Now that a settlement amount has been reached, a release with all named insureds must now be signed by the claimant.The state of Texas requires that if a claimant is married, the spouse must also sign the release. A minor in the state of Texas is considered to be under the age of 18.When the […]

Below is a notice of subrogation to the insurance company by a state sponsored health provider for medical expenses caused by insured:

Below is an example of a hospital lien:

Below is an example of a lien issued by the Office of Attorney General for collection of child support to the insurance company:

Below is an example of an AOB to the treating doctor signed by the claimant:

The point of impact is the location on a vehicle or vehicles where there was a collision. The point of impact can help an insurance claims adjuster determine fault. For instance, if the point of impact from a collision is your front bumper and the rear bumper of another automobile that was driving in front […]

Often called “no-fault” coverage it is designed to cover medical (and funeral) expenses for the driver, any others in his or her vehicle (or vehicles) – (including others driving his or her vehicle) and any pedestrians struck by the driver’s vehicle in the case of an accident. States which do not have PIP Coverage are […]

Here is a sample demand which does not meet all of the requirements to be considered a Time Limit Demand.

Before you make an offer, decide on a minimum and maximum settlement figure that will be acceptable.This range is referred to as the claim range of value (CROV). With the CROV established, negotiations can now begin. The adjuster will make an offer to settle the claim for an amount at or near the lower end […]

The medical payments portion of your policy pays for covered medical expenses up to policy limits for this coverage for anyone injured in your vehicle –regardless of who’s at fault. It also covers you and your family members who might be involved in an accident as a pedestrian.