Articles Posted in Insurance

UIM and UM are abbreviations for a type of automobile insurance policy that provides benefits when another driver does not have enough insurance. UIM stands for under insured motorist coverage; UM is an abbreviation for uninsured motorist coverage. In California, all automobile insurance companies are obligated to offer UIM and UM coverage. However, California does…

Hospitals and medical providers often hire companies to investigate medical treatments and medical bills. These companies include Equian, Optum, Meridian Resource Company, The Rawlings Company, and First Recovery Group. They are known as healthcare subrogation companies. Some of these companies exclusively work with particular health care insurance providers. For example, Equian often seeks reimbursement on…

Most personal injury claims are settled after negotiating with the insurance agents and before a lawsuit is filed. This means that most claims settle before an insurance company even retains an attorney to defend the lawsuit. Therefore, in all likelihood initial settlement discussions occur with an insurance claims representative. Insurance companies hire representatives to investigate…

Often, when an insurance company believes they may have to cover a insurance claim, they request a recorded statement. There are two different types of recorded statements: 1) when another person’s insurance company interviews you and 2) when your own insurance company interviews you. While the interviews are very similar, they have different objectives. Recorded…

Having an auto accident and making a personal injury claim can oftentimes be stressful. While you may consider retaining an experienced attorney to assist you with the process and negotiations, you may also decide to work with the insurance company yourself. Here are 5 tips to negotiate with an insurance company or insurance adjuster. Plan…

Anyone who is injured in an accident should consider how much insurance coverage is available. Ideally, the at fault party will have enough insurance to cover the claims. However, this is not always the case. If the at fault party does not provide sufficient insurance coverage, then the injury victims should explore additional avenues of…

Victims of hit and run accidents may be able to recover for their injuries. Simply because the at-fault party is no where to be found does not necessarily mean that recovery is impossible. A personal injury victim may still be compensated for their costs and damages. This article explores certain circumstances that allow victims to…