What Did the Defendant Tell the Insurance Company?

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Author: David M. Irvine, Charlottesville, VA Personal Injury Attorney

In the days following an automobile collision, it is common for the at-fault driver to provide a recorded statement to his or her insurance company, describing how the incident occurred.  The insurance company can then use this statement in deciding how to handle the matter, if and when the not-at-fault driver makes a claim for damages sustained in the collision.

Once the injured party asserts his or her claim, the insurance company has no obligation to share the recorded statement of the at-fault driver, and typically it has no reason to do so.  This is the case even though the defendant’s account of the incident…

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FAQ: Should I use my health insurance to pay my medical bills when the accident is someone else's fault? Shouldn't their auto insurance company be responsible for those bills?

Charles Littlepage Allen, Richmond Personal Injury Attorney

Author: Charles Littlepage Allen, Richmond Personal Injury Attorney

Clients often ask if they should use their own health insurance to pay their medical bills after a collision. The answer is yes. If you've been injured in a crash, using your health insurance to cover your medical expenses will get them paid now.

Many medical providers and specialists require patients to have health insurance before the providers will provide treatment. Since accidents are never anticipated, having health insurance provides the means to obtain the proper care required for the injuries incurred, without depleting your finances until the case settles.

 

Under Virginia law, health insurance companies…

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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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Can You Understand Your Insurance Policy Simply By Reading It? VIDEO

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As you take the next steps after an accident or injury, you may look for answers to your questions by reading your insurance policy. However, that document may not provide all the information you need to protect yourself and your loved ones.

Senior partner and trial attorney Coleman Allen describes the challenges you face when you read your insurance policy and try to understand it.

 

Insurance coverage is complex

Can you understand your insurance policy simply by reading it? The answer is no -  insurance coverage is a very complex area. Words that are used in your insurance policy have special technical meanings, and don't mean what they mean in everyday usage.

Some benefits aren't described…

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Should I Give a Recorded Statement to the Insurance Company? - VIDEO

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The aftermath of a car accident is a confusing time, and many people are eager to put the whole ordeal behind them. The insurance company of the person that hit you may ask you for a recorded statement. You may want to be helpful, but answering their questions in a recorded statement can be dangerous to your claim.

 

Personal injury attorney Courtney Allen Van Winkle explains why you should not give a recorded statement to an insurance company after an accident without the advice and guidance of an attorney.

Insurance companies reduce the amount they pay out in claims by denying those claims. Since they need a reason to deny your claim, they’re going to use your recorded statement to find one.…

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Do I Notify My Insurance Company After an Accident?

Scott D. Fitzgerald, Richmond Personal Injury Lawyer

Speaker: Scott D. Fitzgerald, Richmond, VA Personal Injury Attorney

 

It's normal to have many questions following a car accident. One of the first things you may be wondering is whether or not you should contact your insurance company. Perhaps you feel it's unnecessary to call your insurance company if the accident was not your fault because you are expecting the other drivers insurance company to accept responsibility.

In this short video attorney Scott Fitzgerald discusses why it's important for you to contact your insurance company after an accident, even if the accident was not your fault.

There are several types of coverage on your policy that may help you

Even…

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Will My Insurance Company Increase My Premiums Or Cancel My Coverage If I Make A Claim?

By Robert C. T. Reed, Richmond Personal Injury  Attorney

People pay a lot of money for auto insurance coverage that they are afraid to use.  Everyone understands that car insurance protects you and your loved ones from financial ruin when you are the cause of a collision that injures others.  Your insurance is also designed to protect you and your family in the event that injury is caused through the fault of another who has no insurance or inadequate insurance.  You may also be entitled to medical expense benefits through your insurance if you elected that coverage when you purchased your policy.  It is common for people to be reluctant to make claims for these benefits from…

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Should I Submit My Accident-Related Medical Bills To My Health Insurance Company? The Answer is Always Yes

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Author: Bridget N. Long, Richmond VA Personal Injury Attorney 

One of the most common questions asked by a new client is: should I use my own health insurance to pay my medical bills.  The answer is always yes.  People who have been injured through no fault of their own are often confused about who should pay their accident-related medical bills.  One source of this confusion is that emergency room personnel or doctors treating injured people may ask for car insurance information if they know their patient was injured in an automobile accident.  Other times, injured people don’t think it is fair that their health insurance should pay for harm caused by someone else.  Regardless of the source of the confusion,…

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Why You Shouldn’t Give a Recorded Statement to the Insurance Company

Author: P. Christopher Guedri, Richmond VA Personal Injury Attorney

After you’ve been in an accident that wasn’t your fault, you may receive a telephone call from the adjuster of the person who hit you. She seems pleasant on the phone, and she just needs you to answer a few questions to “firm up liability.” Don’t fall for her trap! What she really wants is for you to give a recorded statement that the other person’s insurance can use against you to avoid paying you the money you deserve. This is why, as a general rule, you shouldn’t give a recorded statement concerning a motor vehicle accident to anyone without the advice of an attorney. You shouldn’t give an oral statement either.

But what could…

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Buying Motor Vehicle Insurance: Who Are the Best Car Insurance Companies?

Author: David M. Williams, Jr., Stafford Personal Injury Attorney

As a personal injury trial lawyer, I battle with insurance companies on a daily basis – both inside and outside of the courtroom. In today’s society, many view the insurance industry as employing a strategy to “deny, delay and defend” claims in an effort to put their profits first and policyholders / claimants second. People need to remember that insurance companies are not in business to pay claims… they are in business to collect your premiums every month.

Given the increasing problems my clients encounter with insurance companies, I am frequently asked the simple question: “Who is the best insurance company for my car?” Although…

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