Recent Blog Posts in September 2009 |
| September 23, 2009 |
| Don't Trust Mercury... |
| Posted By Scott E. White |
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In these tough economic times, the jobless rate has increased and many of us that are still lucky enough to have jobs have seen our salaries decline. At a time like this, every penny counts. Since we all know this to be true, why is the insurance industry proposing ways to take more money from the middle class?
In August, Mercury Insurance Company created a ballot initiative that would raise your insurance rates if you were involved in an accident that was not your fault! Since 1989, Californians have been protected by Proposition 103 which combats unfair rate increases. Mercury and the rest of the insurance industry would like to eliminate Prop 103.
Mercury has donated $500,000 to this ballot initiative so motorists would be forced to pay increased premiums for reasons that have nothing to do with their level of risk. The initiative would allow insurance companies to raise rates on (1) motorists who stop driving for a time and then restart their coverage (2) a motorist involved in an accident, even if it was not their fault (3) anyone who makes a late payment.
Here is the official title and a summary of the actual ballot initiative from the California Attorney General's office:
ALLOWS INSURANCE COMPANIES TO INCREASE OR DECREASE THE COST OF
AUTO INSURANCE BASED ON A DRIVER’S COVERAGE HISTORY. INITIATIVE STATUTE.
Allows insurance companies to raise the cost of auto insurance based on
the absence of prior automobile insurance coverage. Allows insurance
companies to lower the cost of auto insurance for drivers who have
continuously maintained auto insurance coverage, even if they change
insurance companies. Allows insurance companies to consider “claims
experience” when calculating the amount of any such reduction or when
determining which drivers will be eligible for it. Summary of estimate
by Legislative Analyst and Director of Finance of fiscal impact on
state and local governments: The measure would have no significant
fiscal impact on state and local governments. (09-0021.)
Don't be fooled by the fact that they state they want the power to DECREASE your premiums. Insurance companies have always had the ability to decrease premiums, it's the power to further increase premiums that they want.
Read more about this from Consumer Watchdog News.
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| September 21, 2009 |
| How to avoid being involved in a "liar's contest" claim |
| Posted By Scott E. White |
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A woman was driving through an intersection on a green light with her four month old son and her husband in the back seat area. All of the sudden, a big truck going the opposite direction came out of nowhere and cut her off by making a left hand turn in front of her causing a major accident in the middle of the intersection.
As the firm's Chief Investigator, I have heard this "failure to yield" accident scenario several hundred times over the past decade. While this accident was not much different factually than many of the other cases I have investigated in the past, this accident involved my own wife, infant son and myself as the injured parties. I am glad to say that our injuries do not seem serious, and that my son seems to be the least injured out of all of us, but the other party is already disputing liability.
Fortunately I did not lose control of my faculties at the scene of the accident, and I was able to accomplish some very important tasks that has ensured the success of my claim. I would like to share the steps that I took immediately after the collision, so that if you ever find yourself in a similar situation, you will not fall victim to a less than truthful defendant.
After determining that nobody in my car needed immediate medical attention of first aid, I took a picture of the defendant's vehicle and plate (in case she tried to flee the scene). I then scanned the area for potential witnesses after my wife pulled over to a safe area away from the crash site. Without witnesses, an accident can become a version vs. version "liars contest" that can drag a claim out for years, or even cause the innocent party to be blamed for an accident.
I approached a woman sitting in her car at the intersection, and I asked if she had seen the accident. Since she had indeed seen the accident, I politely asked if she would not mind giving me her name and telephone number - just in case something happened. I then took photos of the witnesses car and license plate, for future reference.
Within one minute from the time of the accident I had made my case against the at fault party in the accident. Had I delayed the above steps, I would not have had an independent witness who could verify that we had a green light, and that the defendant failed to yield the right of way to my wife.
The lesson to be learned here is that witnesses are sometimes the key to a case, but they don't always volunteer their services after an accident. Keep your cool and be proactive at the accident scene. Avoid arguments with the other party, or anything else that will detract you from ensuring you collect all of the crucial case information right away.
We called the police out to make a report. These days, many departments will not come out if nobody is hurt in the accident. If you are not sure if you are hurt at the scene of the accident, but do not feel normal you should tell them that you believe you may have been injured; even if you do not need an ambulance or paramedics. This will practically ensure that the police come out and make a report. Most importantly, it will lock in the other party's statement at the scene of the accident which makes it difficult for them to change their story later.
As we let the police do their job in making the report and to facilitate an information exchange, I gave them the witness information and he called her from his car. The at fault party tried to tell the officer that she had a solid green arrow, but the case was already made against her, and she was found to be 100% at fault.
Most importantly, if you believe you are injured you should know your rights, and contact an attorney as soon as possible before giving any statements to an insurance company. You can always call us toll free at (888) 203-PAIN or (888) 203-7246.
Stay safe out there!
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