B &B

Being in a car accident as a passenger can be a horrifying experience. One moment everything is fine, and the next you are disoriented, checking to make sure that you have not been harmed. If you have ever had this experience, then you are aware that the last thing on a person’s mind is “what to do for insurance”. However, as many of us have lived through this harrowing experience–and represented others who have as well–we can share some key information to remember in the event that you find yourself in an accident as a car passenger. When you’re the passenger of a car accident, you can do one of three things: File a claim with the other driver’s insurance company File a claim with the driver of the vehicle you were in File a claim with your insurance FILE A CLAIM WITH THE OTHER DRIVER’S COMPANY. This is called a third-party injury claim. Usually in an accident where you are a passenger, filing a claim against the other driver is the first line of defense. Most states require drivers t

There is no universal settlement formula. However, insurance companies must determine the value of a claim many times given the   millions of car crashes  that happen each year in the United States. Unfortunately, in many cases, the amount offered by the insurance company is far below the actual value of a claim. For this reason, anyone hurt in a car wreck should contact a St. Louis car accident lawyer as soon as possible. WHAT IS THE DIFFERENCE BETWEEN SPECIAL AND GENERAL DAMAGES? Car accidents have two types of damages, special (economic) and general (non-economic). Special damages are financial losses, including medical costs, repair costs to damaged property, and the cost of not working. General damages are often more subjective and include harm that cannot quantifiably be calculated. The calculation takes a qualitative approach. General damages include pain and suffering, lower quality of life, and emotional distress INSURANCE COMPANIES USE A GENERAL SETTLEMENT FORMULA. The genera