The auto policy exclusions are perhaps the number one way insurance companies confuse an insured regarding what is and what is not covered. Often, they exclude coverage simply because an exclusion is commonly applied, but fail to read your specific auto policy. To complicate matters, what can and cannot be excluded by law tends to be misunderstood and somewhat of an obscure subject.
Traffic Light Accident Disputes
A traffic light accident dispute is perhaps one of the most common accidents out there. The facts are obvious, one driver will argue that the light was green and the other one will argue that the light was red. They will blame each other as to who had the right of way. Absent any witnesses or objective credible evidence, this dispute becomes a word v. word scenario.The Settlement Demand Letter - Structure and Its Contents
A settlement demand letter should be written and delivered to an insurance company when you are ready to release any rights against the at fault party, in exchange for award of money (what you are demanding). Although your settlement demand is nothing more than a letter describing your accident, injuries, and the effect the injuries (not the accident) had on your life, it can be the key piece of documentation that makes or breaks your claim. As a matter of fact, the settlement demand letter is not a letter, it's a package.Rules to Remember for a Persuasive Settlement Demand Letter
As an exclaim adjuster (now an attorney), I have seen many injury demand letters that seek to increase an award of damages (typically pain and suffering). Some are so badly drafted that they could actually decrease the settlement amount an insurance company would offer. Many consumers attempt to settle their own claims but fail to realize the importance of a well drafted letter.