Auto happenstance and getting the run around(agent or advocate help)?
Ok we had an accident contained by July 08. We did not get a lawyer. Thought that we can touch it ourselves and get case close and over beside soon. Anyway the other person hit my husband self employed van from the behind and she be at fault. We faxed everything to them and now they said that they obligation to verify that we had insurance at the time. I thought we did but we did not (long story) but our old insurance company told us reqardless if we don't, the other soul is at fault and they should pay but the other party insurance said that if we have no insurance than they won't. Our old agent told us to christen the department of health because they are just giving us the run around. Should we of late get a lawyer to business deal with this? they said if they do offer to volunteer than it will be $1700 but I don't think that is satisfactory. My husband hurt his back and miss 1 day of work and he have 2 jobs that were stop that day for $1700 which was repeal on the day of the accident. My question is what should I do?
Not have insurance does not change fault. It will however, come spinal column to haunt you with possible fines or contact from the DMV.
Department of Health, have to be a misunderstanding. They've got nothing to do beside this. Your a third party to that other insurance carrier, they hold no contract with you so they can pretty much offer doesn`t matter what they want. If you don't agree, your options are to retain counsel or start a civil suit (small claims).
Retaining counsel for a small claim like this is silly. Obviously, he have a soft tissue injury and now is back at work near only 1 day missed. If you do retain an attorney, he's going to pinch 1/3 of your settlement. Small claims is going to make him miss more work, so what's the sense in that.
Work next to the adjuster, it's not a big claim where your going to receive a big chunk of change. If it's the first grant, they may be willing to negotiate. Source(s): Claims Adjuster 17yrs
Some states have a "no retribution no play" law, where if you enjoy no insurance, and someone else hits you, even if they are at fault, YOU cannot collect from their insurance, and you cannot sue them.
Are you in a state approaching this? Either no, or your old agent is wrong.
Seeing as how you're looking at less than $5000 contained by damages, and that lawyer is probably going to cost you $2500, you should try suing them in small claims court FIRST, for the lost income and damages to the vehicle - AFTER you digit out if you're in a no pay no play state or not.
It is up to your insurance company to sort out a claim on the other driver not you. After all, that's what they find paid for.
if i were you, i'd simply take whatever they give and run...
not having auto insurance is against the law - if you hold them to court, you're likely to end up next to huge fines for not having been insured at the time - especially considering it be a commercial (work-use) vehicle. Source(s): financial & risk management advisor - 11yrs
"> Is it the first offer? Insurance co's will throw out a low offer to see if your desperate adequate to bite. If you can hold out do so. I'd consider a lawyer if your husband will have long possession effects from the injuries. If he is ok figure up the cost of the accident adjectives loses then, counter the offer. Tell them what you want to settle. You wont' achieve it all but maybe a glowing medium.
It depends on what state you are in. California's Proposition 213, which become effective January 1, 1997, eliminates the right of uninsured motorists to sue for misery and suffering.
You will still be able to recover medical bills incurred as a result of the quirk and lost wages. However, as a self employed person, he will have to prove that he lost 1 daytime of work and 2 jobs. He will need to provide documentation showing that near was work scheduled for that sunshine, and the customers may be asked to verify that the jobs were canceled.
A attorney will just collect 1/3 of the settlement that you are legally due. No lawful lawyer will take your satchel because there is nothing to collect. Basically this is a result of you not have insurance.
If you can't prove your lost earnings, and you have no medical bills to reimburse, consequently you are legally owed nothing for your injury. It is your responsibility to get valid liability auto insurance.
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Not have insurance does not change fault. It will however, come spinal column to haunt you with possible fines or contact from the DMV.
Department of Health, have to be a misunderstanding. They've got nothing to do beside this. Your a third party to that other insurance carrier, they hold no contract with you so they can pretty much offer doesn`t matter what they want. If you don't agree, your options are to retain counsel or start a civil suit (small claims).
Retaining counsel for a small claim like this is silly. Obviously, he have a soft tissue injury and now is back at work near only 1 day missed. If you do retain an attorney, he's going to pinch 1/3 of your settlement. Small claims is going to make him miss more work, so what's the sense in that.
Work next to the adjuster, it's not a big claim where your going to receive a big chunk of change. If it's the first grant, they may be willing to negotiate. Source(s): Claims Adjuster 17yrs
Some states have a "no retribution no play" law, where if you enjoy no insurance, and someone else hits you, even if they are at fault, YOU cannot collect from their insurance, and you cannot sue them.
Are you in a state approaching this? Either no, or your old agent is wrong.
Seeing as how you're looking at less than $5000 contained by damages, and that lawyer is probably going to cost you $2500, you should try suing them in small claims court FIRST, for the lost income and damages to the vehicle - AFTER you digit out if you're in a no pay no play state or not.
It is up to your insurance company to sort out a claim on the other driver not you. After all, that's what they find paid for.
if i were you, i'd simply take whatever they give and run...
not having auto insurance is against the law - if you hold them to court, you're likely to end up next to huge fines for not having been insured at the time - especially considering it be a commercial (work-use) vehicle. Source(s): financial & risk management advisor - 11yrs
"> Is it the first offer? Insurance co's will throw out a low offer to see if your desperate adequate to bite. If you can hold out do so. I'd consider a lawyer if your husband will have long possession effects from the injuries. If he is ok figure up the cost of the accident adjectives loses then, counter the offer. Tell them what you want to settle. You wont' achieve it all but maybe a glowing medium.
It depends on what state you are in. California's Proposition 213, which become effective January 1, 1997, eliminates the right of uninsured motorists to sue for misery and suffering.
You will still be able to recover medical bills incurred as a result of the quirk and lost wages. However, as a self employed person, he will have to prove that he lost 1 daytime of work and 2 jobs. He will need to provide documentation showing that near was work scheduled for that sunshine, and the customers may be asked to verify that the jobs were canceled.
A attorney will just collect 1/3 of the settlement that you are legally due. No lawful lawyer will take your satchel because there is nothing to collect. Basically this is a result of you not have insurance.
If you can't prove your lost earnings, and you have no medical bills to reimburse, consequently you are legally owed nothing for your injury. It is your responsibility to get valid liability auto insurance.
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