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Family Law

How to Deal With Insurance Companies?

Having insurance is very essential today and in some cases it’s a requirement by law to have insurance. If you are thinking of buying an insurance policy or are in a situation where you need to claim on an existing insurance policy then it is advised that you take proper steps to protect yourself and get the best deal out of the situation. As a well informed consumer it will be beneficial for you to have a clear understanding of the policy details before buying it. Further, it is also important to collect appropriate information before making claim on a policy as it will increase the chances of a successful outcome. Getting proper legal advice is usually a good way of ensuring that you make a right decision regarding your policies and claims.
Here are some tips that will help you in dealing with insurance companies.
Buying The Policy: Insurance company agents are not always completely true about their policies. They might tend to hide some points in the policy. As a consumer you should take proper notes including the details about coverage you are buying when the insurance agent explains them to you. These notes should be kept with the policy file along with any promotional material that you are given when you buy the policy. Do not rely on the agent and always insist on reading the completed application form yourself. Further, you should be honest while answering the questions as any misinformation on the application form might result in unwanted results when you claim your policy. You can also ask a lawyer free of cost regarding the policy over the internet as many lawyers offer free legal advice over the internet.
Making a Claim: Making all those notes and saving them with the policy file will come handy while making claim on the policy. Before you speak with the company representative, go through the notes and policy. Go through the coverage, exclusion and limitations on the policy and make sure that you do not say anything that the insurance company could use to deny the claim.
Further, collect proper information and all the evidence you can in support of your claim. One of the best ways to do so is by taking photographs of your loss and by keeping proper records of it. As a policy holder you should never exaggerate the loss or any aspect of the claim. Before accepting the evaluation of loss from the insurance company’s expert you should get an estimate from a reputed independent insurance expert. You should also obtain legal advice before submitting to an “examination under oath” by the insurance company.
Maintaining a log of all the activities and communications with the insurance company along with representative’s name, position and phone number would be a good start for the claim procedure.
In Case of a Dispute: You can expect a little favor from the court when it comes to deciphering the policy. Courts usually aim to honor the reasonable expectations of a policy holder in such situations and any ambiguities in the policy are ruled in policyholders favor as the company framed the policy.
You can always ask a lawyer free questions regarding insurance policy and claims over the internet. There are many websites over which highly experienced and some of the best lawyers offer free legal advice to visitors.…

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Attorney

Accident Claim Trap (ACT) – ACT Against It – Truth About Insurance Companies

It’s on the rise but unfortunately insurance companies are trying to deploy various tactics to avoid a person involved in an accident using a personal injury lawyer or solicitor. It’s all about money. Insurance companies are trying to save money by dealing with compensation claims themselves or with a solicitor of their choice. Now, common sense should prevail here and you should be able to see straight through these insurance companies. They are not interested in your well-being or your circumstances, they want things dealt with, as quickly as possible, with minimum pay-out.
Take for example, the person at fault, who causes the accident sometimes can turn around and offer to pay you for damages there and then, at the scene. Now why does this happen? This happens for a reason. We aren’t mind readers but we can assure you that, apart from being humble, people try to do the same things that an insurance company does. People at fault, who cause the accident want to settle the damages, before you have time to think things over, and want to make a quick and smaller payment before things, that happened, can really sink in. What a coincidence, the same tactics are deployed by insurance companies. These people and companies are putting you on the spot, by giving you a small incentive in order for them to deal with the accident or injuries the way they want to, without taking your best interest to heart.
Compare Compensation Claims advises all our website users, clients or any person for that fact to always seek professional, expert legal advice from personal injury lawyers or solicitors before making any hasty or forced decision. It is a worrying trend that victims of road traffic accidents and traffic collisions are being urged to accept pay-outs for compensation directly from defendant’s Insurers before they have a chance to seek legal advice. It has been reported that insurers are pressurizing claimants to settle their claims without them having had any legal advice and without any medical evidence.
ACT against insurance companies who put you on the spot, trap and convince you that they offer you the best deals and services for your accident claim. Tell them to stop right there, give you the space and time to think things over and seek legal advice before you make any hasty decision. By law you have 3 years to make a compensation claim so there’s no need for any rushed or regretful decision.…