OMAHA, Nebraska. If you’ve gotten hurt in a car accident, one of the challenges you might be facing are unexpected medical bills. If you don’t have savings in the bank or if you don’t have health insurance, unexpected medical bills can be incredibly stressful. According to USA Today, approximately 57% of Americans have less than $1,000 in savings. Emergency room bills and out of pocket deductibles can easily exceed these figures. According to HealthCare.gov, the out of pocket maximum for an individual in the marketplace plan is $7,900 and the out of pocket maximum for a family is $15,800. But what can you do if you find yourself facing out of pocket expenses and medical bills after a car accident? Here are five steps you can take: Read more

OMAHA, Nebraska. Have you been hurt in a car accident? Are you starting to receive medical bills in the mail? Medical bills following a car accident can leave victims and their families with tens of thousands (and in some cases, hundreds of thousands of dollars) of debt. Even individuals with medical insurance might find themselves facing high medical bills. Read more

OMAHA, Nebraska. If you’ve been in a serious accident, you may be entitled to seek damages and a recovery from your insurance company for medical expenses and repairs to your vehicle. If your car was seriously damaged, however, your insurance adjuster may declare your vehicle a total loss. Cars are declared totaled when the cost to repair the vehicle exceeds a certain preset percentage of the cost of replace the car. Every state has different thresholds for when an insurance company can declare your vehicle a total loss. According to CarInsurance.com, the threshold is 75% in Nebraska. This means that if the costs to repair your vehicle exceed 75% of the cost to replace your vehicle based on its current market value, your car will be declared totaled. Your car may also be declared totaled if your vehicle is too damaged to be safely replaced. Read more

OMAHA, Nebraska. Self-driving cars are generally portrayed as a technological leap that will happen long into the future. However, in a city called Chandler, Arizona, in just the next few weeks, residents will be able to hail driverless cars. According to the Atlantic, the program is known as Waymo One, and it will be the first time driverless vehicles will be available on the road commercially. Read more

OMAHA, Nebraska. Artificial intelligence is getting better and better than ever at analyzing insurance claims, crunching big numbers, and helping insurance providers match their clients with the coverage they need. According to Forbes, more insurance companies can use artificial intelligence to analyze each consumer’s needs and offer them insurance packages that work best for them. Likewise, these same companies can process claims more readily after a crash, often without even requiring a human adjuster to do any of the work. While this can be great for the insurance companies in terms of money and time saved, policyholders need to be aware of how this process can impact their claims and the value of their settlement. Computers can make errors. Sometimes these errors don’t get caught, especially if insurance holders don’t speak up. Some policyholders may not even be aware that they can dispute a denied claim. Other policyholders may not be aware that they can fight for more money if their claim doesn’t cover their expenses. Read more