Skip to main content
All Posts By

Tina Westveer

The Role of Car Insurance in Your Accident Claim

By Car Accident

Many people mistakenly believe their insurance company should be the first point of contact after an accident. While car insurance is crucial for protection, it is important to remember that they may not always prioritize your best interests. Before speaking with any insurance company, reach out to Fielding Law. Our team can help you navigate the complexities of dealing with insurance companies, ensuring you receive the support and compensation you deserve.  

Understand Your Coverage  

It is important to familiarize yourself with the type of coverage your vehicle has to understand how you are protected.  

Liability Coverage  

This is the minimum amount of coverage required by law. Liability insurance does not cover your own damages and injuries, but it helps pay for damages and injuries you cause to others in an accident. 

MedPay Coverage 

Optional coverage that can be added to an auto insurance policy. It covers medical expenses for you and your passengers if injured in a car accident, regardless of who is at fault.  

Uninsured/Underinsured Motorist Coverage  

If you are hit by a driver without car insurance, uninsured motorist coverage can help pay for your medical bills and repairs to your vehicle. If the driver who hits you has insufficient insurance to cover all your medical expenses, underinsured motorist coverage can help. 

Personal Injury Protection (PIP) 

Known as ‘no-fault insurance,’ it covers medical expenses for you and your passengers, along with other costs incurred after an accident. 

The Role of the Opposing Adjuster  

The opposing adjuster’s job is to deny or minimize liability for the person at fault in an accident. They aim to reduce the amount paid out in claims, often challenging the extent of damages and injuries. This is where your attorney steps in, advocating for you to make sure you receive fair compensation for your losses. 

Mistakes to Avoid When Talking to Insurance 

Limit Conversations: Let your attorney handle all communication. Never discuss the accident, admit fault, or talk about injuries with the other party’s car insurance company. 

Stay Off Social Media: Avoid oversharing details online that could jeopardize your case. 

Be Aware of Insurance Investigations: The other party’s adjusters will conduct their own investigations to downplay the extent of your injuries. They may hire a private investigator to watch your interactions. 

Do Not Accept the Initial Settlement Offer: Allow your attorney to negotiate a higher settlement. Insurance will always initially offer you less than what you deserve. 

How Fielding Law Can Help? 

You can trust our team at Fielding Law to have your best interest in mind and fight for the compensation you deserve. Our mission is to take the weight of legal complexities off your shoulders so you can focus on your recovery. Call us at 833.88.SHARK for a free legal consultation, available 24/7.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 24, 2024
Love0
lump sum and a structured settlement

The Difference Between Lump Sum and a Structured Settlement

By Personal Injury

Navigating the aftermath of a personal injury case can be overwhelming. One of the biggest decisions you will face is choosing between receiving your settlement in a lump sum and a structured settlement. Understanding the difference between these options is crucial to making the best choice for your financial future.

How Do I Receive My Settlement?

MorandaPlay Video

What is a Lump Sum Settlement?

A lump sum settlement means you receive your entire settlement amount in one payment. This option offers several benefits:

  • Immediate Access to Funds: You get all your money at once, allowing you to pay off large expenses right away.
  • Financial Control: You have complete control over how to use or invest your settlement.
  • Flexibility: You can use the funds for any purpose, from medical bills to purchasing a home.
However, a lump sum payment also has its downsides:
  • Risk of Overspending: Receiving a large amount of money at once can lead to poor financial decisions.
  • Tax Implications: Depending on your situation, a lump sum could have tax consequences.

What is a Structured Settlement?

A structured settlement provides regular payments over a set period. This option offers different advantages:

  • Steady Income Stream: You receive consistent payments, which can help with budgeting.
  • Reduced Risk of Overspending: Regular payments minimize the risk of quickly depleting your funds.
  • Tax Benefits: Structured settlements often come with favorable tax treatment.
However, there are also disadvantages to consider:
  • Limited Immediate Access: You do not have all the money at once, which can be challenging if you have large immediate expenses.
  • Less Flexibility: Structured settlements are less flexible in terms of how and when you receive your money.

Why Hire Fielding Law?

Choosing between a lump sum and a structured settlement is a significant decision. At Fielding Law, we understand the complexities involved and are here to guide you through the process. Our compassionate and capable team will ensure you understand your options and help you make the best decision for your financial future.

Making the Right Choice

Deciding between a lump sum and a structured settlement depends on your personal circumstances and financial goals. Here are some factors to consider:

Immediate Financial Needs: Do you have large debts or significant immediate expenses?

Long-Term Financial Goals: Are you planning for future expenses, such as education or retirement?

Spending Habits: Are you disciplined with money, or do you struggle with budgeting?

Tax Considerations: What are the potential tax implications of each option?

By carefully considering these factors, you can make a more informed decision that aligns with your financial needs.

Contact Fielding Law Today

At Fielding Law, we are committed to helping you secure the best possible outcome from your personal injury settlement. Whether you choose a lump sum or a structured settlement, we are here to provide expert guidance and support. Contact us today at 833.88.SHARK to discuss your settlement options with one of our experienced attorneys.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 21, 2024
Love0
Language Barriers in Personal Injury Claims

Overcoming Language Barriers in Personal Injury Claims

By Personal Injury

Navigating the legal system after a personal injury can be daunting, especially for immigrants who face language barriers in personal injury claims. Misunderstandings and miscommunications can hinder the process, leading to delays or even the denial of rightful compensation. At Fielding Law, we understand these challenges and are here to help. We have a diverse team of attorneys and staff who speak Spanish, Portuguese, Tagalog, Italian, and Hindi, ensuring that language is never a barrier to getting the justice you deserve.

Understanding the Importance of Clear Communication

Clear communication is vital in personal injury cases. Accurate and timely information can significantly impact the outcome of your claim. If you are not fluent in English, you might miss crucial details or fail to convey important aspects of your case. Here are some common issues immigrants face due to language barriers:

  • Difficulty Understanding Legal Terms: Legal jargon can be confusing, even for native English speakers. For non-native speakers, it can be nearly impossible to grasp without assistance.
  • Miscommunication with Medical Providers: Proper documentation of your injuries and treatment is essential. Misunderstandings with healthcare providers can result in incomplete or inaccurate medical records.
  • Challenges in Gathering Evidence: Communicating with witnesses or obtaining statements can be problematic if there is a language barrier.
  • Complicated Negotiations: Discussing settlements or negotiating with insurance companies requires clear and precise communication.

Tips for Overcoming Language Barriers

Overcoming these challenges requires proactive steps. Here is how you can ensure language barriers do not prevent you from obtaining the compensation you deserve:

  1. Seek Legal Help from Multilingual Attorneys
    • At Fielding Law, we have a team of attorneys and staff who speak Spanish, Portuguese, Tagalog, Italian, and Hindi. Our multilingual team can help you understand your rights, guide you through the legal process, and communicate effectively with all parties involved in your case.
  2. Use Professional Translation Services
    • If your attorney’s office does not offer translation services, hire a professional translator. Accurate translation of legal documents and medical records is crucial.
  3. Bring a Trusted Friend or Family Member
    • Having someone you trust who speaks both your native language and English can be invaluable during meetings with your attorney, doctors, or insurance adjusters.
  4. Request Documents in Your Native Language
    • Whenever possible, ask for important documents to be translated into your native language. This ensures you fully understand all aspects of your case.
  5. Take Notes and Ask Questions
    • Do not hesitate to take detailed notes during meetings and ask for clarification if you do not understand something. Your attorney is there to help you, and it is essential to be clear on every detail.
  6. Educate Yourself About the Legal Process
    • Familiarize yourself with the basics of personal injury law and the claims process. This knowledge can help you ask better questions and understand your attorney’s explanations.

Why Choose Fielding Law?

At Fielding Law, we are committed to providing compassionate and effective legal representation for all our clients, regardless of language barriers. Our diverse team is dedicated to helping you navigate the complexities of your personal injury claim with ease. We pride ourselves on being approachable, empathetic, and highly capable of securing the compensation you deserve.

When you work with us, you are not just another case number. We take the time to understand your unique situation and tailor our services to meet your specific needs.

Contact Fielding Law Today

If you or a loved one has been injured and is facing language barriers in personal injury claims, do not hesitate to reach out to Fielding Law. We are here to help you every step of the way. Call us at 833.88.SHARK (833-88-4275) for a free legal consultation with one of our multilingual attorneys. Let us help you overcome language barriers and get the justice you deserve.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 20, 2024
Love0
drive a Jeep without doors

Is It Legal to Drive a Jeep Without Doors?

By Car Accident

Jeeps are popular for their rugged design and off-road capabilities. Many owners enjoy the freedom of driving their Jeeps with the doors off, especially in sunny California and Arizona. But is it legal to drive a Jeep without doors in both states? Let us explore the laws and safety considerations to ensure you stay compliant and safe on the road.

Legal Implications of Doorless Jeep Accidents

If you are injured in an accident while driving a Jeep with the doors off, it could potentially impact your case. Insurance companies and legal entities may consider various factors, including the safety measures taken and adherence to state laws. While you can drive a Jeep without doors on is generally legal in California and Arizona, failure to comply with safety regulations could be used against you in a legal proceeding.

Mirror Requirements and Safety Considerations for Doorless Jeeps

Mirrors:
    • California and Arizona laws require vehicles to have at least one rearview mirror.
    • Ensure your Jeep has functional side mirrors if you remove the doors, as the factory mirrors are often attached to the doors themselves.
Safety:
    • Driving without doors can be risky. Always wear your seatbelt and ensure all passengers do the same.
    • Consider adding aftermarket mirrors and safety features to enhance visibility and protection.

Risks of Driving with Doors Off:

Limited Protection: Without doors, occupants have reduced protection in case of a collision or rollover. Doors provide structural integrity and act as a barrier in accidents.

Ejection Risk: In the event of a sudden impact or rollover, occupants without doors are at a higher risk of ejection from the vehicle, leading to serious injuries.

Exposure to Elements: Doorless Jeeps expose occupants to the elements, such as rain, wind, and debris, which can pose safety hazards, especially at high speeds.

Safety Features to Consider for Doorless Jeeps:

Aftermarket Roll Bars: Installing roll bars can enhance structural stability and provide additional protection in case of a rollover accident.

Harness Seat Belts: Upgrading to harness-style seat belts can offer better restraint and protection for occupants when driving without doors.

Side Mirrors: Adding additional side mirrors or extended mirrors can improve visibility, compensating for the loss of factory mirrors attached to the doors.

Vehicle Stability Control: Some modern Jeeps come equipped with stability control systems that can help maintain control and stability, especially in challenging driving conditions.

Why Hire Fielding Law?

At Fielding Law, our dedicated team is committed to helping you navigate any legal challenges that may arise during your Jeep adventures. We provide expert legal advice and support to ensure your rights are protected and you receive the compensation you deserve. Contact us at 833.88.SHARK for a free 24/7 legal consultation. We are here to assist Jeep owners after an accident with any legal questions or concerns.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 19, 2024
Love0
Orange County Fair Injuries

How to Prevent Common Orange County Fair Injuries

By Assault, Burn Injury, Car Accident, Pedestrian Accident, Personal Injury, Premises Liability, Public Entity, Slip or Trip and Fall

The highly anticipated Orange County Fair is just around the corner, promising a month of unique treats and rides. As one of the summer’s highlights for many Orange County residents, it is a time for fun and excitement. At Fielding Law, we want to ensure you are well-prepared for any unexpected injuries that might occur. 

Common Injuries at County Fairs  

Parking Lot Accidents  

Fairground parking lot accidents can occur due to various factors, including the high volume of vehicles, limited visibility, impatient pedestrians, and distracted drivers.  

Shark Tip: Be prepared for sudden stops and watch out for pedestrians walking in between cars. 

Ride Malfunctions  

Mechanical defects or operator errors can play a factor in ride malfunctions which can put riders in danger.  

Shark Tip: To avoid preventable injuries, carefully follow the ride operators’ instructions and adhere to all safety guidelines. 

Slip, Trip, and Falls  

Given the numerous food vendors and dusty grounds, hazards are inevitable. Spilled food and drinks, ride debris, and uneven surfaces can lead to injuries. 

Shark Tip: Watch your step and be attentive of any caution signs in walkways. Avoid distracted walking to protect yourself and others. 

Assault  

The combination of inadequate security and excessive alcohol consumption can lead to aggressive behavior from strangers. 

Shark Tip: Stick with a group of trusted friends and avoid excessive alcohol consumption. 

Allergic Reactions

Eating fair food can pose several risks, including foodborne illnesses from improper handling or potential allergic reactions due to cross-contamination. 

Shark Tip: Make your allergies known to food vendors and always carry your medication with you. 

How to File an Injury Claim  

Start by seeking medical attention and reporting the incident to fair officials immediately. Be sure to document everything, including photos, and witness contact information. Establishing liability can be intricate due to the involvement of various parties such as the county, vendors, and ride operators. Make sure you speak with an attorney immediately to preserve evidence for your complex case. Be aware of strict notice requirements and deadlines for claims against government entities. Expect potential challenges, such as disputes over liability and severity of injuries. Get in touch with our attorneys at Fielding Law so we can handle the complexities while you focus on your recovery.  

Why Fielding Law?  

At Fielding Law, we understand accidents can happen anywhere at any time. Our team of trusted attorneys is available 24/7 for a free legal consultation. Our goal is to make your path to justice as smooth as possible. Call us at 833.88.SHARK if you are injured at the Orange County Fair.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 18, 2024
Love0
Cambiar de abogado

¿Puedo Cambiar de Abogado de Lesiones Personales?

By Español

En California y Arizona, existen regulaciones para garantizar que los clientes tengan derecho a cambiar de abogado de lesiones personales cuando sea necesario. Sin embargo, es esencial comprender el proceso y considerar varios factores antes de cambiar de abogado. 

Revise Su Contrato 

El contrato que tenga con su abogado le informará de cualquier cargo que pueda necesitar cubrir si decide terminar la relación. Ser consciente de estas obligaciones financieras es esencial para determinar si el cambio es financieramente en su mejor interés. El contrato puede contener instrucciones sobre cómo terminar formalmente la relación abogado-cliente, asegurando que usted siga los pasos adecuados. 

Consideraciones Antes de Cambiar de Abogado 

  • Estatuto de Limitaciones

    Antes de cambiar de abogado, considere el estatuto de limitaciones en su caso. Los retrasos entre la transición de los abogados pueden ponerlo en riesgo de perder plazos cruciales 

  • Obtenga una segunda opinión

    Considere la posibilidad de obtener una consulta gratuita de otra empresa. Esta conversación puede ayudarlo a obtener una mejor perspectiva sobre si cambiar de abogado es beneficioso. Explorar sus opciones le dará la confianza para tomar una decisión informada. 

  • Revise su caso 

    Discuta sus dudas e inquietudes con su abogado. Tal vez una conversación transparente sea todo lo que necesita para solucionar cualquier problema que pueda tener en relación con su caso. 

Consejos para Encontrar el Mejor Abogado 

  • Revisa las reseñas

    Los testimonios de los clientes y las calificaciones en línea brindan información valiosa sobre la reputación, la confiabilidad y la tasa de éxito de un abogado.   

  • Revise los resultados de sus casos

    Revisar el historial de un abogado puede darle una idea de si puede manejar un caso como el suyo..   

  • Revise su experiencia

    Antes de decidirse por un abogado, asegúrese de que se especialice en el tipo de representación que necesita. Un abogado especializado aporta conocimientos y experiencia cruciales para lograr el mejor resultado posible en su caso. 

¿Por qué Fielding Law? 

Con nuestro compromiso inquebrantable con la justicia y nuestra firme creencia en una comunicación clara, puede confiar en nuestro equipo de Fielding Law para apoyarlo en cada paso del camino. Estamos aquí para guiarlo a través de cualquier complejidad legal que pueda surgir en su búsqueda de justicia. Permítanos manejar los desafíos para que pueda concentrarse en la recuperación y llámenos al 833.88.SHARK. 

Nota: La información proporcionada es para fines educativos y no constituye asesoramiento legal. Siempre consulte con un abogado calificado para inquietudes legales.

June 17, 2024
Love0
Modified Car Insurance

Is Your Modified Car Fully Protected?

By Car Accident

Car modifications can enhance performance and personalize your vehicle, but they also raise questions about insurance coverage. If you have modified your car in California, it is crucial to understand how these changes impact your insurance policy. Learn the essentials of modified car insurance coverage and what you need to ensure your modifications are covered.

Understanding Modified Car Insurance Coverage:

What Are Car Modifications?
    • Modifications include any changes from the manufacturer’s original specifications.
    • Common modifications: upgraded sound systems, custom paint, performance enhancements, and more.
Does Standard Insurance Cover Modifications?
    • Most standard policies do not cover modifications automatically.
    • You need to inform your insurer about all modifications to ensure coverage.

What Do I Need to Be Covered?

  1. Notify Your Insurer:
    • Always report modifications to your insurance company.
    • Failure to disclose modifications can lead to claim denials.
  2. Get an Appraisal:
    • Have your modifications professionally appraised to determine their value.
    • This ensures accurate coverage and compensation in case of damage.
  3. Update Your Policy:
    • Ensure your policy reflects the modifications and covers their replacement value.
    • Consider purchasing additional coverage or a specialized policy for modified cars.
  4. Keep Documentation:
    • Maintain detailed records and receipts for all modifications.
    • Documentation helps in filing accurate claims and verifying the value of modifications.

Will I Be Covered for Injuries if I Do Not Have the Right Coverage?

Without the appropriate coverage, you may not be fully protected in the event of an accident. Lack of coverage can result in out-of-pocket expenses for medical bills and vehicle repairs, making it crucial to discuss your insurance needs with your provider to avoid gaps in coverage.

Potential Coverage Issues:

Undisclosed Modifications:
    • Not reporting modifications can lead to claim denials.
    • Insurers may refuse to cover damages related to undisclosed changes.
Increased Premiums:
    • Modifications can increase your premiums due to higher repair costs.
    • Discuss potential premium changes with your insurer before making modifications.
Specialized Insurance Policies:
    • Consider modified car insurance policies tailored to your vehicle.
    • These policies often provide comprehensive coverage for both standard and modified parts.

Why Hire Fielding Law After a Modified Car Accident?

At Fielding Law, our attorneys are dedicated to helping you navigate the complexities of modified car accidents. We provide expert legal advice and support to ensure your rights are protected. Modifying your car can be exciting, but it is essential to ensure your insurance coverage is up to date. Always inform your insurer about any changes and consider specialized insurance if necessary. We offer free 24/7 legal consultations at 833.88.SHARK if you have questions after an accident.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 14, 2024
Love0
Workers' compensation injury claims and personal injury case

Workers Compensation vs Personal Injury Cases

By Personal Injury

In the realm of legal claims, understanding the distinctions between Workers’ compensation injury claims and personal injury cases is paramount. Each type of claim operates under unique rules and procedures, impacting the way compensation is sought and obtained. Let us investigate these differences to see how Fielding Law can help you effectively.

Nature of Injury

  • Workers’ Comp: Primarily covers injuries sustained at the workplace, including occupational illnesses.
  • Personal Injury: Encompasses injuries resulting from another party’s negligence or wrongdoing, such as car accidents or slip-and-fall incidents.

Fault and Compensation

  • Workers’ Comp: Operates on a no-fault system, where employees receive benefits regardless of who caused the injury. However, they generally cannot sue their employer.
  • Personal Injury: Operates on a fault-based system, where the victim must prove that the other party’s negligence led to the injury. Compensation may include medical bills, lost income, pain and suffering, and other damages.

Types of Compensation

  • Workers’ Comp: Typically covers medical expenses, lost wages, rehabilitation costs, and potentially permanent disability benefits.
  • Personal Injury: Allows for compensation for medical bills, lost income, emotional distress, pain and suffering, and other economic and non-economic damages.

Legal Process

  • Workers’ Comp: Involves filing a claim with the employer’s insurance company, which may lead to mediation or hearings to resolve disputes.
  • Personal Injury: Requires establishing negligence and liability through investigations, negotiations with insurance companies, and potentially litigation in court.

Why Hire Fielding Law?

Fielding Law distinguishes itself by offering comprehensive legal support for both workers’ compensation injury claims and personal injury cases. Our team embodies a caring, kind, and empathetic approach while being highly capable in legal advocacy and strategy. With Fielding Law, you have a trusted partner who will navigate the complexities of your case with skill and compassion. Contact us at 833.88.SHARK for a free consultation and let us guide you towards the resolution you deserve.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 13, 2024
Love0
Top Verdict Award

Fielding Law Achieves Top Verdict Award: $2 Million Verdict in Los Angeles

By Personal Injury, Premises Liability, Public Entity, Skate & Skateboarding Accident

We are proud to announce that Fielding Law has achieved a significant milestone by securing a $2 million verdict in the case of Welch v. City of Los Angeles. This achievement has earned us a spot among the Top 50 Jury Verdicts in all practice areas in Los Angeles.

Case Overview: Welch v. City of Los Angeles

In the case of Welch v. City of Los Angeles, our client was seriously injured due to a dangerous condition on public property. The case involved several complex legal issues, including:

  • Dangerous Condition: The public property had a hazardous condition that led to the injury.
  • Failure to Warn: The responsible parties failed to provide adequate warnings about the danger.
  • Government Negligence: The City of Los Angeles was negligent in maintaining the property.
  • Personal Injury: Our client sustained severe injuries due to the unsafe conditions.
  • Premises Liability: The case focused on the property owner’s responsibility to ensure safety.
  • Trip & Fall: The injury occurred as a result of a trip and fall incident.
  • Negligent Tort: The city’s negligence directly contributed to the injury.
  • Bodily Injury: Our client suffered significant physical harm.
Top Verdict Award

The Legal Team

This landmark verdict was secured through the collaborative efforts of our skilled attorneys:

  • Clark Fielding of Fielding Law, APC
  • Ryan Cooper of Fielding Law, APC
  • In association with
    • Maximilian Lee of the Law Office of Maximilian Lee

Our team worked tirelessly to ensure that justice was served and that our client received the compensation they deserved.

Top Verdict Recognition

At Fielding Law, we are honored to be recognized by TopVerdict.com for securing one of the highest jury verdicts in the Nation. This prestigious acknowledgment highlights our relentless pursuit of justice and ability to handle challenging cases precisely and carefully. Being listed among the Top 50 Jury Verdicts in Los Angeles for the year reflects our dedication to achieving top legal victories for our clients. Our recognized legal triumphs are a testament to the hard work and expertise we bring to each case.

Why This Verdict Matters

Securing a $2 million verdict in a complex case like this highlights the dedication, expertise, and tenacity of our legal team. It underscores our commitment to achieving the best possible outcomes for our clients. This recognition among the Top 50 Jury Verdicts in Los Angeles is a testament to our relentless pursuit of justice and our ability to handle challenging cases with precision and care.

Why Hire Fielding Law?

If you or a loved one has been injured due to someone else’s negligence, you need a compassionate and capable legal team by your side. At Fielding Law, we offer:

Expertise: Our attorneys have extensive experience in handling complex personal injury cases.

Support: We provide empathetic and caring support throughout the legal process.

Results: We are dedicated to helping you receive the compensation you deserve.

Call 833.88.SHARK today to discuss your case and see how we can help you navigate the legal challenges you face.

The $2 million verdict in the Welch v. City of Los Angeles case is a significant achievement for Fielding Law. It reflects our commitment to excellence and our dedication to securing justice for our clients. If you find yourself in need of legal assistance, remember that Fielding Law is here to help. Contact us at 833.88.SHARK for expert legal support.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 12, 2024
Love0
Auto insurance Coverages

5 Essential Auto Insurance Coverages

By Car Accident, Personal Injury

At Fielding Law, we understand the importance of having the right auto insurance coverage. Picture this: you are driving down the road, enjoying the breeze, when suddenly, a collision disrupts your peace. In such moments, comprehensive insurance can be your lifeline, ensuring financial security and peace of mind. These auto insurance coverages are essential for protecting you and your loved ones on the road.

Auto Insurance Coverages You Should Have

1. Personal Injury Protection (PIP) and Medical Payments (Med Pay):
    • Covers medical expenses, lost wages, and related costs for you and your passengers, regardless of fault.
    • Ensures quick medical attention without waiting for liability determinations.
2. Bodily Injury Liability:
    • Covers medical expenses and legal fees for individuals injured in an accident for which you are at fault.
    • Safeguards your assets in potential lawsuits.
3. Uninsured/Underinsured Motorist (UM/UIM) Coverage:
    • Protects you in accidents with underinsured or uninsured drivers.
    • Covers medical expenses and damages when the at-fault party cannot compensate fully.
4. Collision Coverage:
    • Pays for repairs or replacement of your vehicle, irrespective of fault.
    • Vital for newer or valuable vehicles.
5. Gap Insurance for Vehicles on a Lien:
    • Covers the gap between your vehicle’s value and what you owe in case of total loss.
    • Eases financial burdens, especially with loans or leases.

Compassionate Legal Support

At Fielding Law, we prioritize your safety and financial well-being. These six auto insurance coverages form a robust shield against unforeseen accidents. Whether it is ensuring immediate medical care with PIP or protecting your assets with Bodily Injury Liability, each coverage plays a crucial role in your protection. Do not wait for an accident to realize the importance of insurance. Take proactive steps today to secure your peace of mind on every journey. If you have been in an accident and have questions, contact us at 833.88.SHARK. We are here to help.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

June 11, 2024
Love0