Even though it is best to avoid getting into accidents, you should know what to do once that occurs. Accidents can be messy and quite troublesome if you do not know how to handle them properly, which is why it is important to always consult a lawyer and know the basics at the very least. Lebanon car injury law firm handles all types of accident-related cases. Some of the ways you can handle car accidents in the best way possible are mentioned-below.
Here are How to Handle a Car Accident:
It is of the utmost importance that you not leave the accident scene no matter how major or minor it is. Running away will put all the blame on you and you would be held accountable for a crime you might not even have done. If you leave someone when they are injured or seriously hurt, you can end up in jail. So, it is best that you stop the car and park it somewhere (if you can) and wait for the ambulance or the police to arrive. But do not leave the crime (accident) scene!
Check to make sure that everyone involved in the accident is physically alright and does not require medical assistance. If they do, call an ambulance! Even if you do not require immediate care, some injuries or pain comes, later on, get yourself checked.
Call the police. Avoid saying sorry or taking all the blame on yourself. Only the police get to decide who the main culprit is, so avoid getting involved in any kind of useless argument or apologies. You need to have a police statement or evidence that you got into an accident to claim the insurance. Without a police file complaint, the insurance company will make everything very difficult for you.
While waiting for the police to arrive, take pictures of the entire accident, make videos. Note down the vehicle numbers, injuries, if there are any, as well as the damages, are done to the cars. When you are being questioned, make sure that you do not lie, exaggerate, or state untrue facts as they could be used against you.
After you file a complaint, call your lawyer. If you do not have a lawyer then get one as quickly as possible. You should not say or do anything without your lawyer being with you or before talking to your lawyer. Although you should always have a lawyer by your side in case of emergencies as it saves a lot of time and money. You also get to learn so many dos and don’ts about laws. Your lawyer will do all the hard work as well as the dirty work (insurance-related work) for you. The lawyer will be talking to the witnesses, collecting information and evidence, doing all the paperwork, as well as get the best deal out of the insurance agencies.
Although the above-mentioned points are for major accidents, however, they can be used in minor accidents as well up until point 3 or 4. In a minor accident, usually, people do not file a complaint and try to solve the accident within themselves. This saves both the party the lawyer fee, dealing with the insurance claims, the police’s questioning as well as the paperwork. However, it is safe and recommended that you go to the hospital for a regular check-up even if everything is perfectly fine.
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In simple words, everyone should keep in touch with a lawyer. If you haven't consulted a lawyer, it is important that you look for one. Even if you have never run into legal trouble, the chances are that you will have to consider the services of an attorney, or hiring a lawyer is turning to be essential at some point of time in your life.
Or, if you run into trouble and don’t know how to sift through a legal issue, only a lawyer will let you know how to walk out of it. However, when you begin looking for hiring a lawyer, you will get overwhelmed because many people have already joined the bandwagon.
4 Things To Consider Before Hiring A Lawyer
When you are about hiring a lawyer, you have first to understand the course of the legal trouble. According to the legal situation and the types of legal concerning points, you have to choose the attorney for your help. But when you are hiring a lawyer, always give the maximum preferences to the more knowledgeable lawyers.
So if you’re looking for an attorney, we will walk you through four important things to consider:
1. Knowledge Is The Power
Simply put, not every lawyer has detailed information about everything related to the business. In fact, most attorneys choose a certain area of expertise and practice it for the rest of their lives. Therefore, when you are hiring a lawyer, always first look at the different expertise areas of the lawyers.
So when you look for lawyers in Singapore, don’t forget to look for an attorney who specializes in your business. For example, if you have been charged with a felony, you will have to contact a criminal defense lawyer and not a personal injury attorney.
2. Character
Do you know how to rest assured about the integrity of the character of an attorney? Long story short, you must know about the character of the person whom you plan to work with. Apart from the legal knowledge that one must possess, they need to be passionate about this work so that they can help you out to the fullest.
Look for somebody who can offer you emotional support and gravitate your case in the right direction. Furthermore, ensure that an attorney has the grace to work on your case and collect necessary evidence.
3. Experience
In law, the number of years served in the industry has got a lot to say about the probability of success of an attorney. Especially if you are about to hire a freelancer or hiring a lawyer, we recommend you to ask about their experience.
On the contrary, if you are about to hire a lawyer, through an agency, you can ask the firm about the portfolio of a certain lawyer. Never choose to work with a newbie because they don’t have any experience of working on a case. Therefore, if you choose to save some money, this will eventually cause you trouble in the long run.
4. Client Reviews
Last but not least, customer reviews are essential when it comes to hiring an attorney. A client review will sift you through the pros and cons of working with a certain attorney. Therefore, if you don’t come across ravishing reviews on an attorney's profile with whom you'd been eagerly looking forward to working, you can look for other options.
Secondly, once you have worked with an attorney, you can give positive reviews on their profile according to how your experience with them has gone. Before hiring a lawyer, always look for the client reviews of the agency or the lawsuits. According to the client’s reviews, you will know how much help you will get after hiring a lawyer.
Conclusion:
You are hiring a lawyer, especially when you are going to need legal advice to sort out a legal problem. Undoubtedly this is very challenging work. But if you follow these four tips, you not only can overcome the situations. You will get connections with a professional lawyer. And legal issues are the parts of human life. So you can not say after your first time hiring you are no longer going to need professional lawyers any longer.
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The UAE Insurance Authority has rolled out new draft regulations for insurance brokerage and online transactions. This draft has 13 chapters and 38 articles that explain insurance broking like governance, registration and licensing, the insurance broker and insurance company roles to the broker, insurance broker’s roles, solvency, mergers, financial reports and disclosures, supervisions, dispute settlements, and penalties.
Who is an Insurance Broker?
The new draft law defines an insurance broker as a juridical individual who intervenes in insurance or reinsurance activities between the insurance/reinsurance proposer and an insurance/reinsurance company and receives a commission from the insurance/reinsurance company.
The provisions of the new draft apply to distribution channels, companies, and any other insurance-related business approved by the authority. These regulations focus on shielding policyholders and guarantee that they receive value for their money by purchasing various products.
The New Insurance Law Provisions
The new insurance law requires an insurance broker to adhere to these regulations for electronic transactions.
Criteria for Insurance Brokerage Licensing
A company must be established in the United Arab Emirates and registered based on the Commercial Companies Law. The company should own a share capital of AED 3 million or more. You need to pay AED 10 million or more and register with the UAE Commercial Law if you run a branch of a financial Free Zone or a Foreign Company. You can consult a law firm in Dubai to help you with these procedures.
It is mandatory to submit an unconditional Letter of Guarantee from a bank; this is paid on demand to the Insurance Authority chairman board of directors. This can be fully or partially liquidated to guarantee the broker’s settlement of transactions and obligations.
You must obtain an insurance policy to cover your profession at a value of AED 2 million for UAE companies and a minimum of AED 3 million for a financial Free Zone or a Foreign Company branch in the UAE.
You must appoint the administrative and technical staff continually. You need convenient headquarters, software, and technical systems for your profession. It is also mandatory to have an internal control system to govern applications of laws, regulations, resolutions, and circulars in adherence to the Insurance Authority regulations. The next step is to submit the agreement between you and the bank, pay the full fees, and comply with any extra regulations. The Insurance Authority approves or rejects the application within 20 working days.
Technical and Administrative Staff
The technical staff of an insurance broker has specific regulations. It is a requirement to appoint at least 1 General Manager, Internal Auditor, Operation Manager, and 1 qualified worker for each type of insurance. Below are the qualifications for the appointment of technical and administrative staff;
A natural individual enjoying full capacity
An individual of good conduct; never been sentenced for freedom restricting punishment in a moral decadency crime without rehabilitation.
Pays his commercial debts even if not declared bankruptcy.
You need to notify the Insurance Authority of appointments, transfers, terminations, or modifications within 60 days.
Roles of the Insurance Broker
You must make internal by-laws and submit a copy to the Insurance Authority Dubai offices within 3 months after obtaining a license. You must review and update the internal control system continually; this ensures that you have proper laws, regulations, resolutions, and circulars.
It is necessary to design an Operations Guide for periodical updates, risk management, and review it according to the rules. Create a professional code of conduct for the staff and supervise and plan their duties according to the Insurance Authority (AI). Collaborate with the internal controller to enable employees to perform their tasks and report any violations to the authority.
You can only dismiss the internal controller by the board of management or board of directors’ decision; this happens if you notify the internal controller and IA of the dismissal at least 30 working days before the dismissal.
Penalties
The IA developed penalties so that insurance brokers do not violate the instructions, regulations, laws, and circulars. If you violate any laws, you receive a warning that compels you to remove the infringement and ensure this does not happen in the future. The IA might suspend you from practicing for a maximum period of 1 year.
The Insurance Authority cancels licenses in the following incidences;
Violating any license conditions
Gross breach of your obligations
Failure to renew your license (delay paying fines or failure to pay renewal fees)
A final bank declaration associating you with bankruptcy
The dissolution and liquidation of your practice
Failure to practice your licensed profession within 6 months after obtaining the license
If you obtained your license through false information.
The insurance sector in the United Arab Emirates is expected to rise; this is why the Insurance Authority issued new regulations to govern insurance brokerage. Brokers have to adhere to set regulations or face penalties. Technical and administrative staff also has to meet various qualifications. This allows brokers to have a set of laws to refer to.
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Getting yourself involved in an auto accident might be a distressing experience. However, it's essential to remain calm and further take necessary actions to ensure your safety and protect your legal rights after an accident. By following a structured approach, you can navigate the aftermath of an accident more effectively.
In this article, we will outline five crucial steps you need to take post an auto accident to help you handle the situation with confidence and care.
Safety First, Always
The first priority after an accident is the protection of everyone involved. Assess the situation and, if possible, take your vehicle to a much more secure location far from the crowd. Turn on hazard lights along with creating flares or warning triangles to warn other drivers. Check on the well-being of passengers, drivers, and pedestrians and call emergency services if medical attention is required.
Contact Law Enforcement As Well As Exchange Information
In most cases, it's crucial to contact law enforcement officers and disclose the accident details. Dial the emergency services hotline or the non-emergency police line to inform them of this incident. While you wait for their arrival, exchange data in case other parties are involved. Procure their names along with other relevant details like license numbers of the drivers, license plate numbers as well as insurance data. If there were witnesses, ask for their contact information as well.
Document The Accident
Gathering evidence is essential for insurance claims and potential legal proceedings. Use a camera or your smartphone to click pictures of the spot where the accident took place from various angles. This might include damaging the vehicles, road conditions, and of course, skid marks.
Note down important details like the time, date, location, weather conditions, and/or significant factors that may have contributed to the accident. These records will assist you when Steps To Take After An Auto Accident.
Make The Concerned Insurance Firm Aware
Promptly make the insurance company aware of the accident. Offer them accurate and comprehensive information about what transpired. They will inform you everything about the claim process, including any necessary paperwork. It's important to adhere to the reporting deadlines outlined in your insurance policy, as late reporting may result in claim denial. You must completely cooperate with your insurance agency during the investigation.
Ask For Medical Attention And Legal Guidance If Needed
Even when you think you haven't suffered any serious injuries, it's advisable to seek medical help after an accident. Some injuries may not be immediately apparent, and a medical evaluation can identify underlying issues. Additionally, if you experience any ongoing pain or complications, consult a personal injury lawyer, further specializing in auto accidents. When you want guidance on legal matters, help to protect your entitlements, and assistance with any potential legal claims, they are the ones to trust.
Being indulged in an auto accident is no less than a stressful and overwhelming experience. However, taking the appropriate steps in the aftermath is crucial for your safety, well-being, and legal protection. Remember to prioritize safety, contact law enforcement, exchange information with other parties, document the accident scene, notify your insurance agency, and seek medical help if necessary. By following these steps, you can navigate the aftermath of an auto accident more effectively and ensure a smoother claims process.
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