Finance Tips

An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. When you have an accident and make a claim on your insurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The auto insurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.

When you report a claim for an accident to your auto insurance, they will contact the appropriate adjuster. The auto insurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle. Then you will receive a report from the insurance company regarding the assessment the auto insurance claim adjuster submits. If the damages exceed the value of the vehicle, it will be “written off”.

The amount you get on your auto insurance policy depends on the policy itself. If the auto insurance claim adjuster determines that the vehicle is written off, the insurance will pay you the book value of the vehicle. This could be more or less than what the car is worth. With some auto insurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile.

There is a certain process that an auto insurance claim adjuster has to use to come up with the amount the insurance company will pay. You will usually get two quotes – one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The auto insurance adjuster knows that many people have friends who can do the work cheaper and often take the money.

Once you decide how you want to proceed, the insurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender. Otherwise the check comes directly to you. The job of the auto insurance adjuster is only to access the damages, Any dispute you have regarding the report made by the auto insurance claim adjuster has to be done through the insurance company. Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living.

An auto insurance claim adjuster doesn’t have an easy job.

There are times when you simply cannot wait the week or more it can take to establish credit and to get a hold of your new credit card. Even with fast approval, it can still take seven to ten days before a nondescript envelope arrives in your mailbox with your new credit card inside. Fortunately, an instant approval credit card could be one way to speed up the process. By applying today you could get immediate approval and have access to your credit line on the spot.

Life’s little and big emergencies often require that you have cash on hand or at least enough credit to give the contractor who is to fix your leaking roof the peace of mind that you have the funds available to pay for the job. It could take days for the insurance adjuster to arrive and process your claim, even longer if you live in an area where most of the homes were damaged by a hurricane, tornado, etc. You lined up a contractor but he wants a down payment now, but you are short on funds. What can you do? Apply for an instant approval credit card!

We live in a society where many decisions must be made almost immediately. Creditors know this and have developed a way for you to apply for a credit card online and receive approval within one or two minutes. This method is accomplished quickly because computers do much of the legwork by pulling up your FICO score to measure your creditworthiness. The higher your score, the more likely you’ll be rapidly approved.

One thing to note is that not every “instant approval” credit card will allow you to access your credit line right away. If there is a “flag” in your credit file, you’ll be conditionally approved until a human worker can access your credit reports for further information. You may still receive conditional approval, but it could take a few more days for a professional to review your information and to approve your new credit card.

If you do receive instant approval for your credit card application then you could be granted limited access to your credit line until the actual credit card arrives in the mail. This may be all that your contractor needs to know before beginning repairs. Once the credit card is in your possession you’ll then have full access to the line of credit determined by the credit card company.

Instant approval credit cards can ease your burdens and strengthen your hand in a difficult situation. Find the Discover, MasterCard, Visa, or American Express card that fits your needs and put your worries behind you.

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This article is an overview of the Rhode Island Personal Injury, slip and fall and car accident claims process. This article answers the following questions- How do Rhode Island lawyers charge for personal injury & automobile (auto) accident cases? If I hire a Rhode Island personal injury attorney, how does the process work? My attorney is unable to settle the case with the insurance adjuster, then what happens next? How do I obtain evidence of my personal injury? Will my lawyer keep what I tell him confidential? What type of costs are typically incurred in Rhode Island (RI) personal injury cases.

PERSONAL INJURY The term ‘personal injury’ is described as any harm caused to a person, such as a broken bone, a cut, a bruise , truck or auto accident, a broken ankle from slipping on a side walk, to spastic paralysis caused through any medical negligence.

A personal injury occurs when someone suffered from some form of injury, either physical or psychological, as the result of an accident or medical malpractice. A personal injury, physical or psychological, can have long or short term …

Personal injury can be a physical, financial or a mental injury caused by another person, object or company. A person can sue and claim for personal injury compensation if he has been a victim of slip and fall injuries, nursing home abuse, car accidents, defective product injury, exposure to toxic materials, medical malpractices, wrongful death (due to negligence), drug injury, dog bite, job injuries, and so on.

Personal injury is injury caused to a person from another person, object, or company. Personal injury claim is the act of seeking compensation for that injury. Personal injury may be slip and fall injuries, nursing home abuse, car accidents, defective product injury, exposure to toxic materials, medical malpractices, wrongful death (due to negligence), drug injury, dog bite or job injuries.

Personal injury is the bodily harm caused to a person because of someone or something. Personal injury includes: slip and fall injuries, nursing home abuse, car accidents, defective product injury, exposure to toxic materials, medical malpractices, wrongful death (due to negligence), drug injury, dog bite or job injuries. Personal injury law deals with protecting of those individual’s interests who have been victims of recklessness, negligence, inaction or malpractices of others.

Personal injury lawsuits are those that relate to injuries caused by another person or another person’s object or a company. Personal injuries lawsuits are claims for invasion of a personal right like false imprisonment, causing mental suffering, any kind of harm, disease or death caused by another person. Personal injury law deals with protecting of those individual’s interests who have been victims of recklessness, negligence, inaction or malpractices of others. It also includes defective drugs, medical malpractices, worker’s compensation and product liability.

A personal injury lawsuit is a viable weapon for the victims of any injury or mental stress. If a person gets injured due to the carelessness of another person or party, he or she has the right to file a personal injury lawsuit against the party. Personal injury victims can seek monetary compensation from the party responsible for the injury. But preparing a strong personal injury lawsuit requires enormous experience and expertise. And only a qualified personal injury attorney can help you file a convincing personal injury lawsuit.

If you have suffered personal injury and want to get compensation from the party responsible for that injury, you should enlist the help of any personal injury attorney in your state. Personal injury attorneys know how to present your compensation claim in a convincing fashion before the courts. It’s not easy for ordinary people to independently fight their personal injury law cases in court. You may not be aware of the legal proceedings related to a personal injury law. But the personal injury attorneys are familiar with all the legal aspects of the personal injury law.

Question: Is it a good idea to wait a period of time before I hire an attorney?

Answer: You should contact a Rhode Island Personal Injury Lawyer  immediately after the accident.  You can resolve damages to your vehicle with the appropriate Insurance Adjuster. You should consult with a Personal Injury Lawyer prior to giving a statement to the insurance adjuster.

Question: Am I required to give a recorded statement to the insurance company upon their request?

Answer: There is no legal requirement for you to give a recorded statement to an insurance adjuster. However, if the insurance company is your own insurance company, you may be contractually obligated to give a recorded statement.

You should not give any statement unless you have legal representation present and you should acquire a copy of the transcript.

Do you charge any legal fee for Rhode Island Personal Injury Cases?

A:  We do not charge any fee unless you collect as a result of your Rhode Island Personal Injury or RI Car Accident claim. In the event that we are successful in obtaining a Personal Injury settlement for you, we will be reimbursed out of pocket expenses.

We typically refer Rhode Island Medical Malpractice and Product Liability claims to top Rhode Island Medical Malpractice Attorneys. Some Rhode Island Medical Malpractice Lawyers charge up to 40 percent for Rhode Island Medical Malpractice cases.

Question: What is necessary to have a valid Rhode Island Personal Injury Claim?

Answer: If you were injured as a result of another person’s or entity’s negligence or intentional act, then you have a potential personal injury cause of action.

It is not always required to have a physical injury to bring a personal injury lawsuit. A personal injury lawsuit can be pursued based on the diminution of your reputation or an intentional infliction of emotional distress.

Legal Notice per Rules of Professional Responsibility: The Rhode Island Supreme Court licenses all lawyers and attorneys in the general practice of law, but does not license or certify any lawyer / attorney as an expert or specialist in any field of practice. While this firm maintains joint responsibility, most cases of this type are referred to other attorneys for principle responsibility.

Question: What exactly is a settlement in a personal injury case?

Answer: If you settle a Rhode Island personal injury car accident or slip and fall case, you are agreeing to accept a sum of money in exchange for either not pursuing a personal injury case against the person or entity or dismissing a personal injury case against a person or entity. If the case settles, you will need to sign a release releasing any parties of any potential future liability. In order to determine whether or not you should accept a personal injury settlement, your attorney needs to assess the amount of damages you have suffered, the likelihood of prevailing at trial, and any other factors that the attorney deems appropriate.

A settlement can be reached at any time prior to the filing of the lawsuit or after the lawsuit is filed and any time up until the jury’s verdict. The case can even be settled after the trial if the case is on appeal.

At Slepkow, Slepkow & Associates, Inc. it is our firm philosophy that it is the client’s decision on whether or not to accept a personal injury settlement. We will certainly help you in making that determination by providing all of the essential information and answering any relevant questions that you have. We often will give our recommendation as to whether or not a settlement is fair. We always let our clients make the final decision whether or not to accept a personal injury or auto accident settlement.

Q: Will you always pay out of pocket expenses up front in Rhode Island Personal Injury cases?

A: We almost always pay all out of pocket expenses and get reimbursed from the proceeds upon settlement or judgment.

Q: What are normal and usual out of pocket expenses in a RI Personal Injury or Auto Accident Case?

A: In Rhode Island, filing fees are usually less than 200. Deposition transcripts typically cost between 0 to 0. Personal Injury Lawyers also may pay certain Medical Providers to write comprehensive Medical reports.

The costliest personal Injury expense is the cost of Medical Doctors or experts testifying at  trial. We do everything we can to limit case costs. For Rhode Island Personal Injury cases with lower values, we will discuss with you making reasonable choices regarding case costs.

Q: What is the Rhode Island Personal injury Claims process?

A: We do everything we can to negotiate with the insurance company to get the best settlement possible. We exchange information with the insurance adjuster including proof of medical expenses, lost wages and proof of negligence. If we cannot reach an agreement with the insurance company that you are satisfied with, then we file a lawsuit.

After a lawsuit is filed we may take depositions of important witnesses. Depositions usually take place in a lawyer’s office. The insurance company may request that our client is examined by a doctor selected by the insurance company. (This is known as an IME, or independent medical examination). If the lawsuit cannot be resolved, the case will be scheduled for trial. At any point your personal injury, slip and fall or car accident lawsuit may be settled

Q: What is the value of my Rhode Island personal Injury claim?

A: We assess and consider many variables in determining the value of your RI Car accident or Personal Injury claim. If Liability is uncertain then the value of the case will be lowered.

In certain cases, it is unclear which party is at fault for the Car  / auto Accident / Slip and Fall and the injuries are not serious. These types of cases may have low value and may not be worth pursuing because of the time and expenses involved.

In other cases, Liability is undisputed and a person has suffered serious personal injuries In these types of cases they key factor is the amount of insurance the at fault party / parties have.

Q: What if I reside out of state but the Accident was in Rhode Island.

A: We are very accommodating to out of State Clients.  We have many clients who reside out of the State of RI. We make every effort to limit the amount of times that you will have to travel to Rhode Island. There is a decent chance that you will never have to come to come to Rhode Island. You may need to visit Rhode Island for a Deposition, IME or for the trial.

If your personal Injury case is settled prior to any depositions then it will not be necessary for you to travel to RI.

Question: Is it a good idea to wait a period of time before I hire an attorney?

Answer: You should contact Rhode Island Personal Injury Lawyer David Slepkow 401-437-1100 immediately after the accident. You can resolve damages to your vehicle with the appropriate Insurance Adjuster. You should consult with a Personal Injury Lawyer prior to giving a statement to the insurance adjuster.

Question: Am I required to give a recorded statement to the insurance company upon their request?

Answer: There is no legal requirement for you to give a recorded statement to an insurance adjuster. However, if the insurance company is your own insurance company, you may be contractually obligated to give a recorded statement. You should not give any statement unless you have legal representation present and you should acquire a copy of the transcript.

Do you charge any legal fee for Rhode Island Car Accident Cases?

A: We do not charge any fee unless you collect as a result of your Rhode Island Personal Injury or RI Car Accident claim. In the event that we are successful in obtaining a Personal Injury settlement for you, we will be reimbursed out of pocket expenses.

We typically refer Rhode Island Medical Malpractice and Product Liability claims to top Rhode Island Medical Malpractice Attorneys. Some Rhode Island Medical Malpractice Lawyers charge up to 40 percent for Rhode Island Medical Malpractice cases.

Question: What is necessary to have a valid Rhode Island Personal Injury Claim?

Answer: If you were injured as a result of another person’s or entity’s negligence or intentional act, then you have a potential personal injury cause of action. It is not always required to have a physical injury to bring a personal injury lawsuit. A personal injury lawsuit can be pursued based on the diminution of your reputation or an intentional infliction of emotional distress.

Question: What exactly is a settlement in a personal injury case?

Answer: If you settle a Rhode Island personal injury car accident or slip and fall case, you are agreeing to accept a sum of money in exchange for either not pursuing a personal injury case against the person or entity or dismissing a personal injury case against a person or entity. If the case settles, you will need to sign a release releasing any parties of any potential future liability. In order to determine whether or not you should accept a personal injury settlement, your attorney needs to assess the amount of damages you have suffered, the likelihood of prevailing at trial, and any other factors that the attorney deems appropriate.

A settlement can be reached at any time prior to the filing of the lawsuit or after the lawsuit is filed and any time up until the jury’s verdict. The case can even be settled after the trial if the case is on appeal.

At Slepkow, Slepkow & Associates, Inc. it is our firm philosophy that it is the client’s decision on whether or not to accept a personal injury settlement. We will certainly help you in making that determination by providing all of the essential information and answering any relevant questions that you have. We often will give our recommendation as to whether or not a settlement is fair. We always let our clients make the final decision whether or not to accept a personal injury or auto accident settlement.

Q: Will you always pay out of pocket expenses up front in Rhode Island Personal Injury cases?

A: We almost always pay all out of pocket expenses and get reimbursed from the proceeds upon settlement or judgment.

Q: What are normal and usual out of pocket expenses in a RI Personal Injury or Auto Accident Case?

A: In Rhode Island, filing fees are usually less than 200. Deposition transcripts typically cost between 0 to 0. Personal Injury Lawyers also may pay certain Medical Providers to write comprehensive Medical reports.

The costliest personal Injury expense is the cost of Medical Doctors or experts testifying at trial. We do everything we can to limit case costs. For Rhode Island Personal Injury cases with lower values, we will discuss with you making reasonable choices regarding case costs.

Q: What is the Rhode Island Personal injury Claims process?

A: We do everything we can to negotiate with the insurance company to get the best settlement possible. We exchange information with the insurance adjuster including proof of medical expenses, lost wages and proof of negligence. If we cannot reach an agreement with the insurance company that you are satisfied with, then we file a lawsuit.

After a lawsuit is filed we may take depositions of important witnesses. Depositions usually take place in a lawyer’s office. The insurance company may request that our client is examined by a doctor selected by the insurance company. (This is known as an IME, or independent medical examination). If the lawsuit cannot be resolved, the case will be scheduled for trial. At any point your personal injury, slip and fall or car accident lawsuit may be settled

Q: What is the value of my Rhode Island personal Injury claim?

A: We assess and consider many variables in determining the value of your RI Car accident or Personal Injury claim. If Liability is uncertain then the value of the case will be lowered.

In certain cases, it is unclear which party is at fault for the Car / auto Accident / Slip and Fall and the injuries are not serious. These types of cases may have low value and may not be worth pursuing because of the time and expenses involved.

In other cases, Liability is undisputed and a person has suffered serious personal injuries In these types of cases they key factor is the amount of insurance the at fault party / parties have.

Q: What if I reside out of state but the Accident was in Rhode Island.

A: We are very accommodating to out of State Clients. We have many clients who reside out of the State of RI. We make every effort to limit the amount of times that you will have to travel to Rhode Island. There is a decent chance that you will never have to come to come to Rhode Island. You may need to visit Rhode Island for a Deposition, IME or for the trial.

If your personal Injury case is settled prior to any depositions then it will not be necessary for you to travel to RI.

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