在幾小時或幾天內提出的快速和解報價幾乎總是遠低於索賠的實際價值。像頸部揮鞭傷這樣的傷害,疼痛通常需要數天或數週才能完全顯現。一旦您兌現了那張支票,您通常就不能再要求更多了。在所有50個州,保險公司僅僅因為受害者的年齡而減少報價是違法的。這樣做違反了年齡歧視法和不公平索賠慣例。聯邦法律要求肇事方的汽車保險優先支付(主要付款人)。Medicare是次要的,只有在汽車保險拒絕或用盡覆蓋範圍時才介入。在大多數州,人身傷害的訴訟時效為2-3年,有些州會自動給予70歲以上的老年人額外時間。現在幾乎每個州都採用「比較過失」。只要您的過失低於50-51%,您仍然可以追回對方司機造成的百分比。代位求償讓他們在您與肇事司機的保險公司達成和解後取回他們的錢。錄音聲明用於將您鎖定在一個事件版本中,這可能會在以後損害您的索賠。您在法律上沒有義務提供一份。這些被稱為「替代服務」或「家務服務」損失,在許多州,當您因受傷而無法親自完成這些服務時,是可以報銷的。他們必須支付真實的當地市場價值,而不是某些捏造的「奶奶折扣」。強迫他們出示相同汽車的實際銷售價格通常會一夜之間增加數千美元。救護車不是慈善機構 — 他們的責任保險首先支付,而不是您的醫療保險。不知道這一點的長者最終會收到意想不到的帳單。這是您自己保單上的「秘密保護盾」,大多數長者都付費但從未用過。當對方沒有錢時,UM/UIM就成了您最好的朋友。低速追撞會造成一些最嚴重的頸部損傷。陪審團每週都會為此判出六位數的賠償。在幾乎每個州,家人開車送去看診都可以報銷——請記錄里程並獲得每英里0.67美元或更多。在美國任何地方都沒有秘密的30天截止期限。治療持續數月或數年?如果您的醫生說與事故有關,他們仍然必須支付。您有權在合理的維修期間內獲得一輛同等級的租賃汽車——許多長者樂於駕駛較新的車型數週,費用由對方承擔。十張好照片勝過千言萬語,並摧毀了理賠員喜歡說的「那只是刮傷」的謊言。延遲的疼痛是完全正常的,陪審團也知道——保險公司只是希望您不知道。您無需預付任何費用;律師只有在勝訴時才收取一定比例的費用,而且他們通常會將報價提高三倍。合法停車 = 在每個州自動承擔0%的過失,句號。無論您的尾燈是否壞了,或者您把貓留在車裡。他們在尋找舊傷來推卸責任。提供20年的記錄是損失數千美元最快的方法。一旦應用程式開啟,您上了車,Uber 和 Lyft 的百萬美元保險就會率先介入——比司機的個人保險好得多。每一次藥物自付額、一副破損的眼鏡、助行器、拐杖,甚至助聽器電池——100% 可報銷。保留收據!衣服、珠寶、助聽器、假牙、手機——您身上攜帶的任何東西都像飛機上的行李一樣受保。這些「獨立」檢查是由保險公司購買和支付的。他們的工作是撰寫一份報告,幫助拒絕您的索賠。失眠和焦慮是真實的損害——當您每天寫一份簡單的日記時,陪審團會為此判給巨額賠償。鏟雪、跑腿買菜、遛狗——如果您平常會做,但現在無法,肇事司機應支付合理費用。酒駕或魯莽的司機可能會被處以懲罰性賠償金——有時為了懲罰他們,會使您的總賠償金額翻倍或三倍。雨、冰、缺失的標誌或施工現場的照片證明了道路本身也是事故原因,並阻止了責任轉嫁。許多州禁止保險公司在非過失事故後提高您的保費——如果他們這樣做,請致電您的保險專員。大多數和解協議只針對「已知」的傷害——新發現的問題,如椎間盤突出,之後仍可提出索賠。寵物是財產—獸醫費用應以破損筆記型電腦的方式支付。沒有駕照=即時證明過失。陪審團會加重懲罰,和解金額也會增加。助行器、支架、取物器、沐浴椅——任何醫生說您因事故需要的东西都可以全額報銷。理賠員會追蹤Facebook——您攜帶雜貨的一張照片就可以使您的精神損失費減半。一封印有律師信頭的信件會讓保險公司非常害怕,以至於報價經常在一夜之間翻三倍。合法停放的車輛=零過失,就這麼簡單。他們應該全額賠償您的維修費和租車費。當涉及金錢時,文件就會「消失」。請保存您自己的完整資料夾—雲端+紙本。他們不能因為您退休了就強迫您開一輛小車—您有權利獲得與您損失車輛相同等級的車輛。隱藏的瘀傷在數天內變成黃色、紫色、綠色在法庭上很有價值。陪審團喜歡照片時間軸。研究和數十年的索賠數據顯示,有律師代表的長者即使扣除律師費後,也能獲得3-5倍的賠償金。You scored 0 out of 40You scored 1 out of 40You scored 2 out of 40You scored 3 out of 40You scored 4 out of 40You scored 5 out of 40You scored 6 out of 40You scored 7 out of 40You scored 8 out of 40You scored 9 out of 40You scored 10 out of 40You scored 11 out of 40You scored 12 out of 40You scored 13 out of 40You scored 14 out of 40You scored 15 out of 40You scored 16 out of 40You scored 17 out of 40You scored 18 out of 40You scored 19 out of 40You scored 20 out of 40You scored 21 out of 40You scored 22 out of 40You scored 23 out of 40You scored 24 out of 40You scored 25 out of 40You scored 26 out of 40You scored 27 out of 40You scored 28 out of 40You scored 29 out of 40You scored 30 out of 40You scored 31 out of 40You scored 32 out of 40You scored 33 out of 40You scored 34 out of 40You scored 35 out of 40You scored 36 out of 40You scored 37 out of 40You scored 38 out of 40You scored 39 out of 40You scored 40 out of 40
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您已經支付了數十年的保險費。但是當事故最終發生時,保險公司會公平對待您,還是悄悄利用許多老年人不知道自己完整法律權利的事實?這份由一位為數千名老年司機奮鬥的車禍律師編寫的開眼問卷,測試了區分公平和解與低價報價的確切知識。了解鮮為人知的保護措施,例如「老年人友好」的訴訟時效、保證的醫療支付覆蓋範圍,以及禁止保險公司利用您的年齡對付您的規定。在不到3分鐘的時間內,找出您是否為事故做好了準備,還是不知不覺地脆弱。您多年的小心駕駛值得小心的保護——立即開始測驗。








