Hire Auto Accident Attorney And Receive Full Compensation
Hire Auto Accident Attorney And Receive Full Compensation
People who do not know how to react after being a victim in an auto accident must understand that using the services of an auto accident attorney is very important. Lawyers that are experienced in this field specifically will be able to assess the situation correctly and advice the proper course of action to be followed. The victim of an auto accident will have a big benefit of using an experienced lawyer while trying to procure a good sum of money as compensation. The lawyers have the ability to take care of all the things relating to the accident needed to carry out settlement with the guilty party.The victims that have suffered emotional or physical pain are eligible to use the services of auto accident lawyers. The attorney will have the capability to help you proceed with handling the case from the start to the end. They also facilitate the payment of the settlement that the victim will receive. The guilty party will try to delay matters while arriving to a settlement which is not good for the victim. The job of the auto accident lawyers is to help negotiate the best compensation package for your benefit. The benefit is that you will not be charged if the lawyer is not able to get you a settlement.
Many claimants tend to settle accident cases without hiring a suitable lawyer. Many people lose out on receiving the best offer in such cases which can be a great disadvantage. Reputed auto accident lawyers have the tools to correctly determine the amount of money that you can receive due to the accident. Victims represented by a lawyer have been found out to receive as much as three times more money from the settlement in the end. So, you should always remember this fact if you are involved in such an incident.
The large amounts of paperwork that is present in auto accident cases can turn out to be too much too handle on your own. The different claims and documents that are a part of any auto accident case can really take a heavy toll of people trying to handle their own cases. So, auto accident lawyers are certainly the best option in order to help victims to gain a fair compensation in the end. It is imperative to file all the documents before a deadline runs out so that you are able to reap the benefits of following the right procedure.
One of the best parts about hiring an auto accident attorney is that you can receive a free consultation before selecting someone. This will help you to get to know about the qualifications and the confidence of the lawyer in front of you. Many people do not hire experienced layers in this field of law as they think that they have to pay a lot of money for acquiring the services of the lawyer. But, you may well go ahead and ask for a free consultation from the attorney so that you are able to figure out the exact amount of money that you may receive in the settlement.
How to Buy Auto Insurance: An Auto Accident Attorney's Perspective
Most people decide what type of auto insurance to buy based upon the advice of the insurance agent. However, if the purpose of buying auto insurance is to protect yourself from financial devastation due to serious personal injury, then the advice of the Kentucky Auto Accident Attorney, a personal injury attorney since 1986, may be of interest to you. As an auto accident attorney for over 20 years, I have represented 100s of people injured and/or killed in auto accidents and I know what auto insurance coverages are important to them and their families.Uninsured Motorist Coverage:
This coverage provides coverage for injuries caused by someone who does not have any insurance on their vehicle at the time of the accident. There are lots of people driving around without insurance on their vehicles and it should not surprise you that they cause a disproportionate number of auto accidents. Irresponsibility breeds irresponsibility.
Underinsured Motorist Coverage:
This insurance provides coverage for injuries caused by someone who has insurance but does not have enough to satisfy your claim. This coverage is one of the most used coverages by an auto accident lawyer on behalf of car accident victims and it is one you need in as large an amount as you can afford. The minimum liability coverage required in Kentucky is $25,000.00 and the majority of drivers carry the minimum. $25,000.00 is not enough money to pay even the smallest claims for personal injury. Underinsured Motorist Coverage (called "UIM") allows me as your personal injury lawyer to make a claim against your own insurance company when the person causing the accident does not have enough insurance to satisfy your claim.
The good news about Underinsured Motorist Coverage is that it is relatively cheap. Insurance companies are forced by law to offer it. You need, at the very least, to have as much UIM as you have liability coverage. I find that many insurance agents fail to educate their client's about this coverage and its affordability.
Added PIP/No-Fault Coverage
Kentucky law requires you to purchase $10,000.00 in Personal Injury Protection Benefits (also called basic reparation benefits and kentucky no-fault benefits). This coverage pays for medical expenses, lost wages and some other replacement costs. Although Kentucky requires you to buy $10,000.00 of this coverage, some agents forget to tell you that you have the option of buying more. You may want to consider buying more no-fault in increments of $10,000.00 because you may need the wage loss coverage and $10,000.00 can evaporate quickly. As an accident lawyer for many over the past several years, I have many clients who exhaust their $10,000.00 quickly with medical expenses and then struggle to pay bills because they do not have any wage replacement coverage. Additional no-fault coverage is particularly important recently because health insurance companies are paying less and less, which means you will be paying more of your medical bills out of your own pocket if you do not have added no-fault.
EXCESS COVERAGE
If you paid $800.00 for $500,000.00 in liability coverage on your two vehicles and I told you that you could increase that coverage to $1 Million for $150.00, would you do it? This coverage is called an excess policy. You can greatly increase your coverage for a relatively small premium. Further good news is that many excess policies include Underinsured Motorist and Uninsured Motorist coverages. You need to ask your agent to make sure these coverages are included.
Should we look for more ways to spend money on car insurance? Absolutely not! However, there are certain coverages that are worth our attention and I would suggest that you at least price them so that you can determine if you can afford them. Thousands of people are killed and seriously injured in auto accidents every year in the state of Kentucky. It would be irresponsible of anyone to think that they are exempt from a serious auto accident some time in their life. So, as a personal injury attorney, I am encouraging you to purchase the right insurance coverages.