Reclamaciones De Seguros De Automóviles De Liberty Mutual En Hickory, NC

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Reclamaciones De Seguros De Automóviles De Liberty Mutual En Hickory, NC

¿QUÉ HAY EN ESTA PÁGINA?

Uno de los aspectos más estresantes de un accidente automovilístico, además del accidente en sí, es el trato posterior con la compañía de seguros. El proceso puede resultar confuso, frustrante y llevar mucho tiempo. Por lo tanto, no es de extrañar que muchas personas se sientan tentadas a tomar el asunto en sus propias manos y manejar el proceso ellos mismos para terminarlo lo antes posible. 

Pero si bien puede parecer una buena idea, representarse a sí mismo en un reclamo de seguro puede tener consecuencias graves, especialmente con grandes compañías de seguros como Liberty Mutual. Si decide representarse a sí mismo y comete errores en el camino, podría terminar perdiendo algo más que dinero: podría perder por completo su derecho a demandar.

Si resultó lesionado en un accidente automovilístico en Hickory, Carolina del Norte, es importante obtener asesoramiento legal de inmediato. Es posible que tenga derecho a una compensación por sus lesiones, salarios perdidos y otros daños resultantes de un accidente automovilístico que fue culpa de otra persona. Póngase en contacto con las Oficinas Legales de Jason E. Taylor hoy para una consulta gratuita. 

¿Cuándo debo comunicarme con un abogado para mi reclamo de Hickory?

Si está sufriendo lesiones graves por un accidente automovilístico en Hickory, es posible que no esté seguro de si debe intentar llegar a un acuerdo con Liberty Mutual lo antes posible o hablar primero con un abogado. Esto puede ser especialmente cierto cuando ve que las facturas médicas se acumulan. Sin embargo, la mayoría de las personas generalmente se benefician si buscan asesoramiento legal antes de resolver un reclamo. Hay muchas razones por las que le conviene contratar a un abogado desde el principio, entre ellas:

  • Pericia. Un abogado que maneja regularmente reclamos por accidentes automovilísticos puede revisar su caso y determinar el mejor curso de acción para usted. Pueden ayudarle a decidir si vale la pena presentar una demanda, cuánto dinero pedir a las compañías de seguros y qué tipo de pruebas necesitará para ganar su caso.
  • Ahorro de tiempo. Contratar a un abogado significa que él se encargará de todos los aspectos de su reclamo para que usted no tenga que perder tiempo investigando la ley o negociando usted mismo con las compañías de seguros.
  • Protección. Contratar a un abogado significa que él protegerá sus derechos y se asegurará de que obtenga la compensación que se merece. También pueden ayudarle a evitar errores en su caso, que podrían costarle dinero a largo plazo.

Leyes de negligencia y reclamos de Liberty Mutual en Hickory, Carolina del Norte

Las leyes de negligencia de Carolina del Norte afectan las reclamaciones de seguros resueltas fuera de los tribunales y aquellas resueltas en los tribunales. Para recuperar una compensación en Carolina del Norte, debe demostrar que el otro conductor fue negligente y que sus lesiones fueron el resultado directo de su negligencia. Por ejemplo, si otro conductor se pasó un semáforo en rojo y lo atropelló, ese conductor fue negligente. Para probar su reclamo ante el tribunal, debe demostrar que esta negligencia causó sus lesiones y daños a su vehículo y que no hizo nada para contribuir a la colisión.

Si hay alguna evidencia de que usted contribuyó al accidente, el ajustador de seguros de Liberty Mutual puede argumentar que usted no tiene derecho a recibir daños debido a una ley anticuada llamada negligencia contributiva. Carolina del Norte es sólo uno de los pocos estados del país que todavía tienen negligencia contributiva. Dado que la ley de negligencia contributiva de Carolina del Norte prohíbe a los reclamantes recuperar daños incluso si tienen solo el uno por ciento de la culpa del accidente, este es el aspecto más importante de su caso y una de las razones por las que es importante no dar una declaración grabada al seguro. compañía antes de hablar con un abogado.

En las Oficinas Legales de Jason E. Taylor, podemos revisar cualquier posible problema de responsabilidad por un accidente y determinar qué compensación se puede reclamar. 

¿Cuánto tiempo lleva resolver un reclamo de Liberty Mutual?

Cuando se trata con Liberty Mutual después de un accidente en Hickory, la duración de un reclamo puede cambiar según las circunstancias del caso. Lamentablemente, no existe una respuesta única que sirva para todos. Si la compañía de seguros coopera y las lesiones sanan rápidamente, es posible que se resuelva en un período de tiempo razonablemente corto.

Sin embargo, si disputan su reclamo, ya sea por cuestiones de culpa o por las lesiones que reclama, y debe acudir a los tribunales, podría pasar mucho más tiempo antes de que se resuelva el caso. La mejor manera de garantizar que su reclamo se maneje de manera rápida y eficiente es trabajar con un abogado con experiencia que sepa cómo manejar estos casos.

Comuníquese con un abogado de accidentes automovilísticos de Hickory en Las Oficinas Legales de Jason E. Taylor

Hickory es una ciudad próspera con muchas personas que dependen de sus vehículos para desplazarse. Si sufre un accidente automovilístico y resulta gravemente herido, es importante que comprenda el proceso de presentación de un reclamo ante la compañía de seguros y cómo abordar los aspectos legales de un accidente.

Comuníquese con las Oficinas Legales de Jason E. Taylor hoy para programar una cita y ver si nuestros abogados experimentados pueden ayudarlo a recuperar una compensación justa por sus lesiones.

120 3rd St NE
Hickory, NC 28601

Teléfono: (828) 327-9004
Número gratuito: (800) 351-3008

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120 3rd St NE
Hickory, NC 28601

Teléfono (828) 327-9004
Número gratuito: (800) 351-3008

301 S McDowell St #1016
Charlotte, NC 28204

Teléfono: (704) 676-1093
Número gratuito: (800) 351-3008

130 Church St NE
Concord, NC 28025

Teléfono: (704) 787-9419
Número gratuito: (800) 351-3008

1348 Ebenezer Rd Suite 103
Rock Hill, SC 29732

Teléfono: (803) 980-5300
Número gratuito: (800) 351-3008

The Law Offices of
Jason E. Taylor, P.C.
Hickory Injury Lawyers & Attorneys at Law

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Notice of Data Security Event
Updated March 28, 2025

The Law Offices of Jason E. Taylor is providing notice of an event that may affect certain individuals’ information. Although we have no indication of identity theft or fraud in relation to this event, we are providing information about the event, our response, and additional measures individuals can take to help protect their information, should they feel it appropriate to do so.

What Happened? On October 28, 2024, The Law Offices of Jason E. Taylor identified suspicious activity related to our email system. We quickly took steps to investigate and determined that an unknown actor may have accessed certain emails within our email system between August 7 and November 7, 2024. We then conducted a comprehensive review of the potentially affected emails and attachments to determine what information was contained therein and to whom the information related, which was completed on February 25, 2025. Unfortunately, we were unable to verify the addresses of certain affected individuals, so we are providing this notice to ensure potentially affected individuals receive information about the event.

What Information Was Involved? The information affected may include individuals’ Social Security number, driver’s license and state ID information, financial account number, and health information.

What We Are Doing. We are notifying individuals about this matter and providing guidance about free resources that are available to assist with monitoring relevant accounts, credit reports, and how to place a fraud alert or security freeze on one’s credit file. Further, as with our typical security practices, we will continue to evaluate our policies, procedures, staff training, and technical security measures to reduce the likelihood of an event like this reoccurring.

What Individuals Can Do. We encourage you to remain vigilant against incidents of identity theft and fraud by reviewing your account statements and monitoring your free credit reports for suspicious activity and to detect errors. We also recommend you review the below “Steps Individuals Can Take To Help Protect Personal Information”.

For More Information. If individuals have questions about this matter, we have a dedicated assistance line with agents ready to answer their questions. Please contact our toll-free dedicated assistance line at 1-800-939-4170, Monday through Friday from 9 a.m. through 9 p.m., excluding holidays. You may also write to us at The Law Offices of Jason E. Taylor, Attn: Compliance, P.O. Box 2688, Hickory, NC 28603.

Sincerely,

The Law Offices of Jason E. Taylor

STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT PERSONAL INFORMATION

Monitor Your Accounts

Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus, Equifax, Experian, and TransUnion. To order a free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. Consumers may also directly contact the three major credit reporting bureaus listed below to request a free copy of their credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If consumers are the victim of identity theft, they are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should consumers wish to place a fraud alert, please contact any of the three major credit reporting bureaus listed below.

As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express authorization. The credit freeze is designed to prevent credit, loans, and services from being approved in a consumer’s name without consent. However, consumers should be aware that using a credit freeze to take control over who gets access to the personal and financial information in their credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application they make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, consumers cannot be charged to place or lift a credit freeze on their credit report. To request a credit freeze, individuals may need to provide some or all of the following information:

1. Full name (including middle initial as well as Jr., Sr., II, III, etc.);
2. Social Security number;
3. Date of birth;
4. Addresses for the prior two to five years;
5. Proof of current address, such as a current utility bill or telephone bill;
6. A legible photocopy of a government-issued identification card (state driver’s license or ID card, etc.); and
7. A copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft if they are a victim of identity theft.

Should consumers wish to place a credit freeze or fraud alert, please contact the three major credit reporting bureaus listed below:

Equifax Experian TransUnion
https://www.equifax.com/personal/credit-report-services/ https://www.experian.com/help/

https://www.transunion.com/credit-help
1-888-298-0045 1-888-397-3742 1-800-916-8800
Equifax Fraud Alert, P.O. Box 105069 Atlanta, GA 30348-5069 Experian Fraud Alert, P.O. Box 9554, Allen, TX 75013 TransUnion Fraud Alert, P.O. Box 2000, Chester, PA 19016
Equifax Credit Freeze, P.O. Box 105788 Atlanta, GA 30348-5788 Experian Credit Freeze, P.O. Box 9554, Allen, TX 75013 TransUnion Credit Freeze, P.O. Box 160, Woodlyn, PA 19094

Additional Information

Consumers may further educate themselves regarding identity theft, fraud alerts, credit freezes, and the steps they can take to protect their personal information by contacting the consumer reporting bureaus, the Federal Trade Commission, or their state attorney general. The Federal Trade Commission may be reached at: 600 Pennsylvania Ave NW, Washington, DC 20580; www.identitytheft.gov; 1-877-ID-THEFT (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. Consumers can obtain further information on how to file such a complaint by way of the contact information listed above. Consumers have the right to file a police report if they ever experience identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, consumers will likely need to provide some proof that they have been a victim. Instances of known or suspected identity theft should also be reported to law enforcement and the relevant state attorney general. This notice has not been delayed by law enforcement.

For District of Columbia residents, the District of Columbia Attorney General may be contacted at: 400 6th Street, NW, Washington, DC 20001; 1-202-442-9828; and oag.dc.gov.

For Maryland residents, the Maryland Attorney General may be contacted at: 200 St. Paul Place, 16th Floor, Baltimore, MD 21202; 1-410-576-6300 or 1-888-743-0023; and https://www.marylandattorneygeneral.gov/.

For New Mexico residents, consumers have rights pursuant to the Fair Credit Reporting Act, such as the right to be told if information in their credit file has been used against them, the right to know what is in their credit file, the right to ask for their credit score, and the right to dispute incomplete or inaccurate information. Further, pursuant to the Fair Credit Reporting Act, the consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to consumers’ files is limited; consumers must give consent for credit reports to be provided to employers; consumers may limit “prescreened” offers of credit and insurance based on information in their credit report; and consumers may seek damages from violators. Consumers may have additional rights under the Fair Credit Reporting Act not summarized here. Identity theft victims and active-duty military personnel have specific additional rights pursuant to the Fair Credit Reporting Act. We encourage consumers to review their rights pursuant to the Fair Credit Reporting Act by visiting www.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave NW, Washington, DC 20580.

For New York residents, the New York Attorney General may be contacted at: Office of the Attorney General, The Capitol, Albany, NY 12224-0341; 1-800-771-7755; or https://ag.ny.gov.

For North Carolina residents, the North Carolina Attorney General may be contacted at: 9001 Mail Service Center, Raleigh, NC 27699-9001; 1-877-566-7226 or 1-919-716-6000; and www.ncdoj.gov.

For Rhode Island residents, the Rhode Island Attorney General may be reached at: 150 South Main Street, Providence, RI 02903; 1-401-274-4400; and www.riag.ri.gov. Under Rhode Island law, individuals have the right to obtain any police report filed in regard to this event.
STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT A MINOR DEPENDENT’S PERSONAL INFORMATION

Typically, credit reporting agencies do not have a credit report in a minor’s name. To find out if a minor has a credit report or to request a manual search for a minor’s Social Security number each credit bureau has its own process. To learn more about these processes or request these services, consumers may contact the credit bureaus by phone, writing, or online:
Equifax Experian TransUnion
https://www.equifax.com/personal/help/article-list/-/h/a/request-child-credit-report/
https://www.experian.com/help/minor-request.html
https://www.transunion.com/fraud-victim-resources/child-identity-theft

1-800-685-1111 1-888-397-3742 1-800-916-8800
P.O. Box 105788
Atlanta, GA 30348-5788 P.O. Box 9554
Allen, TX 75013 P.O. Box 2000
Chester, PA 19016

To request information about the existence of a credit file in a minor’s name, search for a minor’s Social Security number, place a security freeze or fraud alert on a minor’s credit report (if one exists), or request a copy of a minor’s credit report consumers may be required to provide the following information:
● A copy of their driver’s license or another government issued identification card, such as a state identification card, etc.;
● Proof of address, such as a copy of a bank statement, utility bill, insurance statement, etc.;
● A copy of the minor’s birth certificate;
● A copy of the minor’s Social Security card;
● The minor’s full name, including middle initial and generation, such as JR, SR, II, III, etc.;
● The minor’s date of birth; and
● The minor’s previous addresses for the past two years.

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