Tag Archives: nh car accident lawyers

What Happens When an Uninsured Motorist Causes a Car Crash?

Managing an Uninsured Motorist Claim

New Hampshire is one of the few states in the U.S. that does not require its drivers to carry car insurance. In cases where one driver’s fault causes either property or bodily damage, the driver is required to pay for any expenses that the injured party suffers. The at-fault party’s license is suspended until they can show they can pay for the crash they caused. Sometimes they do this out of pocket. Other times, they come up with a repayment plan. Purchasing car insurance after a crash is another way to cover the costs owed to the injured party.

Have you been in a serious car crash? If so, did it involve bodily injury and/or major damage to your car? In that instance, it helps to have a NH injury lawyer representing you in your uninsured motorist claim against the at-fault party. The Law Office of Manning & Zimmerman PLLC has helped numerous New Hampshire motorists recover damages from negligent drivers who either did not carry car insurance or did not carry enough car insurance.

Worst Case Scenario: The Motorist Won’t or Can’t Pay

No insurance system in any state is foolproof, and New Hampshire has its strengths and weaknesses. If an uninsured driver causes a major crash they can prove payment by purchasing car insurance. Their new car insurance policy would cover the difference. But what about situations in which a motorist cannot afford car insurance?

While you can sue the motorist directly and their license won’t be restored until they start paying you for your damages, a motorist who cannot afford to make insurance payments is not a motorist who has a vast quantity of assets. You can sue them and win a verdict. But if they file for bankruptcy, you still may never see very much of the money they owe you. Now what?

This is where having uninsured motorist coverage can be a great asset. This form of insurance covers you in the following three cases:

  • The at-fault driver is uninsured;
  • The at-fault driver does not carry enough coverage to settle your damages;
  • You’re involved in a hit-and-run crash.

When a motorist is uninsured and causes a crash, your uninsured motorist policy pays out. In other words, you make an uninsured motorist claim against your own policy and the insurance company reimburses you for your damages. They can then turn around and sue the at-fault driver for the money they paid to you.

Understanding Uninsured Motorist Coverage

The State of New Hampshire requires auto insurance companies to offer Uninsured/Underinsured Motorist Coverage (UMC) in an amount that equals your liability coverage. So if you have a liability coverage of $25,000, the insurance company must offer you a UMC of $25,000. If you carry $75,000 in liability coverage, the insurance company must offer you a UMC of $75,000.

The reason the state has to force insurance companies to offer this insurance is because they would really rather not. Simply put, if forced to pay out should an uninsured motorist causes a crash, it can be difficult to recover that money from the motorist. In many instances, they will look for reasons to deny your uninsured motorist claim.

Are you locked in a battle with an insurance company over a claim? If so, it helps to have a New Hampshire injury lawyer prepare the case for you.

Why? Because insurance companies will go out of their way to deny a claim whenever possible. Every claim you make needs the backing of proof. A Manchester injury attorney at Manning & Zimmerman Law can help you with this process.

Contact a New Hampshire Personal Injury Attorney

If your uninsured motorist claim is denied, you may need the help of an injury attorney to make your case. Don’t leave such decisions to the insurance company’s discretion. For a free consultation, contact the NH injury attorneys at the Law Office of Manning & Zimmerman PLLC. We may be reached at (603) 605-0547 or by email at info@MZLawNH.com. We may also be contacted by using the “contact us” or chat feature on our website.

Experienced.  Knowledgeable.  Personally Committed to Justice.

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Who’s at Fault When Robot Cars Crash and Injure People?

New Hampshire car crash lawyers
Engineers rank vehicle automation from zero to five. Click chart to expand.

Where We Are Today

Most cars now already feature some form of self-driving technology. This includes cruise control and electronic stability control. It also includes recent innovations like automatic braking, lane departure alerts, and self-parking. The latest technologies, like Autopilot from Tesla and Drive Pilot from Mercedes-Benz, automatically steer, adjust speed, and brake. Instead of relying on eyes, ears and a brain for control, autonomous vehicles depend on data. This includes data from cameras, radar and high-tech sensors that detect light – all fed into an onboard computer.

Since we share the road with both old and new vehicles, all with a mix of technologies, the Society of Automotive Engineers created a six-level ranking system. Level Zero, One and Two vehicles still require human drivers to monitor the driving environment. Level Three, Four and Five vehicles put the computer in charge of monitoring the driving environment. Only Level Three vehicles, like the Tesla, are commercially available today. But traditional manufacturers, along with new players like Google and Uber, are testing fully autonomous Level Five vehicles. They predict these cars will be available to the public in the early 2020s.

What Autonomous Vehicles Mean to You

New Hampshire car crash lawyers

The most encouraging prediction from the transition to driverless cars is a dramatic reduction in crashes. According to the National Highway Traffic Safety Administration (NHTSA), more than 37,000 people died in auto accidents in 2016 and millions more were injured. NHTSA estimates that 94 percent of crashes are caused by human error.  Self-driving cars are never tired, distracted, or impaired. They could dramatically reduce accidents, saving 30,000 lives or more each year.

The reality, however, is that Americans will still suffer injuries and deaths from auto crashes as self-driving technology is perfected. No technology is foolproof, especially when it involves the highly complex sensors and artificial intelligence central to self-driving cars. We’ve also learned the hard way that automakers deny responsibility or cover up manufacturing defects to protect profits. And even if Level Five automation is available to the public in 2020, it will be another 15 to 20 years before all vehicles on the road have the latest self-driving technologies.

Operators Still Blamed for Crashes

According to the car crash lawyers at Manning & Zimmerman Law, in a collision involving autonomous vehicles, the question of liability is murky at best. Is the operator at fault, the manufacturer, the software designer? Unfortunately, the trend has been to blame the operator. Manufacturers suggest that humans should be ready to take over when self-driving systems hand over the controls. Research shows, however, that humans are not well adapted to re-engage with complex tasks. These tasks include driving in an emergency situation, once attention has been allowed to wander.

As more and more vehicles become completely driverless, it makes less and less sense to hold their human operators liable. Instead, the car crash lawyers at Manning & Zimmerman Law see strict liability as the best solution, where manufacturers take full responsibility for crashes when the robot system is driving. This same principle already applies to common carriers like bus companies, airlines, or train operators, where passengers are completely dependent on the carrier for their safety. Auto insurance as we know it today would be eliminated under this scenario. Who needs an insurance policy if they’re not driving?

In the Meantime …

Self-driving technologies and eventually fully autonomous cars will likely be a reality sooner than later. Consider these tips along the way:

      • Do your research: Cars that already have backup cameras or automatic braking are already on the road today. Before you purchase a new car, review safety ratings for both the mechanical and the computer-driven technologies already on board.
      • Stay vigilant: Just like driving a car with no automated features, keep your attention on the road. It’s tempting to believe that once self-driving cars are introduced, you can relax your focus. Don’t exclusively rely on automated features to keep you safe.
      • Support accountability: There are laws currently being written about liability and safety when it comes to driverless cars. Support the laws and lawmakers that insist on strict liability for autonomous vehicle manufacturers.

Contact Experienced New Hampshire
Car Crash Lawyers for a Free Consultation

Have you or a loved one been injured by another person’s careless acts? If so, it is essential that you have competent legal representation from the onset of your case through litigation. Big insurance companies have lawyers looking out for their interests and you should too!

For a free consultation, contact the Manchester car crash lawyers at the Law Office of Manning & Zimmerman PLLC. We may be reached at (603) 239-2315 or by email at info@MZLawNH.com. We may also be contacted by using the “contact us” or chat feature on our website.

Experienced.  Knowledgeable.  Personally Committed to Justice.

nh car accident lawyers

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What are the Stages of a Personal Injury Case?

3 Stages Of A Personal Injury Case

Contact Experienced New Hampshire Attorneys for Your Personal Injury Case

Have you or a loved one been injured by another person’s careless acts? If so, it is essential that you have competent legal representation from the onset of your case through litigation. Big insurance companies have lawyers looking out for their interests and you should too!

For a free consultation, contact the Manchester injury attorneys at the Law Office of Manning & Zimmerman PLLC. We may be reached at (603) 239-2315 or by email at info@MZLawNH.com. We may also be contacted by using the “contact us” or chat feature on our website.

Experienced.  Knowledgeable.  Personally Committed to Justice.

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We invite you to subscribe to our newsletter. You can also follow us on Twitter.

Our personal injury attorney take the time to educate our clients about their rights and the disability claim process and equip them with the tools and information needed to succeed in the injury claim.

Our experienced  attorneys will provide you all the attention you would expect from us until your injury case is resolved.  Clients are always kept informed as their cases progress and receive continual legal counsel and guidance. The experience and reputation we have earned will give you the advantages you need to gain the best results possible in your case.

Manchester Injury Attorney Named to Super Lawyers List

Manchester Injury Attorney Maureen Raiche Manning represents injury victims throughout New Hampshire

Manchester injury attorney Maureen Raiche Manning has been named to the 2017 Super Lawyers listing for attorneys representing injury victims. Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas. Each lawyer selected for this recognition has attained a high degree of peer recognition and professional achievement.

Attorney Manning has been practicing personal injury law in New Hampshire for 31 years, representing clients in New Hampshire federal and state courts. Maureen is proud to represent individuals who have sustained injuries through no fault of their own in motor vehicle crashes, workplace accidents, medical negligence, and all other areas of personal injury.  She also represents the estates of victims of wrongful death.

Maureen is a lifelong resident of Manchester, the mother of three adult sons, and a former three-term state legislator. She earned a Bachelor’s degree from the University of New Hampshire and a Law Degree from the University of New Hampshire School of Law. Maureen is a faculty member at the Keenan Ball Trial College where she instructs other trial attorneys.

Manchester injury attorneyMaureen’s law partner is Manchester injury attorney Anna Goulet Zimmerman. Joining Maureen and Anna in the practice of law is associate attorney Michaila Oliveira. Both Attorneys Manning and Zimmerman are past-presidents of the New Hampshire Association for Justice, a statewide professional association of trial attorneys working to protect constitutional rights and to ensure that all citizens receive justice through the legal system.

About Manning & Zimmerman Law

The Law Office of Manning & Zimmerman PLLC represents injured plaintiffs throughout New Hampshire from their office in Manchester’s Historic District. Click here to learn more about Manning and Zimmerman Law.

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New Hampshire Personal Injury Lawyers: Rear-End Collisions

The New Hampshire personal injury lawyers at the Law Office of Manning & Zimmerman, PLLC have seen a dramatic rise in rear-end crashes in recent years.  One of the major factors in these crashes is drivers distracted behind the wheel.

Texting, phone calls, searching for music, and many other distractions have fueled the spike in crashes. Many collisions are to the rear-end of vehicles that have come to a stop.

Contact Experienced New Hampshire Personal Injury Lawyers Today

If you have been injured by another driver, including injuries sustained in a rear-end collision, give us a call at (603) 239-2489 for a free consultation. It is essential that you have competent legal representation from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too!

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

Experienced.  Knowledgeable.  Personally Committed to Justice.

These “10 Liability Factors in Rear-End Collisions” are presented courtesy of James Publishing to help with understanding how to assess fault in one of these crashes.

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new hampshire personal injury lawyers

new hampshire personal injury lawyers

new hampshire personal injury lawyers

new hampshire personal injury lawyers

new hampshire personal injury lawyers

new hampshire personal injury lawyers

new hampshire personal injury lawyers

new hampshire personal injury lawyers

 

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Manchester Injury Lawyers: Rear-End Collisions

Rear-End Collisions

The Manchester injury lawyers at Manning & Zimmerman Law know that for a number of years, car crashes were declining due to several factors. This includes the manufacturing of automobiles with advanced safety devices such as anti-lock brakes, stability control, and multiple airbags. Recently, however, the incidence of collisions on American roadways has increased sharply.  According to the U.S. Department of Transportation, 37,461 people died on American roadways in 2016, a 5.6 percent hike over 2015.

Research has shown that one of the major factors in this rise is collisions caused by drivers who are distracted behind the wheel, primarily, though not exclusively, from the use of hand-held devices. Texting, phone calls, searching for music, and many other distractions have fueled the spike in crashes, many of which are collisions to the rear-end of vehicles that have come to a stop.

Rear-end collisions have always been one of the most common types of auto accidents, but in the past few years they have been occurring more frequently due to the increase in distracted driving. Most rear-end collisions occur when the stopped vehicle is waiting in traffic, waiting to turn left or right, or waiting for a light to change, and the driver is struck from behind by someone who is distracted and not focused on the road ahead.

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Police Reports and Insurance Companies

The police report written following a crash will frequently place fault on the moving vehicle, usually for following too closely or for inattentiveness.  The driver of the moving vehicle will often admit liability to the police officer, you, or other witnesses.

Insurers usually pay considerable attention to police reports.  However, sometimes insurance carriers or their defense attorneys will claim no liability due to sudden and unexpected stopping, failure to signal when stopping to turn, not yielding before pulling into traffic, or brake defect.

Assessing Liability in Rear-End Collisions

The  experienced Manchester injury lawyers at the Law Office of Manning & Zimmerman, PLLC will want to learn about the following items when assessing the certainty of liability in your rear-end collision:

    • Vehicle position. Was your car stopped in traffic, waiting for a light to change, turning left or right, slowing down for traffic, waiting to turn into a driveway, etc.?
    • The other driver’s speed. What was the approximate speed of the vehicle that struck you?
    • His or her following distance. Did you see how far away the colliding vehicle was before the crash?
    • Your use of turn signals. If you were about to turn, did you have your turn signal on?  If so, for how long?
    • The vehicle damage. Is the damage to each car minimal, moderate, or severe?  Do you have any pictures?
    • Any driver statements. Did either you or the other driver say anything about fault at the scene?
    • The existence of witnesses. Were there any impartial witnesses to the accident?
    • Any alcohol use. Were either you or the other driver drinking prior to the accident?
    • Any credible passengers. Did either car have other riders?  How persuasive are their accounts of the accident?
    • The driving conditions. Was the road slippery due to rain or snow?  Was it sunny, dark, foggy, or stormy?
    • The functioning of your lights. Were your signal and brake lights working?
    • Any defenses. Is the insurer suggesting that brake defect, icy conditions, sun in the other driver’s eyes, or your failure to signal is to blame?

Contact the Manchester Injury Lawyers at Manning & Zimmerman Law Today

If you have been injured in a New Hampshire motor vehicle collision, it is essential that you have competent legal representation from the onset of your case through litigation. Big insurance companies have lawyers looking out for their interests and you should too. To contact the experienced Manchester injury lawyers at the Law Office of Manning & Zimmerman for a free consultation, call (603) 239-2315, complete a request for a consultation or chat with us on our website, or send us an email.

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NH Injury Lawyers Discuss Home Safety

Make Your Home Safer with the “Three-F” Safety Check

According to the NH injury lawyers at Manning & Zimmerman Law, about 146,571 people died from unintentional injuries in 2015. The National Safety Council reports that many of these injuries were suffered at home. Safety check your home for the three F’s; Fires, Falls and Firearms.

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Sawdust is highly combustible. Remember to clean up!

Fires

According to the National Fire Protection Association, there were more than 380,000 residential fires in 2015. Most of us know common sense fire safety rules: don’t let candles burn unattended, unplug curling irons or space heaters when not in use, don’t overload outlets, etc.  Also consider:

  • Wiring: Poorly installed or old wiring is a hidden danger. One way to prevent electrical fires is to replace old circuit breakers with arc-fault circuit interrupters. These inexpensive safeguards detect dangerous electrical arcs, abnormal power surges that signal bad insulation or loose connections and break the circuit.
  • Kitchen Clutter: Almost 51 percent of home fires are caused by cooking in the kitchen. Items like kitchen towels, pot holders, and cook books can ignite quickly. Maintain a three-foot zone between any combustible items and your burners, and keep a kitchen fire extinguisher nearby.
  • Clothes Dryer: Lint buildup can spell disaster. Clean out lint traps after ever dryer use and make sure to regularly check for lint in the dryer cabinet, located in the back or bottom of the machine. The vent pipe should also be cleaned out every three months.
  • Excessive Sawdust: Sawdust burns quickly and easily. Regularly clean up with a vacuum designed for combustible dust. Also, avoid using compressed air to blow around dust – propelling it into the air can cause it to ignite.

Falls

The National Safety Council reports that 33,000 Americans died from falls in 2015. A majority of those deaths were suffered by people over age 65.

  • Clean up clutter: Scarves, hats, boots, oh my! Pulling off your cold weather gear and dumping it on the floor creates a tripping hazard. Put away anything that you or others may stumble over.
  • Keep walkways clear: Ice and snow on driveways and sidewalks can be hazardous to you or your visitors. Keep up on snow removal, and use salt when icy.
  • Avoid loose or ill-fitting clothing: Oversized clothes can easily cause a tumble for older Americans. Pants should be properly hemmed so they don’t drag on the ground.
  • Wear footwear with a sole: Shoes or slippers with a good sole are much safer to walk in than fuzzy socks that slip and slide.

Firearms

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Lock and store guns and ammunition separately.
  • UNLOADED firearms should be stored in a locked cabinet, safe, gun vault, or storage case that is inaccessible to children.
  • Gun locking devices are a good second security measure that can be used in addition to locked storage.
  • Ammunition should be stored in a locked location separate from firearms.
  • Thoroughly double check firearms to confirm that they are unloaded when put in or taken out of storage.

Injured? Contact the NH Injury Lawyers at Manning & Zimmerman

If you or a loved one have been injured through no fault of your own, it is essential that you have competent NH injury lawyers representing you from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too! The experienced NH injury lawyers at the Law Office of Manning & Zimmerman are ready to represent you immediately.  Call (603) 624-7200 today for a free initial consultation, complete a request for a consultation on our website, or send us an email.

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Manchester Law Firm Discusses Road Safety for Teens

Distractions, Inexperience and Risky Behavior Spell Trouble

According to the Manchester law firm of Manning & Zimmerman, the Centers for Disease Control (CDC) have reported that motor vehicle crashes are the leading cause of death for teens. It is estimated that on average, six teenagers die every day in the United States from a car crash. As teens head back to school, you should know how to keep them, and others, safe.

Manchester law firm
Teens who text and drive are outside of
their lane about 10 percent of the time.

The Stats

The Manchester law firm of Manning & Zimmerman knows that a teen driver on the road is more likely to cause a car crash than any other driver. Per mile driven, teen drivers ages 16 to 19 are nearly three times more likely than drivers aged 20 and older to be in a fatal crash. Young men are two times more likely to get in a crash than young women.

If your teen driver has recently received his or her license, inexperience can spell disaster out on the road.  According to the Insurance Institute for Highway Safety, teen drivers ages 16 to 17 are twice as likely to get in a car crash compared to teen drivers ages 18 to 19.

Teens are also less likely to practice safe driving behavior, such as using seat belts or maintaining a safe following distance. In 2015, only 61 percent of high school students reported they always wear seat belts when riding with someone else.  [Download report.]

The Risks

Teens are also much more likely to drive distracted. Drivers under the age of 20 have the highest proportion of distraction-related crashes. Carpooling seems like a convenient way to get to school, but teens riding with other teen drivers increase the risk of distraction with every additional teen passenger. Here are all eight of the CDC danger zones most often linked to teen crashes:

1.  Driver Inexperience
2.  Driving with Teen Passengers
3.  Nighttime Driving
4.  Not Using Seat Belts
5.  Distracted Driving
6.  Drowsy Driving
7.  Reckless Driving
8.  Impaired Driving

The Parents

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So what can parents do to prevent teen driving tragedies?

  • Most important, lead by example. Forty-eight percent of young drivers have seen their parents talking on a cell phone while driving, and 15 percent of those have seen their parents texting while driving. Show your kids how to drive responsibly by driving distraction free, wearing your seat belt, and following all speed limits and traffic laws.
  • Set limits. Multiple teen passengers and late-night driving lead to more crashes. Limit the number of passengers for your teen drivers and set a curfew.
  • Buy a safe car. The car your teen drives should be reliable. Purchase from a reputable dealer, and check all cars at Safercar.gov for recalls. Make sure your young driver knows what to do if a car breaks down.
  • Practice driving with your teen. Provide your teen driver with 30 to 50 hours of supervised driving practice over at least six months. Practice on a variety of roads, at different times of day, and in varied weather and traffic conditions. Stress the importance of continually scanning for potential hazards including other vehicles, bicyclists, and pedestrians.
  • Create a Parent-Teen driving agreement. Put your driving rules in writing to clearly set limits, as well as the consequences for not following those rules.

Injured? Contact the Manchester Law Firm of Manning & Zimmerman

If you or a loved one have been injured through no fault of your own, it is essential that you have competent NH injury lawyers representing you from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too. The experienced Manchester law firm of Manning & Zimmerman has  NH injury lawyers ready to represent you immediately.  Call (603) 239-2489 today for a free initial consultation.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

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Krista, a New Hampshire personal injury client

Anna was amazing. She took over my case when the original lawyer had parted from the firm. She was fully knowledgeable of my case and really worked hard for me. She always made sure I was aware of what was going on and even made sure I was feeling okay before she settled my case. I had a case going for a while and the firm even sent me birthday cards on my birthday. I had to have surgery and they sent me a get well card. This is a law firm and a lawyer who truly cares about you and not just about the money. I was so nervous about even going through this but she made the process personal and simple to where I felt comfortable and trust worthy of my case. I would hands down recommend her and the law firm to anyone who needs a lawyer and law firm that will fight for you and make you feel like you are the only case they have.

Contact New Hampshire Personal Injury Attorneys for a Free Consultation

If you or a loved one have been injured through no fault of your own, it is essential that you have competent legal representation from the onset of your case through litigation. Big insurance companies have lawyers looking out for their interests and you should too! Attorneys Maureen Manning and Anna Zimmerman have a combined total of more than 50 years representing injury victims and would be glad to speak with you about you case.

For a free consultation, contact the experienced New Hampshire personal injury attorneys at the Law Office of Manning & Zimmerman at (603) 239-2489, complete a request for a consultation on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

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New Hampshire Personal Injury Lawyers Offer Insurance Company Insights

The New Hampshire personal injury lawyers at the Law Office of Manning & Zimmerman, PLLC know that if you’ve ever had to file an insurance claim, frustration seems baked right into the maze of endless forms and confusing small print. Companies that once lived up to their promise to “be on your side” when disaster strikes dramatically shifted business practices in the 1990s to meet Wall Street demands for short-term profits. The result is chronicled in the book Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It by distinguished Rutgers law professor Jay Feinman. Not surprisingly, insurance companies are recording astronomical profits. Here’s how it works:

Delay, Deny, Defend: Profits Over People

new hampshire personal injury lawyers
Endless forms, arbitrary rules and a sea of fine print discourage claims

Trick #1: Deny, Deny, Deny Claims
The New Hampshire personal injury lawyers at Manning & Zimmerman know that insurance companies will outright deny that a crash occurred or that the policyholder was seriously injured. Some companies even offer gifts and bonuses to employees who deny claims and keep payments to a minimum. Arbitrary rules will crop up, often referencing provisions that do not exist or that contradict a previous statement. The hope is that denial after denial will defeat and deflate claimants, making them feel they have no choice but to throw in the towel.

Trick #2: Delay Paying as Long as Possible … Even Until Death
You’ve jumped through all the hoops and the insurance company has agreed to pay the claim, so you can rest easy, right? Think again. Delaying payment is another common tactic to boost profits. Insurance companies have been known to send out incorrect forms and then blame claimants for the error, or set very short time limits on when a claim can be made after an accident, injury or illness. In cases involving elderly or gravely ill claimants, some insurance companies have even delayed payments in hopes that the customer dies before they have to pay.

Trick #3: Defend in Court
Following a denied claim or a delayed payment, insurance companies know they can further delay writing a check by defending their questionable tactics in court. Billions of dollars in profits and thousands of high-priced lawyers on the payroll means they are always ready for a trial. Insurance companies know that many of their customers may be afraid or unwilling to hire a lawyer, and they use that fear to convince claimants that a court battle would only end in an insurance company victory.

Getting Paid What You Deserve

New Hampshire personal injury lawyers
Forcing a claimant to sue for benefits owed is one way insurance companies fail their customers

What can a David do against these insurance company Goliaths? Here are some tips on what to do before, during, and after making a claim to an insurance company:

  • Pick a reputable company: It pays to do a little homework before you sign on the dotted line. Start with this list of best/worst insurers ranked on claim denials and bad-faith practices.
  • Read your policy carefully: You should know exactly what is covered and what you need for an appeal in case your claim is denied.
  • Double- and triple- check forms: An incorrectly filled-out form can be used by an insurance company to deny or delay claims. Past forms can even be used as a way to retroactively deny coverage. Be thorough and honest on every piece of paper you fill out.
  • Do not cash the check right away: Insurance companies will send checks with very low offers, or pay premium refunds if they rescind your coverage. Cashing these checks can be legally interpreted as accepting their offers.
  • Get everything in writing: If you need to fight your insurance company, you must be able to produce every bill, form and piece of correspondence.
  • Reach out for help: An experienced plaintiff’s lawyer can guide you through your claims process and provide the firepower necessary to challenge the insurance company in court if necessary.

Contact Experienced New Hampshire Personal Injury Lawyers

If you have been injured through no fault of your own, it is essential that you have competent legal representation from the onset of your case through litigation.  Big insurance companies have lawyers looking out for their interests and you should too! The experienced New Hampshire personal injury lawyers at the Law Office of Manning & Zimmerman, PLLC offer free initial consultations to NH injury victims. Call us at (603) 239-2489, complete a request for a consultation on our website, or send us an email.

To subscribe to our newsletter, click here. We are also on Facebook and you can follow us on Twitter.

Experienced, Knowledgeable & Personally Committed to Justice