Leave a comment

Why Hiring An Attorney After A Car Accident May Be Necessary

Why Hiring An Attorney After A Car Accident May Be Necessary

If you have been involved in a car accident, you may be left with a lot of unanswered questions. And while your car insurance company will certainly step in to help, there may be legal issues that you aren’t even aware of at the time. It may be beneficial to you if you speak with an experienced attorney from our Law Firm. Here are some of the reasons why an attorney can be very helpful.personal injury attorney

When To Hire An Attorney

You should give some serious consideration to hiring an attorney after a car accident if any of the following occur:
There have been significant damages to your car.
Liability has not yet been determined.
The amount of the claim does not adequately compensate you for damages sustained.
The claims adjuster is pressuring you to make a decision.
You’re don’t know how to evaluate your claim.
Your claim involves lost wages and injuries.
Your claim has been denied.
The other motorist in the accident has served you with a lawsuit.
The claims process has taken too long and closing in on the statutes of limitations.
What Your Attorney Can Do For You
There are a number of different things your attorney will be able to do in order to ensure success in your case.
Statute of Limitations. You only have a limited time to sue your case out. In most states, that time frame is between one and two years. If you don’t file on time, you lose the right to ever sue.
accident injury attorneys

Help You Understand the Damages. There are a number of potential damages you can sue for when injured in a car accident. They range from pain and suffering, lost wages, emotional distress and medical bills. Family members can sue for the loss of companionship. Your attorney will advise you of all of the potential legal rights you have.
Help With Proving Liability. Even with witness statements and police reports, it can still be difficult to prove liability. This means you need to prove that the operator of the other vehicle was negligent enough to breach the duty of care.
Understanding Your Settlement Options. Many cases will settle out of court, which means you will need to know whether or not any settlement option is sufficient. Once you take a settlement, you sign a release, meaning you give up your rights to sue.
Many car accident attorneys will work on a contingent fee, meaning they don’t get paid unless there is a settlement awarded (or in the case of a trial, they are successful in winning the case). If you believe you need to retain an attorney, contact one as soon as you possibly can.

Leave a comment

Auto insurance premium trends

This older Article shows trends in the Car Insurance field

With the global economic recession and its after-effects affecting almost every industry, the auto insurance industry is also trying to recover from the losses that they had incurred during the economic downturn. The auto insurance rates have been fluctuating since 2008 and are still not stable enough to bring back the sigh of relief among the residents of Pennsylvania. As everyone is looking for ways to save money, the people in Pennsylvania are also trying to look for cheap auto insurance. With lower premiums, cheap auto insurance could save some of your dollars which in return may help you meet your other financial obligations.Cheap car insurance

Auto insurance premium trends

The auto insurance premium rates were an average of $842 in the year 2009, implying a change of 3.5% since the previous year when the rate was around $812. The premium rates in 2009 shows that the collision coverage averaged to $312.63, the liability coverage averaged to $507.66 and the Comprehensive coverage averaged to $130.85. During this span of time, there were 18 states in the US that had a higher premium value than and 20 states that had a lower premium rate than Pennsylvania. The speed limit on highways and in cities, the percentage of alcohol in blood, hand-held cell phones, and cell phones used by the drivers are some factors that affect the premium rates of the auto insurance policies in your State.Auto Insurance

Steps to adopt for obtaining cheap auto insurance

With the aforementioned statistics, you must get an idea that the auto insurance rates have been rising with time. At such a time, a prospective auto insurance policy holder must adopt some steps in order to avoid facing dire financial consequences. Here are some steps drivers can take to save their dollars and get a cheap auto insurance .

1. Shop around: Irrespective of the place you live, you must always shop around before settling on a particular auto insurance policy. Most financial experts are of the opinion that one must get insurance quotes from at least 4-5 Auto Insurance Companies and then settle on the one that is tailored to meet his financial demands.

2. Look for discounts: Various auto insurance companies offer various discounts. However, if you’re keen on getting your cheap auto insurance , you need to make sure that you inquire about all kinds of discounts available in the market. You may get discounts for safe driving course, installing anti-theft devices in your car or for buying a non-sports car. Try to minimize the risk of your car and make it less prone to road accidents. This will make you a less risk borrower and thereby help you in saving money while getting the policy.auto insurance for you

3. Increase your deductible: Deductible is the amount that you’re going to pay out-of-pocket when you file a claim. If you settle with a high deductible, you can lower the rates of your premiums and obtain a cheap auto insurance. Try to increase your deductible, but make sure that the amount does not take a toll on your financial life in the long run.

Cheap auto insurance is certainly worth taking, if you can follow the steps mentioned above before choosing a policy. Follow the rates in the market and make sure your lender does not dupe you into accepting an outrageously high rate insurance policy that may drain off your wallet.