It may surprise you to know that our law firm gets a lot of questions about car insurance coverage.
But when you think about it, our job is helping people who have been injured in some type of motor vehicle accident – whether it's in their car or truck, on a motorcycle or even riding a bike or on foot – our clients need help dealing with the aftermath of a serious crash, and the unrelenting insurance hassles that come with it.
When you buy car insurance coverage, you expect that they will pay, at least partially, if not in full, for your personal injuries and the property damage you've suffered if you're in an accident. If the accident was caused by someone else, you would expect that person's insurance carrier will settle up financially in an effort to make you whole again after a crash.
But through our years of representing thousands of people who have suffered a serious injury, we know that the people who are in charge of handling your accident claim – and that includes your personal insurance agent, if you have one – are not readily willing to pay out what you feel may be a fair settlement amount. In fact, their job is to pay out as little as possible on your claim. And when you start dealing with these giant corporate behemoths, you'll quickly learn that handling these types of situations on your own can prove to be unbelievably exasperating, if not impossible.
Many people aren't really sure what type of auto insurance coverage they have purchased. You diligently pay your premiums each month, expecting that everything will be fine if you're involved in an accident. But when it comes to the details involved in each specific accident case that we work on, it is readily apparent that reaching a satisfactory settlement agreement with an insurance company is not for the faint of heart.
We continually meet people who, either prior to being involved in an accident, or after – who tell us they have ‘full coverage'. The fact is, the coverage that they think they have is most often not structured correctly to fully cover their losses, both physical and damage to their vehicle. The fact is that your own insurance agent, who could be the nicest neighbor you've ever had, a terrific golf buddy and an all-around swell guy, is not actually ‘your' agent, no matter what he may tell you. It may seem that they are representing you, and your best interests, when it comes to selling you a car insurance policy. But, in reality, they work for the insurance company they represent – either one single firm, or a line of multiple carriers from which they select the seemingly best coverage to fit your needs.
Believe it or not, one of the easiest and most effective ways to determine the specific type and levels of car insurance coverage you should buy is by asking an experienced personal injury attorney. In fact, Goldberg, Racila, D'Alessandro & Noone partner Mike Noone was formerly a senior claims analyst with one of the country's largest and most prominent auto insurance companies. Mike's extensive knowledge of the complicated, intricate details involved when someone makes a claim for damages after a crash is one of our firm's most valuable assets. When you are facing down a mega-insurance company that is doing everything it can to NOT pay your claim, having a personal injury attorney who has a thorough insight into how the whole process works can be your best plan of action.
There are some specific ways you can work to ensure you are really getting the correct type of coverage. The best way is to really dedicate some time to reading your Declarations Page, which is sometimes referred to by the agent as the Coverage Selections Page. By fully dissecting this document you can start to understand fully what you are getting for your money.
Goldberg Noone Abraham has developed this graphic of things to consider when looking at your Declarations Page in an effort to help you determine exactly which type of coverage you should buy (Click on the image or CLICK HERE to download the full PDF):
So often, people don't consider the financial ramifications of being involved in an accident, and how their car insurance will cover them. To make things worse, you may have been struck by a driver who has no insurance coverage at all, or is not adequately insured to cover your costs of medical care, future surgeries, pain and suffering, rehabilitation and therapist care or even lost wages if you are unable to work after your accident.
We realize many people have questions about their car insurance coverage, and we have the answers. We are always available for a no-cost, no-obligation consultation to discuss your specific situation personally with you. We urge you to consider exactly what type of auto insurance is right for you, BEFORE you find yourself hurt in a crash. Reaching a fair and reasonable financial insurance settlement may be riding on it.