Personal Injury Protection

Personal injury protection is a type of insurance coverage. PIP will cover injury related damages regardless of who is at fault for the accident.

This means that if you are at fault for the accident you can still file a PIP claim.

This is not the case with other types of insurance.

If your passengers were injured the passengers may also recover damages under the policies personal injury protection policy.

Most people have $2,500 PIP coverage. However, it is important to look at your insurance policy in order determine your coverage limits.

Also note that you may have personal injury protection coverage even if you did not purchase it. Insurance agents must have their policyholders sign a statement waving personal injury protection. If you did not sign this waiver your personal injury protection coverage likely has a $2,500 policy limit.

Insurance companies have their bottom line in mind when they are dealing with claimants. Some personal injury protection policy holders question whether they should file a claim on the policy.

Policy holders worry that their premiums will increase if they file a claim on their policy. While it is impossible to guarantee that your premiums will not increase the best move is likely to file the claim.

The amount of money that you will receive from your policy will likely be much greater than potential premium increase.

Plus, you should not let insurance companies trick you into not receiving the policy benefits that you are entitled to.

If you find yourself in a situation where you are questioning whether you should file a claim you should discuss the situation with a personal injury attorney.

If you need assistance filing the claim speak to the lawyers at Stoy Law Group. We understand how insurance companies operate.

We fight for our client’s right to receive adequate compensation.

Personal Umbrella Protection

Personal umbrella protection, known as PUP, is designed to provide policy holders additional coverage above and beyond the coverage the homeowner’s insurance or car insurance coverage provides.

Personal umbrella protection usually provides up to $1,000,000 of coverage.

Sometimes policy holders are required to hold at least $250,000 of car insurance coverage before they are allowed to purchase personal umbrella protection.

The best way to illustrate how personal umbrella protection works is to provide an example.

Imagine that you are involved in an automobile accident and you are found to be at fault for the accident. The other driver suffered $500,000 of damages. Your car insurance policy has a limit of $250,000. The car insurance will pay the other driver $250,000, but you are still liable for $250,000. Your personal umbrella protection will come into play and cover the additional $250,000.

The personal umbrella protection provides coverage for personal injury, property damage, and various lawsuits such as libel, false arrest and slander.

At this point you may be wondering why you should purchase personal umbrella protection.

There are two main benefits to purchasing personal umbrella insurance.

First, you will not have to worry about finding a way to pay for damages that exceed your policy limit in the event that you are sued. This peace of mind often convinces a lot people that purchasing personal umbrella protection is right for them.

Additionally, personal umbrella protection provides coverage in situations where other policies do not provide coverage. Other policies do not cover false arrest, libel and slander.  If you were sued for these claims you would have no insurance coverage to help you pay for any possible damages.

If you have any questions about personal umbrella insurance that were not answered by this video you should contact the lawyers at Stoy Law Group.

We offer free case evaluations to individuals who are attempting to determine what their legal rights are.

Contact us today. The Warriors For Justice are here to help.

Gap Insurance

The moment that you purchase a new car from a dealership its value decreases. Gap insurance protects policy holders in situations where there is a gap between the value of the vehicle and what you owe on the vehicle.

Many people who purchase new vehicles made the decision to purchase gap insurance coverage because this type of insurance helps you pay off your car after an accident.

When a car is completely destroyed in a wreck, car insurance companies are only required to pay the market value of the vehicle that was destroyed.

Purchasing gap insurance may be a requirement by your lender. This is why it is important to talk to your lender about the requirements of your lease. You can purchase gap insurance from the dealership that sells you the vehicle or you can purchase the insurance from an insurance company after the fact.

Purchasing gap insurance is recommended in several situations.

First, if you are purchasing a vehicle that is very expensive. Also, when you are purchasing a new vehicle without a down payment and owe a significant amount on your car.

You should also consider purchasing gap insurance if do not have any savings to help you in the event that you need to cover the difference between the amount you owe on the loan and the actual value of the car if it is destroyed in an accident.

Of course you should consider how much risk you are willing to take when you consider whether you are going to purchase gap insurance. If you are risk adverse you should consider purchasing gap insurance.

If you have any questions about gap insurance or about your personal injury claim you should contact the lawyers at Stoy Law Group.

We are happy to offer free case consultations to individuals who are trying to determine what their legal rights are.

The Warriors For Justice are happy to fight for our clients.

Emergency Road Services Insurance

Emergency road services insurance, also known as road side assistance, provides coverage for when your car breaks down or will not start.

Every policy is different.

The language of the policy always controls so it is important to read your insurance policy if you have any questions about what services you have access to in the event of an emergency.

Potential services include:

  • jump starting vehicles that will not start
  • assisting with flat tires
  • paying for a locksmith in the event that you lock yourself out of your car
  • bring you gas if you are stranded

It is always a good idea to purchase road side insurance. This insurance policy will prevent you from being stranded in an emergency situation.

There are two different things you should consider when you are considering whether you should purchase emergency road services insurance.

First, you should consider the age of your vehicle. The fact of the matter is that if you have an older car you are more likely to run into a situation where you need emergency roads service insurance.

Also, you should consider the conditions of the roads that you are driving on. If you know that the road conditions are dangerous you should consider purchasing emergency road services insurance.

If you have more questions about whether you should purchase this insurance you can speak to an insurance agent about adding this policy to your insurance coverage.

If you have any questions about emergency road services insurance you can contact the lawyers at Stoy Law Group.

Our firm offers free case consultations to individuals who are attempting to determine what their legal rights are. During your case consultation we can provide you with information about how insurance will impact your personal injury case. We are also happy to answer any questions that you may have about other types of insurance.

Rental Insurance

Rental reimbursement insurance is generally used in three different situations:

  1. when the policy holder was at fault for the caused wreck
  2. when there is a  dispute concerning fault
  3. when the at fault party does not have insurance.

People generally have three main questions about rental reimbursement.

First, people want an example about what happens when rental reimbursement needs to be used. This can be best answered through an example. Imagine that you have been in a car accident. Both parties are disputing about who is at fault for the accident. During the time when the insurance companies are trying to determine who your rental reimbursement insurance policy is at fault for the accident will pay for you to have access to a rental car.

The next question that many people have about rental reimbursement insurance is how long the policy will pay for the policyholder to have a rent car. The answer to this question depends on the damage that the accident caused to the vehicle. If your car is repairable you can get a rental vehicle for the time it takes to repair the vehicle. If your car cannot be repaired the policy will pay for you to have access to a rental vehicle for the amount of time it takes you to acquire a new vehicle.

The last question that people generally have is whether it is a good idea to purchase rental insurance. It is a good idea to obtain rental reimbursement insurance. This insurance will greatly benefit you in the event that you are in an accident and the other parties insurance is attempting to avoid liability for the accident.

If you have rental reimbursement insurance you will be able to have access to a rental car while the insurance company stalls paying your claim.

If you have any questions about how rental reimbursement insurance will affect your personal injury case you should speak to the experienced lawyers at Stoy Law Group.

We are happy to offer free case consultations to individuals who are attempting to determine what their legal rights are.

Customized Parts and Equipment Insurance Coverage

Collision insurance and comprehensive insurance coverage typically only cover “factory” equipment that come with the vehicle. If you have invested money and time improving your vehicle you may want to consider purchasing custom pars and equipment coverage.

Devices, accessories, additions and enhancements that were not installed by the original manufacturer are covered by this insurance. The coverage will protect you in the event that a customized part is damages, destroyed or stolen.

Custom parts and equipment coverage covers everything extra that you add to the vehicle.

Coverage amounts vary from $2,000- $10,000. It is important to note that although this type of insurance is separate from collision and comprehensive coverage, it may fall under the same deductible. A deductible is the out of pocket expenses that an insured must pay out of pocket.

After the deductible has been met the insurance company will pay for any additional damages that the insured has incurred.

Note that this type of insurance coverage is not mandatory, but it can provide peace of mind to individuals who have invested many resources in improving their vehicle.

Custom parts insurance covers rims, special spoilers, suspensions (and any other performance enhancement machinery), paint jobs, aftermarket seats or interior improvements, aftermarkets lights including light racks, entertainment equipment such as installed DVD players and radios, and towing equipment.

If you decide to purchase customized parts and equipment you should ensure that you document all of the money that you have invested in your vehicle. If you do not have documentation which shows the value that you added the insurance company may attempt to rip you off.

If you are having problems dealing if your insurance company you should contact the lawyers at Stoy Law Group.

We are happy to fight an insurance company for our clients.

If you have any questions about how customized parts and equipment coverage applies to your personal injury case you should contact the lawyers at Stoy Law Group. You can also find more information about Customized Parts and Equipment Insurance Coverage in our blog post about how car insurance works.

We offer free case consultations to individuals who need to determine whether they have any legal rights.

Medical Payments Coverage

Medical payments coverage, sometimes referred to as med pay, pays for medical expenses that the insured suffers as a result of an automobile related accident.

Medical payments coverage also pays for medical expenses of any passengers that were riding with the insured at the time of the accident.

It is important to note that medical payments coverage does not cover some expenses that other types of insurance cover such as lost wages. Also, note that it is possible for at fault party to seek reimbursement for payments made to you.

This concept is best illustrated through an example. Imagine that you were involved in a car accident and as a result you suffered $10,000 of damage. You have a medical payments insurance policy that covers $2,000 of your damages. In this scenario, the at fault party can recover the amount of money that this insurance policy provided you.

In this case, the insurance company can recover $2,000.

Due to the possibility of reimbursement from other insurance policies, the at fault insurance company will often immediately ask if you have other insurance policies that are applicable.

Due to the complex nature of insurance policies it may be necessary for you to retain an attorney after you have been involved in a car accident. Your attorney will be able to help you deal with an insurance company who refuses to pay you adequate compensation.

Additionally, your attorney will assist you in any lawsuits that you may be a party to.

If you have any questions about medical payments coverage that were not addressed in this video you should discuss your situation with the experienced personal injury attorneys at Stoy Law Group. You can also read more about Medical Payments Insurance in our blog post how car insurance works.

We offer free case evaluations to individuals who are attempting to determine what their legal rights are. During this consultation we will explain how medical payments coverage will impact your personal injury case.

Contact us today!

Comprehensive Coverage

Comprehensive coverage is a type of insurance coverage. Insurance policies can be confusing.

In light of this possibility, this video is designed to provide you with a basic summary of what types of damages that comprehensive coverage will protect you against. Remember that it is important to take a look at the actual language in your insurance policy. The language in the policy is what controls in the event that you need to seek compensation from you insurance company.

It is important to point out that unlike other types of insurance, comprehensive coverage will cover damage to your vehicle even when your vehicle was not in motion. Other types of insurance do not provide coverage in situations where your vehicle was not in operation.

Also note that comprehensive coverage policies often have deductibles. The deductible is essentially the amount of out of pocket expenses that the policyholder must pay in the event of an accident.

The insurance company will pay for damages that the policy holder incurs which were not paid for by the deductible. Individuals often select high deductibles in order to receive a lower premium payment.

There are a lot of different types of damages that comprehensive coverage insurance can protect you against inducing: theft or vandalism, damages caused by animals, damage caused by natural disasters, and damage caused by falling objects.

If your car has been damaged in a situation that you believe should be covered by your comprehensive insurance you should discuss the situation with the lawyers at Stoy Law Group.

We offer free initial case consultations that are designed to help potential clients determine what their legal rights are.

Additionally, if you have any questions about comprehensive coverage that were not covered by this video feel free to reach out to the experienced personal injury lawyers at Stoy Law Group. You can also find more information on comprehensive coverage in our blog post on how car insurance works.

The Warriors For Justice are ready to fight for you.

Collision Insurance

One type of insurance coverage is collision coverage. If your vehicle is damaged or destroyed while it is in operation this insurance will pay for repairs. Your collision coverage will generally only be applicable in two situations.

First, collision coverage is applicable when you are at fault for an accident and your vehicle is destroyed or damaged. This type of situation is the one that occurs most often.

When you file a claim with your insurance company you will need to pay your deductible. You can find information about your deductible in your insurance policy. People often chose higher deductibles because policy rates decrease as deductibles increase.

Once you pay the deductible your insurance company should pay for the remainder of the damage to your vehicle.

Another situation where collision coverage can be applicable is when fault is contested after a car accident.

In this situation, the policy will cover damages that your car sustained as long as your pay your deductible. Then the insurance company will seek reimbursement from the other party that was involved in the accident. In the event that the other party is found to be liable the insurance company will recover the money that it paid to repair your car, and you will receive your deductible back.

It is important to know how insurance policies can affect you if you have been in an accident. This video addresses collision insurance. We have other videos which will guide you through how other types of insurance may impact your car accident case.

If you have any questions about how collision coverage will impact your car accident case you should contact an experienced personal injury attorney.

The lawyers at Stoy Law Group are happy to answer any questions you may have about your personal injury case.

We offer free case evaluations to individuals who are trying to determine what their legal rights are. Contact us today!

Uninsured and Underinsured Insurance

This video provides a brief explanation of uninsured and underinsured motorist insurance.

If this video does not answer all of your questions you can also read our page and get guidance from our Uninsured or Underinsured Motorist Lawyer. We also have other videos which discuss other types of insurance that may affect your car accident case.

Each of these types of insurance coverages are different so it may be helpful for you to watch each of these videos before you make contact with an insurance company. If you are equipped with knowledge about how insurance coverage works you may have a better outcome when you deal with the insurance company.

Additionally, we are happy to answer any questions that we receive by phone or email from clients or potential clients.

Uninsured motorist (UM) insurance provides coverage in a situation where an individual who does not have insurance negligently injures you in a car accident. Uninsured motorist insurance also provides coverage when a hit and run occurs.

Underinsured motorist insurance (UIM) provides coverage in situations where an at-fault driver has liability insurance but the insurance policy does not provide enough coverage to pay for all of the damages you sustained as a result of an accident.

Insurance coverage can be a complicated subject to understand. Understanding these two types of coverage can be curtail in situations where you suffer injury in a car accident.

The lawyers at Stoy Law Group can explain how uninsured and underinsured coverage will affect you.

The lawyers at Stoy Law Group have years of experience dealing with insurance companies. We will use this experience to help you.

Come to our office for a free case consultation.

We can provide you with an explanation of how uninsured and underinsured insurance coverage will affect your personal injury case. We can also assist you in dealing with insurance companies that refuse to pay you adequate compensation for your injuries.

Contact us today. The Warriors For Justice would be happy to fight for you.

Liability Insurance

If you have been in a car accident you may have many questions about how insurance will affect your personal injury case. In order to know how liability insurance will affect a personal injury case it is important to know a little bit about what is actually covered by liability insurance.

This video provides a brief explanation of liability insurance.

Liability insurance provides compensation to individuals for property damage and personal injury when the property damage or personal injury was caused by the policyholder’s negligence. Liability insurance does not cover damage the policy holder caused to their own vehicle.

In addition, liability insurance does not cover the policy holder’s injuries in the event that the policy holder is responsible for an accident.

One question that we frequently answer is: “what happens if the liability coverage is not enough?”

There are two possible answers to this question.

First, another type of insurance such as underinsured motorist coverage could provide supplemental compensation for the injuries.

Also, the negligent individual who caused the accident can be personally liable for damages that the insurance policy does not cover.

If you have any questions about your insurance policy you can contact the lawyers at Stoy Law Group.

You can also visit our blog to learn more about insurance or you can watch our other videos about different types of insurance coverage.

We have years of experience dealing with insurance companies. We can provide you with assistance in understanding how insurance will affect your personal injury case.

If you have been injured in a car accident we can assist you in filing a claim against the responsible party’s insurance company. If the responsible party’s insurance company refuses to accept responsibility we can assist you in filing a lawsuit against the responsible party.

Let our personal injury lawyers help you fight for the compensation that you deserve.

How Car Insurance Works

This video answers two different questions.

First, the video discusses the concept of full coverage insurance. Full coverage insurance is a made of phrase that refers to a combination of different types of insurance.

If you have any questions about full coverage insurance or if you need help dealing you’re your insurance company, contact the lawyers at Stoy Law Group.

Our team has put together a detailed blog post that goes over how car insurance works as well.

We have been dealing with insurance companies for years. We will use this experience to help you fight an insurance company who refuses to give you adequate compensation.

The next question that this article discusses is how to determine what type of insurance you have.

The best way to determine what type of insurance you have is to take a look at the policy. If you do not have a copy of your insurance policy you can ask the insurance company for a new copy or you can download a new copy online or through a cell phone application.

The policy normally details each different type of coverage that you have.

You can also direct any questions about your insurance policy to the insurance company.

Sometimes insurance policies are confusing. If you have been injured in a car accident you do not want to waste time attempting to determine what type of insurance coverage you have.

This video discusses some basic information that you should know if you are trying to determine what type of coverage that you have.

Take a look at our other videos if you want to learn more about specific types of insurance coverage.

If you have any questions about what type of insurance you have the lawyers at Stoy Law Group are here to help.

We offer free case consultations to individuals who are attempting to determine what their legal rights are. During this consultation we can review your insurance policy with you.

We will take the time to explain what coverage you have and what the coverage means for your personal injury case.