Signs of Bad Faith in Long-term Disability Insurance

Posted by on Jun 1, 2017 in Personal Injury | 0 comments

You can get long-term disability insurance through your employer, as part of a benefit plan, or through your own effort, like getting an individual policy. Either way, you are getting this kind of insurance just to make sure that when the need for it arises, you can get financial assistance.
But there is one important thing you should know – insurance is a business. For this reason, insurance companies may act in bad faith just to save money. Below are some of the most common acts that may be signs that your insurance company is acting in bad faith.

Denying legitimate claims

You are truly disabled under the terms and agreements between you and the insurance company. You have the proper medical records to validate your disability. You have submitted your claim in a timely manner. Yet after all these, your claim has been denied.
According to the website of Fields Disability, those who have had their claims denied may have other options, such as appealing to the insurance company to reconsider. Still, it cannot be denied that insurance companies reject valid claims, with the intention of saving money and discouraging claimants to pursue coverage.

Approving claims too swiftly

If your claim has been approved, you have a legitimate reason to celebrate. But if it has been approved too quickly, postpone that celebration for a while, because the quickness may be a sign of bad faith. This is a common tactic of insurance companies. They swiftly approve claims while giving minimal coverage, giving the illusion that the claimant has gotten what he deserves, when in fact, he has not, and the insurance company has just saved some cash.

Delaying the process

Insurance companies will do everything they can to discourage your from pursuing your claim, so they are going to make the process as hard as possible. They may delay parts of the process, including the acquisition of the proper documents needed, the studying of the said documents, and the approving and denying of the claim.

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Motor Vehicle Accidents, the Major Cause of Traumatic Brain Injuries

Posted by on Sep 23, 2016 in Personal Injury | 0 comments

One serious types of personal injury is that which is inflicted to the brain as this have very serious effects, like unconsciousness (which can become more frequent so long as the injury remains untreated), amnesia, comatose, disability, or death. Personal injury is harm committed against a person due to another individual’s negligent or careless behavior. Though it is usually physical, it nevertheless affects the victim mentally and emotionally. A personal injury may also be accidental or intentional in nature.

The causes of personal injury include simple accidents, like slip and fall, to severe motor vehicular accidents, which can occur on land, air or at sea. It can also result from medical errors, defective products or exposure to hazardous materials while at work. While some personal injuries can be severe, resulting to prolonged disability which, in turn, can result to financial loses due to costly medical treatment, others can lead to a victim’s untimely death. As explained by the Spiros Law Firm, under the law, victims of personal injury have the right to receive compensation from the liable party to cover present and future damages resulting from the injury

Brain injury, also known as intracranial or Traumatic brain injury (TBI), is a very serious personal injury caused by a strong jolt or very violent blow to one’s head. This injury is usually sustained in car accidents, falls, acts of violence, explosions or sports accidents. According to the Centers for Disease Control and Prevention (CDC), more than 1 million Americans are treated for brain injuries every year – about 50,000 of them die.

Car accident, specifically, is the major cause of this type of injury. Despite the safety features of a car and the careful observance of traffic rules by some drivers, the negligence of many other drivers can render futile all observance for safety and cause an accident that can severely injure or kill innocent victims. Pursuing legal action against reckless and negligent parties should be a duty to all innocent injured victims, not just for the purpose of seeking compensation, but for sending the message that acts of recklessness and negligence will never go unpunished.

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Know more about tire best practices

Posted by on Feb 13, 2016 in Personal Injury | 0 comments

Your tires are the only car components that come directly in contact with the road. This means that if there is anything worth inspecting before you hit the road, it would be your tires. Unfortunately, a Des Moines car accident attorney would likely tell you that many injurious and fatal road accidents have been attributed to malfunctioning tires. A tire could malfunction due to a myriad of different factors. Fortunately, there are also many different tire best practices that you should be aware of to keep tire-related accidents at bay:

Only buy from the best

A Massachusetts personal injury attorney would likely be aware of how a negligent tire manufacturer can carelessly put the lives of its consumers in great peril. And so, you have to be aware of the quality of your tires. What is the overall impression on the brand? How responsive is the market in ‘buying’ the tires? Has the manufacturer always been involved in tire recalls? By answering these questions, you are ensuring that you will only get the best, high-quality tires available. The National Highway Traffic and Safety Administration (NHTSA) has built a website where you can read more on tire ratings.

Know your specs

Hitting the road with over inflated or under inflated tires is the number one cause of tire-related incidents in the country. Before leaving the driveway, check if the tire pressure is within the recommended tire specs. You should only be using tires that are recommended for your car build. Mounting a tire that’s too small or too big, for instance, may cause technical problems that may ultimately result in tire or under chassis breakdown.

Rotate regularly

By regularly rotating your tires, you are preventing uneven wear out of all of your four tires. Just remember, though, that there are ways on how to rotate your tires properly. For instance, tire rotation should only be done between front and rear axles. This means that tires should never be rotated from left to right and vice versa. All tires should also have one tread design to avoid uneven wear out and to ensure maximum traction. Finally, tires with the best thread should be placed on the rear axle to avoid hydroplaning.

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