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Kamis, 15 April 2010
Rabu, 14 April 2010
Settling your car insurance claim: how to write a demand letter
You don’t need to be a great writer to draft a demand letter. Setting out the necessary information to support your demand should be sufficient. CAUTION: If you are not confident that you can write the letter, you may want to consult a personal injury attorney.
Here is a sample demand letter in a fairly simple claim:
Dear Adjuster,
On October 15, 2005, my 2001 Honda Civic was struck by your insured, Joe Smith’s 2002 Volkswagen Jetta, at the corner of Elm and Main in Silver City when Mr. Smith ran a stop sign. His car’s front end hit my driver’s side door and left fender causing $3,500 in property damage, paid by your company. My seatbelt was on. The police report shows Mr. Smith was at fault. He received a ticket for running the stop sign.
An ambulance took me to Town Hospital’s emergency room where I was x-rayed and examined. My injuries were severe bruises to my upper body, left arm and left hip, and soft tissue damage to my neck and back. I was released from the hospital after several hours and sent home with instructions to stay in bed for a few days, use ice, wear a neck brace, and take Vicodin for pain and Flexiril to relax my muscles.
I stayed home from my job as a teacher for one week. I had follow-up treatment with my family physician, Dr. Harvey Stein, six days later. He told me to continue icing three times a day, and referred me to a physical therapist for my neck and back. I saw Julie Lyons, RPT, for 4 weeks, twice a week, and then for 4 more weeks, once a week. I am still doing the stretching and strengthening exercises at home. I’ve gone back to see Dr. Stein twice and have another appointment with him next week. I still have quite a bit of pain in my neck and back.
My medical bills totaled $3,450 as follows (Copies of bills attached):
Ambulance: $650
Hospital E.R, x-rays, exam, neck brace: $490
Dr. Stein: $225
Julie Lyons, RPT: $1216
Prescriptions: Flexeril, Vicodin: $219
I have lost wages in the amount of $1000. (Documentation attached.)
As a result of the accident, I had to cancel reservations for a conference. The nonrefundable fee was $240. (Receipt attached.)
As a result of being hit by Mr. Smith’s car, I couldn’t take my children to school and back for a week. I hired someone to help with that for $75 (Receipt attached.) I also had to hire a cleaning person to take care of the house and I will continue to need someone as long as I have pain in my neck and back. So far, this has cost me $600. (Cancelled checks attached).
My special damages come to $5,365. My future damages may be another $1,500 for medical bills and house cleaning.
I have had considerable pain and suffering as a result of this accident and continue to suffer from neck and back pain. I demand settlement of my claim in the amount of $25,000. Please respond to this demand with an offer to settle within 15 days.
Here is a sample demand letter in a fairly simple claim:
Dear Adjuster,
On October 15, 2005, my 2001 Honda Civic was struck by your insured, Joe Smith’s 2002 Volkswagen Jetta, at the corner of Elm and Main in Silver City when Mr. Smith ran a stop sign. His car’s front end hit my driver’s side door and left fender causing $3,500 in property damage, paid by your company. My seatbelt was on. The police report shows Mr. Smith was at fault. He received a ticket for running the stop sign.
An ambulance took me to Town Hospital’s emergency room where I was x-rayed and examined. My injuries were severe bruises to my upper body, left arm and left hip, and soft tissue damage to my neck and back. I was released from the hospital after several hours and sent home with instructions to stay in bed for a few days, use ice, wear a neck brace, and take Vicodin for pain and Flexiril to relax my muscles.
I stayed home from my job as a teacher for one week. I had follow-up treatment with my family physician, Dr. Harvey Stein, six days later. He told me to continue icing three times a day, and referred me to a physical therapist for my neck and back. I saw Julie Lyons, RPT, for 4 weeks, twice a week, and then for 4 more weeks, once a week. I am still doing the stretching and strengthening exercises at home. I’ve gone back to see Dr. Stein twice and have another appointment with him next week. I still have quite a bit of pain in my neck and back.
My medical bills totaled $3,450 as follows (Copies of bills attached):
Ambulance: $650
Hospital E.R, x-rays, exam, neck brace: $490
Dr. Stein: $225
Julie Lyons, RPT: $1216
Prescriptions: Flexeril, Vicodin: $219
I have lost wages in the amount of $1000. (Documentation attached.)
As a result of the accident, I had to cancel reservations for a conference. The nonrefundable fee was $240. (Receipt attached.)
As a result of being hit by Mr. Smith’s car, I couldn’t take my children to school and back for a week. I hired someone to help with that for $75 (Receipt attached.) I also had to hire a cleaning person to take care of the house and I will continue to need someone as long as I have pain in my neck and back. So far, this has cost me $600. (Cancelled checks attached).
My special damages come to $5,365. My future damages may be another $1,500 for medical bills and house cleaning.
I have had considerable pain and suffering as a result of this accident and continue to suffer from neck and back pain. I demand settlement of my claim in the amount of $25,000. Please respond to this demand with an offer to settle within 15 days.
Minggu, 11 April 2010
Auto Insurance Costs
We know how hard high premiums hit some of our customers. It's why we work so hard to control costs and promote safety. It's also why we are the customer's advocate, using our size and strength to achieve what the individual consumer can't.
We've identified 5 primary reasons that keep rates climbing. They're problems we desperately want to solve. And we're hoping you'll help.
1. People Have Accidents
With 40 million accidents in the world each year, insurance costs are hard to decrease.
What We're Doing
By teaming up with other insurance companies and consumer groups to form "Advocates for Highway and Auto Safety," we're working on programs and legislation to impact drunk driving, safety belt use, child safety seat use and speed enforcement. Liberty Mutual also supports the Insurance Institute for Highway Safety's Vehicle Research Center and their crash-test safety research.
What You Can Do
* Drive defensively and within speed limits.
* Support legislation to crack down on drunk and reckless driving.
* Support police in their traffic enforcement efforts.
* Think air bags, automatic safety belts and anti-lock brakes in your next car. In bad weather, drive accordingly. Or don't go if you don't have to.
2. Cars are Expensive to Repair
To repair a totaled $24,815 automobile with manufactured replacement parts, the cost would be more than $71,000 -- and that is not including the $20 to $60 per hour labor costs.*
What We're Doing
We're working to have strong federal bumper requirements reinstated, as well as on legislation to make bumper strength ratings available in new car showrooms. We also believe in fully-guaranteed Quality Replacement Parts. Equal in quality to those from auto manufacturers, they'll keep repair costs, and our rates, down.
What You Can Do
* Support legislation to improve the safety and construction of automobiles.
* Accept guaranteed Quality Replacement Parts as equal to original equipment.
* Buy a car with a 5 mph bumper.
*Property Casualty Insurers Association of America (PCIAA) 2002 study using a 2002 Dodge Grand Caravan Sport vehicle.
3. Medical Treatment for Accident Victims is Expensive
Upward trends in medical treatment costs* in the U.S. have created a health care crisis that cannot be solved by the insurance industry alone.
What We're Doing
We're a strong advocate of meaningful, long-term, health care reform. Short-term we hope to control medical costs by preventing and reducing the severity of injuries.
What You Can Do
* Always use safety belts. Always make those riding with you use them too.
* Make air bags a priority in your next car.
* Drive defensively and to suit road conditions.
* Don't speed.
* And never drive under the influence.
*U.S. Bureau of Labor and Statistics
4. People Steal Cars
As auto theft continues to rise, so will the cost of auto insurance.
What We're Doing
Whether it's helping initiate new laws, participating in auto theft-prevention bureaus that make grants to local police departments fighting serious theft problems, or donating electronic retrieval systems to help police to recover stolen cars, we're at the front in the war on auto theft.
What You Can Do
* Park in well-lit areas.
* Always lock your car and take the keys.
* Install an anti-theft device in your car.
5. Some People File Fraudulent or Inflated Claims
Some people believe an accident is an opportunity to make money.
What We're Doing
Aside from having our own special investigative teams to root out fraud, we support legislation to create government-run, anti-fraud units. We're also looking to reduce lawsuits while making sure seriously injured people are fairly compensated through the enactment of meaningful no-fault laws. A good no-fault law allows people injured in auto crashes to receive their appropriate medical and wage loss benefits faster, easier and still pay lower premiums.
What You Can Do
* Understand that using minor bodily injuries to gain a major cash award raises everyone's rates.
* Encourage legislators and insurance officials to enact a good no-fault law.
We've identified 5 primary reasons that keep rates climbing. They're problems we desperately want to solve. And we're hoping you'll help.
1. People Have Accidents
With 40 million accidents in the world each year, insurance costs are hard to decrease.
What We're Doing
By teaming up with other insurance companies and consumer groups to form "Advocates for Highway and Auto Safety," we're working on programs and legislation to impact drunk driving, safety belt use, child safety seat use and speed enforcement. Liberty Mutual also supports the Insurance Institute for Highway Safety's Vehicle Research Center and their crash-test safety research.
What You Can Do
* Drive defensively and within speed limits.
* Support legislation to crack down on drunk and reckless driving.
* Support police in their traffic enforcement efforts.
* Think air bags, automatic safety belts and anti-lock brakes in your next car. In bad weather, drive accordingly. Or don't go if you don't have to.
2. Cars are Expensive to Repair
To repair a totaled $24,815 automobile with manufactured replacement parts, the cost would be more than $71,000 -- and that is not including the $20 to $60 per hour labor costs.*
What We're Doing
We're working to have strong federal bumper requirements reinstated, as well as on legislation to make bumper strength ratings available in new car showrooms. We also believe in fully-guaranteed Quality Replacement Parts. Equal in quality to those from auto manufacturers, they'll keep repair costs, and our rates, down.
What You Can Do
* Support legislation to improve the safety and construction of automobiles.
* Accept guaranteed Quality Replacement Parts as equal to original equipment.
* Buy a car with a 5 mph bumper.
*Property Casualty Insurers Association of America (PCIAA) 2002 study using a 2002 Dodge Grand Caravan Sport vehicle.
3. Medical Treatment for Accident Victims is Expensive
Upward trends in medical treatment costs* in the U.S. have created a health care crisis that cannot be solved by the insurance industry alone.
What We're Doing
We're a strong advocate of meaningful, long-term, health care reform. Short-term we hope to control medical costs by preventing and reducing the severity of injuries.
What You Can Do
* Always use safety belts. Always make those riding with you use them too.
* Make air bags a priority in your next car.
* Drive defensively and to suit road conditions.
* Don't speed.
* And never drive under the influence.
*U.S. Bureau of Labor and Statistics
4. People Steal Cars
As auto theft continues to rise, so will the cost of auto insurance.
What We're Doing
Whether it's helping initiate new laws, participating in auto theft-prevention bureaus that make grants to local police departments fighting serious theft problems, or donating electronic retrieval systems to help police to recover stolen cars, we're at the front in the war on auto theft.
What You Can Do
* Park in well-lit areas.
* Always lock your car and take the keys.
* Install an anti-theft device in your car.
5. Some People File Fraudulent or Inflated Claims
Some people believe an accident is an opportunity to make money.
What We're Doing
Aside from having our own special investigative teams to root out fraud, we support legislation to create government-run, anti-fraud units. We're also looking to reduce lawsuits while making sure seriously injured people are fairly compensated through the enactment of meaningful no-fault laws. A good no-fault law allows people injured in auto crashes to receive their appropriate medical and wage loss benefits faster, easier and still pay lower premiums.
What You Can Do
* Understand that using minor bodily injuries to gain a major cash award raises everyone's rates.
* Encourage legislators and insurance officials to enact a good no-fault law.
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