Copywriter Jobs – Very Challenging and Exciting Jobs

Copywriter jobs that I discuss in this article is limited to copywriters for internet marketers, but that does not mean this job is only for internet marketing, it also applicable for off line business.

A good copywriter can deliver a sales page for certain product with such a compelling and high impact sentences that can result in more sales or in internet marketing is called good conversion rate.

The capabilities of copywriters are vary from one to another that is why copywriter’s fee range is very wide, actually you can hire a good copywriters, with fee starting from several hundreds up to more than twenty five thousands dollars.

There are a lot of copywriting courses and seminars, it’s a prove that this field of jobs is quite popular. Books about copywriting are also available at so many places, online and off line as well.

For Internet marketers, their sales page is actually their salesman, the better the sales page, the conversion rate will also get better. Conversion can be measure by sales percentage to total visit, or opt-in rate on a squeeze page. If you make a bad sales page, regardless of quality of your product, your chance for being successful is decrease significantly.

For beginner internet marketers, “copycat” strategy for creating a good sales page or squeeze page is very effective. This copycat strategy is a legal way of copying. It means that you look and collect for good and excellent sales pages or squeeze pages from the internet, copy their style with your own sentences and graphics, therefore you will not have plagiarism issue.

Further study on sales psychology and sentences with “hypnotic” ability will give huge advantage. There are a lot of articles on the internet (including inside Ezine articles) about copywriting techniques and also some common mistakes and pitfalls in creating sales letters. Those articles can become your source of reference.

The easiest and the fastest way is by using software. You can use legal software or tools for copywriting, that have already proven step by step ways to create professional sales and squeeze pages, starting from headlines, all the way to the closing statements and also the software enable additional features for users, such as inserting videos into their sales page in minutes. It also provide ready made excellent and compelling sentences. The reliable software must have SEO copywriting ability embed.

This tools can help you create professional sales pages for your product or for others, therefore it will make it much more easier for your copywriter jobs.

Freelance Copywriter Secrets: Can White Papers and Image Ads Get Along?

We freelance copywriters are often an analytical bunch. Always trying to tinker with ad copy to see if it can be made better. This includes our own copy as well as the work of others.

For example, David Garfinkel, in his September 4, 2006 blog post at http://world-copywriting-institute.typepad.com provides an excellent analysis in the article, An Expensive Ad that “Almost Gets It.”

Before we look at what David says about this ad, let me set the stage: I firmly believe that elements of direct response can be successfully incorporated with so-called “image ads” that are designed to establish a dignified brand.

For example, brokerage firms like Merrill Lynch and Morgan Stanley do this all the time. You frequently see their ads offering booklets on their market forecasts and white papers on their analysis of the economy. Despite the heavy restrictions placed upon financial services marketing, these ads manage to do three things simultaneously:

convey dignity and a brand image,
present a strong sales message, and
generate leads for their salespeople.

Direct Response vs. “Advertising Art”

Regular readers of my blog may recall my story of a copywriting job I didn’t get. The client was a high profile interior design firm in Florida that catered to a very affluent clientele.

The ad agency that interviewed me had created a beautiful two-page spread depicting a home most of us can only drool over. It truly was an example of advertising art.

The trouble was the copy. It relied only on a single sentence that frankly said nothing at all. This sentence was presumably intended to arouse so much curiosity that people would flock to the client’s store or tie up the entire South Florida telephone system trying to call in. (no website address was mentioned on the ad).

When asked for my input, I suggested that the client create an information piece such as a booklet full of decorating ideas. My thinking was that such a booklet would not only have high, perceived value to the reader. It could also, in the process of offering numerous how-tips, generate additional sales for the client’s design services as well as specific items of furniture and wall decorations.

I then suggested the beautiful ad could feature the booklet as a free offer to anyone who called or stopped in. (Of course, they would have to provide their names and contact information in order to receive the booklet, thereby creating a list of prospective customers for the client).

Alas, the creative types felt my ideas would detract from the beauty of the layout and would smell too much of “salesmanship.” I didn’t get the assignment, the ad ran exactly as I had seen it, and appeared only one time in a very high-profile magazine.

Trying To Sell The Law Firm

Fast forward to the article in David Garfinkel’s article. The ad shows a picture of Craig Newmark, the founder of the hugely successful craigslist.com. The ad’s headline, PEOPLE WHO MAKE GREAT COMPANY’S WORK, seems to offer insights into how people like Newmark create and grow successful companies.

Presumably, the ad seeks to attract clients to the law firm with an implied promise that the firm will help entrepreneurs become as successful as Craig Newmark.

Disappointingly, the ad offers zero benefits to the reader and breaks the headline’s implied promise. The ad concludes will the thundering dud of a sales message, “Perkins Cole: Legal counsel to great companies like craigslist.”

What if the firm had written a white paper on the legal needs of small, growing companies? What if the white paper fulfilled the promise of the ad’s headline by providing how-to information on how entrepreneurs can grow their companies with help from knowledgeable law firms? And what if this white paper was featured in the ad as available free to any reader who asked for it?

Why White Papers and Image Ads Go Together

White papers convey the dignity such a law firm is trying to project, but they are also valuable sales tools. They promise – and absolutely must deliver – valuable how-to information, or analysis helpful for readers’ decision making. They target certain types of readers who, because of their interest in this topic, identify themselves as potential clients.

Here are a few ideas that should help you create a marketing campaign based on both white papers and image ads:

Begin with a clear idea of what decision you want your reader to make. This applies to both the ad and to the white paper. With the ad, you obviously want qualified readers to contact you, provide their address and/or their email address and telephone number. With the white paper, you want them to make a decision to contact you for an appointment. Not having this clear idea will cause major problems later if your work fails to lead the reader to a decision.
Don’t forget to talk about benefits. Even with image advertising, benefits are essential. Yet image ads routinely shy away from talking about benefits. Too salesman like, I suppose.
Make a promise and fulfill it. The headline of your ad, the ad’s copy, the free offer, the title of the white paper and every single word inside the white paper, should make a promise to either solve a problem for the reader or to help the reader realize a desired change. And after all that is done, deliver on that promise.
Generate leads. I have written before on the value of 2-Step advertising, and why it delivers more sales than one-shot ads. Although my article, Freelance Copywriter Secrets: Why 2-Step Ads Make More Sales, is not specifically written about image advertising for professional service providers, you may still find it to be helpful on this subject. One of the primary reasons to use a direct response device is to generate a list of prospective clients, who “opt in” to receive your follow up emails and letters. With a list of such people, your marketing becomes a continual matter of re-contacting interested, qualified prospective clients.
Create a series of white papers. Become known as the law firm, design company or professional services organization that has the right stuff. Within a law firm, for example, many lawyers have different specialties, each worthy of a multitude of white papers. Stuck for ideas on what to write about? Just look at what problems clients want to have solved for them. Each problem can result in a new white paper.

Image ads and white papers make the perfect marketing marriage. The more valuable information you give away, the more new business and new profits come back to you.

How Swipe Files Killed the Copywriting Star

What is it with copywriters and swipe files these days?

Lately I’ve been seeing a LOT of ads that are not just swiping, but blatantly and shamelessly ripping off other ads — literally word-for-word. They obviously think they’re being smart and “cool.” But really, they’re morons.

Not just legally & ethically, but from a sales point of view, too.

In fact, I suspect they’re killing their own sales.

Let me explain why:

Back when I was a scrawny, pimple-popping teenage runt, I wanted nothing more than to be a comic book artist for Marvel Comics.

I mean, I was obsessed with it.

I spent HOURS each night studying comic book art. I’d copy comic book pages freehand over and over and over again. And my sketch books were packed cover to cover with nothing but super heroes and comic book drawings.

But you know what?

Even with all that comic “swiping” I never got good. In fact, I’d say my stuff flat out sucked.

Why?

Because I taught myself to draw the wrong way. Instead of learning the fundamentals of the craft through hard work and old fashioned thinking, I simply mimicked (i.e. “swiped”) other artists.

So I never got a solid education on the basics.

Never learned things like perspective, lighting or balance.

And never got past the comic book “fanboy wannabe” stage.

Instead it was, “I’ll just check my comics and copy something cool!” The result was one cheap imitation drawing after another. With no fire, imagination or “oomph!” in my work.

And you know what?

That’s how a LOT of copywriting is today: Too many copywriters are just lazy wannabes “tracing” other ads. And, sometimes, blatantly stealing from other ads.

By the way, I’m not anti-swiping.

I use my swipe file all the time for inspiration, ideas, and to see how certain copywriters handle storytelling, arrange their ideas, and structure their ads.

Copywriter Jobs – Very Challenging and Exciting Jobs

Copywriter jobs that I discuss in this article is limited to copywriters for internet marketers, but that does not mean this job is only for internet marketing, it also applicable for off line business.

A good copywriter can deliver a sales page for certain product with such a compelling and high impact sentences that can result in more sales or in internet marketing is called good conversion rate.

The capabilities of copywriters are vary from one to another that is why copywriter’s fee range is very wide, actually you can hire a good copywriters, with fee starting from several hundreds up to more than twenty five thousands dollars.

There are a lot of copywriting courses and seminars, it’s a prove that this field of jobs is quite popular. Books about copywriting are also available at so many places, online and off line as well.

For Internet marketers, their sales page is actually their salesman, the better the sales page, the conversion rate will also get better. Conversion can be measure by sales percentage to total visit, or opt-in rate on a squeeze page. If you make a bad sales page, regardless of quality of your product, your chance for being successful is decrease significantly.

For beginner internet marketers, “copycat” strategy for creating a good sales page or squeeze page is very effective. This copycat strategy is a legal way of copying. It means that you look and collect for good and excellent sales pages or squeeze pages from the internet, copy their style with your own sentences and graphics, therefore you will not have plagiarism issue.

Further study on sales psychology and sentences with “hypnotic” ability will give huge advantage. There are a lot of articles on the internet (including inside Ezine articles) about copywriting techniques and also some common mistakes and pitfalls in creating sales letters. Those articles can become your source of reference.

The easiest and the fastest way is by using software. You can use legal software or tools for copywriting, that have already proven step by step ways to create professional sales and squeeze pages, starting from headlines, all the way to the closing statements and also the software enable additional features for users, such as inserting videos into their sales page in minutes. It also provide ready made excellent and compelling sentences. The reliable software must have SEO copywriting ability embed.

This tools can help you create professional sales pages for your product or for others, therefore it will make it much more easier for your copywriter jobs.

Freelance Copywriter Secrets: Can White Papers and Image Ads Get Along?

We freelance copywriters are often an analytical bunch. Always trying to tinker with ad copy to see if it can be made better. This includes our own copy as well as the work of others.

For example, David Garfinkel, in his September 4, 2006 blog post at http://world-copywriting-institute.typepad.com provides an excellent analysis in the article, An Expensive Ad that “Almost Gets It.”

Before we look at what David says about this ad, let me set the stage: I firmly believe that elements of direct response can be successfully incorporated with so-called “image ads” that are designed to establish a dignified brand.

For example, brokerage firms like Merrill Lynch and Morgan Stanley do this all the time. You frequently see their ads offering booklets on their market forecasts and white papers on their analysis of the economy. Despite the heavy restrictions placed upon financial services marketing, these ads manage to do three things simultaneously:

convey dignity and a brand image,
present a strong sales message, and
generate leads for their salespeople.

Direct Response vs. “Advertising Art”

Regular readers of my blog may recall my story of a copywriting job I didn’t get. The client was a high profile interior design firm in Florida that catered to a very affluent clientele.

The ad agency that interviewed me had created a beautiful two-page spread depicting a home most of us can only drool over. It truly was an example of advertising art.

The trouble was the copy. It relied only on a single sentence that frankly said nothing at all. This sentence was presumably intended to arouse so much curiosity that people would flock to the client’s store or tie up the entire South Florida telephone system trying to call in. (no website address was mentioned on the ad).

When asked for my input, I suggested that the client create an information piece such as a booklet full of decorating ideas. My thinking was that such a booklet would not only have high, perceived value to the reader. It could also, in the process of offering numerous how-tips, generate additional sales for the client’s design services as well as specific items of furniture and wall decorations.

I then suggested the beautiful ad could feature the booklet as a free offer to anyone who called or stopped in. (Of course, they would have to provide their names and contact information in order to receive the booklet, thereby creating a list of prospective customers for the client).

Alas, the creative types felt my ideas would detract from the beauty of the layout and would smell too much of “salesmanship.” I didn’t get the assignment, the ad ran exactly as I had seen it, and appeared only one time in a very high-profile magazine.

Trying To Sell The Law Firm

Fast forward to the article in David Garfinkel’s article. The ad shows a picture of Craig Newmark, the founder of the hugely successful craigslist.com. The ad’s headline, PEOPLE WHO MAKE GREAT COMPANY’S WORK, seems to offer insights into how people like Newmark create and grow successful companies.

Presumably, the ad seeks to attract clients to the law firm with an implied promise that the firm will help entrepreneurs become as successful as Craig Newmark.

Disappointingly, the ad offers zero benefits to the reader and breaks the headline’s implied promise. The ad concludes will the thundering dud of a sales message, “Perkins Cole: Legal counsel to great companies like craigslist.”

What if the firm had written a white paper on the legal needs of small, growing companies? What if the white paper fulfilled the promise of the ad’s headline by providing how-to information on how entrepreneurs can grow their companies with help from knowledgeable law firms? And what if this white paper was featured in the ad as available free to any reader who asked for it?

Why White Papers and Image Ads Go Together

White papers convey the dignity such a law firm is trying to project, but they are also valuable sales tools. They promise – and absolutely must deliver – valuable how-to information, or analysis helpful for readers’ decision making. They target certain types of readers who, because of their interest in this topic, identify themselves as potential clients.

Here are a few ideas that should help you create a marketing campaign based on both white papers and image ads:

Begin with a clear idea of what decision you want your reader to make. This applies to both the ad and to the white paper. With the ad, you obviously want qualified readers to contact you, provide their address and/or their email address and telephone number. With the white paper, you want them to make a decision to contact you for an appointment. Not having this clear idea will cause major problems later if your work fails to lead the reader to a decision.
Don’t forget to talk about benefits. Even with image advertising, benefits are essential. Yet image ads routinely shy away from talking about benefits. Too salesman like, I suppose.
Make a promise and fulfill it. The headline of your ad, the ad’s copy, the free offer, the title of the white paper and every single word inside the white paper, should make a promise to either solve a problem for the reader or to help the reader realize a desired change. And after all that is done, deliver on that promise.
Generate leads. I have written before on the value of 2-Step advertising, and why it delivers more sales than one-shot ads. Although my article, Freelance Copywriter Secrets: Why 2-Step Ads Make More Sales, is not specifically written about image advertising for professional service providers, you may still find it to be helpful on this subject. One of the primary reasons to use a direct response device is to generate a list of prospective clients, who “opt in” to receive your follow up emails and letters. With a list of such people, your marketing becomes a continual matter of re-contacting interested, qualified prospective clients.
Create a series of white papers. Become known as the law firm, design company or professional services organization that has the right stuff. Within a law firm, for example, many lawyers have different specialties, each worthy of a multitude of white papers. Stuck for ideas on what to write about? Just look at what problems clients want to have solved for them. Each problem can result in a new white paper.

Image ads and white papers make the perfect marketing marriage. The more valuable information you give away, the more new business and new profits come back to you.

How Swipe Files Killed the Copywriting Star

What is it with copywriters and swipe files these days?

Lately I’ve been seeing a LOT of ads that are not just swiping, but blatantly and shamelessly ripping off other ads — literally word-for-word. They obviously think they’re being smart and “cool.” But really, they’re morons.

Not just legally & ethically, but from a sales point of view, too.

In fact, I suspect they’re killing their own sales.

Let me explain why:

Back when I was a scrawny, pimple-popping teenage runt, I wanted nothing more than to be a comic book artist for Marvel Comics.

I mean, I was obsessed with it.

I spent HOURS each night studying comic book art. I’d copy comic book pages freehand over and over and over again. And my sketch books were packed cover to cover with nothing but super heroes and comic book drawings.

But you know what?

Even with all that comic “swiping” I never got good. In fact, I’d say my stuff flat out sucked.

Why?

Because I taught myself to draw the wrong way. Instead of learning the fundamentals of the craft through hard work and old fashioned thinking, I simply mimicked (i.e. “swiped”) other artists.

So I never got a solid education on the basics.

Never learned things like perspective, lighting or balance.

And never got past the comic book “fanboy wannabe” stage.

Instead it was, “I’ll just check my comics and copy something cool!” The result was one cheap imitation drawing after another. With no fire, imagination or “oomph!” in my work.

And you know what?

That’s how a LOT of copywriting is today: Too many copywriters are just lazy wannabes “tracing” other ads. And, sometimes, blatantly stealing from other ads.

By the way, I’m not anti-swiping.

I use my swipe file all the time for inspiration, ideas, and to see how certain copywriters handle storytelling, arrange their ideas, and structure their ads.

What Is Tort Law Exactly?

Have you ever done something that was against the rules? Well, torts are something like that; but much more serious. Torts are civil wrong-doings; immoral behaviors and actions against civilians. The law identifies a tort as immoral, and approves it as grounds for a lawsuit. Most often, torts come with severe consequences, like serious injuries and death. These consequences establish a civilian’s right to file a personal injury claim against a wrongful party.

Torts that result in serious injury or death can be punishable by imprisonment; however, the objective of tort law is to acquire compensation for damages incurred by victims and families of victims. In addition, and equally important, intent is to prevent similar wrongdoings from occurring in the future. In fact, victims of tort can take legal action for an injunction in order to inhibit further torturous conduct of the opposing party.

Explaining Torts and Tort Law

Victims of tort can pursue fair compensation for damages incurred as a result of the offence. Exemplary damages include everything from pain and suffering to loss of companionship, and much more; such as lost wages, hospital bills, medical expenses, scarring or disfigurement, funeral expenses, prolonged rehabilitation, permanent disabilities, and much more. Injured victims can also pursue compensation for damages like diminished quality of life and loss of benefits from loved one’s death. Tort law is established to protect injured victims that were wrongfully hurt by a negligent party. Negligent parties can include people, companies, individuals, organizations, products, and much more.

Categories of Tort

There are several individual capacities of tort law that all depend on the type of injury or accident that harms a person. Types of tort include motor vehicle accidents, product liability, assault and battery, sexual harassment, drunk driving accidents, wrongful death, slip and falls, head or brain injuries, dog bites, nursing home neglect, motorcycle accidents, and several other types of deliberate inflictions of emotional or physical trauma.

Every type of tort can be grouped into three separate categories of tort law; these categories are Intentional Torts, Negligent Torts, and Strict Liability Torts. Intentional torts are deliberate, premeditated, and purposeful. Assault and battery, sexual misconducts, and nursing home neglect are some examples of intentional tort. Negligent tort occurs as a result of carelessness and disregard. Disobeying traffic signals and causing an accident that harms another person is an example of negligent tort. Other examples include pedestrian accidents, hit-and-run accidents, medical malpractice, legal malpractice, and slip and fall accidents. Strict liability torts, on the other hand, occur when a particular action causes harm or damage to another person; such as liability for making and selling defective products that are hazardous.

If you are a victim of tort, or was recently injured in an accident caused by the negligence or misconduct of another party, you may be entitled to compensation for your damages. Contact a licensed personal injury law firm for professional guidance and counsel. It is important to take immediate action following a serious injury before the State’s statutes of limitation runs out. An experienced tort lawyer will substantially increase your chances and likelihood of winning your personal injury claim recovering compensation for your damages.

Posted in Law

Common Benefits Received From Workers’ Compensation

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.

Posted in Law

Who’s Liable for Injuries Sustained in Public Transportation Accidents?

Public transportation is a wonderful asset for thousands of Americans all across the country. Buses, trains, subways, limousines, metros, taxi cabs, and more are just a few examples of the variety we have to choose from when it comes to public transport. As customers and clients, we generally trust that these choices are safe and reliable; but sometimes unexpected accidents happen.

If someone is injured while using public transportation, who is at-fault for their damages? There can be several outcomes when determining who is liable for accidents such as these. Continue reading to understand all the possible parties that might be liable, under law, for injuries sustained to public transient customers.

Public Transportation Traffic Accidents

When it comes to public transportation, buses are one of the most popular. Tickets are inexpensive, and some buses are complementary to individuals in the community. School buses are also widely used for public school transportation. With the rising popularity of public buses, more and more are on the roads every day. As a result, the number of bus accidents continue to increase each year. According to the National Highway Traffic Safety Administration (NHTSA), more than 300 bus accidents happen every year, all of which resulting in fatalities.

Bus crashes, and other public transport cases, are complicated to litigate. Determining the at-fault party is a bus crash can be tricky because it may be more than one, or none at all. It requires the professional litigation skills and trial experience of a licensed car accident attorney to effectively pursue a bus accident injury lawsuit or claim. If you or someone you loved has recently been injured in a public transportation accident, like buses or taxis, contact a local personal injury lawyer to learn your rights.

Possible At-Fault Parties:

  • The Driver
  • Management Company
  • Other Negligent Vehicles
  • Government Entities (If Public)
  • Equipment Manufacturers
  • City Traffic Management (If Defective Light or Sign)

Common Causes:

  • Drunk Driving
  • Driving Under the Influence of Drugs
  • Defective Stop Light or Traffic Sign
  • Hazardous Weather Conditions
  • Reckless or Careless Driving
  • Poor Equipment Maintenance
  • Treacherous Roads
  • Defective Equipment
  • Obstruction of Views
  • Other Negligent Vehicles on the Road

Traffic accidents, public or not, can happen very suddenly, and usually result in serious injuries and damages to innocent bystanders and drivers. If a person is injured using public transportation as a result of another carelessness or negligence, they are entitled to legal compensation for their pain, suffering, lost wages, medical bills, and more. 

Posted in Law

A Myth Regarding Personal Injury Protection

I often get told by my clients that they “do not want to make any claims on their own insurance policy” because “it will raise their rates.” Like many things, this is an insurance tactic meant to scare people from claiming what is rightfully theirs. Let me elaborate further.

Under Texas law, every person in the State must carry Personal Injury Protection (“PIP”) coverage on their auto insurance policy, unless you expressly sign a rejection or “opt-out” of this coverage. The State minimum requirement is $2,500, although many people carry $5,000 or $10,000 in coverage (or sometimes even more, depending on what their auto insurance carrier offers). Importantly, under the Texas Insurance Code, it is illegal for your insurance company to raise your insurance rates, drop your coverage, affect your credit, etc. for making these claims. Therefore, if you have this coverage, you always want to use it.

PIP coverage is meant to reimburse you for two things: (1) medical bills you have already incurred or (2) lost wages (although it will only cover 80% of your lost wages). Additionally, Texas allows “stacking” of insurance benefits. For example, let’s say you get into an accident and you are taken to the emergency room where you incur a $10,000.00 bill. Let’s also say that you have the standard $2,500 PIP policy through your insurance company. After you are finished treating, we send that same $10,000 bill to both the Defendant’s insurance company and to your own. We get you paid $10,000 from this insurance company plus $2,500 from your own PIP coverage for a total reimbursement of $12,500. That’s right, you get paid $12,500 for a bill that was originally $10,000.

I always tell my clients the same thing: If you pay for this coverage every month in your premium, and if your insurance company cannot raise your rates for using it, then why wouldn’t you use it? It is free money falling out of the sky. However, because it’s free money falling out of the sky, many insurance companies (and their agents) will deliberately try to convince you that you do not need it because “it cost more.” Again, this cannot be further from the truth. The cost of this coverage is literally pennies on the dollar for what you get in return should you need to use it. Further, the best part is that this coverage is no-fault, meaning you are entitled to these benefits whether you caused the accident or if someone else hit you.

For these reasons, it is a no-brainer not only to have this coverage, but also to use it once you need it.

Posted in Law