Browse Day by November 8, 2018
Legal, Personal Injury, Traffic Law

8 Tips To Say To Your Insurance Company After a Car Accident

Highway-121-Auto-Accident-AttorneysIf you have been in a car accident of any kind, you’ll likely need your insurance company to help your pay the bills related to injuries and car repair. If you want to maximize the amount you receive after an accident, read below the 8 things you shouldn’t say to your insurance company. Click here to know tips for handling your case after an injury from an accident

1 – Anything immediately after the accident

The insurance company is not your friend and shouldn’t be on your list of the first people to notify that you have been in an accident. Immediately after an accident you may be overwhelmed, scared, or even angry and it can influence what you remember and how you say it. If you are injured, go to the hospital. There is plenty of time to call your agent later-after you have read through the rest of this list.

2 – “In my opinion…” “I think…”

Don’t guess or estimate anything. Unless you were staring at the speedometer at the time of the accident (maybe you were and that is why you wrecked), you don’t really know at what speed you were traveling. Unless you measured the distance you were from that other car, you don’t really know-so don’t guess. What you say to the insurance adjuster could be used by against you by implying that you were traveling too fast or should have had enough time to stop. He/She will ask questions several times and in several ways wanting you to make an estimation. Don’t. Just supply the facts that you know.

3 – “It was my fault.” “I’m sorry.”

Don’t say you did something you shouldn’t have or apologize for anything. Even if you were at fault, the other driver maybe has equal blame or is even more at fault for causing the accident. This goes for what you tell the police or the other driver right after the accident too. What you say can be used against you later.

4 – An official statement

You have no obligation to supply a recorded statement, even though they will surely ask for one. Like everything else you tell an adjuster, what you say can be distorted or taken out of context and used against you and having it recorded makes it harder to correct later.

images5 – “I’m not hurt.”

Some injuries may take time to manifest. You may not be bleeding noticeably after an accident, but may develop bruising later. Or, your neck or back may not start hurting until the next day after the adrenalin from the initial shock has subsided. When you feel pain you need to go to the doctor so the cause of your pain can be investigated and documented. Don’t sign a medical release until after you speak with an attorney. See #8 below.

6 – Family, friends, and/or doctor’s names

Do not give out any information about your family. Do not give out the names of your doctors. The insurance company may then contact them for more information about you, about what you told them, about your past, etc. You don’t need your personal life invaded and it isn’t required or necessary that the insurance company know these things.

7 – “I accept your offer.”

Many accident victims are not fully aware of the value of their claim and jump at the first offer made to them. Remember, the insurance company is trying to 1) pay you as little as possible and 2) close the case as fast as possible. To get the best possible offer, see point #8.

8 – “I don’t have a lawyer.”

Hiring an experienced accident attorney will give your claim more respect and attention. An attorney can use the details of the law to push the insurance company into doing what is right. By knowing how to calculate and prove both immediate and future damages of your injuries and expenses like: medical bills, time missed from work (both now and future), loss of earning potential, impact of an injury on your lifestyle, pain and suffering and any other out-of-pocket expenses you may have incurred as a result of being involved in an accident, an attorney can help you get the maximum benefit you are owed.

Business

Solar Panel Installation – Insights

Solar Panel InstallationThese days there are a lot of people hopping on the “green” bandwagon, looking for ways to reduce their impact on the environment. Solar energy, being one of the cleanest ways to power electrical devices, is quickly gaining popularity as the cost of solar technology continues to drop.

Indeed, solar energy is a great way to save on your energy costs and do your part to save the environment. However, if you are considering solar power as an option for powering your home, eventually you will need to make the initial investment of buying solar panels and having them installed on or near your house. For better tips, check out grid solar vs off grid solar panel installations.

D.I.Y. vs. Professional Help

While much of the work involved in installation can be done by the average homeowner, some parts of the process are more complicated and often require that you seek the help of an expert. It is important to know the dangers involved in solar panel installation, and to know when you are outside your area of expertise.

On or Off the Grid?

The first task you must complete in the installation process is deciding what you are using your solar system for so that you can decide where to mount it and how to wire it into your home’s existing electrical system. The amount of electricity you expect to use versus how much you expect to produce will determine whether you want your system to be wired into the grid.

For example, if you are in particularly productive spot and expect to produce more electricity than you can use, sometimes the electric company will pay you for the excess electricity you generate. If this is to be the case though typically you need the help of a certified electrician to make the necessary connections.

Location

Another thing you must decide before installing your solar panels is where they are to be installed. Picking the ideal location is a matter of evaluating various factors such as how the sun will cross the sky at various times of the year and which location on your property will receive the most sunlight. Typically, unless your house is at a low point on your land, your roof will be the most productive location.

Safety First

grid solar vs off grid solar panel installationsOnce you have decided on the details of your installation, it is time to mount the solar panels. If you are attempting to do this part of the job yourself, be sure you know what you are doing. Attempting to mount panels to your roof without knowing the proper procedures can leave you with a damaged roof that costs more to repair than it would have cost to hire a professional in the first place.

It is even more important, unless you are a certified electrician, that once you get your panels mounted you seek a professional to help with the electrical work involved in installation. Solar panels are capable of producing a current strong enough to power your house-this is also strong enough to seriously injure or kill you if you don’t know what you are doing.