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FAQ: Should I Contact My Car Insurance Company After an Accident? | Richmond Personal Injury Lawyer

If you’ve been involved in a car accident, some car insurance companies ask that you do report the accident to them regardless if you are at fault or not. Check your policy to see if you are required to contact your car insurance company because if you do not let them know about the accident, it could be grounds for them to drop your coverage.

One of the reasons why you may want to contact your insurance company is if the other driver’s insurance carrier is slow to take action and your car has to be fixed or you require medical care right away. If you have what is called collision insurance, you are covered for any damage to the vehicle caused by another driver hitting your car or if you hit an object such as a tree, pole, or road sign. It doesn’t matter who is at fault, collision insurance will take care of any damages.

If you do suspect that your insurance company may not provide coverage for whatever reason, it may be in your best interest to contact a Virginia personal injury lawyer. There are some companies who will try to blame you for the accident just to avoid paying out your claim even though you know for a fact that the other driver was clearly at fault.

Find out more about what car insurance companies don’t want you to know about your injury claim by requesting our free accident injury book.

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FAQ: Car Accident in Virginia: Not at Fault, But I Have No Insurance

I was in a car accident in Virginia, but I do not have car insurance. I am not at fault, though. Can I still get money for my injury and damages to my car?  

Although you do not carry insurance, it is not considered a “fault” in the state of Virginia.  You can still file an injury or damage claim with the other party’s insurance company. At the time of the accident you should have collected the other driver’s personal information including their insurance information. You can contact the insurance company on your own or hire an experienced Virginia car accident lawyer.

If you go ahead and file the claim yourself, but the other driver’s car insurance company refuses to pay, do not give up. Car insurance companies will often do this. Dealing with them can be a hassle and very time-consuming. We recommend reading our free accident injury book to help you with your case, “Hidden Inside Secrets Big Insurance Companies Don’t Want You to Know About Your Injury Claim“.

We understand that due to financial reasons you may not be able to purchase liability insurance, but you are putting yourself at an even greater financial risk by not carrying insurance. If you are in an auto accident in Virginia and you were at fault, you would have to pay out of pocket for any injury or damages to other parties.   

FYI:  The state of Virginia requires the following minimum car insurance coverage:

  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000

Banning texting while driving doesn’t seem to reduce car accident | Richmond accident lawyer

October 20, 2010 Leave a comment

IIHS news release.

A new study from the Highway Loss Data Institute seems to indicate that laws banning texting while driving seem to have not resulted in fewer crashes. In fact, some indications suggest an increase in accidents.

Researchers speculate that the reason for these findings might be that people are not complying with the new law, and are now looking down to text in their lap.

All the more reason for you to be extra careful while driving and look out for people texting in their lap.

For more information about how to get more money for your Richmond, VA accident case, get the FREE book Hidden Inside Secrets Big Insurance Companies Don’t Want You to Know About Your Injury Claim by calling 804-643-4343.

Why you should read my book | Richmond Auto Accident Lawyer

September 17, 2010 Leave a comment

In these hard economic times, Virginia auto accident injury and malpractice victims are starting to understand that it is stupid to think that insurance companies are going to treat you fairly. Insurance companies love to take advantage of people and pay them as little as possible for their claim. Often they will deny the claim and refuse to pay you anything. They know that the average person has no idea how to handle their own personal injury claim and to them it is like taking candy from a baby.

You need to have good information about how handle your personal injury or malpractice claim. My Free Book will keep the insurance adjuster from taking advantage of you.

  • What the adjuster is trying to do is to minimize the value of your case, regardless of how bad you were injured.
  • They will try to blame the accident on you, which means they don’t have to pay you a penny.
  • They will try to keep you from gaining valuable information about your rights by telling you not to get a lawyer because adjusters know that an experienced lawyer will not put up with their games.
  • They will string you along for as long as they can – so you will not do the things necessary to protect your legal rights.
  • The insurance company would love for you to give them a recorded statement and sign their forms so they can pay you less than you deserve before you even know what your rights are.

Learn the adjusters’ tricks by getting your Free copy of “Hidden Inside Secrets Big Insurance Companies Don’t Want You to Know About Your Injury Claim” written by Richmond Auto Accident Lawyer, Attorney Wayne O’Bryan.

Best and worst insurance companies

July 23, 2010 2 comments

FBIC has compiled a list of what they think are the best and worst insurance companies in America. Topping the list for the worst are:

  1. Hartford
  2. Allstate
  3. State Farm

I highly recommend that if you have one of those companies you try to switch immediately.

FBIC lists the best insurance companies as:

  1. Chubb
  2. Amica
  3. Allianz

You should order the best Richmond Accident Lawyer Book, Hidden Inside Secrets Big Insurance Companies Don’t Want You to Know About Your Injury Claim. It is free to accident victims in Virginia.

Another reason to call a lawyer after your accident | Richmond wreck injury lawyer

April 23, 2010 1 comment

I have a client now who tried to settle a case by herself and waited for over a year to call us. She was trying to deal with Allstate and they were trying to give her a poor settlement.

This poor woman missed a lot of time from her work because of her accident injuries, but she did not keep records of the time she missed. So now that we are getting ready to send a demand package to the insurance company, she is going to miss out on thousands of dollars of lost wages because she has little or no proof of them.

Get your FREE copy of Hidden Inside Secrets Big Insurance Companies Don’t Want You to Know About Your Injury Claim from the best Richmond, VA lawyer website today.

Act Now Before You Wreck Your Case | Richmond VA accident injury lawyer

April 22, 2010 Leave a comment
  • Closure. Getting on with your life and over the hassle. Not being a victim anymore.
  • Evidence may be destroyed or discarded. Now it is available to help you win your case.
  • Witnesses may disappear, die or forget important details.
  • Adjuster may get harmful statements from witnesses.
  • Gaps in medical treatment may hurt case.
  • Insurance companies may close, merge with another company, or may change policy meanings or facts. Now you know who to contact and what you are entitled to recover.
  • Insurance companies may move out of area and try and deny coverage.
  • You may get worn down and not feel up to continue the path to get recovery, thus justice may not be delivered to you and that could mean no money to you.
  • New adjusters may come on to handle your case and want to start all over and waste time.
  • Insurance companies may decide not to pay.
  • The government may change coverage policies on what insurance companies have to pay. Lobbyists pay money out to get votes and rewrite the laws in the insurance company’s favor.