Personal injury and accident claim solicitors Blackpool, Poulton-le-Fylde, Preston, personal injury claims calculator.#Personal #injury #claims #calculator


Personal Injury Accident Claim Solicitors

Personal Injury

Personal injury claims calculator

Have you been injured following an incident on the road, at work or in a public place?

You could be entitled to compensation.

At Alkers Solicitors, our team of specialised lawyers have years of experience in dealing with clients who have been impacted by personal injury or accidents that were not their fault. We are dedicated to ensuring you get the financial support you deserve – and we will be with you every step of the way.

If you feel you have any grounds to make a claim for compensation as a result of a personal injury, please don t hesitate to contact our friendly, helpful team in Poulton-le-Fylde, Blackpool. We will be happy to advise you on the suitability of your case and any other related issues.

Free, no obligation claim assessment

Call us on 0800 00 55 44 (free from all UK landlines and mobiles), for friendly help and advice. If you d like us to call you request a callback from us or complete the enquiry form and a member of our team will get in touch with you.

Compensation Calculator

Estimate your Compensation rights with our personal injury compensation calculator, a rough guide of the level of the sum that you could recover after settlement of your claim for personal injuries.

Clinical/Medical Negligence

Personal injury claims calculator

If you have been a victim of clinical negligence, you may be eligible to make a compensation claim. This legal term refers to physical or psychological damage that occurs as a result of an error made by a health care professional such as a nurse, doctor, midwife or surgeon.

Civil Litigation

Personal injury claims calculator

In simple terms, civil litigation refers to a dispute that arises between two parties, which requires mediation by the courts. As a process, it covers a great deal of different aspects of the law, and is commonly used in cases involving:

If you feel you require civil litigation or mediation regarding a legal dispute, our experienced, professional solicitors are here to help you.

Whether you re located in Poutlon le Fylde, Blackpool, Lytham, Preston or the wider Lancashire area, if you re in need of a reputable and experienced firm to begin civil litigation procedures on your behalf as a result of clinical negligence or a personal injury, or if you require a solicitor to aid you with debt recovery or contractual disputes, contact the team here at Alkers Solicitors today.

We are available on 0800 00 55 44 (free from all UK landlines and mobiles), via the enquiry form, or if you d like us to call you request a callback



Settling Personal Injury Claims: Increase Pain and Suffering Compensation, personal injury claims calculator.#Personal #injury #claims #calculator


Settling Personal Injury Claims

Settling personal injury claims for high amounts depends on many things. The two main factors that are used in the personal injury settlements calculator are:

1) The type of injury you suffered

2) The type of treatment you received

In addition to these, there are 5 more ways you can increase settling personal injury claims.

1. Length of Your Recovery

It’s logical to assume that the more serious your injuries, the longer it will take you to recover. The longer your injuries last, the longer will be your pain and suffering. Which means you should be settling personal injury claims for more money.

The best way to capture your length of recovery is to have it noted in your medical reports. This means repeat visits to the doctor’s office.

Visiting the doctor multiple times does two things. First, it demonstrates that your injuries were serious and ongoing. Second, the doctor can write down your continuing pain and discomfort in your medical reports.

This gives your injuries more credibility and increases your chances of getting a higher settlement from the insurance company.

2. Long Lasting Injuries

Some injuries can last years or may be permanent. These types of injuries are referred to as residual injuries. Residual injuries include scarring, broken bones, torn ligaments, lost limbs, brain damage etc.

Many times, the impact of residual injuries is not presently visible. For example, a head injury can cause complications, such as concussions, months or years after an accident. It is therefore important that your doctor writes down the potential long term consequence of your injuries in your medical report.

The best way to make sure this happens is to simply ask of any potential side effects to your injuries. Doctors are well aware of the claims process. If you tell them you need to document your injuries for an insurance claim they will understand.

This will increase your chances of settling personal injury claims for more money.

3. Taking Medication

If you were prescribed any medication by your doctor, emphasize this in your claim. The fact that you are taking regular medication lets the insurance company know that you’re frequently experiencing pain and suffering. The stronger and longer you are taking the medication, the higher your personal injury settlement.

Make sure to emphasize the purpose of your medication. For example, are you taking it to reduce swelling, severe headaches, inflammation, relieve joint pain?

This further helps you describe the extent of your pain and suffering and settling personal injury claims for more cash.

4. Your Physical Discomfort or Emotional Pain

The type of injury you suffer can impact your life in several different ways. For example:

  • A strained neck may give you discomfort while trying to sleep at night.

  • Being in a wheel chair limits your ability to take care of your kids or elder parents.

  • You feel embarrassment and anxiety from a visible scar.

    You should document how your injury has impacted you both physically and emotionally. You can keep a separate injury diary to note your pain and discomfort. The key points you should emphasize is how the injury has limited your experiences and created new problems.

    As always, you should discuss your discomforts with the doctor so that they can be noted down in your medical report.

    This helps settling personal injury claims because it pushes the psychological and physical impact of being injured.

    5. Any Life Disruptions

    Your injuries may have caused you to miss an important life event. This also falls under the emotional impact of your injuries and you should be compensated. These events include:

    • Missing graduation
    • Unable to attend a friend’s wedding
    • Missing a family vacation
    • Skipping a semester of school

    There is no way to put a dollar value on any of these meaningful events. The amount of money you get will depend on how convincingly you can argue the significance of each event. Typically, the less frequent an event, the more special and significant it will appear.

    For example, missing a one time event (like your best friend’s wedding) will appear more “special” than missing playing a weekly poker with the guys.

    The only way to get a specific amount of money back is if you spent some money for a special event that you could no longer attend, like a vacation. If this happens, then you should get compensated for the amount you spent on that vacation.

    Bottom Line

    Settling personal injury claims for more money will depend on how much proof you can give about your pain and suffering. The best and most credible source for your injuries is the medical report. The better you document your injuries and their impact on your life, the better your chances of getting more money from your injury settlements.

    Want to know How Much Your Injury Claim is Worth? Get a free settlement estimate right now.



  • Accident Claims – Accident Claims and Whiplash Claims, accident injury claims.#Accident #injury #claims


    We re one of the country s leading personal injury solicitors

    Request a call back and one of our personal injury solicitors will call you to discuss your claim. Alternatively, call 0800 652 3305 to speak to someone immediately.

    Over the past 40 years we have won millions of pounds in compensation for our clients.

    We’re recognised as one of the UK’s leading accident claims specialists. Find out why.

    Our claims teams have specialist experience in each of our work disciplines. We can help with whiplash claims, accidents at work, employer liability, medical negligence, road traffic accidents, flight delays, housing disrepair disputes, trips, slips and falls to name a few.

    We operate a 24 hour UK based claims helpline

    We re always here for you no matter what time of the day. Our 24 hour claims line can be reached on 0800 652 3305

    Our reputation makes insurers/defendants take notice

    Our national reputation means that when you are represented by us it makes a difference. Defendants will take serious notice of any claim issued by us.

    Unrivaled experience in personal injury claims

    Est in 1974 we re one of the UK s oldest and most reputable personal injury solicitors. We ve actively been involved in pioneering and pushing the standards of legal services.

    Accident injury claims

    Discover more about us

    We re regulated by the Solicitors Regulations Authority (SRA) and accredited by the Law Society.

    It s simple – You. It underpins the foundations of Accident Claims and everything that we do. Our commitment to client care is second to none. Our aim is to always exceed your expectations. We combine in depth legal advice with extensive market experience ensuring your personal injury claim receives the highest quality of care throughout.

    What they say about us!

    @ That’s twice you’ve helped me out now for whiplash claims. A* service every time. Would highly recommend.

    Accident injury claims

    Ready to talk to us about your claim?Request Call Back

    Our accreditations

    Our solicitors are accredited by various organisations including;

    Accident injury claims

    Accident injury claims

    Accident injury claims

    Accident injury claims

    Accident injury claims

    Accident injury claims

    The Most Simple Way to start your claim

    We make the process of claiming straightforward. To start a new claim request a call back now. Alternatively, to speak to us immediately contact us on 0800 652 3305.

    Frequently asked questions

    We want to make sure you’re 100% before making a claim with us. If you can’t find your answers here give us a call.

    How much is my personal injury claim worth?

    Every claim varies depending on the extent of your injuries. An average whiplash claim can receive around £2,500. To find out what you can claim call us on 0800 652 3305 or request a call back.

    Are there any time limits on making a claim?

    In normal circumstances you have 3 years in which to submit and issue proceedings for personal injury claims. In certain other special circumstances it is possible to obtain an extension. We will be able to assist further once we have spoken to you about your accident claim.

    What does a no win no fee agreement mean?

    A no win no fee agreement is where in the event your case loses you won t be liable to pay any costs. All our personal injury claims are ran on a no win no fee basis. If you need any further clarity please discuss this with our specialist claims team.

    Will i need to attend a medical with a doctor?

    In most cases a medical report is needed to evaluate your claim and to make sure that you receive the correct compensation. However, if this is required we will instruct a doctor or specialist as near to your home as possible to reduce travel.



    No Win No Fee Personal Injury Compensation, Claims Direct, personal injury claims calculator.#Personal #injury #claims #calculator


    personal injury claims calculator

    Find out in 60 seconds how much your compensation claim may be worth.

    To start click on your gender

    Personal injury claims calculator

    Personal injury claims calculator

    Contact Us

    • Accidents at work
    • Accidents / Illness abroad
    • Animal attacks
    • Criminal injury
    • Cycling accidents
    • Faulty products
    • Major disasters
    • Medical negligence
    • Professional negligence
    • Public Liability
    • Road traffic accident
    • Slipping and tripping
    • Sport / leisure injury
    • Work-related disease
    • Other

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    No Win No Fee Compensation

    No Win, No Fee is an agreement between you and your Lawyer or Solicitor that means if your claim is not successful, your Lawyer is not paid for the work that has been done. If you win your claim, your Lawyer is paid part of their fees by the losing party, which is usually an insurance company.

    People we have helped

    Latest personal injury news

    Claims Direct is a trading style of Slater and Gordon (UK) LLP.

    Slater and Gordon (UK) LLP is a limited liability partnership registered in England and Wales (OC371153).

    The registered office is: 50-52 Chancery Lane, London WC2A 1HL.

    Slater and Gordon (UK) LLP is authorised and regulated by the Solicitors Regulation Authority (SRA no 568143).

    Authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity.



    Workers Compensation, pothole claims.#Pothole #claims


    pothole claims

    Teacher’s Liability Coverage

    Work Comp Training

    If you believe you have incurred property damages or personal injury due to the negligence of a state employee or state official, there is a process to file a claim for damages against the State. The types of Tort LIability claims that can be brought against the State are specified in T.C.A. 9-8-307. Some of the most common types of claims are:

    • Negligent operation of a state vehicle or machinery
    • Negligent condition on state property
    • Negligently created or maintained condition on a state highway
    • Negligent care, custody and control of persons or personal property
    • Professional malpractice
    • Breach of contract

    Please refer to T.C.A. 9-8-307 for the complete listing of the types of claims that can be brought against the State.

    To file a claim against the State, you must give written notice of the claim to the Division of Claims Administration. Note that you do not initiate tort liability, contract or workers’ compensation claims directly with the Tennessee Claims Commission, which was created to hear those claims that are not resolved at the Division of Claim Administration within a time frame set by statute and to hear appeals of decisions rendered by the Division of Claims Administration.

    T.C.A. 9-8-402 provides that the Division of Claims Administration has ninety (90) days from the date of receipt of a claim to investigate and either approve or deny the claim. If the Division of Claims Administration does not approve or deny the claim within that time period, then the jurisdiction of the claim automatically transfers to the Tennessee Claims Commission. If this occurs, the Division of Claims Administration will notify you of the transfer.

    If a claim demand exceeds $25,000, or if it is a breach of contract action, the Division of Claims Administration will turn the claim over to the State Attorney General’s Office for investigation. After ninety (90) days from the date of filing, jurisdiction also automatically transfers to the Tennessee Claims Commission. If this occurs, the Division of Claims Administration will notify you of the transfer.



    Pothole claims: how to claim for pothole damage to your car, Auto Express, pothole claims.#Pothole #claims


    Pothole claims: how to claim for pothole damage to your car

    Pothole claims

    If you’re thinking about a claim for pothole damage compensation, read our guide for the key dos and don ts

    Councils lambasted for cutting spending on essential pothole repair work point to squeezed resources in all areas of expenditure. That doesn’t help much when you’re faced with a hefty bill for damage caused after your car has crashed into a gaping chasm in the road. Potholes are a growing problem for motorists in the UK.

    Tyre, wheel, suspension, exhaust and even body damage caused by potholes costs unfortunate UK motorists an incredible £730 million every year, according to some industry figures, with the average individual repair bill totting up to almost £110 per motorist. Drivers of low-slung sporty models with expensive low-profile tyres on big alloy wheels can fare much worse than the average car too and the growing number of potholes could well be a factor in the growing popularity of high-riding crossovers and SUVs.

    Yet according to the Asphalt Industry Alliance it would take councils 14 years just to catch up with all the backlog of pothole repairs needed to UK roads if they carry on fixing the roads at the current rate. One council has even attempted to skirt the pothole problem by increasing the minimum ‘official depth’ of a pothole from 40mm to 60mm in an attempt to defer essential pothole repairs until the problems worsen.

    Making a claim for pothole damage

    Given the amount of money raised by government on road tax and fuel tax, it’s perfectly understandable when damage caused by the pothole menace makes motorists want to hold authorities to account.

    However while it is possible in some cases to hold a local council (or the Highways Agency when main roads are affected) responsible for car damage caused by unrepaired potholes, it’s not as straightforward as many would like.

    Section 58 of the Highways Act 1980

    Local authorities typically refuse all claims as a first step, quoting Section 58 of the Highways Act 1980. Section 58 offers a ‘catch all’ defence, and means the council is saying it took all reasonable steps to maintain the road, and that potholes were dealt with in a timely manner. Unfortunately council officers use Section 58 routinely in rejecting claims, even when they know this isn’t true. They do so on legal advice, as lawyers know most pothole damage claimants will give up at the first hurdle.

    Pothole claims

    From then on, it’s down to you to do the detective work to determine whether the council has indeed carried out its inspections and maintenance to the required standard – which generally means in accordance with the Well-Maintained Highways Code of Practice.

    This may be time-consuming and difficult, as you’ll probably need to use Freedom of Information requests to determine whether the council has failed in its statutory obligations. Specialist websites like the warranty industry-funded Potholes.co.uk can offer detailed help and support, but meanwhile here’s what you need to do if you fall foul of a damaging pothole on the road:

    Pothole damage – essential steps to make a successful claim

    1. Take notes and photographs at the scene

    When it’s safe to do so, pull over to make a note of the exact location of the pothole that damaged your car. You should also record its size, depth and shape, and contact details for any witnesses. It may help a later claim if you can take supporting photographs on your mobile phone to record as much of the information as possible. Never take chances with safety at the scene of the incident though, or things could get very much worse when the next car comes around the corner!

    2. Repair the damage

    If you need immediate roadside repairs then you can’t do much else but follow the advice of your breakdown service or the garage you’ve called out. If repairs can wait, then it’s worthwhile getting several quotes from different repairers so you can show as part of any subsequent claim that you’ve acted to achieve the best price.

    3. Report the pothole

    Be a good citizen and do your bit to help make sure fellow motorists don’t fall into the same trap by alerting the council (or Highways Agency). There’s an easy way to do that by using the official online pothole reporting service.

    4. Submit your claim

    Write a calm letter to the local council (or Highways Agency) outlining the incident where damage was caused, the extent of the damage, and that you hold the council liable. They should respond within a couple of weeks, most likely with a Section 58 defence – but you never know, and might be lucky!

    5. Decide whether to pursue your claim

    Now for the tricky bit. You will have to use your investigative powers to determine whether the council has indeed fulfilled its statutory Section 58 obligations. You are entitled to ask relevant questions about the scheduling and quality of inspections and repairs on the road in question. You must subsequently determine whether you have a realistic case for pursuing your claim.

    If so, write again to the council outlining your grounds for argument. It may be that the council agrees to pay up on receipt of your evidence, but if they don’t you are then faced with a choice of court action. A small claims court action is very cheap and easy via the latest web-based system called Money Claim Online, but whether it’s worth pursuing or not will depend on the cost of repairs, the amount of time you can afford, and the level of your moral outrage.

    Have you ever made a successful or unsuccessful compensation claim for pothole damage to your car? Tell us about it in the comments section below.



    Pothole-related breakdowns increase by over 30%, Highways Magazine: Industry News, Services, Conferences and Exhibitions, pothole claims.#Pothole #claims


    Pothole-related breakdowns increase by over 30%

    Pothole claims

    The number of pothole-related faults attended by RAC patrols in the second quarter of this year increased by almost a third (31%) compared to the same period in 2016.

    Released today, the figures reveal that between April and June RAC patrols helped 3,565 motorists whose vehicles had suffered issues that could be largely attributable to poor road surfaces, including broken suspension springs, damaged shock absorbers or distorted wheels.

    This is in contrast to the 2,725 similar breakdowns in the same three months of 2016.

    The RAC responded to the figures by reiterating calls for a ring-fenced funding block for local roads.

    There is a customary decline in the number of these faults from the first three months of the year to the second, as the weather improves and more road resurfacing is carried out.

    This year that decline was greater than usual at 46% (6,559 in Q1 to 3,565 in Q2). This is compared to the 32% decrease in 2016 (4,026 Q1 to 2,725 in Q2). However the number of pothole related breakdowns in the first quarter of this year was particularly high , RAC chief engineer David Bizley said.

    He added: After a period of steady improvement, it is disappointing to see an unwelcome rise in the number of pothole-related breakdowns RAC patrols dealt with in the second three months of the year when compared to the same period in 2016.

    The most worrying aspect, however, is the fact that this year’s weather has been so much milder and drier than in the equivalent six months last year and, for this reason, we should have expected the numbers for the second quarter to be lower.

    A short-term reversal in the fragile improvement in surface quality of the UK’s roads may not seem much to be concerned about but we fear it would only take a spell of very cold or wet weather for the improvements of the last year or two to evaporate and for the nation to find itself in a situation when we would once again be seeking emergency funding from Government to address the worst affected roads.

    He added that local roads have been neglected compared with the funding for the strategic road network, and this is why we are still calling on the Government to recognise their national significance and to mirror their approach to major roads and ring-fence a dedicated fund for this purpose .

    The RAC Pothole Index is a 12-month rolling average of pothole-related breakdowns corrected to remove unrelated longer term effects of weather and improving vehicle reliability. It uses a complex equation comparing current pothole-related breakdown figures with historic baseline data.

    The current Index also indicates a worsening picture after five successive quarters of improvement.

    As of the second quarter of 2017 the index stands at 2.2, having begun at a base of 1.0 in 2006. This is an increase on the first quarter of the year when it stood at 2.08 – the lowest figure recorded since Q4 2008 – and the first increase seen since the beginning of 2016.

    However overall road conditions are still vastly better than the high index point of 3.5 in January to March 2010.



    Alternative Claims Management, Auto Fleet Insurance Claims Recovery, claims insurance.#Claims #insurance


    claims insurance

    Claims insurance

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    Documenting and collecting claims for major independent and leading franchise car rental companies as well as specialized fleets throughout the country

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    Maximize your claims and

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    Are you collecting all you

    are legally owed?

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    Serving the Auto Fleet Industry One

    Claim at a time since 1997

    About Us

    Since 1997 Alternative Claims Management (ACM) has specialized in fleet damage claims recovery and subrogation. We have collected over a half a billion dollars in claims proceeds and documented hundreds of thousands of claims. ACM is the leader in collecting the sums owed to our clients. Allow us to work for you too! We handle claims recovery for car rental agencies, dealership loaner cars, EMS vehicles, municipalities, and commercial fleets. ACM is accredited and maintains an A+ rating with the BBB. ACM does not charge a processing fee to handle a claim. We only earn a commission when we succeed for you! Therefore, our clients do not incur an additional expense when using our program, but rather reap the full rewards of the recovery efforts we provide for them.

    What We Believe

    We believe all organizations deserve to recover and collect the true value of their fleet and equipment when damaged by another party, as well as the true impact that the loss of use has on their success.

    How It Works

    What We Do

    Alternative Claims Management (ACM) specializes in value recovery for commercial and rental fleets involved in an accident. Specifically, we maximize the recovery proceeds for a fleet’s Physical Damage, Loss of Use, and Diminution of Value. We work on performance only, so our interests are strategically aligned with our clients. ACM handles claims recovery for vehicle fleets within a variety of industries including construction, emergency vehicles, limousine, transportation firms, and specialty vehicles.

    How We Do It

    When an accident occurs in your fleet, you forward the information to ACM and we handle the required notifications and paperwork, guide the estimating process, and work with the “liable” insurance carrier on your claim. We handle the claims process so you can stay focused on your core business. Our interactive website “Tracker” allows our clients to see the progress of their claims, upload pictures, add notes, generate reports, and other key information. ACM works with a national network of independent appraisers and salvage buyers that coordinate and maximize the value recovery that our clients are entitled to receive. ACM clients typically experience a 15-25% net increase in claims proceeds over their in-house or outsourced programs.

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    Insurance – The #1 Source for Insurance Job Postings, Claims, Sales, Underwriting, Adjusters, Actuarial Career Positions, claims insurance.#Claims #insurance


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    Insurance Claims – Old Dominion Insurance Agency, Inc, claims insurance.#Claims #insurance


    Insurance Claims

    Our job is to see that your claim is handled quickly and fairly and that you are never out of the loop. Practices and procedures vary somewhat depending on the type of insurance and the insurance company, but you let us worry about that. In most cases we can let you know well in advance what to expect and will be able to make sure that everything is on track. If you ever need us we re just a phone call away: (540) 248-4000

    Claims Reporting:

    To better assist you, the following carriers have 24 hour direct claim reporting services available. Prior to calling, please have your policy number and claim details available for the claims adjuster. The insurance carrier will forward a copy of your claim report to our office. Also, if we can assist you in any way, please do not hesitate to contact us or call us at your convenience at (540) 248-4000.

    Claims Number: (800) 841-5241

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    Auto, Home, Personal Property and Boat Claims: (800) 252-4633

    Boat/Yacht: (800) 772-4482

    Business Insurance Claims: (800) 238-6225

    Construction Claims: (877) 828-4132

    Flood: (800) 505-0193

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    Auto Insurance Claims Information, claims insurance.#Claims #insurance


    Insurance Claims

    Because the moments following a car accident can be stressful and filled with distractions, it’s important to understand how your insurance company handles auto insurance claims before you’re involved in an accident.

    We’ve compiled information related all types of auto insurance claims, including bodily and personal injury claims, accident claims involving property damage, and how to tell the difference between a routine insurance claim and one for which you might need legal assistance. Understanding these factors before an auto accident means you can take the proper steps to document and report every kind of injury and accident loss, thus increasing your chances of being fairly and swiftly compensated.

    Claims Types and Filings

    In these pages, you’ll find important info on car insurance claims including why car insurance rates go up after accidents.

    Tips on filing car insurance claims following an auto accident. Find simplified info on how & when to report car accidents to an auto insurance company.

    Find important information on how the claims process is handled from initial report, to working with an insurance claims specialist to the final settlement.

    Find information on car insurance claims with an emphasis on accident-related injuries.

    Legal Representation, Settlements and FAQs

    Find information on auto insurance claim settlements & handling an auto accident through a car insurance company.

    Information on legal representation & auto accident lawsuits. Find out more on hiring an attorney such as a personal injury lawyer if you are involved in a car wreck.

    Learn the answers to some common questions about filing claims with your car insurance company.

    Insurance Claims Articles

    Learn how to file an auto claim after a car accident. Our guide to car insurance claims shows you how to deal with auto insurance adjusters, negligent parties & more.

    Let’s look at 5 scenarios to determine if your car insurance company will cover you if you damage your own property.

    Learn about car insurance fraud and auto theft and ways in which it can affect your car insurance rates.



    Canopy Claims – Canopy Claims, claims management companies.#Claims #management #companies


    claims management companies

    Claims management companies

    From pre-loss services to full claims management,Canopy Claims serves your property and casualty needs nationwide. Please contact us to explore your options

    5 Key Reasons to Choose Canopy Claims

    Claims management companies

    Deep Expertise

    Canopy Claims Management provides a team of experienced professionals and full complement of technical resources to assess and quantify.

    Claims management companies

    Rapid Response

    Canopy Claims Management responds immediately to a loss event, disaster or crisis anywhere in the U.S. to prepare your claim and facilitate.

    Claims management companies

    Comprehensive Menu of Services

    Canopy Claims Management offers a comprehensive solution with the ability to address the entire property claims process on behalf of our clients.

    Claims management companies

    Totally Committed to our Clients

    We are your steadfast advocate for all aspects of your claim. Our team draws on extensive relationships with the insurance carrier community.

    Claims management companies

    Flexible Arrangements

    Canopy Claims Management offers flexible terms and structures in our commercial client engagements. Depending on your service needs and budget.

    On-site with Canopy Claims

    News & Events

    Write It Right

    Claims management companies

    Claims management companies

    Claims management companies

    Claims management companies

    Claims management companies

    Claims management companies

    Claims management companies

    Claims management companies

    Other Insurance/Duplicate Claims

    Claims management companies

    Claims management companies

    Quick Links

    About Canopy Claims

    Canopy Claims Management, LLC is a leading provider of property claims management services for businesses, private clients and individual homeowners throughout the U.S.

    The company mobilizes quickly during a disaster to help clients assess damage, submit claims and achieve timely recoveries.

    Contact US

    If you have questions about our services or need immediate claims assistance:



    We Make Claims Management EASY, claims management companies.#Claims #management #companies


    claims management companies

    WHY CHOOSE ClaimsCaddy.com

    Because it simplifies claims management and

    takes it to a whole new level!

    Developed by software specialists alongside claims industry professionals to administer claims management at a whole new level!

    We Make Claims Management EASY!

    Claims management companies

    Scores are a way of describing evaluation criteria (or “grading standards”) based on the expected outcomes and performances rather then using report based outcomes. The CAPE TM Score is the sum of the calculation of several different pieces of claim adjusting and management information! The CAPE TM Score is designed to give management a clear analysis of company and individual performance when it comes to the administration of claims processed rather than accumulating pages and pages of monthly reports. ClaimsCaddy, LLC now uses the CAPE TM Scoring module on each claim processed and furnishes the CAPE TM Score averages by insurance company, independent company and by adjuster.

    When in the field the inspector can use his or her mobile device or tablet to:

    1. View all assigned inspection listings.
    2. Complete the entire inspection while in the field and submit it for review.
    3. Take pictures and upload them to the respective inspection file.
    4. Add notes to any inspection and notify anyone who has management access to the inspection file.
    5. Email any inspection images and or reports to anyone associated with the inspection file.

    When in the field the adjuster can use his or her mobile device or tablet to:

    1. View all assigned claim listings.
    2. Take pictures and upload them to the respective claim file.
    3. Add notes to any claim and notify anyone who has management access to the claim.
    4. Email any claim images and or reports to anyone associated with the claim.

    Users can now view previous claim data that match the address and zip code of a current claim. This data (including images) can be used to insure that previously assessed damages have been repaired or replaced prior to any new assessment, thereby helping to eliminate over payment and fraud!

    Dispatchers can now assign claims to field adjusters and processors in BULK. Our system automatically scans the adjuster database for matching experience and distance from the claim. Dispatchers have the opportunity to edit all choices and mark which claims to hold or allow for assignment. Push one button and all marked claims are assigned to adjusters and processors.

    Dispatchers can now re-assign claims to field adjusters in BULK. Our system automatically looks for claims that have not been accepted by field adjusters and then scans the adjuster database for matching experience and distance from the claim. Dispatchers then have the opportunity to re-assign the claim or mark any claim to hold as is. Push one button and all marked claims are re-assigned to the new adjusters.

    Adjusters can now mark their license designations or experience within their profile. Dispatchers can execute a search of adjusters based on the type of claim and those that meet the experience needed to adjust the claim!

    Companies now have an option to add litigation professionals to the group of professionals that can have access to claim files when necessary!

    Create DIARY reminders to insure contract compliance from 1 to 10 days from last update. Option to edit the DIARY on a claim-by-claim basis incase a quicker response is required

    Claims management companies



    Workers Compensation classification codes, NCCI classications, workmans comp claims.#Workmans #comp #claims


    workmans comp claims

    Employers may request exemption from the provisions of the Workers’ Compensation Act for any employees who are members of a recognized religious sect and adhere to its established tenets or teachings which conscientiously oppose acceptance of public or private insurance benefits by filing a Section 304.2 Application for Religious Exception of Specified Employees from the Provisions of the Pennsylvania Workers’ Compensation Act, concurrently with the appropriate number of properly executed forms LIBC-14B, Employee’s Affidavit and Waiver of Workers’ Compensation Benefits and Statement of Religious Sect with the Compliance Section, Bureau of Workers’ Compensation. If the Compliance Section grants exemption, the employer may omit insuring its workers’ compensation liability only with respect to the particular employees exempted for as long as the particular employee is a member of and adheres to the tenets of that religious sect and the sect continues to conscientiously oppose acceptance of public or private insurance benefits.

    What About Independent Contractors?

    Pennsylvania doesn’t require sole proprietors or partners to cover themselves for Workers Compensation. (They are required to get coverage, though, as soon as they have any employees.) But as in many other states, if another company hires a sole proprietor or partner who is operating their own business, the company that hires them may well end up being charged extra premium by their own insurance company, if that independent contractor is uninsured.

    Workers Compensation premiums are calculated by assigning classifications to the business operations (according to a system devised by the Pennsylvania Compensation Rating Bureau , or PCRB). Each classification has a particular rate, which is applied to remuneration (the rate is per hundred dollars of remuneration). The policy starts out with estimated remuneration (usually referred to as payroll, but it can be more than that) and then, when the policy ends, actual remuneration is determined, and the policy premium is adjusted by an audit.

    Who regulates Workers Compensation in Pennsylvania?

    Claims matters are handled by the Pennsylvania Department of Labor Industry. This body resolves disputes regarding proper claims settlements, and compensability of particular claims.

    Advanced Insurance Management helps employers reduce Workers Compensation insurance premium audits, classifications and experience modifiers, double checking technical issues that directly affect the premium charges made by insurance companies.

    We find and recover overcharges in past current Workers Compensation insurance premiums paid by employers.

    Workmans comp claimsWorkmans comp claims

    Workmans comp claims

    We review Workers Comp insurance audit billings to find and then fix technical errors that make the premium charges higher than they really should be–fixing mistakes before you pay that inflated bill.

    Experience Modification Factor increase shutting your company out of work? We help employers lower experience mods.

    The new experience rating formula is hurting many employers, and a mod over 1.00 can shut you out of important projects. A.I.M. lowers mods for clients by finding and correcting hidden calculation errors.

    Change in WC Classification threatening your business? We help employers successfully appeal classification code changes by insurers or NCCI.

    A.I.M. has helped employers all over the United States fight mistaken classification changes initiated by insurers or by rating bureaus such as NCCI.

    In litigation over Workers Compensation insurance premium charges? We provide expert witness services in legal cases involving Workers Compensation insurance premiums, audits, classifications, experience modifiers, and related technical issues.

    State and federal courts across the U.S. have recognized A.I.M. personnel as qualified experts on these issues.

    We also can recover overcharges from your past Workers Compensation policies.

    And we help employers successfully dispute Workers Compensation premiums and audits made by insurance companies.

    In short, we lower Workers Comp insurance costs for employers by finding and correcting underwriting and auditing errors in Workers Comp premium calculations and audits.

    Workmans comp claims

    Workmans comp claims

    I would like to thank you for the great work you did in investigating the problem with our experience modification rating. Your discovery of errors as well as insurance companies’ failures to submit data to NCCI were critical to our company’s ability to continue to do construction work on federal projects. — National Resource Management

    Advanced Insurance Management LLC is not an insurance agency or brokerage. We’re not looking to compete with or replace your current insurance agent. That means we can assist you, as consultants, without making any change in who you buy your Workers Comp insurance from. And we can work together with your agent, where appropriate, as we are not affiliated with any insurance agency or insurance company.

    Workmans comp claims

    Workmans comp claims

    Before we hired Advanced Insurance Management, we were facing almost $40,000 of workers compensation premiums for my company that supposedly had one employee. I was facing the very real possibility of having to close my doors because of these bills.

    Advanced Insurance Management was able to negate the premium that the insurance company was trying to apply. I would highly recommend Advanced Insurance Management to anyone that is involved in a dispute with their Workmans Compensation Insurance carrier. They saved my business. — WTLS Services

    Your review of our past Workers’ Compensation policies produced a refund of just over $23,000, a refund produced by your finding overcharges in our old policies that we had never realized had occurred. — Diamond Blast Corporation

    Such errors and overcharges are far more common than many in the insurance industry like to admit. The complexities of rules governing proper classification, experience modification factors, payroll audits, and varying state regulations and statutes mean that many employers are overcharged without ever knowing it.

    Workmans comp claims

    Workmans comp claims

    Thanks to your persistence and effort, we received a refund of over $36,000 from our insurance company. – Polar Tool

    you can also listen to an audio interview about our work.

    Consultants on Workers Comp Classification Codes, Experience Modifiers, Payroll Audits, More

    Advanced Insurance Management has been a tremendous help to Allied Welding, Inc., and has saved us money and generated a significant refund on our Workers’ Compensation by finding an error in our classifications. We value their expertise. — Allied Welding

    Workmans comp claimsWorkmans comp claims

    Workmans comp claims



    Claims Management Regulator, claims management companies.#Claims #management #companies


    Claims Management Regulator

    We work to protect and promote the interests of consumers and the public, and to ensure that the firms we regulate understand and comply with the conditions of their authorisation.

    Contents

    About us

    We’re a unit of the Ministry of Justice and we regulate the companies that offer a service for people hoping to claim compensation for:

    • Personal injury
    • Mis-sold financial products and services
    • Employment and redundancy
    • Criminal injury
    • Industrial injury
    • Housing disrepair

    Responsibilities

    Within England and Wales, we’re responsible for:

    • Licensing firms and individuals to provide claims management services
    • Taking action when a regulated firm breaks the Conduct of Authorised Persons Rules
    • Carrying out regulatory and criminal investigations
    • Providing guidance and advice to consumers, organisations and regulated firms
    • Leading policy reform for the claims management regulatory system
    • Increasing consumers’ awareness of the charges firms can make
    • Dealing with unauthorised companies offering claims management services

    Authorised business register

    Search our list of authorised claims management companies (CMCs ) to check a claims company’s registration

    News and updates

    • View our latest publications and news
    • Read our quarterly enforcement update summarising the action taken against CMCs in breach of the rules
    • View our live investigations and enforcement list against CMCs in breach of the rules
    • Read our latest press releases.

    Guidance for claims management companies

    • Apply for or renew your authorisation to offer claims management services
    • Check if your company needs authorisation
    • View the rules, regulations and guidance for authorised claims management companies CMCs
    • Read our bulletins for guidance and advice on important issues facing CMCs

    Guidance for consumers

    As a client or prospective client of a claims company you can:

    Reports and consultations

    View our publications:

    Contact

    General Enquiries

    Telephone: 0333 200 0110

    Authorisation applications

    Telephone: 0333 200 1321

    Claims Management Regulation Unit

    57-60 High Street

    Complaints procedure

    We can deal with complaints about the service we have provided – for example, if you feel we have not treated you fairly or we took too long to deal with your case. Use the CMR complaints form ( MS Word Document , 77.7KB )



    Workers – Compensation Benefits FAQ, workmans comp claims.#Workmans #comp #claims


    Workers Compensation Benefits FAQ

    Questions

    Workers’ comp does pay hospital and medical expenses that are necessary to diagnose and treat your injury. But it also provides disability payments while you are unable to work (typically, about two-thirds of your regular salary), and may pay for rehabilitation, retraining, and other benefits as well. For more information, see Nolo’s article Types of Workers’ Compensation Benefits.

    Workers’ compensation, also known as workmans’ comp, covers most, but not all, on-the-job injuries. The workers’ compensation system is designed to provide benefits to injured workers, even if an injury is caused by the employer’s or employee’s carelessness. But there are some limits. Generally, injuries that happen because an employee is intoxicated or using illegal drugs are not covered by workers’ compensation. Coverage may also be denied in situations involving:

    • self-inflicted injuries (including those caused by a person who starts a fight)
    • injuries suffered while a worker was committing a serious crime
    • injuries suffered while an employee was not on the job, and
    • injuries suffered when an employee’s conduct violated company policy.

    For more information, see Nolo’s article on when injuries are work-related.

    Does workers’ compensation cover only injuries or does it also cover long-term problems and illnesses?

    Your injury need not be caused by an accident — such as a fall from a ladder — to be covered by workers’ compensation. Many workers receive compensation for injuries that are caused by overuse or misuse over a long period of time (for example, repetitive stress injuries such as carpal tunnel syndrome or chronic back problems). You may also be compensated for some illnesses and diseases that are the gradual result of work conditions, such as heart conditions, lung disease, and stress-related digestive problems. For more information on repetitive stress injuries, see the Nolo article Repetitive Stress Injuries in the Workplace.

    Do I have to be injured at my workplace to be covered by workers’ compensation?

    No. As long as your injury is job-related, it’s covered. For example, you will be covered if you are injured while traveling on business, doing a work-related errand, or even attending a required business-related social function. For more information on what counts as a job-related injury (and what doesn’t), see Nolo’s article Workers’ Compensation: Is Your Injury or Illness Work-Related?

    Are all employees covered by workers’ compensation?

    No. First of all, not all employers are required to have workers’ compensation coverage. State laws vary, but an employer’s responsibility to provide coverage usually depends on how many employees it has, what type of business it is, and what type of work the employees are doing. Second, every state excludes certain types of workers. Although these exclusions vary, they often include farm workers, domestic employees, and seasonal or casual workers. For more information, see Nolo’s article Are You Eligible for Workers’ Compensation Benefits?

    Can I be treated by my own doctor and, if not, can I trust a doctor provided by my employer?

    In some states, you have a right to see your own doctor if you make this request in writing before the injury occurs. More typically, however, injured workers are referred to a doctor recruited and paid for by their employers.

    Your doctor’s report will have a big impact upon the benefits you receive. Keep in mind that a doctor paid for by your employer’s insurance company is not your friend. The desire to get future business from your employer or the insurance company may motivate a doctor to minimize the seriousness of your injury or to identify it as a preexisting condition. For example, if you injure your back and the doctor asks you if you have ever had back problems before, it would be unwise to treat the doctor to a 20-year history of every time you suffered a minor pain or ache. Just say “no” unless you really have suffered a significant previous injury or chronic condition.

    Can I ever sue my employer in court over a work-related injury?

    Yes. If you are injured because of some reckless or intentional action on the part of your employer, you can bypass the workers’ compensation system and sue your employer in court for a full range of damages, including punitive damages, pain and suffering, and mental anguish. For more information, see Nolo’s article Workplace Injury: When You Can Sue Outside of Workers’ Compensation.

    What is workers’ compensation?

    Workers’ compensation, also known as workmans’ comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. While the federal government administers a workers’ comp program for federal and certain other types of employees, each state has its own laws and programs for workers’ compensation. For up-to-date information on workers’ comp in your state, contact your state’s workers’ compensation office. (You can find links to the appropriate office in your state on the State Workers’ Compensation Officials page of the U.S. Department of Labor’s website.)

    In general, an employee with a work-related illness or injury can get workers’ compensation benefits regardless of who was at fault — the employee, the employer, a coworker, a customer, or some other third party. In exchange for these guaranteed benefits, employees usually do not have the right to sue the employer in court for damages for those injuries.



    Lower Your Workers Comp Costs, Reduce Workers, workmans comp claims.#Workmans #comp #claims


    Lower Your Workers Comp Costs, Reduce Workers / Workmans Compensation, Lowering WC Expense | Workers Comp Resource Center from AMAXX LLC

    Workmans comp claims

    Workers’ compensation is not just a cost of doing business as many CEOs, CFO’s and Business Owners think. It is an expense within your control. There are two reasons workers compensation costs are high. First, there are too many claims lasting too long. Second, the employer is not taking charge of the workers compensation process. Don’t make the mistake many other employers have made. Take charge of your workers compensation costs today! Just [Read More. ]

    Workmans comp claims

    Free Weekly Newsletter with Tips Hints to Reduce Workers Comp Costs

    Sign up for our weekly newsletter with workers compensation cost reduction hints and tips. Sign-Up for Our Newsletter View previous newsletters in our Newsletter Archive Free Weekly Newsletter Can Help You Reduce Your Workers’ Comp Costs Articles drawn from our top rated and award winning blog Success stories based on field research Contains local, state, national, federal, international workers’ comp [Read More. ]

    Workmans comp claims

    How Much Is Workers Compensation Insurance?

    When you open or run a business, you need to determine whether workers’ compensation coverage is required. It probably is! How much is workers’ compensation insurance? The cost of workers’ compensation varies depending on the number of employees, how risky your business is, and whether any of your employees were injured in the past. It used to be called “workman’s’ compensation and although the name changed, many people still refer to [Read More. ]

    Workmans comp claims

    Business Services to Improve Your Bottom Line

    We are industry leaders in workers’ compensation and injury management cost containment. Our team includes consultants, attorneys and medical doctors who can discuss the extent of an injury during training or help train your internal medical department. We can also help your risk management organization or insurance agency improve your bottom line through our marketing communications and advertising programs, which we customize for your niche-target [Read More. ]

    Workmans comp claims



    Alternative Claims Management, Auto Fleet Insurance Claims Recovery, claims management companies.#Claims #management #companies


    claims management companies

    Claims management companies

    Claims management companies

    Documenting and collecting claims for major independent and leading franchise car rental companies as well as specialized fleets throughout the country

    Claims management companies

    Maximize your claims and

    Minimize your losses

    Claims management companies

    Are you collecting all you

    are legally owed?

    Claims management companies

    Serving the Auto Fleet Industry One

    Claim at a time since 1997

    About Us

    Since 1997 Alternative Claims Management (ACM) has specialized in fleet damage claims recovery and subrogation. We have collected over a half a billion dollars in claims proceeds and documented hundreds of thousands of claims. ACM is the leader in collecting the sums owed to our clients. Allow us to work for you too! We handle claims recovery for car rental agencies, dealership loaner cars, EMS vehicles, municipalities, and commercial fleets. ACM is accredited and maintains an A+ rating with the BBB. ACM does not charge a processing fee to handle a claim. We only earn a commission when we succeed for you! Therefore, our clients do not incur an additional expense when using our program, but rather reap the full rewards of the recovery efforts we provide for them.

    What We Believe

    We believe all organizations deserve to recover and collect the true value of their fleet and equipment when damaged by another party, as well as the true impact that the loss of use has on their success.

    How It Works

    What We Do

    Alternative Claims Management (ACM) specializes in value recovery for commercial and rental fleets involved in an accident. Specifically, we maximize the recovery proceeds for a fleet’s Physical Damage, Loss of Use, and Diminution of Value. We work on performance only, so our interests are strategically aligned with our clients. ACM handles claims recovery for vehicle fleets within a variety of industries including construction, emergency vehicles, limousine, transportation firms, and specialty vehicles.

    How We Do It

    When an accident occurs in your fleet, you forward the information to ACM and we handle the required notifications and paperwork, guide the estimating process, and work with the “liable” insurance carrier on your claim. We handle the claims process so you can stay focused on your core business. Our interactive website “Tracker” allows our clients to see the progress of their claims, upload pictures, add notes, generate reports, and other key information. ACM works with a national network of independent appraisers and salvage buyers that coordinate and maximize the value recovery that our clients are entitled to receive. ACM clients typically experience a 15-25% net increase in claims proceeds over their in-house or outsourced programs.

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    • Claims management companies
    • Claims management companies
    • Claims management companies


    The UK Road Accident Claims Expert, EasiGo, accident and injury claims.#Accident #and #injury #claims


    Easi Go

    Accident Management Company

    Accident Claims Expert

    Call Us FREE : (0800) 044 3747 0330 022 6781

    EasiGo Accident Management Offers

    • UK wide assistance-whatever your insurance cover
    • Quality courtesy car delivered to your home
    • Courtesy car supplied even if your car is a write off
    • Help with Parked car claims
    • Full Vehicle Recovery and Repair
    • Main Dealer Repairs
    • Specialist Injury Claim Solictors
    • NO insurance excess and NCB protected
    • Help with uninsured driver claims

    If you had a non fault accident, we can help you! Whether you drive a car, a taxi, a van or a motorbike, we will handle your claim; supplying you with a replacement vehicle, dealing with the other driver’s insurers, and getting you full compensation for your injuries and other losses. Even if you only have Third Party cover, we will still lend you a courtesy car, and deal with all aspects of your car accident claim.

    We file your car accident claim directly with the other insurers, so we save you paying any Policy Excess! We recover all uninsured losses, including lost earnings. Even if you were uninsured, we will recover repair costs, if there is an injury claim involved.We file your car accident claim directly with the other party’s insurers, so we protect your No Claims Bonus and save you paying any insurance policy excess! We will recover all uninsured losses, including loss of earnings, and even if you are uninsured we will recover your repair costs, or car value, if there is an injury claim involved.

    Accident and injury claims

    Accident and injury claims

    Replacement

    If your car is not roadworthy, we will deliver a quality replacement to your home. If your car is still roadworthy, we will arrange a replacement to use, when yours goes in for repairs. The courtesy car will be collected when yours is returned.

    Accident and injury claims

    Recovery

    If your car is not safe to use, or not driveable, we will arrange to collect it from your home, or from a storage yard, if the police have moved it there. It will be taken to a secure compound, where it can be properly examined by a qualified accident engineer.

    Accident and injury claims

    Paper Work

    We will track down the other driver’s insurers, using the registration number, and file your claim directly. If needed, we will contact witnesses. We make our own enquires, rather than requiring an admission of liability from the other insurers. We arrange vehicle inspections and valuations, as well as repairs.

    Accident and injury claims

    Injuries Claims

    Our associated solicitors are specialists in road accident claims will file your claim against the other insurer. They will also organise any medical treatment (physiotherapy etc) that you may need to help your recovery.

    Accident and injury claims

    Accident Law

    The solicitors don t just deal with your injury claim; they will also take legal action to recover any other losses, will also take the other insurers to court, if liability for the accident is in dispute. If they are handling your injury claim, the agreement is they handle all aspects of your claim.

    Why use us Instead of your own insurer?

    EasiGo offers:

    • A similar, or better,replacement vechicle to your own-even if you are only Third Party Insured!
    • Pay no policy excess- we claim directly off the other insurers, so you don’t pay your insurance excess.
    • Main dealer, or your own repairer- safeguard the value of your car.
    • We get forecourt values for your vehicle-even if you have Motor Trade cover
    • We file your claim directly with the other insurers, we handle all the paper work & claim admin.
    • Cash on lieu of repair option, if we handle your injury claim.
    • Our associate solicitors will not only pursue your injury claim, but deal with all other aspects of your car claim.

    Your insurer :

    EasiGo Accident Management offers a total service!

    We ONLY handle road accident claims from repairing your car and lending you a free one, to getting you compensation for your injuries. We will deliver a replacement vehicle to your home or place of work, and will also organize for your damaged car to be taken to an approved repairer. A damage report will be prepared, assessing whether it is repairable and also giving a replacement value if it is too badly damaged. Even if it is a write off, we will lend you a car until you have been paid out, plus a week to find a new car- most insurers will not supply you with a courtesy car, if yours is written off! Easigo will contact the other party’s insurers, collect police reports and witness statements. Because we deal directly with the other party’s insurers, there will be no effect on your no claims bonus, nor will you have to pay any insurance policy excess.



    Accident Claims – Accident Claims and Whiplash Claims, accident and injury claims.#Accident #and #injury #claims


    We re one of the country s leading personal injury solicitors

    Request a call back and one of our personal injury solicitors will call you to discuss your claim. Alternatively, call 0800 652 3305 to speak to someone immediately.

    Over the past 40 years we have won millions of pounds in compensation for our clients.

    We’re recognised as one of the UK’s leading accident claims specialists. Find out why.

    Our claims teams have specialist experience in each of our work disciplines. We can help with whiplash claims, accidents at work, employer liability, medical negligence, road traffic accidents, flight delays, housing disrepair disputes, trips, slips and falls to name a few.

    We operate a 24 hour UK based claims helpline

    We re always here for you no matter what time of the day. Our 24 hour claims line can be reached on 0800 652 3305

    Our reputation makes insurers/defendants take notice

    Our national reputation means that when you are represented by us it makes a difference. Defendants will take serious notice of any claim issued by us.

    Unrivaled experience in personal injury claims

    Est in 1974 we re one of the UK s oldest and most reputable personal injury solicitors. We ve actively been involved in pioneering and pushing the standards of legal services.

    Accident and injury claims

    Discover more about us

    We re regulated by the Solicitors Regulations Authority (SRA) and accredited by the Law Society.

    It s simple – You. It underpins the foundations of Accident Claims and everything that we do. Our commitment to client care is second to none. Our aim is to always exceed your expectations. We combine in depth legal advice with extensive market experience ensuring your personal injury claim receives the highest quality of care throughout.

    What they say about us!

    @ That’s twice you’ve helped me out now for whiplash claims. A* service every time. Would highly recommend.

    Accident and injury claims

    Ready to talk to us about your claim?Request Call Back

    Our accreditations

    Our solicitors are accredited by various organisations including;

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    The Most Simple Way to start your claim

    We make the process of claiming straightforward. To start a new claim request a call back now. Alternatively, to speak to us immediately contact us on 0800 652 3305.

    Frequently asked questions

    We want to make sure you’re 100% before making a claim with us. If you can’t find your answers here give us a call.

    How much is my personal injury claim worth?

    Every claim varies depending on the extent of your injuries. An average whiplash claim can receive around £2,500. To find out what you can claim call us on 0800 652 3305 or request a call back.

    Are there any time limits on making a claim?

    In normal circumstances you have 3 years in which to submit and issue proceedings for personal injury claims. In certain other special circumstances it is possible to obtain an extension. We will be able to assist further once we have spoken to you about your accident claim.

    What does a no win no fee agreement mean?

    A no win no fee agreement is where in the event your case loses you won t be liable to pay any costs. All our personal injury claims are ran on a no win no fee basis. If you need any further clarity please discuss this with our specialist claims team.

    Will i need to attend a medical with a doctor?

    In most cases a medical report is needed to evaluate your claim and to make sure that you receive the correct compensation. However, if this is required we will instruct a doctor or specialist as near to your home as possible to reduce travel.



    Workers Compensation Insurance – Workmans’ Comp, The Hartford, workers compensation claims.#Workers #compensation #claims


    Workers’ Compensation Insurance

    What is Workers’ Compensation Insurance?

    How Does Workers’ Comp Insurance Work?

    How Much is Workers’ Comp Insurance?

    Workers compensation claims

    Is Workers’ Compensation Insurance Required?

    Needlestick Reimbursement Program

    Workers’ Compensation Insurance Customer Claims Reviews

    The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

    The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

    The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

    In general, reviews are published if they are relevant to the experience and not defamatory.

    While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

    • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
    • In order to protect our customers privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
    • We do not publish reviews citing exact premium and settlement amounts.
    • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
    • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.


    Workers Work Injury Compensation Claims, 1300 911 142, workers compensation claims.#Workers #compensation #claims


    Workers Injury Compensation

    Workers Injury Compensation

    Claims Australia is here to provide you with appropriate contacts for whatever your matter might be. So if you have had an accident at work, sustained a psychological injury from your workplace environment, been involved in a motor vehicle accident travelling to or from work, or during working hours you can be sure that you will receive the right advice through Claims Australia. If you’re not sure what your rights are then it is highly recommended that you contact Claims Australia to seek free legal advice.

    Know Your Rights

    When suffering an injury at work it is important to know what your rights are whether your injury is temporary, on going or permanent. The legislation differs from state to state in Australia. To find out more about your legislation contact us on 1300 911 142.

    Employers always have Workers Compensation insurance

    It is mandatory for all employers to take out Workers Compensation insurance to cover all staff. Workplace injuries must be reported to your employers at the time of the injury and it is also important to attend a doctor’s appointment to have the injury investigated and documented. A workplace injury can be life changing so it is very important to discuss what you options are when in this position. Workplace dangers can be avoided but in most circumstances not all risks are obvious and can be over looked, therefore, it is just as much an employee’s responsibility as it is the employers to ensure you work in a safe hazard free environment.

    WorkCover pay Wages until you return to Work

    WorkCover are put in place to assist the injured worker to rehabilitate and get back into the workforce. This means that WorkCover can pay your wages while you require time off work to recover, paying for approved medical expenses to assist with rehabilitation and also providing you with a suitable return to work plan to build you back up to a normal working life.

    In some cases a workplace injury can be more severe, on going and even be found permanent. In this case it is best to speak to a specialist personal injury lawyer as there are further options for these types of circumstances. For these types of claims there can be STRICT LIMITATION PERIODS so call us as soon as possible so that you can protect your rights!

    Types of Workers Compensation Claims

    Workplace Physical Claim

    These can be anything from repetitive strain, ergonomic related injuries, industrial accidents, faulty equipment, heavy lifting, fatalities at work, etc. After an injury is sustained you need to advise your employer and consult your doctor as soon as possible and have your injuries investigated. Investigations maybe some sort of scan to diagnose your injury so you can then be treated for the injury. Your doctor will need to provide you with a ‘Workers Compensation Medical Certificate’ before you can lodge the Application for Compensation claim form. You will then receive a claim number from WorkCover and they will proceed to investigate the circumstances of the injury. Once investigations are complete WorkCover will accept or decline your application. Upon acceptance WorkCover will then pay wages and arrange suitable medical treatment to assist with rehabilitation. If WorkCover reject your claim, then contact us for more information to find out how to have this decision over turned. Once WorkCover find a worker ‘Stable and Stationary’ they will look at closing your claim and expect you to return to work. It is important to seek legal advice before this stage so you understand where to go from here.

    Permanent Impairment

    WorkCover will request an independent doctor to provide a permanent impairment assessment before closing your case. This assessment can provide you with a ‘Notice of Assessment’. This notice will enclose a break down in percentage form your Work related impairment and there may be a ‘lump sum offer’ included with this. Once you have received a Notice of Assessment you MUST NOT SIGN this document. You need to consult a specialist personal injury lawyer about proceeding with a Common Law Claim. If you do sign this document then you will sign away your rights for compensation which you will need in the future for your injury and which is compensation that you deserve.

    Common Law Claims

    A Common Law Claim is the most important part of the claims process when being severely injured. This is why we say DO NOT SIGN anything before discussing your rights and options with our specialist personal injury lawyers. When WorkCover makes a lump sum offer, this offer is binding and does not take into consideration any other expenses that you will incur due to your workplace injury. A Common Law claim looks at other damages factors such as, past and future economic loss, out of pocket expenses, future medical expenses and of course pain and suffering. When you factor all these extras in, the lump sum offer provided by WorkCover just won’t cut it for you and your family in the coming years. Again to pursue this claim STRICT LIMITATION PERIODS apply and differ state to state so contact us so we can provide you with the advice to help you understand the legal system!



    Car Accident Lawyer NYC FREE ADVICE New York Personal Injury Attorney NY, accident and injury claims.#Accident #and #injury #claims


    NYC Car Accident Lawyer New York Personal Injury Attorney – What Is My Case Worth? Free Advice

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    Accident and injury claims

    New York Personal Injury Lawyers

    Do I Have A Case?

    Call (718) 233-3913 For ADVICE FREE, 24/7.

    If you ve lost someone in a fatal wrongful death accident, the attorneys at our firm will compassionately take care of your legal needs while you grieve. We represents personal injury claims for clients in New York. We go after the at-fault responsible parties insurance company. Speak to an attorney now for free advice: 718-233-3913. Pay nothing, unless we WIN your case.

    1. Obtain the police report
    2. Start the rehabilitation process, let us do the rest.
    3. Speak to no one.
    4. If anyone calls to discuss the accident, tell them these three words, SPEAK TO MY LAWYER .

    Never give recorded statements to an insurance company; consult with an attorney first. Insurance adjusters will use unscrupulous tactics to avoid paying an injury claim. They pressure no-fault-drivers into excepting little to no money for their injuries. Admit NO Guilt! Say NO to Personal Injury Settlement Releases

    Claims Wins W/ Recovery

    Please note claims filed may take 1 -3 years depending on the insurance companies reluctance to pay. That s where our personal injury law firm comes in — WE FIGHT FOR YOUR RIGHTS! As your advocate, your best interest is ours — when you win, we win.

    $4 Million Verdict Single Car Rollover Read more

    New York Personal Injury Lawyers

    Accident and injury claims

    NEW YORK CAR ACCIDENT LAWYER | NEW YORK PERSONAL INJURY ATTORNEY | 24 HOUR FREE ADVICE

    Accident and injury claims



    PIP (Personal Injury Protection) Claims After a Car Accident, accident and injury claims.#Accident #and #injury #claims


    PIP (Personal Injury Protection) Claims After a Car Accident

    Personal Injury Protection (PIP) coverage and PIP claims have to do with “no fault” car insurance. No fault insurance exists in about a dozen states (District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah) and means that your own automobile insurer will pay some or all of your medical bills and lost earnings if you get into a car accident, regardless of who was at fault for the accident.

    State legislatures enacted no fault car insurance as a way to try to streamline car accident insurance claims, especially smaller claims. Every state’s law is different. In some “no fault” states, there is a limit to what benefits your own automobile insurance company will pay you; in others, there is no limit.

    What is a PIP Claim?

    A PIP claim is the claim that you make against your own insurer for payment of medical bills and lost earnings. Your insurer will pay your medical bills and will reimburse you for some or all of your lost earnings up to the amount of your claim — or up to your state’s no fault limit, whichever is lower. Some states have a two part medical bill limit. In those states, if the injured person has health insurance, the PIP insurer might only have to pay a small amount of the injured person’s medical bills, and the health insurer will pay the remainder.

    Either way, once your medical bills exceed your state’s no fault limit, you are responsible for paying them. If you have health insurance, your health insurer will pay your medical bills from that point on. If you are on Medicare or a state run health insurance program through Medicaid, those entities will pay the bills. If you do not have health insurance, Medicare, or Medicaid, then you are responsible for working out payment arrangements with your health care providers.

    In most no fault states, you are not permitted to make a claim for car accident injury damages against the negligent driver unless your medical bills reach a certain level or your injury is deemed sufficiently serious. For example, your state’s no fault law might state that you cannot make a claim against the driver at fault unless your medical bills exceed $3,000 or you suffer a broken bone.

    How Does a PIP Claim Work?

    Let’s take an example. Let’s say that you got into a car accident, in which the other driver was at fault, and with the following facts:

    • your state’s PIP limit for medical bills is $2,000 for people with no health insurance, but $8,000 for people with health insurance
    • your state requires PIP insurers to pay up to $5,000 of lost earnings
    • you have health insurance
    • you have $4,000 of medical bills and $1,000 of lost earnings
    • your state requires people injured in a car accident to have $5,000 of medical bills before they can make a claim against or sue the negligent driver.

    In this case, because you have health insurance, you would submit only the first $2,000 of your medical bills to your car insurance company (i.e., your PIP insurer). You would submit the remainder of your medical bills to your health insurance company. Your car insurance company would also pay you $1,000 for your lost earnings. But because you only had $4,000 of medical bills, you did not meet your state’s minimum medical bill requirement for filing a claim against the negligent driver.

    So, you cannot file a claim against (or sue) the driver that hit you, and the only legal remedy that you are entitled to as a result of the car accident is to have your medical bills and lost earnings paid. You cannot claim any pain and suffering and have no legal right to sue the person that hit you.

    Cooperate With Your Insurer in a PIP Claim

    Most states require insured persons to cooperate with their insurance company in PIP claims. That means that the usual rules for dealing with an insurance company in a personal injury case must be disregarded. In most cases, you do not want to give a recorded statement to the defendant’s insurance company. But, in a PIP claim, state law generally requires you to cooperate with your insurer. Your state’s PIP laws may require you to give your insurer a recorded statement and will generally require you to attend a medical examination with a physician selected by the PIP insurer. If you fail to cooperate with your PIP insurer, the company is generally entitled to terminate your PIP benefits.



    Why Car Insurance Rates Go Up After Accidents, car accidents claims.#Car #accidents #claims


    Why Car Insurance Rates Go Up After Accidents

    When you get into an accident, you are subject to an increase in your base car insurance premium. Whether or not you are surcharged will depend upon your state and your insurance company.

    You may find that your rates rise even when you didn’t cause the accident. Let’s take a look at why car insurance rates can increase after an accident.

    The Insurance Company Decides

    When we buy car insurance, we help protect ourselves from the financial risks of suffering an injury or fatality, or of our car being damaged from an accident.

    Insurance companies are risk-averse. When you get into an accident, regardless of fault, you may be viewed as a higher risk. To offset this, the insurance company might elect to impose a surcharge.

    Incurring a rate increase due to an accident and the amount of the increase will vary by insurance company.

    Surcharges and State Law

    Many states have insurance regulations and legislation that prohibit an insurance company from raising your base premium IF:

    Examples of states that limit surcharges are:

    • Massachusetts. The state ONLY allows surcharges for an accident IF:
      • You are more than 50 percent at fault and the claim amount is over $500 (after your deductible).
        • Example: An accident with $800 filed as the claim cannot result in a surcharge if your deductible is $500, because the claim only costs the insurance company $300.
    • New York State. In NYS, insurance companies CANNOT raise your base premium IF:
      • You filed your claim under your comprehensive coverage.
      • The total damage from the crash is under $2,000 and no one was injured or killed.
        • NOTE: If you are in 2 accidents or more — even if the total damage for each was under $2,000 — your auto insurance company can issue you a surcharge.

      Other states have their own laws governing surcharges and rate increases. Check with your car insurance agent to learn more.

      What If I’m Not At Fault?

      While reason says you shouldn’t have to pay for an accident you didn’t cause, in some cases you might still see a surcharge when you weren’t at fault. The scenarios below may help explain why this happens.

      You are driving down a highway and flying debris that falls off a truck speeding past you hits and damages your car.

      Your insurance company may consider it an unavoidable flying object, cover it under your comprehensive coverage, and choose not to issue a surcharge. However, if you ran over the debris and damaged your car, collision coverage will pay for the damages, and this may subject you to a surcharge.

      If the truck driver realizes he caused damage to your car, does the right thing, and pulls over to the side of the road, you can file a claim under his liability insurance and avoid a rate increase.

      You get hit by a driver, only to find out that his insurance is not current.

      Claims filed under your uninsured or underinsured motorist coverage usually results in a surcharge that applies to your premium, even though you did not cause the loss. When your insurance company has to pay you, there’s a high likelihood that they’ll pass some costs down to you by imposing a surcharge.

      Some states mandate that insurance companies can’t give you a surcharge in your first accident with an uninsured driver (when you are not at fault); however, most states do not ban companies from imposing a surcharge after a second at-fault accident within your policy period.

      You are involved in an accident and are deemed not at fault.

      Some car insurance companies will increase your insurance premium regardless of fault. As someone who didn’t cause the accident, this can feel unfair.

      However, some insurance companies have statistically concluded, based on their customers’ driving behavior, that if a driver gets into just one accident they are more likely to get into another accident of equal or greater severity.

      Handling a Rate Increase

      It’s important to know the details of your car insurance policy. When you apply for car insurance, ask which situations will lead to increased rates.

      If you are handed a surcharge, discuss your options with your insurance company. In some cases, you may be able to appeal an at-fault finding and reverse your rate increase. If your surcharge is unavoidable, you may be able to keep your premium low by increasing your deductibles.

      If your premium becomes too high to handle, you can comparison-shop to see if you can find a better rate with another provider as all companies rate drivers differently.



      Facebook is using smartphones to listen to what people say, professor suggests, The Independent, easy claims.#Easy #claims


      Facebook is using smartphones to listen to what people say, professor suggests

      The company says that it does use peoples’ microphones, but only to help them out – and there’s an easy way of turning it off

      • Andrew Griffin
      • @_andrew_griffin
      • Tuesday 31 May 2016 12:08 BST

      The Independent Tech

      Facebook could be listening in on people’s conversations all of the time, an expert has claimed.

      The app might be using people’s phones to gather data on what they are talking about, it has been claimed.

      Facebook says that its app does listen to what’s happening around it, but only as a way of seeing what people are listening to or watching and suggesting that they post about it.

      The feature has been available for a couple of years, but recent warnings from Kelli Burns, mass communication professor at the University of South Florida, have drawn attention to it.

      Professor Burns has said that the tool appears to be using the audio it gathers not simply to help out users, but might be doing so to listen in to discussions and serve them with relevant advertising. She says that to test the feature, she discussed certain topics around the phone and then found that the site appeared to show relevant ads.

      10 facts you didn’t know about Facebook

      10 facts you didn’t know about Facebook

      Around 350 million photos are uploaded to Facebook every day, with the site estimating in September last year that users had so far put up more than 250 billion images. That’s 4,000 photos uploaded every second and around 4 per cent of all photos ever taken, according to a study by Nokia.

      Facebook’s logo is blue because Mark Zuckerberg is red-green colour blind. “Blue is the richest color for me. I can see all of blue,” said Zuckerberg in an interview with the New Yorker. The colour is so popular that Facebook’s campus store even sells nail polish in the exact shade named ‘social butterfly blue’.

      Zuckerberg’s famously low-key wardrobe (either a grey t-shirt or a hoodie) is so that the CEO saves time deciding what to wear each day. However, Zuckerberg is known to dress up when the occasion demands it. For a 2011 event with Barack Obama he showed up in a suit, with the president introducing himself by saying: “I’m Barack Obama and I’m the guy who got Mark to wear a jacket and tie.”

      In July 2006 Zuckerberg turned down a $1 billion offer for the site from Yahoo. He was 22 years old at the time and owned 25 per cent of the company. Zuckerberg reportedly turned it down by saying “I don’t know what I could do with the money. I’d just start another social networking site. I kind of like the one I already have.” He definitely made the right choice: Facebook is now valued at $135 billion.

      A YouGov poll claimed that three-quarter of UK Facebook users’ photos showed someone drinking or inebriated. However, the poll did ask users to estimate the number of boozy snaps themselves, and like all things on Facebook, there might have been an element of exaggeration involved.

      Facebook operates a bounty hunter program – for bugs. Like many other big technology companies Facebook offers cash rewards to security researchers who point out flaws in the site’s code. The minimum payout is $500 and the largest prize to date has been $33,500.

      More than a third of divorce filings in 2011 referenced Facebook, said a survey from UK-based legal firm Divorce Online. The exact figures may be an estimate, but with just under 8 trillion Facebook messages sent in 2013 it’s certain that a substantial body of evidence is to be found on the social network.

      Zuckerberg isn’t much of a Twitter fan. Despite having nearly three hundred thousand followers on the service he’s only tweeted 19 times – once in 2012 and the rest in 2009. Although Facebook dwarfs twitter in terms of active users (1 billion compared with 200 million by some accounts) the micro-blogging site handles breaking news better. Facebook has introduced trending topics and hashtags to counter this.

      Following the financial crisis of 2008 and 2009 Iceland decided to rewrite their constitution using Facebook to solicit suggestions from citizens. Unfortunately, despite this forward thinking approach, the document was killed by politicians in mid-2013 for various (mostly technical) reasons.

      You can browse Facebook upside down. Facebook currently supports more than 70 different languages – including English (Pirate) and English (Upside Down). Check the bottom of the column on the right of your newsfeed and click your current language to change!

      Though Professor Burns said she was not convinced that Facebook is listening in on conversations – it may have been that she was searching for the same things that she chose to discuss around the phone – but she said that it wouldn’t be a surprising move from the site.

      The claim chimes with anecdotal reports online that the site appears to show ads for things that people have mentioned in passing.

      Facebook said that it does listen to audio and collect information from users – but that the two aren’t combined, and that sounds heard around people aren’t used to decide what appears in the app.

      “Facebook does not use microphone audio to inform advertising or News Feed stories in any way,” a spokesperson told The Independent. “Businesses are able to serve relevant ads based on people’s interests and other demographic information, but not through audio collection.”

      At the moment, the feature is only available in the US.

      When it was first introduced, in 2014, Facebook responded to controversy by arguing that the phone isn’t “always listening” and that it never stores the “raw audio” when it is listening.

      Facebook says explicitly on its help pages that it doesn’t record conversations, but that it does use the audio to identify what is happening around the phone. The site promotes the feature as an easy way of identifying what you are listening to or watching, to make it easier and quicker to post about whatever’s going on.

      Easy claims

      Facebook profile photos reveal people’s personalities

      If people want to use the feature that way, then they can start writing a post in the normal way. If it’s turned on, then it will start identifying what is being listened to or watching – at which point a little face with some soundwaves next to it will appear.

      If it identifies the sound successfully, then it will show a little “1” next to the face instead – users can then click that, select the thing they are watching or listening to, and then write the rest of the update.

      “If your phone’s microphone has trouble matching what you’re listening to or watching, the room you’re in may be loud or a commercial may be on,” according to Facebook’s help page. “If this happens, tap, drag and release your screen to try a new match.”

      Turning off the microphone in a phone’s settings is relatively easy, and since it can be done at the level of the operating system, doing so will mean that Facebook can’t turn it on even if it wanted to. It’s done on an iPhone by heading to the app’s settings, clicking through to privacy and switching the slider for microphone; on Android phones, head to settings and then privacy, and change the permissions that the Facebook app is given.



      The Truth About Low Speed Auto Accidents, Orange County CA Car Accident, car accidents claims.#Car #accidents #claims


      The Truth About Low Speed Auto Accidents

      Dr Barry L Marks

      Chiropractor, Car Accident Specialist in Orange County, CA

      Car accidents claimsLow Speed Auto Accidents

      Thousands of car accidents occur everyday. And every day thousands are injured. Researchers note that the majority of auto accident injury claims occur at relatively low speeds of about 12 mph or less.

      This causes tremendous disputes between injured parties and the insurance companies that are responsible for compensating them for their car accident claim. To insurers, there really is no speed at which they want to admit an injury could occur. For economic reasons they try to dismiss whiplash or car accident injuries entirely, as if they don t exist.

      Thanks to recent irrefutable research studies proving the existence and exact mechanism of whiplash car injuries, insurers are hard pressed to try the whiplash is a hoax defense nearly as much as in the past.

      A more recent tactic is to claim the speed of the collision is too low to cause injury. Enter the low speed collision or slow speed collision defense. The defense often relies on their insured s reports of how fast they were going when they ran into the back of the other party-obviously biased data.

      Other times photographs of the vehicle damage is used to show a low speed car accident. Often, the photographs are shown to an Accident Reconstructionist who by merely looking at photographic damage of a car crash then renders an opinion on how fast the vehicles were traveling. They will even go so far to make statements such as the evidence suggests there was insufficient force to cause human bodily injury This would be laughable if it didn t cause so many problems for injured car accident victims. By the way, in most states Auto Crash Reconstructionists are only allowed to testify or ender an expert opinion as to vehicle damage. They are not trained to determine bodily injury.

      Here are but a few facts concerning motor vehicle injuries and their relationship to speed with supporting scientific evidence.

      Three different studies (Panjabi, Panjabi and Cholewicki and Kaneoka) proved the mechanism by which the neck is injured by a rear impact force simulating a car accident. [1], [2], [3] The studies involved simulating a rear impact collision on live human test subjects and recording the results with cineradiography (high speed motion x-rays). The researchers found that the neck was injured by deforming into an S- shaped configuration within fractions of a second of the impact before the occupant is aware of the impact and before reflexes can protect them. All three of these studies found that this physical event occurred at speeds as low as 2.5 mph. In other words, when they simulated car crashes sufficient to cause the head to move in relationship to the body at a rate of 2.5 mph, injuries were recorded.

      The radiographically proven human threshold for injury in a rear impact auto accident therefore is 2.5 mph. Other authors have disputed these figures and some insurance company sponsored studies have found the threshold to be closer to 5 mph.

      For the sake of argument, let s stipulate that the 5 mph threshold is correct. It still means that a collision of only 5 mph can cause damage to the neck.

      Freeman et. al. in Spine, Vol. 23, Number 9, 1998, p. 1046 shows the damage thresholds for many cars. This is the minimum speed required to cause the car to show visible signs of damage. The smallest, lightest vehicle listed was the 1980 Toyota Tercel, which required a collision of 8.1 mph to become damaged. On the other end of the spectrum was the 1989 Chevrolet Citation, which required 12.7 mph. A Ford F-250 pick up required 11.7 mph.

      Cars built today are equipped with rear bumpers designed not to show any damage below 5 mph. In an attempt to reduce repair costs shouldered by insurance companies, crash standards were adopted to mandate rear bumpers must withstand a 5 mph collision into a fixed barrier (wall, pole, etc) without any visible evidence of damage. It should be noted that this standard involves testing of vehicle to barrier crashes not vehicle to vehicle testing.

      Hitting a pole as in vehicle to barrier testing yields more damage at lower speeds. The barrier does not move or absorb any energy.

      In vehicle to vehicle crashes where the bumpers line up well, it takes considerably more force to cause visible bumper damage than a 5 mph collision. Some tests have shown that cars could be crashed repeatedly at 20 mph and not show outer damage. In a vehicle to vehicle crash it is estimated that the minimum speed to cause visible damage is approximately 15 mph.

      What happens to the occupant in these collisions is what matters. If you are backing up in a parking lot and run into a pole at 6 mph. You will feel a crunch and a bump. You ll be startled and upset about your bumper, but it is unlikley you ll be injured.

      On the other hand, if you are stopped in a parking lot waiting for a space and another vehicle strikes you at 12 mph (the average speed of a car in a parking lot) you will likely feel a tremendous jolt, hear a loud bang and your car will be pushed forward a few feet. It is probable that your neck will be injured, although it may not show up for hours or days, but your bumper may not even show a dent.

      In the first scenario all the energy of the crash was absorbed by the bumper. In the second, some of the energy was bled off into the two vehicles, but much of it was transmitted into your body causing your neck to deform into the S configuration resulting in injury.

      Another consideration is that while a bumper may look undamaged from the outside after a collision, inside under the skin, the foam or plastic may be crushed or cracked. This is not seen from the outside, so photographs would make it appear as if no damage was sustained. Still further, the bumper may appear intact, but on unibody vehicles, the unibody may be bent or deformed by a collision. This may not be apparent and some auto repair facilities may miss it.

      So what does this mean? It means that if you are rear-ended and your bumper is cracked, dented, or misplaced at all, your collision involved speeds in excess of 15 mph. That s 3 times the human threshold for injury if we use the 5 mph figure. In reality, the proven threshold is only 2.5 mph, so a collision of 15 mph is 6 times the threshold for injury.

      Now let s say your vehicle sustained no visible damage, but your neck hurts after the collision. Does that mean you weren t really injured? No. It means that the vehicle s threshold for damage was not exceeded. The impact could have been 10 mph. Too low for bumper damage, but still 4 times the threshold for human injury.

      In a low speed collision, the kinetic forces that are transferred from the other vehicle into your vehicle are not dampened or bled off by your bumper. Instead, the force is transmitted through the vehicle, into your seat and to your neck resulting in injury. If your body or neck are jolted or jerked by the impact, an injury could occur.

      Another aspect to consider is if your vehicle is moved forward by the impact. An average car weighs close to 4,000 lbs. Let s say you are hit from behind and your car is pushed forward a few feet, but shows no signs of bumper damage. Is it possible to be hurt? Yes, of course. The force required to move a stationary 4,000 lb object is tremendous. Can you walk up to a car sitting at a red light with its brakes on and shove it forward even an inch? Not likely. A collision that is strong enough to propel a car forward by even inches is plenty enough force to cause a whiplash injury.

      So, as you have now learned, there really shouldn t be any dispute on whether a low speed car accident collision can cause injuries. It has been scientifically proven by several studies. It is also a fact that the speed required to cause bodily injury is quite low, a scant 2.5 mph. It has also been shown that any accident that causes damage to the rear bumper is likely to cause injuries and even in accidents where there is no outward physical damage to the vehicle, there may still be sufficient forces involved to cause bodily injuries.

      Dr. Marks is a car accident injury specialist in practice since 1986. He is a former Associate Clinical Professor at a leading Chiropractic College and has advanced post-doctorate training in whiplash, car accident reconstruction, brain trauma and orthopedics. He is the Medical Director of Orange Spine Disc Rehabilitation Center in Orange County, CA where he specializes in back pain and neck pain from car accidents. His opinion is often sought by other doctors, attorneys and insurance companies. You may contact Dr. Marks office at (714) 938-0575 for a Free Car Accident Severity consultation. Or order his Free Car Accident report.

      Panjabi MM, Grauer JN (1997): Whiplash produces a S-shape curvature of the neck with hyperextension at lower levels. Spine 22 (21): 2489-94.

      Panjabi MM, Cholewicki J, Nibu K, Grauer JN, Babat LB, Dvorak J, Bar HF (1998-12-01): [Biomechanics of whiplash injury]. Orthopade 1998 Dec; 27(12): 813-9.

      Koji Kaneoka, Koshiro Ono, Satoshi Inami and Koichiro Hayashi (99-04-15). Motion analysis of cervical vertebrae during whiplash loading. Spine 24(8): 763-770

      Characteristics of Specific Automobile Bumpers in Low Velocity Impacts, SAE 940916



      Tampa Bay personal injury lawyer, Tampa auto accident attorney, Construction Injury Lawyers #tampa #personal #injury #lawyer, #tampa #auto #accident #attorney, #property #insurance, #injury #law, #sinkholes, #hurricane #claims, #personal #injury, #insurance #claims


      #

      Do you need a Tampa Bay personal injury lawyer or a Tampa auto accident attorney. Has your insurance company delayed or denied your legitimate claim? Has your insurance company failed to pay the full value of your claim? Was your boat damaged by a severe storm or even a hurricane? Has your insurance company refused to reimburse you for your losses? At Marshall Thomas, P.L. we can help. We have successfully represented clients throughout Florida and the Tampa Bay area in particular, including Tampa, St. Petersburg, Clearwater, Lakeland, Bradenton and Sarasota. Whether you live in Hillsborough County, Pinellas County or Pasco County, we can help. We help clients in Polk County, Hernando County, Manatee County and Sarasota County.

      New Florida Sinkhole Laws
      and Legislative Update

      Do you need a Florida attorney who focuses on insurance claims and litigation. Marshall Thomas Thomas, PLLC’s skilled sinkhole lawyers and personal injury attorneys can help. Insurance disputes take many forms, including personal injury due to an auto accident, motorcycle accidents, wrongful death or negligence. Over the past few years here in Florida, home owners, boat owners, renters and business owners have all been hit hard with severe storm and hurricane damage. Many people need help with hurricane claims when their insurance company decides not to pay or does not pay enough to cover losses. At Marshall Thomas Thomas, PLLC, we also practice property insurance and construction law. We have successfully represented clients in cases involving toxic mold, fire damage, flood damage, including flood insurance claims.

      Marshall Thomas Thomas, PLLC. is a premiere Tampa Bay law firm dedicated to quality, personalized representation of individuals and businesses, never insurance companies. At Marshall Thomas, P.L. honesty and integrity are first and foremost in our practice. As a plaintiffs-only law firm, we concentrate our practice in sinkhole litigation. property insurance. construction and personal injury law in Tampa Bay and the state of Florida. We pride ourselves on being a well respected and client-focused law firm. We strive to accommodate the individual needs of our clients and will work to ensure your complete satisfaction. To learn more about how the Marshall Thomas, P.L. law firm can help you, contact us today for a free consultation .



      Third Party Car Insurance Claims #third #party, #insurance, #claims, #car #insurance, #auto, #car


      #

      Third Party Car Insurance Claims

      What Is a Third Party Claim?

      Any time you file a car insurance claim against someone else’s insurance policy. you are filing a third party claim.

      When would that happen? Here are a few examples:

      • You were a passenger in a car when it was involved in an accident,and you were injured.
        • You would file a third party claim against the driver’s car insurance company for payment of your medical bills and other damages.
      • You were the driver judged NOT at fault for an auto accident in a state without no-fault insurance.
        • You would file a third party claim against the other driver’s insurance company to recover damages.
      • You were driving a company vehicle that was involved in an auto accident and were injured.
        • Your claim against the company’s insurance company is a third party insurance claim.
      • You were driving your own car on work-related business and were injured in an accident.
        • In this case, you may be able to recover expenses from your employer’s insurance company with a third party claim.

      In other words, any time you file an auto insurance claim in a situation where you are not the policyholder, you are filing a third-party claim.

      Liability insurance. which pays for damages you cause to another, is required for the sole purpose of paying damages to a third party. Without it, you’d be left paying for those damages out of pocket, unless you live in a no-fault state (see below).

      No-Fault vs. Tort States

      No-Fault Insurance States

      These types of claims are less common in states with no-fault auto insurance laws. where the laws typically require that you file a claim with your own insurer first. In this case, you’d file a claim through your personal injury protection (PIP insurance) coverage, which will pay for your injuries regardless of fault.

      In most no-fault states, however, the law allows you to file a claim against the other driver’s insurance company if your claim reaches the state’s “serious injury” threshold.

      Tort States

      In states that don’t have no-fault insurance laws. like Arizona and Texas, you don’t have to meet any threshold for filing a third party claim. You can file your claim with the other driver’s liability insurance company if the other driver was at fault.

      If there is a question about who is at fault, or if the injuries and damages are significant, the investigation of the accident may be lengthier. In some cases, you may have to go through courts for a settlement.

      How to File a Third Party Claim

      • Gather important information at the accident scene, if you’re able to do so.
      • File an accident report with the registry of motor vehicles, if it’s required.
      • Notify the other driver’s insurance company as soon as possible.
      • Cooperate with the insurance company’s investigation .
      • If your injuries are extensive or fault is in question, consider talking to a personal injury lawyer .
      • Submit your bills and proof of expenses to the insurance company as they direct.
      • Once you’ve filed a claim and the investigation is complete, you insurance company will approve or deny the claim. If the claim is approved, you’ll be compensated.

      3 rd Party Claims and Subrogation: What You Need to Know

      In some cases, your insurance company may pay out a claim on your behalf – by paying your doctor’s bills, for example – in a situation where another party is at fault or should be held responsible.

      In that situation, your insurance company may employ subrogation to recover the money it has paid out.

      For example, say you were rear-ended by another driver and, in lieu of waiting for the other driver’s car insurance provider to investigate the claim, you submit the claim through your insurance. Your insurance company would pay the claim but then seek to recover damages from the other party, since you were not at fault.

      If you had to pay a deductible, your insurance company may be able to recover that as well.

      Speak with your insurance provider regarding any questions about third-party claims and subrogation if you plan to file a claim with your own company.



      Personal Injury Law #personal #injury #law, #personal #injury #law, #negligent #law, #negligence #law, #accident #law, #accident #claims, #personal #injury #claims


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      Personal Injury Law

      Locate a Local Personal Injury Lawyer

      What Is a Personal Injury?

      Personal injury means injury to the body or mind basically an injury to a person, as opposed to an injury to property. A civil action for damages can be brought against the individuals, such as security guards or drivers, or entities, such as manufacturers or stores, that caused the injury.

      There are three major categories of personal injury suits:

      • Suits for intentional harm. such as battery, assault, or false imprisonment.
      • Negligence suits. where the harm was the result of another person s carelessness.
      • Defamation suits. where the harm was to the injured party s reputation.

      Common Personal Injury Matters

      Common personal injury claims include:

      • Automobile Accidents. rear endings, fender benders, failure to yield, drunk drivers, car crashes, etc.
      • Product Liability. defective or dangerous products that cause injuries
      • Slip and Falls / Premises Liability. injuries occurring on the property of another person or business
      • Medical Malpractice. patient injured by a health care provider
      • Construction Accidents. employee or worker injured on a construction site
      • Dog Bites and Animal Attacks

      What Is Your Personal Injury Case Worth?

      Typically, personal injury plaintiffs are awarded compensatory damages a monetary award intended to put the plaintiff back in the position he was in prior to the injury. There are two types of compensatory damages: general and specific.

      1) General damages

      General damages compensate for the injury itself, the most commonly known type is pain and suffering damages. Other types of general damages are awarded for ongoing disability, or disfigurement. The amount of general damages will depend on:

      • Severity of the injuries
      • Pain and suffering
      • Your future medical prognosis
      • Any pre-existing injuries

      2) Specific damages

      Specific damages, also called special damages compensate for measurable monetary loss resulting from the injury. Specific damages cover both past and future lost wages, medical bills, and other consequential costs. The amount will depend on:

      • Amount of medical bills
      • How the injuries have affected your ability to work
      • How the injuries have affected your lifestyle

      3) Punitive Damages

      Another type of award that may be granted in a personal injury case is punitive damages. While the goal of awarding compensatory damages is to make the plaintiff whole again, punitive damages are intended to punish the defendant for willful, wanton, or malicious conduct. As such, punitive damages are typically only awarded in personal injury suits resulting from intentional harm (see above).

      How to Help Your Personal Injury Claim

      You can help your personal injury claim if you:

      • Document the facts of your injury
      • Collect physical evidence and take photos
      • Keep all your medical records and receipts
      • Locate witnesses

      Personal Injury Time Limits

      Most types of legal claims, including personal injury claims, are subject to a statute of limitations a deadline for filing a suit. In the case of personal injury suits, the statute of limitations begins running from the time of the injury.

      Statute of limitations periods vary by state, so be sure to consult a local attorney if you are unsure of the statute of limitations in your area.

      Do You Need an Experienced Personal Injury Attorney?

      If you or a loved one have been injured, you should speak to an experienced personal injury attorney immediately to learn more about preserving your rights and remedies.

      Link to this page



      Cerner Practice Management #cerner, #medical, #billing, #practice, #services, #emr, #ehr, #physician, #companies, #billingparadise, #insurance, #payments, #collections, #claims


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      Cerner EHR Billing Services

      BillingParadise the paradise of EMR medical billing:

      BillingParadise is a renowned leader in providing Medical Billing Services. BillingParadise stays ahead of its competitors through efficient usage of technology.

      It s time that health care industry has coagulated with Information technology to ease out the stress caused on physicians for their medical documentation, coding and billing procedures.

      BillingParadise with the right blend of Information technology and workforce can ease out all the pressures on your medical billing service even with your existing EMR applications.

      BillingParadise together with Cerner:

      Billingparadise provides puts in a store of billing solutions in the form of Practice Management and Revenue Optimization through Cerner. Serving as the most prominent IT experts, BillingParadise offers tailored solutions for all your needs. Our practice management solutions assist you in diminishing the mistakes that might occur during the registration and charge entry process.

      We have efficient claims submission process that helps you not to miss any claim filing and reduce the denial percentage.

      Talk to an Expert Now

      BillingParadise s medical billing and Cerner:

      BillingParadise has got in the apt workforce to utilize Cerner to its best to the benefit of the user. This can boost up your revenue pour outs and assist you in achieving the most favorable results for the practice in terms of cash flow as well as productivity. Financial management plays a vital role in any office s stability; impediments in this can ultimately lead the practice to a situation that is difficult to recover. BillingParadise together with Cerner can take your practice to its next level by leveraging your financial pressures and converting the same as your possession.

      Demonstrated technology from an established experts:

      BillingParadise is an established player in the market and Cerner is a demonstrated technology. The duo can serve the health care organizations in getting the best ever financial stability. At BillingParadise we have a customer support team that works 24*7*365 days.

      All our services are HIPAA compliant It s all the more vital for medical billing service providers to utilize technology to its best to get attain the type of outcome the clients expect. With no correct mix of workforce and technology quality Medical billing process will alike a far off Milky Way for both the service provider as well as the client.

      Spot Your Revenue Leaks!

      Get a comprehensive report of your practice’s financial performance



      Universal Insurance Agency #universal #insurance #company #claims


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      Meet Our Team

      Diana Giron

      Broker/Owner

      President- Broker / Owner. Diana Giron. a respected industry professional for 25+ years.

      Prior to opening Universal Insurance Agency in 2003, Giron worked for two of the number one insurance companies in Florida.
      This experience led her to often ask the question, “How is it possible for one company with the same product to properly benefit and protect
      the insurance needs of so many people?” After witnessing the many changes that the insurance industry faced during the 1980s and 90s, she realized that
      it was impossible for one company to be the “panacea” to all, and decided to open Universal Insurance Agency, where she could properly serve her clients’
      needs both from a coverage standpoint and financially. Today, she has grown that business into a successful agency that has become the One-Stop Insurance
      Agency for thousands of Florida residents. To get a free quote or request a review of your current policies, give us a call today at 407-898-1116.
      It will be our pleasure to assist you.

      WELCOME TO UNIVERSAL INSURANCE AGENCY

      Universal Insurance Agency . your One-Stop Insurance Specialist is backed by the power of over 75 strategically placed companies. We are able to offer you the best coverage which is tailored to your individual or business needs. Our goal is to grow with you and your family or business’ especially as your needs change. We want you to know you are always taken care of and that we are prepared for the unexpected. Each company within our portfolio has been carefully researched and hand-selected by Broker/Owner, Diana Giron, who is a 25+ year respected industry professional. Diana and her team of insurance experts are committed to being your, One-Stop Insurance Specialist for both individual and business insurance. We work diligently to find the best possible rates with the best possible coverage available for your Home, Auto, or Business. Our goal is to ensure that all of your assets are properly protected! Each of our A Rated Companies have been carefully screened and selected for their reputation and ability to pay claims when they occur, but also for providing the best coverage and value for the money spent. If you’re looking for great customer service, quality products, and the best insurance rates in Central Florida including the entire state of Florida, look no further! Let us be your number choice. Call us today for a free quote! (4078981116)

      Our most requested Coverages:

      Homeowners Insurance, Auto insurance, Condo Insurance, Flood Insurance, Commercial Insurance, Commercial Vehicles Business Office Insurance, Cyber Security Insurance. Workers Comp All types of Bonds and more Our clients range from

      • Homeowners
      • Medical Offices
      • Strip Malls
      • Restaurants
      • Law Firms
      • Churches
      • Real Estate Offices
      • Shopping Centers
      • Various Large Corporations and Small Businesses

      If you’re looking for great customer service, and quality products, and the best insurance rates in Orlando and the entire state of Florida, look no further. Let us be your number one insurance choice with over 75 quality products under one roof. Call us today for a free quote!

      Insurance Quotes:



      Car Accidents #car #accident #oklahoma, #auto #accidents #| #claims #| #fault #| #lawyers #| #freeadvice.com


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      Car Accidents

      Car accidents are a fact of life. Nationwide, more than 4 people every minute are injured in motor vehicle crashes. Most accidents are minor and most drivers are insured, but if Murphy’s Law prevails, a car accident can turn into a complicated mess. Was the other driver uninsured or underinsured? Were there multiple cars involved in the accident? Is there disagreement about who was at fault? Is the insurance company denying coverage or compensation for medical bills, lost wages, property damage and/or pain and suffering? In this section, you will find information on auto accident laws, how to determine fault, how to deal with car insurance companies, and when to contact a car accident attorney to represent you.

      LITIGATION Court Says It’s OK to be Offensive on a Movie Set

      LITIGATION Twitter Protects Anonymity of Government Critics

      INTELLECTUAL PROPERTY Sons Fight over Audrey Hepburn’s Gowns and Image

      Not what you need? find your legal advice

      FreeAdvice.com

      Company

      Law Advice

      FreeAdvice® has been providing millions of consumers with outstanding advice, free, since 1995. While not a substitute for personal advice from a licensed professional, it is available AS IS, subject to our Disclaimer and Terms Conditions Of Use. Privacy Policy

      Use for marketing or solicitation is prohibited. AttorneyPages ®, ExpertPages ® and FreeAdvice ® are trademarks and units of Advice Company or its affiliate AdviceCo Ventures Company.



      Third Party Car Insurance Claims #third #party, #insurance, #claims, #car #insurance, #auto, #car


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      Third Party Car Insurance Claims

      What Is a Third Party Claim?

      Any time you file a car insurance claim against someone else’s insurance policy. you are filing a third party claim.

      When would that happen? Here are a few examples:

      • You were a passenger in a car when it was involved in an accident,and you were injured.
        • You would file a third party claim against the driver’s car insurance company for payment of your medical bills and other damages.
      • You were the driver judged NOT at fault for an auto accident in a state without no-fault insurance.
        • You would file a third party claim against the other driver’s insurance company to recover damages.
      • You were driving a company vehicle that was involved in an auto accident and were injured.
        • Your claim against the company’s insurance company is a third party insurance claim.
      • You were driving your own car on work-related business and were injured in an accident.
        • In this case, you may be able to recover expenses from your employer’s insurance company with a third party claim.

      In other words, any time you file an auto insurance claim in a situation where you are not the policyholder, you are filing a third-party claim.

      Liability insurance. which pays for damages you cause to another, is required for the sole purpose of paying damages to a third party. Without it, you’d be left paying for those damages out of pocket, unless you live in a no-fault state (see below).

      No-Fault vs. Tort States

      No-Fault Insurance States

      These types of claims are less common in states with no-fault auto insurance laws. where the laws typically require that you file a claim with your own insurer first. In this case, you’d file a claim through your personal injury protection (PIP insurance) coverage, which will pay for your injuries regardless of fault.

      In most no-fault states, however, the law allows you to file a claim against the other driver’s insurance company if your claim reaches the state’s “serious injury” threshold.

      Tort States

      In states that don’t have no-fault insurance laws. like Arizona and Texas, you don’t have to meet any threshold for filing a third party claim. You can file your claim with the other driver’s liability insurance company if the other driver was at fault.

      If there is a question about who is at fault, or if the injuries and damages are significant, the investigation of the accident may be lengthier. In some cases, you may have to go through courts for a settlement.

      How to File a Third Party Claim

      • Gather important information at the accident scene, if you’re able to do so.
      • File an accident report with the registry of motor vehicles, if it’s required.
      • Notify the other driver’s insurance company as soon as possible.
      • Cooperate with the insurance company’s investigation .
      • If your injuries are extensive or fault is in question, consider talking to a personal injury lawyer .
      • Submit your bills and proof of expenses to the insurance company as they direct.
      • Once you’ve filed a claim and the investigation is complete, you insurance company will approve or deny the claim. If the claim is approved, you’ll be compensated.

      3 rd Party Claims and Subrogation: What You Need to Know

      In some cases, your insurance company may pay out a claim on your behalf – by paying your doctor’s bills, for example – in a situation where another party is at fault or should be held responsible.

      In that situation, your insurance company may employ subrogation to recover the money it has paid out.

      For example, say you were rear-ended by another driver and, in lieu of waiting for the other driver’s car insurance provider to investigate the claim, you submit the claim through your insurance. Your insurance company would pay the claim but then seek to recover damages from the other party, since you were not at fault.

      If you had to pay a deductible, your insurance company may be able to recover that as well.

      Speak with your insurance provider regarding any questions about third-party claims and subrogation if you plan to file a claim with your own company.



      Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


      #

      Uncontested Divorce Program

      Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

      An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

      You can use this program if:

      • You and the person you want to divorce are over 18 years of age,
      • You and the person you want to divorce have no “children” under 21 years of age ,
      • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
      • All marital property issues, including debt, have been settled.

      Information Checklist

      You will need the following information with you when you use this program:

      • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
      • A copy of your marriage certificate.
      • If you have any of the following: Settlement Agreement, Order of Protection, etc.
      • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

      Download and print the checklist of information you will need to complete this program.

      Start

      Note: You will be taken to our partner website called LawHelp Interactive.

      You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

      About DIY Forms

      Who Can Use These Programs?
      You can use DIY Forms if:

      • you’re a court user and you don’t have a lawyer;
      • you’re a legal services provider;
      • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
      • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

      Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

      Computer Requirements
      In order to use DIY Form programs, make sure you have the following:

      Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

      Help Using DIY Forms
      See Frequently Asked Questions for help using DIY Form programs.

      Related Information:



      Auto Insurance Claims – State Farm #auto #insurance #claims,auto #claims,state #farm #auto #claims


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      Here You’ll Learn the Ins and Outs of Auto Insurance Claims

      Accident Outside of Canada?

      If you are a Canadian policyholder who would like to file a claim from outside of Canada, please contact your State Farm agent or call us direct at 855-209-9549 for an auto claim.

      Important Things to Remember

      • Take reasonable steps to protect your vehicle from further damage.
      • Make sure to tell us where your vehicle is located.
      • Review your policy for specific coverage information.
      • Check out our Auto Damage Service Program for more information.

      If Someone Files a Claim Against You

      • Contact your Agent or claims representative; State Farm will conduct an investigation to assess those allegations.
      • Subject to the terms and conditions of your policy, State Farm will pay those claims that you are legally liable to honour.

      If Anyone Is Injured

      • If you or your passengers have applicable medical payments or personal injury coverage, injury-related bills will be paid according to the terms and conditions of your policy.
      • Auto Liability Coverage may protect you if you damage someone else’s property or cause injury to others.

      Settling a Claim

      • We’ll pay to repair, replace, or furnish the agreed upon actual cash value of your property, subject to the terms and conditions of your policy.
      • If applicable, check with your lienholder (if you’ve financed or owe money on a car) about how they handle claim payment; we may be required to protect them as well.
      • Contact your State Farm Agent or claims representative with questions.
      • This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some provinces. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.