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Tuesday, September 30, 2014

The answer: Maybe.  It depends on your policy.

All policies are fairly well the same, but some have nuances.  

The nuances are written by the insurance company personnel to absolve them from having to pay for things that they don’t want to pay for. 

Whether your auto insurance policy will provide protect for you while injured riding a motorcycle simply depends on the language of your policy. 

Does the policy define a “covered vehicle as requiring “4 wheels”?  (I have seen this)

You can certainly review your policy in advance to see what it might and might not cover.  Most people don’t do this, but does not mean it can’t be done.

I have represented people where their auto policy provided coverage and other where it did not.

Just depends on the language of the policy. 

Do you know what yours says?

Monday, September 29, 2014

The question is: Do you trust your insurance company that much??

In my 22 years of experience, insurance companies have one interest: Themselves.

So, while your insurance company representatives might be able to help, if push comes to shove, you can bet who they will protect first: Themselves.

Are you comfortable with this? Wouldn't it be better to have your own personal advocate? An experienced lawyer in this area of the law?

Think about it and decide.

Thursday, September 25, 2014

Answer: There isn't a time "limit" but the longer you wait to see a Doctor, the harder your case will indeed be.

It is your burden to prove that you needed any medical care related to the accident that was caused by the negligent party.

With any sort of delay, an Insurance Company will argue what is called a "gap in care" and make it difficult for you to prove that any injuries sustained was due to the accident.

Needless to say, make sure you see a Doctor as soon as possible after an accident if it's needed.

Tuesday, September 23, 2014

Bodily Injury Liability (BI)

This coverage is mandatory in Arizona. Liability coverage protects all injured persons (occupants of your vehicle, other vehicles, bicyclists, pedestrians, etc.) if YOU are at-fault  or the driver of your car is at-fault for an accident (generally, anyone driving your car with your permission is also covered by your liability insurance).

If this coverage is inadequate to compensate an injured person, the injured person could conceivably seek to collect against the driver’s personal assets. Therefore, you want the best coverage possible you can reasonably afford.

The minimum amount of coverage that Arizona requires in this category is a 15/30 policy, which means no one person/claimant can receive more than $15,000 and no more than $30,000 is available per accident, no matter how many claimants there might be.

This type of coverage can usually be increased in set increments, such as 25/50, 50/100, 100/300, etc. Many carriers also offer a $1,000,000.00 “umbrella” coverage that would cover losses above a maximum BI coverage. Umbrella policies usually require the highest level of BI coverage.

How much do you need? That is the important question. If you pay for insurance and never need it, then other than providing you “peace of mind”, it just costs more.In deciding how much you should have, sit down with your insurance agent or your attorney. Discuss your income and discuss your assets.

How much can you afford? How much insurance should you and your family have to protect you against an accident and a financial catastrophe? These things need to be discussed and planned in advance. Once an accident occurs, it is too late.

Download our FREE E-book. It goes over ALL Insurance coverage's that you would need to be covered full covered in case of an accident.

Monday, September 15, 2014

Answer: Compensatory damages compensate the injured party (plaintiff/claimant) for all of their damages (medical bills, lost wages, pain & suffering, etc).

Punitive damages punish the at-fault party (defendant) for their behavior so as to deter such behavior in the future.

Punitive damages only apply in specific circumstances, usually drunk driving or other conduct that exhibits a blatant disregard for human safety.

Although punitive damages are imposed upon a defendant, they are paid to the plaintiff.

While some liability insurance policies do, most liability insurance policies exclude coverage for punitive damages, meaning the defendant would be personally responsible for paying any punitive damage imposed against them.