Insurance Facts

Whenever someone is injured in a car accident in Georgia that was caused by another person, that persons insurance company will immediately begin working behind the scenes to prepare to defend their client.

And what I see happen many times is the person that was injured makes a huge mistake and attempts to handle their motor vehicle crash in Georgia on their own.  And as part of that process the insurance adjuster will politely ask or even require that the injured person sign a medical release so the adjuster can obtain their personal medical records.

The greater problem with this, and what is not usually deliberated is the legal language of the medical release itself.

It often gives the adjuster the right to look into your medical background and does not restrict them to investigating the car crash only. The adjuster will use this information to seek out other injuries you may have had to the body parts you claim for your accident. Why do they do this?

Well, the obvious reason is it gives them an opportunity to claim that your injury was a pre-existing condition or your condition is the result of an incident that occurred prior to the car crash and was not the direct result of the auto collision. They will in turn adjust their reserves or lower the value of the claim which means you get less money overall.

My recommendation is this – it is important that you not sign or give anything to the insurance companies until you have spoken with legal counsel to find out if it is in your best interest to sign whatever document they are requesting. And a word of warning for those that have been injured in a car accident. Some adjusters have gone so far as to inform the injured person they will not be able to work on your claim unless you authorize the papers they request.

This may or may not be true but if that happens to you, you should contact an attorney immediately to find out your legal rights. An attorney can help you and discover exactly what the insurance company is up to regarding your claim so that your rights are protected and not exploited.

If you are a loved one has been in an auto accident and you need help, do not hesitate to contact me at 770-948-5454 and see if this Atlanta Auto Accident Attorney can be of assistance to you and/or your loved one.

Ty Wilson is a personal injury and car accident attorney in Atlanta that assists those that have been injured in automobile accidents in the Atlanta Metro area.

 

Being unemployed can be a financial downside to say the least. You may be dependant on someone else to cover your daily expenses such as a place to live and food to eat. Affordable medical insurance is something that everyone needs and not enough people have available because of these other financial burdens. Any emergency such as a car accident or broken bone will require adequate medical assistance. What do you do when you don’t have insurance and can’t afford expensive medical bills? If you are unemployed, you need to find medical insurance to prevent this from happening.

Many people could be qualified to stay on their employer’s health insurance plan even after they get laid off.  The law that enables this to happen is COBRA.  This plan would work ideally for someone who is laid off and will be able to secure another job.  It will last up to one year if your qualified, but you will still need to bear the premium cost, however if you are able to afford the cost and are eligible, your spouse and children who are dependants will also be covered by COBRA. If you want to make sure your can qualify and receive medical insurance contact your employer’s insurance company to see what forms are necessary to be completed.

Look around for your insurance needs.  Go online and visit sites that offer medical insurance and see what is offered and what rates are available.  You can also always speak to an insurance medical provider representative to help you find the right policy to fit your budget and needs.  If you have a family with children then securing the right policy is all the more essential.  No one can predict accidents or unexpected events that could happen so having a medical policy in place will provide security for you and your family.  It is to your advantage to have someone assist you in finding the policy you need whether short or long term, they are qualified and dedicating in helping you.

If you find yourself unemployed at any time in your life, you are probably without medical insurance. This can be a nightmare whether you have a family or not because medical expenses can put you into debt quickly. Luckily, there are ways of finding affordable coverage providers that can keep your medical, as well as your finances, safe. A simple doctor visit can cost you significantly more money than it would with insurance. Do not let yourself become one of the many people who are unfortunately living life without proper insurance coverage.