Question by violetsky: Can we bill the medical expenses to a preschool for accident occurred at their facility?
My daughter injured her elbow back in August 2009 from the slide at the preschool she’s in. Can I bill my deductible and copay to the preschool? What is the law for preschool injuries. Can they prevent any liability just by saying – accidents do occur?

Update on this questions per March 2010:
The only answer I got on this question was: Yes, accident DO take place and move on with your life.

While contemplating on what to do, I went ahead and asked anyway. I asked the possibility of obtaining reimbursed of any medical bills occurred. Of course I asked very nicely and non-forcefully. 1 of the Qs I had for the school was: “Is this school covered by any insurance?” The answer was: “Yes we are, and go a head fill out this form and our insurance will take care of it” So the school paid for a +/- $ 500 bill without having any dilemma. There were no difficult feelings my child currently is still going to the exact same school. So, my two cents: Don’t be afraid to ask anyway!

Greatest answer:

Answer by rye252000
And I agree, definitely the school is responsible. We take our youngsters to day care to be supervised and resonably taken care of. If they are injured although in there care the bills must be covered. Pain and suffering would also be covered if it was a serious injury.

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Technorati Tags: Accident, bill, expenses, facility, Medical, occurred, preschool, their

Question by David: how a lot income will i get from being in a automobile accident?
last night i was in automobile accident some guy hit my vehicle from the back speeding, i filed my claim with my insurance “explorer” and the other did too he was at fault my insurance stated and the police report did too, we both hav liability, he has “mercury” insurance and nicely theiir sappose to call me soon to tell me what theyre gonna offer you me and stuff my insurance adjuster said. how much do you guys feel ill get or what will occur? i miss my automobile its infront of my property towed i dont want it fixed i rather just purchase a new one. any one ever been in this circumstance? please help?

Very best answer:

Answer by Lydia Swann
It depends on the quantity of damage

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Question by Josh Isaacs: Got into an at fault accident with no liability insurance, what is going to happen? – North Carolina?
Today I was driving to get my insurance reinstated. I was in a car accident just a few weeks back which set me back on my bills. On my way to the insurance office to pay for the reinstatement I was in a car accident. Some people were outside fighting and in the desire to get away I didn’t pay attention and hit someone. Both cars had to be towed away. I am 20 years old and a college student with absolutely no money. My car had collision but the liability was canceled for the reasons stated above. I just want to know what the process is and what type of penalties I am looking at so I can prepare for them
And please, don’t put any remarks such as “well you should have had insurance”
I know that. It was a mistake on my part that I was trying to correct when the accident occurred. I don’t need the extra annoyance of some jerk telling me what I should have done. What is done is done, I just need to know what to do now.
thank you all
All of you that are talking to me about how I raise your rates, etc. I know I made a mistake by not having insurance. It is not something I would normally do but I did not have the money to pay the payment due to a previous wreck I had which would have kept me from going to school and supporting myself. I was ON MY WAY to pay the payment to get it reinstated. It just happened to be my luck to get in the accident before I could do so. I know going without insurance is wrong and you shouldn’t be driving without it, but I was doing the best I could with what I had. Forgive me for being human and making mistakes, but everyone makes mistakes. When you are down on your luck and things aren’t going right, even if it is your fault, you look for support and not criticism. I was looking for a little support so that I could help myself in the situation I have got in, and help the woman whom I hit.
I understand I will have to pay out of pocket. I do not own anything that the insurance company can

Best answer:

Answer by Peedlepup
Without liability coverage you will have to pay for the damages out of you own pocket. If you don’t someone, either the other party or their insurance carrier, will sue you and get a judgment against you. That judgment will be good for 10 years, and can be renewed for another 10 years. You may have no money now, but surely you will acquire assets they can attach over the course of the next 20 years.

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Question by K: Fractured Left Femur – Car Accident?
I fractured my left femur, tibia, ankle, and some bones in my foot in a motor vehicle accident. My party was not liable. We were stopped in traffic and rear-ended by a drunk driver at a very high speed. The man who hit us died and apparently he only had some kind of California state required “liability insurance” and had left no money behind. Anyway, how much do you think I should be able to get from this “liability insurance” company for my pain and suffering? I now suffer from post-traumatic stress disorder, chronic pain and clinical depression. This car accident kind of fucked up my life. Not to mention hospital bills up the ass.. – THANKS any info on how much money I should be able to get would be greatly appreciated.

Best answer:

Answer by Karnage
Whatever you can milk out of it.

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http://www.FresnoPersonalInjuryFirm.com – Attorney Lee Arter explains why you should contact an attorney before the insurance company contacts you about an accident. The Law Offices of Lee Arter handles all accident injury cases including Car, Truck and Motorcycle Accidents, Medical Malpractice, Product Liability, Dog Bites, Slips, Trips, Falls, Wrongful Death, Boating Accidents, Construction Accidents, Defective Product Injuries, Work Accidents and more in Fresno, California. You can contact Mr. Arter at 800-785-9924.

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Technorati Tags: Accident, attorney, Bite, California, Car, Death, Defective, Dog, Fall, Farm, Fatal, Fresno, injury, Insurance, Liability, Malpractice, Medical, Motorcycle, Personal, Premises, Products, Slip, Trip, Truck, Wrongful

Owning a car is a wonderful thing. The fact that you can go anywhere at anytime is one of the best feelings in the world. There is one thing however that every driver needs and that’s insurance. Finding cheap auto insurance quotes for yourself can be quite a hassle, but through diligent research you should have no problem finding information.

If you want to find cheap auto insurance quotes you should look for them on the internet. Shopping online for the best quotes will not only get you many different comparisons, but will save you from being swindled. Finding a quote through an agent may help you find a quote, but at what cost. Many of these salesmen are so good they can talk you into spending money on coverage that you may not need. For that reason going online is the best way to go. However it will not be easy. If you want the best quotes you will have to do some serious work, but in the end it will pay off big.

You might consider your search beginning with low prices from the different companies providing insurance. You should always be on the look out for the auto quote companies that will try and swindle you out of money. The larger companies that you might have heard of like State Farm, Geico, and Allstate you have to be careful with. Also the smaller companies like Farmers Insurance Group and the local companies that are in the town you live in. All these companies will be trying to offer you the best services and quotes, but you must be stern in your decision. So be careful.

Competition may be the great equalizer in choosing a company to do business with. Because competition will make the businesses fighting for your business lower their price to beat the others you should have no problem finding a good auto quote. While the fighting for position is going on you should be writing down which companies are starting to lead the pack. The better companies should now be showing and you should now be narrowing down your choices, but what’s next?

What type of insurance do you want? There are many types of coverage out there for you to choose from. So before you make your final choice be sure of what coverage will fit you. The basic coverage many people will get is liability coverage. In many states this is the minimum coverage required. This type of coverage will pay for property damage when you are at fault and will also cover bodily harm. Many times this coverage pays for court costs and legal fees.

The next one is comprehensive coverage. It is normal, if you finance or lease your vehicle, that companies will require you to have this type of insurance. This type of coverage covers more items than the basic does. With comprehensive coverage you will be covered in cases of theft, fires, and many other possible disasters that Mother Nature can throw at you. The third coverage type is collision coverage. Not required by the insurance company, collision covers you in unfortunate accidents when you are in a collision. This ranges from any auto accidents to you running into a fence.

The last thing that must talked about is honesty. You should be honest in your everyday life, but at least be honest to the insurance company. Hiding accidents that you had in the past will get you into nothing but trouble. The auto insurance companies are going to do their homework on you and search your background and driving history. So why lie about if they will find out anyway. If you do happen to get caught lying they have rights to deny you of your coverage.

After searching for cheap auto insurance quotes you don’t want to much and you shouldn’t. Finding the right quote and making the decision to buy that quote should not come at the expense the money in your wallet. So do your research and you should have no problem finding what you need.

If you need to obtain cheap auto insurance quotes right away or if you are searching for more good information about cheap auto insurance just visit this website: http://www.InsuranceQuotes.info This article, Finding Cheap Auto Insurance Quotes is available for free reprint.

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Technorati Tags: Accident, Auto, auto insurance, business, driver, family, finance, home, Insurance, internet, Liability, liability insurance, property, safety, vehicle

Insurance is the concept that covers all aspects of your life. It generally happens that the people may land up with wrong decisions regarding the insurance quotes for their automobiles because of the fast pace in their life due to which they do not have time to search for the best cheap automobile quotes for them. If you are among those and now in search of the cheap auto insurance quotes then you need to take in some extra efforts for the process. Given below are some tips and method that can be used by the people to have cheap auto insurance quotes. Identify your requirement: automobile insurance plans are used to cover carious types of insurances. Different companies offer different insurance schemes for different automobiles. Like the automobile that may range from car, motorbike, scooter, bus, truck, minivan, etc, the automobile insurance plans may also widely. Insurance plans for car are very different from the insurance covers that are offered for motorbikes. Therefore, first of all it is very necessary for the customer to identify his requirement first.

Comparison Shopping: if you want to save a great deal of your money and want to make an intelligent decision then you need to do the comparison shopping. This requires some efforts but the results are long lasting. Different companies offer different policy rates for the same insurance plans. These plans are made on the capability of their customers. They determine in advance that what types of claims can their customers make and when. They also determine how much it is going to cost them. So the customers should also be smart and make the comparisons very intelligently.

Lower Claims Costs: this factor is the most important factor that determines how the individuals can lower down their auto insurance quotes. Always remember that if you are having the deductibles of around $500 or $1500, then you have to spend more money in case of an accident. But this process saves more time. For the older cars that have a very little value, this scheme can help to make and drop the collision and the comprehensive coverage. This will help in getting even lower cheap auto insurance quotes. So, always make sure that you drop the coverage if you have an automobile whose value is less than the 10 times that was the annual insurance cost.

Discounts available: there are many discounts that are offered by the companies but they vary form company to company and from customer to customer. These discounts are generally offered so that they can have more customers. Special discounts are offered to the regular customers. Moreover if you have insurance for more than one product in automobiles then you may have more discounts.

You can then avail discounts like free drive accident insurance or free ticket for the time period of the 3 years. This is applicable if you drive less than the 10,000 miles in a year or if you are their long-time customer. It is therefore necessary for the customers to keep their eyes and ears open while choosing for the cheap auto insurance quotes. The customers should also have complete knowledge about the various discount offers that are provided by the company from time to time.

If you would like to obtain cheap auto insurance quotes now or if you are looking for good free information about cheap auto insurance just visit this website, click here: www.InsuranceQuotes.info This article, Cheap Auto Insurance Quotes is released under a creative commons attribution licence.

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The world is facing a severe economic crisis and everyone around the world are having to save as much money as they can, especially in the U. S. Obtaining cheap auto insurance quotes will curb your expenses and one can keep that saved money for emergencies. However, just because one is facing a money crunch does not mean they should let their insurances lapse. It is better to have some insurance taken seriously by the authorities and also in times of real crises and hardship.

It does not matter what sort of car you own, the fact is that vehicular up keep costs are huge, taxes also continue to rise and gas prices are no less. In some states, sitting behind the wheel and going out on the road without your insurance amounts to a punishable offense. One has to at least have the minimum required insurance.

One way of shopping extensively without too much hassle is through the Internet. You can compare prices instantly through one interface. The Internet can throw up a wide selection of information that is quite good, actually.

Today, we are in a market of buyer which means you are on top and your decisions to purchase something can raise or end its run. The fact is all are looking for some gains or rather to simply stay in business. Just the fact that you are a customer is reason enough for the company to initiate talks with you. You can rest assured that you will get quotations as per your requirement! Always ask for the discounts that you are entitled to as customer. There could also be some promotional incentives; all you have to do is ask!

Of course, you have to read the fine print, no matter if you are paying less for the insurance. Often, because of the low rate being offered to you, companies could leave out vital coverage or include clauses that would not be relevant to you. That would result in your paying a rate not justified for what you are getting. Note that low premiums can cover different areas.

Further, they could add points that may not be relevant to your requirements. At times, there could be a hidden expense which will be told to you later such as service fee charged by the company for doing paper work! These are all important things.

Finally, it will all boil down to your past driving record. Getting affordable insurance actually depends on your history as a good driver! This is true; if in the future you manage to have an accident as the driver, you can be indefinitely asked not to apply for low insurance and that in the future, you will have to always apply for high end and premium insurance.

The question remains, who is eligible for cheap auto insurance quotes? Well, just about everyone. Students opt for this as it saves them money while allowing them to keep a safety net. Even unemployed people can benefit from this. The person who has insurance will be safe.

If you want to obtain cheap auto insurance quotes today or if you are looking for more good resources about cheap auto insurance just visit this website: http://www.InsuranceQuotes.info This article, Cheap Auto Insurance Quotes: How It Can Help You is available for free reprint.

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Technorati Tags: Accident, Auto, auto insurance, business, driver, family, finance, home, Insurance, internet, Liability, liability insurance, property, safety, vehicle

Getting free auto insurance quotes is the first step towards getting your car insurance. A quote will give you a good idea of how much you are going to have to pay for the policy that you get, and it is important that you get as many quotes as possible in order to give yourself the best base for comparison that you can.

The first thing that you need to make sure of when you are looking for car insurance quotes is that you try to get as many as possible. Not only will this allow you to sift through all of the quotes to get a good price, but it will also allow you to compare all of the different policies for the best level of coverage that will suit you and your vehicle.

In order to get these free quotes there are a number of things that you need to consider. One of the good things is that they are certainly free, and you are not going to be required to pay any sort of fee to simply get a quote. This allows people to gather multiple quotes from which to make their choice.

The first thing you need to do when you are looking to get your quotes is to gather together all of the information that the insurance companies will need. The more accurate information you are able to provide, the more accurate your quote will be. Whilst a lot of people are worried about identity theft, you will need to provide a lot of personal information to get an accurate quote.

Of course, if you are truly concerned about identity theft, then it is a good idea to get a quote over the phone. However, the one problem with this is that it does tend to take a lot of time in offering up all of your information over the phone to an agent only to get a single quote.

If you are looking to be as efficient with your time as possible then using the Internet is going to be your best option. Of course, if you are truly concerned about identity theft then this may not be the best choice for you, but if you want to make the process as quick as possible and gather numerous quotes at once then using a comparison site is your best bet. You should also be aware that any decent site will be well protected against identity theft so you should not be concerned by this.

Of course, it may well be best to combine a few different techniques in order to get your free quotes. Whilst you will be able to benefit from quantity when you get your quotes from a comparison site, you will be more likely to benefit from quality if you do go directly to a company. In addition, there are many top insurance companies that do not advertise their products through comparison sites, and as such you will need to go direct to them if you want to get a quote.

If you use these methods and gather as many quotes as possible you will give yourself the best chance of getting the best policy to suit you.

If you wish to compare free auto insurance quotes right away or if you are searching for more useful information about auto insurance quotes just visit this website: http://www.InsuranceQuotes.info

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Technorati Tags: Accident, Auto, auto insurance, business, driver, family, finance, home, Insurance, internet, Liability, liability insurance, property, safety, vehicle

*New York State Auto/Car Insurance Coverage Laws Explained

We have two types of insurance in New York State required of every motor vehicle. One deals with no fault insurance, which pays for medical benefits, lost wages, and some out of pocket expenses, regardless of fault. The other is liability insurance and they are not the same.

What I want to urge each of you, is that you cover yourself as well as someone who is involved in a car accident with you. And by that I mean, if you carry $100,000 worth of liability insurance, your protecting me, if you hit me with your car.

If you get into a collision with another car, and you only have $25,0000 worth of underinsurance coverage, then you’re protecting yourself only to the extent of $25,000. It pays for you to make certain that your underinsurance rates are as high as your regular insurance coverage. The cost is minimal and the protection is priceless.

Now with no-fault insurance your medical expenses are paid. Within 30 days of the auto accident, you are required to notify your insurance company that you have been involved in a automobile accident. They will assign a claim number to your case. You will give that claim number to any treating doctor/physician or any other medical provider and they will bill your insurance company directly regardless who is at fault in this car accident. Your insurance company will submit you to a physical examination by a doctor of their own choosing in about 30 days after you start receiving benefits.

That doctor is not there to help you, that doctor is not there to cure your illness, that doctor is there to report to your insurance company on the progress of your healing. He works for the insurance company, not you.

*What To Do After a Car Accident
If you have been injured in an accident visit our site to determine the steps to follow after a car accident http://www.stephanpeskin.com/CM/Custom/CarAccident.asp and/or download our “Accident Report Card” PDF http://www.stephanpeskin.com/CM/Custom/accidentreportcard.pdf

Call us toll-free at 877.298.3201 to schedule your free consultation with an experienced New York City personal injury/car accident lawyer.

For your convenience, we offer home and hospital visits. Our attorney and staff can provide you with the immediate attention you need to secure your rights and claims. Call today.

The New York City (NYC) personal injury law firm of Tolmage, Peskin, Harris & Falick represents clients in all five boroughs of New York (NY): Manhattan/New York County, Staten Island, Queens, Brooklyn/Kings County and the Bronx, as well as Suffolk County, Nassau County/Long Island, Westchester County, Rockland County, Harlem and throughout the State of New York.

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