How Insurance Companies Take Advantage of People Involved in Car Accident in California

If you were recently injured in a car accident in California, you have plenty of questions. Unfortunately, one of them may well have to do with whether or not you will be able to get a fair settlement from your insurance company. There are plenty of tricks that they use to get out of paying you your fair share.

How Your Insurance Company Can Cheat You

It only makes sense. Insurance companies are in business to take in money from premiums, not pay it out whenever asked to. To avoid doing so, they will pull all manner of shenanigans. For example, they may ask for excessively detailed info concerning the accident and then penalize you when you are unable to provide it.

They may also decide to raise the price of your monthly premiums, whether or not you were judged to be the party that was responsible for the accident. They may charge you a ridiculously high deductible that was never highlighted in the original deal that you signed with them.

They may also add insult to injury by valuing your vehicle at a lower rate than you originally got from them. They will claim that the vehicle has experienced a higher rate of depreciation that is the case.

All of this works up to the final blow that they wish to strike against you. They may try to give you a lowball settlement that doesn’t even begin to cover the cost of your medical bills, not to mention your lost wages. You don’t have to sit still and take it.

How Orange County Car Accident Attorneys Can Help You

If you want to make sure that you get the settlement you need to cover your injuries and lost wages, you need to hire a firm of Orange County car accident attorneys. Your attorney will represent you in court and work with you to get the fair settlement that you deserve.

Don’t let the opposing lawyer try to get you to contradict your testimony or trick you into incriminating yourself. Your best bet is to allow a leading firm of Orange County car accident attorneys handle your representation in court.

We know how to streamline the legal process to quickly get you the payoff you need to settle your costs. Get in touch with accident attorneys Guldjian & Fasel today to learn more about what we can do on your behalf.

History on Social Security Legislation

A Short History and Background of Social Security

On August 14, 1945, the Social Security Act was passed and formally codified as Legislative Bill Pub.L. 74–271, 49 Stat. 620. This legislation was signed into law by President Franklin D. Roosevelt.

As a result of the growth of urbanization and industrialization during the 19th century, many new social problems arose. These included:
. Greater demand for labor
. Rise in the need for housing in cities where tenements flourished
. Increase in urban population crowding
. The growth of unsafe workplaces

In addition, problems arose related to society’s most vulnerable such as the elderly and spouses and young children whose head of household perished as a result of illness or unsafe workplaces.

Originally, the Social Security Act was set up as retirement benefits to ensure workers did not fall into poverty when they were no longer able to work due to advanced age or illness.

Responsible Government Agency and Management of Social Security Benefits

Although over time there have been amendments to the Social Security Act, it remained law in the U.S. that basically was intended to be retirement insurance. The responsible U.S. government agency that manages Social Security benefits is formally known as the Social Security Administration.
Ref: https://www.ssa.gov/

With over 62,000 employees, the Social Security Administration has ten regional offices, 1300 field offices, 37 telecenters, and eight processing centers. Its main headquarters are located in Woodlawn, Maryland.
Ref: https://www.ssa.gov/locator

Who is Eligible to Receive Social Security Benefits?

According to the Social Security Administration, nearly 96 percent of American workers are eligible for Social Security benefits. In order to be eligible to collect these benefits, workers are required to have been employed for at least ten years for those born from 1929 or later.

Benefits are based on total earnings. Age 62 is the earliest possible age for Social Security eligibility. However, benefits received at age 62 will be lower than if retirement was postponed until age 70 when full retirement benefits are paid. Widows and widowers can begin to receive benefits at age 60, whereas the disabled may receive benefits at age 50.

Others who can receive benefits include:
• Disabled children, even if they are age 18 or older.
. Children up to age 18, or up to 19 if they are full-time students and have not graduated from high school

How to Apply for Social Security Benefits or Seek Additional Information

To apply for Social Security benefits or for more information, it can be done in person at a local field office (no appointment necessary), by phone at 1-800-772-1213 or online at https://www.ssa.gov/benefits/forms/.

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