Archives for November 2011

How to Evaluate a Car Accident Claim

Typically in a car accident case, the negligent party’s insurance company pays the claims for any injuries or damages. In order to evaluate what your car accident claim may be worth, viewing it as an insurance company does can be helpful.

As a general rule, an insurance company considers the types and cost of damages and the percentage of fault among the parties to determine settlement amounts. The types of damages an insurance company pays for include:

Medical expenses/costs. Medical expenses are a large factor in calculating damage awards, and keeping accurate records of these costs is important to your claim. These costs must be directly related to your injury and can include costs for:

  • Emergency room visits
  • Hospital stays
  • Doctor visits
  • Physical rehabilitation
  • Medication
  • Necessary medical devices

Lost wages. If your injuries cause you to lose work, you may be entitled to recover lost wages.

Loss of earning capacity. If your injuries have reduced your ability to earn an income, you may be entitled to further compensation.

Pain and suffering. Depending on the type of injury, its seriousness, and how long your pain is expected to continue, you may receive compensation for pain and suffering.

Mental anguish. You may also be compensated for mental or emotional distress caused by the accident or your injuries.

Property damage. You may be entitled to recover the value of any property damage and/or have your vehicle repaired.

Insurance companies zealously defend their insured against claims and can be stingy when determining awards. However, claimants with injuries are generally compensated for any costs and losses caused by the car accident. Your Maryland car accident attorney can usually give you a general idea of what your case is worth after reviewing its details. If you or a loved one has been injured in a car accident contact Jonathan Scott Smith online or call 410-740-0101 to schedule a free consultation today.

Building a Roadside Emergency Kit

Unfortunately, many people hit the road in their vehicles without making provisions for an emergency. And chances are the emergency, when it comes, happens late at night on a lonely stretch of highway.

More and more Americans commute, sometimes long distances on a regular basis, and having a roadside emergency kit can do a lot to get you back on the road and headed for home. Regardless of how much or how little you drive, every vehicle should carry an emergency kit, but unfortunately most don’t. To build your own emergency roadside kit, some of the basic items you should include are:

  • 12-foot jumper cables
  • Four roadside flares
  • Motor oil
  • Antifreeze
  • First aid kit
  • Blanket
  • Extra fuses
  • Flashlight with extra batteries
  • Tire inflator
  • Rags or paper towels
  • Duct tape
  • Spray bottle of windshield fluid
  • Pocketknife
  • Ice scraper
  • Pen and paper
  • Help sign
  • Energy bars or MREs
  • Bottled water

Some companies offer a premade emergency roadside kit and, while they contain some basics in a nice carrier, you should consider adding to this with at least some of the items listed above if they are not already included.

Since you are putting the kit together to use in the event of an emergency, it is a good idea to test items and learn how to use them properly beforehand.

After an accident, contact an experienced Maryland car accident attorney

Roadside emergency kits can be especially helpful if you are involved in a motor vehicle accident. However, it is wise to also consult an experienced Maryland car accident attorney after an accident. Contact Jonathan Scott Smith online or call 410-740-0101 to discuss your car accident.

ADDRESS :

  • Jonathan Scott Smith 10490 Little Patuxent Parkway, Suite 200 ,Columbia, MD 21044-4960

  • Call for consultation 410-740-0101