Getting Top Value from an Insurance Carrier for a Damaged Car after Accident

June 20, 2015

Building a Case for compensation in  Rhode IslandRecovering from injuries as a result of an auto accident that was not your fault is a bad enough experience all on its own. However, finding out that the insurance carrier covering your claim is reducing the amount they are offering to pay on your damaged vehicle can turn your headaches into a nightmare. Fortunately, there are ways to negotiate top value for your damaged vehicle to make sure that the insurance company provides you enough funds to purchase a suitable replacement.

First and foremost, filing an insurance claim on your own can be more than just a hassle. You will be required to fill out forms, write and send demand letters, make quick decisions and negotiate your own out-of-court settlement. If the amount the insurance adjuster is offering is too low, you will likely need to file a lawsuit in civil court. This is why many victims of a car accident in Rhode Island will hire a RI personal injury attorney who specializes in automobile accidents. The Providence motor vehicle accident lawyer will handle every detail of the claim or lawsuit for compensation.

Building a Case for compensation in Providence Superior Court

A skilled Bristol car accident lawyer working on your behalf will build a solid case for compensation to ensure all of your damages are paid for. In addition to receiving adequate funds to replace or repair your damaged vehicle, your attorney will seek compensation for your injury-associated medical expenses, funds for your pain and suffering, and recovery of all your lost time away from work while you heal.

Building a case requires gathering and preserving evidence from the scene of the Cumberland or Coventry car accident. This typically involves photographs of the scene, the vehicles involved and roadway conditions at the time of the collision. In addition, the Johnston or Cumberland negligence lawyer will obtain the officer’s name who wrote out the accident report and speak to others present at the time to obtain their eyewitness accounts.

Your Riverside or Rumford tort attorney will protect your rights to get top dollar for your damaged vehicle from the insurance carrier. The East Providence automobile crash lawyer does this by having your vehicle properly evaluated by certified auto body repair shops to determine if the car is totaled or can be repaired for less than its value. In addition, the Woonsocket or Wakefield law firm working on your behalf will ensure you receive a rental car during the time your Newport, Burriville or Tiverton auto collision lawyer and the insurance carrier are negotiating the costs of repairing or replacing your car.

Determining the Car’s Value

Determining the actual worth of the vehicle can only be done by calculating its value prior to the accident. If you recently bought new tires, installed the new stereo or purchased value-added upgrades at the time of its purchase, your Pawtucket vehicular wreck lawyer will need to ensure you are fully compensated. Your Johnston, Lincoln or North Providence lawyer will ensure your rights are protected to choose the auto body shop you desire to rebuild, restore or repair your damaged vehicle.

In addition, you may need to seek compensation for any personal property damage in the accident that was not your fault. While Kelly Blue Book, Edmunds and other companies provide accurate and up-to-date information on the value of new and used vehicles, the worth of personal items damaged in the accident will also need to be determined by other means. This could include computer equipment, digital cameras, clothing and other items.

By law, you may be entitled to receive the full dollar amount of all of your property that was damaged or totaled in the accident. However, proving the case of full compensation to the claims adjuster or in front of a judge and jury is best left to the professionals. A Pascoag, Portsmouth or Narragansett personal injury attorney can calculate an accurate pre-accident market value of your vehicle and its post-accident salvage worth in the event it is totaled. Your Rhode Island (RI) lawyer will negotiate with the insurance carrier using information based on the facts, evidence and eyewitness testimony of those who witnessed your accident.


Rhode Island & MA Auto Accident Attorney | David Slepkow

September 14, 2014

RI Personal Injury LawyerAm I required to file an accident report with the State of Rhode Island after a RI motor vehicle crash?

If you were involved in a Rhode Island auto accident involving injury or property damage of over $1000 then you must file a report of the RI motor vehicle accident. The auto accident attorneys at Slepkow Slepkow & Associates, Inc. help our clients fill out these RI auto accident reports.

If you were injured in a Rhode Island and Providence Plantations or Massachusetts car accident then it is crucially important that you have a RI personal injury lawyer on your side through every step of the process fighting for your legal rights.

R.I. Gen. Laws § 31-26-6 states “§ 31-26-6 “Drivers required to make written reports. – The driver of a vehicle involved in an accident resulting in injury to or death of any person or in which the damage to property of any one person, including himself or herself, in excess of one thousand dollars ($1000) is sustained, shall, within twenty-one (21) days after the accident, forward a written report of the accident to the division of motor vehicles, on forms provided by the division of motor vehicles.” http://webserver.rilin.state.ri.us/Statutes/TITLE31/31-26/31-26-6.HTM”

The Westerly* Rhode Island police have provided this accident report form online here

What types of damages am I entitled to as a result of a RI Auto Accident Accident or Massachusetts car wreck?

You should retain a Rhode Island auto accident attorney or a MA automobile accident lawyer immediately after the automobile collision.

You may be entitled to lost wages, lost earning capacity, damages for pain and suffering as well as reimbursement for medical bills. You may be entitled to compensation for future pain and suffering, property damage and future medical expenses as well as other damages.

Are motorists in Rhode Island legally required to have uninsured and underinsured motorist automobile accident coverage?

No. but the insurance company must provide underinsured and uninsured motorist coverage to its insured in an amount equal to the liability coverage. However, the consumer may reject this coverage but it must be rejected in writing at each renewal. Uninsured motorist coverage is important in the event of a RI hit and run accident or a motorist who let his coverage lapse for nonpayment. Other drivers have suspended licenses or never had a license.

If you were injured in an auto accident in Rhode Island with in uninsured motorist then you need to immediately retain a Rhode island uninsured motorist Auto accident attorney or a Providence underinsured motorist lawyer.
§ 27-7-2.1 Uninsured motorist coverage. – (a) No policy insuring against loss resulting from liability imposed by law for property damage caused by collision, bodily injury, or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless coverage is provided in or supplemental to the policy, for bodily injury or death in limits set forth in each policy, but in no instance less than the limits set forth in § 31-31-7 under provisions approved by the insurance commissioner, for the protection of persons insured under the policy who are legally entitled to recover damages from owners or operators of uninsured motor vehicles and hit-and-run motor vehicles because of property damage, bodily injury, sickness, or disease, including death, resulting from that injury, sickness or disease. The insurer shall provide uninsured motorist coverage in an amount equal to the insured’s bodily injury liability limits. The named insured shall have the option of selecting a limit in writing less than the bodily injury liability coverage, but in no event less than the limits set forth in § 31-31-7, unless the named insured is purchasing only the minimum coverage required by compulsory insurance provisions of the general laws, in which case the limit can be reduced to zero, but only after signing an advisory notice approved by the director of business regulation concerning the hazard of uninsured and underinsured motorists. That coverage shall also apply in the case of a responsible party whose liability insurance carrier was insolvent at the time of the accident or became insolvent subsequent to the accident. http://webserver.rilin.state.ri.us/Statutes/title27/27-7/27-7-2.1.htm


Are Insurance companies in Rhode Island required to provide minimum coverage for medical payments?

Pursuant to Rhode Island Injury law insurance companies must provide no fault medical payment coverage in an amount of $2500 and $5,000 aggregate. However, motorists in Rhode Island may reject the coverage.

Ҥ 27-7-2.5 Minimum coverage РMedical payments. http://webserver.rilin.state.ri.us/Statutes/title27/27-7/27-7-2.5.HTM

Will I be provided a rental car by the insurance company after a Providence auto accident?

Your own insurance company will be required to provide you with a rental car while your motor vehicle is being repaired if you purchased rental car coverage from your insurance company. If you do not have rental car coverage then the at fault driver’s insurance company may pay for your rental vehicle. In many instances you will need to wait until you get your injury and accident settlement until you get reimbursed for your rental car expense.

*Westerly, Rhode Island is near Wakefield, Charlestown, Bradford, Ashaway, and Hopkinton Rhode Island. According to Wikipedia, “Westerly is a town on the southwestern shoreline of Washington County, Rhode Island, United States. Founded in 1669 by John Babcock, it is a beachfront community on the south shore of the state. The population was 22,787 at the 2010 census. The town is part of the Norwich–New London, Connecticut, New England city and town area.” http://en.wikipedia.org/wiki/Westerly,_Rhode_Island

Legal Notice per Rules of Professional Responsibility: The Rhode Island Supreme Court licenses all lawyers and attorneys in the general practice of law, but does not license or certify any lawyer / attorney as an expert or specialist in any field of practice. While this firm maintains joint responsibility, most cases of this type are referred to other attorneys for principle responsibility.