Auto Insurance Claim Advice
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State Traffic Law

Before you take responsability for an accident read your state law

To determine if you violated any traffic law, you really should check your state motor vehicle code (or traffic code for some states).

Read carefully the specific definitions. Remember that the department of motor vehicles (DMV) guides and booklets are not considered valid when looking at vehicle accidents or determining fault. Instead, you must looks at the codified state law enacted by your state legislature (the law of your state).

Do not simply rely on what an adjuster tells you, read the code line by line and determine what the really law is. You will be surprised to find out that in many cases you did not violate any law!

Read your state code as it applies to you line by line and make sure it applies to your specific situation. General applications of the law will not suffice as evidence of a violation of the code.

To find your state’s chapter of state traffic law clink in the link below.

If you get a ticket, you need to be able to get it dismiss or it can make you "at fault"

See the table below for a link to every state traffic code

State Traffic Law 
State Legislature Traffic Statute
Alabama (AL) Title 32
Alaska (AK) Title 28
Arizona (AZ) Title 28 Chap 3
Arkansas (AR) Title 27
California (CA) Division 11
Colorado (CO) Title 42
Connecticut (CT) Chapter 248
Delaware (DE) Title 21
Florida (FL) Title XXIII
Georgia (GA) Title 40
Hawaii (HI) Chapter 24 
Idaho (ID) Tile 49
Illinois (IL) Chapter 625
Indiana (IN) Title 9
Iowa (IA) Title VIII
Kansas (KS) Chapter 8
Kentucky (KY) Title XVI 
Louisiana (LA) Title 32
Maine (ME) Title 29-A
Maryland (MD) Title 11
Massachusetts (MA) Chapter 90
Michigan(MI) Chapter 257
Minnesota (MN) Chapter 169
Mississippi (MS) Title 63 
Missouri (MO) Chapter 304
Montana (MT) Title 61
Nebraska (NE) Title 60
Nevada (NV) Chapter 484
New Hampshire (NH) Chapter 265
New Jersey (NJ) Title 39
New Mexico (NM) Chapter 66
New York (NY) Chapter 71
North Carolina (NC) Chapter 20
North Dakota (ND) Title 39
Ohio (OH) Title 45
Oklahoma (OK) Title 47
Oregon (OR) Title 59
Pennsylvania (PA) Title 75
Rhode Island (RI) Title 31
South Carolina (SC) Title 56
South Dakota (SD) Title 32
Tennessee (TN) Title 55
Texas (TX) Title 7
Utah (UT) Title 41
Vermont (VT) Title 23
Virginia (VA) Title 46.2
Washington (WA) Title 46
West Virginia (WV) Chapter 17A
Wisconsin (WI) Chapter 340
Wyoming (WY) Title 31

Determining fault for the accident
Driver DUTY
Rules of the Road of your State
Driver BREACH
CAUSATION
DAMAGES
State Accident Law



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Bodily Injury Claims

Making a bodily injury claim or personal injury claim can be frustrating. Insurance adjusters are very much at the defensive when a car accident yields soft tissue injuries and headaches.

You have certain rights and duties to ensure coverage for your medical bills, pain and suffering, and medication. Learn more at our Bodily Injury Claim Page.


Total Loss Process

The total loss process can be very complicated and it can certainly leave you making payments in a car that you not longer have.

Insurance companies have structured the process in such manner that you cannot (or it's very difficult to dispute) the Fair Market Value of you Car. Lear more about the total loss process.


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