If you were hurt in a car accident and the police report reveals that responding officers consider you at fault, you’re probably wondering whether you can still take legal action. The short answer? Yes.   Police reports are not always accurate. They are written by human beings, who are capable of making mistakes.  What’s more, police officers may not have all of the facts when they write their reports. For example, they may not have interviewed all the witnesses or … [Read more...]

At some point when reviewing your auto coverage, you may have come across the term "excluded drivers.” An excluded driver is someone who is not covered under the policy and is therefore not permitted to drive the insured vehicle.  Unfortunately, however, that doesn’t always stop them from getting behind the wheel. And if they happen to cause an accident when they do? It’s much like an uninsured motorist causing a crash.  If you were hit by an excluded driver or your own vehicle … [Read more...]

If you were recently involved in a car accident but your injuries don’t seem too severe, you may be inclined to sign a private settlement letter. As an alternative to filing a formal insurance claim, signing a private settlement allows the at-fault party to pay the victim out-of-pocket for any damages that result. As appealing as bypassing the claims process might sound, though, there are a few major reasons to avoid agreeing to a private arrangement. Read on to learn what they are: 1. You … [Read more...]