you can use your own insurance to get your car or truck fixed or replaced. You will still have to cover the deductible though unfortunately. However, there is a coverage called uninsured property damage coverage that will cover you in these situations. Most people do not carry this coverage though, but check your policy to see if you have it. If you have been injured, you can make a claim with your own insurance company with what is called an uninsured motorist claim or what is commonly referred to as a UM claim. Normally, your UM limits are equal to your current liability limits. In Utah, the minimum liability limits are $25,000 per person and $65,000 per accident.  However, your policy might much higher limits, such as a $500,000 single limit. The limits is the maximum your insurance company will pay, not what they value your claim at. Therefor, it is still beneficial to hire an attorney, as you will normally get a much higher offer from your insurance company. There are also some good options with going to arbitration against your own insurance, including a statute that allows you to get part of your money up-front from the insurance company, before you even begin the arbitration process. Be aware that sometimes insurance companies will have you sign a waiver to lower your UM coverage or eliminate it completely. They do this because it is a few dollars or small percentage cheaper for you, but it is not worth it in my opinion. I have successfully been able to get some of these...

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How Do I Get the Most Money for My Personal Injury Settlement?

By on Jul 9, 2017 in blog, Car Accidents, Personal Injury, Wrongful Death | 0 comments

How do I get the most money for my personal injury settlement? This is a question I frequently hear when I talk with someone who has been in a car accident. The question is justified as there are often past medical bills to pay, future medical bills, and sometimes a lifetime of suffering. The first issue we have to address is what are the insurance company policy limits? According to Utah law, when you are in a car accident, the other driver is required to have insurance.  The insurance of the other driver will have limits on the amount they will pay on behalf of their driver. The limits are typically broken down into separate categories for bodily injury and property damage. For example, in Utah the minimum is $25,000 per person or $65,000 combined for bodily injury. However, the driver may have insurance limits that are much higher, sometimes $100,000 per person or sometimes even a $500,000 combined single limit. Commercial vehicles, such as most semi-trucks, will have insurance limits even higher. It is not unusual to see a $1,000,000 policy or even a $5,000,000 policy. If the other driver does not have sufficient insurance or have any insurance, another type of claim can be made, which will be addressed in a another blog. The next step to maximize your recovery by getting the necessary and proper treatment. If your doctor or the ER doctor recommends that you see a specialist, you should do this, even if you don’t have health insurance. We can arrange for financing or liens so that our clients can get the treatment that they need. If you do not follow your doctor’s recommendations, the insurance company might point out that you are being non-compliant. Sometimes it is also important to get a second opinion. Some doctors can be dismissive of patients who have been involved in car accidents. I have even seen this in the ER. Maybe the doctor or the ER are overwhelmed on that particular day and they just want to get the patient out as soon as possible so they can treat other patients. In those situations, we can help you find a doctor to get a second opinion. It...

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How do I get surgery after a car accident if I don’t have health insurance?

By on Jun 28, 2017 in blog, Car Accidents, Personal Injury | 0 comments

What do I do if I have been in a car accident and I need surgery, but I don’t have health insurance? If you have been seriously hurt in an auto accident, you may have this very question. If you have a Utah automobile insurance policy, typically your own insurance will cover at least the first $3,000 of your medical bills under the PIP coverage. (This is discussed in my last blog post.) However, a surgery can cost much more than $3,000. Some back and neck surgeries can cost upwards of $100,000. If someone else caused the accident or if you were a passenger in a vehicle where the driver caused the accident, you can make a claim against that person’s insurance company. However, that process can take time and if you are making a claim for a settlement, it is more beneficial to have the surgery first and then receive a settlement later. The reason is because that way you can ensure all your medical bills will be paid and you will receive much more for your settlement. So what are you to do if surgery is required now? One of the things my law firm will do is help you finance your medical procedure. We work with outside companies who will pay for your surgery and then we will pay back the outside company when we settle your case down the road. This will give you the best result, not only for your case, but also so that you receive all the proper medical treatment you need. These companies will only work with your attorney and some only work with certain law firms, like ours. We also have the option of working with a outside company to get you cash directly, which can then be used to pay for medical care or even for groceries or rent while you are recovering from your surgery. There are many options that we have that can be beneficial for you. Please don’t hesitate to contact us today to see what we can do for you....

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