Who Pays For Car Accidents

In this new volume, two lawyers debate which kind of automobile insurance is the best, no-fault or tort liability. This book presents in one place all the legal, political, historical, and financial arguments about the two types of auto insurance. Under the fault system currently used by thirty-seven states, tort law provides that the party at fault in the accident pays the full damages of accident victims. Jerry J. Phillips favors this system, arguing that it allows for fair compensation to the injured and deters drivers from dangerous behavior on the road. Stephen Chippendale counters this claim with the argument that tort-law based insurance combines high cost and low benefits, and that those who truly profit from it are the lawyers representing injured clients, while their claims clog up the court system. A better solution, he proposes, would be "Auto Choice," a plan under which consumers would choose whether or not they wished to be eligible for damages from pain and suffering. With civility and respect, these two legal scholars present thoughtful and thorough arguments on both sides of the debate, giving readers a balanced view of an issue that affects nearly every American. It will be of particular value to those in the fields of law, policy, and insurance.

In this new volume, two lawyers debate which kind of automobile insurance is the best, no-fault or tort liability. This book presents in one place all the legal, political, historical, and financial arguments about the two types of auto insurance. Under the fault system currently used by thirty-seven states, tort law provides that the party at fault in the accident pays the full damages of accident victims. Jerry J. Phillips favors this system, arguing that it allows for fair compensation to the injured and deters drivers from dangerous behavior on the road. Stephen Chippendale counters this claim with the argument that tort-law based insurance combines high cost and low benefits, and that those who truly profit from it are the lawyers representing injured clients, while their claims clog up the court system. A better solution, he proposes, would be "Auto Choice," a plan under which consumers would choose whether or not they wished to be eligible for damages from pain and suffering. With civility and respect, these two legal scholars present thoughtful and thorough arguments on both sides of the debate, giving readers a balanced view of an issue that affects nearly every American. It will be of particular value to those in the fields of law, policy, and insurance.

This book is written to provide you with more insight and knowledge about how the personal injury claims process works. This book covers topics such as: Protecting my right to compensation; mistakes made when dealing with your doctors after the injuiry; four deadly sins that can wreck your case; and insurance company tricks of the trade.

Armed with the right information, anyone can handle a personal injury claim without a lawyer. Attorney Joseph Matthews provides strategies for handling every stage of the insurance claim process including how to:- protect one's rights after an accident- evaluate what a claim is worth- handle a property damage claim- avoid insurance company run-arounds- obtain a full and fair settlement- save thousands in attorney fees

Warning: Making certain mistakes after an accident can make any insurance claims null and void, leaving you thousands of dollars out of pocket… If you want to learn how to do things the right way, then this short message will be the most important you ever read. Here’s why. In the United States last year there were 2.4 million car accidents In fact, most drivers are now likely to be in an accident at least once in their lives. And if you’ve never been in an accident before - believe me, you won’t know exactly what to do when it does happen Adrenaline is running high. You might be shaken up. There may be police on the scene. So it pays to learn the exact steps you need to take before you get into an accident This short book (you can read it from start to finish in less than 60 minutes) will show you the exact steps you need to take if the unfortunate does happen. Here's what you'll discover: What you may not know about leaving the scene of a minor accident The two words you should never say after an accident (doing this could land you a large bill at the end of the day without even realizing) The nine things to look for at the scene of a crash The unknown problem with waiting 48 hours after a crash to see a doctor How to avoid sleazy ambulance chasers and hire the right law firm - lawyers 5 hidden auto accident injuries (not just concussions and whiplash) Why you shouldn’t rely on smartphone apps to store your insurance details The startling link between car insurance and identity theft Why you should get multiple repair estimates The exact number of hours you should wait before contacting the police to get a police report Don’t hire an attorney before getting this straight - contingency The filing requirements for each state There’s also free bonus “at the scene” checklist included. You can print this off and keep it in your glove compartment so you are prepared if the unfortunate does happen And If you know someone who has recently passed their test - this book should be considered as much of a necessity as a tire jack and a hands free kit for their cell phone

Find out what you need to know about car accidents - and win your claim! Car accidents are the most common cause of death, the most deadly source of injury and they are the #1 cause of acquired disability in the world. As a driver or a passenger, you have a one-in-four chance every time you are in a car to be in an accident. Do you think you're covered? Think again. Insurance companies that are supposed to pay you for your harms and losses are NOT YOUR FRIENDS. Fortunately, here is all you need to obtain proper compensation. Paul A. Samakow, after decades of beating the insurance companies and winning cases for thousands of auto accident victims, shows you everything about: Medical bills Damaged cars Selecting an attorney, doctor and auto body repair shop Compensation for lost income, pain and suffering, future medical expenses, and permanent injuries Health insurance issues Knowing your state laws Government benefits ... and more To protect yourself, you must know what is in this book. Even the simplest collision can cause years of aggravation, wasted time and needless expense, but you can be a winner in every aspect of your claim. Even if the accident was your fault, you can obtain thousands of dollars. Keep this book safe - you may need it to get all the money you deserve!"

Auto Accident Personal Injury Insurance Claim reveals the inside secrets of claim negotiating and shows you how to settle your case for top dollar. This book will guide you through the insurance claim wilderness and provide you with the answer to that critical question: How much is my "pain and suffering" worth? The mystery of how to place a value on your "pain and suffering" has been solved with the introduction of BASE: The Baldyga Auto Accident Settlement Evaluation Formula. It will help you to prove your losses, and to know how to present them during your negotiations. You’ll learn the all-important 4 "Values" that BASE provides for you: The PREMIUM Value, The MEAN Value, The CORE Value and The LOW Value. The BASE Formula is a simple, yet revolutionary evaluation tool. Knowing how to guide an accident claim to a victorious payoff is not an exclusive ability, possessed by a select few. Don’t be seduced into thinking you can’t do it yourself. That simply isn’t true! This book will show you how. If you’ve been in an accident and you’re uninformed, you have little or no concept of the ultimate value of your possible recovery. Because of this, you’re less able to make appropriate demands. As the claims negotiation process moves towards a close, you’re settlement demands are very often too low or too high. You’re ignorant of the accepted principles, which justify your demands. When you attempt to negotiate a settlement with these handicaps, you run a strong chance of being victimized. The amount of compensation you should be paid isn’t found in a crystal ball. Rather, a number of simple factors such as the type of accident, related injuries, out-of-pocket expenses, medical costs and lost wages all go into determining how much a claim is worth. What amount an insurance company is willing to pay actually falls into a fairly narrow spectrum. To read this book is to become informed on bodily injury claim settlement facts and details. You’ll discover how to implement BASE so you can determine the monetary value of the "pain and suffering" you’ve endured because of your injury. You’ll know what to ask for and how to negotiate it. You’ll learn how to supply the adjuster with all the documentation and proof needed to establish your claim. You’ll gain the knowledge needed to accomplish this when you read Auto Accident Personal Injury Insurance Claim. And you’ll walk away from the negotiation table with a smile on your face.