RI Department of Labor and Training Unemployment Insurance #credit #card #claims

unemployment claim number

INTERNET EXPLORER v10 USERS – You must chose compatibility view before advancing through the claims-filing screens. To choose compatibility view, click on the broken-paper image next to the URL address at the top of the page.

The Department has developed fact finding questionnaires for claimants and employers to expedite the telephone interview with the Central Adjudication Unit. Click here to access them.

If you do not wish to provide a statement, please complete the Decline to Provide a Statement form located here. Please note if you decline to provide a statement, the Department will render a decision based only upon the facts present at the time the determination is made and the department will not contact you for a statement

The Call Center hours are as follows:
Mondays: 8:00 a.m. to 3:00 p.m.
Tuesday: 8:00 a.m. to 3:00 p.m.
Wednesdays: CLOSED
Thursdays: 8:00 a.m. to 3:00 p.m.
Fridays: 9:00 a.m. to 3:00 p.m.

To reduce wait times, customers are encouraged to file a new claim or refile a claim online and only contact the Call Center if there is an issue with an existing claim. This allows call center representatives more time to be available for general inquiries and claims issues. If you have a question concerning an existing claim, please call (401) 243-9100.

If you are having difficulty reaching the Call Center, please note the following:

  • Mondays and Tuesdays typically experience the highest volume of calls during the week; callers experiencing difficulty earlier in the day may wish to try later in the day.
  • You may send any questions including questions about your Central Adjudication decision to UIhelp . Your email will be processed in the order in which it is received.
  • Hearing impaired customers may use TTY via RI Relay: 711

    Claimants Beware! DLT has been made aware of a third party organization that offers to assist individuals with filing a claim for Unemployment Insurance benefits. These organizations are often engaged unknowingly by individuals who use basic keyword searches in Google or other search engines. These web sites, not affiliated with the DLT or the United States Department of Labor. often feature write-ups on unemployment insurance programs and law and interactive maps of the states. Click to read more .

    You must use Teleserve online or by phone to complete the following:

    • Create a confidential Personal Identification Number (PIN) .
    • Listen to or read the Unemployment Insurance Benefit Rights .
    • Establish a Waiting Period Credit.
    • Certify for payments EACH WEEK you are requesting benefits.

    You must contact Teleserve each week even if your claim is in pending status or if you are denied benefits and are appealing your decision. Your weekly certifications will be held in pending status until a determination on your claim has been made.

    If you have returned to work since you last collected unemployment insurance, you cannot use TeleServe until you file a new claim or refile/reopen an existing claim through our internet filing system.

    TeleServe Hours of Operation:

    • Online: https://teleserve.dlt.ri.gov
      • Anytime Sunday through Friday
    • Phone: (401) 243-9600
      • Monday through Friday from 3:00p.m. to 5:00p.m. and 7:00 p.m. to 5:30 a.m. and
      • Anytime Sunday

    Please note that at times you may receive an automated message stating that we are unable to access our records due to system processing; if this is the case, please try again later.

    Frequently Asked Questions about Teleserve or Certifying Online

    Customers may file a new claim or refile/reopen an existing claim anytime online at:

    To check the status of your claim, click Access Account Information . You will need your BYE (Benefit Year Ending), Social Security number and PIN number to check your status. Your claim will be processed in the order in which it is received.

    Refiling/Reopening an Existing Claim:

    If you have returned to work any time since you last collected unemployment insurance, you cannot use TeleServe until you either refile your claim or file a new claim. Both filing and refilling can be accomplished online through our internet filing system .

    Unemployment Insurance (UI) provides temporary and partial wage replacement to workers who have become unemployed through no fault of their own. The program, funded by employer paid taxes, aids in maintaining the economic stability within a community by safeguarding the income and purchasing power of the unemployed worker.

    Please be aware that you must file a claim for RI Unemployment Insurance benefits yourself. No other organization can file for benefits on your behalf. You may file a new claim or refile/reopen an existing online at www.dlt.ri.gov/ui/fileclaim2.htm or by phone at (401)243-9100. Web sites and other organizations that offer to file benefits for you are not authorized in the State of Rhode Island.

    We have a guide available for customers to help them prepare the questions they may be asked when filing a new claim. You can also watch brief presentations on understanding unemployment insurance.

    Contacting UI. Call backs are made weekdays between 8 AM and 4 PM. If you are not available when the Call Center calls, a representative will attempt to reach you a second time. Please note that if you have received two answering machine or voice mail messages from the UI Call Center stating that a representative has been unable to reach you, your original request will be retired and you will have to make a new request for a call back. Requests are honored in the order they are received.


    Finance Reclaim Service #unemployment #claim #status

    ppi claims

    Here at the Finance Reclaim Service we are committed to helping people like you claim back money for mis-sold PPI, mortgages and packaged bank accounts.

    We believe it’s time the banks were held to task and that they should pay back every penny, plus interest, when they have mis-sold products to the public.

    You can count on:

    • a full refund plus interest
    • a friendly professional service
    • no hidden or upfront fees
    • a simple process
    • safety of your data
    • fully regulated by the Solicitors Regulation Authority

    For a no obligation chat about your claim for a full refund, give us a call on , we’re here to help.

    When I mentioned to friends that I was thinking about asking you to do my PPI claim for me, they told me not to do it because I would have to pay you far too much money. But my husband had a successful claim with you and I adopted the attitude “Well look, so what if I pay somebody to do it for me, I wouldn’t have any money anyway if I don’t claim.

    And I’m glad that I did ask you to claim for me because all I had to do was return some forms that were basically already completed and you had marked where I had to sign. It didn’t cost anything to send them back either and it was just so easy.

    For me, you made the whole process so easy and stress free they’re the two words that come to mind about your service: stress free .

    I don’t mind paying you because I feel that I paid for an excellent service.

    You kept me updated and informed about what was happening so I was never left wondering, and I ended up getting back money that I never knew I was entitled to in the first place.

    I’ve already recommend you to my son and I might have a go at my sister too. She’s been talking about claiming but somebody has convinced her that she should go straight to the bank to miss out the fees, but I’m going to tell her not to be so daft.

    With you, there’s just a form to post back, which is free, and you did all the work for me, so I didn’t have to go backwards and forwards with the bank.


    Gladstone Brookes #third #party #accident #claims

    ppi claims

    PPI Claims Information

    £24.8bn is the amount of money reclaimed across the entire PPI industry in mis-sold PPI claims. In 2015, the FCA reports average payouts per month at just over £370 million, with highs of £424.5 million in January and £410.3 million in April.

    What is PPI, and why do I keep hearing about it?

    Payment Protection Insurance is a type of cover intended to protect loaners’ repayments should their income be affected by accident, sickness or unemployment. What should have been a precautionary option however, was grossly mis-sold on an industrial scale to people who didn’t ask for, want or need it. Many who bought PPI would not have even been eligible to claim against it. The PPI scandal is the biggest in UK financial history. with millions reclaiming on what they were mis-sold.

    Industrial scale mis-selling

    Exactly how was PPI mis-sold? Here are some examples:

    • Added to finance agreements without consumer knowledge or consent
    • Sellers disguised the PPI extra as a part of the packages they sold – buyers thought it was actually mandatory, rather than an option
    • Sold to customers already covered by another policy, like full sick pay from an employer, making it an unnecessary cost
    • Overall repayment information didn’t stipulate the addition of PPI as an extra premium, hiding the cost as part of the main body of debt
    • Students, unemployed or retired people were all mis-sold to, as PPI doesn’t pay out for these groups
    • Exclusion clauses weren’t disclosed, meaning pre-existing medical conditions present upon buying PPI that would void any payout were disregarded

    Exposing the banks

    In 2005 a ‘super complaint’ by Citizens Advice to the Office of Fair Trading (OFT) followed a report they published which condemned PPI as a ‘protection racket’. The Financial Services Authority (FSA) took action. In a mystery shopping exercise, they uncovered layers of poor selling practices and lack of compliance which led to the mis-selling. As the FSA dug deeper into the exploitative actions, they began fining companies increasingly large amounts, with Santander fined £7 million for mis-selling. The number of complaints continued to rise and, in 2010, the FSA issued a consultation paper outlining how complaint handling could improve. The banks fought the recommendations in the High Court, however after their objections were overturned the resulting publicity only opened the floodgates for a deluge of new claims. In May 2011, PPI claimants received £39.8 million. By May 2012, that figure had rocketed up to £735.3 million for a single month.

    Positive track record

    Since its inception, Gladstone Brookes has reclaimed more than £700m for our clients who were mis-sold PPI. All without cold calling. Our knowledgeable, experienced team have helped us reach a 93% success rate for claims where PPI is attached to an agreement. As a result of helping our clients reclaim money which is rightfully theirs, 95%* rated our service as good or excellent.

    Making a claim

    Think you could be one of millions mis-sold PPI and yet to claim? Read what our clients are saying about us and, once you’re ready, you can start the process by calling our PPI claims team on 01925 558 850 08000 149 014 or by filling in the PPI form on our website.

    Follow Us

    Gladstone Brookes Ltd is regulated by the Claims Management Regulator in respect of regulated claims management activities; its registration is recorded on the website www.claimsregulation.gov.uk. (CRM7004). Registered with the Information Commissioners Office; registration number: Z9988740. Registration Address: Railex Business Centre, Crossens Way, Marine Drive, Southport, Merseyside, PR9 9LY. Company Number: 06278129. Registered as a company in England Wales. Vat Number: 909 1828 09. † No Win, No Fee – Charges may be raised if you cancel your claim after the 14 day cool off period. *1955 / 4927 Reviews submitted Jan-June 2016. ‡ Success rate applies only on cases with PPI. ± Refunds obtained through our claims service, amount is prior to fees of 25%, VAT and any income tax. Gladstone Brookes Ltd – © 2016 – All Rights Reserved. Tel: 08000 461 825

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    How Much Car Insurance Do You Need? Personal Finance #accident #claims #calculator

    bodily injury liability

    How Much Car Insurance Do You Need?


    • Check out your state’s minimum insurance requirements. It’s possible that the minimum coverage required might not be that different than what you really need.
    • When deciding how much coverage you need, make sure you’re covered for an amount equal to the total value of your assets.
    • To keep premiums low, choose collision coverage with a high deductible, and plan to pay routine repair costs with your own money.
    • Related How-Tos


      Your auto insurance is a collection of different policies that cover you in different ways. Here’s how they break down:

      Liability coverage – These policies help cover liability and expenses when you’re at fault in and accident. The money will go to the people you hit, but it won’t cover the people in your car.

      Bodily Injury Liability (BIL) – This policy pays for the medical expenses of people injured in a crash in which you re at fault. You’ll often see BIL policies described as a “20/50” policy or a “100/300” policy. These numbers describe the maximum dollar amount the policy will pay for a single person’s injuries and the maximum for all the injuries sustained by all the occupants of the other car. For example, a 20/50 policy will pay a maximum of $20,000 for a single person’s injuries, and up to $50,000 total for the injuries of everyone in the car you hit.

      Property Damage Liability – This policy pays for damage done to the other car if you re at fault in an accident. Property liability is sometimes referred to alongside BIL as a third number, so a 20/50/10 liability package will cover up to $10,000 for damages to the other car.

      The following policies cover you and your card in an accident:
      Personal Injury Protection (PIP) – This covers your and your passengers’ medical expenses after an accident. If you lose time at work because of your injuries, this policy may also cover lost wages.

      Uninsured/Underinsured Motorist Coverage – This helps cover costs if you are hit by someone without insurance, or minimal coverage.

      Collision – This policy covers repairs to your car after an accident.

      Comprehensive – This policy covers costs if your car is stolen or damaged outside of an accident.

      Nearly every state requires car owners to carry auto insurance, and most states have required minimum values for different policies. If you don t carry insurance, the state can impound your vehicle. To find out what your state’s minimums are, check out this Web site .

      Minimum coverage isn’t necessarily all you should have. New Jersey, for example, requires car owners to carry a 15/30/5 liability package. If you re involved in a serious accident, it’s possible that an individual’s medical expenses could exceed $15,000, or a group s expenses could total more than $30,000. In addition, $5,000 for car repairs isn’t a lot, considering that the average car now costs a little more than $20,000.

      You re on the hook when costs exceed your coverage limits. That’s why many people opt for policies that cover more than required minimums, particularly if they have assets that can be seized to pay for repairs and medical care.

      A good rule of thumb: Make sure you re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings and investments).

      How much insurance do you need for yourself?

      You probably don’t need to spend a lot of money on a Personal Injury Protection policy. You should be covered if you have health insurance and disability insurance through your employer. Just buy the required minimum.

      You do need to make sure you have adequate coverage against uninsured and under-insured drivers. It’s relatively inexpensive in most states (something like $40 a year for $100,000 worth of coverage) and if you are in a collision with an uninsured driver, will help cover costs your health insurance won’t. If you ve decided to carry BIL for $100,000/$300,000, do the same for yourself.

      Collision and comprehensive coverage is worth having if you would want to repair or replace your car after an accident. These policies have a deductible (the amount you have to pay out-of-pocket before coverage kicks in), and they pay out based on the current value of your car, not what you paid for it.

      Choose the highest deductible you can afford, because a higher deductible will significantly lower your premium. You re seeking coverage for major damages to your car, not for every little thing that can go wrong. It’s better to spend $500 of your own money on minor repairs every so often than pay an extra $50 a month whether you need repairs or not. Save collision insurance for when you have car repairs that cost thousands, not hundreds. Remember, if you submit a claim for every little thing, your premium will increase.

      A handful of states require car owners to carry no-fault insurance, policies that pay out no matter which driver is at fault in an accident and limit your ability to sue other drivers.

      Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Puerto Rico requires car owners to carry this protection, though the rules around how these policies work vary by state. These policies tend to be expensive, so be sure to shop around for the best deal if you live in a no-fault state.

      How to Shop for Car Insurance

      Once you ve decided how much car insurance you need, it s time to begin shopping. Auto insurance policies vary widely depending on your car, your driving record and your credit, so it s wise to do some research.

      Go to insweb.com and Insurance.com and fill out the application form. After a short time, you’ll receive comparable quotes from several insurers. There are three kinds of insurers:

      Direct sellers – You re likely familiar with these brand names, such as GEICOs and Progressive. These companies sell coverage directly to you, bypassing traditional insurance agents. Since there’s no agent, there’s no commission; theoretically the savings are passed on to you. But these insurers accept only the best drivers, so you may have trouble qualifying for coverage if you have a history of accidents or moving violations.

      Large national brands – Allstate and State Farm are better equipped for drivers with a bit of a blotchy past, and their rates are usually pretty good (they may even be able to match some of the offers from the direct sellers). These companies sell through local agents, but their agents are exclusive—a State Farm agent sells State Farm coverage and nothing else, so you ll have to do your own comparison shopping.

      Independent insurance agents
      – These sellers offer all kinds of insurance from many different companies. If you have any issues affecting your ability to get coverage (such as a patchy driving record or a teenage driver in your house) independent agents can usually find you better coverage at better prices than what you’d find on your own. Ask friends and family whether they have an insurance agent they would recommend.

      A few tips for negotiating with an insurer:

      Ask about all available discounts – There is almost always a way to save money. You may get a discount if your car has anti-lock brakes, if you don’t drive your car that often or that far, and so on. Request a list of all possible discounts to see if you qualify.

      Skip towing insurance – It’s better to take that extra money and join an auto club (such as AAA ) instead. In addition to towing, you ll have roadside assistance when you need it.

      Consider glass insurance – You can chip a windshield at any time, and auto glass is expensive to replace. Just make sure that glass is part of your comprehensive coverage, and not as a separate policy, which can be costly.

      Related WSJ Articles and Blog Posts:

      Online Tools:

      • Insure.com — A place to get car insurance quotes in your area.
      • Bankrate.com — Another hub for auto insurance quote comparison and information.
      • CarInsurance.com — Calculate how much coverage you need and how much it will cost.

    Additional Resources:

    • American Insurance Association — The leading property-casualty insurance trade organization.
    • American Auto Association — Giant group for various car-related issues, from flat tires to finance.
    • WSJ Autos — The Journal’s coverage of all things auto.


    How to Take Someone to the Small Claims Court in the UK #claims #for #whiplash

    how to take someone to small claims court

    How to Take Someone to the Small Claims Court in the UK – 2015

    Hi, my name is Paul Fletcher from Lancaster in the UK. In 2015, I successfully used the Small Claims Court to settle a rental dispute with my Landlord. I was a complete novice when I started this process having never had any involvement with the Law or the UK Court system. When researching my case I could not find a simple, concise, ‘How-To’ guide to the Small Claims procedure so I decided to write one.

    When you take somebody to Court there are many possible scenarios and outcomes that can occur. Most websites that cover this subject are overly complex and also unsympathetic to the Lay person or anyone coming in ‘cold’. This site covers the main topics that most Claimants will require, with I hope sufficient detail to provide you with the knowledge and confidence to bring your Claim to a successful conclusion.

    I used the excellent Money Claim Online website also known as MCOLwww.moneyclaim.gov.uk, to start my Small Claims action – the alternative method is to get an N1 Form from your local County Court – I’d recommend using MCOL, and this website deals with Cases started via the MCOL route .

    Here are 4 things that I wish I had known when I first considered legal action:

    • Taking somebody to court is actually quite easy. you go to the MCOL site www.moneyclaim.gov.uk . register as a user and away you go (but please take advice from this website before doing that! ). I had a consult with a solicitor before launching my case, but that wasn’t strictly necessary.
    • Taking someone to court will cost you money. you pay Fees as the Case progresses through the Court system, I paid £375 in Court fees, the fees vary depending on how much you claim (see MY CASE below).
    • Taking someone to court will take time. the wheels of due process move slowly, you need to accept this and play the long game. My case took over 6 months from start to finish.
    • The Small Claims process actually works. if you have been ripped-off and are considering legal action, I say go for it, I’m certainly glad I did.

    I have divided the Small Claims process into a number of Logical Steps (see above left) on the Main Menu. I would advise you to read through the entire process before starting your Claim, as I stated above, taking someone to court is easy, but you need to know what you are letting yourself in for before going ahead.

    MY CASE: I claimed £1650 from my Landlord who evicted me at short notice and then refused to return my deposit and 6 weeks advanced rent. The fees were £105 to start my Claim on MCOL, then a Hearing fee of £170. And finally, £100 to Enforce the judgment. Total £375. I won the case and the fees were added to my Claim, i.e. the final cost to my Landlord was over £2000. For an explanation of costs, see Small Claims Court Fees or see My Court Case for details of what happened to me.

    Terminology: Why the Small Claims ‘Court’ doesn’t exist
    The term ‘Small Claims Court’ has slipped into common parlance, it is however something of a misnomer; the term ‘Small Claims Court’ is unofficial shorthand for the Small Claims Track of the County Court. There are 3 County Court Tracks that deal with Cases according to their complexity and the amount/value of the Claim. Your Claim will be dealt with by the County Court. but using the rules, processes and procedures of the Small Claims Track .

    When does your Claim become a Case?
    When you take a person or company to Court, what you are in fact doing is Making a Claim against them, your Claim becomes a Case when it is allocated to a Court Track. This terminology is important to understand when dealing with the Court Office and following Court procedures. Both Online and hardcopy Court documentation use the term Claim in the early stages and Case in the later stages.

    England and Wales, Scotland, NI
    This website, and my experience, is with the Courts system in England and Wales. In Scotland and Northern Ireland there are equivalent Small Claims tracks, but the rules/procedures are different (e.g. the limit for a Small Claim in Scotland is £3000 whereas in England and Wales it is £10,000). See the Useful Sites page for the respective Scottish and NI Court websites.

    Going to Court – What’s the first Step?
    The first step is trying to stay out of Court. You may have been ripped-off and want to see justice done, but you need to at least try to settle the matter before going to Court. If your Case progresses to a Hearing, the Judge will want to see that you took reasonable steps to avoid Court action, so the first step is Resolving the dispute without going to Court.


    Bodily Injury Liability #check #your #claim #status

    bodily injury liability

    Bodily Injury Liability

    What does bodily injury liability coverage cover?

    Bodily injury liability (BI) pays, up to your policy limits, for injuries or death that you (the policyholder), or other drivers covered by your car insurance policy, are found responsible for after a motor vehicle accident. Policy terms vary but typically bodily injury liability car insurance will pay, up to your policy limits, for:

    • Medical expenses
    • Funeral expenses
    • Loss of income
    • Pain and suffering
    • Legal defense if a lawsuit results from the auto accident

    Policy limits for bodily injury liability are per person and per accident and coverage is written as such. For example, $25,000/$50,000 means that the maximum payout per person is $25,000, and the maximum payout for all people injured in one accident is $50,000. This coverage may also be simply written as 25/50.

    Bodily injury liability does NOT cover your injuries, only the injuries of others that you are liable for. For your personal injuries to be covered, you would need coverages such as personal injury protection (PIP) or medical payments (MedPay).

    Is bodily injury liability coverage mandatory?

    Yes, in most all states bodily injury liability is required as part of the minimum auto insurance coverages you must carry as a car owner.

    Car insurance companies normally require that you carry the same level of liability coverage on each vehicle listed on your policy. In some states, you must carry the same liability limits on all cars that you own.

    Recommended limits for bodily injury liability coverage

    The Insurance Information Institute (III) and other insurance industry experts recommend bodily injury liability coverage of $100,000 per person and $300,000 per accident (referred to as 100/300 coverage). If you can afford higher limits, that is even better for the protection of your assets.

    What happens if I don t have bodily injury liability coverage?

    If you don t carry bodily injury liability and the state requires it, then penalties can be handed out, such as fines and suspension of your license, and/or vehicle registration.

    Also, without bodily injury liability coverage on your car insurance policy, you will be held personally responsible for any injuries you cause to others in an auto accident. This could mean you are forced to liquidate property, savings and other assets in order to pay for a judgment against you.

    A few states don t require bodily injury liability coverage; however, it is still recommended that you carry this coverage to better protect you and your assets.

    If you do carry bodily injury liability coverage, but with low limits, you still could be putting yourself at risk financially, since if you cause a serious accident where injury expenses exceed your limits you can be held responsible for the amount above your limits.

    Is medical expense car insurance coverage necessary if I have bodily injury liability coverage?

    Bodily injury liability and medical payment are not the same type of coverage, each is in place to cover different things. BI is to cover those that you may cause injury to when at fault in an accident while Medical Payments coverage is there to cover you and your passengers when you are injured, no matter who was at fault in the accident. There may also be coverage if as a pedestrian a vehicle injures you.

    Medical payments may also cover policyholders and their family members when they are injured while riding in someone else’s car or when they are hit by a car while on foot or bicycling. Coverage of course is limited to the terms and conditions contained in your specific car insurance policy.

    Bodily injury on the other hand does not cover you if you are injured in an accident. Bodily injury liability (BI or BIL) is for those that you cause injuries to when you are at fault in an accident. BI is mandatory in most states.

    Bodily injury covers other people’s bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets.

    If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details since some exclude coverage for injuries received in a car accident.

    Compare Quotes Now


    Making an Injury Claim for Whiplash After an Accident #personal #injury #accident #claim

    whiplash claims

    Making an Injury Claim for Whiplash After an Accident

    “Whiplash” is the common term for the injury and subsequent medical fallout resulting from an abrupt back-and-forth flexion of the neck, which is common in car accidents. Chances are you’ve seen whiplash portrayed on television, usually involving a less-than-reputable plaintiff’s attorney fitting a client with a neck brace for a fake injury. The reality is that whiplash can be very painful and disruptive, and filing a lawsuit for a whiplash injury could be your best option in some situations.

    Immediate Medical Treatment is Essential to Proving Whiplash

    If you have been in an automobile accident, seek medical treatment immediately if you feel even the slightest amount of pain or discomfort. Many conditions such as whiplash, back strain, and other soft tissue injuries do not become immediately symptomatic after an accident.

    Treating physicians, when presented with the facts surrounding a particular accident, will know to look for signs of whiplash that may otherwise go unnoticed by a layperson. It is essential to your injury case that the first disclosure of medical information come from a physician. Insurance adjusters look at whiplash cases with suspicion in the best of circumstances. Do not make any statements about how you feel at the scene of the accident — seek medical attention, and let your records tell the story.

    File a Claim as Soon as Possible

    If you have a medically-documented case of whiplash, do not delay in starting the claim process. If you live in a no-fault state. notify your insurance carrier. If you live in a state that allows suits for personal injuries after an auto accident. notify the offending driver’s insurance company — in writing — of your injuries and your intent to file a claim. There is no sense in “sandbagging.” Your injuries may get worse; they may get better. The sooner you notify a potential payee of your claim, the sooner you may be reimbursed for your medical bills.

    Document Your Medical Expenses

    If you are making a claim with an insurance carrier, be sure to document all of the expenses you incur relating to your treatment and rehabilitation. These include economic damages such as mileage, lost wages, medical bills, prescription costs and insurance co-pays. Any out-of-pocket expenditure could potentially be a reimbursable cost. Insurance adjusters need proof of loss for every dollar they pay out, and they appreciate documentation for any and all expenses. If you make their lives easier by keeping complete records, you may find that money starts coming your way sooner rather than later.

    You May Need to File a Lawsuit

    There is no guarantee that an insurance adjuster will pay out on your claim. There is no guarantee that the person who caused the accident will even have insurance. You may have to file a personal injury lawsuit to facilitate collection of your damages.

    In no-fault states, pursuing a lawsuit for a whiplash injury can be difficult due to threshold injury and damage requirements. In states not governed by no-fault law, you may be able to file a lawsuit as a matter of right. Should your case go to suit, you may be able to recover non-economic damages such as pain and suffering in addition to your economic damages. A local attorney is best positioned to advise you on the laws of your jurisdiction and the potential outcome of your case.

    Whiplash injuries sustained in automobile accidents are often derided as “fake claims,” but they are legitimate soft tissue injuries. A sudden, violent extension and retraction of your neck can cause serious physical problems, and can impair your ability to function on a day-to-day basis. Following a few simple steps could greatly increase your ability to get fair compensation for your injuries.


    Whiplash Claims #the #claim

    whiplash claims

    Whiplash Claims

    Every year, thousands of people in the United Kingdom suffer from some form of whiplash injury, but what many people don t realise is that they may be able to claim compensation to help to make up for their suffering, and to help them to recover any financial losses.

    If you have had an accident which was not your fault, and that accident resulted in a whiplash injury, then read on because it s probable that you may be able to make a claim.

    What Is Whiplash?

    First things first, whiplash is a popular term most commonly commonly used for a neck related injury which has been sustained due to a sudden movement of the head or neck. If the head is thrown suddenly forwards, sideways or backwards by any kind of accident, the ligaments and tendons in the neck may become stretched or damaged.

    Whilst claiming compensation for whiplash injuries is most commonly associated with car accident claims. there are actually many other things which can cause this type of injury. For example, any slip, trip or fall which causes the head to be jerked suddenly in one direction can cause a whiplash injury.

    What Are The Main Symptoms Of Whiplash?

    Whiplash can affect different people in different ways, and you may not necessarily be suffering from all of the symptoms mentioned below. You may not notice the symptoms of whiplash immediately, because they normally take 6 – 12 hours to develop. In some cases, it takes much longer than that for people to notice any symptoms of a whiplash injury.

    These symptoms may also gradually worsen for several days after the accident and may continue to affect the victim for several months after the accident which caused the initial injury. In very rare cases, the symptoms may become chronic and the condition can persist for much longer than six months.

    There are many different symptoms associated with whiplash, including:

    • Neck pain and stiffness
    • Reduced movement of the neck
    • Swelling or tenderness of the neck muscles
    • Headaches
    • Pins and Needles
    • Numbness or shooting pains in the arms or hands
    • Muscle Spasms
    • Dizziness
    • Blurred Vision
    • Tiredness

    Chronic whiplash can also leave sufferers with psychological and emotional symptoms, such as anxiety or depression.
    If you begin to experience any of these symptoms after a neck injury, you should contact your doctor for professional medical advice.

    Are All Whiplash Claims The Same?

    Every whiplash claim is different, due to the fact that whiplash affects people in many different ways. The extent of a whiplash victim s injuries can affect how much the injury impacts on their quality of life, and therefore it affects how much your claim may be worth.

    When you are making a claim, you will have to discuss your symptoms with a legal professional, describing any losses which you have incurred as a result of your accident and mentioning any additional problems which you might have encountered as a result of your whiplash injury. The amount of compensation which you receive may also depend on the circumstances which surround your accident.

    Making The Claim

    If you decide that you are interested in making a claim for compensation which is related to a whiplash injury, you should get in touch with a qualified legal professional to discuss your claim. Within the space of a short consultation session, they will be able to decide whether you have a valid and viable claim and whether it is worth it for you to go ahead with the claim or not.

    Many claims companies are able to offer this initial consultation session for free, so that accident victims are able to find out whether they are able to make a claim without having to spend any money.

    Some people are also able to pursue claims on a no win, no fee premise, meaning that they do not have to pay any professional fees unless they win the case. If you are offered this type of payment arrangement, always check that you fully understand the terms before signing up.

    Your solicitor will be able to talk you through how your claim will work. Their knowledge and expertise should help you to be able to maximise your claim, whilst minimising the inconvenience that the claim causes for you. If you need any further evidence to support your claim, including an independent medical examination, your solicitor will be able to help you to arrange it, whilst offering any further support or advice which you may need.

    Read our Whiplash Claim Calculator guide to find out what you claim could be worth.


    A quick refresher on liability coverage #car #accident #claims

    bodily injury liability

    A quick refresher on liability coverage

    Bodily Injury and Property Damage Liability coverage make up the core of your car insurance policy; here’s what they do and what to think about when choosing coverage levels

    There are two types of liability coverage on your car insurance—Bodily Injury (BI) and Property Damage (PD).

    They cover your legal liability if you re at fault in an accident that involves injury to others (people in the other car, pedestrians, etc.) or damage to owned property (fences, garage doors, light poles, etc.)

    Understanding coverage limits

    It gets a little more involved when it comes to the limits of your liability coverages.

    A limit is the maximum amount your insurer will pay, per accident, for a covered claim. Anything above the limit is your responsibility. You choose your limits for BI and PD when you buy your policy.

    BI and PD limits can be listed on your policy in a couple of ways.

    The first way is to list them as three separate dollar amounts.

    • The first refers to the maximum amount to be paid per person for injuries (in other words, no individual will get more than this amount).
    • The second is the maximum amount to be paid for all injuries (when you add up all the BI payouts, the total can’t exceed this amount).
    • The third is the total amount to be paid for damage to property.

    As an example, the limits might read like this on your policy: 100/300/100. This translates to $100,000 per person for BI, $300,000 total per accident for BI, and $100,000 for PD.

    The second way is to list them as a combined single limit. Rather than three separate dollar amounts, it’s a single maximum payout amount that applies to all injuries and property damage in a covered accident.

    How much coverage do you really need?

    Progressive s internal data shows that less than two percent of our customers ever file a BI claim. And about 97 percent of those who do file a claim require less than $50,000 total for BI losses.

    Remember, though, that insurance is meant to cover those rare but sometimes severe loss situations. The premiums you pay will reflect the liability exposure you select in your limits. You’re paying for peace of mind.

    This is why it s important not to just arbitrarily choose your bodily injury liability and property damage liability limits. Just call us, or your independent agent, and ask for a policy review. Or if you re just getting a quote with us, be sure to use our Coverage Checker option on progressive.com. Any of these methods will help you figure out whether a particular coverage limit is too high or too low for your particular needs.

    You might think it s odd that a car insurance company would tell you something like this, but we d rather help our customers achieve the kind of just right balance they want.

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    Why You Need Bodily Injury Liability Coverage #how #to #claim #incapacity #benefit

    bodily injury liability

    Why You Need Bodily Injury Liability Coverage

    As an attorney who specializes in car accidents, I get asked all the time about auto insurance. What is the best policy to get? How much should I spend? What do all the different terms mean? While Kemp, Ruge Green Law Group does not support one auto insurance company over another, nor can we put dollar amount on what is best for every individual and family, we can explain what the different terms mean. In previous posts we discussed uninsured/underinsured motorist coverage in “Why You Should Get Uninsured/Underinsured Motorist Coverage ” and Personal Injury Protection (no-fault insurance) in “Updates On Personal Injury Protection (P.I.P.) In Florida .” Now, we will explain discuss Bodily Injury Liability Coverage (B.I.)

    Of all the main insurance terms, B.I. is the one that most confuses people and with good reason. Most insurance coverage is designed to protect the person buying the insurance coverage. For example, when you buy health insurance, you buy it so if you get sick, you can go to the doctor to get better. You do not buy health insurance, in case you get someone else sick, so he can go to the doctor. However, B.I. is purchased precisely so that if you are driving on the road and cause an accident, your insurance company will pay (at least up to the limit of your policy) for the injured party or parties to get medical attention.

    Now, do you have to purchase B.I. to drive an automobile in Florida? No…with exceptions. If you have been convicted of Driving Under The Influence (DUI), then according to Florida Statute 324.023, you are required to carry B.I in the amount of $100,000 per person and $300,000 per accident. You would then be required to carry that for 3 years after you get your license back. But, if you have not been convicted of a DUI, then no, you do not HAVE to get B.I. However, we are here to propose two great reasons why you should.

    1. It does not matter how fantastic and careful of a driver you are. We ALL make mistakes. It would be nice if all mistakes were made at low speeds when no other cars were around, but life is not like that. Accidents happen everyday on 275, 1-4, 54, and basically any other major road you could think of around here. Most of the accidents were someone’s fault, and most of the at-fault drivers probably thought they were incapable of making a mistake, too. If those drivers that caused the accident did not have B.I. to cover the costs of the other drivers’ injuries, then the injured drivers can go after the at-fault drivers’ assets. They can go after your business, investment property, stocks, etc. So much of what you worked so hard for could be gone, just because you didn’t want to pay a few extra dollars every six months.

    “AHA” you may think to yourself, “but I don’t have any assets, so I will keep my extra few dollars.” Unfortunately, you are still not off the hook. The Florida Financial Responsibility Law requires that an at-fault driver that causes personal injury in an automobile accident must provide at least $10,000 per person and $20,000 per accident. If you do not have B.I. and you do not have the money to cover it out-of-pocket, then you could lose your license. Granted, if you do not care about money, and do not care about driving, there is still ONE more reason you should get B.I. Do it for your health.

    2. As we discussed in an early post, uninsured/underinsured drivers are everywhere. If one of them hits you and causes severe damage, you (most likely) will not be able to pay for the treatment or spend years trying to paying off medical bills. What does this coverage have to do with B.I. Everything! You cannot get uninsured/underinsured motorists coverage WITHOUT first getting B.I. If you want to protect you and your family from other people’s negligence, you also have to protect other drivers from you and your family’s negligence.

    The Kemp, Ruge Green Law Group sincerely hopes all of you that have read this that do not have B.I. will head to the phone and call your insurance agent to get it. For those of you that already do, you made a great choice in protecting yourself, your family, and your community; it’s a win-win-win! As always, if you or someone you know, has been in an accident or has questions for us, contact us today or just leave a comment. We will get back to you as soon as possible.