Archive for the ‘Insurance policy’ Category

Explaining an Umbrella Policy and What Coverage To Look For

Thursday, March 3rd, 2022

Umbrella policies are insurance policies that provide additional coverage above and beyond the limits of your existing policy.  People often purchase umbrella policies for additional protection in case their actions cause harm to another person in the form of catastrophic injuries.

Not only can an umbrella policy make sure you have enough insurance to cover someone else’s injuries, but you can also buy an umbrella policy that covers harms and losses you may suffer at the hands of another careless person who does not have enough insurance.  Not all umbrella policies are the same, so you need to carefully read your policy and ask your agent what is included in yours.

There are some specific questions you should ask.  First, ask whether you have third-party coverage, which covers the third party that hit you.  Then ask whether you have first-party coverage, as well.  First-party coverage covers you and the people in your car if the person who hurts you does not have enough insurance to cover your injuries.  Make sure your umbrella includes the coverage you think you should have.  Watch the video to learn more.

If you have additional questions about umbrella policies or auto insurance, or if you have been injured in an auto accident, I want you to call me at 559-234-0971.  I welcome your call.  Visit our educational website at www.NunesLaw.com for more videos and media content from our law firm.

Can You Bring a Lawsuit If The Other Driver has the Same Insurance Company?

Monday, December 20th, 2021

After being in an auto accident, you learned the careless driver who hit you has the same insurance company as you.  Now you’re wondering how you can bring a lawsuit if the same company handles insurance for both sides.  You can still make a claim, but you’ll need to pay special attention to some additional factors.

Cases with the same insurance company covering both sides are handled differently, complete with different ratings and limits.  Insurance companies should assign each side of the case to different adjusters.  Make sure this happens by carefully reading all communications from your insurance company in the mail, reviewing who is listed as insured and who is listed as the claimant.  Don’t respond to the letter if this information is not clear.

Whenever the adjusters call you, confirm with them whether they are representing the claimant or the injured on the case.  Check the information they provide with the claim numbers, as these numbers will often be different.  Watch the video to learn more.

If you have additional questions, I want you to call me at 559-234-0971.  I welcome your call.  Visit our educational website at www.NunesLaw.com for more videos and media content from our law firm.

Copyright © 2022 Law Office of Frank M. Nunes, Inc | All Rights Reserved | Disclaimer Privacy Policy SEO for Lawyers

Contact Us