Easy Law Finder

Tag: insurance-company

  • How can I obtain an insurance discount through traffic school?

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    Get in touch with your insurance company to verify if they provide a discount for completing a traffic school course successfully. If they do, just sign up for the 4-hour BDI course, go through it at your preferred speed, and submit your completion certificate to your insurance company upon completion!

  • Why seek advice from a lawyer in a case involving personal injury from an accident?

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    Following an accident, it is vital that you seek advice from a lawyer to safeguard your rights. There are numerous significant intricacies that can prevent or restrict your compensation. The insurance company will not inform you of these, but your lawyer will.

  • What are the rights of substitution?

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    Following an automobile collision, occasionally your personal medical insurance will cover medical costs on your behalf. Depending on the specifics of your medical insurance plan, your medical insurance company may possess the right to substitution or repayment if you obtain compensation from the responsible party. Subrogation or repayment of Medicare and Medicaid benefits is also…

  • What is comparative negligence?

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    Comparative negligence is essentially a legal theory that permits the insurance company or juries to decide the proportion of blame they will assign to each party involved. For instance, if the insurance company or jury concludes that you are 20% responsible for an accident, and you receive a valuation or jury award of $100 for…

  • What insurance benefits can I receive after a motorcycle accident?

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    If you get injured in a motorcycle accident in Ontario, you might be eligible for compensation from two sources: Accident Benefits from your own car insurance policy or from the insurance for another vehicle involved in the accident. Tort Claim against the driver responsible for the accident, seeking compensation for damages not covered by accident…

  • What are the Charges and Expenses?

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    Smith & Johnson LLC manages almost every case on a contingency fee basis unless the client requests other arrangements. Under our standard contingency fee agreement, if there is no recovery, there are no charges or costs owed to S&J. In addition, state law provides that if a policyholder sues his/her/its insurance company, to recover on…

  • What is the time period for the insurance company to settle my claim?

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    Most insurance policies include a provision specifying the duration within which claims should be paid. However, the law mandates that the insurance company must make a decision regarding coverage of the loss within 90 days. It is important to note that if the insurance company is unable to adequately investigate the loss within the initial…

  • What types of adjusters are involved in handling hurricane claims?

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    During extensive damages like hurricanes, you can typically find the following adjusters conducting fieldwork: 1. Company adjusters. These individuals are employed by the insurance company and are usually licensed adjusters based in Florida (although they may be temporarily assigned from another state). 2. Independent adjusters. These adjusters make a living by handling claims, but despite…

  • What Damages can be Obtained for Insurance Misconduct?

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    Typically, the damages comprise of all harm caused by the insurance company’s failure to handle a loss adjustment “in good faith.” In certain situations, the fees of your own legal representative can also be recovered. In exceptional cases of extreme and shocking misconduct, punitive damages might be recoverable. If you face a lawsuit because the…

  • What Should I Do if I Meet in an Auto Accident?

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    Immediately seek medical attention for your injuries. Obtain as much information from the other driver(s) as possible, including their name, address, phone number, insurance company, policy number, driver’s license, and license plate. Be sure to insist that a report is completed by a law enforcement officer and get a copy. You can also take pictures…

  • What is the meaning of Actual Cash Value (ACV), and what does Replacement Value refer to?

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    “Current market worth (CMW)” denotes the value of the covered asset at the time of the incident. On the other hand, “Restitution worth” refers to the expense required for the replacement of the asset, ensuring complete restoration. CMW incorporates depreciation, resulting in a significantly lower value than the cost of replacing your property. The determination…

  • Why is it necessary to hire an attorney to represent me?

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    Whether you have a personal injury claim or a workers’ compensation claim, chances are you are not familiar with the insurance claims process. You may not be aware of the extent of your rights and your legal obligations. Even if you have knowledge about insurance claims, you have nothing to lose and everything to gain…

  • What do the terms “$15,000/25,000” or “$50,000/100,000” mean?

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    Insurance firms offer policies with coverage limits that determine the maximum amount a person can receive (the first figure) and the maximum amount available for a single accident (the second figure). For instance, if a motorist has liability insurance worth $50,000/100,000, it signifies that an individual can receive up to $50,000.00 from that policy, but…

  • What should I do if my insurance provider rejects my claim?

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    What should I do if my insurer refuses to accept my claim? The leading cause for an insurer’s denial of a claim is attributing the damage to a cause that the policy does not cover. They may assert that it falls under an exclusion. The insurer tends to favor a broad interpretation of exclusions and…

  • What constitutes a first party property claim?

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    When individuals obtain an insurance policy to safeguard themselves and/or their property in case of a loss, they and their insurance provider become the primary parties in that agreement. If individuals experience a loss due to factors such as water, wind, fire, natural disaster/hurricane, theft, accident, etc., and their insurance company fails to adequately reimburse…

  • What is the time limit for filing a claim for breach of contract?

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    There is a five year statute of limitation to file on breach of contract with your homeowner insurance policy but in some instances, you must give notice to your insurance company within 2 years according to a recent change in the law. It is recommended to consult with a legal professional for an assessment of…

  • How much time do I have to submit a claim to my insurance provider?

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    It is your responsibility to file your claim promptly upon noticing the damage. Although there is no time limit specified by law for notifying your insurance company in most cases, there is a two-year timeframe mandated by law for reporting hurricane damage.

  • What is coverage for motorists without insurance and how does it impact my motorcycle accident case in Florida?

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    Coverage for motorists without insurance is a type of coverage that you can purchase from your insurance company. It provides protection in situations where someone has caused you harm while you are riding your motorcycle and they either lack insurance or their insurance is insufficient. This type of insurance is crucial for motorcycle riders, as…

  • What do I do if I was in a car crash and the insurance adjuster for the at-fault driver keeps calling me at home?

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    How frequently should I communicate with the insurance adjuster to check on the progress of my car accident case? First and foremost, it is crucial not to disclose any specific details about your case to an insurance adjuster. Insurance adjusters are trained and employed to minimize their company’s expenses by paying out as little as…

  • How long does it take to settle my case so I can catch up on my bills?

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    The length of time for settling a case depends on many factors and no legal firm can make guarantees on either the outcome, or the timeline for that outcome. Some of the factors are how serious the accident was, how badly you were injured, how much medical treatment you require, and which insurance company represents…

  • Who is responsible for paying for the damage to my property?

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    Your legal representative should always be willing to assist you with your property damage claim, but many clients handle most of it themselves. That said, here is what you need to know about your property damage. Warning: Property damage adjusters work solely for insurance companies ? therefore, NEVER discuss your injuries with them and NEVER…

  • What are anti-concurrent clauses?

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    Anti-concurrent clauses prohibit recovery when a protected risk and excluded risk combine to cause a loss. For instance, if your property experiences fire (protected) and earthquake (excluded) damage simultaneously, your insurance company will reject your claim even if you have fire coverage. Make sure to carefully review your policy to identify any of these clauses.

  • What should you do if your property suffers from water damage?

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    Notify any necessary repairs that require immediate attention on your property. Failure to address water damage properly can leave your home vulnerable to further harm. It is important to keep a record of all expenses incurred for temporary repairs. Capture photos of the initial state of the damage. This evidence will greatly assist in filing…

  • How can I receive compensation for lost earnings following a car crash?

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    Your coverage for personal injury protection will provide compensation for 60% of lost earnings, up to $10,000 (or $2,500 if there is no emergency medical condition), resulting from injuries sustained in a car accident. The remaining 40% not covered by PIP, as well as any lost earnings exceeding $10,000, will be the responsibility of the…