Category: Personal Injuries
When Should I Review My Insurance Coverages?
October 30, 2018 | John T. BuchmanWinter is approaching and many people rake their leaves, get their cars ready for winter or do other projects to prepare for winter. It might also be a good time to look at your insurance coverages to see if they are outdated or inadequate. It’s better to do so before you run into a problem than to find out afterwards that you do not have enough coverage. [maxbutton id=”2″ ] More Protection Can Be Affordable Many of us bought car insurance when we were younger and times were tight financially, so we purchased the minimum amount of insurance necessary to protect us. However, there is the insurance adage that “the first dollar of coverage is the most expensive.” What that means is that you can significantly increase the protection for you and your family without a proportionate increase in your insurance premiums. Thus, you can double your automobile liability and uninsured/underinsured motorist limits from $50,000/$100,000 to $100,000/$300,000 without doubling your premium. The same is true if you elect to “stack” or increase your “no-fault” coverages that protect you and other family members that reside with you. Again, you can add significantly more protection in the event you or a loved one gets injured for a modest increase in your premium. Most people…
Read MoreFiling a Personal Injury Claim: What You Should Know
October 9, 2018 | Adriel B. VillarrealFiling a Personal Injury Claim: What You Should Know No matter what the situation is, if you suffer a personal injury due someone else’s negligence, the first thing that you need to do of course is consider your health and immediately seek the medical attention that you need. However, there are a couple of other things that you should do as quickly as possible as well as other steps that you should take once you’ve received proper medical care, including making preparations for filing a personal injury claim. [maxbutton id=”1″ ] If at All Possible If it is safe to do so and you’re physically able to, you should attempt to obtain names and contact information of any witnesses that may have observed the accident. This includes any employees or anyone involved in the accident that you may have spoken with and when you are able to, make notes regarding your conversations. Get a copy of any store accident report or a police report if applicable as these can be invaluable if you do decide to file a personal injury claim in Coon Rapids or anywhere in Minnesota. Make a Record of the Accident & Aftermath Taking the time to take photographs of your injuries, damages, and any evidence that may help…
Read MoreIt Is Crucial to Speak to an Attorney Before an Insurance Adjuster
July 17, 2018 | Adriel B. VillarrealInsurance adjusters are looking out for the best interest of only one party – their insurance company. If you are involved in an automobile accident that results in property or physical damage, you need to protect yourself and your rights. Whether it’s the at-fault driver’s insurance provider or your own, it is crucial that you speak with an attorney before you speak with any insurance company representative. Don’t Speak Directly With the Insurance Adjuster You’re going to get calls, probably several, and when you do get those inquires, let someone else speak to them. Because anything that you say to the insurance adjuster can be used against you in court but any statements from your mother/sister/brother cannot! As such, if a property damage adjuster does call you, it is best to have a family member or friend talk to them. Have your proxy relay the name and contact information for the attorney representing you or tell them that your lawyer will be in contact with them within a few days. Keep the conversation as brief as possible, especially with an adjuster from the other side’s insurance company, and use the following guidelines: Do not agree to have the telephone call recorded. It is even a good idea to specifically state that you do…
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