Obtaining Insurance with prior and/or pending personal injury claims:
Plaintiffs who are represented by personal injury lawyers and receive favorable trial verdicts have no
more and no less difficulty obtaining future coverage than those who merely file claims. Almost all
companies tend to reject applications that include reports of two prior personal injury claims, or
alternatively, require substantially higher premiums. If you are having difficulty receiving affordable
quotes, we hope you find the financial resources listed below helpful. All sites submissions are reviewed
for reasonable quality and relevancy to personal injury lawyers, claims and litigation issues commonly
encountered by plaintiffs.
Virtually all insurance companies have access to national databases that report coverage
transaction activity. Claims filed in the past are included regardless of inclusion under policies coverage
for health, home, auto, workers compensation, and many others. Claims filed by personal injury lawyers on a
policy maintained by others (employers, professional organizations, family members) are reported. Purchases
of coverage as a principal and inclusion as a beneficiary are reported regardless of prior claims. Even a record of prior applications which may have
been denied are included in activity reports which are reviewed with each new request for coverage. Few
policy holders are aware that insurance companies generally are exempt from U.S. federal antitrust regulation
(according to 15 U.S.C. Sec. 18a - the "Hart, Scott, and Rodino Act"), and
consequently remain free to routinely trade activity information and personal data between competing
companies.
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Legal disclaimer regarding personal injury law information:
All claims and parties are unique. A personal injury lawyer must understand the factual issues
surrounding each claim and the desire of each client, before rendering competent legal advice. This website
is intended to provide general information only regarding the claim resolution process. This website is not
intended as legal advice. All legal questions should be directed to qualified legal counsel. Likewise, no
representation, express or implied, is made regarding the content or opinions contained within any
resource/third party websites appearing herein.
Recommended Insurance Sites:
- Insurance Options - refresh.
Other financial options may also be valuable if experiencing hardship
while represented by a personal injury lawyer. Many attorneys offer cash
advances, or may recommend lucrative commercial alternatives.
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