Category Archives for "Car Accident"

March 31, 2017

FAQ: What Rental Car Company Can I Use?

Do I need to use a specific rental car company for my rental car after a car crash? And the answer is you can use whatever rental car company you would like. Typically what is going to happen is the at-fault driver's insurance company is going to arrange for a rental car for you. The law says that the at-fault driver must compensate an injured person for the loss of use of their vehicle, and so that could be any rental car company that you contract with. However, it is much easier to negotiate with the insurance company, the at-fault insurance company, to get a rental car directly through them.

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If you have been injured in a car accident, you need a Battle Plan.

March 16, 2017

FAQ: Who Pays for the Rental Car After my Car Accident?

  The at-fault driver, and correspondingly that person's insurance company, is required by law to pay you the value of the time that you lost on your car. Often what they will do is make arrangements with the rental car company to provide you with a rental car. So, you will want to call the insurance adjuster and make those arrangements when your car goes into the shop. Now, it's important that you understand the law says comparable vehicle. So, if you have a minivan, a comparable vehicle would not be a smaller four-door sedan. The at-fault insurance company is required to get you a comparable vehicle, such as another minivan or an SUV that would fit your family.

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If you have been injured in a car accident, you need a Battle Plan.

March 2, 2017

FAQ: What Happens if I Can’t Work?

 The first tip here is to make sure that you're keeping great records. Always keep a doctor's excuse for every single day that you missed. You also want to talk to your HR department to make sure that you're getting a sheet that details how much time you've missed and the amount of your wages. The at-fault driver and that person's insurance company is going to be responsible for your lost earnings however that doesn't happen until you settle your case which could be months down the road. There may be some other insurance benefits that you qualify for on your insurance policy. I recommend you having a lawyer take a look at that policy to make sure that you get all the insurance benefits that you've paid for. Apart from that there's no quick benefits because the insurance company will only pay you once your case settled. Another option is to check with your HR department to see if there's some sort of short-term disability benefits that you might be able to qualify for.

Free Consumer Guide

If you have been injured in a car accident, you need a Battle Plan.

February 23, 2017

FAQ: Should I Pay My CoPays?

Well, the answer is you want to pay your copays,  you will want to use your medical insurance. Often the medical providers will request the information from the at fault driver. However, what you want to do is use your medical insurance to pay for those medical bills. Don't worry. The law in most cases requires that you pay back your health insurance company once you settle your case; however, there's a lot of benefits to you making sure that you use your own health insurance instead of allowing any medical provider to try and bill the at fault driver's car insurance.

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If you have been injured in a car accident, you need a Battle Plan.

February 17, 2017

FAQ: When Should I Go See a Doctor After a Car Accident?

Well, the answer is as quickly as you need to. In other words if you need emergency medical services, then you need to take the ambulance to the E.R. If it's a type of injury that you believe you can wait or that gets worse over time, then you want to go to the doctor as quickly as possible. A preference would be your family doctor who knows your medical history and has treated you over a long period of time, so that would be the priority. However, don't wait too long to get to your doctor. If it's going to take a few days to get you an appointment, then what I would recommend is to go to an urgent care facility that could see you right away. You don't want to let too many days pass until you get to a doctor. You want to go right away.

Free Consumer Guide

If you have been injured in a car accident, you need a Battle Plan.

February 9, 2017

Replacement Vehicle After Car Accident?

You can get a replacement vehicle as soon as you'd like. However what I recommend is waiting until you've completed the negotiation with the insurance company and they have sent you and you've received the settlement check. Then you can take that settlement check and you can take it to the car dealer to get a new vehicle.

Free Consumer Guide

If you have been injured in a car accident, you need a Battle Plan.

May 30, 2015

Why Won’t the Adjuster Pay My Doctor Bills After a Car Accident?

Too many insurance adjusters believe their job is to manipulate you into accepting as little money as possible. Sometimes, adjusters will tell people who have been injured in a car accident that they will not pay for any medical treatment, or will threaten to not pay for any additional treatment. Their goal is to pay as little money as possible, even if it means the injured person doesn’t get the medical attention he or she needs.

South Carolina law requires the wrongdoer, and their insurance company, to pay the reasonable and necessary medical bills of the person the wrongdoer hurt. Insurance adjusters often have very little to no medical training. Injured people should listen to his or her doctors and get the recommended treatment.

Free Car Accident Guide

Download your free copy of my Car Accident Claims Guide in Plain English by clicking below.

Injured? Get Help!

May 22, 2015

Why Won’t The Hospital Take My Health Insurance After A Car Accident?

After a car accident, some medical providers may refuse to accept your health insurance. Hospitals are businesses too. They need money to pay for their doctors, nurses, and support staff. They need money to pay for their buildings and equipment. Many hospitals may refuse to accept your health insurance.

Health insurance companies negotiate discounts with hospitals and medical providers. These discounts may not exist if the hospitals do not accept your health insurance. In that case, you will have to pay the cash price.

The cash price is always higher than the negotiated health insurance rate. If the hospitals refuse to accept your health insurance, they may demand full payment once you settle your case. That way, the hospitals get more money.

Many health insurance companies demand that they be billed first. To find out, you’re your health insurance company and ask. It is almost always better to use your health insurance to reduce the total amount of your medical bills. Additionally, refusing to accept your health insurance may violate the law.

If you have any questions about your car accident, please request my free resources or contact me for a free consultation.

Free Car Accident Guide

Download your free copy of my Car Accident Claims Guide in Plain English by clicking below.

Injured? Get Help!

April 15, 2015

What If I Told the Officer I Wasn’t Hurt After a Car Accident?

You just experienced a crash. Your heart is racing. People are staring. Everyone is asking you questions. You check on your children in the backseat. The officer arrives, lights flashing.

The officer starts asking questions. Your kids are crying in the backseat. You are late to the next appointment. Traffic is backing up. Your spouse is on the phone asking questions. The situation is out of control.

Your adrenal glands react and pour adrenaline into your body. Your heart races. Your breathing increases. Your body prepares for a fight or a flight, masking pain.

The officer asks if you are hurt. You don’t feel any pain, or at least you don’t think you do. You tell the officer, “No.”

In South Carolina, over 50% of people who have been in a car accident tell the officer they are not hurt. The truth is many of those people will begin to hurt and realize the extent of the injury well after leaving the collision scene.

If you are hurt, the best thing to do is get to a medical professional as soon as possible. Do not delay going to the doctor because you told the officer you were not hurt. Adrenaline and shock mask many injuries at the collision scene.

While the insurance company may fight you, medical professionals know that pain from injuries after a car accident may take time to develop. The wrongdoer (and the wrongdoer’s insurance company) are not off the hook because you told the officer you were not hurt. The law requires wrongdoers and their insurance company to take full responsibility for your injuries.

If you have any questions about your car accident, please request my free resources or contact me for a free consultation.

Free Car Accident Guide

Download your free copy of my Car Accident Claims Guide in Plain English by clicking below.

Injured? Get Help!

September 11, 2014

What is a Statute of Limitations and How Can It Destroy My Case?

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What is a Statute of Limitations and How Can It Destroy My Case?

A statute of limitations is the maximum amount of time you have to file a lawsuit. If you do not file a lawsuit before the time limit, then your lawsuit will likely be thrown out. This will destroy your case.

The time limit starts when the injury occurs under most circumstances. For personal injury cases, like automobile accidents and slip/trip and fall injuries, there are two potential time limits.

Three Year Time Limit

The three year statute of limitations is the general time limit for most personal injury cases, excluding medical malpractice cases. For example, you generally have three years to file a lawsuit from the date of a car accident.

Two Year Time Limit

Some personal injury cases have a two year statute of limitations if the injury was caused by a government department or person working as a government employee (police officer, county employee, etc).

Some Exceptions Exist

There are limited exceptions to the start date. One exception exists for minors—you have extra time. A second exception exists for exposure cases. For example, if you were exposed to asbestos and develop problems years later. If you believe an exception should apply to your case, you must talk to a lawyer right away.

Properly calculating the statute of limitations is crucial to your case. If you have any questions about what the statute of limitations is on your case, please call me for a consultation at 888-510-3959