Saturday, September 17, 2011

You want auto insurance because chances are that you will be in an accident at some specific point in your life

By Mick Roaney


It is a sad fact of life that anyone that drives a vehicle will be involved in an auto accident at one time or other in their lives. If this occurs and you live in California, then you should contact an automobile accident lawyer. In fact lots of car accidents are tiny bumps, which do not cause any injury to the drivers or passengers of these autos and this is something that insurance firms are used to dealing with. However , even if somebody is involved in a minor fender bender, they might need the services of a lawyer if there's a dispute as to who caused the accident.

Disputes can be cryptic as no one driver is going to confess responsibility, so if you firmly accept that an accident was not your fault then you need to chat to a very skilled car accident lawyer. Any good lawyer will have a team of independent experts who can help you with your claim. For example a crash investigator might be called on to examine the scene of the crash site to try and discern exactly what had occurred. From this, he/she is going to present their discoveries to your lawyer who will then build a case based upon this info.



Your accident lawyer will tell you that even if the accident was partially your fault you can still claim damages, thru something called 'comparative law'. Comparative law means people can still claim damages except that they're comparative to their level of cause. This level is worked out in percentage terms. For example, if a court of law deems that you were 30% responsible for a car accident, this would imply that in terms of awarded damages, you would receive seventy percent of the total figure.

In this instance it is down to your barrister to work out a % to which you are responsible. A talented Riverside auto accident attorney will be able to barter this percentage in a court of law and find an amount of compensation which both parties are satisfied with. This is no simple task and it needs a lot of expertise in handling such a law, but if exploited effectively could mean the most significant difference between the complainant receiving no compensation at all or a major percentage of the total amount.

Car accident disputes may not only involve both drivers. Instead it might involve your insurance carrier. Insurance, just like any other form of work is a business. This means that insurance companies are there to make money, otherwise they would not survive. Necessarily this would infer that some insurance carriers will look to get more premiums, re invest them and payout as little as they potentially can. Unfortunately this isn't an illegal practice and is just the way of the world. However some sneaky carriers take it too far and as a consequence either pay out limited funds, or don't pay out at all on legitimate claims. This is sometimes known as insurance bad faith. If you have been involved in an auto accident and your insurance company will not pay out what you believe that you deserve, then you should again contact a Riverside car accident lawyer. A seasoned lawyer has the talents necessary to get the payment from the insurance company via a court of law. There's also an opportunity that you might claim punitive damages against the carrier for infinite stress over the claim.

As you can see, when it comes to a disagreement involving a vehicle accident, you don't have to fight it on your own, and you actually shouldn't depend on insurance companies. Instead a very skilled lawyer who is well versed in coping with any type of car accident and the Problems that it throws up, will be able to put together a case for a successful compensation reward. Most counsels now operate a 'no win no charge ' policy implying that you don't pay a single cent unless you win the case, and then the counsel will take their charge from the winning claim. So the bottom line is to hire a vehicle accident lawyer today, you've not got anything to lose and everything to gain!




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