It depends on the facts of the case. If you were hurt, you should get an attorney. If you weren;t hurt and you are just trying to recover your auto damages, an attorney will not be worth the time or the expense. 1.) If you are not hurt, it is going to be really difficult to find an attorney to take the case because the money will be too low. 2.) Any attorney that would take the case is going to be unwilling to actually take the case to trial because it would cost more to prep the case for trial than the case is actually worth. Instead, the attorney is going to negotiate the claim and take a reduced settlement. then the attorney is going to take a 1/3 of the money they collect ultimately taking even more money away from your repairs. 3.) When an attorney gets involved in an insurance claim, it sets off a series of warning signals to the claims adjuster and they are going to handle the case differently. Namely, they are going to hire an attorney to deal with your attorney and the whole thing is going to be drug out over years. Remember, insurance adjusters get threatened with lawsuits everyday. They are not afraid of attorneys. It is a large part of their job. All of this is going to result in you waiting for a really long time to get a disappointing recovery. There is an alternative to getting an attorney however. You can hire a subrogation company that is a member of "inter-company arbitration". The subrogation company can file arbitration against the insurance company and force them to pay the full amount of the repairs. I did this through a company called Cerberus Subrogation Professionals. www.cerberussubro.com It went really well. I didn't have to take a reduced settlement. I got the full amount I was seeking and it was way faster and way cheaper than getting an attorney. As far as I know, Cerberus was the only subrogation company that I could find that is member of arbitration. That is important. If the subrogation company is not a member of arbitration they can't file against the insurance company.
Not if it is deemed to be 100% the other drivers fault and they have insurance.
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
The insurance company has not authority to do what you are describing here. It sounds like you were really charged in this accident and deemed at fault and the Department of Motor Vehicles has suspended your license because you refused to pay a fine for the ticket you got in the accident. Also, the insurance company can file suit against you if you are found to be at fault and you decided not to cooperate with the investigation. If their was two stories as to who was at fault and you decided that you were right so you didn't bother to help the investigation with either company. Next, your insurance company could not fight on your behalf because you wouldn't assist them with the claim investigation. At this point, the claim would be deemed to be your fault and the rest fell into place after that. A company does not have the authority to do anything you have stated here so I don't really know what is happening. Sorry I can't help more.
Not unless there are unusual circumstances. Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.
Your car being deemed a total loss does not have anything to do with the liability of the accident. Your vehicle becomes totalled when the repair cost exceeds the local market value of your vehicle.
The insurers of the driver who was deemed to be at fault for the accident.
Example: The company refused to recycle; therefore, they listed everything they deemed useless as "garbage".
you should report the accident to yours and the other drivers insurance company...typcially no matter how fast you had to stop they driver behind you must maintain a distance to be able to stop from hitting you .... thus being deemed neglient/liable/at fault for the accident
If the damage to a vehicle will cost more to repair than the value of the vehicle before the accident, an insurance company will "total" the vehicle. That means they will pay you what the car was worth before the wreck. At that point the insurance company owns the wreck, not you. You have nothing left to insure, therefore.
Yes, everyone should have umbrella insurance. It will help cover you if an accident happens on your property and it is deemed your fault. Normal insurance has liability limits and it will keep you from going bankrupt after a lawsuit.
Your question is unclear as written. An insurance company that is formed as a stock company does not have "members"; it is owned by its shareholders like any other corporation. However, a "mutual" insurer is owned by it policyholders by virtue of their status as policyholders. In that respect, they might be deemed to be "members"/
Yes, they will help, but they won't buy you a new car. Once your car is deemed totaled, the insurance company will usually pay you the value of the car before the accident minus your deductible. You can either buy back the totaled car and repair it or use the money towards a new car.
In the UK your motor insurance ramains valid for the full term of the original policy, however when you need to renew the cost may well increase because you are deemed to be a higher risk and/or your no claims bonus will be reduced.
If your car is deemed a total loss, the insurance company will only pay up the value of the vehicle. They will have nothing to do with the repairs. If the vehicle is worth $5,000 and the damage is $8,000, you are going to pay $3,000 out of your own pocket. Once the insurance company pays you that $5,000, they are out of the picture. Just be prepared for a 'salvage' fee to be deducted from your settlement by the insurance company. That is what they would have gotten for your vehicle if you had surrendered it to them.
If the car has not been repaired but the damage is cosmetic they will probably insure it for liability only If the car has been repaired it will be no problem to get insurance. If the car is deemed salvage or rebuilt, you can get full coverage, however keep this in mind. A branded title makes the car worth 35% less than average retail. The coverage AFTER the accident , of course would not caver any claims concerning that accident.
In the U.S. since health insurance is privatized it almost never covers fertility in any way unless you pay for special fertility insurance as it is deemed as a pre existing condition. The state that you reside in has nothing to do with it, you will have to cunsult your insurance company for a definite answer.
It depends on who is at-fault for the accident. Your rate doesn't rise based on how much money was spent towards repairing your vehicle, it rises based on your driving/accident history. If you were in an accident and deemed not at-fault, supposedly your rate will not go up. However, I've seen my own rate go up AFTER an accident finally dropped off my record AND I had no tickets or citations, and the reason was given as "insurance rates have risen all over the state".
which insurance company yours or 'at fault' car?The 'at fault' party's company (assuming they have accepted full liablity)should cover:1) the damage caused by the accident to your vehicle. or the actual cash value of the vehicle should it be deemed a total loss, and any sales tax, licensing fees etc (total loss)2) a rental car while yours is either deemed non-driveable and/or under repair, and for an additional 72 hours AFTER an OFFER of settlement has been made on a total loss (please note OFFER doesn't mean you agree with the amount)3) any medical treatment you or your passengers received and an injury settlement for these injuries. due to the accident.4) loss of wages, if there is an injury and time missed from work (by doctors orders only that you have to stay off work-not if you just don't go to work because you want to get this taken care of, and no injury, this is under injury only)some states have P.I.P. which works differently on the injury, you have to reach a thresold to be entitled to an injury settlement.........AnswerDepends, in ontarioyou go to ur own insurance company for any fixes...a nd then your insurance company on ur behalf will get the money back from the other ppl involved.
Coparts is a company that sells cars that have been deemed damaged or junk by insurance companies or by car rental companies and sells them to others. That way you can rebuild the title of the car and be able to sell it as a used car after all is said and done.
I am sure that there are examples to the contrary, but the car owner is the one responsible for the insurance. It's your car. It's your responsibility to make sure it is insured......it would also be your responsibility to make sure whom ever you loaned it to were licensed and legal.
Liability, or whether or not you are at fault, has nothing to do with your vehicle being deemed totalled. If the repair cost exceeds the local market value of your car, it is a total loss.
A Certificate of Destruction is when the a salvage yard has sent a car to the crusher and before it is crushed he must have the Vehicle ID number check to make sure he has title to destroy the car for scrap metal. Salvaged Title is when a Insurance Title company has deemed a car damaged in a accident i.e. crash,natural diaster,stolen stripped, to repair this car exceeds the cost of the car. So the Insurance company pays-off the owner of the car then sells the car to salvage yard but they put a Salvage Title on the Vin as to make sure if this vehicle is return back in to service the new owner knows that it was deemed totalled. Also so the insurance companies will know if it ever is asked to be insured again they will insure at a lower replacement cost.
Yes,,And if you add these or any other modifications to your vehicle, I would add this on to your own policy as "customization" so that if you have a comp or collision claim on your own policy, it is covered. This may depend on which insurance company is paying the claim, yours or the at fault person's. Your company many not cover your after market wheels if you did not purchase coverage for customized items on your vehicle. If the at fault party's insurance is paying you then yes they should take in to consideration the custom wheels on your vehicle.
I'm sure the company investigated to their satisfaction and deemed that you were at fault. If they felt there was any way for you not to be at fault and for them to not have to pay out the claim to the other party they would have taken it. Just because you don't think you are at fault does not mean that the court would side with you. If you read you policy you will see that it at the option of the insurance company to settly claims. The don't have to spend legal fees just to make you happy. Sorry.