The worst time to discover your car insurance is inadequate is when you have had an accident and the insurance company denies your claim. You're probably already feeling some stress about the situation, and perhaps you're still recovering from your injuries. Now you have to figure out why your insurance company is refusing to pay what you deserve.
In your rearview mirror, you noticed the driver's headlights entering tailgating territory. A quick feathering of your brakes did nothing to convince the driver to put some distance between his car and yours. While you may have anticipated the crash that ensued, you may have not predicted how you'd respond after the collision: fear of bodily harm, concern for costs associated with car repair and anxiety over an unplanned shift in the day's schedule. Most drivers experience this range of emotions after having been involved in an accident; however, the fact that this may be a common reaction doesn't make it any less personal.
While drivers may not be able to control how they'll respond to fender bender, they can prepare for the event by equipping themselves with knowledge so that their emotions don't dictate the terms of the accident resolution. If you have been following our blog, you are familiar with steps you should and shouldn't take after being involved in a car accident. Remaining on the scene of the accident, contacting police and exchanging insurance information are steps that should be taken to ensure that accident is properly documented. Additionally, if you don't want to go out of pocket for the accident, you will want a copy of the accident report to ensure that your insurance provides coverage.
Sometimes, a car accident happens from being in the wrong place at the wrong time. Most of the time, even if this is the case, the accident took place because of another driver's negligence. You could be going about your day, driving along, and get into a serious accident at the fault of another person on the road. You may have suffered serious injuries, leaving you worried about how you will recover, return to work and replace or fix your vehicle.
Under West Virginia negligence laws, if you were injured in an accident due to someone else's negligence, that party is responsible for the damages. If you were partially at fault, you can only recover damages from the other party for injuries that were caused by their actions or negligence.
It is a sad fact that those individuals who are most often the victims of abuse are those individuals who are least capable of preventing it. This is generally the case with nursing home abuse. It is unfortunate that any elderly individual is subject to abuse and it is even more unfortunate that elder abuse is more common than many people think.
In addition to nursing home abuse, there must also be an awareness of nursing home neglect. While there may be similarities between abuse and neglect, it is important to understand what legal distinctions there are.
When a car accident occurs, both drivers are supposed to stop, assess whether or not anyone needs medical attention, and exchange insurance information. Sadly, this doesn't always happen. A hit-and-run accident occurs when a driver leaves the scene without giving any info, either by driving away or by failing to leave their information behind after hitting an unattended car. If you are in a hit-and-run accident, make sure you follow these steps to make the post-accident process easier.
Whether it was a car accident that left you with severe back pain, or a work accident that left you with head trauma, if you are unable to work, you are likely feeling a financial crunch. Personal injury settlements and worker's compensation can only cover your expenses for so long before you find yourself wondering how you are going to pay the mortgage, your car payment and your electric bill.
Are there options?
Fortunately, there is an option when your finances start to dwindle. Social Security Disability Insurance (SSDI) can often bridge the fiscal gap that your injury created. Wondering whether you might be able to claim some of these benefits? Read on.
You'd likely be hard-pressed to find a driver in the Huntington area who enjoys paying insurance premiums. However, in addition to being legally required, most drivers also recognize the importance of having insurance. After all, if you're involved in a traffic accident and don't have insurance, you could end up paying thousands of dollars out of pocket for car repair and medical expenses.
While car insurance companies frequently tout the benefits of their coverage packages and how their rates are lower than those of other competitors, none of that matters if an insurer doesn't fulfill the terms of the policy you signed and unnecessarily delays payment, fails to pay you the full amount to which you are entitled or flat out denies your claim.
A car accident can be frightening, but knowing what to do after a traffic accident happens can help you feel more in control. Making good choices after an accident, no matter who is at fault, can also help protect your interests and reduce your risks of suffering financial losses.
What Are the First Steps?
- Don't leave the scene, even if the accident is very minor and you have addressed it with the other driver.
- Check on the driver(s) and passengers in the other car(s) to see if anyone is injured.
- Contact the police so they can investigate what happened and file an accident report.
- Exchange insurance information with the other driver(s) involved.
- Talk to anyone who witnessed the accident, and get their side of the story.
With the Labor Day holiday fast approaching, many West Virginia residents are planning their last big summer weekend getaway. These mini vacations often include road travel which brings to mind the many dangers that people can face on area roads. People who choose to drive after drinking or while distracted by cell phones or other objects are known to cause several crashes that should never happen.
West Virginia residents who think about Social Security Disability Insurance many generally only think of it in relation to disabilities that are physical in nature. However, many people may be unable to work and support themselves due to mental disorders. In some cases, Social Security Disability benefits may be available to help provide necessary income at these times.
There are many factors that go into determining whether or not a particular mental health disorder will qualify a person for SSD. According to the Social Security Administration, one of the requirements for SSD is a disability that is expected to or has already lasted longer than one calendar year. The level to which a person's disability prevents work will also be considered. Information will be required from medical providers and should include treatment and diagnoses details. Some self-reported information will also be required. The ability to manage daily life, handle social situations, and concentrate on tasks will be taken into consideration.