What the Insurance Claim Rep Won't Tell You About Your Personal Injury Claim

David M. Williams, Personal Injury Attorney

 Author: David Williams, Stafford, VA Personal Injury Attorney

Claim representatives for the insurance carriers are professionals who are experts at what they do. The claims representative[1] for the liability insurance company is a trained professional whose job is to have your claim cost the insurance company as little as possible. That means your compensation may be a small percentage of what is considered a "fair and reasonable" settlement amount.

If you are hurt and unrepresented, and not familiar with personal injury claims, the hardball tactics used by some claims representatives can leave you feeling dazed and confused. You are likely to feel that you are being taken advantage…

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The Personal Injury Recipe: Insurance Coverage (Part 3 of 3)

Christopher J. Toepp, Fredericksburg, VA, Personal Injury Attorney

Author: Christopher J. Toepp, Fredericksburg, VA, Personal Injury Attorney

At the outset of each lawsuit, I tell all my clients that, in the broadest sense, every Virginia personal injury claim consists of three components: liability, damages and insurance coverage. These are the ingredients necessary for success in the personal injury process.  As my initial meeting unfolds, I go into more detail about the individual considerations that are contained within each of these three broad categories. If the facts and circumstances are deficient in any one of the three, there may be a major obstacle in the path to obtaining full and fair financial recovery. This article follows The Personal Injury Recipe: Liability…

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Five Things That Affect How Long Your Personal Injury Case Takes

Ryan E. Wind, Mechanicsville, VA Personal Injury Attorney

Author: Ryan E. Wind, Mechanicsville, VA Personal Injury Attorney

My clients frequently ask me how long it will take to settle a personal injury case. While there is no straightforward or simple answer, there are five main factors that significantly affect how long it takes to resolve a claim.

Severity of Injuries/Length of Treatment

If you are injured in an accident due to someone else’s negligence, we encourage you to contact an attorney as soon as possible. Some insurance companies are unwilling to discuss resolving your claim until you have fully recovered or reached maximum medical improvement. If the insurance company is unwilling to discuss your case until the full…

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The Personal Injury Recipe: Damages (Part 2 of 3)

Christopher J. Toepp, Fredericksburg, VA, Personal Injury Attorney

Author: Christopher J. Toepp, Fredericksburg, VA, Personal Injury Attorney

At the outset of each lawsuit, I tell all my clients that, in the broadest sense, every Virginia personal injury claim consists of three components: liability, damages and insurance coverage. These are the ingredients necessary for success in the personal injury process.  As my initial meeting unfolds, I go into more detail about the individual considerations that are contained within each of these three broad categories. If the facts and circumstances are deficient in any one of the three, there may be a major obstacle in the path to obtaining full and fair financial recovery. This article follows The Personal Injury Recipe: Liability…

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The Personal Injury Recipe: Liability (Part 1 of 3)

Christopher J. Toepp, Fredericksburg, VA, Personal Injury Attorney

Author: Christopher J. Toepp, Fredericksburg, VA, Personal Injury Attorney

At the outset of each lawsuit, I tell my clients that, in the broadest sense, every Virginia personal injury claim consists of three components: liability, damages and insurance coverage. These are the ingredients necessary for success in the personal injury process. As my initial meeting unfolds, I go into more detail about the individual considerations that are contained within each of these three broad categories. If the facts and circumstances are deficient in any one of the three, there may be a major obstacle in the path to obtaining full and fair financial recovery. This article is the first in a three-part series exploring…

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Will Your Insurance Premiums Go Up If You Report Your Auto Accident To Your Insurance Company? - VIDEO

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Fredericksburg, VA personal injury lawyer Kathleen Smith explains why you should report an accident to your auto insurance company, whether it was your fault or not.

 

Will your insurance premiums go up if you report your accident to your insurance company? The simple answer is no. Insurance companies cannot increase your rates or cancel your policy simply because you were in an accident.

Three reasons why your auto insurance policy can be canceled

There are only three reasons why your auto insurance company can legally cancel your policy:

You don’t pay your premiums. Your license is suspended or revoked. Your insurance company no longer does business in your state. You should…

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Can I recover medical expenses even though my health insurance paid them?

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Author: Malcolm P. "Mic" McConnell, III, Virginia Medical Malpractice Attorney

Yes, you can.  Virginia law includes what is called the “collateral source” rule.  If someone is negligent and hurts you, there is no reason why he should get the benefit of health insurance that you paid for.  As the Supreme Court of Virginia has said, “A person who is negligent and injures another ‘owes to the latter full compensation for the injury inflicted[,] . . . and payment for such injury from a collateral source in no way relieves the wrongdoer of [the] obligation.’”[1] Thus, the wrongdoer’s obligation to you is not diminished by your receipt of insurance payments, social security benefits, public and private pension…

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Look Out For The Other Guy - Uninsured and Underinsured Motorist Coverage

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With the economy constantly in flux, it’s easy to find ourselves looking over our shoulder for what comes next. What comes next could be an out of control car coming into your lane.

There's not much you can do to prevent a car crash caused by someone else, but there is a lot you can do to protect yourself from the consequences of being hit by an uninsured or underinsured motorist.

 

The health of the economy has a direct connection to the number of uninsured cars on the road. According to The Insurance Research Council, for each 1% increase in the unemployment rate, there is a resulting ¾% increase in the uninsured motorist rate. In 2014, the average number of uninsured cars on the road in the United States…

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Will my insurance company raise my rates if I need to use my coverage after an accident?

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Author: J. David “Dave” Douthit, Esq., Richmond, VA Personal Injury Trial Lawyer 

There are a number of circumstances in which a person might want or need to use their own coverage after a car accident, even if someone else is at fault for causing the accident.  For example, a person might want to use their own collision coverage for medical expense coverage.  Or if the at fault driver is uninsured or underinsured, a person might need to use the uninsured or underinsured coverage on their own policy.  It’s also possible that an injured person might need to make one or more of these claims using the coverage provided by an insurance policy belonging to a relative who is a resident of the injured person’s…

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Medical Expense Benefits: What are they and how do they work?

Kathleen M. Smith, Fredericksburg, VA Personal Injury Attorney

Author: Kathleen M. Smith, Fredericksburg, VA Personal Injury Attorney

Few people have a complete and thorough understanding of the various types of coverage afforded under their personal motor vehicle insurance policy. Whether the policy is purchased online or through a local agent, the primary consideration for most consumers is total annual cost. Once a policy is selected and these premiums are paid, the issue of automotive insurance is understandably set aside in favor of more pressing every day concerns. In the aftermath of a motor vehicle collision, insurance coverage once again takes center stage as medical costs begin to mount, time is missed from work and painful days turn into weeks and even…

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