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Haggle on car accident insurance

Although insurance companies and many lawyers consider auto accident claims routine, that just isn't true. Every car accident and every individual injured in an auto accident is unique. Auto accidents may be caused by the negligence on the part of another driver, someone hauling a trailer, a trucking company, a motorcycle, or the design and condition of the road.I know that a wide variety of injuries can result from an car accident.Insurance companies want you to believe that handling auto accident claims is a simple matter that does not require the assistance of a personal injury attorney that specializes in car accidents. But you should know that insurance adjusters are trained to reduce the amount that you are paid. The only way to make sure that you get a fair settlement or award is to have an auto accident attorney who understands the insurance system, is well prepared and experienced in trying these cases in court, and of course, will do everything possible to fight for your rights.The insurance companies will do everything they can to deny or delay paying your claim. They can and will:* Take a recorded statement of an unrepresented person so that they can obtain information that can be used against that person.* Down-play any damage done to the vehicles in the accident and claim that it would be impossible for someone to sustain a personal injury in such a "minimal" impact auto accident.* Fail to divulge all sources of insurance coverage or policy benefits that would serve to increase your total recovery or settlement.* Insist that you sign a broad medical release so they can go fishing into your past medical history looking for anything to minimize your claim.* Hire expert witnesses to testify that a person was not severely injured in an auto accident.* Assert weak or unsupported liability claims or defenses to support extremely low settlement offers.* Blame other potentially negligent parties to minimize the amount of pay out in settlement.* Blame you for partially causing the accident and thereby lowering your settlement offer by 10, 20 or even 50%.* Tell you that some or most of your medical treatment was "excessive" or "unreasonable" while having no medical training to support such a claim.* Discourage you from working with a car accident personal injury attorney or law firm.If you have been injured in a car accident take the time to research your case, find out about similar cases in your state, and research personal injury attorneys in your area before you accept an offer from the other party's insurance company.
Nearly everyone who owns or operates a car needs to be aware of auto insurance. Drivers should seek out the best car insurance reviews. As a source of help to consumers, there are a large number of insurance company reviews online, in print, and in other media.Searching online will produce an almost astonishing assortment of general car insurance reviews from everywhere, and just as many insurance company reviews that may deal with other types of insurance such as home owners insurance, health insurance and life insurance. Don't automatically assume these are useless, but first focus on the car insurance specific evaluations.You will find that the best car insurance reviews for you will be for companies and policies specific to your own state since regulations and options may be quite different just across the border. Prices for certain kinds of coverage may be regulated in one state and not in another state, and the price varies even from zip code to zip code in the same metropolis.You will get the best car insurance reviews when you focus on companies in the area where you will be living. Keep in mind that if you move from one state to another, insurance with the same company might not be the same due to state regulations. Always check it out first.For large national companies, it is still a good idea to look at forums and general reviews to get a sense of how a company performs at delivering auto insurance as a whole. That's why those boards sites are still useful. The only problem may be finding comments from people in your area.Sifting through an impossibly long list of comments from local policyholders is made easier by a simple computer trick. Use the "Edit" button, scroll down to "Find", and click. In the box type your state name, then select the "highlight" option and click "find all", and your state name will appear as you scroll. This will help you weed through the unwanted comments and direct you to the important ones.It is also worth investigating the financialWhen looking through the best car insurance reviews, you need to thrifty consider what kind of coverage you need, the price of coverage, and the payment options that will be available to you. You need to compare similar policies to each other, instead of comparing apples to oranges. Most car insurance policies are similar, but the small differences can be very important. Don't choose solely because of price, but make sure that all of your needs are covered.

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