Insurance

“Reserves”: Why Insurance Companies Don’t Want You To Know About Them

Insurance companies want you to hesitate making a claim.

Someone rear-ends you.  Now what?  You spend the next couple of months getting your neck and back taken care of by a couple different physicians.  Along the way you do not consider making a claim against The Other Guy’s Insurance Company, Inc. or calling a lawyer.  After all, you ‘don’t want to hurt the other driver, […]

$100,000 FOR OFFICER INJURED BY UNINSURED VEHICLE

How an officer’s personal auto insurance saved the day after being injured by the driver of an uninsured motorist who fled during a traffic stop.

A simple fact: many officers are still unaware that their personal auto insurance provides coverage for on-the-job injuries caused by cars in a wide array of ways, such as pursuits, crashes during emergency responses, pedestrian strikes on a road detail, and during traffic stops, as you will see here.  This coverage was especially important to […]

DON’T WORRY ABOUT PRIOR CONDITIONS

Attorney Steven Ballin

A police officer injured on duty can make a valuable claim against a negligent third party, even when the current injury involves a body part injured or operated on in the past or has been chronically problematic.  It is not unusual for an officer to re-injure a back, shoulder, knee, wrist, or ankle during an […]

DOES FLO KNOW ABOUT THIS?

You might be surprised by this strategy Progressive used to leave its customer high and dry after we filed a lawsuit.

Progressive Insurance has one of the most visible advertising campaigns in the U.S. and promotes themselves as a top-notch insurance company committed to customer service at the highest level. But in the real world, Progressive sometimes employs a strategy that leaves its customers high and dry when they get sued. We are handling a case […]

I WAS IN A CRASH WHILE RIDING IN AN UBER CAR. WHOSE INSURANCE PAYS?

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As the use of Uber becomes more and more common across the country, so do crashes involving Uber drivers. In that situation, will the driver’s personal auto insurance cover any injuries or property damage caused by the crash? In general, the driver’s personal auto insurance will not provide coverage for any “driving for hire” activities […]

$500,000 FOR INJURED EMPLOYEE FROM EMPLOYER WHO LET ITS WORKERS COMPENSATION INSURANCE LAPSE

If the Court dismissed our lawsuit, there would be no deterrent to employers who choose to let their policies lapse, leaving their employees unprotected.  We did not let this happen.

A 55 year old worker suffered second and third degree burns to his foot at work while cleaning heavy equipment with a high pressure steam power washer.  His employer had no workers compensation insurance at the time; the policy having been cancelled for non-payment of premiums months before.  The employee hired us after months of […]

“FULL” COVERAGE FAQ

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FAQ: Should I increase the limits on all cars which I own? Yes, we recommend you do and here is why.  Assume you own and insure two cars in your name. One car is insured with increased optional limits for Uninsured and Underinsured Motorist Coverages of $250,000 per person.  Your other car is only insured […]