You’ve been hurt in an accident and you know you deserve to receive monetary compensation to pay for your losses, but how do you get what you’re owed?

Dealing with insurance companies is a big part of the personal injury claim process, but it’s not always easy to get an insurer to pay up. You will need to know how to write a demand letter.

What is a demand letter and what should I include?

What is a demand letter, and how do you go about writing one? A demand letter is basically a document where you tell the insurance company why you’re owed compensation, and how much you’re owed.

You will want to point out how their insured harmed you and provide evidence of fault. You will need to include evidence of your injuries and your damages. Listed below are some of the key pieces of information you will want to include in your letter:

  • Crucial information pertaining to the accident or incident that caused your injury
  • Proof that the other party was to blame for the accident
  • Evidence of your injuries and your medical expenses
  • Proof of other damages related to your claim

You will also want to provide a demand for a sum of money that you believe is fair compensation for your losses.

What will the insurance company do after receiving your demand letter?

The insurance company will take your letter and compare it to the information they have concerning the accident. If they believe that your demand is fair, they might agree to your settlement offer.

If they believe that you aren’t asking for an amount they believe to be fair for your injuries and damages, they might counter with a different offer. Keep in mind that dealing with insurance companies is often a process. It could take several months for both parties to go back and forth until you both reach an agreement that is satisfactory.

Is the insurance company always fair in their dealings?

In some cases, it can be difficult to get the insurance company to pay you fairly for your losses. They might try to say that your injuries aren’t as severe as you’re saying they are, for instance. They could also try to place blame for the accident on you, so that they can lower your claim’s value. They know that if you are somewhat to blame, they won’t have to pay you as much in a settlement.

Can a lawyer help me with my demand letter?

A lawyer can be a valuable commodity when dealing with insurance companies. Not only can an attorney assist you in writing a demand letter, they can help you with the entire claims process. Working with a Rockford injury lawyer is often in your best interest when negotiating an insurance settlement.

Your lawyer will take a lot of stress and pressure off you, so that you can focus on recovering from your injuries and still receive the monetary compensation you deserve.

A Safe Year for Cicero Motorists

According to Cicero auto accident statistics, 2013 was one of the safest years for Cicero, IL. There was only one fatal accident. The previous year, there were five fatal accidents. Eight vehicles and seven people were involved in these accidents. That is a high figure considering that Cicero is a suburb of fewer than one hundred thousand residents. More is required in this area to reduce auto accidents.

Despite Some Safe Years in Cicero, Road Crashes Are Still a Concern

Some years have had positive Cicero auto accident statistics. That does not mean that all is well, however. There are still many negligent drivers in this suburb and some roads are in a bad state.

Dangerous roads are a major cause of car accidents in most American cities. Roads without clear markings present a challenge to drivers and potholes are also to a common culprit – both issues are only amplified during inclement weather. Inexperienced drivers in Cicero should avoid driving when there is snow, fog, or heavy rain.

Cicero also has its fair share of negligent drivers and they regularly cause road crashes. Drunk driving is the most serious case of negligence. Local legislature imposing stiffer penalties against intoxicated driving would help act as a deterrence. It is common to see motorists in Cicero using their phones while driving. Distracted driving kills thousands of Americans every year and leaves many others permanently disabled.

Compensation for Car Accidents

The average compensation for minor injuries caused by a car accident ranges from $10,000 to $25,000. For serious injuries, the amount can be as high as $75,000. A severe injury might require surgery, therapy, and ongoing care. Thus, the settlement should consider all these costs.

The highest road crash settlement ever in America was $100 million. Transamerica Leasing, Inc. agreed to give this settlement to a Chicago family where a reverend and his wife narrowly escaped the accident while their six children perished. The cause of the accident was a detached tail light assembly from a Transamerica Leasing truck.

The Bottom-Line

If you are a car accident victim in Cicero, you need the best Cicero car crash lawyer. This attorney will help you to obtain substantial compensation that will pay for all your medical costs and compensate you for lost wages, physical pain, and mental suffering.

After a car accident, it’s easy to feel overwhelmed by struggling to overcome your accident. You’re struggling to get by, and the other driver hasn’t paid for their actions. You must fight back, but you’re thinking about just taking your claim to court or relying on information from the internet.

While it’s possible to get lucky with these tactics, it’s not common. You must prepare for your claim instead, and what better way to prepare than to research the best car accident attorney in South Carolina?

You need the right car accident lawyer for your case on your side, so don’t take any guesses or chances. Make sure you have an attorney you can rely on.

Proving Your Claim is Tough

One of the first steps you must take is to show you were hurt by the other person’s negligence. Unfortunately, it’s not always easy to find the at-fault party and get that compensation. You’ll need help to fight back and get the full compensation you deserve.

That means you’ll need a lawyer with experience, who understands the difficulties of a car crash claim. For example, car accidents happen for many reasons, and those reasons aren’t always the fault of the other driver. You might have lost control of your car because of a defective part, for example, or you might have been hit by someone at work.

Different types of car accident claims will require different evidence, depending on who’s at fault. Make sure you’re seeking out a lawyer who can help you with your unique situation.

Overwhelming Injuries

After your accident, you’re likely struggling to focus on your case anyway. You’ve been seriously injured, and the physical and mental trauma alone is tough to recover from. That makes it much more difficult to deal with the losses you’ve suffered.

As such, you also need a lawyer who understands that. You don’t want to choose a lawyer, only to find that they’re not going to help you as much as you need. You’ll need an attorney who understands how a brain injury or broken bone can slow you down, so they can help you stay on track and on time.

The Defense Will Fight Back

Unfortunately, even if you and your lawyer have evidence of the defense’s negligence, they’ll still have a chance to fight back. They might accuse you of being negligent as well, and that can hurt your claim.

For example, they might claim that, while they were driving drowsy, you were on the phone at the time. You didn’t cause the accident, but your distraction kept you from avoiding the accident, too. That can hurt your claim, reducing it by the amount of fault you’re given. In this case, you might be found ten percent at fault, leaving you with only 90 percent of your compensation.

Because having your compensation reduced will make recovery harder, you must fight back for the compensation you’re owed. Make sure you have a lawyer that will protect your claim and make sure you get the full worth of your claim.

Get Experience on Your Side

It’s an unfortunate truth, but many people take a gamble with their compensation by not researching their lawyer. That can leave them with someone who doesn’t understand their case and their needs. That can leave them without the full compensation they’re owed after their traumatic accident.

That’s why you shouldn’t take chances on your attorney, either. You want to get the full worth of your claim, and you’ll need an experienced lawyer on your side to do that. If you’re not sure whether the lawyer you’re thinking about is right for you, make sure you do your research first. You’ll need to be prepared before your claim begins.

If you’re a biker in Alabama, you’ll need to know all about the state’s motorcycle helmet laws before you can take your bike out on the road. What’s more, bikers are at an increased risk of injury than someone traveling in any other type of vehicle. Having a plan of action in place for what you’ll do if you happen to be involved in a car accident, whether you were wearing your helmet or not, can be of enormous benefit. Read on to learn more about Alabama’s helmet law and what your options are if you’re injured in a crash.

What the Law States

As per Alabama motorcycle helmet laws, anyone who operates or rides on a motorcycle is required to wear protective headgear. But you can’t wear just any old helmet. The helmet needs to be made of material what won’t shatter and has the ability to resist a sudden impact. The outermost shell should be made of hard materials that have shock absorbency around the head.

This will support the cradle of your head and maintain a separation between your head and the outer part of the helmet. Inside of the helmet, the material needs to be thick and impact-resistant so that your head is protected from injury should it come in  contact with the hard materials of the outer shell. Your helmet needs to be made of materials that are proven to be durable and won’t depreciate over time.

In addition to these requirements, your motorcycle helmet needs to have a permanently fixed adjustable chin strap, and this strap must be fastened while you are riding your bike. There is no requirement that your helmet have a visor attached, but if yours does, then you’ll need to make sure that the visor is the snap-on kind, and that it’s fixated no more than ¼ inch above the outermost shell.

Alabama’s helmet law can get complicated or difficult to understand quickly, so you may want to take the time to review it in great detail before you take your bike out for a spin.

You Have Options if You’re Injured in a Wreck

The Helmet Law was put into place to protect bikers from being injured, but unfortunately, even while wearing your helmet, you’re at a greater risk for injury. Thankfully, if you are injured, working with an attorney can enable you to recover compensation for your damages including:

  • Lost wages
  • Pain and suffering
  • Property damages
  • Loss of enjoyment of life
  • Medical expenses
  • Mental anguish
  • Scarring or disfigurement

If you’ve been injured in a wreck, and have chosen to move forward with a motorcycle accident claim, you can expect the defense to look into whether or not you were wearing your helmet as required by law. They’ll be looking into the type of helmet you had as well to see if it met the requirements.

Should it not meet the requirements, they may attempt to maximize on pure contributory negligence laws to get out of paying you what you deserve. The assistance of a highly trained attorney could be your best chance at fighting back if this is the situation you find yourself in.

Consult with an Alabama Motorcycle Accident Lawyer

When you’ve been injured in a bike crash and aren’t sure what your next steps should be, get in touch with an experienced AL motorcycle accident attorney who will be well versed in Alabama’s helmet laws so that the defense can’t get away with taking advantage of you in your time of need.

As a biker, you probably know that there is a much higher chance of you suffering a serious injury if you are involved in a motor vehicle collision. Despite the risk, on a beautiful day, you’ll likely want to take your motorcycle out for a spin.

With this in mind, we’ve compiled a few of the roads you should avoid when you’re riding your bike in Massachusetts, and reviewed what you can do if you suffer an injury on any road across the state. Continue reading to learn more about what the most dangerous roads for motorcyclists are in MA.

Don’t Ride Your Bike on These MA Roads

Some of the most risky roads for motorcyclists in MA are the ones that have sharp turns, few straightaways, and those that are heavily populated. For example, as a biker, you’ll want to avoid the Southeast Expressway, on I-93 Northbound in Boston.

This road is always full of heavy traffic going into Boston. It can be tempting, as the roads are straight and gravel free, but other drivers aren’t known for giving motorcyclists the following room they really require anywhere they’re riding, so it’s best to avoid this road at all times.

As you move across the state into western MA, you’ll want to do everything you can to avoid the East Longmeadow rotary. Featured in the Guiness Book of World Records as being the country’s most dangerous rotary, with over 7 lanes going into and out of the rotary, the traffic in this area is insane. As a biker, we highly recommend taking the winding back roads to your destination when you’re in western Ma.

Finally, as you head into the Berkshires area, you must stay clear of Route 2 as you go from Shelburne Falls to Williamston. The scenery will take your breath away, but if you’re involved in an accident, one of these sharp turns will too.

Now that you have an idea of what roads should be avoided, let’s go into more detail about what you should if you’ve been injured on any of these roads, or really anywhere across the state.

What to Do If You’re Injured in A Motorcycle Accident

Whether your injuries were caused by broken up roads, or because another driver didn’t give you the space you need as a motorcyclist to travel safely, whoever is responsible for causing your injuries should be brought to justice. You can bring a bike wreck claim against the person or persons found liable for your accident and subsequent injuries.

This is where you’ll be able to obtain the compensation you need to cover your financial losses and other damages. Your lawyer can review the various ways your life has been affected by your accident to ensure you get the most out of your claim.

Get in Touch with a Boston Motorcycle Accident Lawyer

When you’re ready to fight for the compensation you deserve, schedule your free case review with an experienced motorcycle accident lawyer in Boston so that you can be well on your way to getting back on your motorcycle without being weighed down by a mountain of debt.

Individuals of all ages engage in distracted driving.  It is dangerous, illegal, and can be fatal. Unfortunately, it is a common problem with teenage drivers.  

There are reasons teenagers are more likely to engage in this behavior.  First, even the most mature teenager is not an adult. As teens are primarily oriented to the present, they are not as likely to think ahead to the consequences.  Teens can read about accidents caused by distracted driving, yet insist it can never happen to them.

Second, teens are new drivers who lack the experience needed for safe driving.  When it comes to driving, they are still in the learning stage. Many cannot understand that certain behaviors are dangerous when they are driving a car.

Distracted Driving and Teens

A cell phone is a common distraction.  Young drivers may see no reason to turn their phones off when they start up their cars.  Calls, texts, and social media can be irresistible to young drivers.

Teens may order fast food at a drive-through window, and eat or drink while they are driving.  They may use the rear-view mirror while combing their hair or applying make-up. A young driver may be focusing on loud music, or talking to his friends in the car.

When a teen drives distracted, an accident can occur before he can stop it.  He may drive off the road, hit a pedestrian, or crash into another vehicle. The teen may not see the danger in time, or may not be able to react quickly enough to prevent an accident.

Distracted Driving and Accidents

Teens who drive distracted have a much higher risk of accidents than young people who drive safely and responsibly.  6 out of 10 crashes that involve teenage drivers involve distracted driving.

Some of these issues are addressed by state law.  Teens who have a learner’s permit or an intermediate license are prohibited from using cell phones for any purpose while driving.  During his first 6 months behind the wheel, a teen cannot have a passenger under 20 years of age in the car if they are not family members.

As teenagers do occasionally break the rules, and there are other sources of distracted driving, even a new driver may need a car accident lawyer in Spokane.  Even if the accident did not cause any injuries or fatalities, it is essential to call an attorney immediately.

Parents and Distracted Driving

A parent who wants a teen to never engage in distracted driving should set a good example.  Show your teen it is dangerous by never doing it yourself.

Prepare a safe driving contract, and discuss it with your son or daughter.  Set clear penalties for breaking the rules, and follow through with the agreement.  Impress on your teen that driving is a privilege, not a right, and privileges carry responsibilities.  One of these responsibilities is to not drive while distracted.

If an accident does occur, though, call a lawyer.  Your teen needs legal advice.

 

https://en.wikipedia.org/wiki/Distracted_driving  

https://www.sadd.org/what-we-care-about/traffic-safety/teens-distracted-driving/

Few people can understand just how impactful an injury can be after you’ve been involved in an accident that was caused by someone else. Not only are you forced to deal with the physical and psychological effects of your injuries, but chances are they’ve severely impacted you financially.

With a mountain of medical bills, and household expenses that couldn’t be covered since you were out of work, moving forward can seem like an impossible feat. However, you shouldn’t be expected to cover these costs when your injuries were caused by the negligent actions of another. File a claim in civil court against them so that you can obtain the compensation to which you’re entitled.

Determining Fault in Your Accident

The person named as the defendant in your case will largely depend on the type of accident you were involved in. For instance, if you were injured in a motor vehicle accident your claim could be against the driver of the other vehicle, the manufacturer of either vehicle or even the Missouri Department of Transportation.

Also,  if you were injured in a dog attack the owner of the dog would likely be held responsible for your damages. Your attorney will thoroughly investigate the cause of your accident to determine who should be responsible for compensating you for your suffering.

Recovering Maximum Compensation

It will be of utmost importance to consider every way your life has been influenced by your injuries if you want to get the most out of your claim. Although your attorney will be sure to include your financial debts (i.e. your lost wages, medical bills, damage to your earning capacity, and property damages), they will also need to review the ways your life has been impacted psychologically.

Your pain and suffering, loss of enjoyment of life, the loss of companionship and love, emotional distress, and other lifestyle damages can often be far more damaging and have further influence on your financial debts. For this reason, your lawyer will need to make sure that each loss you endured is accounted for when calculating the value of your claim.

Schedule a Free Consultation with a Missouri Personal Injury Lawyer

It’s time for you to take back the control over your life. Work with the top Missouri injury lawyers so that you can be well on your way to putting this trying time in the past. During your free consultation you’ll be able to get more information about what you can expect moving forward and finally begin the process of securing the compensation to which you’re entitled.

The effects of a car accident can be traumatic. Whether you suffer property damage or personal injuries, recovering from the experience is not easy. In Florida, just like in all other states, several parties are involved when a car accident happens, including the traffic police, the insurance company, the medical sector, the witnesses, and the drivers. Dealing with the other parties is not an easy thing, so finding legal help after a Florida car accident is advisable. This means hiring a Florida car accident attorney that you can trust.  

What Will the Attorney Help You Do?

Immediately after a car accident, panic and confusion may set in. At such a time, you may not be able to make a rational decision. Moreover, your priority should be to get medical help and recover from the loss. Nonetheless, the other party has to be held liable for the accident and you should get the compensation that you are legally obliged to receive.  The process of filing and winning a car accident lawsuit is not easy, but with the right attorney, you can succeed. The attorney will help you:

  • Determine the faults:  Before a legal complaint is launched, your attorney has to determine who is majorly to blame. The expert will use the Comparative Negligence theory to determine your share of fault and the other party’s.
  • File the lawsuit in time: The statute of limitations in Florida for car accident claims is 4 years. The lawyer will help you follow the legal procedures to file the lawsuit before the time expires.
  • Contend with the insurance company: You should not face the insurance company unaccompanied. You need a lawyer to contend with insurance’s defense team.
  • Get compensation insights: The injuries suffered in a car accident can be long-term, with some leading to permanent disabilities. The lawyer will help you ask for a fair settlement—for example, a minimum of $10,000 for damage to property and $20,000 for injuries.

What to Consider Before Hiring the Attorney?

You need to look at:

  • Work experience: The more the experience, the better.
  • Local Certification: The attorney should be legally allowed to practice law in Florida.
  • The Fees: You should be able to afford the rates.
  • The winning plan: The lawyer should explain to you clearly how he or she plans to win the case.

Clearly, finding legal help after a Florida car accident is necessary if you want to get fair reimbursement. The expert will help you file a concrete case that is winnable in court and ultimately get paid for the damages, so call Casey Shomo, auto accident attorney.

Delaware is a small state in the Mid-Atlantic, surrounded by Maryland, Pennsylvania, and New Jersey. It is ranked 49th in terms of total area and 45th in terms of population with just under a million residents. It’s an affluent state with most families being able to afford multiple cars. As a result, the local government was able to record almost 700,000 licensed drivers, and almost 900,000 registered vehicles in the state. These were able to log an estimated 9.76 million miles for the year 2015. Just marginal increases were observed from the 2014 to 2015 statistics.  

Crashes and Fatalities

According to the CDC, accidents are the fourth leading cause of death in Delaware. It is just below cancer, heart disease, and chronic lower respiratory diseases. Accidents killed more people in 2016 than stroke, Alzheimer’s disease, kidney disease, and diabetes. We spend a great deal of time and money to take good care of our health. Given this data, it just seems logical to give as much attention to our safety on the roads.

A good chunk of these Delaware accident statistics may be traced to motor vehicle crashes. In 2015, there were 129 fatal crashes in the state which was 16% up from the previous year. Crashes that resulted in personal injury reached 5,253 while those that were limited to property damage went up to 18,684. The total number of collisions for that year was just over 24,000.

More than one person was involved in many of these cases. The number of persons killed was 133 while the persons injured was more than 8,000. Looking at the vehicle miles travelled, it would seem that there is 1.36 deaths per 100 million miles or 1.49 per 10,000 registered vehicles. The death rate is pegged at 14.09 per 100,000 population. What’s concerning is that Delaware’s death rate has been going up in the past few years while the national figures are going down.

About half of the fatal crashes happened in New Castle county. Car drivers were more apt to perish than their passengers. The most common crashes involved a motor vehicle in transport, parked vehicles, collisions with utility poles, collisions with the curb, and animals. As for the contributing circumstances, inattentive driving, following too close, careless driving, failing to yield, improper passing, animal in roadway, and driving under influence come out on top. DUI, failure to yield, and pedestrian crashes were very fatal.

Driver Distribution

According to the breakdown, there were a few more licensed female drivers than male drivers around the state in 2015. Women outnumbered men 354,845 to 329,886. Those aged between 25 and 54 make up half of the license holders. In Delaware, teenagers as young as 16 can begin to drive, although their numbers are small compared to the rest. Seniors aged 70 and older outnumber them by a mile, aided by experience and deeper pockets.

If you are a victim of a crash, then get an accident lawyer in Delaware to help you with your claims.

LINKS:

https://dsp.delaware.gov/pdfs/2015%20Traffic%20Annual.pdf

https://www.cdc.gov/motorvehiclesafety/pdf/impaired_driving/Drunk_Driving_in_DE.pdf

In our youth-obsessed society, men and women alike feel enormous pressure to defy the aging process. A lot of good has come from that attitude: many types of physical and mental decline once believed to be an inevitable part of getting older can now be slowed or even prevented by living a healthy lifestyle. But sooner or later, most men will feel like they are losing their spark—in the weight room, the boardroom, and the bedroom. We are bombarded my messages suggesting that all these struggles are the result of low levels of testosterone. Many advertisers imply that testosterone therapy is a fountain of youth.

No medical practitioner would deny that testosterone plays a large role in a man’s sex drive and overall vitality. Remember, though, that the body makes use of 50 or more hormones on a daily basis. Assuming that all of a man’s problems can be blamed on reduced levels of one single hormone is not just bad science; it is literally bad medicine that can put a man’s overall health at risk. Sex drive is the result of many complex interactions within the body. Restoring a man’s libido requires taking the time to fully understand his body’s chemistry and the many factors at play.

Healthline.com reports that traditional testosterone therapy hasn’t been shown to offer any benefits to a healthy man, and can even be dangerous if the man was misdiagnosed with low testosterone levels. Before any man starts hormone therapy, he should meet with a practitioner who carefully analyzes hormone levels to determine whether testosterone is even an issue. The Healthy Choice compounding pharmacy offers Saliva hormone testing as a safe, easy way to unravel the mysteries of a man’s decline in health.

If testosterone is not the root of your struggles, we will determine what is. If you would benefit from a replenishment of testosterone, you’ll have the peace of mind of knowing that our Bio-Identical Hormone Therapy (BIHT) uses only hormones that are chemically identical to those produced by your own body, maximizing the benefits and minimizing the risks. Give us a call today and we can talk you through the whole process.

For further reading on the debate over traditional testosterone therapies, visit http://www.medscape.com.