At one point or another, if you are a vehicle owner, you will likely have to deal with an auto insurer. Not all insurance companies are out to make claims more difficult, but just in case, knowing what to do when an auto insurer is hostile is a good thing to know. So, if your car insurance company is refusing to pay or making you jump through hoops unnecessarily, here are a few tips.

Loss-of-Profit Threats

The business of insurance is just that: a business. Insurance companies are motivated by the bottom line. While many market themselves as caring for their members and wanting to help in times of stress, let’s face it, profit is the bottom line, which is why insurance companies are famous for not wanting to pay up. If you are facing this, threatening to take your business away is often the only thing that will turn things around.

Getting the Runaround

Insurance companies are known to employ the tactics of denying the claim, delaying the claim, and defending the claim. To summarize this, an insurance company that does not want to pay is likely to deny liability.

The next step they would take is to basically delay the claim by giving you the runaround. Often, this takes the form of demanding more information or paperwork from you.

The final step in their tactic is to defend the claim, and this means that once a suit is filed, they will fight as hard as they can to defend your claim and not pay its fair value. Many car-insurance companies have formed their own law firms for this exact purpose. If your car-insurance company is refusing to pay, they will likely defend the claim as long as they can, making it as time-consuming and costly a process for you as they can.

When to Seek Legal Help

If you are experiencing any of the aforementioned difficulties from an insurance company, you need legal help fighting auto insurance companies to file a lawsuit. While this may seem extreme and stressful, it can save you a lot of time and stress in the long run. Insurance companies who don’t want to pay are masters at the runaround. From dragging out the claim to having you run around for papers they don’t even need, an insurance company that doesn’t want to pay will make you do all these things and more. Insurance companies have lawyers working for them, and so should you.

 

https://en.wikipedia.org/wiki/Vehicle_insurance

https://en.wikipedia.org/wiki/Insurance

When you drive through a work zone, you might get irritated at the speed limits, obstacles and all of the activity that causes you to slow down. There are good reasons why speed limits are lower in work zones. Lower speed limits in work zones are not only designed to protect those who are building roads and making repairs. Speed limits are also put in place in work zones to protect you from hazards that you cannot see.

Work Zone Crash Statistics

Based on 2015 statistics from the U.S. Department of Transportation, in 2015 on average, there was a car crash in a work zone every 5.4 minutes. During that period, every day, across the U.S, 70 work zone crashes occurred where there was at least one injury. There were 12 crashes each week in work zones where at least one person was killed. These numbers may be surprising, which is why it is so important to pay attention to work zone speed limits.

Work Zones are Buzzing with Activity

In a typical work zone, you may notice workers engaged in all types of activities from working with shovels to operating heavy equipment. Others may be marking pavement or moving barrels while cars whiz by. It only takes one wrong move by a vehicle to cause an injury to a highway worker.

Work Zones Contain Unseen Hazards

Work Zones are full of hazards that drivers may be unable to avoid until it’s too late. Typically, passages through work zones are narrow due to barricades. There may be cones and barrels to redirect traffic. Traffic patterns can change suddenly and pavement may be uneven. Speeding through a work zone can not only result in accidents that risk lives, you can do damage to your car by driving too fast and suddenly hitting an obstacle or uneven spot in the roadway

Have Your Received a Work Zone Speeding Ticket?

Even though work zones have slower speed limits posted, you may sometimes go a little faster than intended. Going a few miles over the speed limit can result in a double fine. Your auto insurance premiums can also increase significantly. If you have received a work zone speeding ticket, don’t try to handle it alone. Your best option is to hire a lawyer for work zone speeding tickets.

Remember why speed limits are lower in work zones–lower speed limits are to encourage drivers to slow down. Slowing down protects drivers, their passengers and allows workers to get the job done without the risk of injuries or fatalities.

 

https://www.workzonesafety.org/work_zone_topics/speed-limits/

https://www.workzonesafety.org/files/documents/news_events/awareness_week/2011/wz_fact_sheet_2011.pdf

One minute, you’re enjoying a nice day at the park, or your friend has invited you over, and everything seems fine. The next, a dog has bitten you, and you need medical care. Unfortunately, that can get expensive fast.

Dog bites can be traumatic and painful, so you’ll need to act to handle the situation. But, what insurance coverage can help you through this difficult time? You don’t want to pay out of pocket for an unprovoked dog attack, and you shouldn’t have to. If you’ve been attacked by a dog, seek out help to get your compensation for a dog attack.

Types of Insurance for Dog Attacks

The good news is that you may be covered after a dog attack. If the dog owner has homeowners or renters insurance, you should be able to file a claim for the injury and receive a settlement for the suffering you’ve been put through.

Dog attacks should be covered under premises liability. This type of liability covers injuries that happen on another person’s property. For example, if you were exposed to electrical wiring on someone else’s property and you were injured because of it, their insurance would also cover those damages.

Don’t Hesitate to Get Help

You’ll likely need that compensation for your injuries, so don’t wait to file your claim and get help. Your medical care can be pricey, so speak to the insurance company or an attorney soon.

Dog bites are more serious than they might look at first, even if the dog was small. Dog teeth are especially long, which means deep puncture wounds. These are difficult to clean, raising your chances of an infection.

Worse, if the dog hasn’t received its regular shots or has been bitten by a wild animal itself, you’ll need to be tested and treated for rabies. While many people think of rabies as a disease that makes animals foam and act strangely, the illness is deadly, causing slow paralysis and comas in many cases. If you’ve been bitten, focus on getting the full medical treatment you need.

Get the Settlement You Need

Sadly, that treatment can be expensive, and that doesn’t include the mental trauma and intangible suffering you’ve experienced because of the dog bite. So, before you accept the settlement offer from the insurance company, be sure that you get the full coverage you need for your injuries.

For a serious dog bite, you could experience any of the following damages, so speak to a lawyer to ensure you’re getting the settlement you’re owed:

  • Current and future medical expenses
  • Pain and suffering
  • Lost wages
  • Disfigurement

Insurance and Your Dog Bite Compensation

Dog bites are no laughing matter. If you’ve been attacked by a dog, you’ll need medical care to prevent further damage, and you deserve to be compensated for the damages you didn’t cause. If the dog attacked you without provocation, the owner should be liable.

Fortunately, their insurance should cover your injuries. Dog bites are often included in homeowners and renters insurance, which means you’ll need to file a claim with them to get the settlement you deserve. For many people, this will be all you’ll need to get the claim you deserve.

However, the insurance company may not be so keen to help. Certain dog breeds, like Dobermans and Rottweilers, may not be covered by some insurance companies, or they may try to lowball your settlement.

If you’re struggling to get the compensation you need, reach out to a lawyer for help getting your compensation. They can review your claim and help you get compensation after a dog attack, when your bills are getting expensive.

Filing a personal injury claim will be the first step to recovering from your injuries. You’re injured, after all, and you’ll need to fight for the compensation you deserve. That means fighting back against the laws that could reduce or dismiss the compensation you deserve.

However, before you begin fighting for your claim, you’ll need to first make sure you’re acting in time. Paying attention to the statute of limitations will be vital for your case, so be sure you’re ready to file when you’re nearing the time limit.

What is the Statute of Limitations?

When you’re preparing to file a claim, keep in mind that you have a limited time to do that. Personal injury claims have a statute of limitations, which means that you’ll need to act within a certain time to fight for you compensation.

Because of this, Idaho residents will have only two years to file their claims. This means that all personal injury claims in Idaho must be filed within two years of the accident or, in some cases, the discovery of the injury or damages.

Consequences of Missing the Deadline

Unfortunately, the consequences for not filing in time can be steep. If you’ve missed the deadline to file, your claim will be dismissed. This bars you from recovery, which can be devastating.

This means that, after you’ve suffered so much because of their actions, you’ll also be unable to recover compensation for those damages. You’ll be left to handle the bill and your recovery alone, even if the other person was responsible for the accident.

Purpose of Statute of Limitations

This may not seem fair, but the statute of limitations is meant to protect you. Evidence can be damaged or lost over time, which means less proof that you’ve suffered injuries and that the other person caused them.

As such, the statute of limitations is meant to act before the time limit runs out. This way, you’ll have a chance to get the full compensation you deserve and recover after the suffering you’ve been through. While other laws and statutes may make it difficult to get your compensation, acting before the time limit passes ensures that you can still fight back.

Seek Help with Your Personal Injury Claim

It’s unfortunate, but the statute of limitations has prevented many people from getting the full compensation they need. That’s why it’s important that people with personal injury claims in Idaho act now to file their claim.

Speak to a lawyer about your claim and the remaining time you have to file your claim. You may find that you’ll need to move fast to get the compensation you deserve, so reach out for the help you need with your personal injury claim.