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Commonly Used Terms in Auto Accident Cases- Part 5
Go to Commonly Used Terms in Auto Accident Cases- Part 5Maximum Medical Improvement Commonly known as “MMI”. Maximum medical improvement is a medical term that means that you have been helped as much as medicine can help you. Thus, while you may not get any better, it does not mean that you need to stop your treatment, nor does it mean that your pain will…
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Commonly Used Terms in Auto Accident Cases- Part 4
Go to Commonly Used Terms in Auto Accident Cases- Part 4Exhausted Benefits This is a term commonly used which signifies that a portion of your policies limit has been reached. For example: if your limits under the PIP portion of your policy is $10,000.00, once that amount is paid by your insurance carrier, then your PIP benefits are exhausted. Your insurance company is then no longer…
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Commonly Used Terms in Auto Accident Cases- Part 3
Go to Commonly Used Terms in Auto Accident Cases- Part 3Personal Injury Protection This is commonly referred to as “PIP”. This is a form of insurance which is mandatory in many states; however, not all states require this type of coverage. PIP guarantees that the person that purchases this type of coverage that a certain amount of their medical bills will be paid regardless of…
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Commonly Used Terms in Auto Accident Cases- Part 2
Go to Commonly Used Terms in Auto Accident Cases- Part 2Insured The person covered under an automobile insurance policy. In a different context, this more broadly applies to anyone covered under any type of insurance policy, but since this blog is dealing with auto accidents, I am using all terms in the context on automobile policy. Tortfeasor Tortfeasor is someone who, by their own negligence,…
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Commonly Used Terms in Auto Accident Cases- Part 1
Go to Commonly Used Terms in Auto Accident Cases- Part 1Bodily Injury Coverage Bodily Injury Coverage is part of your auto insurance policy that you purchase that protects you in case you accidentally injured someone while driving an automobile. This is commonly referred to as “BI” coverage. Property Damage Coverage Property Damage Coverage is part of your auto insurance policy that you purchase that covers…
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Property Damage and Plastic Bumper Covers – Part 2
Go to Property Damage and Plastic Bumper Covers – Part 2Many times, clients have wondered whether it was worthwhile to get their car repaired because it didn’t look like there was much damage to the plastic bumper cover. However, many times when the bumper cover is removed it is very obvious that there are thousands of dollars of property damage, including bent steel, metal and sometimes…
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Property Damage and Plastic Bumper Covers – Part 1
Go to Property Damage and Plastic Bumper Covers – Part 1Getting your car repaired is generally one of the first things most people will do in a car crash. It’s essential that everyone get back on the road as soon as possible because they need the car for a number of reasons; getting back and forth to work, going to the store, picking up children…
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Why It Is Necessary to Have an Investigator Working on Your Case Immediately After the Crash
Go to Why It Is Necessary to Have an Investigator Working on Your Case Immediately After the CrashTimely employing the services of a private investigator is important because that way the investigator is obtaining information from the injured persons very close to the actual time of the crash. Many times the investigators get “clues” on what needs to be done on the case to prevail, and what defenses may be brought out by…
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Other Ways Investigators Can Help Your Case
Go to Other Ways Investigators Can Help Your CaseOne of the methods insurance companies use to defeat your claim is to argue that there is not enough property damage to the vehicles to have caused permanent injury to the injured party. The medical science involved frequently will not back up such a statement. Everyone has a different injury “threshold”. Some people can sustain…
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More Information About EUOs
Go to More Information About EUOsThe obligation to submit to an Examinations Under Oath is not restricted just to insurance policies with uninsured motorist coverage. It also can apply to policies where an injured person is seeking PIP benefits, under a policy other than his own. For example, is if a passenger in a vehicle does not have PIP coverage…
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Why do most people choose not to use their health insurance to pay medical bills after PIP and MedPay has been exhausted?
Go to Why do most people choose not to use their health insurance to pay medical bills after PIP and MedPay has been exhausted?If you choose to pay your medical bills from your health insurance benefits, after PIP and Med Pay have been exhausted, any applicable deductible must be satisfied first. Depending on the deductible on your health insurance policy, you could be responsible normally for $2,000- $5,000 up front, in addition to any copays every time you…
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What is the medical payment (Med Pay) coverage part of your auto insurance policy?
Go to What is the medical payment (Med Pay) coverage part of your auto insurance policy?Medical payments coverage (MedPay) is a portion of your automobile insurance policy, which if you opt to purchase it, pays 100% of your medical bills up to the limit you selected. For example, if you select $2,000 in medical payments coverage, it would pay $2,000 of your medical bills. This is important because Personal Injury…
