How to Ensure Financial Security After a Car Accident

When you have been in a car accident, you could be injured badly. You may be out of work for some time, or you may have to make expensive repairs to your car or perhaps the other party’s vehicle. All the items below will help you ensure that you are financially secure after the accident.

Insurance

You need car insurance to help repair your vehicle. Your car insurance will also help repair the car of the person you hit if you are at fault. You will have to pay for these repairs out of your own pocket when you do not have insurance. Chances are you will face major financial debt or even bankruptcy if you do not have insurance. You could also face a lawsuit especially if the accident is your fault.

Also, according to Anthony Clark Insurance Ltd., insurance will help you pay to replace your personal items. You can have an allowance through your car insurance that will pay for things that were damaged or lost in the accident. 

Civil Claims

You can make a claim in civil court if you feel that you were injured through no fault of your own. The civil claim could lead to a judgment or settlement that will pay you for your pain and suffering. If you have not explored this option, you could be leaving money on the table. However, beware of pursuing a lawsuit. If the other part feels that you were at fault of the accident, they can file a counter claim and attempt to sue you for their pain and suffering. They can also do this even if they are at fault for the accident as long as they have a credible claim that you were also negligent during the accident as well. 

Gap Insurance

There is another type of insurance that you need to have if you want to be financially stable after an accident. Gap insurance helps to pay for the difference between when you owe on a car and what the car is actually worth. You may owe $15,000 on a car, but your insurance may call the car a total loss at $13,000. The gap insurance will pay for the extra $2000 that you would have to keep paying for a car that you have lost in an accident.

Disability Insurance

Disability insurance will help pay your salary while you are out of work. You may never use your disability insurance, but you must pay the premiums to make sure that you are protected at all times. Most people get short term disability which lasts for 30 days, but they also need long term disability that will last up to six months. If you do not have disability coverage, you will lose all the salary you could make at work during the duration of your injury or disability. 

You also may have other expenses that will need to be covered as well. Medical bills are often very expensive and can be crippling financially without the help of disability insurance to take care of you and any loved one that may be involved. The last thing anyone wants while they are on disability is to have to worry about any financial problems or mishaps. Having the necessary insurance to help you out during this time will only lessen the burden and stress that has already been laid on your shoulders after suffering an accident.

When you are involved in an automobile accident, you need to make sure that you have covered all the items above. Each one helps you to remain financially stable even though you have lost your car, are injured and may be out of work.

How to Know When You Should File for Personal Injury

It’s easy to turn your nose up at the concept of filing a personal injury claim after suffering an injury, but just because this practice is sometimes abused doesn’t mean it isn’t valid. Sometimes in life, injuries happen and affect your life and through no fault of your own, you earn less or can’t do some of the things you used to do.

Filing a claim can be a long and exhausting process, mentally tough, emotional, especially when trying to heal physically at the same time. That’s why you need someone who has experience in the industry to help you decide not only when to file but how to go about making it happen.

Common Areas

Some of the more common areas of personal injury law include:

• Brain injuries
• Spinal cord injuries
• Motor vehicle accidents
• Long-term disability
• Slips and falls

And within these areas of injury, you may be looking at more specific incidents, such as:

• Car, truck and boating accidents
• Amusement park ride accidents
• DUI accidents
• Medical malpractice incidents
• Dog bites
• Construction site accidents
• Workplace accidents
• Accidents on private property

How It Generally Works

Usually, it all starts with an accident of some sort and an injury. The injury may be minor or major, but it happened because someone else did something they shouldn’t have done. That “something” can vary greatly, depending on the details of the injury.

They may have driven after having a few drinks, forgotten to shovel their sidewalk, let their dog roam around without a leash or prescribed the wrong medicine for a particular ailment. Once the injury is suffered, the victim will contact a personal injury lawyer and tell their story.

Then, the lawyer will lay out the options, whether he feels the case is strong and outline the best way to proceed. Sometimes, a settlement is reached out of court and sometimes the case must be settled in court. 

Following Advice

Since the top personal injury lawyers have experience in the industry and in the area you suffered the injury, it makes sense to follow any advice you’ve been given. Your lawyer will know who can sue in your area and what conditions must be present to get a decent settlement or any settlement at all.

Any reputable lawyer will do everything by the book and won’t be the stereotypical “ambulance chaser” type of personal injury lawyer. Suffering an injury out of the blue through no fault of your own is terrible.

Not only will there be medical costs, but you may not be able to earn in the same capacity. You deserve someone to take responsibility for your injury, so don’t feel ashamed about seeking out legal help. Make your claim and do what your lawyer says. Sometimes, you may receive a settlement and still be out some money after all the medical and legal costs. No one plans to get injured or wants an injury, so don’t feel bad about doing something about it.

Author Bio:

The author of the article is Jeremy Benson. He has been writing about finance, mortgage and law since 7 years. Blogging is one among his greatest passions. Follow him on Twitter@jeremybenson19.

Image Source: www.shutterstock.com

8 Ways You Can Save Money After Being in an Accident

Being involved in an accident can result in emotional and physical harm that has lasting effects. For many people, the trauma and shock of the incident can be difficult to recover from. If personal injury or damage occurs, it can result in extreme financial loss that takes months to recover from. Fortunately, there are ways to save money and prevent further loss from occurring in the process. 

1. Sell Old Jewelry

Most households have old jewelry, antiques, or valuables that are unused and are simply collecting dust. Visit local pawn shops or consignment stores to sell old belongings that are no longer needed, but may be of high value.

2. Use Coupons

To significantly reduce your grocery bill, opt for cutting coupons in the Sunday newspaper and with online coupons. Subscribe to coupon blogs and websites, which will inform you of large savings that can be obtained when pairing both manufacturer and store coupons on a single product.

3. Hire an Attorney

Many people don’t often think of hiring an attorney because they think it will save them money, but rather it would help them gain money especially if they were not at fault for the accident in the first place. However, according to the attorneys at Braithwaite Boyle Accident Injury Law, hiring an attorney after an accident is one of the smartest moves a person can make as they can help a person save, gain, or prevent loss of your monetary funds. They can help make sure that you are getting all of the money you need in order to make a comfortable recovery both mentally and physically. An attorney can also help protect you from those who might like to bring a lawsuit against you whether or not the accident was your fault. 

4. Refinance

Refinance a home or an auto loan, which will allow you to continue paying off the debt, but obtain a lower interest rate. This will immediately lower your payment each month and make it easier to save long-term.

5. Pay Off Credit Card Debt

Any outstanding balances on credit cards will cost more due to the interest being charged each month. Pay off the debt as quickly as possible, starting with the highest balance, which will allow you to save more annually. This will ultimately allow you to save money in the long run and hopefully give you some kind of peace of mind.

6. Participate in Ridesharing

Reduce the cost of transportation with ridesharing, which is available in most areas and is the modern way of carpooling. Several different services are offered locally for a convenient way of riding in passenger seats with one-time trips or daily commutes.

7. Purchase Generic Brands

Instead of spending more on brand-name products, opt for generic brands, which often use the same ingredients and recipes for prices that are often 30 percent cheaper.

8. Participate in Surveys

Allow your voice to be heard with surveys that are available online for compensation. Many different companies want reputable consumers who can review products or services. By completing a few surveys online each day, it can make for a convenient way of earning extra cash right from the comfort of your home.

Although it can be financially devastating to recover in the months following an accident, there are several ways to stay afloat and remain in control of your budget. By cutting back on luxuries and saving on products or services that you already use, it's possible to regain control of your financial situation for a complete recovery.

Items Your Car Insurance May Cover That Saves You Money

Car insurance is more than just a requirement, it is also a financial product that can save you quite of bit of money when you have the right coverage. As you are comparing auto insurance quotes, it is important to compare all of the coverage options so that you build a policy that does more than just satisfy state requirements. If you are a wise consumer, you can build a policy that saves you money in several different areas of car ownership. Here are five ways that you can save with a comprehensive policy: 

Rental Car Costs

If you are involved in an accident and your vehicle is disabled for 1 or more days, the cost of renting a car while your vehicle is being repaired can break the bank. Insurers offer loss of use, otherwise known as rental car cover, which will pay for a rental up to a specified amount per day. This can save you quite a bit when you need a replacement vehicle to commute or run errands. 

Windshield Repairs and Replacements

Windshields are made of glass, and from time to time glass will break or crack. Because a crack is an obstruction that can affect visibility, insurers will cover the cost to replace windshields minus the policy's comprehensive deductible. As long as you get repairs done through an approved glass company, you can have the claims payment sent directly to the glass company. For example, All-West Glass Ltd., a company offering windshield repair in Edmonton, will file glass claims for their customers to make the process as easy as possible. 

Body Damage Repair

There is nothing worse than being at-fault for a fender bender and not having collision coverage. If you have collision coverage, you will have peace of mind in knowing that the cost to replace body parts and repaint your vehicle will be covered. You may have to pay a deductible, but this is a far cry from having to pay for the entire bill. 

Towing and Roadside Assistance

You do not have to sign up for the CAA just to be safe when stranded on the side of the road. If you need a tire changes, gas delivered or a tow, having Roadside Assistance cover on your policy is a blessing. By calling a designated number, you will have a covered service call that will not cost you a pretty penny. 

Personal Injury

Personal Injury Protection or PIP, is something you can add to your car insurance that covers medical expenses and many times, lost wages. Having Personal Injury Protection insurance helps you receive maximum benefits whether or not the accident was your fault. Personal Injury Protection can also cover medical transportation. 13 states in the US make it mandatory to have Personal Injury Protection insurance: The District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah. 

Help Pay Your Loan/Lease

If you have financed or leased a car and the amount you owe is greater then its worth, Loan/Lease Pay-Off coverage will help pay the difference if you car is totaled. This makes it easier for you to buy a new car and have more money in your pocket.

Insurance may be an expense in some ways, but it also an investment in peace of mind. If you ever need to file a claim, you will be happy that you made the choice to carry optional cover that keeps your long-term expenses low.

Why Accident Insurance Is Necesary To Car Drivers?

• Almost all countries across the globe consider car insurance as a mandatory requirement. This means that a car must have a valid insurance cover for it to operate on public roads.

• However, people tend not to know the importance of having a personal accident insurance cover. In fact, some only buy insurance for the sake of abiding to the laid traffic and insurance laws.

• Accident insurance is of great importance more than people take it. A great number of people who have been involved in a road accident before can attest to the fact that the accident insurance cover was of great importance.

• You must therefore ensure you have a personal accident insurance to avoid any inconveniences should an accident occur

• Note that a car accident comes forth with a lot of complicated issues. Once a driver is involved in a car accident, a lot of troubles are bound to follow. In this regard, accident insurance is important to help victims go through such troubles.

• Once involved in a car accident, you insurer will require your car registration details. This will help them ascertain that indeed your car was involved in an accident.

• The insurance is then processed and compensation granted to the victim once confirmed. The following are benefits of having an accident insurance:

FINANCIAL SUPPORT

• Sometimes the accident might be intense to the extent of confining victims into disability.

• Also, an accident can be serious to an extent of making you not to work for a long time. In such cases, it might prove daunting to cater for your personal and family matters.

• However, if you are covered for motor accidents, your insurer will be there to provide you with financial support especially in times when catering for your living proves hard.

• In the same vein, death can result from an accident. In such cases, accident insurance will be important since it will help in catering for the family of the deceased.

MEDICAL CARE

• Injuries that occur as a result of accidents can be serious. In such cases, you will require medical attention which again might be expensive to pay for.

• In relation to this, the injured party will have no worries of settling medical bills. This means that you will undergo the recommended treatment without any kind of financial strains.

OTHER EXPENSES

• The good thing about accident insurance is that the victim will have any other expense resulting from the accident catered for.

• You will only require proving that the expense came as a result of the accident. Once confirmed, the insurer will step in to pay for such expenses.

• To pay for different expenses that occur during the accident can be super costly especially if left for the driver to settle personally.

• However, it is important to note that not all insurance companies offer such benefits to their clients. You must therefore take enough time to come up with an insurer with best deals and benefits.

Author Bio: Amy Lawson is a content writer. She is a professional blogger from London and have written many articles on Entertainment, Finance and Health categories. Now she is doing research on british driving licence etc.

Protecting Your Income After an Accident

Protecting your income after an accident should be one of your top priorities aside from getting better. If you were deemed at fault for the accident, you could be paying for your own injuries as well as the injuries suffered by others. If you are not at fault for the accident, you could still see your finances jeopardized due to lost wages and a settlement payment that may not arrive for months or years after the accident. 

Settle the Case as Soon as Possible

It is in your best interest to settle the case as soon as possible. While you don't want to take a deal that isn't to your benefit, you want to find a personal injury lawyer who can help you get your case settled within weeks or months.

Until your case is settled, you should talk to your creditors about alternate payment arrangements that may be available to you. It may be possible to defer or push back payments until your case has been settled. A debt settlement may also be a possibility to help you pay your bills without draining your savings account completely.

Keep in mind that if you settle your case, you can keep most or all of that money without having to pay taxes on it. Although you should consult a tax attorney or an accountant before determining how to treat any award you receive, it is good to know that you can be made whole without having to worry about the government making things even harder on you.

Make Your Insurance Company Pay Everything That it is Obligated to Pay

Your insurance company should be forced to pay everything that it is obligated to pay under your policy. However, you should be aware that your insurance company is going to take steps to pay as little as possible. The insurance company may try to claim that you were acting recklessly or in bad faith when the accident occurs.

Those who live in a state that has no fault laws, you will be going after your own insurance company for compensation whether you were at fault for the accident or not. If you were hurt at work, the insurance company representing your employer may attempt to stonewall as well. This is where workers compensation lawyers can help you get everything that you are entitled to.

Have an Asset Protection Plan Before an Accident Occurs

It is said that the best offense is a good defense. In an accident case, having an asset protection plan can overcome what even the best workers compensation lawyers or other attorneys can throw at you.

If you are at fault for an accident and don't have sufficient insurance, having your property or cash in the hands of a trust or a LLC could keep a victim from getting too much of your personal property.

However, be aware that some or all of your protected property could still be liquidated or handed over to anyone who is suing you related to injuries suffered in an accident that you caused. Your lawyer will most likely try to shield your assets in a settlement in exchange for some other form of compensation.

If you are the victim of a car crash or a slip and fall accident, you have the right to have your case heard without worrying about losing everything before the case is settled. Those who cause accidents can settle their cases in an equitable manner without having to live in poverty if they carefully plan for it. The key is to work with your personal injury lawyer and other legal counsel to determine the best course of action in your particular case. 

Common Restrictions On Over 50s Car Insurance Policies

For people over fifty, the cost of insurance is something commonly thought to increase as your continue to age. While this may be true with health and life insurance, the cost of car insurance frequently lowers as you get older. Although this is in part thanks to years of safe driving and the experience gained because of it, many companies place restrictions on the car insurance policies of drivers in their fifties and older. While these restrictions help result in lower premiums, they also provide limitations or require additional action in order to receive them.

Mileage Limitations

Frequently, auto insurance companies offer discounts to drivers in their fifties or older based on a reduced level of driving. These mileage limitations can save older drivers a significant amount of money each month, but restrict the total distance that can be driven throughout the life of the policy. After retirement, many people end up making shorter drives, and spending time in their vehicles less frequently. The less time your car is on the road, the less likely you are to get into an accident. With this approach, the lower risk of a claim is passed on to the insured driver through a reduction in premiums. When getting a new policy, ask your agent if there are any limits on the distance your are covered for and verify where your policy is in effect. Some policies only cover certain areas – traveling abroad may require additional insurance.

Defensive Driver Course Restrictions

Another way in which insurance companies reward drivers is through discounts association with the completion of defensive driver courses. Although drivers in their fifties have much more experience behind the wheel than their younger counterparts, the process of aging undoubtedly impairs aspects of driving such as reaction time. Discounts in car insurance for drivers who have completed defensive driver courses are a common way for companies to encourage safe driving and reward drivers who have been in the driver’s seat for decades.

Government Imposed Restrictions For Some Older Drivers

In addition to restrictions on car insurance policies that many companies have in place in order to provide discounts to older drivers, there are numerous other driving restrictions put in place by local governments. While these restrictions will vary based on where you live, it is important to check with your insurance agent regarding any laws that may apply to you.

Some of the more prevalent restrictions for older drivers include:

• Driving During The Daytime Only – Driving at dark can be dangerous for aging drivers because of a reduction in sight quality. Many municipalities require drivers over a certain age to stay off the road from dusk until dawn.
• No Driving On The Highway – The highway can be a dangerous place thanks to heavy amounts of traffic and high speeds. As a single mistake in judgment can have serious consequences not just for the driver, but also those nearby, some places restrict where older drivers can operate their vehicles.
• Mandatory Use Of Driving Aids – Perhaps the most widespread restriction on drivers over fifty is the mandatory use of driving aids. A number of locales require older drivers to complete regular testing to ensure they’re safe to drive and anything needed to drive safely, from glasses to hearing aids, is documented on drivers’ licenses.
• Being able to obtain more affordable car insurance is a benefit of getting older, but the lower costs are normally not without a trade-off. When obtaining a new policy, verifying any limitations placed by the insurance company, and ask about any other potential discounts you can receive due to your age. By understanding the requirements and restrictions the insurers have in place, you can ensure that you’re getting the coverage needed while saving as much money as possible.

Toni King has worked as an insurance agent for the past ten years and loves sharing his experience through various blogs. Toni often works with older drivers to make sure they’re getting the proper coverage at the best price.

Auto Repair You Can Afford: 5 Money-Saving Tips For Fixing Your Own Car

The high cost of doing business with a professional body shop may find many vehicle owners unable to address cosmetic issues should their car or truck be suffering from minor damage. With a good reference site for the tools, materials and other resources needed to tackle a range of simple repairs and projects, it may be possible to improve the look of any vehicle without breaking the bank. Learning what you need in order to do the work yourself can allow you to deal with dents, scratches and even a faded or worn paint job for a fraction of what you had expected to pay.

Removing Dents Yourself

From parking mishaps to storms and bad weather, there are any number of ways that your vehicles exterior may become damaged. A simple household toilet plunger may be all that is needed to remove minor dents and restore the appearance of your car or truck. Such a simple and cost-effective way to address a minor dent could make a bigger difference than you might have thought possible.

Replacing Bumpers and Exterior Lights

Even vehicle owners with limited mechanical experience may find themselves able to replace a headlamp, taillight or even a bumper should their car or truck be involved in a minor collision or other mishap. Basic tools and a repair reference that provides step-by-step instructions could make such a project a very easy task. Performing basic repairs yourself will spare you the the high costs of doing business with a body shop.

Painting your Vehicle

A quality paint job can cost thousands of dollars, leaving many drivers unable to address a worn or faded paint job. Learning what you need in order to achieve professional results from a do it yourself paint job can provide you with a more affordable alternative. Painting your vehicle yourself can often be done for much less than you might have thought possible.

Finding a Good Reference or Guide

Online resources that will offer a good reference for your paints, materials and other resources can be an invaluable resource. Learning which options and paints will provide you with superior results will ensure that your efforts are able to be as successful as possible.

Investing in the Right Materials

From quality automotive paints to aftermarket replacement parts, making smarter purchases with repairs will be as affordable as possible. Investing in the right materials and components is essential when undertaking any repair project. References and resources that will allow you to navigate your options with greater ease and success are never a concern that should be left to chance.

Over Fifty and Had an Accident at Work?

If you're over fifty and you've recently had an accident at work there are several people you should think about talking to in order to see if you are entitled to any compensation for your accident.

Accidents come in all shapes and sizes in the workplace, and unfortunately when making any individual case, regardless of your age, what you may or may not receive in the form of compensation is never a cut and dry issue. There are a vast number of points to be considered first – all of which can make your claim drag out for much longer than you would have originally considered it could. With that said, if you win your case the time spent on it will invariably be worth it, so if you believe your accident entitles you to financial aid, you should get in touch with a solicitor today to get the ball rolling.

When you get in touch with a solicitor they will ask you a number of questions about the event in question to try to find out who was to blame for the accident, and, if your employer, what your chances are of winning your case against them. The specifics that will need to be uncovered from these questions are:

If Your Employer is Negligible

This is the most critical part of your entire claim. If your employer admits they were liable from the very beginning then the whole process will be significantly easier for all involved, but if they don't, you're going to have to be able to prove employer negligence in order to have any chance of winning your case.

In the vast majority of cases, especially when it comes to employees over fifty, employers will admit negligence right away if they see this to be the case. Though they, of course, won't look forward to the prospect of handing out compensation, they will see that the fault is on their side and they'll have to work harder in the future to ensure it doesn't happen again.

Even if certain employers don't admit their negligence right away, often their legal team will put them straight on your behalf, pointing out the consequences of not giving into the claim quietly.

What the Extent of Your Injuries Are

It need to be remembered that your age should not be a factor in favour of your employee in this situation.

Simply put, they can't argue that because you're over fifty your injuries were greater than they would have been if you were in your twenties; as you have a legal right to work the position you were employed in, and they had legally hired you in that role (assuming that all to be the case).

When getting in touch with a solicitor for the first time they will send you to a medical expert both to get an accurate assessment of the injuries causes by your accident, as well as arrange for any treatment necessary if you're not currently receiving it. Once this is complete, your work accident solicitors will send these findings to your employer as evidence to your claim, asking them to respond in a certain time period. Once they have responded, either accepting or denying liability, you and your solicitor can move onto the third and final stage.

The Level of Compensation You Ask For

The level of compensation you ask for will depend entirely on whether or not your employer has accepted liability for your workplace claim or not. If they have, there's a good chance they have given you a compensation figure they will be willing to pay you for the matter to go no further. You can either accept or deny this figure. If they've yet to give you an offer you can make the first move, working with your lawyer to come up with a compensation amount that's fair based on your injuries.

Once a figure has been agreed upon, you will be able to use the compensation to help pay for any special hospital bills that have come up along the way, as well as to compensate yourself for the time you've had to spend off work.

In conclusion, if you're over fifty and you've recently had an accident at work there are several people you should think about talking to in order to see if you are entitled to any compensation for your accident.

About the Author:
Russell Worth Solicitors is one of UK's leading personal injury claim legal firm. Their work accident solicitors are members of the prestigious Law Societies Personal Injury Panel and the Association of Personal Injury Lawyers.

Been Involved in an Accident Through No Fault of your Own?

Accidents happen all the time, on the roads, at work, in schools, at the shops… the list goes on and on. As the number 1 accident claims company, we have seen it all. We all hope we will not be a victim of an unfortunate accident, but they are always sudden and unexpected, so who knows which one of us will be next? If you have an accident, and it is not your fault, you may be able to make a personal injury compensation claim, but there are things that need to be done to make sure your claim is successful. For the purpose of our 10 step guide we are going to assume, firstly that you have survived the accident and secondly that your injuries are such that you are conscious and mobile. As it is the most common type of accident, we shall use a road traffic accident as our example.

Our scenario is that you are on a B road; another car doesn’t stop at a junction and crashes into the passenger side of your car. He wasn’t going slow, so has spun your car and his own hit a tree.

10 Steps to Take if you Have Been Involved in an Accident That Was not your Fault

Step 1 – Turn off your engine, get out and see if there looks to be any further immediate danger to anyone. If possible, it is best to get everyone out of the vehicles, but do not move anyone that is in pain, you could do more harm than good.

Step 2 – Hopefully, you or someone else has a mobile phone. Telephone the emergency services so that driver and passengers can be checked out to see if anyone needs to go to hospital. When emergency services are summoned to a road traffic accident, the police attend automatically.

Step 3 – If anyone involved is up to it, have them stand in a safe position guiding other cars round the accident. The last thing you need is another car ploughing into the mess, which could just cause far more serious injuries on top of the ones you already have.
Step 4 – Swap personal and insurance details with the other driver. This would be an important step to take even if no injuries were involved, but as we think you have a broken arm, broken collarbone and probably whiplash, their details will make everything easier.

Step 5 – If there were anyone around when the accident happened, ask them if they would mind acting as a witness in the future if you need them to. If they are OK with that, take their name, address and telephone number.

Step 6 – By now, the police should have made the area safe and traffic should be flowing again. They will talk to every one involved as well as any witnesses, and from all this information, have to compile an accident report. Make sure that you get your view across to them as calmly and clearly as you can, they are far more likely to believe someone with this demeanor than a raving nutcase.

Step 7 – Make notes about the scene and how the accident happened while it is still fresh in your mind, although with that broken arm you may have to wait till you are at home and dictate it to someone. If the other driver does not admit he was at fault and the case goes to court, those notes might prove very useful to you.

Step 8 – You are probably on you way to hospital by now, that arm will need putting in plaster and they may well want to Xray your neck to make sure the injury is soft tissue and no broken bones. You will possibly be there quite some time, so for now sit back in the waiting room and take it easy. When they release you, take care to follow whatever instructions they give you.

Step 9 – Once you are home, and probably after a couple of days rest to relax you a bit more, you need to consider making a personal injury compensation claim against the driver of the other vehicle. There is actually a UK law that says if you have been injured in an accident that was not your fault, the guilty party should give you recompense. In reality, it wont be the young lad driving the other car that will have to stump up, his insurance company will settle any claim you make.

Step 10 – Find a good law firm to act on your behalf for your personal injury compensation claim. You could try and do it yourself, but we would not recommend that. Insurance companies are notoriously difficult to deal with. Their legal team will do their best to pay you as little as possible, quite rightly so. That’s what their job is. Just like the job of a specialist injury claim lawyer, is to make sure they get you as much as possible. Insurance companies would rather deal with the experts; they understand one another and speak the same language, legal jargon. It just makes every ones job easier, and will without a doubt, be a lot easier for you. Use a firm that is reputable, that you can find recommendations from previous claimants, and look to see if there are any other people that recommend them. Gather all your evidence, notes details of the other driver and witnesses and give them a call. If they are worth their salt, they will give you free advice about your claim and will ensure that every aspect of the effect of the injuries is accounted for.

So now we are at the end of our 10 Steps to take if you have been involved in an accident that was not your fault, you can hopefully go out in your car without worrying about what you need to do, and avoid that junction on the B road just in case someone shoots out of there without stopping. All part of the service from the Accident Advice Helpline, the no. 1 accident claims helpline.

The Cost of Cars: Is it All Getting Too Much?

We all like to have the little luxuries in life, but getting them is something that is becoming increasingly harder to do as the cost of living rises. There is little room for manoeuvre in financial terms as money is restricted not allowing for the things we love to indulge in. 

Cars are a luxury and in most cases a necessity, but the expense that surrounds them often makes them difficult to afford and to maintain. It is not simply the cost of the car itself that makes expenses begin to build - the running costs and maintenance and fuel prices combined make it something that is now a luxury for most and simply unaffordable for others. 

There are ways to attempt to bring the costs down; diesel cars, a budget direct quote for insurance, smaller engines, and older cars are all factors that play a part in reducing the costs.
Brand new cars have dramatically increased in price over the years; they have risen with the cost of living and in an attempt to be profitable in the time of economic crisis. Parts are more expensive as is labour, which significantly raises the cost of the car and any work that may need to be done to it. There are a higher number of accidents as the world has entered into a ‘suing culture’. 

There are drivers on the road that are looking for the opportunity to make an insurance claim for even the most minor of incidents - they are claiming mainly for personal injuries as a result of an accident which sees them being compensated with thousands of pounds for something that may or may not exist. This has had a direct impact on the cost of insurance premiums, which means drivers are finding it more expensive to insure their cars and even keep them on the road.
It is not just the suing culture that has added to the increased cost of an insurance policy, but the fact that insurance is now equal. There are no longer lower rates for women or older drivers. For cheaper rates, people have to earn a high no claims bonus and be considered a low risk driver, it takes time and can be relatively hard to do, as there are many accidents, which occur that, simply are not the fault of the driver. At the same time, there are more driving offences that have been introduced and will see premium costs rise.
The cost of repairs has increased at the same time as the cost of a vehicle. Parts are expensive, time and labour are costly and its just another area that adds to the expense of car ownership. Insurers are more than aware of this and the higher premiums are a reflection of the cost required to get a car back on the road after an incident. 
Finance tends to be the only option for those that are looking to own a car but cannot pay for it outright. The monthly instalments are spread over a number of years and make a car affordable, provided the financial arrangement contains no hidden terms. 

Often the interest that is added on top of the price of the car means you are paying back far more than initially borrowed, it could even run into the thousands. Car finance is a big commitment and something, which has to be paid every month regardless of the financial situation you are in, the car, will be reclaimed by the finance company if payments are not fulfilled.
It is incredibly difficult to be able to afford the things you want and the things that you need. There are means and measures that can reduce the costs of car ownership, but overall it is an expensive luxury but something that is more than worth it. It provides you with freedom and independence and makes everyday tasks significantly easier.

Buying Car Insurance for the First Time? These 4 Tips Should Make it Easier

Nearly every state in America requires drivers to have automobile insurance but despite that regulation, a 2009 survey from the Insurance Research Council found nearly one in seven drivers chose not to purchase insurance before they took to the roads. One of the reasons for that may be due to people feeling intimidated about all the choices available, and the fact that requirements vary by state.

Fortunately, there are some constants to rely on whether you’re buying insurance in Denver, Colorado or Charlottesville, Virginia. If you’re getting ready to purchase insurance for the first time, there’s no need to feel overwhelmed. In fact, the tips below should make your task more manageable.

Know What’s Required

There are two types of liability insurance available to buy: Property damage insurance and bodily injury insurance. As you might imagine, the first type covers damage to a person’s car or protects you during an accident in which you damage someone’s residence while driving. On the other hand, insurance against bodily injury means you shouldn’t have to bear the sole burden of hospital bills incurred by a person who’s hurt following an auto accident you were involved in.

Find out the minimum amount of each type of insurance you’re required to have, and if possible, buy as much coverage as you can afford. After an accident, you’d want to have the peace of mind that comes from knowing you won’t have to drain your bank account to cover damages suffered.

Consider Getting Additional Types of Insurance

Whereas liability insurance is often mandatory, collision and comprehensive insurance may be optional. Collision insurance gives coverage for your own vehicle in the event of a crash, and comprehensive insurance acts as a safeguard against things like weather-related damage and vandalism to your car. If your budget will allow, consider getting this extra insurance. Driving requires commitments, and choosing insurance can help you feel more confident every time you get behind the wheel.

Select a Logical Deductible

A deductible is the amount of money you pay out of pocket before insurance takes effect. When you’re able to financially manage a higher deductible, that usually means your insurance cost will be lower, but don’t become too persuaded by low monthly premiums with deductibles you can’t afford. It’s ideal to select a deductible amount you could pay comfortably if the need arose. By instead assuming you won’t need to depend on insurance, that could saddle you with a dangerous amount of debt.

Compare Your Options

Being adequately informed makes many tasks easier, and that reality certainly extends to purchasing car insurance. Take your time and compare quotes before reaching a decision. It’s now easy to shop online and contrast choices from home at any time of the day or night. Also be aware that you might be eligible for certain discounts, particularly if you drive a car that has many safety features, or you agree to successfully complete a defensive driving skills class.

Using the information you’ve just read, it’ll hopefully be possible to make your first car insurance purchase a simple one, and cause subsequent efforts to find new insurance providers to be hassle-free, as well. Good luck!

Writer Deanna Ford is a professional blogger. Check out her posts on car insurance denver world climate for more insurance tips.

Five Ways to Recognize How Much Car Insurance You Need

When it comes to deciding how much car insurance coverage you need, you should take the following five tips into consideration when coming to a decision whether you should increase or decrease or car insurance policy limits. 

#5 - How Much Driving You Do Each Day

Although a car accident can happen at anytime without any notice, drivers who drive a lot should think about increasing their car insurance coverage. This is because drivers who drive a lot have a greater risk of having a car accident. This is one way to determine how much coverage you need.

#4 - How Much Your Assets Are Worth

One of the main reasons why people need car insurance is to shield themselves from liability should they ever get involved in an accident. If you own a lot of assets or have a lot of money in the bank, then you need to adjust your coverage to make sure you have enough coverage that offers you the additional protection you need to shield your assets.

#3- How Frequently You Get Into Car Accidents

Drivers who are prone to getting into accidents should think about increasing their coverage. This is because drivers who get into accidents often are the most likely to have an accident. Drivers who have the greatest tendency at getting into accident need the most coverage because they are the most likely to get into accidents. By having the right amount of coverage, drivers who get into accidents often have the added reassurance that they will have enough car insurance to cover any property damage and personal injury claims.

#2 - The Type of Car You Own and Drive

Drivers who drive expensive cars need the most coverage because expensive can be very expensive to repair and replace. Drivers who do not have enough coverage in place may have to pay out-of-pocket for expenses that go above and beyond the policy limits of the car insurance. This is why it is important for drives to carefully consider how much car insurance they need when deciding how much coverage they need.

#1 - Mandatory Minimum Car Insurance Coverage Required by Your State

When deciding how much insurance coverage you need, there is a lot to consider. One of the most important things you need to consider is how much insurance you must carry on each of your vehicles. Every state has set mandatory minimum coverage, so if you do not have the right coverage on your vehicle you could be in violation of the law. Before deciding whether you need additional coverage, take the time to find out how much minimum mandatory car insurance is required and then decide whether the minimum mandatory is enough.

When searching for cheap car insurance in PA, you have a lot to consider. Your main priority should be to make sure you have all the insurance coverage you need. After taking everything we discussed into consideration, you may decide that you need more or less car insurance. Before making a decision on whether you need to decrease or increase your car insurance coverage, take the time to consider all of the tips outlined above.

How to Deal with an Accident Abroad that Wasn't Your Fault

Accidents Will Happen (Photo credit: elycefeliz)

Being involved in an accident whilst abroad can be a really traumatic experience. The experience is even more difficult to deal with because you are so far away from home. Accidents whilst abroad bring much confusion with insurance to deal with, different laws, and language barriers. Regardless, if you have been injured whether physically or psychologically due to someone else’s fault or neglect, then you need a little understanding to make the circumstances a little more bearable. You can get this information and the advice you need from experts back in the UK without complication.

If you are involved in an accident abroad, then you will probably want nothing more than to get home as quickly as you can. Whatever you do, make sure you record anything and everything to help you when you get home. You can get advice from the experts as to what to do next and focus on your efforts on a speedy recovery.

The key to effectively dealing with your personal circumstances is to contact a personal injury solicitor. Initially, you might be focused on getting home and will probably want to avoid any hassle if you can. This is where the experts can help; getting a hassle free service is simply a case of finding a reputable company to represent you and take on your case. If someone else is responsible for your injuries in whatever way, then why shouldn't 

 you get the compensation you deserve? You can get the best help ensuring you recover as quickly as possible, and that is the most important thing.

An accident abroad can have a happy ending; as strange as that might sound. If you can recover as quickly as possible and recover any lost earnings for example, then at least you can get back to full health and get back to your day to day routine as quickly as possible. Personal injury solicitors can take on all the legalities and hassle for you so you can completely avoid any stress that you would prefer not to be involved in. They can also offer their expertise and advise you on whether or not your claim is worth pursuing. They may even be able to give you an indication of how much compensation you can expect.

Personal injury lawyers have the expertise to help you deal with an accident abroad that wasn’t your fault effectively. If its money you are concerned about, then you can even consider a ‘no win no fee’ option. These options are designed to ensure you get 100% of the compensation awarded to you. The idea is that your representation will claim their fees from the opposing party. Again, the deal you get here depends in the company you choose; always look into the detail to make sure you are getting the service you expect and don’t be afraid to ask questions along the way.

Dealing with an accident whilst abroad can be really scary. It’s not nice to be involved in an accident anyway, but when you are so far away from home it can be traumatic. Get the help and assistance you need for a speedy recovery with a reputable personal injury solicitor.

Secure Your Car with Car Insurance and Enjoy the Driving

 (Photo credit: West Midlands Police)

You never know how and when perils come to you and destroy your possession within a moment. Your car is one of the most costly possessions. Many types of problems may happen with it such as road accidents, scratch or even theft. As it is very costly, so buying a new one is not always possible. Most of the time people take the car loans, so buying is entirely impossible. If you have the car insurance, you may not need to worry. The insurance company will cover any kind of damage of your car. You just need to give the premium of the insurance properly and on time. 

How to Choose the Right car insurance?

Every day there is lots of car insurance policy comes on the front page of the advertisement. But all of them are not true. There could be various types of hidden charges and limitations following which when you need the reimbursement, you will possibly not paid or partially paid. So you are advised to do some market search. There are many social networking sites or blogs where people often keep talking about various types of insurances related to the car. If you wish you can be a part of them. In this way you will be able to place the best deal with minimum premium charges. 

Few Necessity Of The car insurance

For securing your car from any kind of damage, fire, lightning, self-ignition, terrorist attack and so on. This type of car insurance can also recuperate your car from the damage caused by the natural calamity or from social riots. How much you will be reimbursed depends upon how much deal you made with the insurance company. You can get up to full reimbursement fees. But for that you have made the deal in a good amount so that your car could be secured from any kind of damage. There is various policies start from the low range to the high. You have to choose according to your financial strength. 

Benefits Of The car insurance

Having car insurance is an added advantage because the possibilities of car accident, theft and scratch are nothing new and each time you have to repair by yourself spending a lot of money if you don’t have insurance. It is like a ventilation support of your car. There are so many insurance companies in the global market that vary upon the state to state or country to country. But the policy should be always user friendly. In every way it should facilitate the benefits of the car. Sometimes if you search, you may find some companies offering some discounts with the same policy. You can inquire about these and can think of opting one for your car. 

Few Tips for You

You have to renew the insurance after certain time interval so that you do not need to do it afresh again. If you opt insurance from the popular and well established insurance company you may access the online payment option and usually their customer service cares are very good and supportive. You may find their help on 24x7 hours. so if you have any trouble regarding your car, you can directly call them up and the next procedures could be very smooth with the good companies.

Ensure a Smooth Drive in Mexico with a Proper Insurance Policy

(Photo credit: Wikipedia)

Planning a trip to Mexico? Well that would be fun but if you still do not have an auto insurance policy it would be wise to get one before starting your trip. Wondering why I’m stressing so much on that? The legal system in Mexico is not like other nations. It is pretty stringent. A small accident might land you up in jail! A proper insurance will help you to protect yourself from the risk of theft and other kind of damages.

A closer look on the various aspects of Driving in Mexico

The Driving style - The driving style of most Mexicans is going to test your skills. It is unlike what it is in states of America.People over here are not at all formal while driving. You might find things illogical but that is how things are in this part of the world when it comes to driving.

The Mexican Legal system – The Mexican legal system is quite offbeat. Often it is termed as ‘Napoleonic code’. You will be taken aback to know that over here one is considered to be guilty until he/she is proven to be innocent. That might sound kind of bizarre but again, that is how it goes. What’s more? An automobile accident is considered as a crime. Therefore in order to ensure safety, you need to have a Mexican auto insurance policy. That can help you stay out of jail or police custody in case you bump on to someone. It should also be noted that the Mexican authorities do not recognize the insurance policies of any other region, not even that of Texas. Therefore you must have separate auto insurance policy of this land in order to ensure safety.

Road conditions – The road conditions are not up to the mark. You might have some bumpy experiences while driving. The rural areas do not have the smoothest of roads and you might have to encounter lose livestock here and there. So drive slow but steady. The urban areas are obviously a lot better. There are some renovation works going on. There are some freeways that are of international standards and some that are not so good. So before starting off with your road trip seek information from local guides about the road conditions and which roads to avoid.

These are some of the important things that you need to keep in mind in order to experience a great and fun-filled Mexican trip.

What Will Be Replaced After An Accident

A car accident (Photo credit: Wikipedia)

When it comes to purchasing a car we all have our own set of preferences on what we require but what about when it comes to gaining some perspective when one is involved in car accident? The first order of business would be to deal with any kind of medical issues and then contact one’s car insurance company. Depending on how much damage is involved car insurance coverage can replace the entire vehicle or certain portions of the accident. A car insurance quote can generally be done within a few hours once the car as been assessed by a qualified car mechanic.

In some cases policy holders are redirected to their insurance company’s affiliates to get several auto insurance quotes so they can begin the process of repairing their automobiles. Most firms will have a listing of multiple vendors that can assist with auto insurance quotes. In general most vendors will have a variance on any kind of car insurance quote which makes it a necessary investment in time to do some research. Getting great auto insurance quotes can sometimes be through a family member or close friends but one should check with their primary car insurance company to see that they are part of the company’s designated firms as some will not extend funds if they are out of their working network.

Once the individual reaches a mutual agreement with the vendor the car insurance quote for repairs can be passed on to the individual’s insurance company. It is the responsibility of the vehicle owner to authorize payment from their car coverage company and also if there are any additional funds that may be needed to pay for what is not covered before the vendor can proceed with repairs. Many times insurance quotes are limiting as to what the dollar value of the car would be at the present time. To get auto insurance quotes that have unbeatable coverage one has to have a great driving record with no more than 1 or 2 accidents within the last 10 – 15 years. The amount of time spent on the road as well as locations driven is also vital to getting cheap auto insurance.

Icy Road Conditions in Winter

As temperatures plummet in the winter months, the roads become more treacherous, with darker days and longer nights just the tip of the iceberg (if you'll pardon the icy reference). There's also the low visibility caused by heavy rains and snow – plus the most dangerous conditions of all: icy roads and the hard to see 'black ice'. When some or even all of these conditions combine, then it can be all too easy to lose traction on the slippery road surface and have an accident. Here are a few driving tips to help cope with the winter roads and to help you avoid injury – or at the very least, a road accident claim:

General driving on icy roads

The most basic thing to remember when driving in wintry conditions is to drive more slowly than usual and apply your brakes more gently. Make sure your visibility is maximized with frequent use of the windscreen wipers and screen defroster. Be careful about deploying brakes in general – on icy roads they can often do more harm than good.

When making turns, changing lanes or stopping give other drivers more warning than usual with brake lights and indicators and keep your distance, as icy roads mean significantly longer stopping distances. If a skid does occur, turn your wheels into the direction of the skid to regain control.

Another point to bear in mind is that ice remains slippery even when it is melting. Driving more slowly allows your tires to push more water through their treads, thus increasing traction.

Recovering from traction loss

There's nothing quite like the gut-wrenching feeling of skidding while driving, and icy road conditions make skidding an ever-present danger. Fortunately, how to recover from a loss of tire traction is relatively straightforward and – providing you were not driving too fast or recklessly at the time – usually works, with the overall aim being to maintain the path to your original destination. To do this, you have to fight the natural urge to focus on objects you're trying to avoid, such as barriers, trees or people, relying on the direction of travel to do this for you.

Just immediately take your feet of both the gas and brake pedals, and keep your eyes on the safe area you wish your vehicle to travel to, before turning smoothly in that direction.

Do not slam on the brakes, as this simply locks your wheels and removes all directional control from them.

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