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5 Situations When You Need to Hire A Car Accident Lawyer

5 Situations When You Need to Hire A Car Accident Lawyer

Car accidents are common now and bad driving skills of either yours or others can create trouble for you either in the shape of damaged car or other serious injuries. If your car is hit by someone else’s car, it normally results in claiming your damages and engaging with your lawyers and insurance agents.

Mostly, people choose to claim on their own. But technically, it is not easy for a novice to perform all the formalities of the insurance company and get the best possible amount from the firm. There are many situations where it will really be a hard task for you to claim the amount, so you require a car accident lawyer.

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Below are some of the situations when you will positively require a car crash advocate to file and claim your damages.

1. You Are a Novice

During a car accident, there are many points that you need to know, in order to file the claim against the insurance company. But if you are not anyhow aware how to file the claim and what are the hurdles that you may encounter, it will become a long way barrier. It may even lead to your claim rejection. So instead of testing your knowledge, it’s better to get in touch with a car accident lawyer. They are always available to help you in case of financial issues developed by the car accident.

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2. Long Term / Permanent Disability Injuries

An insurance company judges the depth of injury on the basis of three factors i.e. type of injury, time it will take to recover and the medical bills paid till now for the treatment. For a normal person, it really becomes a war to prove your long-term or permanent disability caused due to the car crash.

Car accident attorney knows all the laws and probations of an accident and insurance claim. He can help you in proving your disability by reaching your medical professionals and make your case strong.

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3. Disputed Liability

Many cases have been witnessed when the insurance company builds a question on the liability of the owner. As a newbie in this field, you can’t find out the issue for why the company has questioned your insurance liability. Generally, by this, the company indirectly says that either you are not at the fault or you are not liable to get the insured amount. And, hence the company is not responsible for any payment against the accident.

To get rid of such complex issues, car accident lawyer is the best person to consult with. Being a professional with immense knowledge of the field, they defend your case and make you receive the best-insured amount.

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4. Refuse to Pay Fair Amount

If you are filing the form on your own, there might be numerous points you may not be aware of and as a result that will result in the refusal to the payment. The cancellation is not bounded to the disputed liability only. Instead, there are many reasons that many cause the refusal. A professional car accident lawyer is the person who knows the loophole and gets the issue rectified.

5. Adjuster Already Made an Offer

People generally prefer to stay away from the hurdle of reaching the insurance firm and filing the claim. In return, they made the settlement with the adjuster on a small amount. But if you have faced big injuries, the amount you will be offered will not be sufficient for you. So, you are always be preferred to reach the accident lawyer and consult the best possible step to be taken.

A car accident can be avoided by driving properly. You should always take care to yourself and the road on which you are driving. All the safety accessories must be adopted (seat belts, airbags, etc) that can help you to overcome severe injuries in the case of any accident.

Drive Safely!

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Adnan Manzoor

Data Analyst & Life Coach

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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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