Home Blog Page 208

Why Is the Other Person’s Insurance Company Asking Me to Sign an Authorization Form?

After a Car Accident in Pennsylvania, when the other person’s insurance company is at fault, they will likely ask you for an Authorization because they want to get copies of your records (medical, wage, or maybe employment or school records) to evaluate the claim. They may also call it a “Medical Authorization”, “Medical Release”, or “Release of Information”.

They use this documentation to determine what they will claim is the value of your damages.

In Pennsylvania, there is a privacy law, both state and federal. The law prevents the insurance company from getting your records without your written authorization. They can’t just ask your doctors for copies of your records. So, the authorization tells your medical provider it is OK to release their records to whomever you authorized on the form. The law requires that the authorization state that it can be revoked at any time by you in writing.

Be aware that that you are not required to sign their Authorization. In fact, it is likely in your best interest not to sign it. You may want to consult with an experienced lawyer. The reason you probably should not sign it is because you want to have control over your own medical records. You can get your records from either your own insurance company (you will have to sign an authorization for your own insurance company). Or, you can get your medical records from your medical providers. Then, if you do not have a lawyer, you can send the records yourself to the other person’s insurer.

David Schreiber, Esq.

Car Insurance – An Important Investment To Make

Car insurance is one deal you cannot do without. It helps you take good care of your car. This insurance policy is quite an important investment you make for your car and you obviously need to be careful when buying it. Apart from premium rates, also take into consideration the flexibility it allows.

Before you go for car insurance, it is an advisable proposition to understand the terminology and the concepts related to it. Insurance policies with pleasantly low premium rates are more readily available to those who have a good driver profile. Thus, it is a good idea to have a safe driving record. Much also depends on your age. Young drivers fall in the high risk category group. And statistics prove that most of the drivers involved in accidents are in the age group of twenty to thirty. This creates a certain amount of bias against young drivers.

However, if you are a member of safe driver’s club, things are likely to be easier. At the same time, safety devices such as anti-theft devices go a long way in building up your credibility. Another important thing is your credit card history. People with bad credit card history are likely to face the music due to lack of credibility in making payments. A car insurance company would not like to take the chance of their customers being irregular in their premium payments.

When you go for insurance, take care of the few terms and conditions that apply. For example, there is a per occurrence limit which gives the guideline for the limit of a maximum amount an insurance company would pay for all claims from a single incident. Per Person Limit is the maximum amount an insurance company fixes for payment in case of injuries caused by an accident.

Vehicle Accident Attorneys Are Indispensable In Case Of Auto Accidents

Vehicle accidents take place in such great numbers around the globe that it has become a common thing to witness or get involved into one. And in many cases it’s entirely the other persons fault that you are made to suffer for. As such it becomes your right to be compensated properly. However, in a motor vehicle mishap scene, police and paramedics are the first ones to arrive and access the scene. All your claim reports and the ensuing litigation are fought on their initial report. Most of us fail to recognize here that the services of a vehicle accident attorney are indispensable.

Why Do We Need A Vehicle Accident Attorney?

Lawyers specialize in helping mishap victims on seeking redress and claiming compensation for injuries and damages incurred in the process. They analyze and present the case in court or to the insurance agencies to facilitate maximum monetary benefit to their client. As such, any case of auto accident must be reported to an accident attorney immediately.

In case of an mishap with a heavy automobile, there is a further classification of automobile accident attorneys.

Time is crucial while filing an auto mishap case. As such to be surer of your success in case of litigation, all the necessary procedures and proper documentation should be accomplished fast. And if you attempt to do it all without any professional help, it will sure harm your own cause. The help and guidance of a attorney cannot be compensated here.

Where To Look For One?

This is a very specialized branch of law and many legal firms have a separate section for this purpose. Still if one wants to search more, you can go online. There are many websites dedicated to the cause of legal help to the mishap victims. They provide suggestions, dos and don’ts to such victims. Some also carry a list of contacts of vehicle accident attorneys. Some online legal representatives provide free consultation too.

Some Suggestions

Be sure that you find a lawyer whose main practice focuses on auto accident injuries. The details in such cases are crucial for win and if your lawyer is not experienced in the matter, it mitigates most of your success chances. So be sure to inquire about his practice history and also success in cases like yours. Ask a lot of questions where ever you have doubts and make your case completely clear to him.

If you find the right lawyer, your half job is done. So, give some time and attention to find a vehicle accident attorney, who can win the case for you.

Looking For Philadelphia Car Insurance Quotes?

Philadelphia is really no different to any other place. If you take the time and trouble to shop around a little you could save yourself in the region of $481 over a 6 month period. An average 6 month variation in this area is $595. According to Progressive Auto Insurance, these figures are calculated based on the auto insurance rate variance, the average of the highest and lowest 6 monthly rates on new policies. As far as Philadelphia is concerned the rate information is gathered from public filings with the city’s Department of Insurance. Put simply a person from Philadelphia could get two quotes for identical cover and one would cost $770 whilst the other comes in at a much higher price of $1,250.

During 2005 Philadelphian drivers experienced slightly less costs for insurance due to the fact that rates dropped by an average of $268. In New York, however, which along with Louisiana is one of the most expensive states as far as auto insurance goes, rates dropped by 3.4% in the same year. This is because in these places there is more traffic, parking spaces are limited, and car theft is a more frequent occurrence, as is uninsured driving.

In a similar way to other states, the number of driving violations accrued in the past is taken into account when drivers from Philadelphia apply for auto insurance. This along with the kind of vehicle being driven, the age of the driver, his or her occupation and credit rating score and any accident history will also be considered at the same time. Shopping around is important and there are many discounts to be taken advantage of which can save the driver a substantial amount of money. By checking out policy and vehicle related discounts, for example, the age and model of the vehicle to be driven as well as driver related discounts determined by the age and driving record of the driver, it will soon become clear exactly how much cheaper Philadelphia auto insurance can be.

Warranty Auto Repair

Let’s say you move from wherever you purchased your new vehicle, and the dealership is no longer near where you live. Or maybe your dealership closes, and the next closest dealership isn’t so close after all. Or you buy a new vehicle, but you have already sustained an excellent working relationship with another auto shop. No matter what the situation is, warranty work on your vehicle may not be as restrictive as it seems. There were over 16 million cars sold in 2007, and most new vehicles come with a warranty for maintenance either for a period of time or a period of miles. While there may not be many serious issues with newer vehicles, the warranties can and should come in handy with regular maintenance and smaller but important issues that may in fact come up.

This article discusses what to do if indeed you find yourself in this position. A few things to consider with warranties since the dealer is separate from the company – if you have a problem not covered by the normal warranty, see if it is covered by a federally mandated warranty. Some of these go up to 100,000 miles, but dealers don’t always admit that they exist. See your owner’s manual for details – and if you don’t have an owner’s manual, borrow one for your model year. Most makers sometimes authorize repairs after the warranty is over, depending on the circumstances and the staffer’s mood. While dealers can do this in some cases, few will take the risk. Dealers may think something is not covered when it really is.

One common misconception is that you don’t have to take your vehicle to the a dealership to have something taken care of that is covered and approved under the warranty. You can take your car to any certified mechanic (ASE), and it will not void the manufacturer’s warranty. Of course, before deciding whether or not to go to the dealership or an independent service shop, think about the repairs and the budget you have. Many dealerships tend to add or recommend services which may not be necessary at that exact time. Private auto repair facilities are more likely to provide the necessary services without trying to push any other products closely associated with the car company. Auto repair shops other than the dealership can still communicate with the car company to discuss the warranty coverage to see if it approved. Also, similarly, for work not under warranty like routine oil changes or tire rotations, private service shops have less overhead costs making it less expensive than a dealership. This will not void your warranty in most cases. However, you should keep records and receipts for any of these services.

Used vehicles sometimes also come with limited warranties which do not always require repair to be done by the dealership. State laws hold dealers responsible if cars they sell don’t meet reasonable quality standards. These obligations are called implied warranties – unspoken, unwritten promises from the seller to the buyer. However, dealers in most states can use the words “as is” or “with all faults” in a written notice to buyers to eliminate implied warranties. There is no specified time period for implied warranties. If the manufacturer’s warranty still is in effect, the dealer may include it in the “systems covered/duration” section of the Buyers Guide. To make sure you can take advantage of the coverage, ask the dealer for the car’s warranty documents. Verify the information (what’s covered, expiration date/miles, and necessary paperwork) by calling the manufacturer’s zone office. Make sure you have the Vehicle Identification Number (VIN) when you call. Like a warranty, a service contract provides repair and/or maintenance for a specific period. But warranties are included in the price of a product, while service contracts cost extra and are sold separately.

So let’s say you would like to take your car to a private service shop rather than your dealership for some work you need. Most companies will first need to approve that the item is actually covered under the terms of the agreement, and that the maintenance is carried out and documented by an ASE approved mechanic. This will usually be the main checklist for getting it approved. Many drivers have common questions when it comes to warranties, especially with the topic of billing. For example:

Do I have to pay upfront for the work or the part being done?

No, you will not have to pay upfront for the costs. If there is a cost upfront, it could be a deductible if applicable. Usually, auto warranty contracts pay the repair shop directly. Usually, the repair shop will contact those responsible for the warranty coverage for authorization to repair the part.

Will all claims be paid in the future too?

The key to knowing how much coverage you have or could have depends on the strength of the warranty you have. Some auto warranties are limited; others extend out but for less time. Knowing how much your vehicle is covered is important to know in order to be prepared for any repairs that may be necessary. Claims are handled individually, and again, will be paid to the repair shop you choose – but be sure to check to see if it is approved by your car company.

Factory warranties can be great for the beginning life of your automobile, but not many last into the later years of your car’s life. Factory warranties usually tend to cover specific things, and can be called different names. Bumper-to-bumper warranties are found on almost all new cars. This warranty is called bumper-to-bumper because it tends to cover almost the entire car in some way, with exception to specific wear items. Wear items will normally include the tires, oil, oil filter, and brake components, and sometimes even the battery, though many manufacturers are starting to give a 3 year warranty on batteries as well. It should be noted that for most claims, especially those involving the power train, will only be covered if the vehicle has been regularly serviced as per the manufacturer’s specifications. In most cases, the factory car warranty plan is limited, meaning it only covers problems caused by manufacturing errors or defect.

Due to federal government requirements, most exhaust components are covered by a 2 year/24,000 mile warranty against corrosion. In addition, an 8year/80,000mile warranty is required for the catalytic converter and any on board diagnostic devices equipped on the vehicle. These warranties cover the ability to pass emissions testing as well as any design or defect issues. Also required by federal law, all seat belts, restraints and air bag related components must be covered by a 5year/50,000 mile warranty against defect or malfunction.

Most manufacturers offer at least a 5year/unlimited mileage corrosion warranty that deals with any problems caused by corrosion to the body panels or chassis, specifically perforation rust.

As explained on the website autos.com, “what a warranty is then, a promise by the manufacturer to stand behind its product in the case of any manufacturing or design defects. Damage due to the driver, accidents, severe weather and disasters are not normally covered unless it can be demonstrated the damage was caused by some manner of design issue. In this case, a factory recall may be started in order to correct the problem at the manufacturer’s expense.”

Extended warranties are also a popular solution for vehicles whose bumper-to-bumper coverage has run out. It is recommended to do some major research before purchasing this coverage, if you think it is right for you. The extended warranty company will base the coverage on what they see as the condition of the car. If you have some warranty coverage still left, it would not yet be necessary to consider this. But it will work basically the same as the original coverage. As autos.com explains, “buying an extended warranty can make sense, for then you still have coverage for items that can break or wear out and can, without insurance, cost you a lot to repair. For these types of vehicles, extended warranty companies offer what they call “stated component” extended warranties. The extended warranty policy states exactly what components are covered. These may include the engine, transmission, suspension, drive train, ignition, radiator, and electrical system.”

Warranty coverage can seem confusing and at times, intimidating. Being knowledgeable and prepared will help to relieve some of the worries you have. Choose a repair shop you are comfortable will, and they, not just your dealership, should contact the warranty coverage representatives to get authorization if that is what you desire. Know what coverage you have and for how long, and communicate with those involved. Cars can be expensive without warranties, but unfortunately, so can not knowing anything about your car’s warranty and what you are allowed to do with it.

How to Compare Auto Insurance to Get the Best Price

It’s amazing how much auto insurance prices differ from one company to the next. You could save hundreds of dollars a year by spending just a few minutes shopping rates. Here’s how to compare auto insurance policies to get the best price.

Understand Coverages

Understand the basic coverages so you know what you need:

* Liability coverage – This pays the medical bills and lost wages for people you hurt in an accident, and pays to repair or replace their car(s).

* Collision coverage – This pays to repair or replace your car after it’s been damaged in an accident.

* Comprehensive coverage – This pays to repair or replace your car after it’s been damaged by fire, vandalism, or acts or nature.

* Personal injury protection – This pays for your and your passenger’s medical expenses when you’re involved in an accident.

* Uninsured motorist coverage – This pays to repair or replace your car after it’s been hit by an uninsured, underinsured, or hit-and-run driver.

Go Online

A few years ago the only option you had for shopping auto insurance rates was to call or visit one agency after another, and fill out form after form to get enough quotes to compare.

Now, thanks to the Internet and the advent of insurance comparison websites, you can go to one site, fill out one simple form, and get multiple quotes from A-rated companies. These sites are free to use, and you won’t have to contend with an agent trying to sell you his or her company’s policy.

On the best comparison sites you can even talk with an insurance expert who can answer any question you may have and help you get the best policy for your needs at the best price. (See link below.)

Compare Prices

After you receive your quotes, you need to compare prices. Make sure you’re comparing apples to apples by checking to see that the policies you’re comparing have the same types of coverage, and the same amount of coverage.

Raise Your Deductible

The deductible is what you pay toward a claim before your insurer will pay. The higher the deductible, the lower your premium. For example, raising your deductible from $250 to $1,000 could cut your premium in half.

Ask For Discounts

Auto insurance companies offer a variety of discounts – security and safety feature discounts, multiple policy discounts, safe driver discounts, low mileage discounts, senior discounts, etc. Ask your insurer what discounts you’re eligible for and include them in your policy.

Second Driver Insurance – Adding a Secondary Driver to Your Car Insurance Policy

Second driver insurance helps protect you and your car when a secondary driver uses the car. If you are a one car family it could be used for you and your spouse. Or, if you have a teen driver you will need to add them to your policy as well. The good news is that adding a second, third or even fourth driver is not as expensive as the first.

Having a car is an advantage but when you have a car you also need to be prepared to take on the responsibilities in having one and one of these responsibilities is getting it insured before you drive it around. It is a requirement in almost every state that you need to insured the car first before you will be allowed to drive it.

This is for the good of the community and to protect everyone when unexpected accidents occur. Cause getting caught in a car accident is a pretty bad site or case to be in especially if you are uninsured, for if it is your faults you will be required to pay for the hospital fees of your victim as well as the repairs for their car and yours.

But if you are insured the company will be the one to pay for your expenses providing that it is within your policy.

Second driver are usually young drivers that are usually put as a second driver under their parents policy. Some of the parents do this and register their kids as a second driver for getting a car insurance for young drivers are rather expensive.

This is because the insurance companies base their rates on statistics and it shows that young and new drivers as put in a high risk category because of their inexperience which they believe will lead to being involved in an accident.

Here are some advantage and disadvantages of having second driver under your policy.

  • To some point you might save some money if you have your child be your second driver. Compared to when you get them an auto insurance which you know that you will pay for a higher premium because of their inexperience in driving.
  • But some disadvantage would be that if you take them as a second there is a possibility that you might get a dent in your good and clean record for if they get involved in an accident then it would be put in your record.
  • Some advantage is that when you put them to be your second there are ways to get some discounts and one of these for them to have a good grade.
  • One of the disadvantages of being a second driver is you won’t have your own car and your freedom to drive it anytime you want.

Here are some tips and advice for you before you get your children to be a second driver.

  • You have to know about second driver the advantage and disadvantage that you will have if you have them under your policy.
  • Next is you have a heart to heart talk with your children about the insurance their opinion and what you think so that they would understand and you could both have a conclusion.
  • Also remember that second driver is not for everyone, so you need to see if this suits you and your child.

Before you jump into action think it over and see if you will benefit from it, if not then find other options which will give you an advantage. Remember that the safety of your children is more important than saving some money, for more money can be earned while life cannot.

How Does an Attorney Get Paid on an Automobile Accident Case?

There are three common ways an attorney can get paid when they represent automobile accident cases. They may agree on a contingency fee which is a percentage of what is collected when the case has settled. A flat fee is another means of payment. It is an amount agreed on that is unchanging. The other means is by utilizing an hourly fee.

Contingency Fee: In most automobile accident cases a lawyer is paid on a contingency fee. This is different from an hourly rate or a flat fee. A contingency fee is a fee arrangement that pays the attorney a percentage of what is collected at the time the case is settled. The contingency fee is usually 1/3 or 33 1/3% of the total settlement. For example, if your settlement is $90,000 the attorney fee is 1/3 or $30,000. Under most contracts the client is responsible for any costs associated with the prosecution of the case. These costs are deducted from the clients’ portion of the settlement. Some attorneys will offer a 25% contingency fee. Others will raise their fee as the case progresses. For example if the case settles the fee is 1/3 (33 1/3%). If a lawsuit is filed the fee goes up to 40%. Should the case actually go to trial the fee is again raised, this time to 45%. Then if there is an appeal the fee goes up again to 50%. I do not agree with this. I believe it is a disservice to the client and a conflict of interest between what is good for the client and what is good for the attorney’s pocket. In affect the attorney benefits by pushing the case farther and farther into the litigation process.

A contingency fee is a good deal for almost anyone who is involved in an auto accident. After an accident in which you were injured it is likely that you will be off work for a period of time. If this is the case you probably do not have the extra money to hire an attorney. You have your normal living expenses to pay with less money or no pay check at all. This type of fee allows you to retain an attorney without paying any money up front. The attorney usually fronts all of the costs of litigating your case. This is usually considered a loan without interest but be aware that some attorneys may charge you interest. The attorney assumes all of the risk of your case concluding with a successful result. If the attorney is unfortunate enough to lose your case you do not owe him a fee. Not one penny. This means no risk to you.

Flat Fee: A flat fee is just what it sounds like. It is a fee that is set at the beginning of the case. This is negotiated and agreed to by the attorney and the client at the time the attorney is retained. The fee never changes. It stays the same no matter how much time and effort the attorney puts into your case. It is a bird in the hand, so to speak, for the client and for the attorney.

Hourly Fee: Hourly fees are another way lawyers can get paid. The client pays the lawyer an agreed upon hourly rate for every hour that the attorney works. The client will receive a detailed bill, usually at the end of each month, outlining all the work the attorney performed on their case for that time period. The attorney will bill the client each month for services rendered. It is also the client’s responsibility to pay for any costs and expenses incurred.

If you have been in an accident and are hiring an attorney discuss all of the options available and decide with your attorney what is best for you and your particular situation.

Tips to Reduce Car Insurance Quotes

The majority of quotes with regard to cheap insurance also take into account the kind of automobile which is being pushed. Sports automobiles, for example, charge higher and therefore are not as likely to get cheap auto insurance offered because of the ultimate danger throughout driving a faster. Inexperience car driver is a recipe for disaster as far as many companies are concerned. Purchasing a teen any fast sports car for his or her eighteenth birthday celebration, then, isn’t the best of suggestions if you wish to get reasonable estimates from car insurance companies.

If you have several car result in the older or even less important car the key car for any younger motorists in your home as age group can have a huge effect on car insurance quotes online. If you do have young motorists in your home a terrific way to reduce their vehicle insurance is to take extra driving programs. While the home value of the car is the best basis for what cheap vehicle insurance companies fee, there are other factors that play a part in deciding what yearly or month to month investment you’ll have to make to find and keep the coverage required. For instance, higher deductibles can lower costs. This is not common knowledge, but it is correct that choosing to opt for a higher deductible will mean spending less to the premium. The actual deductible could be the amount of money the actual insured is going to be required to cover in the event of an insurance claim.

The word full insurance policies are simply protection marketing strategy. The word ‘full’ dissents in the actual auto insurance perspective. The alternative of cheapest car insurance quote mainly depends upon certain requirements specified during investment. The requirements a particular vehicle insurance investor may well vary from somebody else. The addition of the term ‘full coverage’ is no not same as for the most part found auto insurance. It has almost all features along with specifications which can be sorted out straight into basic and elective. Insurance brokerages and providers try to sell as much features as is possible to buyers, as their fee counts around the aggregate deal secured.

The actual comparison regarding car charges allows someone to know the interest rate and so the suitable policies. A lot of the insurance coverage web-sites encourage the individual that compares the auto insurance quote without any charge, although some others fee minor firm payment. Thinking about both the cheap car insurance quotes online plans web-sites are identical. It is advisable to choose the totally free quote websites for any assessment progression inside the initial phase. The actual comparison web sites review couple of car insurance rates in addition to the plans. The web automobile protection offer facilitates someone to save either money or time. A person can steer clear of spending the commission to adviser. Consequently, with the support of car insurance comparison, the job of an agent is unnecessary.

5 Basic Guides For California Auto Insurance Consumers

The fact that there are multiple auto insurance companies and their policies and requirements are different for each state making you harder to choose which one is the most suitable for your private car. Various options are available, but do you really want to spend your time pondering one by one before you finally choose one to buy? It is good, though, if in the end you manage to find the one suits you best. But if not, you are wasting your time already.

For you who reside in California, below are five important steps to do when you want to buy auto insurance in California.

1. Understand the California state insurance requirements

This is compulsory. When it comes to your mind that you need a car insurance, first you must check the state insurance requirements before you do anything else.

California state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage.

The required limits for drivers in the California Automobile Assigned Risk Plan are $10,000/$20,000/$3,000 Limits.

2. Set your budget

Auto insurance companies are working in the same field. They sure know exactly how other company works and also, their rates.

What you need to do is, set your budget. You know your own living, you know how much your car values, you sure have to set the limit for your insurance. Do a careful calculations before you decide how much should you spend on a car insurance.

3. Find online car insurance websites

Welcome to the 21st century. You need to know that there are abundant auto insurance companies through the Internet. Who wants to go outside when you can find auto insurance inside your home?

Keep in mind that you already set your budget. Use that as a guide. Find car insurance that in the range of your budget. Do not tempted by super cheap rates that are below your budget. Remember, you are looking for an insurance which in the range of your budget. And do not forget, what you pay determines what will you get.

4. Have your own research about auto insurance quotes

When you finished browsing on the Internet, you might find a couple of auto insurances that fits your budget. The next thing to do is, spend another 15-30 minutes to research further about those companies. It is important to know their experiences in auto insurance world, their contributions, policies, and so on. Do some researches, and then compare them.

You might also want to ask your relatives whether they know any of them or give you a recommendation.

5. Look for some discounts

In California, there are even some discounts for senior driver, good driver, good student, defensive driving class, safe vehicle, low income and multi-policy coverage. Indeed, these discounts are not always available, but you can always check, or ask, is there any discounts your auto insurance offers. We all love discounts, don’t we?

No matter which insurance company you choose, always double-check your decision before making a commitment. It is also better to make a visit to their office, take home the materials, read them over, and consult with the customer service officer. Remember to spend what should you spend, in other words, what you have set as your budget. Not more, and not less.