If you have full coverage auto insurance, you might think that means you’re fully covered in case of an accident. But that’s not really the case. Typically, people assume that having “full coverage” means having coverage for both your property damage and bodily injury. What the insurance company does not state is that you may not have full coverage but only the minimum requirements which could only be a combination of policies that have limited coverage. This means, that if you get injured in an accident, or if your car is totaled, you won’t be compensated unless you have additional insurance. That’s where a lawyer can help. At Ghosheh Law, we can make sure that you get the fair compensation you deserve from any and all insurance policies we can leverage on your behalf. If you are shopping for car insurance quotes or if you are researching the topic because you or a loved one was in a wreck, read on.

Most people don’t realize that all insurance policies have limits and that insurance companies will do everything they can to stay far below the limits when they issue payments after a car accident. When you shop for car insurance quotes it is important to keep this in mind. When you are in a wreck, this is the reason why it’s important to have an experienced car accident lawyer on your side, like the Ghosheh Law team. We know how to identify the limits and will negotiate relentlessly with insurance companies until we get you the full amount of compensation you’re entitled to.

In order to get fair compensation, you need a lawyer who knows how to investigate an accident and determine all the factors that contributed. At Ghosheh Law, we have a team of experienced investigators who will work tirelessly to build a strong case on your behalf.

After a car accident, most people are focused on getting their car repaired and dealing with their injuries. The last thing they want to think about is dealing with insurance companies. That’s were we step in. We will work with your insurance company to get your car repaired or replaced. And if you’re injured, we will work with your health insurance company to make sure your medical bills are paid. Including ones who do not have insurance we will still make sure medical bills are covered. [what if the client doesn’t have health insurance?] But we won’t stop there. If the other driver was at fault, we will also look for additional insurance policies that can be used to get you the compensation you deserve.

In addition to full coverage, we recommend that you look into Uninsured Motorist Insurance (UM). This type of insurance will protect you in case you’re hit by a driver who doesn’t have insurance. It’s good to include UM coverage in your car insurance quotes because you never know when you might need it. It can also cover any injuries that exceed the policy limits of the driver who was at fault. For example, if you were hit by a drunk driver and your injuries were over $25,000, you can get stuck paying the excess medical bills even if you sue the other driver because their limit was only $25,000. But if you have UM on your policy, it can potentially cover the deficit. So it’s not just for uninsured motorists’ coverage; it’s also for insured motorists who may hit you. The Uninsured Motorist also known as UM, is an at-fault driver who doesn’t have any auto insurance, with UM coverage this protects you from any injuries and damages caused by the uninsured party. A hit-and-run driver would also be considered an uninsured motorist.

 

Another extra you should shop for is Med Pay. Med pay is affordable and can help you pay your medical bills after an accident regardless of who was at fault. It’s a good idea to include this in your car insurance quotes because it can help you cover the deductible on your health insurance policy or any co-pays that you might have. If you don’t have health insurance, Med Pay can be used to pay for any medical too, so long as your injuries are car accident-related. This coverage is effective regardless of which driver is at fault.

 

Understanding what can happen in an accident while you are shopping for car insurance quotes can help you avoid unpleasant surprises down the road. But if you are reading this and are already involved in an accident, know that we have you covered with experience and a passion for justice. At Ghosheh Law, we understand how confusing and frustrating it can be to deal with insurance companies after a car accident. That’s why we’re here to help. We will work tirelessly on your behalf to make sure that you get the full compensation you deserve. Contact us today for a free consultation.

 

All drivers are required to carry auto insurance. If you have full coverage Car insurance, you might think that means you’re fully covered in case of an accident. But that’s not really the case. Typically, people assume that having “full coverage” means they have coverage for everything including UM coverage. What the insurance company does not state is that you may not have full coverage but only the minimum requirements which could only be a combination of policies that has limited coverage. Meaning, If you get injured in an accident, or if your car is totaled, you won’t be compensated unless you have additional insurance. That’s where a lawyer can help. At Ghosheh Law, we can make sure that you get the fair compensation you deserve from any and all insurance policies we can leverage on your behalf. If you are shopping for car insurance quotes or if you are researching the topic because you or a loved one was in a wreck, read on.

Most people don’t realize that all insurance policies have limits and that insurance companies will do everything they can to stay far below the limits when they issue payments after a car accident. When you shop for car insurance quotes it is important to keep this in mind. When you are in a wreck, this is the reason why it’s important to have an experienced car accident lawyer on your side, like the Ghosheh Law team. We know how to identify the limits and will negotiate relentlessly with insurance companies until we get you the full amount of compensation you’re entitled to.

In order to get fair compensation, you need a lawyer who knows how to investigate an accident and determine all the factors that contributed. At Ghosheh Law, we have a team of experienced investigators who will work tirelessly to build a strong case on your behalf.

After a car accident, most people are focused on getting their car repaired and dealing with their injuries. The last thing they want to think about is dealing with insurance companies. That’s where we step in. We will pull your BuyCrash report, or police report for the accident and work with your insurance company to get your car repaired or replaced. And if you’re injured, we will work with your health insurance company to make sure your medical bills are paid. Including those who do not have insurance, we will still make sure medical bills are covered.  But we won’t stop there. If the other driver was at fault, we will also look for additional insurance policies that can be used to get you the compensation you deserve as quickly as possible to make sure you get your fair share.

In addition to full coverage, we recommend looking into Uninsured Motorist Insurance (UM). This type of insurance will protect you in case you’re hit by a driver who doesn’t have insurance. It’s good to include UM coverage in your car insurance quotes because you never know when you might need it. It can also cover any injuries that exceed the policy limits of the driver who was at fault. For example, if you were hit by a drunk driver and your injuries were over $25,000, you can get stuck paying the excess medical bills even if you sue the other driver because their limit was only $25,000. But if you have UM on your policy, it can potentially cover the deficit. So it’s not just for uninsured motorists’ coverage; it’s also for insured motorists who may hit you. The Uninsured Motorist is also known as UM, is insurance for an at-fault driver who doesn’t have any auto insurance. With UM coverage you are protected from any injuries and damages caused by the uninsured party. A hit-and-run driver would also be considered an uninsured motorist.

 

Another extra you should shop for is Med Pay. Med pay is affordable and can help you pay your medical bills after an accident regardless of who was at fault. It’s a good idea to include this in your car insurance quotes because it can help you cover the deductible on your health insurance policy or any co-pays that you might have. If you don’t have health insurance, Med Pay can be used to pay for any medical too, so long as your injuries are car accident-related. This coverage is effective regardless of which driver is at fault.

 

Understanding what can happen in an accident while you are shopping for car insurance quotes can help you avoid unpleasant surprises down the road. But if you are reading this and are already involved in an accident, know that we have you covered with experience and a passion for justice. At Ghosheh Law, we understand how confusing and frustrating it can be to deal with insurance companies after a car accident. That’s why we’re here to help. We will work tirelessly on your behalf to make sure that you get the full compensation you deserve. Contact us today for a free consultation.