Category Archives: Insurance Lawyer


Did You Loss The Insurance Card For Your Car?

An insurance card is what you receive with your policy in the mail about every six months.  Most of us have lost their insurance card, which is also called “proof of insurance”. It’s not weird.  The reality is that most of us don’t think about our ID until a policeman stops us, and we flip through the glove compartment.

It is a legal requirement that every driver will pay for personal injury or property damage caused by their car. However, it is impossible to check the appearance or proof of payment of a person and to determine whether they are capable or not, and that`s where insurance cards come in.

Insurance cards show financial responsibility. Since drivers must carry their insurance card with them always, losing this card can cause real issues, especially if you are involved in an accident.

Let’s dive into the details

What do I do?

If you lose your card, it is crucial to request a replacement card from your insurance company as soon as possible to minimize the likelihood of receiving a ticket, fines, or liability for unnecessary court costs.

Get a replacement for a lost insurance card

It is not the end of the world if you lose your insurance card.  You can get it directly from your insurance company, and there are usually no problems.  It is easy to get a new identity card.

First, call your insurance company.  You can get their phone number online. Some companies provide these services online. However, you need your policy information to log in to your online system.

Second, when you call a customer service representative, ask what you need.  Since it’s a service request, you don’t even need a licensed agent to send in your ID.  Nowadays, cards can be sent to customers via email, fax, or mail.

One limitation of this process is some companies may charge you replacement cards.  Usually, it’s a small fee.  In my opinion, this is an unnecessary fee.  Such five-cent operations result in the insurance company losing more goodwill than it earns with a $ 5 service fee.  If you’re at one of these companies, it’s probably time to look around.  You don’t want a company that clings to you at every opportunity. Though when comparing between AAA vs State farm, If you have very poor credit, State Farm could be the best option for you. On average, State Farm offers lower prices than AAA for prospective clients with credit scores of 579 or less and they would charge less in a situation where you loss your card.

Alternative to lost car insurance cards

In the event of loss of your car`s insurance card, it is vital to have some other form of proof of financial responsibility.  If you were stopped, you wouldn`t have a problem if you have a digital copy or duplicate of your car insurance card.  Unfortunately, not all states accept a digital copy, so you must have a duplicate somewhere in your car.

If the arresting officer does not accept any of these terms, you will likely be released if you display an electronic view of your insurance information by logging into your account as long as you have not committed a crime.

You must always keep a duplicate copy of your insurance card in your office or at home.  That should be a long-term precaution as you won’t be able to drive home to get just your duplicate if you have been stopped.

You can also apply for SR-22 insurance.  It is not insurance, but a document that shows that you are insured.  You can always have it while your insurance is still valid, even if you don’t have your insurance card.

You can also prove your financial responsibility with a letter of confirmation from your insurance company, a copy of the application for a government insurance program, or a copy of the insurance portfolio.


What Happens If Someone Hits You and They Don’t Have Insurance?

Almost every state in America requires drivers to have auto liability insurance. If you get caught driving without it, you can face several penalties. These include having to pay fines, losing your license, and even spending time in jail.

However, despite these possible penalties, there are still many people who drive without insurance. In fact, the Insurance Research Council estimates that one out of every eight drivers doesn’t have auto liability insurance.

It can be very risky to drive on the road when you don’t have car insurance. But what happens if someone hits you and they don’t have insurance? Well, things can suddenly get much more complicated.

Because of this, it’s important that you’re prepared in case you’re ever in such a situation. So continue reading and we’ll walk you through everything you need to know.

Uninsured Motorist Coverage

If you happen to get hit by an uninsured driver, then there are a few things you can do. More likely than not, you’re going to have to get your own insurance company to cover the damages to your car. And this is assuming that you’re insured properly.

If you want, you can even buy uninsured motorist coverage from your insurance company. This type of coverage is worth having in case you’re even in an accident with a person who doesn’t have any auto insurance and is liable for the accident.

There’s only a handful of states that require drivers to have uninsured motorist coverage. Still, the majority of states require that insurance companies offer this kind of coverage to their customers. Usually, your uninsured motorist coverage cannot exceed your standard liability coverage.

So if you have $250,000 in total liability coverage per accident, you won’t be able to have more than $250,000 in uninsured motorist coverage.

Is uninsured motorist coverage right for you? Well, as we already mentioned, practically every state requires that anyone who drives needs to be covered by auto liability insurance. However, there are still many people who don’t actually have any insurance.

Due to this fact, it’s definitely worth considering so that you can make sure that you’re protected.

Underinsured Motorist Coverage

Underinsured motorist coverage is a type of insurance that’s quite similar to uninsured motorist coverage. This type of coverage is used for damages that were created in an accident with a driver who has car insurance.

Uninsured motorist coverage is used when the other driver doesn’t have enough coverage to pay for bodily injuries, vehicle damage, and other losses that were caused by the accident.

Many states don’t require that drivers have underinsured motorist coverage. Still, it’s always going to be available as coverage that’s optional. When this coverage is used, it’s able to cover the difference between the other driver’s coverage and the total amount of your losses.

The policyholder usually has to make uninsured motorist and underinsured motorist claims in a limited amount of time. This time is set by the insurance company. It can sometimes be as little as one month starting from the date of the accident.

Because of this, it’s important that you start your claim as soon as you find out that the other driver doesn’t have any coverage or not enough coverage.

Collision Coverage

You can also add collision coverage to your insurance policy, at an added cost. When you have collision coverage, you’re going to get money to pay for the repairs to your vehicles. This is only for repairs to damages that were caused by the accident.

You can also only use this coverage if the other driver didn’t have insurance or if it was a hit-and-run driver.

Also, it’s important to understand that collision coverage is only allowed for repairing your car. You won’t get any money for your injuries. And you’ll only be given however much your coverage limit allows.

Filing a Lawsuit

If you get into an accident with someone who doesn’t have insurance, then you might be able to file a lawsuit against them. This depends on if you live in a traditional negligence state or a no-fault one.

If you live in a no-fault auto insurance state, then you might not be able to file a lawsuit. That’s because in a no-fault state, each driver is responsible for their own damages and injuries. This is regardless of who was at fault for the crash.

Your ability to file a lawsuit against someone in a no-fault state is very limited. You usually can’t sue the other driver unless you incurred medical costs over a certain amount of sustained severe injuries.

However, if you live in a state that applies traditional negligence standards, it’s going to be a lot easier to sue an uninsured driver.

If you do file a lawsuit, or end up getting sued, it’s important that you work with an experienced personal injury attorney. And if you were hit by an uninsured driver while riding a bike, it’s even more important that you hire a lawyer. You can learn more about this service here.

The Importance of Knowing What Happens If Someone Hits You and They Don’t Have Insurance

No matter how careful you are on the road, there’s always a chance you can get into an accident. And if an accident occurs, you need to be prepared. That’s why it’s so important to know what happens if someone hits you and they don’t have insurance.

Are you interested in reading other helpful legal articles? If so, check out the rest of our blog today!


How Bicycle Accident Attorneys Can Help Deal With Insurance Adjusters

When you are in a bicycle accident, you should make sure that you know how to deal with insurance adjusters. This is one of the biggest things that people need to deal with so that you will be sure that you can get the best results. You should remember that it is going to be much easier for you to get the results you want if you know how to deal with the adjuster.

Learn about the adjuster and what to do once you are done filing your claim

What Does The Adjuster Do?

The adjuster is there to make sure that they know how much the accident costs, ensure that your claim is paid correctly, and save the insurance company money. Because of this, you need to be sure that you do not volunteer a lot of information to the adjuster. The adjuster might not give you the best possible settlement, and that is why you should work with an attorney if you have not been compensated properly.

How Do You Find A Lawyer?

You should work with a lawyer like MG Law to make sure that they can help you understand how to get the compensation that you need. You should remember that you have a lawyer on your side because they know how to file these claims, how to make the insurance company give you what you want, and even ensure that your policy is written legally. Some people do not even have a legally accurate insurance policy, and that makes it a lot harder for you to be sure that you can get the results that you want. At the same time, you should allow your lawyer to speak on your behalf.

How Do You Settle?

You can settle with the insurance company to get the compensation that you need. If the insurance company has been delaying the claim, you will lose a lot of time, money, or even have problems with your recovery if you have been injured. You can sue the insurance company for more money because they need to pay for your recovery and pain and suffering. Ensure that you have taken a look at your options, asked your lawyer to fight for you, and not talked to the insurance company.

Why Do You Need A Lawyer After An Accident?

You need a lawyer to help you with your accident because that is the only way that you can be sure that you will receive the kind of representation that you need. The people that are involved in an accident likely have no way to know that they can get compensation, and they might think that it is just bad luck. You should look past the insurance company to make sure that you have a lawyer who can help you get the compensation you need, recover, and get back on your bike. If you try to do this by yourself, you will have major problems that you are not equipped to handle after the accident.


Legal Aspect of Car Insurance for High Risk Drivers

Driving is a dynamic activity and is seen differently by many motorists. Many drivers focus on playing it safe on the road and maintain a defensive approach. Some others don’t really care about getting into a crash/violation every now and then.

Insurance companies are aware of differences in driving patterns and how it could result to increased premium claims. Based on this, a lot of policy providers reserve the right to refuse covering a particular driver deemed “high-risk”.

For those who don’t know who a high-risk driver is, here’s a simple breakdown for you.

A high-risk driver is a motorist with a greater chance of getting involved in a car accident or violation of state regulations. Such drivers are also more likely to file a claim for auto insurance than a regular driver.

Based on the numerous red flags linked to high-risk insurance, many companies are reluctant to offer cover. But not all refuse such drivers insurance.

A lot of companies have a cover package generally referred to as high risk auto insurance. There’re several differences from this insurance policy to regular packages, so be ready for whatever comes with your high-risk status.

In many states, car insurance for military veterans waives credit history as a worthy criterion for providing cover to ex-servicemen. Military vets aren’t considered high risk in most states.

What is High Risk Auto Insurance?

High-risk auto insurance is a policy reserved for drivers with a greater chance of engaging in traffic violations or serious accidents.

Numerous policy providers will likely refuse to cover such drivers, but a handful of companies still offer this service.

How to Find Cheap High Risk Auto Insurance

Check Out Your Options

The best way to find budget rates for high-risk auto insurance is by searching through several options. A lot of companies offer differing rates based on the various premium calculation methods they employ.

Lower Your Risk Factors in Other Ways

Numerous sites offer quotes which help, but what you should focus on is lowering your high-risk status considerably. With the three factors checked out below, you can comfortably move to regular insurance packages in due course;

Credit Score

Although insurers are restricted from calculating drivers’ premiums with their credit history in some states, many more states approve.

Your credit history has to impressive if you stand any chance of getting a good deal for high-risk auto cover. Also, insurers will likely rely on this info to calculate future rates if your credit remains healthy.

So before heading out on a hunt for a cheap high-risk auto cover, make sure there’re no bad debts lingering around your purse.

Driving Classes (Post-Violation)

After a violation, it’s an excellent way to lower your rates through getting registered for a driving class.

When the class is over and you have proof of attendance, policy providers may not consider you a high-risk motorist.

Good grades

With good grades as a young driver, there’s a high chance you’ll get reductions in your premiums through discounts. Good grade discounts are popular in many US states. These discounts regularly offer up to 25% discounts on premiums with other benefits.

What Determines If You Are a High Risk Driver?

A Stained Driving Record

If your driving history has too many accidents/traffic issues in-between, many auto policy providers will rate you high-risk.

In many states, there’re regulations determining the number of years a driver’s history would count. A lot of insurers also put this benchmark around 3 – 5 years.

But just to be safe, it’s better to have a clean record. Some states allow insurers look up around a decade or more before providing insurance.

Young Drivers

Drivers within 16 – 25 are considered high-risk across many insurance companies. These providers believe younger drivers just don’t have what it takes to avoid involvement in an accident for long periods.

New Drivers

Drivers with less than 6 months driving experience are mostly considered high-risk by many auto policy providers.

Over 70yrs Motorists

Senior citizens are seen as high-risk based on their demographic association to lower motor functions, reduced eyesight, reflexes, etc.

Using a High-Risk Car

Sports cars, luxurious vehicles, and high-end automobiles, are all ranked high-risk by many auto providers.

In most cases, policy providers consider the cost of repairs in tagging such vehicles high-risk. Others tag higher performance over other cars as a higher chance of these vehicles getting damaged.

Traffic Violations

Violations come in varying forms and differ from state to state. But there’s a consensus among US states that the following are serious traffic violations;

  • Fatality-linked violation
  • Over-speeding
  • Driving with no license
  • Offensive driving

Also, many states across the US have a special designation for DUI drivers. In most states, a DUI which results in a fatality could rank a driver as high-risk for 75 years.

Final Word

It’s not so difficult to get auto cover as a driver many companies may not want to cover. All you have to do is get access to correct set of info. And most essentially, try to work your way into becoming a regular driver sooner rather than later.


When Should I Hire an Insurance Attorney?

If you have filed a claim with your insurance company due to a loss, an injury or property damage, you may be feeling confident that you will get paid the amount you need, you will fix your issue and that will be that. Unfortunately, that is not always the case. And trying to negotiate with an insurance company that considers they have given you as much as they are going to give, can be tricky. Insurance companies are big business and they are definitely stronger and savvier than you when it comes to the products they sell.

Familiarize Yourself with Your Insurance Policy

The first step in resolving an issue with your insurance should be for you to become familiar with what exactly you signed when you got the policy. Read the declaration page. This is, in most cases, the first or second page of the document. There, you will find out what dollar limits apply to each category of coverage. Endorsements, riders, and extras that were added to the policy can also be found there. Review and understand what is included and what is not.

How do you know if you need an insurance attorney?

You may be communicating with your insurance company in such a successful way that you feel confident you will get the amount you expect and your issue will be solved. And if that is the case, and your insurance company is responding, keep going on your own.

If you keep getting frustrated, if you feel like there’s no one listening to you, if time is going by and all you are getting is more worried and anxious, or if you do talk to someone but whatever you have been promised has not materialized, it may be time to consider getting an insurance attorney.

What does an insurance attorney do?

An insurance lawyer is precisely the help you need when you face an issue arising from the use, sale, or payment of your insurance policy. Your insurance attorney will focus on your insurance contract and evaluate what items are covered under your insurance policy and up to what amount. Your insurance attorney will defend you against your insurance company when there is an issue about how much they would pay you under a specific policy.

How will your insurance attorney help you?

Dealing with your insurance company after you have suffered an injury or a loss can be a very disheartening, difficult process. With an insurance attorney on your side, you will have the benefit of working with someone who will not only help simplify this process but also work aggressively to make sure you get the results you need and expect.

If your claim has been denied or delayed, you may be feeling, frustrated trying to understand what went wrong. If you have been unfairly compensated, you may feel desperate to find the funds you need, not knowing how to get the money or where to turn.

That’s why an insurance attorney can help. Because of their experience with insurance cases, an insurance attorney will have the expertise needed to understand how the system works and how to make it work for you. Working with Attorney Earl Higgs, you can feel confident that your case will be handled with the expertise and commitment it deserves.


Guide to Selecting a Fire Damage Public Adjuster in Boca Raton

You never know when fire damage might occur to your home in Boca Raton. All it takes is a power surge or worn out electrical wiring to cause a fire. If you’re not around to put out the fire or call for help, it could cause permanent damage to your entire home. Then you’ll have no choice but to rebuild it from scratch.

Even if smoke damaged occurred from the fire, it is still reason enough to file a fire damage claim with your insurance company. Fire and smoke damage are both covered by most homeowner’s insurance policies. Of course, the most challenging thing is to prove your claim to the insurance company. Due to the high value of such a claim, they will look for any excuse to pay you a minimal amount of compensation.

Hire a fire damage public adjuster to ensure that you get paid the value of the fire damage incurred. Below is a guide to help you select the best fire damage insurance public adjuster in Boca Raton.

1) Check Their State License and Memberships

Anyone can advertise themselves as a public adjuster. However, you should not hire any public adjuster until you’ve checked them out thoroughly. Since you have access to the internet, it is easy to verify the credentials of a public adjuster. Go to the Florida Attorney General website, and you can verify the license of any working professional in the state, including public adjusters.

In addition, high-quality public adjusters are usually associated with at least three reputable insurance organizations. The top three include the Windstorm Insurance Network, National Association of Public Insurance Adjusters, and the United Policyholders of America.

If you visit the websites of these organizations and verify that a particular public adjuster is a member of them, it means that public adjuster has proven themselves to provide excellent services to its clients.

2) Make Sure They Specialize in Fire Damage Claims

Public adjusters are not experts in all types of insurance claims. Stay away from any public adjuster who claims to be. When you have to file a fire damage claim, you should look for a public adjuster with a minimum of ten years of experience in handling fire damage claims. That can give you some peace of mind to know they will do a good job for you.

3) There Should Be No Hidden Fees

The average public adjuster in Boca Raton will charge between 10% and 25% in commission for their services. That fee normally gets paid after your claim settlement is approved and finalized by your insurance company. You should never have to pay any money before your insurance claim is approved. If a public adjuster asks you to pay a part of the commission up front, then walk away immediately. You have no obligation to pay a public adjuster anything until they negotiate a settlement that gets approved.

4) Do Not Trust Upfront Promises

No professional public adjuster should make any upfront promises to you during your first meeting with them. To understand the strength of your claim, any good public adjuster will conduct a thorough assessment of the fire damage, fire marshal’s report, police report, eyewitness reports, and any other related evidence. Based on all this information, they can determine how to proceed further and help you with providing a proof of loss and more.

There is never any guarantee on what the outcome will be. If a public adjuster tries to sell you a guaranteed outcome, then do not buy it. Look for a different public adjuster immediately.

5) Resist High-Pressure Tactics

Bad public adjusters tend to act as salespeople. They will try to push some high-pressure tactics onto you in order to get your business. For instance, they will pressure you to sign a contract to hire them before they give you any advice or consultation. A good public adjuster, on the other hand, will be more than willing to offer you a free consultation or advice.


Do All Lenders Require Flood Insurance?

Statistics report that American households and businesses suffered a combined total of $1.2 billion in property damages from flooding in 2018.

If you live in an area that poses a high flood risk, flood insurance is something you should consider getting. It might not even be up to you in some cases, as some mortgage providers will require that you can get it before lending you money.

Read on as we dig deeper into flood insurance requirements for lenders.

The Basics of Flood Insurance Requirements for Lenders

When a financial institution gives out a mortgage, they take every possible step to make sure they get their money back. If a property they mortgage suffers flood damage while uninsured, this makes timely repayment far less likely.

Therefore, they make flood insurance mandatory for many borrowers.

However, flood insurance requirements are often handed down to the lenders themselves by the federal government. Since the introduction of the National Flood Insurance Act of 1968, lenders are prohibited from providing a mortgage in respect of some properties in the absence of suitable flood insurance coverage.

When Is Flood Insurance Necessary?

The Act mentioned above applies to properties situated in designated Special Flood Hazard Areas. However, this rule only affects federally-backed mortgages.

Some lenders may impose flood insurance requirements regardless of federal intervention. This is more likely if your house is in a particularly high-risk area or is especially susceptible to damage.

Even if flood insurance isn’t required by your lender, it’s something you should consider getting. If a flood should damage your home while you’re uninsured, the financial repercussions could be devastating.

Factors Affecting Flood Insurance Premiums

Whether flood insurance is required by your lender or not, you’ll want to keep your premium as low as possible. The following are some of the most important factors in relation to the calculation of your premium in all cases.


Flood insurance covers the contents of your home as well as the building itself. The more valuable these contents are, the higher your premium will be.

Special attention will be paid to immovable items on your ground floor, such as televisions and white goods.

Method of Construction

Certain homes are less susceptible to flood damage than others due to the way they’re built. Concrete homes are more resistant to damage than wooden ones.

Also, the higher your house is above ground level, the safer it is from floods.

The Provider

No matter what kind of insurance you buy, you should always shop around. Premiums can vary significantly from one provider to the next. has a proven track record of providing affordable premiums for those most in need.

Keeping Your Home Protected

Flood insurance requirements for lenders can be inconvenient at times.

However, if you live in a high-risk area for flooding, you should get insurance regardless of these requirements. Such insurance is the only way to be certain that you will be able to recover financially in the event of a natural disaster.

Did you find this article useful? If so, have a look at some of our others. We post regular content on all matters related to the law.


What is SR22 Insurance and How to Get it Done

Anyone you stop in the street at any given time will tell you that something they own is insured. They have an insurance policy and belongings are protected. This has become the norm. And driver’s insurance is no different.

What is Insurance?

It is a way to protect ourselves from a loss financially, and a safety net as it were in the event something unpredictable happened.

This article will help clear up the information when it comes to understanding insurance and all its components. It can also help you check and see if your policy is up to scratch in the fine print.

Why do we need an Insurance Policy?

Having some form of insurance shows, you are in control and taking charge of managing potential risks in the future. You buy your safety in advance and ensure a roof over your family’s head. You are thinking smart.

Different sectors within insurance policies can be used for taking out a financial plan for your family should anything, touch wood, ever had to happen to you and they have to survive without you. A life policy essentially helps with monthly installments if it came to it.

Having a plan in place and for the future can give you stress-free nights. Knowing you are taking care of your family and you have things covered can bring much peace.

Types of Insurance Policies

  • Life Insurance. You will need this cover if you have people who are dependent on you financially.
  • Disability Insurance. For in case you were in an accident and became disabled in some way, you would be covered with help and medical aid.
  • Health Insurance. Help cover any medical bills, surgeries or appointments.
  • Auto Insurance. For unfortunate accidents no matter whose fault it is.

Regular Insurance vs SR22 Insurance

Well, your standard policy is the cover you have taken out for home vehicle or health management. The usual factors that you expect to be covered when taking out your policy, and then some added as you purchase items and the family grows.

The SR22 cover is essentially still the same insurance cover, but for vehicle offenders. This certificate is a way of monitoring your driving behaviors by the state. It is an add on to your existing insurance policy.

If you are looking to or needing an SR22 policy certificate, have a chat with these guys, SR22 Insurance California, they are professional, reliable and happy to help in all situations. Make sure you are aware that having an SR22 means you will pay more for your monthly car insurance than normal.

Cost of SR22

Depending on the state you’re in, they vary in cost ranging from $15 – $25 to file the form. 

You cannot get an SR22 without first having car insurance in place.

insuranceHow long do you Have the SR22?

There is a silver lining to having this certificate, you don’t need to have it forever. They are usually required for 1-5 years depending on the state and the offense. Make sure you know the expiry of the certificate because if you cancel or your car insurance runs out, the state will be notified and you will be liable for penalties. 

Once you have completed the period in needing to have an SR22, the offense is deleted from your records and you will be eligible to pay the standard insurance premiums rates again.

3 Reasons why you might need an SR22

  • DUI. Either driving under the influence or driving while intoxicated.
  • Collision. You were in an accident; it was your fault and you had no insurance.
  • Paperwork. Tickets have been handed to you like business cards in a short period.

It’s tough trying to figure out all the terminology and jargon when discussing insurance. If you watch this guide on simplified insurance courses and jot down some notes, you won’t be lost in space when it comes to understanding what’s going on.

I honestly don’t understand half the words on our policy, and I’m hoping my other half knows the rest, so together we can read the full document. But what I do know is that if something were to happen, we have it covered.


5 Signs That You Should Hire an Insurance Lawyer

Riddled with jargon, full of legalities and notoriously difficult to understand, the insurance industry is one steep hill to climb.

If you’re in the middle of a difficult claim that you just can’t seem to overcome or swing your way, it might be time to give up the reins and let a qualified and capable insurance lawyer take it from here.

When you partner with a legal expert skilled in this niche, you’re one step closer to mastering the process, understanding its technicalities and closing your case once and for all.

Today, we’re sharing five signs that it’s time to take this step today.

Ready to learn more? Let’s go.

1. The Insurance Company Isn’t Treating You Fairly

You have all of your required documentation in place. You made the right phone calls at all of the right times. You followed all of the required protocols when filing your claim and you answered every question clearly.

Yet, you’re still waiting. Or, you’re still hearing “no” even when you know your case is solid. Or, you’re being harassed, neglected or otherwise mistreated by the agents on the other end.

If you feel as though you’re being wronged, it’s tempting to take matters into your own hands. Yet, remember who you’re up against. Taking on a powerful agency can be a laborious, time-consuming and often fruitless job. In this case, it’s in your best interest to explain all of the details to an insurance lawyer and let him or her deal directly with the issue instead.

2. You Aren’t Getting Anywhere After an Accident

You were in an accident and it wasn’t your fault. Still, you sustained injuries to your body or damage to your personal property. However, all of your efforts to contact the at-fault party’s insurance company are falling on deaf ears.

Rather than pressing “redial” until your fingers go numb, it’s time to talk to an insurance lawyer, like the ones at Doug Terry Law Firm, and let them spur the insurance company into action. You deserve to be compensated for your suffering and loss, and you shouldn’t have to deal with it while you’re in the middle of trying to recover physically, emotionally or financially.

3. You’re Being Denied Disability Benefits

Is your employer denying you access to short-term or long-term disability benefits even though you’re eligible to receive them? If so, this setback can plunge you straight into a financial crisis at the absolute worst time.

You have two options here. You could appeal internally to the agency, but don’t be surprised if you jump through hoops to obtain the mountains of documents they request and still end up right back where you started.

Or, you could let an insurance lawyer lead you down the path to justice, helping you bypass the intentionally-placed hurdles along the way. Your lawyer will review all of the details surrounding your case and will help you begin your lawsuit as early as possible. This helps you reach a resolution more quickly, easing your financial burden.

4. You’re Feeling Short-Changed

You finally heard back from the insurance agency on your claim. They approved it, but for an amount that’s far lower than what you submitted. Are you supposed to accept it gratefully and walk away, thankful that you even heard back at all?

Absolutely not.

If you’ve taken the time to compile all the documentation for your case and you have a legitimate list of reasons and concrete data that backs up the amount that you feel you’re owed, an insurance lawyer can help you fight for it. You shouldn’t have to settle for less just because you’re up against a bigger entity.

The same applies if you feel that your losses have been undervalued or even over-depreciated. If the numbers don’t line up to you, they likely don’t line up at all.

Find a qualified partner who can review your case, make sure your numbers line up, and work to make sure you’re adequately compensated.

5. You’re Questioning the Adjuster’s Tactics

Did you recently suffer damage to your home due to a storm or another weather event?

If so, your insurance company should have sent an adjuster out to your property to survey the damages. During that time, did you feel as though the assessment was fair and accurate?

If your case comes back and you find details that don’t line up with the truth, let an insurance lawyer know right away. For instance, the adjuster might claim that all or a portion of the damage you incurred was due to a past storm, or another event that isn’t covered under your current policy.

Or, you might simply feel as though the adjuster wasn’t thorough enough during the inspection, missing key details that you thought were important. This isn’t the time to bite your tongue. Speak up and let an insurance lawyer help make sure your voice is heard.

Team Up With a Reliable Insurance Lawyer Today

When it’s you against the ever-powerful insurance company, it can be easy to feel like you’re on the wrong side of the wrong team.

Thankfully, fighting for your rights is as easy as finding a local insurance lawyer you can trust.

When you find the right legal team, you immediately take one major leap in the right direction. So, what are you waiting for? Your financial freedom, dignity, and sanity are all on the line, and it’s time to reclaim them. Do your research, find an expert you feel comfortable with, and resolve your case once and for all.

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Your Legal Guide to Starting an Insurance Company

If you’re interested in starting a business while helping others, look no further.

Starting an insurance company would allow you to provide others with assistance while earning money. Many people don’t consider insurance companies as businesses, but that’s because they’re supposed to be for the greater good.

When you start an insurance company, you’re giving people a way to pay for things they can’t afford. In return, you’ll earn passive income that will allow you to continue compensating others.

Read on to learn more about how to start your own insurance company.

What Is an Insurance Company?

Insurance companies are designed to provide individuals with a way to pay for hefty expenses. With insurance, one can get a certain amount of coverage depending on how much they’re paying.

For example, an insurance company can provide $15,000 in compensation for an accident if an individual is paying $1500 per year. There are several different types of insurance, and many insurance companies cover several areas.

While many insurance companies are private, a stock insurance company is owned by investors just like most businesses. Stock insurance companies try to earn a profit so that they can continue to grow.

Here are some of the most popular types of insurance:

Vehicle Insurance

Vehicle insurance allows individuals to receive compensation when their vehicle has been damaged in an accident. This type of insurance can also cover damages caused by natural disasters, such as a tree falling on a vehicle.

Home Insurance

Home insurance is designed to protect homeowners from natural disasters and damage caused by someone else. If one’s home has damage that will prevent them from living there, an insurance company will evaluate the damage and give them money to repair it.

Health Insurance

One of the most popular forms of insurance is health insurance. This allows individuals to pay for medications, surgeries, and doctor appointments. Health insurance usually comes in several plans that individuals can pay for depending on what they want to be covered.

Invest In an Office

If you’d like to know how to start an insurance agency, one of the essential things you’ll need is an office. With an office, you’ll have a place where you can communicate with customers and employees can work.

For startup insurance companies, you can get away with getting a smaller office because you won’t need many employees. Your office should be equipped with several computers and phones for employees to use. You’ll also need things like printers and scanners to make documents.

Develop a Business Model

As previously stated, there are several types of insurance in which you can provide. When you start your insurance company, you’ll need to decide what insurance you’ll offer and for how much.

Because your insurance company is new, you won’t be able to offer a plethora of options. As you start offering more policies, you’ll have to hire more employees and ensure you have enough money to compensate.

For a startup insurance agency, you can choose one area to specialize in. For example, you can visit this website to see an insurance company that specializes in business insurance.

Specializing in one area of insurance will allow you to grow your brand and establish yourself in the market. You’ll also need to ensure that you’re charging enough money to earn a profit while retaining customers.

Get Licensed

Depending on which state(s) you want to operate in, you’ll need to get licenses that meet their requirements. You can check the National Insurance Producer Registry (NIPR) to see what licenses you’ll need and the fees associated with them.

No matter where you live, you’ll need to invest in business insurance. This will give both your company and employees protection from things like property damage and injuries.

When you get licensed, your office will typically be inspected to ensure that it’s safe. Aside from having a safe work environment and insurance, you’ll be monitored to ensure that you’re paying employees fairly and not overworking them.

Advertise Wisely

When people are researching how to start an insurance company, many people forget to mention that advertising is necessary for success. Without advertising, no one will know who you are and will stick to their current insurance companies.

You can advertise in a variety of ways, but the most effective way is to advertise on social media. In the past, insurance companies would advertise on TV to attract local customers. Today, social media has more than 3.2 billion active users.

When you advertise on social media, you’ll be able to choose the age range that you’d like to attract and the region. Should you decide to expand nationally, you can target people from different regions.

Running ads on TV or in local areas won’t guarantee that people will see them. Advertising on social media will allow your ads to be seen by people as they’re scrolling through their feeds.

Starting an Insurance Company Doesn’t Have to Be Difficult

While many people think that starting an insurance company is a daunting task, it can be done by following the steps in this guide. Start looking into your local region’s license requirements. From there, you can start taking the necessary steps to start an insurance company.

Providing that you create a plan, invest in a workplace, and are smart about advertising, you’ll be able to start an insurance company without a hassle. You’ll also be able to get properly licensed, preventing you from running into legal trouble.

Browse our blog to learn more about insurance and the laws surrounding it.


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