What is credit insurance?

credit insurance credit problems

What is credit insurance?

Credit insurance comes in several different forms:

Credit life insurance – the outstanding balance is paid in the event of your death.

Credit accident and health insurance – monthly credit payments are made for you during periods when you are unable to work due to accident or illness.

Credit unemployment insurance – monthly credit payments are made for you during periods when you are unemployed.

Credit insurance is a form of insurance where you are the purchaser and the lender is the beneficiary. The payments will be made directly to the lender. Though lenders sometimes offer or forward offers of credit insurance, your acceptance or rejection of credit insurance normally is not used as a factor in deciding whether to extend credit to you.

If the lender required credit insurance, the premium charged for the insurance must be included in the disclosure of the APR. In deciding whether to purchase credit insurance, consider other available forms of insurance (such as term life insurance or disability insurance) and the cost of such insurance. The credit insurance offered through your lender may not be the best deal.

(Reviewed 11.3.08)

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Is there a limit on how much I can collect for a neck injury? What if I was at fault?

How Much For A Neck Injury Injury Law

Is there a limit on how much I can collect for a neck injury? What if I was at fault?

In some states, there is no limit on the amount you can receive as an award or settlement in a neck injury case, but in other states your recovery might be limited by law. How important fault is to your ability to recover also varies by state. A majority of states have some sort of comparative fault system (where your damage award is limited by what percentage you were at fault), while other states follow a no-fault system in auto accidents (where your insurance pays for all your medical bills regardless of fault). An attorney can advise you as to the law in your state and what your possible damags might be.

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I suffered a head and neck injury in a car accident. How can I tell how much my lawsuit is worth?

Neck Lawsuit Worth Injury Law

I suffered a head and neck injury in a car accident. How can I tell how much my lawsuit is worth?

Many factors need to be considered to determine the value of your case. It is best to contact an experienced attorney right away so that you can have a good idea of what to expect in your geographical location, given the exact facts of your case. We have all seen reports on million-dollar awards for cases that just don’t seem that serious, and many times that’s a result of the case being tried in a jurisdiction with traditionally generous juries. Unfortunately, some people whose lives are changed forever after a horrible accident hardly recover anything at all because of the conservative nature of their county’s jury pool.

What your lawsuit is worth depends on a lot of different things, including the seriousness of your injuries, whether or not you were at fault or partly at fault for the accident and in what state, even county or city, your claim for injury is located. Additional factors such as the cost of medical treatment, lost wages, pain and suffering, permanent injuries and likelihood of high future medical expenses can tend to make your claim worth more.

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Are there any financial damages that I can receive that are unique to neck injuries?

Neck Unique Damages Injury Law

Are there any financial damages that I can receive that are unique to neck injuries?

Usually no; the types of damages that you can receive in injury cases, no matter what the injury, are the same. You will want to have an attorney familiar with neck injury law review your case and advise you as to all your options to receive financial damages. In most auto accidents, you will be able to recover “economic damages” such as lost wages, medical bills, rental car charges and damage to your vehicle or property within your vehicle. You should also be able to recover for “general damages,” such as permanent injury, pain and suffering, and sometimes emotional distress.

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I have developed Degenerative Disc Disease in my neck from a severe whiplash injury suffered in a car accident many years ago. Has time run out to to bring a lawsuit?

Neck Time Limit Injury Law

I have developed Degenerative Disc Disease in my neck from a severe whiplash injury suffered in a car accident many years ago. Has time run out to to bring a lawsuit?

Maybe. Each state has a statute of limitations, which are laws that state the time frame in which you must file a particular type of lawsuit or else give up the right to bring your claim.

An attorney can advise you how the statute of limitations applies to your situation; for a personal injury you have as long as six years in some states to file a claim before it is barred forever. If you are still within the time period, you can bring a lawsuit. The statute of limitations generally starts running when the accident occurs, but in some cases it will start to run when you reasonably should have known that you had an injury. So if you can successfully argue that the statute did not start to run until you discovered that your degenerative disc disease is related to the accident, you might be able to bring the lawsuit even if the statute of limitations has run out (warning: this is rarely a winning argument).

It is best to contact a lawyer right away to discuss your claim and to find out what your options are. You can also have your case evaluated by an experienced attorney by completing Free Advice’s case evaluation form; there is no cost and no further obligation.

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Who is responsible for my whiplash injury in a multi-car pile up on the freeway?

Neck Multi Car Accident Injury Law

Who is responsible for my whiplash injury in a multi-car pile up on the freeway?

It may be impossible to determine the exact break-down of fault in a multi-car accident. When an accident involves more than two vehicles, it is likely that drivers and their insurers will point fingers at everyone else.

When you have been injured in a multi-vehicle accident, you should get the medical treatment you need and contact a personal injury attorney as soon as possible to protect your rights.

It is important for you and your attorney to work together to gather as much evidence as possible regarding the cause of the accident. Copies of police reports and statements from other drivers might be all the information an insurer needs to pay out at least a portion of the damages.

Ideally, the insurers can work together toward a solution that gets you paid for your whiplash treatment as well as any other damages you might be entitled to.

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How do I prove a whiplash injury when it does not appear on x-ray?

Neck Injury No Xray Injury Law

How do I prove a whiplash injury when it does not appear on x-ray?

“When you have symptoms of whiplash, it is important to seek medical attention from a provider who understands neck and spine injuries. Although they are often valuable tools, x-rays rarely show abnormalities related to muscular strains or issues involving the ligaments. Other diagnostic tools, such as Magnetic Resonance Imaging (MRI), infrared scans, EMGs, CT scans and myelograms may be necessary to figure out the underlying conditions that are causing your pain and discomfort.

Even when symptoms of whiplash or other “soft tissue” injuries do not appear on objective test results, a medical provider who has experience with soft tissue injuries can help find the cause of your symptoms as well as the seriousness of your injury. An attorney with accident-related neck injury will know how to use the medical information related to soft tissue injuries to prove your case. “

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I suffered a neck injury in a hit and run accident. What should I do if I can’t locate the person who hit me?

Neck Hit And Run Injury Law

I suffered a neck injury in a hit and run accident. What should I do if I can’t locate the person who hit me?

If a hit and run driver or an uninsured driver causes your neck injuries, your Uninsured Motorist Coverage should pay for damages related to your neck injury and any other injuries. Uninsured Motorist Coverage pays for medical treatment, rehabilitation, loss of wages and other damages in the event that you or a family member is involved in an accident caused by an uninsured motorist or a hit and run driver.

If Uninsured Motorist Coverage is not part of your insurance policy (it is always recommended, although not mandatory in every state), it might be more difficult to recover anything but your medical bills. Talk to an experienced personal injury attorney in your state to find out if you have a chance to recover what your claim is worth. You may have your case assessed for free by completing the Free Advice case evaluation form; there is no cost and no further obligation.

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I suffered from neck pain prior to getting in an auto accident. Will my pre-existing pain make a difference?

Neck Previous Pain Injury Law

I suffered from neck pain prior to getting in an auto accident. Will my pre-existing pain make a difference?

It might. Generally, a person who is negligent or careless is responsible only for the harm he or she caused. That means that you have to prove there was negligence and that the negligence caused your current neck injury, or part of it.

However, if you can prove that the accident made the injury worse, you can collect for the degree to which the condition has been made worse. Additionally, if you had a previous neck injury and are more susceptible to injury and the new accident causes the pain to return or aggravates the old injury, then you can recover for your injuries as though this were a brand new set of injuries. This is known as the “eggshell plaintiff” rule, which basically means that even if the victim (you) is unusually susceptible to injury, whoever is responsible for the accident is responsible for the damages, no matter how great or unforeseeable the damages may be. For example, if you had a previous neck injury and you’re free of pain, but another slight bump could permanently disable you, if someone negligently crashes into you, that person will be liable for your full damages, even though they had no way of knowing your condition was so fragile.

You should work with your attorney and medical providers to make sure everyone has as clear an understanding as possible of the portion of your neck pain that the accident caused. That way, you have the best chance of getting paid for the full value of any new or aggravating injuries. You can also have a free case assessment by completing our case evaluation form.

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I think I injured my neck in a car accident. Should I wait to see a doctor until after I see a lawyer?

Neck Doctor Lawyer Injury Law

I think I injured my neck in a car accident. Should I wait to see a doctor until after I see a lawyer?

It is always important to seek treatment for any accident-related injury as soon as possible. Because of extensive experience with injured clients, an experienced personal injury lawyer might be able to help you find the right doctor or medical group to help with your neck injury, but you should not delay treatment while waiting for a “referral” from an attorney. While it is true that neck injuries need to be treated by doctors with the right kind of experience to ensure that all problems are detected, most medical providers should take your neck injury complaints very seriously and provide a starting point for treatment. Neck injuries are often very painful and should be addressed as soon as possible.

A written and detailed medical report by your treating doctor that provides specifics as to the degree of injury and depth and length of the injury as well as any associated pain is an invaluable statement as to the value of your damage claim.

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