Have you ever wondered why insurance companies offer better rates for more experienced drivers and higher premiums for young drivers with less experience behind the wheel? Statistically speaking, a young man is more likely to get in a wreck than a middle-aged woman, and their insurance premiums will reflect this. For example, it is not uncommon to see a first-time young male driver quoted upwards of $200/mo. for auto insurance. Conversely, a middle-aged driver with a clean driving history can get much better rates, based on their history and the demographic bracket they fall into. Insurance companies are assessing their risk, as they’re basically agreeing to be financially responsible for a driver’s decisions and judgment behind the wheel.
As a personal injury law firm that deals almost exclusively with car accident cases, we have a bit of a unique perspective on insurance adjusters. Time and time again, we’ve witnessed the various strategies and manipulations used by insurance agencies, in order to minimize their payouts on valid insurance claims. Here in the office, we smirk a little when we see advertisements on TV and radio for the big insurers, touting slogans such as: “Like a good neighbor”, “under our wing”, “You’re in good hands” etc… The truth about how you may be treated by them is quite different when push comes to shove. Make no mistake, an insurance company is a business, whose goal is to make money. Insurers are in the odd position of having to elicit a client’s trust by promising to take care of them, while simultaneously serving their own bottom line needs. Basically, they want to settle your claim as quickly and for as little as possible, and they’re not on your side.
In the aftermath of an Asheville car or truck accident, one of the pieces of information you will want to collect is a copy of the official accident report from the crash. If the officer who responded to your accident was an Asheville Police Officer, you can follow this link to get a copy of their official report.
Get Your Crash Report Online
Social media is becoming an increasingly intertwined part of our everyday lives. Every day it seems like more and more of us are posting or scrolling through our Facebook feeds all day long, cataloging our lives and experiences to share with those around us. When something noteworthy happens, we’re quick to post it on Facebook for advice, feedback, or recognition. Unfortunately, there are scenarios where this behavior can cause major problems, such as posting about the details of a recent car accident. For a variety of reasons, Attorney Denton recommends that you resist the urge to share sensitive information about your car wreck on social media.
The question of what damages car accident victims can seek is unique to every client’s case. The term “damages” refers the various forms of compensation an accident victim is entitled to after an injury. Of the many Western North Carolina residents who suffer catastrophic injuries in car accidents every year, everyone’s case is different. In this article, the fourth in our series on catastrophic car accident injuries, we’ll discuss damages commonly sought in personal injury cases.