A day on Lake Michigan. A quiet afternoon on the Milwaukee River. For many Wisconsin families boating is a favorite way to enjoy the sunshine. But in an instant a careless boater or unsafe equipment can turn your day on the water into a serious accident.
If you or someone you love has been injured in a boat accident near Milwaukee you probably have questions
You should not face these questions alone. At Natasha Misra Law we are Not Just Another Suit. We are your guide, your advocate and your partner in getting the fair compensation you deserve.
Boat accidents are not the same as car accidents. There may be multiple people or companies at fault including the boat operator, the boat owner, or a rental company. Federal and state boating laws add another layer of complexity. Insurance companies often push back or blame everyone but their own client.
This is where our team makes a difference. Natasha Misra Law knows how to investigate boating accidents, gather the right evidence, and build a strong case that stands up to big insurance companies.
If you have been hurt in a boating accident protect yourself by following these steps
Seek Medical Care Immediately: Your health comes first. Even if you feel fine, get checked by a doctor. Some injuries take time to show up and medical records help prove your claim.
Report the Accident: Call the US Coast Guard or local law enforcement to file an official report. This report can be vital when filing your injury claim.
Gather Evidence: If you are able, take photos of the scene of the boat damage, your injuries, and any safety issues you notice. Get the names and phone numbers of any witnesses.
Talk to a Milwaukee Boat Accident Lawyer: Before you speak to an insurance adjuster or sign any paperwork, talk to an attorney. We will explain your rights and handle the legal details so you can focus on getting better.
When you hire Natasha Misra Law you get more than legal paperwork. You get a team that will
Our goal is to help you get back on your feet physically, emotionally, and financially.
A peaceful boat ride can change in an instant. Medical bills pile up fast. Witnesses forget details. Insurance companies get to work protecting their bottom line not yours.
Do not wait to get the help you need. Every day you delay could cost you money and peace of mind.
Call Natasha Misra Law today for a free consultation with an experienced Milwaukee boat accident attorney. We will stand by you, explain your options, and fight to get you every dollar you deserve. Reach out now and let us help you get back on your feet.
According to the Insurance Information Institute, most vehicles depreciate twenty-percent within the first year. If your vehicle is totaled in an accident, auto insurance will likely cover the value of the vehicle at the time of the accident. But, what if the value is less than what you still owe on your auto loan?
Gap insurance covers what your standard auto policy does not. Rather than being left to make loan payments on a vehicle you cannot drive, gap insurance makes sure your auto loan is paid off.
So, what exactly is gap insurance, and do you need it? Here we explain how standard insurance policies handle totaled vehicles and how gap insurance works.
Yes, auto insurance will cover your totaled car, but coverage is based on the current value of the vehicle, not the remaining balance on your auto loan which includes interest. Generally, auto insurance providers total a vehicle if the cost of repairs exceeds the actual cash value of the vehicle. If you have an outstanding auto loan on the vehicle, the insurance reimbursement will go directly to your loan provider who is the lienholder of the vehicle.
Because cars depreciate over time, it is not uncommon for this to happen. Auto insurance will make a payment to the lender for the depreciated value of the vehicle. If this is less than the outstanding balance on the loan, you will be responsible for continuing payments out-of-pocket until the loan has been paid in full, unless you have gap insurance.
If your car is stolen or totaled in an accident and you owe more than the car’s value at the time of the loss, gap insurance covers the difference between the value of the car and the remaining balance on the auto loan. Gap insurance is intended to protect you from having to make payments on a car you can no longer use. Many dealerships offer gap insurance, but it is also available as an add-on through many insurance providers.
For example, gap insurance from Toyota Financial Services (TFS) will either waive or pay the deficiency balance, or the difference between what is owed on the vehicle and what the insurance company will pay if the vehicle is declared a total loss. So, if you owe $23,000 on your vehicle and receive $20,000 from the auto insurance company, you would be responsible for $3,000 out-of-pocket. However, gap coverage from TFS would cover this $3,000 balance.
Yes, a car accident attorney will make sure your gap insurance is appropriately applied to resolve any remaining balance on your auto loan. Save yourself the headache of the back-and-forth with your loan provider and insurance company and contact Milwaukee personal injury attorney Natasha Misra Law today.
My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.
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