Getting compensation after a car accident isn’t instantaneous, but you shouldn’t allow insurance companies to confuse you out of getting it. After you’ve made a claim with the other driver’s car insurance carrier and been released from medical care, you and your attorney can work to claim your compensation. The first step is writing the demand letter. First, it’s important to list the facts: circumstances that led up to the crash, the direction you and the at-fault driver were headed, weather conditions, and defensive maneuvers taken by you to avoid collision. Support your perspective with the police report and any available witness statements. You should clearly establish the fault of the other driver in this letter, then provide all the information relating to injuries you’ve sustained. Use medical terminology when explaining your diagnosis and treatment, and don’t forget to list your physicians and clinics with dates and explanations of each visit. Itemizing a list of your medical bills will give a full scope of the damages at a glance as well. Don’t hesitate to include your lost wages and other losses, such as missing family or work events due to medical recovery. Once you’ve established that, make a specific demand for money as compensation. Start high to leave room for negotiation. GET YOUR INSURANCE COMPENSATION TO FOLLOW THROUGH COMPONENTS TO A GOOD DEMAND LETTER If you don’t get a response, then make sure to contact them again — your letter could’ve been misplaced. However, keep in mind that insurance companies ultimately want to pay as little as possible. If you know they’ve received the letter but seem evasive when you ask about a response time frame, then they’re trying to avoid you. You and your attorney can craft a final letter of demand, giving them seven days (more or less, if desired) to respond before you file a lawsuit. If they still don’t respond, then sue. More often than not, they’ll offer a settlement before possibly going into court and paying more. Consult your attorney on the best course of action from there. A well-written demand letter initiates constructive negotiation, and that can be hard to do if the injury victim is tackling the insurance company alone. Get a free consultation with Obiorah Fields so we can fight for you! MEETING DEMANDS NAVIGATING AN UNRESPONSIVE CARRIER
TIME TO GET BACK OUT THERE! EXPERT ADVICE TO BEAT THE STIGMA OF SENIOR DATING
Getting back into dating can be hard when you’ve been out of the game for a few decades. In fact, some would-be romantics are so self-conscious about their age that they never even try! In honor of Valentine’s Day, we’ve rounded up some expert advice on dating at any age.
DON’T FEAR ONLINE DATING.
Online dating is a great way to meet people outside of your social circle, and there are many dating sites and apps specifically for singles over 50 who are ready to mingle. Julie Spira, a relationship expert with senior dating app OurTime, says that “Authentic dating profiles get the best results.” Basically, don’t lie on your profile. Use a picture of you from this year and be proud of your age. That’s the best way to find people who will love the real you. Prefer to meet people in person? Lisa Copeland, a dating coach who works exclusively with women over 50, recommends creating a list of 26 different places in your area, one for each letter of the alphabet, then going to those places. While you’re out, Copeland says, “You want to smile. Make eye contact. Ask a question. Give a compliment and put a question behind it.” Dating as a senior means coming to the table with a lot of baggage. Dating is when people get acquainted, so be careful about sharing that baggage right out of the gate. This doesn’t mean you should never talk about heavy topics, but remember this advice from the popular dating site, eHarmony: “Early on, focus on enjoying each other’s company here and now.” It doesn’t matter if you’re 26 or 62, dating is always hard. You have to step outside your comfort zone and trudge through a series of terrible first dates. But in the end, it’s all worth it when you find that special someone with whom you can spend your golden years. Just remember, you’ll never meet that person if you don’t make the leap. BE PRESENT WHEN MEETING NEW PEOPLE. GO TO 26 DIFFERENT PLACES.
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