You are not required to know the law.  An insurance company that may have to pay for treatment and/or pain and suffering is surely not going to volunteer this information to you.  In fact, insurance claims adjusters will try everything in their power to prevent you from getting this knowledge.  When was the last time you remember an adjuster suggest that you consult an attorney?  You're right.  NEVER.  They don't suggest it for a reason.

Only an aggressive yet caring attorney can inform you of your legal rights.  Many insurance companies are like two-faced friends.  On the one hand, they act like they are helping you out in a time of need, yet inside they are hoping you don't contact an attorney to find out your legal rights.  Nothing bothers me more than when I hear, "That insurance company really treated me nicely after my accident."  Call our office to find out the truth.  It probably will surprise you.

I have seen many people try to resolve their own insurance problems.  This is a FATAL error when negotiating any insurance claim. 

First of all, an insurance company makes a lot of money by selling as many policies as possible and paying out as little as possible after an accident.  When you make a claim against an insurance policy (something you are rightfully entitled to do, because you or someone else paid the premiums), you are basically asking the insurance company to cut their profits.  Just imagine the likelihood of a large corporation cutting their profit margin to help you out in the time of need.  It's plainly not going to happen.

Did you know that anything you say can be used against you after an accident?  It is essential that you tend to the injured and cooperate with police and emergency personnel.  However, don't, under any circumstances, admit responsibility for the accident.

Your insurance company or the other driver's insurance company may and probably will immediately call after they learn of your involvement in an accident.  They probably will be acting very friendly.  They will try to lure you into a casual conversation.   However, they are probably frantically writing on the other end.

Do the wise thing.  Tell them to contact your lawyer.  Remember, what you say can come back to haunt you!

The force of even the slightest collision can cause severe injuries.  Lots of times you may not even know about them until a year or two down the line.

You see, often times, an insurance company will send you to a doctor they have paid for to evaluate your condition.  Guess what their results usually show?  You got it, "no injuries noted, exaggeration of conditions, etc."  Surprise...Surprise.   You see, the theory is, if the doctor doesn't find anything wrong, the insurance company won't have to pay anymore for your treatment.

You can see the problem already.  If Dr. IME is paid a lot of money to evaluate many of insurance company's patients over many years, Dr. IME will earn a sizable income.   If too many of Dr. IME's findings say that, "Yeah, this patient has a potentially severe medical condition," then Dr. IME loses a lot of business because XYZ Insurance Company won't refer as many patients to him/her.  I'm not telling you that all doctors that insurance companies hire are giving false reports.  I'm just telling you that there are some bad seeds, just like any profession.  Don't check your common sense at the door.  Remember who is paying their fee.  Don't just take his or her word for it. 

If you hurt, you need to find out what is wrong.  DO NOT, under any circumstances, rely solely on one doctor's evaluation, especially if your auto insurer is footing the bill.

The No-Fault Auto laws are complex.  You are not required to know them.  The insurance companies know them, and they use this imbalance of power against you.  You should have someone explain them to you in a concise, easy to understand way.