$190,000 FOR LEG BROKEN ON ICY DRIVEWAY
Just because there were record snowfalls, property owners are not excused from their legal responsibility to visitors of their property.
$400,000 FOR OFFICER INJURED WORKING STADIUM EVENT
Officers frequently work extra hours during details at events in order to financially support themselves and their families. Events such as concerts, sporting events and fairs which bring in large crowds must be kept under control by local police, especially when alcohol is served at the event. Officers frequently work these details at venues such […]
“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 […]
RECEIVING INJURY-ON-DUTY BENEFITS DOES NOT PROHIBIT POLICE OR FIREFIGHTERS FROM MAKING A CLAIM LIKE ANY OTHER CITIZEN
Like any other employee who is injured while at work, police and firefighters are authorized by the same laws, which provide for injury-on-duty wages, to bring claims for their injuries against the responsible third parties. Public safety officers are usually surprised to learn they can collect tens or hundreds of thousands of dollars to compensate […]
$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 […]