Automobile and Homeowners' Insurance
Most insurance policies are complex documents with
hundreds of terms and conditions, written in such a way as to protect
the insurance company rather than you. However, Nierman Law, P.L.C. is
familiar with the laws that protect consumers and is ready to help you.
We help people handle disputes over insurance coverage in a range of
situations including:
Our firm is dedicated to providing you with the
support you need to take on your insurance company and demand the
benefits for which you paid. We have the knowledge and experience that
is necessary to carefully review your policy and determine your rights.
Automobile Insurance
While all motorists are required to carry a
minimum amount of automobile insurance, there are many aspects to your
insurance policy.
Liability automobile insurance coverage refers to
the amount of benefits you can collect from the insurance company that
covers the person that caused your injuries and damage. This coverage
provides for medical expenses, pain and suffering, lost wages, as well
as property damage and rental car expenses.
Medical Payment coverage pays for medical expenses
for you as well as people in your household and car. It is important to
coordinate the use of this coverage with your health insurance policy.
Using this coverage may also increase the amount you ultimately recover
by requiring your insurance company to help you pay for your expenses
in making a claim against the person who caused your injury.
Uninsured Motorist coverage applies when the
person that caused your injuries does not carry automobile insurance.
This coverage provides for medical expenses, pain and suffering, lost
wages, and other damages.
Underinsured coverage provides compensation for
your injuries if the other driver was at fault and has insurance, but
does not have carry enough insurance to pay for your damages. Like
Uninsured Motorist coverage, this coverage provides for medical
expenses, pain and suffering, lost wages, and other damages.
Comprehensive and Collision insurance coverage pays for damages to your
own car regardless of whether or not you were at fault.
If you are involved in any type motor vehicle
accident or loss, Nierman Law, P.L.C. can help you to maximize your
recovery by utilizing all available coverages. Please visit our Client
Stories page to read about our firm’s experience with
automobile insurance claims.
See also Motor Vehicle Accidents.
Homeowner's Insurance
The standard homeowner's insurance policy provides
two basic forms of coverage.
First, there are benefits to help you pay for
repairing or rebuilding the home when it is damaged by fire, wind or
some other destructive events. Most homeowner's policies also provide
benefits for damage to personal property. Some policies have
replacement cost coverage, which allows you to replace your damaged
items with brand new items without a deduction for depreciation.
While items with special value, such as jewelry or
works of art are usually either not covered or covered by a limited
amount, you may pay extra for additional provisions or policies to
insure these items. Titled vehicles, such as automobiles or
motorcycles, are typically covered under a separate policy if they are
destroyed or damaged by fire.
Second, most policies also provide liability
protection in case of the homeowner's negligence. In
other words, if you are injured by someone else, you may be able to
recover your damages from their homeowner’s policy. The policy may also
provide medical payments coverage should anyone who is not a member of
the homeowner's household become injured on the insured premises,
regardless of negligence.
Nierman Law, P.L.C. is experienced in helping
people making both types of claims. Please visit our Client
Stories page to read about our firm’s experience with
homeowner’s insurance claims.
Getting Help
You pay for these coverages so that when the time
comes your insurance company will quickly uphold their promise to
resolve your claim. Unfortunately, your insurance company works for
their own best interests, which means that a team of adjusters and
lawyers will work to limit the amount of benefits paid to you. You need
Nierman Law, P.L.C. on your side to protect your rights.
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