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3 Ways Car Accident Lawyers can Help you Overcome your Losses

3 Ways Car Accident Lawyers can Help you Overcome your Losses

According to some sources, there are around 28.7 million automobiles registered in California out of which nearly 7,43,282 are publicly owned and rest are owned privately. The demand for vehicles is also increasing exponentially with the passage of time.

And when we consider such a large vehicles count, the chances of an accident is obvious. Accidents can happen to anyone; regardless of being an expert driver. An accident not only affects you externally, but it also affects you mentally giving minor to severe injuries. Your car repairing and injury treatment may encompass large expenses. Also, it makes you unable to attend the office, continue your hobbies and many other such daily activities.

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For maximum recovery, you need a car accident lawyer. These lawyers will help you in getting the compensation for all the damages you have encountered during the accident.

Below are the points how the lawyers will help you heal your losses.

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1. Helping You Recover Your Financial Loss

A car accident brings with it huge expenses required for the treatment of the driver, passengers, and for repairing the car. It may make you unable to attend your office due to your injuries. So, in such cases, your family faces a huge financial loss. A car accident lawyer helps you recover the loss through an insurance claim or filing a personal injury lawsuit. The lawyer helps you compensate medical costs, pain and suffering, lost wages and your vehicle damages.

2. Helps You Get Maximum Compensation

The expenses you incur on your medical treatment and car maintenance can’t be claimed 100%. But it’s good if you can receive the maximum possible amount as compensation.

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These lawyers are highly proficient and knowledgeable and can interact with the insurance company to get the maximum compensation for your losses. They do their best to deliver the settlement between you and the insurance firm.

3. Represents On Your Behalf

In the case of a severe injury, the victim is unable to get in touch with the insurance authority and file any claim. It also becomes difficult to attend the trials and settlement callings. So, the car accident attorney represents you during the hearings.

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But before getting in touch with an injury attorney, you should do some homework on your end.

  • If the victim is in the conscious state and is capable of moving, he or he should save the details of the other car driver. It will help you to get the settlement done at the base level. Note down all the information of the second party.
  • If you saw any witness during the accident, it’s good to note the contact details of the witness. It will help you authenticate your statements and get maximum compensation from the insurance company.
  •  If you are capable of coming out of the car, it’s better to capture the accident scene in photos. It will always help the injury attorney to build a clear picture of the accident scene.

Don’t Make These Mistakes

There are some mistakes that people do to get compensation for the accident.

  • Lying: To get compensation, the drive tries to lie, but its results are disastrous.
  • Incorrect Form Filling: Because of less knowledge or lack of understanding, the victim fills the insurance claim form incorrectly that may lead to its rejection.
  • Applying Too Late: Many of the car accident victims apply for the compensation very late, which rejects their plea at the initial level.

If anyone in your family has met with an accident and you need to recover that loss, you should find the best car accident attorneys in your area. The lawyers will always assist you in getting the maximum compensation for your damages from the insurance firm and thus help you heal your losses.

We know that some non-living losses can be recovered, but the loss of any human life can never be recovered at any cost. So, it’s better to take care of your life and drive as safely as possible.

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Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

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