“FULL” COVERAGE FAQ

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 […]

DRUNK DRIVER COSTS BAR $475,000

Over the course of five hours, a bar serves one man ten to fifteen beers and three tequila shots before watching the man walk out to his car. Shortly after driving away from the bar around midnight, the man crosses over into oncoming traffic. A police officer sees headlights drift over the double yellow line […]

$123,000 FOR OFFICER INJURED IN FLEEING CAR PURSUIT

Prior to this officer’s injury on duty, he attended one of my twenty minute talks at a local meeting at his department, which proved extremely valuable.  During this talk, I explained changes police officers need to make to their personal automobile insurance policies in the event of an injury on or off duty involving a motor […]

UNDERAGE DRINKING PARTY COSTS PARENTS $125,000

The police arrive at a suburban home in response to reports of a late night underage drinking party where they find a crowd of 75 youths in and outside the home. Fearful mostly of what their parents will do if they are caught, the underage drinkers (…you guessed it…) run in all directions. The police […]

$299,000 VERDICT FOR OFFICER INJURED IN FOOT PURSUIT

It is after midnight in a rural section of town.  A concerned resident calls 911 to report a commotion and revving engines in a nearby storage yard.  Officers are dispatched to investigate.  Another 911 call comes in.  The resident now reports hearing glass breaking.  Officers arrive at the dark storage yard 100 yards off the […]

$3 MILLION FOR OFFICER WHO SUFFERED A HEAD INJURY

At last, the news media is filled with stories about professional athletes and soldiers who suffer traumatic brain injuries, raising the public awareness and understanding about these invisible injuries.   Missing from this discussion are the police officers who suffer traumatic head injuries in collisions, as well as in scuffles and falls.  Vehicle crashes are a […]