Articles Posted in Insurance Claims

Auto-Insurance-Tips-300x166What type of coverage are you going to wish you had if you get in an Auto Accident? So many people just call an agent and try to find the cheapest deal, then they find themselves involved in an accident and now they pay. If you are on a budget you will have to pick and choose what kind of coverage you can get, but sometimes adding very simple things that will protect you don’t cost much at all. Here are some Auto Insurance “MUST HAVE” coverages:

1. Liability Insurance – In the state of California the required minimum limit is $15,000 per person and $30,000 per accident. Thus, a lot of people think if they buy a $15,000/$30,000 they have full coverage. In that specific case, you are correct in that you have met the state minimum required limits, by law, but that is not nearly enough coverage to protect you in the event of an accident. These policy limits were put into place a long time ago, and today’s medical bills, if you hurt someone else, will usually exceeds these limits. If you hit someone and you are found liable for the accident your liability limits would be responsible for any and all related medical care and treatment including their pain and suffering. For example, an average ambulance bill is $2,500 if they don’t bill health insurance. A life flight can be $30,000 or more, if a person is really hurt!! An ambulance and an ER visit alone will likely exceed the minimum limits of $15,000! Thus, if you get in a collision and you hurt someone your $15,000 very likely will not be enough. If you do not have a large enough policy to pay a claim, and you own assets that injured party can go after your assets. Nobody wants this to happen! So it is very important that you get more than the minimum limits! Talk to your agent about what they suggest. If they don’t help you, get another agent!

2. Under Insured and Uninsured Motorist – This coverage is an absolute must, especially here in the state of California!! It is amazing how many people still don’t have this on their Auto insurance policy, and worse yet most people do not know what this coverage is or how it would apply to them. Let’s just say if you buy liability coverage to protect someone else if you hurt them, you should also purchase at least the same amount to protect yourself if you get hurt by an uninsured motorist, or someone without enough coverage. You must add this to your policy immediately, and it should be at least as much as you get for liability. For example, if you are injured by someone else and they only have the state minimum limits of $15,000.00, but your bills totaled $25,000.00 you would still be responsible for the remaining balanced owed on this bills. However, if you had Under Insured Motorist Coverage of $50,000.00 they would step in to cover the remaining balances owed above the $15,000.00 paid by the liability settlement all the way up to the policy limits of $50,000.00. As stated above, in the state of California the minimum limits required by law are just not enough to cover someone’s injuries and Uninsured / Under Insured Motorists coverage can protect you from those that only have the state minimum limits.

When you are involved in a motor vehicle collision and you are injured there are certain questions that every injured party wants answered. Some of this information and the corresponding insurance terms can be confusing, and rightfully so since often times this information has never been explained to you. In order to pursue a claim against the party that caused the collision there are certain things that a personal injury lawyer must determine. One of the initial factors that must be determined is liability.  Once liability is determined, then a Negligence claim can be made for Damages.

What is Liability?

Liability simply means who is “liable” or at fault for the accident. Once liability is determined; the person found liable will be responsible for any harms and losses that they have caused you or your family.

Slip-and-Fall-Blog-Photo-300x225

Premises Liability

Slip and fall injuries are often covered under what is known as premises liability cases. These injuries often occur at a place of business, but the incidents can also occur just about anywhere from a government building, to a residential address. Premises liability cases, refer to the legal responsibility that the owner and/or occupant of a certain premise has towards the people or customers who attend or visit that property. However, liability in these matters is not guaranteed, in fact, often times liability can be quite difficult to prove. Responsibility does not automatically become imposed. Instead, it must be proven that the slip and fall incident was caused by an owner who created, or allowed a defective or dangerous condition to exist.

Premises liability laws vary from one state to another. However, most basic circumstances are the same regardless of where in the country the slip and fall accident occurs. It is often interesting to focus on the statutes that exist in California as the laws in California usually become nationally prevailing laws. In many cases, an injured party may have fallen at their local or national grocery store due to a spill and/or substance found on the ground, as the photo above shows. However, that spill in and of itself is not enough to assume liability against the store owner or its employees. The store is allowed time to be alerted to a spill, and they are allowed an opportunity to address that spill before they can be found liable for a fall resulting from that spill.

In most major stores you will find a “sweep schedule” or an “inspection schedule”, they do this in order to monitor their floors and they will tell you that they do this in order to protect their customers. But, the truth is they also do this to protect themselves from potential lawsuits and potential liability in the event a spill leads to an injury. However, in most states they are allowed reasonable time to address the issue. But, often times the issue is overlooked, or not handled in that reasonable window of time, which may lead to a fall. In these instances you need to gather as much as evidence as possible and contact an attorney for further assistance. Stores have video surveillance that needs to be stored and protected, as this will show when the area was last inspected that area prior to a fall. Additionally, this footage may also show the actual incident itself, which can become incredibly important should the case go to trial.

Call a motorcycle attorney that rides! A true motorcycle enthusiast all his life, Travis Black has ridden a motorcycle most of his life. He started off with a 1970 Honda 350 and has owned over a dozen motorcycles since this first one. One of his passions is touring the U.S. on a motorcycle.

He has ridden for years with the Blue Knights, an international organization of active and retired police officers that share the passion of riding motorcycles. He has ridden through most of the U.S. with the Blue Knights. His lifelong passion for riding naturally led him to help fellow bikers who were being taken advantage of in personal injury cases by greedy insurance companies.

Over the years I have found that once other motorcycle riders learned that I was a retired police officer and an attorney that specialized in motorcycle accident cases they would often ask me the same questions about the different aspects of motorcycle insurance, accident claims, dealing with injuries and getting their motorcycle repaired. That is why I have supported motorcycle riders for over 25 years.