Archive for the ‘Insurance’ Category

12 January

The Difficulties Of Significant Auto Accidents In Harford County, Md

byAlma Abell

Auto accidents happen all the time. In these situations, insurance carriers that insure the drivers involved in the accident, whether they were at fault or not, typically handle any of the financial repercussions of an auto accident. While this is the way it should work all the time, unfortunately, it doesn’t. With some auto accidents in Harford County, MD, the severity of the accident can oftentimes mean an insurance company will have to pay out significant amounts of compensation, which can be a bit more problematic.

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Insurance companies don’t like to pay out huge sums of money, and they’ll do everything they can to avoid this. Sometimes this leaves the people who need the compensation in a bit of a difficult situation. In these cases, legal help may be necessary.

A legal service, like what might be found at, could be extremely helpful in representing people who aren’t getting the sort of response or the compensation that they require from an insurance company. The good thing is that an attorney that handles auto accident cases is typically very familiar with the tactics employed by insurance companies. They also have very effective means to deal with them.

Contrary to popular belief, not every auto accident lawyer ends up taking an insurance company to court. While this is an option, many times the lawyer would rather negotiate with the insurance company in order to get an equitable settlement. In fact, sometimes the presence of an attorney is all that is needed in the negotiating process, and this can often lead to insurance companies making adequate compensation offers.

It’s easy to think that auto accidents in Harford County, MD can be taken care of with little to no hassle. In fact, for minor accidents, this is precisely what happens. However, for accidents that require high levels of compensation, like those that affect a person’s quality of life for a longer period of time, or perhaps permanently, insurance companies may be a bit more difficult to work with. With the help of an attorney, through negotiations or through lawsuits, a person can have the compensation they need. This compensation can make up for lost wages, for property damage, to pay their medical bills and receive the sort of long-term care they may require after a serious auto accident.

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10 November

Estate Planning Basics


The term “estate planning” may have sounded very stodgy and old school at one time but in today’s society, it has become as basic as auto insurance for many people. When considering your estate planning, there are some basic things to keep in mind and a good estate attorney in Harrisburg area will guide you through all of them.

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The first rule of thumb is that estate planning is not simply for the “rich” (whatever that actually means anymore). Everyone can benefit from a plan to help protect and provide for their loved ones upon their death. When you remember that estate planning is not simply about money but about belongings as well, it becomes much clearer. Nobody likes to think of their children as fighting over who gets the dishes or special item after they are gone. A will can prevent most of these difficult situations and more.

Your Estate attorney in Harrisburg will help you understand the multiple elements of any estate planning. These include a will, a power of attorney, a living will or a healthcare proxy (also known as a medical power of attorney). For select people, a trust may also be in order, depending on individual situations. Your lawyer will start by getting a good inventory of your assets and identifying who shall be responsible for anything from your assets to your medical and physical conditions and decisions.

As you move through your estate planning process, your estate attorney in Harrisburg may suggest that you discuss the plans with any of your heirs to help prevent future disputes or even confusion. This can be a difficult task but likely will pay off later on when the plan must be executed as that will be a time of grief for most of the heirs and so you will have alleviated a lot of worry from them by outlining things ahead of time.

Because the federal tax laws change regularly, you will need to check with your estate attorney in Harrisburg regularly even after the development of your estate plan to see if any changes are in order. You will want to work to make sure that as much of your estate is left tax free or in as simple of a manner as possible. This goes for anything left to heirs as well as any planned giving components to your estate plan. Because there are multiple—and moving—components to an estate plan, you will want to find an experienced estate attorney in Harrisburg to help you at all steps.

Get a good referral for an estate attorney in Harrisburg so that your heirs are protected after your death. Help prevent family disputes and legal problems with a good plan from an Serratelli, Schiffman & Brown P.C. area.