Often, insurance companies deny claims alleging that no coverage exists under the insurance policy or that coverage is excluded. The Boughter Law Office has vast experience reviewing insurance policies and resolving disputes even though coverage has been denied. Insurance companies have a duty to deal in good faith with their insureds and process claims in a timely manner. If your insurance company has wrongfully denied your claim, failed to timely pay out benefits or wrongfully withheld monies owed to you, contact an aggressive lawyer today.
In most cases, people don’t interact with insurance companies unless they are purchasing insurance or have been in an accident. To add to the stress of being in an accident (and possibly sustaining injuries), it can be time consuming and emotionally draining to worry about obtaining a fair settlement. This is not to say all insurance companies aren’t fair, but the completely fair ones can be few and far between. We’ve compiled some tips for dealing…
According to the Northwest Indiana Times, even with the "federal mandate that all Americans purchase health insurance, about 1 in 8 Hoosiers still are personally responsibile for all the costs of their medical care." With an equal likelihood of accidents happening to the insured and uninsured, those without insurance are, in a sense, playing the lottery on a daily basis, hoping that sickness and injury avoid them.
Unfortunately good health and luck…
Absolutely not. There is never a fee for a consultation.
Will I be billed monthly for any costs?
No. At our discretion, we advance all costs during our representation of you and do not send monthly bills. At the end of our representation, all costs advanced will be clearly itemized for you so you know exactly where every dollar is going.
What’s meant by statute of limitations?
Statute of limitations refers to the need to file a lawsuit within a time limit. In Indiana, most injury cases, such as auto accidents or slip-and-fall claims, have a two-year statute of limitations, but not all. Some lawsuits, such as lawsuits against the government require a notice within a shorter period of time. The time begins to run when a cause of action accrues. A good example is someone negligently running into your car. The statute of limitation begins on the day of the accident. This issue can become more complicated, however. Sometimes, you have no way of knowing that you have a cause of action for years, such as discovering ill effects from taking a medication or being exposed to chemicals. It is important to seek the advice of an attorney and doctor if you suspect that you are having problems but don't know for sure if it relates to the negligence of another or an unreasonably dangerous product.
What am I entitled to recover after an accident?
You may be entitled to a number of different types of damages under Indiana law. Some of the more common types of damages in accident cases are: reasonable and necessary medical expenses, lost earnings, reduced earning capacity in the future, future medical expenses and prescriptions, pain and suffering, and permanent impairment.
What is UIM and PIP coverage on my car insurance and should I pay for this coverage?
In some states, there are “no fault” laws in place. In those states, if you're hurt in an accident, no matter who is at fault, personal injury protection (PIP) will pay your medical bills, expenses and loss of income. Indiana is not a “no fault” state, so PIP coverage does not apply to accidents in Indiana. However, if an Indiana resident is injured in an accident occurring in a no-fault state, PIP may apply. Uninsured Motorist (UM) or underinsured motorist (UIM) coverage is an optional coverage you may have under your auto policy which protects you if the driver who caused your accident was uninsured or did not have enough insurance—underinsured—to pay your claim. UIM coverage helps make up the difference in a negligent driver's insurance policy limits and the damages you suffered from your injuries. This is important because the emergency room bill alone could easily be many times higher than the $25,000 minimum liability coverage Indiana drivers are required to carry. When buying car insurance, think seriously about getting UM and UIM coverage. Hopefully you'll never need it, but if you do, it could make the difference in keeping your family afloat while you're recovering.
Do I have to go to court if I want to recover monetary damages?
Maybe. Your case may settle even before your attorney files a lawsuit; on the other hand, it may go all the way to a trial and a jury verdict. The majority of lawsuits are settled before they get to trial, but what happens in your case depends on the facts, the law and the parties involved.
If the accident was my fault, can I still recover compensation?
Some states have no-fault insurance laws. This means that you may be able to make some recovery of economic damages from your own insurance company. In other states, if your fault is found to be over a certain level, it is more difficult to recover compensation. An attorney in your state can advise you on the rules in your area.
What if the insurance company offers me a check right away?
Before you accept anything — or sign anything — from an insurance company for a truck company, be sure that you are aware of your legal rights and options. Accepting a check may mean that you are giving up your right to sue later on if you need extra medical care or you have to miss a lot of work. Consult an attorney before you negotiate with the insurance company for the truck company.
Don’t be strong armed by an insurance company, Put a fighter on your side and get the results you deserve.