Insurance Claims Help For You Blog

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What to Consider When Filing Third Party Auto Insurance Claims

Disappointment of seeing your vehicle damaged is only the beginning. If you have to make a third party car insurance claim it means that someone else caused

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Autobody Dimensions, Frederick MD

I just had my brand new car repaired after a minor collision with a deer, and wanted to pass on my experience on the body shop that did the work. Autobody

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How to Avoid Hitting a Deer

I've always been of the opinion that people hit deer because they are driving too fast and don't notice them when they run across the highway. My strategy

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IS UNLICENSED AND INEXPERIENCED DRIVER INCOMPETENT?

I recently had experience where my daughter was in accident with a 17-year-old unlicensed driver (learners permit) with NO ADULT DRIVER, who had an underage

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Assault and Arson: Intentional Acts

Reader question:While i was doing my paper route a man and his father assaulted me and broke my arm. The father's home owners insurance company,(both

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Slurry Spreading Safety Tips for Farmers in the UK

Agriculture is one of the most dangerous industries in the UK. According to the Health and Safety Executive, between 40 and 50 farmers lose their lives

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How to Report a Casualty or Theft Loss on Schedule A (Itemized Deductions) of Your Income Tax Forms

For tax purposes, casualty or theft losses are losses you suffer because of damage to or the loss of personal (non-business) property such as your home

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Cleanliness Can Prevent Medical Negligence Compensation Claims

When we think about all the different things that can go wrong in a hospital, and how complicated and confusing healthcare can be, it's surprising to think

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Is a Lien Holder Required to Provide Insurance?

I reside in Texas and recently was involved in a hit & run not-at-fault auto accident. After some investigating, I discovered the driver did not have

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Reader Question: Must the Lien Holder Apply Payment to the Intended Account

I recently owned a vehicle of which I obtained a loan with my title as collateral. By doing so a lien was placed on the vehicle. This vehicle has since

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Personal Injury Compensation Tips and Advice

No matter how safely you drive and follow traffic protocols, road accidents can yet happen as even if you can guarantee your vigilance and carefulness

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Home Owners Storm Damage !!! Read Your Policy !!!

No one ever wants to suffer a devastating loss and damage to their home. But sometimes things happen, and that is what we purchase insurance for - the

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The Rights of the Vehicle Lien Holder

My company is a lien-holder on the title to a vehicle. The client totaled the car and does not want to cooperate with the insurance company. We repossessed

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Use Your Smartphone to Show Proof of Insurance

My parents have told me to always carry my automobile insurance card with me, but one of my friends told me that I really do not need to, and not to sweat

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Reader Question: Child with an Eye Injury

My daughter sustained an eye injury. She gets a settlement from the insurance company but cannot get it until she is 18. What do we do about medical

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Reader Question: Who Pays When Excluded Driver is at Fault?

I was hit while riding my motorcycle by a guy who is an excluded driver on the policy covering the car he was driving. However, he has his own insurance

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The Last Clear Chance Rule

The Last Clear Chance Rule

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Statute of Limitations

Statute of Limitations State by State

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Claims Process

An explanation of the personal injury or bodily injury insurance claims process

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Assumed Risk

Assumed risk in an automobile accident may be basis for a denial of your claim.

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Boulevard Rule

An explanation of the typical Boulevard Rule such as in Maryland and DC

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Dram Shop Laws

Dram Shop Laws and their affect on personal injury claims

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Adjusters Fishing

Two public adjusters were fishing along the same beach in the Florida Keys. One said to the other, “My client had a total fire; my commission was so

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Your Personal Insurance Policy is Primary Even When Delivering Pizzas for Your Employer

I am a pizza delivery driver using my personal vehicle to deliver pizzas. Does the insurance coverage still follow the vehicle, or does my employer have

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Can I Make a Personal Injury Claim For My Unborn Child?

Can I make a personal injury claim for my unborn child? Tricia, Mt. Airy, MD Yes, a personal injury claim can be made for an unborn child who becomes

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Lien Holder Repercussions for Lapse in Coverage: Reader Question

I had a lapse of insurance coverage because I stored my car away for the winter. My lien holder contacted me, noting that there was a lapse in coverage

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How to Collect on a Life Insurance Policy: Reader Question

I found a paper in my Dad's file cabinet. It's a policy change form. It is a life insurance policy on my Dad. He died in 2009. I want to know how to

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Reader Sounds off: Credit rating affecting NJ Auto insurance rates..........

This is the most ridiculous thing I have ever heard. Allstate does it and so do most of the other companies. Even with the state of the economy no one

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Negligent Entrustment Also Applies to a Competent Driver Given a Defective Vehicle

Even if the driver he entrusts with his vehicle is competent, a vehicle owner may be found liable under negligent entrustment rules if the vehicle itself

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Florida No-Fault Automobile Insurance

We recently moved to Florida which is a no fault state. We have insurance through USAA. Can you tell me what this means in the event of an accident? Thanks,

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Maryland Law Now Requires Insurance on Mopeds and Motor Scooters

Effective October 1, 2012, new Maryland state laws apply to mopeds and motorized scooters. As of this date, all such vehicles in the state are now required

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Light Bulb

Question: How many adjusters does it take to fix a lightbulb? Answer: Three - One to fix it and another two to investigate whose fault it is that it

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Negligent Entrustment

An explanation of the rule of Negligent Entrustment

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Reader Review of Auto Owners Insurance: claim problems after Tornado

My Home sustained heavy damage after the Tornado on 4/27/2011. I thought no Problem that is what Auto Owners claims to do is handle your claim with no

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Five Important Steps to Claiming Life Insurance

When a loved one dies, grief can be over whelming. Sometimes, it is hard to move past the pain to get theirs as well as your own affairs in order. Not

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Reader Question about Medical Payments and Liability Coverage

I am in the process of filing a claim for injuries I sustained in an MVA. I have found this website to be very helpful. I am receiving conflicting information

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Ways that Medical Practices Get Caught for Insurance Fraud

How do medical practices get caught for insurance fraud? Antonio D., Fairfax A shady medical practice would get caught committing the crime of insurance

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U.S. Government Liens on Personal Injury Claims Cannot Be Ignored

I received a letter from the U.S. Government asking me to reimburse them for money they paid for medical treatment to a guy that I rear-ended a couple

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Why Your Passengers Can Make Personal Injury Claims Against You When You Swerve to Avoid A Deer

I swerved to avoid hitting a deer that jumped out right in front of me and I hit a couple of trees. My car insurance company is letting my passengers

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Review of Attorney and Mediator Arthur C. Crum, Esquire, Frederick, MD

Arthur C. Crum, Jr., Esquire has been practicing law in Frederick County and Western Maryland for almost 30 years. His office is located in downtown Frederick.

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Loss of Consortium Claims Require a Valid Marriage Before Injury

For a loss of consortium claim to be valid, it is necessary for the parties to be in a valid marriage, either ceremonially or by common law, and for the

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Personal Injury Claims: Loss of Consortium Claims Are About More than Just Sex

I can tell you from personal experience that a loss of consortium claim is about more than just sex. When my wife was injured in a car accident a few

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Why You Should Report an Accident to Your Insurance Company Even When You Are Not at Fault

I was recently hit by a guy who ran a red light. Should I report an accident to my insurance company even if he was at fault and his insurance company

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There is no Intra-Family Immunity in Personal Injury Claims

Can family members make personal injury liability claims against an immediate family member who causes an accident? Anonymous reader, USA Yes, of course,

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A Favorable Police Report Does Not Always Mean That the Insurance Company Will Pay for Your Damages or Personal Injury Claim

The police report says that the other driver was at fault for the accident, so why was my personal injury claim with his insurance company denied? Jordan

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Failure to Use a Seatbelt is Usually Not Admissible in Personal Injury Claims

Even though most states now have mandatory seat belt laws, the failure to use a seatbelt is almost never inadmissible either to reduce the amount of money

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Personal Injury Attorney Directory

The Personal Injury Attorney Directory : Inexpensive online advertising for niche attorneys; build links, get exposure.

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Tips on Auto Insurance

You are a statistic: To an insurer, you are not a person; you are a set of risks. An automobile (and any other type of) insurer bases your insurance

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Does a Speed Monitoring System (Camera) Ticket Affect Your Insurance Rates

I just received a ticket in the mail from our local police department (Frederick, Maryland). Apparently my vehicle was photographed going 14 miles over

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