You did not see it coming. One moment, traffic was moving, and the next, you were sitting in a damaged car trying to process what just happened. After you finally got the other driver’s information and ran it through your insurance company, you got a message saying there was no valid policy. Now the person who caused this is unreachable,…
You feel okay. A little stiff, maybe a headache, but nothing that seems serious enough for an emergency room. You swap insurance information, drive home, and figure you will see how things feel in the morning. By the time the pain sets in, the other side’s insurer is already building a case around the days you waited. At Wells Call…
You are sitting in traffic, moving steadily, when a car cuts across two lanes without signaling and clips your front end. Or maybe you are the one who changed lanes, checked your mirrors, and still ended up in a collision that the other driver is now blaming on you. Either way, the question of who caused the crash becomes the…
It’s one of those worst-case scenarios—getting into a car crash when you don’t have insurance. Maybe your policy lapsed. Perhaps you never got one to begin with. Now you’re hurt, your car is damaged, and you’re wondering, what happens if you have no insurance but the other driver was at fault? To make things more confusing, the other driver caused…
After an accident, you may assume the insurance company will look at the facts and offer a fair settlement. But that’s not how it usually works. Insurance adjusters are trained to evaluate claims in ways that protect the company’s bottom line. So what are they actually looking for? In short, they are looking for anything that can reduce or deny…
