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Minimum Coverage Insurers Play Fast and Loose with the Claims Process

Minimum Coverage Insurers Play Fast and Loose with the Claims Process

Suppose that both drivers involved in your accident are insured. Coverage is generally good news because, in most insured cases, there will be at least some amount of money available to compensate you for your injuries and financial losses once you are successful in bringing your claim. But most drivers with “cut-rate” insurance coverage carry minimum liability amounts. Many of these damage claims fall under the general category of uninsured motorist (UM) and underinsured motorist (UIM). If you carry coverage on your policy to reimburse you for damages when hit by one of these motorists, your insurance company can end up being an opponent because they have many strategies and excuses that can lead to a denial of your rightful claim.Car accident attorneys

Those state-mandated insurance coverage minimums are called “30/60/25.” Each number is in thousands. The 30 is bodily injury per person, the 60 is bodily injury per accident, and the 25 is property damage (the value of the vehicle that was hit). Such policies typically fail to reimburse your family for a wrongful death loss fully. Notice there is no provision for pain and suffering or other survivor damages. Because the money is theoretically available through the negligent driver’s policy doesn’t necessarily mean that you will be able to easily recover it, especially if the negligent driver carries minimum coverage.

Additionally, just because insurance money is theoretically available to compensate you, doesn’t mean that money will be easy to get your hands on. The simple fact when it comes to these firms honoring claims is that few minimum coverage insurance companies pay fully and quickly. Many of them drag their feet when it’s time to pay up. In just about any accident claim or civil case where an insurance company is involved, you will meet opposition. You’ll be up against aggressive adjusters, accident recreation specialists, defense attorneys, and other investigative specialists who all work to make sure that you lose your case: and they keep their money.

Then there’s the 25 percent chance (at least!) that the driver whose negligence caused your wreck was uninsured. Hopefully, you have uninsured motorist coverage on your policy. That doesn’t relieve that driver from compensating you, or that he’ll pay the difference between what his policy covers and your actual damages: the difference coming out of his pocket. It certainly doesn’t necessarily guarantee that your carrier will come through for you, even if you have UM/UIM coverage on your policy.accident attorneys

Aside from the possibility of the other driver being uninsured, that negligent defendant will probably be judged liable for directly paying your damages. So your primary interest is in whether this driver who hit you is solvent. If a defendant is insolvent, it means that he or she does not have enough money to compensate you for your injuries, pain, suffering, and other legal damages. When a defendant is insolvent, there’s little value in pursuing litigation against him, no matter how strong your case is. It is a sad reality that some accident victims are unable to recover compensation from insolvent defendants.

The time after being seriously injured in a car accident is often stressful and confusing to the victims and their families. Don’t add to the stress and confusion by letting an inexperienced attorney handle your case or represent yourself when you are unqualified to look out for your or your family’s best interests. We are uniquely qualified and fully prepared to fight for and win the fairest compensation for your total damage claims. If you or someone you know was injured in a car accident, contact an attorney at our Law Offices today at 1(800) 862-1260 (toll-free) for a free consultation and find out how we can help you.

Electrician – Grounding Information

Electrician – Grounding Information

Making Sure You Find the Best

Just now I spoke with an electrician. He gave me some fine instructions with regard to grounding, and I thought I would share it.

What is Grounding?

Most of all, grounding is a safety system for your dwelling. not only does it guard our abodes but it also ensures your safety. Simply put your electrical system is connected to the earth. All of the metal parts that your electrical system has or can possibly come in contact with are wired in such a way as to pass any electrical current directly into the earth if need be.electrician san antonio

Understanding what a Ground Fault is.

Grounding is a safeguard that kicks in when an electrical problem known as a ground fault pops up. An example of this would be when a damaged wire makes contact with its conductive shroud. This can also happen if you mistakenly attempt to work on your electrical system without first shutting off the power.

No matter the cause of the ground fault, the path of the electricity does not flow through the circuit as normal. When working properly the electricity is fed through the positive wire into a load, such as an appliance, then it returns to the electrical panel via the neutral wire. When a ground fault happens, the current bypasses the load and if wired correctly pass through to the grounding wire. Because the circuit now has a direct path to the ground, it causes what is known as a short or short circuit. This short in turn causes the circuit to use overflowing power, this extra power consumption then results in the breaker inside your electrical panel to trip shutting off the power to the circuit. Because the grounding is so terribly important, the connections that connect your electrical panel to the earth must be made using specific connections. The main grounding wire from your panel is either connected to the earth via a grounding rod or via cold water lines. Depending on your location, other methods such as ground plates are used or the grounding wire is connected to a concrete foundation.

You may consider calling in a professional electrician to look at your home’s grounding system. This would be very important to do if you’re buying a new home. To search for a local electrician in your area use google.com.

This Blog was post by Good Electric – Electrician San Antonio