Por qué necesitas un abogado

Los huracanes afectan a todos, no solo a los propietarios. Huracanes dejan rastros de devastación. Los huracanes dejan un rastro de devastación y lleva años reconstruir la comunidad. Esto se debe en parte a que, aunque los propietarios pagan el seguro del propietario, a menudo se niegan sus reclamaciones o se les paga una cantidad inferior a la que merecen. Por este motivo, es importante hablar con un abogado antes de aceptar el monto ofrecido por la compañía de seguros.

En 2017, el huracán María destruyó miles de hogares en Puerto Rico. El huracán fue clasificado como nivel cinco y más de tres mil personas murieron.

El proceso para presentar una reclamación puede ser confuso y complicado. El proceso se crea para dar a las compañías de seguros la ventaja sobre el titular de la póliza. La compañía de seguros asigna un ajustador a su reclamo que lo lleva a creer que están de su lado. Pero, la realidad es que ellos trabajan para la compañía de seguro. Desafortunadamente, hay casos en que las compañías de seguros actúan de mala fe. Esta es otra razón por la que necesita hablar con un abogado.

Abogados de reclamo de seguros en Puerto Rico

Un abogado lo ayudará a asegurarse de que reciba lo que tiene derecho a recibir de acuerdo con su póliza. Un abogado será su defensor y tratará con la compañía de seguros para que usted no tenga que hacerlo. El abogado también lo guiará en cada paso del camino y le explicará el proceso.

Perder una casa no es fácil para nadie, pero contratar a un abogado disminuirá su carga para que pueda concentrarse en lo que realmente importa, su familia. No deje pasar más tiempo y póngase en contacto con un abogado con experiencia hoy. Recuerde que no está solo, nuestros abogados están listos para ayudarlos.
Para recursos adicionales, visite a la página web: https://www.naic.org/puerto_rico_office_of_insurance_commissioner.htm

El sitio web de la Oficina del Comisionado de Seguros de Puerto Rico tiene muchos recursos para los dueños de casa. El sitio incluye referencias como:

¿Sabe usted qué hacer para que a la hora de presentar una reclamación bajo su seguro de propiedad por los daños causados por un huracán tenga la información y los documentos necesarios para que la misma sea procesada?

¿Puede usted hacer arreglos a su vivienda antes de hacer la reclamación al seguro?

¿Sabe usted qué hacer para reclamar a su seguro, luego del huracán o inundación?

¿Sabe si su seguro de propiedad le cubre aunque haya tenido que desalojar su residencia por la amenaza de un desastre?

¿Sabe usted qué debe hacer si quiere hacer cambios en su póliza para proteger su vivienda?

¿Dónde debe mantener los documentos relacionados a su póliza de seguros?

¿A quién debe reclamar su seguro?

¿Sabe usted cuánto tiempo debe esperar para recibir el pago de su reclamación?

¿Qué recomienda el Departamento de Justicia para evitar comprar un vehículo previamente inundado? ¿Puedo acceder al Sistema Nacional de Información sobre Títulos de Vehículos Motorizados (NMVTIS) para revisar un vehículo?

Learn More

Why Lawyers Say No

It can be an incredibly upsetting experience. You’ve been injured, you know someone has done harm to you, and you have come to a lawyer for help. Then, after they listen to your story, they tell you no. It’s easy to take that experience and feel a great deal of anger and betrayal. After all, what do personal injury lawyers do but tell you that they want you to come to them for help? And now that you’ve come, you hear the one word you didn’t expect: no. However, it’s important to understand why lawyers say no and what it means for you and your case.

There’s one main reason that lawyers say no. It isn’t because they don’t think you have a case; it’s because they think your case isn’t right for them. Lawyers have a difficult job in keeping the right balance in their caseload. They want to take as many cases as they can, because that allows them to help the most people. They also want to do a good job in every case they take. That creates a tension in their choices. You can only put your full effort into so many cases at once. When too many cases come along at once, you have to choose some to say no to.

Adams Law Firm echoes this point in explaining the philosophy of their firm. They explain that they say no to cases more often than they say yes because they want to provide the best legal assistance possible for each client they say yes to. This is probably the case for most good law firms. The lawyer who said no to you was not saying you were a fool for wanting to pursue a case or that you have no case. Instead, they are saying they are not the lawyer, at this particular moment, to take your case. They may have a huge caseload or the case may be outside their area of experience. It may be a case that will require a great deal of time and focus that they just can’t spare at the moment.

This is an important point to understand because too many people take no from the first lawyer they talk to and assume the worst. They give up on their claim, and they try to deal with the awful consequences of their accident on their own. They assume no means there is no potential for a case.

That’s why I want to make this point very clear: don’t stop pursuing your claim when you hear no. That’s no for that one lawyer, not for all lawyers. If you hear no, go to the next law office and try there. If you hear no again, try another. There are likely many lawyers in your area, and if you show some dedication, you are almost certain to find a lawyer for your case.

Learn More

Too Many Trucks on the Road

There are so many big trucks on the road these days, it’s starting to feel like more than a hassle, it’s starting to feel like a threat. I often feel suffocated by the number of trucks around me. Although they’re supposed to stay in the far left lane, it’s now a common occurrence for me to find a truck to my left, a truck to my right, and a truck in front or behind me. It’s claustrophobic, and something needs to be done about it.

I’m sympathetic to the argument that we need trucks. We have to get things shipped somehow, and this is a country that decided to ship by truck instead of by train (which helps free up the roads in other countries). Perhaps we really can’t do anything about the number of trucks, but we should do something about how they drive.

Why is it, for instance, you never see the police pulling over trucks for clogging all the lanes? They pull over cars all the time for speeding or driving inappropriately. Why not trucks? A few extra tickets cutting into the income of truckers, and they may be more willing to stay where they are meant to stay on the road.

Another option might be more cameras on the road. If the police won’t ticket bad truck drivers, why can’t cameras do so automatically? If the cameras are hidden, all the better, then truckers won’t know which parts of the road to be safe on, and they’ll be forced to assume they always have to be on their best behavior.

A final possibility, and really, the most likely, is more automation in trucking. The future is driverless trucks that follow along almost like trains without drivers to get impatient and try to force their way over a lane or two just to go a mile or so faster. Once this technology comes in, we’ll all be much safer, but how long will we have to wait?

Apparently, you should react in this order: seek medical care, contact police, save your documents, don’t sign anything, and contact a lawyer.

I assume they have purposefully left off the real first steps, which are: curse loudly, scream at the driver who caused the wreck, take lots of photos and post them online, call your parents and cry for a while.

It would be nice if I didn’t have to think about all these issues now, but I just don’t see the roads getting any better in the near term. Though it would be a great help, the police aren’t going to start pulling truckers over, and no one is going to pay for those cameras. So, until the trucks drive themselves, we’ll have to all be prepared for the worst.

Learn More

Common Disagreements in Divorce

Divorce is not a simple legal matter. There are so many legal aspects where you and your spouse can disagree with, and these can make the divorce process even longer. A long divorce process has a lot of disadvantages, such as the burgeoning legal fees, lost time, and the emotional strain.

According to the website of the San Antonio divorce lawyers at Higdon, Hardy & Zuflacht, the disagreements may come in many forms, such as in child custody, child support, spousal support, and property division.

In child custody, the top priority is the best interest of the child, and there will be a lot of factors involved to know this – such as the relationship of the child to each parent, each parent’s ability to provide, each parent’s maturity and criminal record, and the child’s preference.

In child support and spousal support, calculations will depend on many factors as well, such as each parent’s earning capacity, whether or not each parent has affected the earning capacity of the other, future expenses after separation, and even the duration of the marriage and age of the child involved.

In property division, all assets and liabilities can be divided fifty-fifty or give more to the spouse that has deserved more, and this will depend on the state and its rules regarding property division.

Despite already having determined factors to cater to these possible areas for disagreements, spouses will still find them unfair, and with legal help, they will do everything they can to turn the conditions to their advantage, or at least make them “fair.” This results into longer divorce processes.

To avoid the legal hassle of long divorce, many couples opt for other legal options, like mediation, wherein an unbiased mediator takes the spouses in a less formal setting, lets them voice out their opinions, and helps them come up with a compromise. This results to faster results, not to mention less emotions during the separation process because of mediation’s less argumentative nature.

At the end of the day, it is still the couples’ choice whether they will make the divorce proceedings complicated and longer or simple and fast, and sometimes, anger, guilt, jealousy, and other negative feelings they have for their partners cloud their judgment.

Learn More

Eligibility for Social Security Disability Insurance

The Social Security Administration is managing a federal insurance program that aims to aid those who cannot continue to work because of a disability, and this program is called the Social Security Disability Insurance, also known as SSDI.

To be eligible to this program, certain factors are considered, such as your number of years in employment, age in relation to your work credits, and medical condition. These factors may vary on a case to case basis. For example, those who have worked for a long time, have aged a lot, and have sustained a severe medical condition, are more likely to get approved by the Social Security Administration, compared to a less experienced worker who has sustained a disability in a relatively young age.

According to the website of Hankey Law Office, P.C., this program involves a variety of complicated legal processes, such as filing for coverage and appealing a coverage rejection. This warrants the rise of legal representatives who specialize in SSDI.

But why is the process so complicated? This is to prevent abuse of the system. SSDI is a financial support program. Of course, many people will find it appealing to apply. Here are just some of the advantages of having a Social Security Disability Insurance:

  • You can have money for your day-to-day expenses and treatment costs
  • The financial security will prevent emotional and psychological problems that may arise due to financial burdens
  • The lack of emotional and psychological problems will prevent relationship issues that may arise due to depression, irritability, social withdrawal, and other behaviors

In a way, SSDI is there to pay you back for all the contributions and taxes you have paid. It is a legal and moral protection for the productive individuals in society who have become unfortunate enough to sustain a disability.

Learn More