Safest Cars from Rollovers, NHTSA says

By on 6-16-2014 in Automobile Accidents, Insurance Issues

If you are thinking of buying a vehicle, it would be a good idea to find out if the car you’re considering is likely to get you killed or seriously injured. The National Highway Traffic Safety Administration (NHTSA) released a report ranking vehicles according to safety tests for rollovers, and provided some recommendations to increase the safety rating of a vehicle.

Among the vehicles that the NHTSA to be safer than others from rollovers are those produced by Mazda, especially the RX-8 4-door sports car on first and the Mazda3 compact sedan on third. Luxury vehicle maker Acura’s TL sedan ranked second while the new Beetle Convertible by Volkswagen and the Hyundai Tiburon sports coupe garnered 4th and 5th place respectively.

These are all noticeably low-slung cars which is to be expected as sedans are much closer to the ground that other vehicle types, making them much more stable. Predictably, the vehicles that scored the lowest in the NHTSA tests are all sport utility vehicles (SUVs) including 4×2 versions of Ford’s Explorer, Explorer SportTrac and Mercury Mountaineer, General Motor’s Yukon, and Chevrolet’s Tahoe. So if you really want an SUV, it would be better to stick to the all-wheel version of the Chrysler Pacifica which although not precisely an SUV it is close enough for government work.

The report also stated that while sedans gain more stability with more passengers, SUVs become less so. This is a sobering thought, considering the potential for destruction of a passenger-laden SUV. The injuries sustained by victims in rollover accidents are often catastrophic and life-changing. Habush Habush & Rottier S.C.® believes that when negligence plays a factor in rollover accidents, the responsible parties should be made to pay for the consequences.

The potential for rollovers is a real danger, especially in SUVs, but passengers who observe safety regulations have a greater chance of surviving it. According to the NHTSA report, about 75% of fatalities in rollover accidents were not restrained. In such cases, the safest cars in the world is no assurance of driver or passenger safety.

What to Do after a Car Accident

By on 6-16-2014 in Automobile Accidents, Insurance Issues

Being involved in a car accident would bring about a lot of expenses – from medical bills, to missed work, to future treatments, and many others. When you are a victim of someone else’s negligent driving habits then you have the right to file for a personal injury claim against the other driver. When finding for a personal injury lawyer to help you represent your case, you would need to find someone who knows the state laws regarding these types of cases. Because there are certain differences in laws between states, if you are in Oklahoma it would be better to find an Oklahoma auto accident lawyer to ensure that the person you hire will have a strong understanding regarding the laws and defenses related to your personal injury claim.

Because of financial restrictions, many auto accident victims put off filing a case until after they have the money to pay for their lawyers. This is, however, a bad decision, as delaying a personal injury claim can make it difficult to win the case because there is a statute of limitations as well as evidence that can be misplaced or easily questioned. For personal injury claims, it is imperative to immediately seek treatment and file a claim in order to have it gain stronger chances of getting approved. The issue regarding lawyers’ fees can easily be dealt with because most personal injury lawyers work on a “contingency fee”.

Contingency fee works by allowing the lawyer to work for you until you win the case. When you are awarded the compensation, they will be paid in accordance to a pre-agreed percentage of the award. The contingency fee can depend on the state you are in, but generally they range between 25 percent and 40 percent. A shift in your lawyer’s contingency fee can depend on the stage of your case and the amount of money that will be awarded for your case.

Additionally, there are certain fees and expenses that either you or your lawyer is responsible for, such as court fees and other litigation expenses. They can include the witness fees, expenses for retrieval of police and medical records, court reporter fees, and many others. It is highly advised to clear these up with your car accident lawyer, many misunderstandings and issues can come up when you and your lawyer did not have an agreement. If you are having a problem regarding your lawyer’s contingency fee or if you have something that you don’t understand, talk about it with your lawyer so that they can clearly explain it to you.

Car Accidents and Injury Claims

By on 6-16-2014 in Automobile Accidents, Insurance Issues

Car accidents are among the leading causes of death in the United States. Despite the many warnings, high penalties, and advocacies regarding safe driving, National Highway Traffic Safety Administration (NHTSA) reports that last 2013 an estimated 32,850 people have been fatal victims of car accidents. Despite the requirement for car insurance, many victims still suffer from financial distress after a serious accident. There are many reasons why a personal injury claim is denied by an insurance company. Here are among the most common reasons.

First, despite the severity of the injuries or the accident, a personal injury claim can be denied by an insurance company because they believe that the accident could have easily been avoided. This means that you may have done something that may have caused or led to the accident. Negligent action on your part can render the insurance policy coverage ineffective, and would therefore forfeit you to any compensation or insurance benefits. According to the website of Habush Habush & Rottier S.C. ®, instances such as these would often require the help of a personal injury lawyer to clear up issues, especially if you believe you did not do anything wrong and that the insurance company simply refuses to approve your claim.

Another reason for a denied personal injury claim is the possibility that no report or complaint was ever made or given immediately after the accident and injuries occurred. According to the website of Jeff Sampson, it is necessary to file a report and seek treatment immediately after the accident in order to have it properly documented and to have medical records that would serve as evidence of the accident and the expenses that were charged to recover from it. Delaying treatment or report of the accident may weaken your personal injury claim, as it would appear that the injuries are simply made up or just exaggerated in order to acquire benefits or compensation. Getting to the hospital as soon as possible so your injuries can be swiftly assessed is of the utmost importance.

On the topic of documentation, there are also times where a personal injury claim is denied because the medical records provided did not indicate the injuries or pain suffered by you. This is why it is important again to immediately seek treatment in order to have proper documentation. Along these lines, having an already-existing physical condition can also make a personal injury claim be denied. The other party may argue that the pre-existing health condition may have been the reason for the injury, rather than the accident, which is why you should find a knowledgeable lawyer to help you prove otherwise.

Being denied on personal injury claim can be crippling not only to your health, but also to your financial state as well. When you truly believe that you are innocent and deserve to receive compensation for the accident, consider hiring a personal injury lawyer who understands the laws related to these type of torts and know how to represent your case and protect your rights on court.

The Role of Insurance

By on 6-16-2014 in Automobile Accidents, Insurance Issues

Car insurance is a must, particularly in certain state that view it less than a liability and more of a requirement. Although many view car insurance as more of a pain than a benefit because of high premiums, car insurance can potentially save your life and financial state as well. Here are some reasons why having good car insurance coverage can protect you and your family.

In an event of an accident, having car insurance can protect you from personal burden and financial debt. Besides being a legal requirement, a car accident that is caused by your own negligence or fault could make you liable for medical bills and property damage done to the victims. On the other hand, when you are the one who is the victim and the other driver does not have insurance, you will have something to fall back on without having to be worrying on medical debts. Aside from medical and property payments, certain car insurance coverage can also pay for the repair or replacement of your vehicle.  In these events car insurance are proven to be vital.

Car accidents are a very common occurrence in the United States, and every year more or less 6 million of these accidents happen on American roads. Car insurance is part of life in the United States, and when disaster occurs, all the driver has to do to acquire insurance help is to file a claim from their insurance company. Insurance companies are generally subject to a contract to act in good faith – arising from the contract made between the insurance company and the client (driver) – and is further supported and strengthened by laws specifically related to the insurance policy contract. There are instances, however, where insurance companies fail to uphold their duty, and often this result to insurance bad faith.

Once this occurs, it is important to seek help from a professional car accident lawyer who knows the laws applicable in your state, and other cases in order to know how to have a successful claim against the insurance company who done the insurance bad faith. If you are around the Texas area, finding a Dallas insurance bad faith lawyer would be the most beneficial way to make sure you get what compensation you really deserve. It is difficult to move forward after a serious car accident if your insurance company refuses to provide your coverage.