Podcasts about uninsured motorist

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Uninsured drivers on Dallas roads have been on the rise, leading to an increase in car accidents and devastating consequences for those involved. Help is always available after motor vehicle accidents in Dallas at Reyna Law Firm - call 682-251-1981 or click https://www.reynainjurylaw.com/dallas now. Reyna Law Firm Dallas 17330 Preston Road #200 D, Dallas, Tx 75252, United States Website https://www.reynainjurylaw.com/dallas Email prc.pressagency@gmail.com

Do you know whether you have Uninsured Motorist Coverage with your car insurance? One of the lesser talked about insurance coverages, uninsured motorist coverage can be an important piece of managing risk in your life. In this episode, learn about how uninsured motorist insurance works, what it covers, and why 21 states find it worthwhile to require this insurance coverage.    Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn

This episode walks you through what happens when you are hit by an uninsured motorist. My Website Agency Launch training. Agency Launch Podcast. Music by Roger Clyne and the Peacemakers Simply Explaining Insurance on ITunes Simply Explaining Insurance on Spotify. On Stitcher On Android use Podcast Addict and search for Simply Explaining Insurance. The post Simply Explaining Insurance #236- Hit by uninsured motorist appeared first on Dietz Agency.

Importance of Uninsured Motorist Insurance: Attorney Laura Baker What do you do at an accident scene? Who pays for ambulance or helicopter? Why does Tennessee law not hav

ICYMI: On Mobile Mornings Dalton Orwig talked to Desi Tobias about why you need Uninsured Motorist Coverage. Attorney Desi Tobias explains what Uninsured Motorist coverage is.

Uninsured Motorist https://zalma.com/blog Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. This Video Blog of True Crime Stories of Insurance Fraud with the names and places changed to protect the guilty are all based upon investigations conducted by me and fictionalized to create a learning environment for claims personnel, SIU investigators, insurers, police, and lawyers better understand insurance fraud and weapons that can be used to deter or defeat a fraudulent insurance claim. ' Occasionally, without fanfare, someone stands up and refuses to honor an obvious fraud. Such an event, by its rarity, deserves public recognition. In October 1989 Joe Chevrolet, a negligent, uninsured motorist struck the rear end of a vehicle driven by Marcia Toyota. Ms. Toyota was insured with Good Hands Insurance Company. Marcia claimed severe physical and emotional injuries as a result of the accident. Through her attorney, Mel Shyster, she presented the reports of Louise Quack, a doctor of Chiropractic. Good Hands and Toyota did not agree on the amount of loss she had incurred. Both sides presented evidence to arbitrator Honest Abe Lawyer. At the arbitration Dr. Quack testified explaining the severe injuries she claimed she had detected in Toyota. Dr. Quack spoke at length about the many modalities of treatment she provided to Toyota to make her well. Good Hands produced George Wellness, M.D. who testified that Toyota suffered “no injury.” Good Hands also brought to the Arbitration Clever Expert, Ph.D. who stated an opinion that the collision was “de minimis” and caused no actual damage to Toyota's vehicle. Good Hands presented its evidence to the arbitrator with trepidation. It knew that arbitrators often attempt to reach Solomon-like decisions. They often render awards that split the difference between the demand and the offer. Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose. As you listen to the podcasts I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. © 2022 – Barry Zalma --- Support this podcast: https://anchor.fm/barry-zalma/support

Accidents often involve two parties, and if the other party is uninsured, you may not have recourse to submit a claim for your damages. To ensure that this doesn't happen, check out this episode on the importance of having Uninsured Motorist Insurance coverage on your policy. Contact Brandon Porter at (801) 465-8733 or at brandon@801injured.com if you have any questions about this podcast episode. ⁠— Join the Utah Motorcycle Riders UNITE Facebook Group ⁠— We'd love to have you join our Facebook group. It's a great place to meet other riders, get your questions answered, and share your motorcycle riding experiences. Click here to join: https://801inju.red/group ⁠— YouTube Content ⁠— To view our Personal Injury Quick Tip series, visit: https://801inju.red/quick-tips  You can subscribe to the 801-INJURED YouTube channel by clicking here: https://801inju.red/you-tube ⁠— Contact 801-INJURED — Website: https://801injured.com Email: contact@801injured.com Phone: (801) 465-8733  ⁠— Follow us on Social Media⁠ — Facebook: https://801inju.red/face-book Instagram: https://801inju.red/instagram LinkedIn: https://801inju.red/linked-in YouTube: https://801inju.red/you-tube Twitter: https://801inju.red/twi-tter ⁠— Blog Content ⁠— To read our latest articles and see our latest personal injury-related content, visit the 801-INJURED blog: https://801inju.red/blog

In this episode of Summary Judgment, Josh and Aaron break down the Texas Supreme Court's recent opinion, Allstate v. Irwin and what it means for uninsured motorist coverage (UIM). Josh is a self proclaimed UIM law nerd, so listen in to hear his take on this game changing opinion. FVF Law is a well-credentialed, award-winning personal injury law firm. FVF strives to be the educational resource for the injured, available to guide those with questions about what comes next. It is FVF’s mission to ensure clients are prioritized and informed throughout the injury claim process, and to secure the best possible outcome. Josh Fogelman and Aaron Von Flatern founded FVF Law to offer a different kind of injury law firm, and a dignified alternative in the marketplace. They hope to show injured Texans that consulting a lawyer after an injury is a natural, and responsible thing to do.Learn more about FVF Law at https://www.fvflawfirm.com/ and https://www.facebook.com/texasinjurylawyers/

In this week's episode Stephen Resset continues to share about the horrific tragedy he and his family are walking through. Stephen is raw, vulnerable and offers some basics insights as to how you can be better prepared for when you and your family face tragedy.

In this episode Jonathan Rosenfeld chats with Gerald Bekkerman an Attorney at Taxman, Pollock, Murray, & Bekkerman, LLC. Here, they give statistics drivers causing car accidents without insurance and uninsured motorist coverage. They also answer 4 key questions: 1) What is uninsured motorist coverage? 2) What does uninsured motorist coverage cover? 3) What is the process for availing yourself to uninsured motorist coverage? 4) What are damages in uninsured motorist cases?   Read the Transcript Download the PDF Jonathan Rosenfeld: Hello! I am Jonathan Rosenfeld and today I am joined with Gerald Beckerman, and today we are going to talk a little bit about uninsured motorists, and uninsured motorist coverage in particular, and if you are listening to this podcast or watching the video and are thinking to yourself "Well, that sounds like a really boring, esoteric, random topic." Well, before you automatically write this off, listen to this for a few minutes. Jonathan Rosenfeld: In today's world, post-COVID, we are seeing more and more people impacted financially by the COVID-19 fallout, and the incidents of uninsured motorists on the road in Illinois and across the country is really, really, really, unfortunately, on the rise. People are really facing some economic hardship today that they may not have faced in the past, and when it comes to making ends meet, one of the things that they are doing, unfortunately, is they are going without liability insurance coverage when they get behind the wheel. And despite the fact that there is mandatory auto insurance in Illinois, there are almost 13% of the motorists on the road today are driving without any type of liability coverage. Jonathan Rosenfeld: So, today I want to talk with Jerry about these situations, and about what drivers can do, and what you can do to protect yourself and your family from getting in an accident with a uninsured driver and really sort of being left out to dry in terms of financial recovery. So, Jerry, first off, thank you for joining me today. I appreciate it. Gerald Beckerman: Of course. Nice to see you again, and always happy to talk about the fascinating world of uninsured motorist coverage. Jonathan Rosenfeld: It is indeed a fascinating topic. Jerry- Gerald Beckerman: It's fascinating in the sense it's such a lifesaver to so many clients and all. I'll give some stories about just what this unknown insurance provision can really do and how it can change someone's life for the better. But, go ahead. I'll give you those examples of all of that. Jonathan Rosenfeld: No, I think that it's one of those things where you get your insurance policy and it's pages and pages and pages of super fine print, and you may read the first page or whatever, and then you sort of shake your head and bury it in the sand and scribble off and send your payment. But, it's an important thing to have when the situation arises and you're actually really grateful that you have it. So, I guess to begin with, can you just sort of give us a little bit of an explanation about what uninsured motorist coverage is? Gerald Beckerman: Sure, let me do this. Let me tell you the story about why, and then we'll kind of work backwards, it's so important and what the benefit of having it is, and I'll explain the nuances because the story is always a nice, more interesting way to get an understanding of the topic. I had a client, who happened to just be a friend of mine. He was out on a date with a girl. They were driving, their first date, they were coming back from dinner, and they got in a really bad accident here in Chicago off of [inaudible 00:03:59] Drive. Actually, right in front of our office. This is a while back. Fortunately, at that time they were struck by a vehicle that had adequate insurance, $250,000 insurance policy. It was a Cadillac, something or other corporate car, and there was enough damages for them to recover from this big fireball of an accident. Gerald Beckerman: They were hospitalized for it, et cetera, et cetera. I told them at that time, "Jake, you're very lucky that this car had coverage because I looked at your insurance policy and you only have $50,000 of uninsured or under-insured motorist." I said, "You really, really should talk to a broker and get that increased," because you never know when you get in an accident and the other person doesn't have $250,000 of available insurance. They may only have 25. They may only have 50. He took that advice to heart. They actually wound up getting married, the same friends of mine. Gerald Beckerman: Five-six years later, they got into a pickup truck, out in another state with four other friends. Out on the day of water skiing just enjoying some outdoor activities in a rural part of the state, and the driver of the car that they were in made an illegal U-turn in front of another pickup truck and caused a terrible, terrible accident where four people, including my friends who were in the car, were seriously injured, again. One person passed away and there's a total of seven injured people all in this case, including a fatality. The driver who had the car that they were in had $50,000. The driver of the other car, who may have been at fault, also had $50,000. Gerald Beckerman: That is a total of 100,000. That was to be split between seven people, including the estate of someone that passed away, and my friend had significant, significant, significant injuries. Hospitalized. $500,000 in medical bills. Well, he took my advice, that I gave him those five years back, to heart and bought a million dollars worth of uninsured motorist coverage, which, and I'll explain what that is in the sec. Didn't cost him a lot of money. Cost them a couple of hundred bucks per year, but he took my advice to heart because he purchased that and spent $200 bucks or whatever it was to have that coverage. He was able, and we were able to secure for him, total of $1.1 million in recovery for his medical bills, his pain and suffering, his loss of income. Whereas, otherwise he would have only been able to recover, I think about $8,000. Gerald Beckerman: So, we're talking just a wild swing, and life-changing, and important money, and deserving money for the kind of injuries he sustained without having any fault of his own and being through such a tragic accident, having lost a friend. So, that's kind of what the end goal of getting this coverage is. What is it? What is this magic thing that gives you money? It's basically a provision in an insurance policy that provides coverage to you, if you are injured in a motor vehicle accident, that covers you above and beyond what the person that injured you covers on their card. So, if John and I get in an accident, and I carry a $100,000 in insurance and I rear-end John at 60 miles an hour cause I'm texting and watching the NCAA tournament on my phone instead of paying attention to the road, and poor John is badly injured. Breaks every bone in his body. Gerald Beckerman: He goes to the hospital. He wants to sue me. He wants to file a claim against my insurance. My insurance will say, "Listen, this guy Jerry Beckerman, he's kind of a loser. He doesn't have any assets. He owns a lot of credit card debt. He's basically bankrupt. He has a $100,000 of insurance. We'll give it to you. Good luck. I know you have $250,000 worth of medical bills. I know you're going to miss a year of work. I know you have scarring and you're going to be in pain the rest of your life, but all we got is a hundred thousand. Godspeed." Now, John, being the astute attorney that he is, obviously carries a large uninsured motorist policy. So, that means at some point back in the day, kind of like my friend, he contacted his broker and that doesn't have to be a broker. It could be online through Geico. Gerald Beckerman: It could be online through State Farm, Progressive, and he chose to increase his limits for uninsured or under-insured motorist coverage to a high number, maybe 500, maybe a million, and he chose to pay a little bit of an extra premium for it, and they're really not large premiums. Chose to pay another couple of hundred bucks per year for the protection. I call it kind of like a life insurance policy, or a hazard pay policy of some sorts, but he chose to have this uninsured, under-insured coverage, and that gives him a gap of coverage from whatever me, the deadbeat with a $100,000 only my insurance can give him, up to whatever he paid for. So, if my coverage is a hundred, my insurance company gives it to John for the injuries that I caused him. His own insurance then steps in and whatever limits he paid for. Gerald Beckerman: If it's 500, they'll give them an additional $400,000 for his medical bills, his lost time from work. If it's a million dollars that John has in uninsured or under-insured coverage, it would be an extra $900,000 that he could collect, okay? From his insurance company. Doesn't mean they're going to hand it over to you. You still got to prove your case. You got to go to arbitration, I'll explain the nuances, but it gives you an opportunity to recover more money than someone like me that carries a hundred, or someone that's even more of a deadbeat and doesn't buy any insurance. Kind of like John said, so many percentage of people don't carry any insurance. So, a zero. You get nothing for me. Your insurance would step in and cover that portion. Jonathan Rosenfeld: Yeah. I think it's important to realize that in Illinois and other states, the wallet liability insurance is mandatory. The limits, the minimum coverage limits are extremely, extremely low. The state of Illinois recently raised the minimum to $25,000 in terms of liability coverage, and that $25,000 that covers situations where a person may have catastrophic injuries. You may have multiple fractures, extended hospitalization. You may actually, or a family member, actually may die in an accident, and at the end of the day, you are essentially going to be limited to, in terms of collecting from the person who may have caused the accident, by the limits of their insurance coverage. Most people, I think, don't realize that when someone says, "Hey, I have full coverage." That basically just means that they have the minimum coverage out there. That doesn't necessarily mean that they have sufficient coverage to cover a loss or an injury. Jonathan Rosenfeld: And I think that's something that a lot of times people naively might think, "Hey, all right, that guy has got full coverage, I'm good." The other thing that I think I would just add is that, well, if someone even sues the person who caused the accident individually. Most people don't have significant liquid assets to satisfy a judgment against them for a significant injury. Gerald Beckerman: Yeah, absolutely. Jonathan Rosenfeld: People don't have hundreds of thousands of dollars sitting under their bed or in their bank account to satisfy a situation like that. So, all the more reason to. If you can afford to have a Netflix account, you can afford to have uninsured motorist coverage in a relatively significant amount. So, I think all your suggestions are really, really important for anyone out there who's involved or even considering getting any type of insurance coverage for their vehicle. Gerald Beckerman: And it doesn't just cover you uninsured or under-insured coverage, it also covers your family members, members of your households. So, we have a lot of cases where a 16 year old, the parents gave the car to the 16 year old, the 16 year old is not at fault. They get in a hit and run by a drunk driver who's never caught, they're badly injured, the 16 year old, and the parent's policy that they have on their car gives $500,000 of uninsured motorist, under-insured motors coverage would apply to that child as medical bills, injuries. And we've had great success recovering those kinds of amounts for those kids. And if they parents didn't pay for those policies, like that Netflix account analogy, and payout a couple hundred dollars a year to have this coverage and increased limits, then that child of theirs would recover nothing potentially from an at-fault driver. Gerald Beckerman: It's really, really important. And another thing that that you mentioned, John, a personal injury judgment or verdict kind of goes last in line against an at-fault party. So, if you don't have assets and you don't have a couple hundred thousand dollars under your bed, which most people don't, and you only carry a $100,000 of insurance and I badly injured John, right? John didn't pay for any uninsured, under-insured extra levels for himself. And he's going to sue me. He doesn't want to just take a $100,000, and he goes to court and he gets a judgment against me for a million dollars. Well, guess what? It's not like I'm going to pay him a million dollars. He goes last in line behind home mortgages, credit cards, student loans, any and all other creditors. Personal injury kind of goes last in line. Gerald Beckerman: For example, I don't know if people remember 2008, there was a big recession and General Motors had a lot of cases pending against them for faulty airbags, rollovers. Just a lot of product liability lawsuits. All those had to take a pause during the restructuring and bankruptcies and all that. I mean, it's just really hard to get assets collected, even against corporations sometimes, against individuals and car accidents. It's near impossible. So, the best protection you can give yourself and your family members is to pay a little bit extra in that premium, get uninsured or under-insured coverage of limits that are at a minimum 250,000 upwards of 500 and even a million or more if it's doable. Jonathan Rosenfeld: Yeah, and I think that the other thing that a lot of times people don't realize with uninsured motorist or under-insured motorist coverage is other situations that may have given rise to coverage. For example, let's say you're out walking with your kids and, God forbid, someone blows a stop sign and hits your family, or something, as pedestrians. There could be coverage. If you're a bicyclist and you're doing your best and you're staying in the lane and someone, God forbid, hits you. If you decide to jump in a car with a friend or something. These are all situations where uninsured or under-insured motorist coverage would apply and it could really not just come in handy, but really protect yourself and your family from significant financial hardship that you could endure as a result of your insurance. Jonathan Rosenfeld: So, I think that this is all really, really important because a lot of times people don't realize the intricacies of this stuff until way after the fact where, "You know what? It's too little too late," as I like to say sometimes. So, this is good advice. Now, I just want to talk with you, real quickly, a little bit more about how these cases, uninsured motorist coverage cases, potentially could get resolved as opposed to traditional motor vehicle accident cases where let's say, using your analogy again, you rear-end me, and I said, "Hey, you know what? I'm hurt. My back is messed up. I'm going to file a lawsuit against you." In a situation involving an uninsured motorist or under-insured motorist, can you explain just a little bit how that process works in terms of resolving the case? Because as far as I'm aware, you don't go out and just necessarily file a lawsuit. There's a certain procedure that has to be followed, correct? Gerald Beckerman: Absolutely, yes. So, the uninsured and under-insured world takes place in an arbitration setting. So, there's no one to sue. You can't sue your own insurance company. You got to follow the arbitration act. No one reads it, but when you get an insurance policy, you get a pamphlet that big containing all the provisions. We, the lawyers, we read them. So, we have to follow them. But, in long and short, is that there's no judge. There's no jury overseeing your case. You've got to follow certain steps. You still got to work with an attorney. You got to answer your discovery documents. You've got to produce your medical records, your background, your work information. You have to sit for the quasi deposition. They call it a recorded statement, talking about the accident, your injuries, your damages, everything you claim you've lost, why you're seeking compensation. Gerald Beckerman: Your doctors have to give supporting documentation and depositions to support your injuries. Your employer must support your lost wages. I mean, all the same steps we would take in the jury trial, except there's no jury. There's a three panel arbitrator, typically, that makes decisions, weighs all the evidence, and then gives you an award. They move a little bit slower. There's no jury trial mechanism, unfortunately. So the uninsured, under-insured cases sometimes take a little bit longer, but the results, I mean, usually your insurance company is going to pay you a fair value on a case that's legitimate, that you've sustained legitimate injuries. Cause you pay for this coverage, right? It's an insurance policy you bought for yourself. You've paid the money to this, to Allstate, or State Farm, or Zurich to give you this coverage, and ultimately these cases result in favorable outcomes. And all you have to do really to get this process going, contact an attorney and notify, and we notify them of our intent to proceed to arbitration under your uninsured or under-insured policy. The ball gets rolling and it's as simple as that. Jonathan Rosenfeld: No, these are important things that hopefully people won't have to deal with, but it's nice to know that there are seasoned attorneys out there who can really help people navigate through a potentially really difficult time and uncertain time. So, I want to thank you today for joining me, and this is great information and thank you. Gerald Beckerman: Of course. Thank you, John. Happy to help.

Approximately 15% of people behind the wheel don't have any automobile insurance coverage. What happens if you're injured by one of those people?  Find out in this episode, as Larry Heller speaks with Brian Murphy of Rappaport, Glass, Levine & Zullo LLP. As a personal injury trial attorney, Brian represents individuals all over the New … Continue reading Episode 83 – Why Everyone Should Have Supplementary Uninsured Motorist Coverage — With Attorney Brian Murphy →

What are different criminal and civil law scenarios you might see with stolen vehicles? What is uninsured motorist coverage? Justin Petredis, a Board Certified Attorney in the area of Criminal Law, and Corless Barfield Trial Group's John Mulvihill discuss these items and more. If you were a victim of a car accident, and you were involved in a car accident with a stolen motor vehicle, you should consult an attorney to know your rights. For a free consultation regarding your accident case, call Corless Barfield Trial Group at 813-258-4998.

Doug Levi - Strategic Insurance-Doug explains how values are determined and offers free insurance reviews, let him show you how you can modify your policy to get better coverage...understand the importance of Uninsured Motorist coverage, it may be the most important purchase you can make...doug shares how athletes and professional sports teams use insurance to provide security for their players, coaches and fansChuck Peterson - Suncoast roofing-Chuck comes off the roof long enough to tell us about Suncoast new technologies and how they respond to hurricane season. Chuck explains the new solar tech that suncoast offers, direct to deck, no air space between roof and panel, NO PENETRATION thru roof at all...get an estimate from Chuck See acast.com/privacy for privacy and opt-out information.

Board Certified Civil Trial Lawyer Jeff Adelman's guest on Tuesday is the always entertaining Andy Kasten. Andy is an insurance broker based in Coral Springs. Jeff and Andy will discuss automobile insurance including:1) What is Uninsured/Underinsured Motorist Coverage?2) Why you should make sure you have it?3) What is "stacking"?4) What does No Fault/PIP cover?5) What do you mean I have to pay my health insurance back if I recover money in a personal injury claim?And Much More.Have a question prior to the broadcast? Email Jeff jeff@adelmanlawyers.com or call 954-341-2777. You can watch the video on Youtube by clicking https://youtu.be/1zPQeSeaEI8

Episode 9:  Louisville personal injury attorney Jim Desmond has spent years representing people injured in motorcycle accidents.  This episode focuses on why these cases are complicated and what motorcyclists can do before they take their bikes out of the garage for spring and summer. The risks to a motorcyclist is significantly higher because the likelihood that the injuries will be far more serious.  The medical bills and related expenses can be overwhelming.  An attorney needs to quickly determine any and all available sources of insurance coverage. Kentucky has a state minimum level of insurance of $25,000.  This may be only be a fraction of the actual expenses.  It’s extremely important for a motorcyclist to carry a significant amount of Uninsured Motorist and Under Insured Motorist coverage (UM/UIM).  These coverages are there to protect the motorcyclist, in the event the at-fault driver either doesn’t have insurance or doesn’t have enough insurance.  UM/UIM will add to the available funds to help the injured motorcyclist. Your motorcycle isn’t adequately covered by your standard automobile insurance policy.  Unlike Kentucky automobile insurance, no-fault coverage on your motorcycle doesn’t exist unless you specifically purchase it.  A standard car insurance policy provides no-fault coverage (also called personal injury protection or PIP coverage).  This lack of coverage creates another financial gap for motorcyclist.  PIP coverage is generally $10,000.  Without specific PIP coverage, the motorcyclist may be unable to recover the first $10,000 of medical expenses. Pedestrian PIP only covers a pedestrian the who may be hit by a motorcyclist.  It does not apply to the motorcyclist.  If a motorcycle wreck has occurred, it’s important that the evidence is preserved.  Pictures are extremely important.  It’s important to photograph cuts and bruises that may heal by the time the case goes to trial.  The location of the vehicles is significant in reconstructing what may have occurred at the time of the collision.  The victim may not be able to take the photos, but family members may be able to, if they arrive at the scene.  It’s important to remember to download the photos from your cell phone to a laptop or other storage device.  Phones can be damaged or lost.  The important photos could be lost. It’s incredibly important to avoid posting statements and/or photos to social media while your case is being handled.  It’s very easy to make comments which could later be taken out of context.  This often can be extremely damaging to an injured victim’s case.  This includes the family and friends of the injured motorcyclist.  Get the Police Report This important document will list the people involved and their insurance companies.  It also often indicates which driver appears to be at fault.  The website www.BuyCrash.com is a trusted, easy resource.  It’s very inexpensive and can be done quickly.  The information on the report is helpful when opening the motorcycle accident claim. Your own health insurance may need to be used to cover your medical expenses, especially if you didn’t purchase the additional PIP coverage as part of your motorcycle insurance.  The advantage to using your healthcare is that you are able to get medical treatment even before the case is resolved.  If your health insurance pays your medical bills, they have the right to file a lien against any settlement or jury verdict you recover from the at-fault driver.  Medicare and Medicaid have the same rights to attach a lien to your settlement or verdict.  Jim Desmond will continue the discussion in Episode 10.   For more information about Louisville Personal Injury Attorney Jim Desmond, visit www.AttorneyDesmond.com.   Important Disclaimers: The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  I am only licensed in Kentucky and Indiana, so the general advice provided may not apply outside of those states. This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.   Principal office is located in Louisville, KY.  Co-host Jim Ray is a non-attorney spokesperson. 

What happens when you figure yourself in a hit-and-run accident, or you get hit by a vehicle whose drive doesn’t have insurance? Is there a type of coverage that you can claim to help with any damages resulting in an accident like this? On this episode of When Accidents Happen, hosts Paige Pahlke and Jim Puritz, attorneys at Brown Moore and Associates, talk extensively about uninsured motorist coverage and its different limits, depending on the state you’re currently in. They also discuss what you should do as soon as the accident occurs and how you can add coverage to your existing policy, and to your family’s.  Key Moments From The Episode00:52 – What is uninsured motorist coverage 01:08 – Minimum limits of the coverage 01:25 – Procedures to claiming the coverage 01:47 – How to add coverage for yourself and your family 03:13 – How to determine whether one has uninsured motorist coverage You can connect with Brown Moore and Associates on our website at  YouTube (https://www.youtube.com/channel/UCzFN-qYqRbfLXfTe5BdEYCg/videos) .  Subscribe to When Accidents Happen on (https://subscribeonandroid.com/feeds.captivate.fm/whenaccidentshappen/) . When Accidents Happen is a podcast by Brown Moore and Associates, a personal injury law firm based out of Charlotte, NC. This podcast is for general information purposes only. It does not constitute legal advice and is not a substitute for consulting an attorney. You should always consult an experienced personal injury attorney about your unique situation before making legal decisions. Visit our website for more online resources at  (https://www.brownmoorelaw.com/) , or better yet, call (704) 335-1500 for a free initial intake interview so Brown Moore and Associates can evaluate your case.

Jim Desmond is a personal injury attorney licensed to practice in both Kentucky and Indiana.  His office is located in Louisville. This podcast is going to provide helpful information, so you have a better idea of what you should do after a car wreck. Uninsured Motorist (UM) and Under Insured Motorist (UIM) Coverage The declarations page of your insurance policy lists the limits (e.g. 25/50/10).  The first number is the maximum coverage for the first person.  So, on this policy, it’s $25,000.  The second number is the maximum coverage for all people involved (i.e. $50,000).  The last number is the property damage coverage.  UM or UIM coverage is generally used for pain and suffering claims and uncompensated medical expenses. Your uninsured motorist coverage and under insured motorist coverage must be in place before the collision occurs.  Bodily injury coverage refers to the amount your policy will pay for the other person, not you.  You can have coverage as a named insured and others may be covered under resident relative concept.  Uninsured Motorist and Under Insured Motorist coverage can apply to resident relatives.  Jim Desmond discusses various situations, including a bus accident requiring multiple claimants to file against a single driver.  He explains how UM/UIM coverage can be an added layer of protection.  If there are multiple injured parties, the attorneys will work to help decide how the coverage will be divided among the victims. If you are hesitant to file a claim in an automobile accident, it begins as a personal injury claim, not a lawsuit.  You’re trying to recover from the at-fault driver via negotiations.  If you can’t reach an acceptable settlement, your attorney can file a lawsuit.  In most cases though, you’re going after the insurance company that is covering the at-fault driver. This Happened This Week  The no-fault carrier has a lien against the case for the amount it paid.  If you can figure out the policy limits of the at-fault driver, your attorney can petition the at-fault driver’s insurance company pay the victim directly.  This may avoid having the no-fault carrier recover the lien.  It’s complicated, but your attorney understands whether it’s possible in your case. Need to Hire an Attorney for Your Auto Accident Case? You can contact Jim Desmond at www.AttorneyDesmond.com.  His cell phone is (502) 609-7657.  Follow the links on his website to his Facebook page, where you’ll be able to follow him and keep up to date with new information about personal injury law in Kentucky and Indiana.

Recorded Statements with an Insurance Adjuster No one likes giving a recorded statement.  The adjusters have hundreds of open files.  Any piece of information you provide will go into the file.  If no one is disputing fault (e.g. they rear-ended you), why would you give a statement that might be used against you in the future?  The adjuster may try to claim, “It’s required under the contract.”  That’s not always the case.  If you end up giving a recorded statement, don’t minimize your injuries, answer the specific question they ask and don’t volunteer more information.  They will ask if they want additional facts.  You can always wait until you have your attorney present or at least on the phone.  He/she can help you to avoid giving too much information, especially if the adjuster didn’t ask for it. Who’s at Fault?  If you’ve been in a car wreck, get a police report.  While they are not admissible in court, they can be helpful during negotiations with the adjuster.  Determining who had the right of way is a key part of the case.  If the other driver had the right of way, you may be at fault.  This could be the case any time you are merging into traffic or crossing an intersection.  What’s Comparative Fault?  Kentucky is a pure comparative fault state.  If you’re 99% at fault, you can still recover 1% of the damages.  This is typically determined by the attorneys and insurance adjusters.  Indiana is a modified comparative fault state.  If your fault is 50% or more, you probably won’t be able to win a claim for damages.  Determining the percentage of fault for each of the drivers is complicated and can seem arbitrary.  Will My Car Get Totaled or Repaired?  Take pictures of the damage to the vehicle.  It can help.  The 70% rule.  If the repair cost is equal to 70% or more of the fair market value of the car.  The insurance company is required to total it out.  This means you may only get $1,500 for your car, even though you’ll need $8,000 to replace it.  Again, it’s based on the fair market value, not replacement cost.  Does the owner get a say in it?  The short answer is no.  You may get “loss of use” to cover a rental car, but the insurance company has requirements regarding the 70% rule.  If the car can be repaired, you will be entitled to a diminution in value claim.  Basically, the car is worth less now that it’s previously been in an accident.  What Happens if the Negligent Driver Doesn’t Accept Fault?  If the other driver is claiming it wasn’t his/her fault, luckily, it’s not necessarily the driver who makes the determination.  Again, take pictures if you’re able.  Show the position of the cars, the damage, the debris pattern and even the license plate on the other car.  The police officer will attempt to make a police report.  The negligent driver’s insurance may or may not stand by their insured driver.  Collision/Full Coverage – You can use this part of your own policy to get your car repaired.  If the insurance company has a reasonable basis to dispute the claim, they most likely will.  It could take a lot of time to get this case settled, especially if there are injuries involved.  At least you can go ahead and get your vehicle repaired.  Going back to Episode 1 - “No Guarantee the other driver has enough insurance.”  Yes, you can make a claim against the at-fault driver, but if there’s no insurance, limited assets, and very little cash, you still may need to go back to your own policy (UM/UIM coverage).  UM is Uninsured Motorist coverage.  It can help cover your losses if the other driver doesn’t have insurance.  UIM is Under Insured Motorist coverage.  We can go against the driver’s liability insurance, possibly up to the policy limits.  Then, we could rely on your UIM coverage to cover a portion of the remaining losses.  If you are in an accident in a different state, your UM/UIM and PIP coverage follows you. This Happened This Week  Some automobile insurance policies exclude motorcycles.  In this week’s case, Jim’s client was on a motorcycle.  A car pulled out, which forced the motorcyclist to lay down his bike.  No actual contact was made between the 2 vehicles.  His own insurance company paid the uninsured coverage (usually requiring physical contact, although it didn’t happen).  Jim hired an investigator who eventually found car.  Jim was able to determine insurance existed.  They made a claim, but were forced to give back the UM coverage proceeds.  The insurance company then attempted to blame the motorcyclist.  The coverage is now liability coverage, which was higher than the UM coverage.  Jim was able to recover more money as part of the settlement.  Unfortunately, the motorcyclist didn’t have under insured motorist coverage (UIM) so the recovery was capped at the policy limits of the liability policy.  Your motorcycle policy may have “pedestrian PIP” coverage.  This means that if your motorcycle hits someone, they can make a claim against your policy for $10,000.  This portion of your coverage is there to cover pedestrians, not you as a motorcycle driver.  Many people misunderstand this important coverage. Important Disclaimers: The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  I am licensed in Kentucky and Indiana, so the general advice provided may not apply outside of Kentucky and Indiana. This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.   Co-host Jim Ray is a non-attorney spokesperson.

Episode 1 Introduction of Jim Desmond  Jim Desmond is a personal injury attorney licensed to practice in both Kentucky and Indiana.  His office is located in Louisville.  We will launch new episodes of the Kentucky Auto Accident Podcast, every 2 weeks.  This podcast is going to provide helpful information, so you have a better idea of what you should do after a car wreck.  If you’ve been in an accident, knowing whom to call is half of the battle. Why he went into law and specifically injury law Jim decided to practice injury law because it’s similar to building a puzzle.  There’s a lot to know about who is responsible and where insurance coverage might exist to help pay for your injuries.  You can call Jim on his cell phone at (502) 609-7657.  No one plans to be in a car wreck.  You need someone to rely on for solid advice. Remember, the insurance adjuster is not the best source of information, because they are not there to help you.  They’re trying to find a way to minimize the amount you receive. Jim originally began working for a larger personal injury firm. Unfortunately, there’s a high case load and the involvement of multiple paralegals is common in large firms.  Jim prefers to handle cases personally.  He wants to be able to work directly with his clients. You need insurance to protect yourself, as well as others In Kentucky, the state minimum is $25,000, but nothing in the law guarantees the other driver has enough insurance to cover you.  One type of coverage is:  Under Insured Motorist – the at fault driver has insurance, but not enough to fully cover your medical bills, property damage or pain and suffering.  Another important type of coverage is:  Uninsured Motorist – the at fault driver doesn’t have insurance at all. No-Fault in Kentucky Doesn’t mean you can sue the driver who caused the collision.  No-Fault means you automatically have coverage for medical bills and lost wages, up to $10,000.  This is also called “personal injury protection” (PIP). If you’ve been in a car wreck Go see a doctor.  You need a formal medical record to support your claims for injuries.  It’s important that you document the injuries so the insurance company can’t try to blame the injury on something else that happened later (e.g. you fell down) Representing yourself vs. working with an attorney You could try to represent yourself, but you may not get the same results.  Risks of mistakes can seriously cost you money in your settlement.  It’s about what you’re able to keep after you settle your case.  Insurance companies can attempt to recover a portion of your settlement (“subrogation liens”).  It’s the law. You’re often better off working with an attorney who knows how to negotiate with the adjusters.  The attorney is also there to help you to consider future expenses you may incur for ongoing treatment.  Once you sign the settlement and release, there’s no going back to recover money of unforeseen expenses. Fees and Jim Desmond’s promise not to make more than his clients For cases not involving a lawsuit, Jim will lower his fees to ensure his clients make more that the attorney fees.  This Happened This Week  A client ended up hiring Jim, because another attorney provided an quick case value, without really knowing the facts of the case.  There are many factors that go into valuing an injury case.  How much your case is worth depends on many issues, including the insurance company, the injuries, the value of the property damage and much more.  It’s a bad idea to hire an attorney because he/she makes a promise of getting you a high settlement.  There’s no way reliable way to realistically estimate the ultimate settlement without fully preparing the facts of the case. Need to Hire an Attorney for Your Auto Accident Case? You can contact Jim Desmond at www.AttorneyDesmond.com.  His cell phone is (502) 609-7657.  Follow the links on his website to his Facebook page, where you’ll be able to follow him and keep up to date with new information about personal injury law in Kentucky and Indiana. Important Disclaimers: The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  I am only licensed in Kentucky, so the general advice provided may not apply outside of Kentucky. This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.   Co-host Jim Ray is a non-attorney spokesperson.  

What should you do about uninsured motorist coverage? Should you have more? Clark discusses; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Family law attorney Frank Jara turns the tables on regular host Jeff Adelman as Frank hosts this week's "Questions For Lawyers" and interviews Jeff about his personal injury law practice. Frank will ask Jeff what you should do immediately after an accident, why when you think you have "full coverage," you likely don't, whether a claim will raise your automobile insurance rates, and why "Uninsured Motorist" coverage is essential if you are on the roads in Florida. This and much more. Jeff was voted "Best Attorney" by the readers of the Coral Springs Forum for 12 years in a row. Frank and Jeff have been friends since their days at Nova Southeastern Law School, and this promises to be a fun, and informative interview. For more information about Jeff Adelman and his firm, go to www.AdelmanLawyers.com or call 954-341-2777.

Today I want to talk to you about uninsured motorist coverage—what it is and how it benefits you. Uninsured motorist coverage is a coverage you can opt into with your own insurance carrier. If you’re in an accident and the at-fault party doesn’t have any insurance to cover your losses, it really comes in handy.

What happens if I’m involved in a car wreck with someone who doesn’t have insurance? If you’ve been involved in a car wreck with an uninsured at-fault driver, don’t worry you’re not alone. According to a 2017 study by the Insurance Research Council approximately 13% of drivers in the U.S. are uninsured. **The contents of this podcast are not legal advice nor are they intended to be legal advice.** Attorney Wil Alexander of the Law Office of William H. Alexander, LLC is responsible for the contents of this podcast.

Did you know statistically 1 out of every 8 drivers is uninsured?  There is a coverage called uninsured motorists that is available on your auto policy, but did you know that covers your medical bills?  What about your car?  How is that covered?  What if you have liability only on your vehicle? The answers lie […] The post You were just hit by an uninsured motorist. Who pays for the repairs on your car? appeared first on Dietz Agency.

  What do you do when you get into an accident with an uninsured or underinsured motorist? Many times the bad guy in such cases doesn't have enough insurance to cover for the damages. Tune in to understand how you can proceed with your case!   Uninsured Motorist vs Underinsured Motorist There is a big difference between the uninsured and the underinsured motorists. An uninsured motorist is the bad guy without insurance.   An underinsured motorist, on the other hand, is the bad guy who doesn't have enough insurance. In these cases, it is natural to expect that your motorist provision and auto policy will make up for the damages. Having Enough Insurance Richard previously  wrote an article about this. He emphasizes on the need to obtain strong insurance coverage. You can read the article on his website.   Generally if your auto policy does not step in, you make sure to get enough insurance. Many times people are eligible in an umbrella coverage. A Lawyer to Help You in Pitfalls Such cases have a lot of pitfalls. Having a good lawyer would be very helpful.     The first pitfall is the insurance limit on the bad guy's account. It is important to exhaust the underlying policy to "trigger" the larger one.   If you fail to exhaust it completely, you may be precluded from receiving the larger uninsured or underinsured policy. This includes workers' compensation, issues, and pending claims.   Here’s a list of references for this issue: Cyclists Don't Skimp on Insurance article California Civil Procedure §998   To hear about how Bicyclists Can Recover Justice from an Uninsured or Underinsured Motorist, download and listen to the entire episode. Don’t forget to leave us a 5-star rating and review if you enjoyed the show. We would love to hear from you!   Connect with Richard L. Duquette at the following links:   Richard's Website Email Richard Call Richard: 760-730-0500 Connect with Richard on Facebook Follow Richard on Twitter   © 2016 Law Firm of Richard L. Duquette

In this fun epsode of the Blind Justice Podcast, Chicago injury lawyer Scott DeSalvo and Amelia Finefrock talk about what happes if you have a crash with a car that carries no insurance coverage? Well, you may not be out of luck thanks to "Uninsured Motorist Coverage"...

In this episode Richard L. Duquette digs deeper into the question of cyclist insurance and discusses umbrella policies and types of coverage. If you're short on time, here are highlights of the episode:   Shopping for an Umbrella Policy with Underinsured and Uninsured motorists (1:10)    Definition of Uninsured driver (1:33)    Definition of Underinsured (1:47)    Auto Insurance protection for bicyclists (2:05)    Explanation of Umbrella policy (2:40)    Umbrella policy for Liability vs. Underinsured and Uninsured Motorist (3:10)    When to get an Umbrella? (3:48)    Umbrella Recommendation (4:31)    Cost of Umbrella policy (5:07)    Types of Coverage (5:55)    Recent Real World Example (6:20)    Exhausting Policy before Umbrella begins (6:38)    Full articles at 911LAW.com (7:04)        Resources   Richard's Website   Email Richard   Call Richard: 760-730-0500   Connect with Richard on Facebook   Follow Richard on Twitter   © 2016 Law Firm of Richard L. Duquette