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Collecting Money in Your CT Accident Case When The At Fault Driver Has Little or No Insurance

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

Imagine if someone in your family were seriously injured in a motor vehicle accident or suffered a wrongful death, and the responsible driver was un-insurance or had minimum limits of insurance coverage. The fact that your loved one was seriously injured would be devastating. Finding out that there is little or no insurance to properly compensate that person for their injuries would be catastrophic.

In Connecticut, drivers are only required to carry minimum limits of motor vehicle liability insurance coverage of $20,000 per injured party in each accident up to a total of $40,000 for all injured parties in the same accident.

In this present economy where people are always looking for ways to save money, people when they obtain motor vehicle insurance, generally look no further than what the premium will be in order to determine what type of liability coverage to buy. Therefore, a great number of people purchase the minimum limits of liability coverage. Even worse is the fact that many people choose to operate a motor vehicle without any insurance coverage at all.

So how can you can protect yourself and your family, if you’re involved in an accident who where you are seriously injured, and the other driver who caused the accident, either doesn’t have any insurance or who has insufficient liability coverage to compensate you adequately for your injuries? You can purchase, as part of your own insurance coverage, uninsured /underinsured motorist protection on your own motor vehicle insurance policy.

This type of insurance coverage called uninsured or underinsurance—UM/UIM, as it is frequently called—pays for injuries to you, your passengers, and family members who are injured by another driver who is at fault but who doesn’t carry any liability coverage (an uninsured motorist, or UM) or doesn’t have sufficient insurance coverage to pay for all of your losses (an underinsured motorist, or UIM).

This relatively inexpensive insurance coverage is like buying insurance coverage on all other drivers on the road. You should immediately speak with your insurance agent about greatly increasing your UM/UIM insurance coverage.

There are two basic types of UM/UIM coverage: straight coverage and conversion coverage. Straight UM/UIM coverage allows you to access this coverage only if your UIM coverage is greater than the insurance coverage carried by the at-fault driver. Conversion coverage allows you to access your UIM coverage regardless of the at-fault driver’s insurance coverage. It is strongly recommended that you purchase high limits of conversion UM/UIM insurance.

We strongly recommend that you carry at least $500,000 of UM/ UIM conversion coverage, if not more. You should have UM/UIM limits equal to your liability insurance coverage, and you should never reduce your UM/UIM limits below your liability limits. Again, you may be surprised to learn how little this additional coverage will cost you.

You should also obtain an umbrella or excess liability policy of at least $1,000,000, if not more.

It is important that you speak with your insurance agent as soon as possible so you can review and increase your coverage so that you and your family are properly protected. A serious accident and life altering injuries affect your physical, mental and emotional health but could also bankrupt and/or ruin you financially. Make sure you take the needed steps to safeguard your family’s financial health.

Our firm has decades of experience in representing seriously injured parties and their families and have a great deal of experience in handling underinsured and un-insured motorist cases. Contact us today to a FREE consultation. We will even provide you with our FREE book at no obligation. Call us at 888.842.8466 or visit us at www.hcwlaw.com.

Get Answers to Your Stamford Connecticut Speeding Accident Worries

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

When you are seriously injured in a Stamford  Connecticu sppedng accident you have so many questions. Do you speak to the insurance company of the at fault driver? How do you investigate the Stamford Connecticut speeding accident? Who will interview the witnesses? How are all of your bills going to be paid? Who will pay you while you are out of work?

These are all important questions that need immediate answers. Don’t delay in getting the answers you need. Call us today.

Establishing a violation of Connecticut case law or common law or a Connecticut General Statute or statutory laws can prove determining fault in a Connencticut motor vehicle accident. How people are to operate a motor vehicle are set forth in article 14 of the general statutes. One such section might you able to prove a violation of could be speeding , which states:

Sec. 14-219. Speeding. (a) No person shall operate any motor vehicle (1) upon any highway, road or any parking area for ten cars or more, at such a rate of speed as to endanger the life of any occupant of such motor vehicle, but not the life of any other person than such an occupant; or (2) at a rate of speed greater than fifty-five miles per hour upon any highway other than a highway specified in subsection (b) of section 14-218a for which a speed limit has been established in accordance with the provisions of said subsection; (3) at a rate of speed greater than sixty-five miles per hour upon any highway specified in subsection (b) of section 14-218a for which a speed limit has been established in accordance with the provisions of said subsection; or (4) if such person is under eighteen years of age, upon any highway or road for which a speed limit of less than sixty-five miles per hour has been established in accordance with subsection (a) of section 14-218a, at a rate of speed twenty miles per hour or more above such speed limit.

Our Stamford Connecticut speeding accident and injury lawyers answer client calls and emails promptly so you can get answers to your important Stamford Connecticut speeding accident questions. You can rest assured that your case will get the attention it deserves. We have office locations throughout the State of Connecticut. If you are unable to come to us, we will gladly come to you whether at the hospital, your home or any other location you designate.  Also, many answers to your Stamford Connecticut speeding accident questions can be answered by downloading copy of our FREE book “The Crash Course on Personal Injury Claims in Connecticut”. You can also call us free at (888) 842-8466 or visit us online at www.hcwlaw.com. You can even tell us about your case online and we will contact you. Let us worry about your case, so you can concentrate on getting better.

We Can Relieve Your Bridgeport CT Car Accident Concerns

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

After being involved in a Bridgeport CT Car Accident case you experience a great deal of pain, you are tremendously concerned about what to do and you are scared and anxious about how you will be properly compensated for your losses. These concerns are very common and very real. We are here to help you through this very difficult time.

The first issue that must be proven in a personal injury case is
liability. In other words, you must first show that someone else cause or is responsible for the accident which result in the injuries and damages suffered by the plaintiff. One way that you can establish liability is by proving first that the defendant violated one of the Connecticut General Statues related to fault. One of the statutory sections you might be able to prove was violated by the defendant is:

Sec. 14-222. Reckless driving. (a) No person shall operate any motor vehicle upon any public highway of the state, or any road of any specially chartered municipal association or of any district organized under the provisions of chapter 105, a purpose of which is the construction and maintenance of roads and sidewalks, or in any parking area for ten cars or more or upon any private road on which a speed limit has been established in accordance with the provisions of section 14-218a or upon any school property recklessly, having regard to the width, traffic and use of such highway, road, school property or parking area, the intersection of streets and the weather conditions. The operation of a motor vehicle upon any such highway, road or parking area for ten cars or more at such a rate of speed as to endanger the life of any person other than the operator of such motor vehicle, or the operation, downgrade, upon any highway, of any motor vehicle with a commercial registration with the clutch or gears disengaged, or the operation knowingly of a motor vehicle with defective mechanism, shall constitute a violation of the provisions of this section. The operation of a motor vehicle upon any such highway, road or parking area for ten cars or more at a rate of speed greater than eighty-five miles per hour shall constitute a violation of the provisions of this section.

After being involved in a Bridgeport CT Car Accident case, you need to take a number of steps to strengthen the value of your claim and there are a number of things you could do to harm your case. Find out what to do and what not to do by ordering our FREE comprehensive book “The Crash Course on Personal Injury Claims in Connecticut”. Call us today at (888) 842-8466 or order it online at www.hcwlaw.com. By properly developing your Bridgeport CT Car Accident case from the start, you can increase the amount of money you can get for your injuries.

You’ve Been in an Accident. You are Injured. Do you need a lawyer? What will the lawyer cost? How do you pick a lawyer? What if….?

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

People who are injured in a car, truck, motorcycle or some other type of CT accident generally have questions about their case that are commonly asked of  lawyers. Generally speaking, you should contact an experienced personal injury lawyer if you have been injured in any type of an accident so you can have your rights explained to you and so you can be advised as to what you should do and just as importantly, learn what you should not be doing. If you do not need the services of a lawyer then a reputable and experienced accident lawyer can tell you how you should proceed with your case. Often times, an injured party will first speak with an insurance adjuster who will attempt to greatly compromise the injured person’s case by pointing out potential liability problems, will down play the injuries or will try to convince the injured party that they do not need  the services of a lawyer. It is very important that you first speak with a lawyer so you do not make any critical mistakes in the handling of your claim that can otherwise greatly reduce the value of your case.

Another question that is frequently asked is how much the lawyer will charge to give advice to the injured party. At Hastings, Cohan & Walsh, LLP we never charge for an initial consultation for any injured party. If we decide to take your case then it will be handled on a contingency fee basis which means we are not paid unless we collect money for you. We also understand that many injured people do not have the money to pay for expert opinions, investigative work, medical records and reports and other expenses which need to be paid to develop the case which is why our firm advances all costs. Those costs are repaid to us at the conclusion of your case out of your recovery. If there is no recovery then you will not owe us for our costs and you will not owe us any legal fees. There is no financial risk for you as our firm takes all of that responsibility so you can concentrate on getting better.

If you cannot leave the hospital, a rehabilitative care facility, your home or some other location then we can meet with you. One of our attorneys can drive to a location selected by you so you can tell our attorney the facts of your case so we can determine how we can best help you. If we decide to take your case we can get started on our investigation immediately and will keep you updated as to our progress. We are very accessible and can be reached at our office, via email and on our cell phones after hours and on weekends if you need immediate answers.

Many times people want to know if they will have to go to court and the answer is statistically; no. Most cases settle without the need to go to trial. In many instances, this will be determined by how well your case is investigated and developed, the strength of your case, your injuries and damages, the experience and reputation of your lawyer or law firm and a number of other factors. You will have many questions as you proceed with your recovery and need to get prompt answers to your important questions. We pride ourselves on being very communicative and responsive. We realize this is a very difficult time made worse by physical pain, economic pressures and fear related to uncertainty. We have been doing this for decades and we know what to do and will be there every step of the way to guide you through this process.

We are sometimes contacted by injured people who are unhappy with their current lawyer or who want to switch lawyers and we are asked if this can be done. This answer is; yes, of course. An injured victim of an accident is free to discharge their current lawyer and hire a new lawyer at any step of the case. If our firm decides to take your case where you were represented by another lawyer, we will have you sign a retainer agreement with our firm and we will then deal directly with your old lawyer to get you file transferred over to our office. You will not have to have any further contact with your prior lawyer. Any fee owed to your old lawyer will be paid by our firm without you having to pay any more money than you would have paid your old firm if you left your file there. In other words, if you later hire our firm it will not cost you any extra money than if you kept your old firm.

If you are looking to hire a lawyer and want to get a sense of who might be a good fit for you then you should do some or all of the following: if the firm offers a free book on injury law, get it and read it (our firm offers such a free book); read the lawyers bio; see what awards or recognition the lawyer or firm received; are any of the lawyers  published authors who have received awards (one of our lawyers is a bestselling author); call the firm and speak with one of the lawyers you are interested in hiring and ask all of your questions; schedule a free consultation and get a feel for whether or not this is someone that you want to work with; and conduct whatever other due diligence you deem appropriate.

The most important thing to remember is to contact an attorney as soon as possible so you are protected. So before you hire a lawyer, speak to an insurance adjuster or sign any paperwork, get a copy of our free book “The Crash Course on Personal Injury Claims.”  The book, the call and the consultation are all free. Call us at (888) 842-8466 or visit us at www.hcwlaw.com.


Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

What is my Connecticut accident or injury case worth? This is one of the first questions we are asked at a new client interview by someone who has been recently injured through the fault of another. Recently, there are a number of attorneys who claim to be able to have you input numbers into an injury case evaluator to advise you of the value of your case. If someone claims to be able to tell you the value of your case, right after you have been injured, I would not consider hiring them.

I saw such an evaluation tool online that promised to tell the injured party the value of their case.  I knew what they were going to do in advance but was curious to see how they would go about it. I inputted data about an accident including what happened, the current hospital and medical bills and the injuries sustained. I answered all of the questions asked.  I received an email response indicating that the attorney, who was on the west coast, wanted to talk to me about my CT accident case.

I responded to the lawyer, via email, that I just wanted to get the value of the case. I was told he needed more information and wanted to speak with me. I emailed him back and asked what else he needed. He responded with additional information that was not previously requested. I responded again with the missing data and asked for the value of the case. I received yet another email indicating that evaluating a case was a complicated situation and that he needed to speak with me. I responded via email that he promised to tell me the value of the case but still had not done so.

I then received another email stating that I needed to speak with this certain attorney in CT who was very highly regarded and would be able to answer my questions. I emailed him back and stated that my only question was what the case was worth. This west coast attorney concluded by stating that I needed to speak with this CT attorney. I knew when I first emailed that lawyer, requesting an evaluation, that I could not and would not be given one because there are far too many variables that are missing at the beginning of a case to give any type of meaningful evaluation of the case’s value.

So if you are injured in an accident one of your first questions should be what can I be doing to help increase the value of my case rather than what is my case worth. Our FREE book “The Crash Course on Personal Injury Claims in Connecticut” will tell you what you can be doing to increase the value of your injury case. We even have a chapter entitled “What is my Case Worth” that tells you what factors go into determining the ultimate value of your case.

So if you want free practical answers to your questions and no nonsense advice on what you should be doing, get our book emailed to you today by visiting www.hcwlaw.com. You can also call us at 888.842.8466 or fill out our online form and we can call you. We will even travel to meet with you if you want. The book, the call and the advice are all free. We will even advance all of your costs and only get paid if we collect money for you. Contact us today.

Connecticut Hit and Run Accidents

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

Most Connecticut victims of  hit and run accidents assume that because the person who caused the accident cannot be located that they will not be able to recover money damages for their injuries, some of which can be very serious. There are sources of compensation which may be available to you that could lead to a large financial recovery. Let our experienced personal injury and accident attorneys explain your rights to you and determine what sources of insurance coverage are available to compensate you for your injuries. It is important that you contact us at the earliest possible moment so that a timely investigation can be conducted into the facts of your case.

If you have been injured in a hit and run accident where the driver of the at fault vehicle is later arrested by the police or if the driver cannot be located you have the ability to access certain coverage under your own motor vehicle insurance policy. Every motor vehicle owner in the state of Connecticut is required to carry, as part of their standard insurance policy, uninsured/underinsured motorist coverage. This coverage is like buying insurance protection for all other drivers on the road. You may even be able to access the insurance coverage of certain family members that might provide you with the ability to get additional monies for your injuries.

If the at fault driver cannot be located, or is later arrested but has no insurance coverage, then you can obtain compensation for your injuries by accessing your, or certain family members’, uninsured motorist coverage. If the at fault party is later located and does not have enough insurance to compensate you for your injuries then you might be able to access your insurance policy, or certain family members’, insurance policies for underinsured motorist coverage. Our experienced lawyers will speak with you about your case, either on the phone, at your home or our office or some other location to see what coverage is available to you to provide you with money damages. If you prefer you can fill out our brief online form and we will contact you. We will also promptly investigate matters concerning your case to help maximize your recovery.

Whether you were hit while in your vehicle, as a pedestrian either crossing the street or jogging on a roadway or while riding a bicycle contact us immediately to see how we can help you. It is important that you not delay in contacting our office as you may prejudice your case or make it more difficult to investigate. The call is free, the consultation is free, all cases are taken on a contingency fee basis which means that you pay no legal fees unless there is a recovery and we advance all costs which are only repaid to us if there is a recovery. You have every reason to contact us immediately! Put our experienced team of attorneys to work for you right away. Visit us at www.hcwlaw.com or call us at 888.842.8466. We’ll even give you our FREE book, “The Crash Course on Personal Injury Claims in Connecticut.”

CT Car Accident Cases and Determing Liability

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

Being deeply concerned about your situation after your Connecticut car accident case is very typical. Your body hurts. You cannot sleep, your mind races, how are you going to survive financially? We are here to help take the pressure off you so you can just worry about getting better.

You have probably to come this website looking for information because either you need the help of an accident or injury lawyer or a friend or loved one has been injured or has suffered a wrongful death. We can provide you with FREE assistance and help in one of three ways:

1.     Call us toll free at (888) CT-LAW 00 and speak to us directly so we can answer whatever questions you might have. There is no charge or no obligation for this free call;

2.     Fill out our brief online email form and we will get right back to you so we can answer your questions; and

3.     Request our FREE book “The Crash Course on Personal Injury Claims” by visiting www.hcwlaw.com and filling out our two question request form so you can find out what you should and should not be doing.

People often contact us about their injury cases and want to know what damages they can recover but before an injured party can get to the issue of many damages, they
must first establish the fault of the other party. One way that fault or
liability can be established is by proving a violation of the Connecticut
General Statements that deals with the operation of a motor vehicle. One
such statutory section is  14-233, which reads:

Passing on right. The driver of a vehicle may overtake and
pass upon the right of another vehicle only when conditions permit such
movement in safety and under the following conditions: (1) When the vehicle
overtaken is making or has signified the intention to make a left turn; (2)
when lines of vehicles traveling in the same direction in adjoining traffic
lanes have come to a stop or have reduced their speed; (3) upon a one-way
street free from obstructions and of sufficient width for two or more lines
of moving vehicles; (4) upon a limited access highway or parkway free from
obstructions with three or more lanes provided for traffic in one direction.
Such movement shall not be made by driving off the pavement or main-traveled
portion of the highway except where lane designations, signs, signals or
markings provide for such movement.

Put our decades of legal experience to work for you. Let our Harvard Law School trained negotiator deal with the insurance company. Let us worry about your case so you can do everything you need to do to get better. The call, the book and the consultation are all FREE. Call us at (888) 842-8466. Visit us at www.hcwlaw.com and get additional information or tell us about your case online. We’ll deal with the insurance company, you get well!

Connecticut Motor Vehicle Insurance What Type of Coverage to Purchase

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

By, Connecticut Attorney, Richard P. Hastings

Wading through a myriad of auto insurance policies can be confusing. Each insurance company touts their advantages and it can be hard to compare between the different policies.

Being informed about what to look for and what to avoid can help when you purchase an auto policy or if you have a claim against the policy.

Before you purchase a policy, you should shop around for the best price relative to the best coverage. Perhaps the coverage you should look to spend the most amount of money on is underinsured/uninsured motorist protection which protects you if you are injured by a driver with either no insurance or insufficient limits of liability to compensate you for your injuries.

Your driving record can have either a positive or a negative effect on the premiums. If you have a good record, you can expect that you will pay less for the policy. A poor driving record can increase your premiums by at least 40 percent if you have one at-fault accident. Rather than automatically renew your policy with the same insurer every year, you should investigate annually whether you can get a better rate. Some insurance companies might rely on the odds of automatic renewal and their premiums rates may not be the most advantageous for you.

Another factor in the premium price is your credit rating. A poor credit rating is deemed a risk by auto insurers and is used as a gauge to determine if you are likely to file a claim. The attitude of insurers is that if you are irresponsible with your money, you are likely to be irresponsible driving a car. If you have missed a few payments on financial obligations and this is noted on your credit report, you can expect your premiums will be much higher than if you had a clean credit report.

If you have the misfortune to make a claim against your auto insurance, you need to be aware of the following:

· In the case of a total loss, insurers value your vehicle through any of computerized vendor quotes, value books and the market within your local area. This can lead to undervaluation if replacement vehicles are not available in your area

· If your car is not a total loss, you can file a diminished loss claim. This takes into account that your vehicle will never be the same, even once it is repaired, and will have a value less than an equivalent model of vehicle which has never been damaged

· If you are hit by another driver and the accident is his fault, his insurance policy is supposed to cover damages to your vehicle. In cases where it takes an exorbitant amount of time for the other driver’s insurer to pay, you can claim under your own auto policy and your insurer should take actions to extract payment from the other driver’s policy. Once your insurer has obtained payment, you are entitled to repayment of your deductible on your own policy

· Some insurers will delay making payment on your auto policy just so they can earn money on the investments they have made with premiums. The longer they can hold onto your money, the more money they make

The above is just a sampling of scenarios. There are other tactics employed by auto insurance companies that may ultimately be unfair to you.

If you feel you are being treated improperly by your auto insurer, you should contact an attorney experienced in auto damage claims to ensure that you receive payment you are entitled to.

Before you hire a lawyer, speak to an insurance adjuster, or sign any paperwork contact Hastings, Cohan & Walsh, LLP to get our FREE copy of our book The Crash Course on Personal Injury Claims in Connecticut. Don’t delay, order it today!