CONDITION ONE: NOTICES OF CLAIM

Upon the occurrence of any accident, loss or damage, the insured or the beneficiary shall give notice to the INSURANCE COMPANY AND / OR INASEG LTDA within three (3) working days counted from the date on which the accident occurred.
The insured or beneficiary shall give notice to the INSURANCE COMPANY AND / OR INASEG LTDA all claims, proceedings or diligence, letter, claim, notice, or summons received, within three (3) business days following the date on that has news related to any event which might give rise to a claim under this policy.

SECOND STATUS: OBLIGATIONS OF THE INSURED IN CASE OF LOSS AND PAYMENT OF COMPENSATION

INSURANCE COMPANY to pay compensation is required, within one month following the date on which the insured or beneficiary stating the occurrence of the incident and the amount of loss, the evidence permitted by law, provided that the chosen shall be able to demonstrate clearly the facts that are being claimed.
INSURANCE COMPANY AND / OR INASEG LTDA considered perfected the claim in total losses for theft or damage when there has been proper transfer of ownership on their behalf and to revoke the registration, if applicable (Loss Theft total), and the vehicle is at peace and safe in taxes or charges that are payable to the vehicle
The payment of any compensation will be agreed subject to the deductible and the other terms, limits, exceptions and conditions of such insurance.

CONDITION THREE: UNDER RULES OF CIVIL TORT RESPA

Payment of compensation will be for the victim, which is a beneficiary, if the damage is caused by the insured and is civilly liable under the law.
Except with prior approval of the company, the insured shall not be entitled to:
• Recognize your own risk.
· Make payments, make arrangements, transactions or reconciliation with the injured

Be compensated to the actual amount of loss suffered and proved not to exceed the insured value.

SECOND STATUS: OBLIGATIONS OF THE INSURED IN CASE OF LOSS AND PAYMENT OF COMPENSATION

Any compensation shall be subject to the deductible listed on the face of the policy to the sum insured and / or commercial value.
Spare parts and accessories will be replaced or will be paid at the discretion of the company also reserves the right to make repairs to the vehicle or any of its parts and to choose freely the workshop.
If the pieces, parts or accessories required for the repair not be found in trade, shall be paid the insured value of the same as last quoted local representative authorized by the factory.
In the event of total loss, unless the lienholder (if any) authorizing the payment of compensation to the insured, shall be in favor of the creditor who should appear on the policy as beneficiary, and the excess, if any, paid to the insured.

CONDITION FIVE: RESCUE

When the insured is compensated, the vehicle or its parts salvaged shall remain the property of the company. The insured will participate proportionately in the net salvage sale, taking into account the deductible and underinsurance, if any place in the latter.

Net saving is defined as the value resulting from discounting the value of sale of the same expenses incurred by the Company, such as those for the marketing of such recovery and rescue.

SIXTH CONDITION: COEXISTENCE OF INSURANCE

If at the time of loss existence of other insurance policies covering the same vehicle the company will bear proportionately the respective amount in the insurance cover, unless maliciously omitted information about the coexistence of such insurance.

PROCEDURES IN CASE OF LOSS

DO NOT assume any responsibility, or perform transactions without the order of the Insurance Company.
If personal injury seek immediate medical attention.
Get complete information about the other vehicle and driver.
Order the intervention of the authorities.
Give notice in Bogotá PBX LTDA 623 24 55 INASEG respective numbers, or the Customer the Company to which you have obtained your insurance policy, and out of Bogota in the nearest branch within 3 days after accident .
Do not give orders for repair of the vehicle without the consent of the Company.
In case of theft this complaint before the competent authorities as soon as possible.

NESCESARIOS DOCUMENTS TO FILE COMPLAINT

Legible photocopy of the current Mandatory Insurance.
Legible photocopy card or purchase contract property.
Legible photocopy of the pass and identification card of the person driving the vehicle.
Legible photocopy of identity card of the insured.
Legible photocopy of a sketch of the traffic (if any).
Legible photocopy of the notice of settlement (if available).
Legible photocopy of the policy.
In case the insured is unable to make the claim must submit an order authorizing the person to perform the procedures relevant to the insurance company.
Submit a transfer form if the protection is affected DAMAGES FOR LOSS TOTAL (transfer to the company.)
Submit two forms of transfer in case the defense is concerned TOTAL LOSS BY THEFT (transfer and cancellation of registration).

1. Do not assume any responsibility, or perform transactions without the express order of the State Insurance SA
February. If injury gets immediate medical attention.
3. Get complete information about the other vehicle and driver.
4. Request the assistance of the competent authorities.
5. Immediately contact the call center and ask advice or any of our subsidiaries in the country within 24 hours after the time of the accident, to the cities of Bogota, Medellin, Cali, Bucaramanga are ready to send mobile units to the accident site .
6. Otherwise, submit the claim directly in any of our vehicles Claims Center or the State Security Bureau.
7. Order No repair the vehicle without consent of Compensation.
8. In case of theft this complaint before the competent authorities.

Consider the following documents when making your claim:

TOTAL OR PARTIAL LOSS OF VEHICLE DAMAGE
1. Legible photocopy of the ownership card.
February. Legible photocopy of the pass and proof of citizenship of the person driving the vehicle.
3. Legible photocopy of the certificate of insurance.
4. Legible photocopy of a sketch of traffic. (If any).
5. For total loss, damages, form of conveyance.
6. Authorized signature power by which a third party authorization to file the claim and be empowered to negotiate with the Company. (If the insured can not be present).
7. Submit the vehicle for inspection of damage

PARTIAL LOSS BY THEFT OF VEHICLE
1. Legible photocopy of the ownership card.
February. Legible photocopy of identity card of the policyholder.
3. Carbon copy of the notifications.
4. Power with signature authority by which authorization to a third party to file the claim and be empowered to negotiate with the company. (If the insured can not be present).
5. Submit the vehicle for inspection of damage

TOTAL LOSS BY VEHICLE THEFT
1. Legible photocopy of the ownership card.
February. Legible photocopy of identity card of the insured.
3. Photocopy, readable identity card and pass the driver of the vehicle.
4. Carbon copy of the notifications.
5. Form for transfer and cancellation of registration.
6. Power with signature authority by which a third party authorization to file the claim and be empowered to negotiate with the company. (If the insured can not be present).

UNDER COVER OF LIABILITY FOR TORT DAMAGES TO THIRD PARTY ASSETS
1. Formal letter of complaint.
February. Letter certifying that insurance has not submitted, or submit claims and / or certified statement stating where that is not insured and that elle has not submitted reclamaci6na sitting or submit another entity.
3. Sketch and report traffic. .
4. Card ownership of the vehicle concerned and / or Transfer or sale contract that identifies you as a vehicle owner.
5. Photocopy of owner’s identification card.
6. A photocopy of the driver pass. .
7. Original invoice if the vehicle was repaired.
8. Present vehicle for inspection.

INJURY TO ONE OR MORE PERSONS
1. Complaint letter stating the value and justification of the claims.
February. Certificate for payment by the SOAT.
3. Latest opinion of legal medicine.
4. Original invoices for medical expenses.
5. Certification of state criminal proceedings.
6. Decree of the patient.
7. If you are under age, the representative card and copy of birth certificate.
8. Proof of income from third party (s) concerned (s).

DEATH TO PERSONS OR MORE
1. Letter of complaint made to the heirs, setting amount and justification of the claims.
February. Certification by the SOAT payment.
3. Birth certificate and / or marriage.
4. Original bills for hospital and funeral expenses if any.
5. State certification process for manslaughter.
6. Decree of the claimant.

LEGAL AID
1. Contract service.
February. Authorization for direct claim against the company or evidence of payment of attorney.
3. Proof of legal entity in which specified procedural steps acted as counsel.

If we are dealing with personal injury (also called lesions) is essential to gather as much information from the injured (age, type of injury, medical reports, contact details, etc.). As quickly as possible. After opening the accident report, as will being discharged to the injured has to find and where appropriate the relationship between the insured and the driver, what vehicle occupied square in the injured or whether it is a pedestrian, rider etc., calling the institution of injuries according to information made available at that time (the classification of the lesion is essential for carrying out the provisions for payment are required by law, insurance companies), although these reserves be updated as information evolves available.

As a general rule data will be requested to the court, companies and drivers contrary, it aims to try to discern the possible guilt or not the insured. In the event that the insured’s liability is established, it shall request the legal responsibility of the case report to the appropriate court hear the accident from the official report, witness statements, forensic reports.

Drafting of an accident

The drafting of an accident or completed determines the responsibility of the incident and is binding on the Underwriters as to the damage, in addition, provides:

1 .- The data recorded at the time of the accident.

2 .- The work of an employee who receives the part of a claim in the office.

3 .- The work of the handlers.

4 .- It streamlines the handling process: implementation of agreements.

You must use the accepted model for the European Insurance Committee (CEA).

Be used in all motor vehicle accidents, especially involving at least two vehicles.

Traffic accidents or traffic occur, usually without too much room for the reaction of drivers or persons concerned.

But in the analysis of the circumstances it is possible to distinguish a series of stages from the time it occurs the potential situation of danger until the moment of conflict or collision. In the range of these moments can be placed a series of perceptions and reactions of people involved, such as perception of danger, the corresponding reaction, any evasive maneuvers, etc. that may be appropriate to avoid a collision or wrong. In between these moments also follows a specific time and travels a given space also essential elements to prevent or not the accident or to its consequences are more or less severe.

Phase perception

This phase begins at the point of possible perception and ends at the point of conflict. This phase is broader because it encompasses the other two stages, because they do not necessarily start when the driver or pedestrian involved perceived danger, but at the time that objectively could have received.

Decision Phase

When the driver or pedestrian achieve real perception begins at decision stage which reacts to external stimulus. It is the time it takes the driver to understand the situation, make a decision and take action it deems appropriate.

Conflict phase

It is the stage at which the accident to be the last period of its evolution. In this phase can distinguish the following elements:

1 .- Position of conflict. It is the space in which it develops the possibility of the accident. It is very variable because it depends on the normal direction of the vehicle and the components involved in the accident, and the evasive action by them. The area of conflict may or may not coincide with the maneuver area, although generally it is always smaller.

2 .- Key Point. It is the point at which the accident is inevitable. You can match the real point of perception, in which case there is no possibility of any avoiding action or it will be very short.

3 .- Point conflict. Is that where the accident is consumed, corresponding to the position of maximum impact. It includes several points or moments: the initial accident when they come into contact with each other intervening elements, development of the event until it leads to maximum effect and, finally, referral to the final position of those elements.

4 .- Final position. This is the position remaining vehicles, people and objects when they reach the stillness after the event.

Judicial complaint: The maximum value of Auto:

Art. 13 of Royal Decree Law 8 / 2004 of 29 October, which approves the revised text of the law on civil liability and safe movement of motor vehicles, provides that when criminal proceedings initiated by the production an event covered by the compulsory civil liability insurance, declaring the absence of the accused or acquitted falls or other decision that will terminate, temporarily or permanently, without a declaration of responsibility, if the injured party has not waived the action civil or exercise it has reserved for separately, before agreeing to the file, the judge shall issue an order in which fixed maximum liquid quantity that can be claimed as compensation. The order will contain the description of the incident, identification of persons and vehicles involved and insurers of the same.

Requirements for issuing the Order of the maximum amount:

In the aforementioned art. 13 of Royal Decree, it shall be listed the cases envisaged by law for its issuance and shall signify that it is prerequisite to be issued, the fact that the complaining party has not reserved the exercise of civil or which had not been waived, plus there is a causal relationship to the fact of the movement.

In addition, the court must agree in legal imperative in any case where the verdict is handed down an acquittal or had ordered the file of proceedings.

The weight of the Claimant in a personal injury case for Defective Products

The plaintiff for damages is still a great challenge as the product liability law has evolved over the years. There was a time when “caveat emptor” (let the buyer be warned) was usual for manufacturers. Today imposes “strict liability” in appropriate cases. Under this rule, manufacturers are liable for injuries caused by a defective or unreasonably dangerous products even as there is negligence.

In a product liability action, the injured person or claimant must prove, for example, that there was a defect in design or manufacturing the product and the manufacturer failed to adequately warn consumers of potential hazards of the product. In addition, a person must establish with credible and relevant evidence that the product caused the damage and that he or she was using the product as such should be used, and even that the manufacturer should have anticipated that the product could be used wrongly if so.

Manufacturing defects are usually easier to prove than design defects. If a gas fireplace explodes when first turned on, it is clear that this fire was no attempt made as the designer. The design flaw on the other hand, can occur if many or all fireplaces of a particular model are at risk of explosion. Proving a design defect involves judging technical issues which generally require expert testimony. In a design defect case, the product may have been manufactured as it should, but the design was inadequately planned so that there was unreasonable hazards to consumers.

Show cause in a product liability case can be difficult. The accusers must establish that the product was defective when it left the hands of the defendant manufacturer, distributor, or seller and that the defect was what caused the accident that injured the plaintiff. If the wounds could have been produced by several potential causes, the plaintiff must establish that the defective product had a substantial role in producing the harm.

Basis for Charging in a Case of Defective or Dangerous Products

The possible theories that can be argued in a case of damage products are:

* Negligence – lack of reasonable care in the manufacture or sale and the warnings given about the product.
* Breaking the warranty – not respect the terms of the promise concerning the quality and efficiency of the product.
Misrepresentation * – To give consumers a false sense of assurance about the product.
* Strict liability “under which the product defect and not necessarily the fault of the accused, makes the product unreasonably dangerous and therefore defendant is responsible.

Although there is no limit on the list of products that could be grounds for a product liability trial, the most common categories include clothing, asbestos, chemicals, cosmetics, firearms, food (fast food lately, which have been included as a cause of the obesity epidemic in the U.S.), machinery and tools, products and medical devices, motor vehicles, pharmaceuticals, recreational, and snuff.

Conclusion

People injured by defective or dangerous products need the advice of experienced people in the law of product liability and personal injury for advice on the complexities of their case and to guide them through the legal system aiming at a favorable outcome . If you or someone you know has suffered personal injuries resulting from the use of a dangerous or defective product, an experienced personal injury lawyer can advise you to determine if you have a claim against the manufacturer or retailer of a product and can help recover your damages according to the law in effect.

Although some cases of liability laws on property, such as slips and falls, may seem complicated, your case is vital to speak to a personal injury lawyer that has experience in the law of responsibility for property .

In addition to slip and fall claims, the lawsuit must be filed for injuries that are the result of furniture that is used on the property. Lesions also can be caused by actions of another person in the house may be the responsibility of the owner, especially if the owner does not provide adequate security in it.

For all these reasons, it is vital to contact a personal injury attorney who knows the law in full liability on the property.

Property Ownership
Within the context of liability law on property, a person “owns” a place or property when:

* The person is occupying the property with intent to control it.
* The person has been occupying the property with intent to seize it, if another person has not subsequently been occupying with intent to control it.
* The person has the right to immediately occupy the property if another person is in possession as defined above.

You Can Demand
With responsibility for the property, there are different categories of people who can not sue or through a personal injury lawyer. As always, talk with local counsel to determine whether you have a case and that category is.

There are three main categories of people with properties, two of which can sue and can not. A guest or a licensee may claim, as an attacker in most cases is breaking the law and therefore can not sue if injured.

What is a guest?
A guest is someone who enters the property for business reasons as a guest to buy or rent something. The person who is the guest may not have or have had to ask directly for the owner to enter the property which would make the business but was still invited to tour the surrounding area.

For example, a person who walks into a bar or nightclub will not ask to see the owner but it is still a guest because they have developed promotions or advertising for business. That’s why, if something happens to one person in the bar or nightclub due to negligence, the owner may be liable because they need to protect all its guests.

For example, an injury could have been avoided if he had not spilled drink on the floor or if the club had hired extra security. Whatever happens in a club can be negligence by the owner. These are examples to speak to a personal injury attorney would be important to ascertain the facts and see if you have a case with his injury.

What is a licensee?
Another party may sue under the law of responsibility for the property is a licensee, such as a friend to get home a few drinks or just hang out. A licensee has nothing to do with the business as a guest. If a social guest known as the licensee found that the landlord knew about what caused their injuries, the owner may be responsible. As someone who has guests on his property and must be corrected or broken parts common things that could cause injury to any guest. In the smallest circumstance, should at least warn of the danger to the host.

For example, if a friend takes care of her son for you and your child is injured by any negligence in the house of his friend, he could be liable for damages. If your child was injured due to a stake sticking out on the floor and was not visible, the owner of the house could also be responsible.
In all cases, it is best to contact a personal injury lawyer and ask if you have a case of liability on the property.

What is an intruder?
We’ve all heard stories from intruders, whether people breaking into homes or just lazing on someone’s property where they should not be. These hackers usually do not have the right to sue for negligence, because the owner does not know they are there.

Potential Recoveries
Personal injury lawyers have been known to recover large damage settlements in cases of liability law on the property due to the nature of the injury.
In April 2000, Darla L.V. Southland LLC, a personal injury lawyer won a $ 2.25 million verdict in a liability action on the property resulted in a sexual assault a tenant of a residential apartment complex.
This was one of the largest verdicts of its kind in California.
Moreover, in Doe v. Roe Mall in 2000, the personal injury attorneys representing a 37-year-old slipped and fell into a mall. The man left with a severely broken leg, had two surgeries, and a loss in wage dispute. The case was settled before trial for $ 290,000.

Finally a sum of $ 115,000 in cash to the overall settlement of slip and fall from Office Depot agreed to settle a lawsuit involving an injury to lumbar disc suffered by the plaintiff, who fell into several feet of rain water located within one of its stores in Georgia.

After any incident involving the law of liability on the property, it is vital to contact a personal injury lawyer to file a lawsuit, which can be a big deal.

If you are a victim in the field of liability law on property, contact a personal injury lawyer as soon as possible because time is an important factor.

1) The judges are not required to tolerate frivolous lawsuits raised by anyone. Instead, a judge may dismiss a case, and punishment of the attorney injury.

2) The number of requests for NY Personal injury cases are not pulling up. In contrast, the total number of liability claims fell 30% in the last ten years. In summary, NY personal injury attorneys help protect the rights of people injured.

The personal injury law covers all damages that happen to an individual. These injuries can occur in many ways: traffic accidents, accidents in the workplace, trips, falls, occupational diseases, occupational diseases and so on. And these injuries can also be internal, external, physical or mental.

The personal injury law will be compensation for losses suffered by the victim. If you are a victim of personal injury then you can file a personal injury law against the authority of personal injury law negligencia.La turn provides financial compensation to help victims of injuries and help them recover from their losses. It provides compensation for personal delesiones various types, such as pain of conscience, suffering and trauma. Any vehicle or property damage are also covered as well.

Make sure you are familiar with the various issues involved in filing a personal porlesiones demand. In order to claim compensation for personal injury, then it is necessary to prove negligence, although there are certain circumstances. Normally the negligence occurs when there is a duty of care, lack of care for the safety of another person. Basically, the compensation is divided into two parts. One of them is of special damages, representing the compensation of the elements that can be calculated accurately and includes all losses of wages and expenses of the claim. Another is the general damage that represents compensation for items that can not be accurately calculated.

This law operates under the mechanism of personal injury law claims through which victims can claim compensation for their losses in court. These claims is to be done within a specified period. There is a limit of time within that period you must submit your personal porlesiones demand. And this time limit is commonly known as SOL (statue of limitations). Each state has its own statue of limitations. Always make sure that the claim presented is within the statue of limitations of the state. If your expired SOL then you can not able to file a claim. Some people seek the help of lawyers. The personal delesiones Lawyer can be found in many ways. One can get over the Internet, browsing the yellow pages or ask some friends and so on.

* Absolute Auction: The seller agrees to accept the highest bid.
* The auction is qualified: it is not necessary that the seller agrees to accept the offer of a bidder.
* The minimum bid auction: establishing a minimum price and potential buyers should be offered sums exceeding that amount. This is the most common type of auctions of foreclosed properties.

The price of a home run that is sold in auction is based on the unpaid balance of the mortgage (UPB, for its acronym in English) on the property, not the market value. When announcing the bid opening (also called “minimum price”), potential buyers can start bidding. Some auctions used verbal offer while others use the offer in a sealed envelope, where people submitted written offers to a “finisher” of the auction and the auction authority chairman announces the name of the winner bidder and the amount offered by the property.

Before participating in an auction, it is important to know whether it should provide evidence that can make the payment if its bid is the winner. If you win, you must pay at least the down payment on the spot, then make the completion of the sale and pay the balance due in full (usually within 30 days of the auction.) Some auctions require you to pay the full amount.

It can be very tempting to buy a property for such a low price, but there may be serious disadvantages to buying a home at auction, including the following cases:

* You can not see the property or make any professional inspection. You buy the property as it is and, therefore, has no idea of the conditions of the place or what type of repairs need to do or to what extent.
* You must do some research to see if the property has other liens and then negotiate or pay (for example, unpaid taxes).
* The lender / bank can not disseminate information on current or previous condition of the property.
* You may lose your deposit if you repent of purchase and close the deal or you can not raise the money to pay off the remaining balance owed.
* If he repents and decides not to purchase the property and the owner ended up being sold to another bidder at a lower price, you will be responsible for paying the difference.
* You must evict the current residents (if they have not evicted) on their own.

You may lose the property, but have won the auction, if your state allows the borrower in default minimum price and interest (called “right of redemption”).