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In many states, drivers are required by state law to have a minimum amount of liability coverage. State laws vary as to the amount of insurance a driver is required to carry. This is insurance to pay for damages to others if you cause an accident.


You can pay for greater coverage if you wish. This may protect you from loss if you are found liable in a vehicular accident. Remember, liability insurance pays only to settle claims or pay judgments against you if you are found negligent.


To protect yourself against claims from other drivers or passengers in case of a vehicular accident, you can purchase a type of coverage known as “uninsured or underinsured motorist benefits”. This allows you to receive compensation from your own insurance company if a negligent driver has limited liability insurance. If the amount of your damages exceeds the negligent party’s coverage, you can make a claim under this coverage from your own company.


To cover medical bills, you will need to purchase an additional coverage called “medical payments”. Medical payments coverage may go by various names, but its intent is to pay for the medical needs of a driver or passengers. It only covers those who are in the insured car.


Collision coverage is another type of voluntary coverage you may wish to purchase. This covers repairs or replacement to your vehicle after an accident, regardless of who is at fault. There is usually a deductible on the amount paid. This allows you to have repairs on your vehicle if you are at fault, or if your car is damaged by someone who has no insurance or who flees the scene.


At some point after an accident, you may be approached by an insurance adjuster who represents the insurance company of the person who caused the accident. No matter how friendly and caring, or aggressive and threatening, this adjuster may appear, he or she works for the insurance company and their job is to save that company money. They do that by reducing your claim.


This is important, folks. The adjuster may try to convince you that you should accept a lower settlement. He may try to convince you that you were at fault, partially or completely. He may try to convince you that you do not need a lawyer. At no time will he be working in your behalf. His sole job is to protect the insurance company and he will use every technique he knows to do so. Our job is to protect your interests with the same passion he protects his company with. 


Although you should always be courteous, you are not required to give any oral statement to the other side’s insurance company. Listen to what the adjuster says and note the questions he asks, but do not enter into a dialogue with him. Respond calmly and honestly, but do not feel pressured to answer any questions your unsure of or uncomfortable about. 


Tell your lawyer what was said and have your lawyer evaluate your case. Your lawyer will be able to direct you as to necessary communications with the defendant’s insurance company and take things from there. Adjusters may be charming or intelligent, but don’t let that distract you from the fact that they are trying to reduce your payment. Any excuse you give them will be used against your claim, so be as cautious as if you were talking to law enforcement.


Call the Law Office of James C. DeZao at 1-833-JIMHELPS

The initial consultation is free of charge, and if we agree to handle your case, we will work on a contingency fee basis, which means we get paid for our services only if there is a monetary recovery of funds. Not only do you save money and time if you don’t win, we are motivated to win every single case we take.


In many cases, a lawsuit must be filed before an applicable expiration date, known as a statute of limitations. Therefore, please call right away to ensure that you do not waive your right to possible compensation.

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