My Car Insurance Life |

Patricia Woloch asked:


The number of cars on the road is increasing each year, and, unfortunately, so is the number of car accidents. Many people die as a result of car accidents, with many more receiving personal injuries. These injuries and deaths leave the victims and their families devastated, shocked, and often not knowing what to do next. Even though victims of car accidents are typically extremely traumatized, there are important steps victims need to take to ensure they receive the monetary compensation they deserve.

Car Accident Statistics

On average, there are over 6 million cars on the roads at any given time in the United States. More than 3 million people get injured due to car accidents, with more than 2 million of these injuries being permanent. There are over 40,000 fatalities due to car accidents every year. Although this is a very high number by itself, the good news is that statistics are actually showing that the number of car accident fatalities has been decreasing in recent years.

Common causes of car accidents:

• Driving under the influence

• Speeding

• Reckless driving

• Using cell phone while driving

• Falling asleep at the wheel

• Generally not paying attention

The majority of car accident victims are actually the drivers, then the passengers of the car, followed by pedestrians, and, lastly, cyclists. Every 12 minutes in the United States one person dies in a car accident and every 14 seconds one person is injured in a car accident. For the age group of 1 to 30 years old, car accidents are the leading cause of death with 15-24 year olds dying more often than any other age group.

According to the United States Department of Transportation (USDOT), in 2004 there were over 43,000 deaths due to car accidents. In that same year, the total number of car accidents was a staggering 6,328,000, resulting in over 3 million injuries.

In more than half of all car accident fatalities, the deceased were found not to be wearing their seat belts at the time of the crash. Even with seat belts being mandatory in all 50 states, a vast majority of people continually choose to disregard the safety precaution and many end up losing their lives because of this decision.

Christian Ward asked:


Car accidents may all look the same, but the truth is they all have their subtle differences. Therefore, no car accident claim can be exactly like another. Accidents will always happen, there’s nothing to do about it; but if you are unfortunate enough to be a victim of such an accident you should know that a successful compensation claim must be carefully planned if you want to make it.

All Car Accidents Are Unique

But know this: there are so many companies that try to “help” in this kind of situation that you can’t always tell which are competent and which are not. Watch it for those men who intercept you seeing the accident or at the hospital. They work on commission so you can’t say they are as empathetic as they seem. So seeing the difference between a good company and a bad one will be a crucial thing before you act.

In most of cases, these people will want your injury claim. Even if it means by-passing the small print! Also important, you shouldn’t let them go on and on about their “successes”, cases won, claims delivered etc, because your situation is unique, and so anything can happen. They are paid to practically fool you, so don’t let them.

Then How Do You Make A Successful Car Accident Claim?

Car accident injury claims are one of the most important issues in their field. There is not much room for interpretation and the most important information can only be gathered at the scene. It is crucial for the victim to gather as much as he/she can, making notes about the driver and insurance, the place where it happened, how did it happen and most importantly how. If the police is present then things are simpler, because they know better what to look at and what questions to ask.

Passengers In A Car Accident

In most cases, passengers will not have any blame in an accident; they can be from either, the fault or non-fault side. But it wasn’t them who drove the car, so they have the greatest chances of success when asking for a correct compensation. Of course, they need to be checked by medical specialists for their injuries, otherwise there will be no claim. Passengers (no matter if husbands, wives, children or relatives) can make their car accident claim without any hesitation. Why should they suffer because of another persons’ negligence?

If you were the passenger and your driver messed up, you can still make your claim, it was his fault, you didn’t have anything to do with it. So no matter in which car you were when the accident occurred, you make a successful claim! But if you were the one who drove and it was indeed your fault, then there’s no chance at all you could make a claim. Only your passengers will be able to do that, against you.

Payment Factors

Do you know that there are some factors that will cut down the compensation payments you can receive? For example, if you weren’t wearing a seat belt, you will get less money, 25% less. What’s more, if the driver was drunk when it happened, you knew that he wasn’t in the right condition to drive and still you didn’t do anything about it then this will lower your payment by a certain amount.

There are cases where the driver admits part liability on a proportion basis. Generally it’s 50/50, but it needs to be assessed by an investigator who will examine who’s at fault before concluding. There are even some cases that result to 80/20.

Decision Dilemmas

You DO NOT need to hold back thinking it was your friend’s or family’s car. They pay insurance premiums every year to ensure if anything happens, they’re covered and so are their passengers. You also need to not worry if you were in a taxi, bus, train or any other form of public transport. You can still proceed with an accident compensation claim, as the drivers are insured, as is the taxi, train and bus driver. Companies pay thousands every year in insurance premiums to cover passengers for these unfortunate accidents and injuries.

On speaking to a quality car accident solicitor will you be able to eliminate doubts in your head about payments, fees and procedures!

The Reeves Law Group asked:


A speeding Silverado pickup truck caused a multi-vehicle car accident on the 55 Freeway in Orange County, killing a two-year-old girl and injuring her father and her 4-month-old brother.

According to the Orange County Register, the two children, Sofia and Connor were traveling with their father, John Sales in his Mercury Mountaineer when the car in front of them, a Toyota, began to slow down. Sales slowed down his SUV to avoid an accident. A Chevrolet Silverado just behind the Sales’ car however was traveling at what officers later described as an “unsafe speed”. It couldn’t stop in time to avoid an accident, and it crashed into the Mountaineer, which in turn, hit the Toyota ahead. The two children and their father were rushed to the hospital, where Sofia, who had suffered severe injuries in the car accident, died a few hours later. John Sales and his son Connor escaped with minor injuries. The driver of the speeding Silverado, Armstrong Kitchen suffered moderate injuries in the accident.

For the Sales family, two of whose members are still receiving treatment for their injuries, this has been a terrible tragedy. Our hearts go out to them, and we wish them the strength to bear the loss of their little girl.

From what the OC Register reports, it seems that the driver of the Silverado was over the speed limit, and this resulted in him not being able to stop the car in time to avoid the crash. Speeding is one of the most common causes of car accidents in the country. A driver going above the normal speed limit has very little time, a fraction of a second in many cases, to make a decision that could impact his safety and the safety of others on the road. In that small period of time, he must decide what decision he must make, and execute that decision. It’s common in such a situation to have a complete panic reaction, and take the wrong kind of decision, which can lead to a loss of control over the vehicle, causing an accident. Even if the decision is the right one, there is very little time for the decision to be executed, and the motorist may fail to stop, swerve or turn in time, causing a collision with another vehicle, pedestrian or bicyclist. In any case, the consequences are always the same – a serious accident with a huge impact, followed by injuries, and even deaths.

A speeding car also exerts a greater force in the event of an accident, than a car that is going at an acceptable speed and is involved in a crash. High speed car crashes usually involve devastating injuries, including spinal cord injuries, severed limbs, and massive head trauma leading to brain injuries.

A person injured in a car accident where the other motorist was clearly above the speed limit can hold that motorist liable for any damages that ensue. In cases like this, it’s important that you consult with an experienced California car accident lawyer to build a winning case.

WAI asked:


Every year, hundreds of thousands of people are involved in car accidents, many of which result in significant injuries—even death—to drivers and passengers.

Car accidents are the leading cause of death for Americans under the age of thirty-four. It is estimated that each year, car accidents are responsible for over 40,000 deaths. Frighteningly, these statistics indicate that you are likely to be involved in at least one car accident in your lifetime.

Car accidents can mean collisions between cars, and also can occur with other vehicles such as bicycles or trucks, with pedestrians, and with stationary structures or objects, such as trees, guardrails or road signs. The most common types of car accidents are rear-end collisions, side collisions, rollovers, head-on collisions, single-car accidents and pile-ups.

The most common factors that leading to car accidents include:

· Driver distraction (eg, cell phone use, attempting to pick up dropped items, etc.)

· Driver impairment by fatigue, illness, alcohol or drugs

· Mechanical failure (eg, blown tires, brake failure, etc.)

· Road conditions (eg, foreign obstacles on the road, wet or slick roads, etc.)

· Speeding

When a car accident occurred, usually the injured victim will make a claim. In most of the cases it is the passengers of the car who had personal injuries and claims made by them have greater chances of success. However, if the car driver was responsible for the accident, then he can’t make the car accident claim.

In a successful car accident claim, the evidences that can prove the victim’s innocence and the negligence of the third party are very important. Besides, the claim for a car accident should be filed within three years from the date that the accident occurred.

As for the compensation, it will be made up of two parts. One is for special damages, which refers to the compensation to loss of earnings, medical costs and other general expenses; the other is for general damages, which refers to the compensation that calculated by the judge of the changed life of the victim as the result of the accident. However, if the passenger was not wearing the seat belt or if he knew that the driver was not fit for safe driving, the compensation might be reduced.

In some cases, the driver at fault may not be insured, and in such cases, the Motor Insurance Bureau will pay the compensation.

Everyone is likely to be involved in a car accident, and statistics show that most people are involved in at least one car accident in their life. If you are injured in a car accident, making a claim can ensure that you receive compensation for your injury and lost earnings.

When you are involved in a car accident that was not your fault, the accident should be immediately reported to the police and insurance company. You should seek medical assistance as soon as possible as well as collect evidences to support your claim. Evidence can be the names and phone numbers of witnesses or photographs of the accident site.

Remember, in order to make a successful claim, you must collect enough evidences that can prove your innocence. In addition, the claims for a car accident should be filed within three years from the date of the accident, so if you decided to make a claim, do as soon as possible.

As a car accident victim, you could seek legal help on a “no win no fee” basis, which means you won’t have to pay in the event that you lose.

In cases where the driver at fault was uninsured, the Motor Insurance Bureau will provide compensation to the victims of the uninsured or untraced drivers.

So if you encounter a can accident, feel free to contact an experienced car accident lawyer from www.1800thelaw2.com to help you.

Christian Ward asked:


Among all the personal injury cases, road accidents that involve motorcycles or cars are the most frightening. It can affect the passengers, drivers and the passers by as well.

People involved in car accidents can suffer different types of injuries - minor to serious. Severe car accidents may result in fatalities even.

With the increased amount of road traffic, chances of automobile accident are also higher nowadays. Life after car accident is sometimes more painful than the incident itself. Job loss, unemployment, reduced income, disability, injuries and top of all the feeling of being sufferer due to some one else’s negligence make life miserable.

Not all the victims are aware of their legal rights and they fail to claim what they deserve. Even if we subtract the number of people who cannot make it to court, hundreds of thousands car accident compensation claim cases are filed in the courts every year.

Car accident lawyers help victims and their families get compensated for all their damages and injuries. But compensation is the solution once the accident has happened already; the question is how the instances of car accidents can be reduced if not stopped completely?

Let’s review the most common reasons of car crashes. Once we know the reason, we can take proper measures to avoid it.

Driver’s inefficiency:

Drivers often forget their responsibilities and get tempted to break road rules and traffic laws desperately. Crossing speed limits, tailgating, disobeying traffic signals are the common causes of car accident. Such acts during rainy or stormy nights can lead to disasters.

Driving under the influence of alcohol or any other toxins:

Drunk driving could be dangerous. People lose control over themselves when they are drunk or under influence of toxins. There is an allowance although; a certain quantity of alcohol is considered ok for drivers, any amount higher than that should not be taken when you are going to drive.

Lack of concentration:

While driving full concentration should be given towards it, no active participation in any other activities is desired. Drivers often forget their duties and engage themselves in active discussion with co-passengers, talking over mobile phones or listening to music while driving.

The above mentioned factors can be controlled. Several laws have been introduced at state level too to control such activities. However, mass awareness is required to prevent road accidents due to driver’s negligence.

Below are some points where, not the driver but another party is responsible for the accidents. Whoever is responsible for the accident, UK residents should always contact personal injury lawyers for further legal help. Let’s proceed with rest of the reasons:

Defective vehicle or sudden break downs:

Cars and motorcycles are nothing but machines and machines can be defective or can crash any time. However, drivers and motorcycle riders should give their vehicles a check periodically to see if all the parts are working properly or not. Also, not a single mechanical problem should be left unattended.

Defective roads:

Local administrative body is responsible to ensure the roads and highways are safe for driving. If they fail to perform their duty, legal action can be taken against them.

Bad weather:

Heavy rain, stormy weather, snowfall, sustained wind and other natural calamities often lead to road accidents. Drivers, motorists and pedestrians should be extra careful on road during bad weather.

Patricia Woloch asked:


 

Car accidents are the leading cause of death for Americans under the age of thirty-four. Annually, car accidents are responsible for over 40,000 deaths. Frighteningly, these statistics indicate that you are likely to be involved in at least one car accident in your lifetime.

Causes of accidents

Many factors result in car accidents, and sometimes multiple causes contribute to a single accident. The most common factors leading to a car accident include:

· Driver distraction (cell phone use, eating or grooming in the car, dealing with children or pets in the car, attempting to pick up dropped items, etc.)

· driver impairment by fatigue, illness, alcohol or drugs

· Mechanical failure (blown tires, brake failure, axle failure, steering mechanism failure, etc.)

· Road conditions (foreign obstacles or substances on the road surface; rain, ice or snow making the roads wet or slick; road damage including pot holes, etc.)

· Speed exceeding safe conditions, such as the speed for which the road was designed, the road condition, the weather, the speed of surrounding motorists, etc.

Types of accidents

The severity of the car accident depends on the type of accident sustained. The most common types of car accidents are:

· Rear-end collisions

· Side collisions

· Rollovers

· Head-on collisions

· Single-car accidents

· Pile-ups

Collisions can occur with other cars, other vehicles such as bicycles or trucks, with pedestrians, and with stationary structures or objects, such as trees, guardrails or road signs.

Recoverable Damages

Car accidents are the most popular cause of personal injury claims, and whether you were the driver or passenger in a car accident, or even if you are a pedestrian involved in a car accident, you could be entitled to compensation for pain, suffering and injury caused by a car accident that was not your fault.

Some of the claims that you may be able to make include:

· Claims against an uninsured driver

· Claims for medical expenses caused by a car accident

· Claims for pain and suffering caused by a car accident

· Claims for lost wages

· Claims for damage to vehicle

· Claims for pedestrians involved in car accidents

It is important to seek assistance and advice from a qualified and experienced car accident lawyer as soon as possible following the accident. You may be limited for time when it comes to claiming compensation, so it is important to seek legal advice as soon as possible.

Dealing with the consequences of a car accident can be a serious burden. Besides dealing with the pain and suffering caused by your accident, you will have to deal with the everyday stresses of life, such as returning to work, paying bills and repairing or replacing your vehicle. You also may spend considerable time dealing with insurance companies and medical providers.

A skilled car accident law firm can navigate this legal maze with you. Securing the representation of an experienced car accident attorney can speed up the claims process and help you receive a larger settlement. Hiring competent and compassionate legal representation may be your best chance to resume your life as it was prior to your car accident, and move on to a better future.

Alva Pao-pei Alfonso asked:


Accidents Happen

Car accidents are one of the leading causes of personal injury claims. Car accidents can cause not just physical but emotional trauma to the victims. There are several contributing factors to these accidents, some of them are:

•    Driver behavior

•    Speed of the vehicles involved

•    Driver impairment (driving under the influence, etc)

•    Road structure

•    Vehicle design and engine condition

Alcohol-related car accidents alone account for 41% of all traffic fatalities since 2006, according to the National Highway Traffic Safety Administration (NHTSA). It is always good practice to educate your self on how to best avoid road accidents.

Here are some tips on how you can do that:

•    Be extra careful when parking. A lot of car accidents happen in this area. Make sure you follow parking area rules for your own safety.

•    Be careful at intersections. Slow down and look both ways before crossing. Even if the traffic light is red, do not readily assume that all drivers will stop because of that.

•    Keep a safe distance from other vehicles.

•    Wear your seatbelt.

•    Always check to see if your vehicle is in good mechanical condition.

•    Adapt your driving to the road conditions.

•    Try to avoid driving at night.

Accidents do happen, sometimes no matter how careful you are. It helps if you take extra precautions to make sure that you do your part in keeping your self and your family safe.

What to do in case of a car accident

When you have figured in a car accident, it may initially come as a shock to you. However, it would help in your insurance claim or in your pursuit of justice by filing a lawsuit regarding the car accident if you will remember to perform a few things. 

Traffic accidents usually carry legal consequences, and it is best if you can familiarize yourself with them so that you can at least remember what you should do to help with the case or claim afterwards. You can also educate members of your family on the matter.

Remember to:

•    Gather information – get the names, addresses, contact numbers of the people involved in the accident (the people who figured in the accident, police officers who responded on the scene, witnesses)

•    Get the name of the insurance companies of the other parties involved in the accident

•    Get the license place number of the other vehicles involved

•    If possible, take a sketch or photo of the scene of the accident

•    Take note if any of the people involved in the car accident are under the influence of alcohol

What comes next?

Getting competent legal advice after the car accident is essential. A personal injury lawyer can help you get the right kind of medical treatment and rehabilitation you need to recover from the accident.

Sound legal advice can also make sure that liability is proved so that you can be fully compensated. It is also essential so that you will understand what you are entitled to and what do the statutes of limitations prefer.

There are many reputable law firms in Los Angeles that can give you free legal advice on the matter. You can get good representation to make sure that you obtain what is due you.

Aside from getting sound legal advice, make sure that you cooperate with the treatment your doctor will recommend to assure that you will make a full recovery from the accident.

Our car accident lawyers have the expert skills in handling this type of personal injury case. Just log on to our website and learn how to obtain free evaluation of your case.

Robert Reeves asked:


A Richmond man has been arrested in a hit-and-run car accident in Vallejo, California that killed a 72-year-old man, and injured two people.

The car accident occurred on October 20th at about 4:15 pm, when Antonio Fisher ran a red light as he was driving along Tuolumne. He broadsided another vehicle, driven by 72-year-old Pablo Mata. There were two other passengers in Mata’s car – 51-year-old Donna Mata, and 27-year-old John Mata. Later that night, Pablo Mata died in the hospital from force trauma injuries sustained in the car accident. His two passengers were injured, and were rushed to hospital.

As soon as the car accident occurred, Fisher apparently got out of his car with his girlfriend, and they both fled from the scene of the car accident. As he was running, Fisher removed his shirt, and discarded it in a backyard. However, video surveillance tapes at a local convenience store earlier in the day had evidence of his wearing the shirt.

Fisher’s crime would have gone unpunished if he hadn’t been for a parole violation. On Tuesday, he was arrested by Sacramento police for a parole violation charge. As police interviewed him, they became suspicious about his involvement in the Vallejo car accident, because of witness descriptions that they received, as well as surveillance footage. During interviews with the police, he admitted to having being involved in the car accident, although he reportedly refused to identify his passenger. Fisher was identified by a witness in a photo line up. He is now being held for the parole violation, and is being questioned in relation to the car accident.

It’s a difficult time for the Mata family, and we extend our sincere condolences to them. The Vallejo and Sacramento police deserve special mention for their adept handling of the accident, and the manner in which Fisher was caught and arrested. Vallejo police have now requested the Solano County District Attorney’s Office to file vehicular manslaughter charges against Fisher.

The Mata family can now breathe a sigh of relief that the man who was responsible for causing Pablo’s death has been found and arrested. This man not only caused a car accident through his reckless driving, but left his badly injured victims on the streets to suffer while he fled. Fisher appears to have been forward thinking enough to discard his shirt hoping to evade identification, but unfortunately for him, the police were more vigilant than he had bargained for. This man deserves to be held accountable for his actions. The Mata family should consider discussing their next steps with a California car accident lawyer.

Paul Justice asked:


Have you recently been in a car accident in the state of Connecticut? Was it someone else’s fault? The National Highway Traffic Safety Administration (NHTSA) has just released the 2007 Traffic Accident Statistics. It was found that over 2,221,000 passengers were injured in 2007 in traffic accidents in the United States. Statistically you have a one out of 6500 chance that you will actually die in a car accident. In part because highway maintenance has become an increasingly large segment of the state’s annual budget. If you were one of the people who were injured in the state of Connecticut you should consider contacting your Connecticut car accident lawyer now.

One thing you can do to avoid car accidents is don’t use your cell phone while you are driving. Avoiding a car accident is critical because using your cell phone has increasingly become a major contributor to Connecticut driving accidents. Cell phones are one of the most common reasons for accidents whether it be someone texting and driving, or talking on their phone. Many states are now requiring the use of hand free phone devices while driving to try to crack down on the use of cell phones while driving. Connecticut is not one, yet. Exhaustion is another major cause of car accidents. According to Connecticut highway statistics many car accidents are simply the result of tired drivers. Stopping often and taking breaks can be a very effect way to avoid accidents due to exhaustion. If you find yourself extremely tired pull over, it isn’t worth getting in an accident.

Another consideration for drivers to contact their local Connecticut car accident lawyer is to help crack down on drunk driving which is also increasingly common cause of car accidents. It has been said that every 30 minutes someone dies in an alcohol related car accident this translates into 48 automobile deaths a day (2 per/hr) relating to alcohol. Accidents that involve alcohol go hand in hand with accidents that are caused by reckless drivers. A reckless driver drives too fast, too aggressively, or erratically. Reckless driving is exceedingly dangerous and is obviously unsafe. If you or a loved one has fallen victim to a drunk or reckless driver contact your local Connecticut car accident lawyer.

With accidents becoming more common in today’s society you might want to know what kinds of vehicles have excelled in crash test ratings. Two cars that have received the highest ratings (five out of five scale) were the 2008 Toyota Camry and also the 2008 Ford Taurus. Both cars start under $26,000 and have excellent accessories and styling. Also, many cars are now coming equipped with the parts to better maintain and keep control of your car when you are in emergency situations. Car manufacturers have worked aggressively on stability control which helps prevent skidding.

Sadhana Dhanyal asked:


It can be a traumatic experience being involved in a car accident. Most often, the injuries prove fatal. Relatively minor car accidents too can cause both physical and psychological injuries. If you have been involved in a accident of this kind, you can make a claim for the losses suffered. You can make a claim for the losses suffered. You can make car accident compensation claims.

It is believed that majority of the car accidents occur due to the negligence of the driver. Failure to put brakes, failing to look when pulling out of a junction or failing to keep the correct distance and crashing into the back of another car are some of the common causes. If you can prove somebody else was responsible for the accident, you can get compensation quickly. All car drivers must be ideally be insured. This will help get compensation fast.

To be eligible for this type of claim, you must be able t prove that injuries have resulted due to the negligence of someone. This must be proved through suitable medical reports, official records from police authorities, and so on. This will help substantiate the claim. You can get compensation quickly. Approaching accident claims specialist will help get compensation fast. They can simplify the while process of making a claim. The accident claims solicitors can help through the entire process.

The solicitors will work on a no win no fee basis and guarantee 100% compensation. It is advisable to make car accident claim by seeking help from claims specialists. Every car accident is unique and calls for different type of compensation claim. Claims specialist can help get suitable compensation quickly. If you make any mistakes while making a claim, your case will be delayed unduly. There are many claims specialists lawyers who can help get suitable compensation.

Seeking assistance from claims specialist’s lawyers is a good idea. The lawyers have abundant experience in handling claims cases. The lawyers can also help make a claim on no win no fee basis. This type of claims case doesn’t call upon the claimant to pay any fees. Irrespective of the fact whether the claim is successful or not, one need not pay anything. One can also make a claim by looking online for help. There are many claims specialists offering help. This is a simple way of making a claim.