Attorney Guide: What Type of Lawyer Deals with Traffic Accidents? When you’re involved in a traffic accident, personal injury lawyers are the specific type of attorney you need to handle your case. These legal professionals specialize exclusively in auto accident claims and have extensive experience negotiating with insurance companies to secure fair compensation for their […]
Letter Identification: What is the letter from a lawyer after a car accident? What is the letter from a lawyer after a car accident? The letter from a lawyer after a car accident is typically a demand letter or legal notice seeking compensation for damages, injuries, or other losses resulting from the collision. These letters […]
Professional Terminology: What is an insurance lawyer called? What is an insurance lawyer called? Insurance lawyers are known by several professional titles including insurance defense attorney, coverage counsel, bad faith attorney, and claims lawyer. The specific title depends on their role, whether they represent insurance companies or policyholders, and their area of specialization within insurance […]
Coverage Assessment: Do I need a lawyer if I have insurance? Do I need a lawyer if I have insurance? Sometimes yes, because insurance coverage has limitations, exclusions, and conflicts of interest that may require independent legal representation. While insurance provides significant protection, certain situations warrant hiring your own attorney to protect your personal interests […]
Basic Definition: What is the duty to defend on a car insurance policy? What is the duty to defend on a car insurance policy? The duty to defend is your insurance company’s legal obligation to provide and pay for an attorney to defend you against lawsuits alleging covered claims, even if the allegations are groundless […]
Immediate Consequences: What happens if someone sues you for more than your insurance covers? What happens if someone sues you for more than your insurance covers? You become personally liable for the excess amount above your policy limits, potentially putting your assets at risk including savings, property, and future wages. Your insurance company will still […]
Can I negotiate with an insurance company? Can I negotiate with an insurance company? Yes, you can and should negotiate with insurance companies when they offer settlements below fair value. Insurance adjusters expect counteroffers and often have authority to increase initial settlement amounts by 20-40% through skilled negotiation tactics. Most insurance companies make low initial […]
Will my car insurance provide a lawyer? Will my car insurance provide a lawyer? Yes, most car insurance policies include legal defense coverage when you are sued for damages or injuries caused by accidents. Your insurer typically provides and pays for an attorney to defend you in court, but only for covered incidents under your […]
Do auto insurance companies usually settle out of court? Do auto insurance companies usually settle out of court? Yes, auto insurance companies settle approximately 95% of claims out of court through negotiations, mediation, or arbitration. Insurers prefer settlements because they cost less than trials, provide predictable outcomes, and avoid negative publicity that court cases often […]
Should I take my insurance company to court? Should I take my insurance company to court? Consider litigation when your insurer acts in bad faith, denies valid claims without justification, or offers settlements significantly below fair value. However, court action should be your last resort after exhausting all other dispute resolution methods. The decision to […]