Category Archives: Accidents

If you own a car, a house, a boat, or even a dog, you are at risk of having someone file an car accident claim against you. Owning any of the above puts you at risk for potential liability. Thank goodness for insurance! Let’s face it — insurance is not anyone’s favorite subject, but when you need it, you will be glad you have it.

If you have the misfortune of a car insurance claim being filed against you, (i.e., your neighbor trips and falls over your doorstep; your teenage son accidentally crashes into his best friend’s car; your dog bites the mailman), don’t panic. Here are some tips that will hopefully ease accident anxiety.… Continue Reading…

Nobody expects to have an accident. Drivers are always surprised when a collision occurs. Everyone believes the other driver is to blame. Yet, accidents do happen, and the difference between a fair outcome and a disaster can depend on steps you take before any accident even occurs.

It’s easy to see why some accidents happen: someone drives too fast, runs a red light, or turns left in front of oncoming traffic. Even the most careful of drivers sometimes collide with reckless ones, so anyone can be involved in an accident.

Prepare Your Vehicle

In the glove box, you have your vehicle’s registration and your insurance card – make sure your agent’s phone number is there or put it on the handy checklist at the end of this article. Keep a disposable camera in there, too, for taking pictures of both the situation and the damage to all involved vehicles.
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If you have been the unfortunate injured victim of a car accident and now find yourself in the world of dealing with claims adjusters (your own and the at-fault party’s), and doctors, here are some tips to help you navigate through the maze:

1. Statements to claims adjusters. It’s okay to give a statement to your accident claims adjuster, but keep your answers short and to the point. You should not talk to the at-fault driver’s unless you have legal counsel or someone present during the interview who has some legal or background knowledge regarding how car accident injury claims are handled. You may unknowingly answer a question that could come back to haunt you should you end up pursuing this car accident claim via the legal system.

2. Adhere to your doctor’s orders. This applies to physical therapists and other medical providers you may be… Continue Reading…

Car Accidents! Nowadays, it’s not a question of if, but when. With over six million cars on our roadways every day, there is no doubt car accidents happen almost every 20 minutes. Just turn on your radio or television during “rush” hour and there are always car accidents being reported – usually two or three at a time.

Car accident claims comprise the largest number of car insurance claims. Each time an accident is reported to your insurance company, the company has to ‘reserve’ a certain amount of money it thinks it will pay out to settle the car accident injury claim – regardless of fault. As the auto accident personal injury insurance claim continues to move forward, that ‘reserve’ amount may increase or decrease until the accident claim has been settled.

So, what… Continue Reading…

Life happens and so do accidents. Auto accidents are no exception and usually they are more inconvenient than anything else. But, in today’s litigious society, a fender bender can grow into a Frankenstein’s monster just as quickly as a major collision.

So, what’s the smart way to handle  auto accident claims so they don’t come back to haunt you?

Regardless of who was at-fault, call the police and file a formal car accident claim report. Even if the investigating officer says the damage is minor, get a report filled out. The insurance companies for all parties will want to see a police report. This is the first step in documenting evidence for possible future legal action.

If you can, get the names, addresses and phone numbers of any witnesses. Don’t rely on the police officer to get this information. There are different… Continue Reading…

It is pretty easy to be injured on the job. Whatever the cause is, if you are the victim of an injury, then you ought to be prepared to fill out a report for your accident. In advance of being able to file a claim, insurance firms will mandate it. On top of this, most companies require accidents which happen while at work to be reported as a standard operating procedure. Police, too, will often request that you fill out such a report after witnessing a crime or a car accident. Whatever the circumstances are, you need to be capable of preparing an accident report as correctly and understandably as you can. This article goes through the step by step directions to writing an accident report.

Beginning with the Basics

Start out by first filling in all of the basic information that you can. These initial sections of accident reports… Continue Reading…

Anyone that rides a motorbike, or motorcycle, depending on your terminology or region, should own a quality set of motorbike leathers clothing. They do not have to be the most expensive motorbike leather wear, but should be of the best quality you can afford.

Leather motorbike clothing not only makes a stylish statement, it is a layer of protection from the elements. It will also safeguard the rider in case of an accident. When motorbikes or motorcycles go down on pavement, they will slide. The rider is apt to slide and roll down the pavement as well. Quality leather will protect the skin and offer padding from bumps, bruises and broken bones.

Motorbike leather jackets come in many styles and prices. Depending on the rider’s taste and desires the jacket can be quite expensive. They can be purchased from online distributors for much less than retail stores will charge. Online… Continue Reading…

In a fast and furious world, it is all about performance. Unfortunately, one tends to get what they pay for in the way of performance and turbochargers are no exception. If one is hoping to turn their engine into a tire-liquefying beast, they should be prepared to spend at least $3000 on a quality turbocharger or supercharging kit, and not waste time and/or money investigating products such as the electric turbo.

For those who have not heard of the electric supercharger turbo, the idea is fairly simple: an electric motor is used to create vacuum in much the same way that a real forced-air induction system would. Unfortunately, the reality is often quite different. In order to understand the problem and why the theory of a car electric turbo charger does not usually work, one has to start by understanding how regular turbo kits and engines work.… Continue Reading…

Driving a motorbike offers you freedom and is a thrilling experience but it can be dangerous as well, you can have severe and fatal accidents. This is because motorbikes do not have air bags or safety belts to cover or protect you from an injury.

There are various laws which one should adhere to while driving a motorbike that decide who is at fault in an accident. Some of the laws are as follows:

1) DUI – This is driving under the influence of any type of alcohol or drugs.
2) Speeding – If you are driving over the posted speed limit.
3) Helmet laws – You should not be driving a motorbike without helmet where law requires it.

By law, bikers should have third party insurance coverage which covers injuries to another driver or passenger or damage to any other property.

Have you been in a motorcycle… Continue Reading…

None of us wants to think about being involved in an auto accident and being thrust into the uncomfortable and bewildering world of filing insurance claims and negotiating auto accident settlements. But as noted by Sal Caputo in his article, “Guide to Insurance”, published at Bankrate.com (Caputo, Sal. “Guide to Insurance.” Bankrate.com Sep. 2003: Web. 31 Dec 2009), with more than 220 million cars on American roads these days, it is an unfortunate fact that you may well be involved in a auto accident someday and face having to file an auto insurance claim. Consequently it makes good sense for everyone who owns and drives a car to educate themselves on the topics of auto insurance claims and auto accident injury settlements. Acquiring this knowledge in advance can make the situation less stressful and can increase chances of obtaining a fair settlement.

The Auto Accident Insurance

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