5 Things Insurance Companies Don’t Want You to Know – St. Louis Auto Injury Lawyers

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If you have been involved in a St. Louis automobile accident, your first instinct may be to call up the insurance company and get your claim sorted as quickly as possible. You may reason that they have your best interests at heart and you simply do not want the headache of dragging out your claim. However, it is vital that you speak with an experienced car accident lawyer as soon as possible after an accident. Simply put, there are things the insurance company DOES NOT want you to be aware of.

Top 5 Things Your Insurance Company Doesn’t Want Your to Know

  1. They are NOT on your side. The claims adjusters and insurance attorneys are working for their shareholders, not for you. Keep in mind that they are paid to minimize the money that is paid out to claimants.
  2. If you’ve been in an accident, a claims adjuster or attorney working for the insurance company is at the scene of the accident gathering evidence to minimize the amount of compensation you receive or deny your claim altogether. It is therefore, important to contact a personal injury attorney ASAP, so they can begin gathering evidence and witness testimony to support your claim for compensation.
  3. Insurance companies often ask confusing questions in an effort to have you admit to something you do not fully understand and that can be used against you in court at a later date. Do not give any statements to the insurance company without the representation of an experienced attorney on your side.
  4. If the person who caused your auto accident does not have sufficient coverage to cover your claim, and you have underinsured motorists coverage that exceeds their coverage, you may be entitled to compensation from your own insurance company. Our attorneys can help you make this determination.
  5. While insurance companies will do anything they can to discourage you from speaking with an attorney, it is important to realize that they have high-powered attorneys protecting their interests. This is why it is so important to have an experienced attorney on your side, protecting your interests.

If you have been involved in a St Louis car crash, it is very important that you speak with an attorney as soon as possible to gain a more than even footing with the insurance company and ensure your interests are protected.

At The Hoffmann Law Firm, L.L.C. our attorneys are here to help. We have over 15 years of experience and work on a contingency basis. This means we only get paid if you do.

Call (314) 361-4242 for a free and private consultation today.

Driving Safely Despite the Weather

Driving at night in bad weather can pose a big challenge for any driver. Use the following tips to learn how to stay safe under these conditions.

safe driving ST. Louis

The biggest challenge for any driver, whether young or old, is to drive in the rain after dark. Many motor vehicle accidents occur when it rains during the night. However, some precautions can help avoid night time accidents caused by poor visibility and adverse weather conditions. In this post, our St. Louis car accident lawyer offers some tips to drive safely in the rain during the night.

Rain Repellents, Windshield Wipers, and Headlights

1. There are rain repellents available in the market that can be applied to the windshield to improve visibility in the rain at night. The rain repellent creates a protective layer on the windshield and causes the rain water to bead up and does not let it slide off the windshield.

2. The quality of your windshield wipers directly affects your visibility in the rain.

  • Experts recommend that windshield wipers should be replaced at least once every year so that visibility is not affected. It is especially important to replace the wipers if you park your vehicle in the open.
  • Some wiper blades are designed to exert uniform pressure along the blade. This ensures a smoother wipe and better performance.
  • Rain repellent wiper blades offer better performance and higher durability. These wipes blades are a great choice for your car if you have to drive in the rain frequently.
  • Invest in flexible wiper blades or silicone wiper blades. Flexible ones work well in cold weather and offer a quiet and smooth wipe. If you driver a high performance vehicle, then silicone wiper blades are a good choice as they are extremely effective in adverse weather conditions such as rain, fog, and snow.

3. With prolonged use, your headlights can become dim and as a result diminish your visibility. Regularly check the headlights for brightness.

4. If you have to frequently drive at night in the rainy season, then it is a good idea to change to high quality bulbs.

5. If your headlight lenses are dirty and cloudy, clean them properly before taking your vehicle out for a drive at night.

Keep Your Speed In Check

6. Use low beam head lights when it’s raining. It improves visibility and ensures that others can spot your car easily.

7. Adjust the rear view and side mirrors properly. Set the day and night switch located on the rear view mirror appropriately to improve visibility when it is raining.

8. No matter what steps you take to improve your visibility at night in the rain, driving will still be difficult and risky, so it important to keep your speed under check on wet roads.

If you have been injured in an accident caused by another driver’s negligence, immediately seek help of an experienced St. Louis car accident attorney. Call The Hoffmann Law Firm, L.L.C. at (314) 361-4242 for a free consultation.