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Attorney Portrait Articles

What to Do When Insurance Companies Drag Their Feet?

When you present a personal injury claim to a defendant’s insurance company, you expect them to handle your claim with professionalism and try to resolve it within a reasonable amount of time. In other situations, you may encounter delays from your own insurance company. When an insurance company delays resolving a claim, it may be guilty of acting in bad faith. If you suspect the insurance company is dragging its feet, speak with the experienced Birmingham personal injury lawyers at the Fob James Law Firm. Types of Bad Faith Claims There are two main types of bad faith claims. These are first-party and third-party bad faith. First-party bad-faith claims involve your own insurance company, while third-party bad faith claims involve another party’s insurance company. Examples of Bad Faith Actions by Insurance Companies Every bad faith claim is different, but there are certain actions we see more commonly than others. Lengthy Delays Settling an insurance claim can sometimes be a lengthy process. Some delays and waiting are to be expected. However, when the insurance company takes an unreasonably long time to respond to you and has not provided any reason for the delay, it could be bad faith. Lowball Offers When an insurance company intentionally undervalues your claim to reduce their own payout, you have the right to counter them with a reasonable demand. If your case is clearly worth more and they refuse to entertain reasonable settlement discussions, they may be acting in bad faith. Unexplained Denials Insurance companies have a duty to investigate your claim. Sometimes they may deny at the onset due to a coverage issue, which should be explained. If there is coverage and they conduct an investigation, they cannot deny your claim with no explanation. If the insurance company unfairly denies your claim or refuses to offer any reason why they denied it, this can also be bad faith. Using Illegal Tactics While less common, some insurance companies engage in illegal behaviors to avoid paying out a claim. They may withhold a witness, alter evidence, or partake in other deceitful activity to undermine your claim. Steps to Take When the Insurance Company Is Dragging Their Feet When you think an insurance company is intentionally delaying settling your insurance claim, you should be persistent. Continue to contact the assigned adjuster. Don’t just leave voicemails but send emails as well to create a paper trail. Ask for specific details. For example, if they say a supervisor is reviewing the case, ask when you will receive an update or when the review will be done. Try asking to speak with the adjuster’s supervisor. If the adjuster will not put you through, call back on the general number and ask for the supervisor on your claim. Consider sending a formal demand letter in writing. This step shows the insurance company you are serious, and they must address and respond to your demand letter. Your next step is to contact an Alabama bad faith insurance lawyer who can help. At the Fob James Law Firm, we deal with insurance companies on a daily basis and know how to recognize these bad faith tactics. If you suspect bad faith claims handling in your own case, please contact our office right away. Let us put our knowledge and experience to work for you. We will review your case, confirm whether you have a viable bad faith claim, and let you know how to proceed. 

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Attorney Portrait Accident Reports

How to Get a Copy of Your Tuscaloosa Accident Report

If you were involved in a motor vehicle collision in Tuscaloosa, you might be considering filing a legal claim with the other driver’s insurance company. In most cases, you will need a copy of your accident report to get the process started. After a motor vehicle collision, the police officer reporting to the scene will complete and file an Alabama Uniform Traffic Crash Report form. This form contains a variety of valuable information that will be required for pursuing a legal claim or lawsuit. You can obtain Tuscaloosa car accident reports in a few different ways, some of which are easier than others. How to Get a Copy of an Accident Report in Tuscaloosa, Alabama Although you can file a Tuscaloosa police report online, the police department does not provide a direct way to obtain a copy of a report electronically. Instead, their website directs you to the LexisNexis police report site. This site allows you to search police and accident reports and obtain copies. You must have been involved in the accident to review or obtain a report. You also need to have the report number or the date of the accident and last name of a driver. You can also call the police department’s non-emergency number, (205) 349-2121, and arrange to obtain a copy of your report or request one in writing through the mail. Where Is the Tuscaloosa Police Department? The Tuscaloosa Police Department is physically located at 2501 Hargrove Rd E. Tuscaloosa, AL 35405. Their phone number is (205) 349-2121, and their email address is police@tuscaloosa.com. Within the city limits, you can also use Tuscaloosa’s assistance line by dialing 311. Are There Any Other Ways to Get a Police Report in Tuscaloosa, AL? Another option for obtaining Tuscaloosa accident reports is through the Alabama Law Enforcement Agency (ALEA). They offer an alternative option for you to order a Tuscaloosa accident report online. For both the LexisNexis site and ALEA, you must use a major credit card to complete the order. How Much Does a Tuscaloosa Accident Report Cost? If you obtain your report from the LexisNexis database, the cost is typically $23 per a report, although this fee is subject to change at any time. If you obtain your report via the ALEA website, the cost is $17.00. Not At-Fault and Need Help With Getting a Copy of the Accident Report? If you need help with getting your Tuscaloosa accident report, reach out to us today! Request Your Accident Report Contact the Tuscaloosa Police Department for information on how much it will cost to obtain a copy of your report directly from their records office. Contact an Alabama Car Accident Lawyer for Help with a Tuscaloosa Accident Report The easiest way to get your police report is to contact an Alabama car accident attorney. Your attorney will gather all the evidence necessary to build a persuasive case on your behalf, including the accident report. At the Fob James Law Firm, our Alabama car accident lawyers work diligently to build your case and negotiate a settlement with the at-fault party’s insurance company. If necessary, our experienced litigators will file a civil lawsuit and fight to get you justice in court. You could be entitled to recover compensation for your medical treatment, lost income, pain and suffering, and more.

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Attorney Portrait Articles

Common Causes of Trucking Accident Injuries in Birmingham

Commercial truck accidents are unfortunately common in Birmingham, as our city is home to the active commercial transportation industry. If you suffered serious injuries in a truck collision, you face a long road to recovery and potentially devastating medical bills. If you can’t work, you may have no way to pay your bills or take care of your family. An experienced Birmingham truck accident attorney from the Fob James Law Firm can help. We fight to help you recover compensation for your physical, emotional, and financial damages. If you were involved in a semi-truck accident that wasn’t your fault, we can help—no matter what the cause of your truck accident injuries might have been. The Most Common Causes of Birmingham Truck Accidents The Alabama Department of Transportation (ALDOT) reports that, in 2018, our state experienced more than 10,000 truck accidents involving vehicles such as commercial semi-trucks, 18-wheelers, tow trucks, and delivery trucks. In those collisions, 2,629 victims sustained serious injuries and 121 truck accident victims died. The most common types of trucking accidents in Alabama are: Blindspot accidents Head-on collisions Jackknife accidents Rear-end collisions Roll-overs, and Underride accidents The most common causes of truck accidents in Alabama, according to ALDOT, are: Improper backing Excessive speed Improper passing Driver fatigue Driver impairment Tailgating Failure to yield, and Improper lane changes Other factors that frequently lead to truck collisions include: Improper or neglected vehicle maintenance, Defective equipment Roadway obstructions Poorly marked roadways, and Insufficient traffic control If you had a collision with a heavy-duty commercial vehicle, contact a truck accident lawyer as quickly as possible. Preserving evidence in these types of collisions can be challenging, and the sooner your attorney can start documenting your case, the better. Injured in an accident? We can help with a free-case analysis Begin Free Case Review Here Common Truck Accident Injuries Large commercial vehicles such as 18-wheelers, tractor-trailers, and semi-trucks are heavy and difficult to control under many conditions. The size and weight of these vehicles can destroy passenger vehicles and cause catastrophic injuries to the occupants. Some of the most common types of injuries that result from trucking collisions include: Fractures and dislocations Traumatic brain injuries (TBIs) Neck and spine injuries Nerve damage Internal injuries Severe burns, and Lost digits and limbs Victims can sustain permanent scarring, disfigurement, and disability, requiring lifelong treatment and care. Hundreds of truck accident victims lose their lives every year in Alabama. If you or a loved one were injured—or if you lost a loved one in an Alabama truck collision—seek help from an experienced truck accident lawyer in Birmingham. Who is Liable for Commercial Truck Accidents? In a collision involving two passenger vehicles, the drivers and their insurance carriers are typically the only parties involved. In a commercial trucking accident, however, you must deal with multiple parties, depending on the circumstances of the crash. Typically, you must deal with the truck driver, the trucking company, and potentially, the cargo shipper and trucking equipment manufacturer. In addition, each party likely has their own insurer and attorneys. Determining liability for a truck accident can pose a complex challenge. Documenting the case and obtaining evidence to prove liability can be even more difficult. After a trucking accident, evidence should be preserved and a thorough investigation should be conducted before the trucking company or its insurance carrier destroys the evidence. Examples of evidence that should be preserved and investigated include: The truck driver’s logbook, which shows how long they were on the road in the past 24 hours. The truck driver’s medical certificate showing that they are cleared to drive, and The truck’s onboard computer, which will reveal key data about the crash and the events leading up to the accident. While these pieces of evidence can help prove that the truck driver or trucking company was negligent in the accident, they could be lost if immediate steps aren’t taken to preserve evidence. In most cases, you need an experienced truck accident attorney to preserve and collect evidence and to investigate these complicated incidents. Contact a Truck Accident Attorney in Birmingham At the Fob James Law Firm, we understand the pain you’re experiencing, as well as the confusion and uncertainty for the future. Our experienced personal injury lawyers provide personalized representation that is tailored to your needs and the details of your case. We work hard to get you the maximum compensation for your injuries. Contact us online or call (205) 407-6009 today to learn more or to schedule your no-cost, no-obligation consultation with one of our Birmingham truck accident lawyers.

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