INSULATION CONTRACTOR CAUSES HOUSE FIRE & PAYS $1.6 MILLION TO INJURED FIREFIGHTER

The Smiths had enough of high heating bills.  They call Cramden Inc. for a free energy audit.  Cramden Inc. runs the free energy audit program for local utility companies.  Cramden Inc.’s energy specialist recommends installing blown-in cellulose insulation in the attic floor to limit heat loss from the living space below.  The Smiths sign a […]

$100,000 FOR OFFICER INJURED BY UNINSURED VEHICLE

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 […]

$100,000 FOR OFFICER INJURED IN HIT-AND-RUN DURING WELFARE CHECK

Elaina Bayless parks at local beach, gets high, and passes out.  Conducting a wellness check, Police Sergeant George Farrey sees Ms. Bayless’ unconscious body slumped over in the driver’s seat.  Sergeant Farrey bangs on the window, waking up Ms. Bayless.  Sergeant Farrey opens the door and notices a hypodermic needle on the console.  Ms. Bayless […]

$1 MILLION FOR OFFICER INJURED DURING DETAIL

The Acme employee arrived at the work site in a pickup truck with a front seat passenger.  They were towing a large enclosed trailer behind it.  Traffic in the eastbound side was shut down to avoid drivers continuing through the work site.  Officer Jones and other officers were on scene to re-direct traffic away from […]

$90,000 FOR OFFICER DRAGGED BY CARJACKER ON MUSHROOMS

Around 3:45 a.m., Gerald Stamby is high on mushrooms.  He wanders a busy local road on foot, trying to get into vehicles passing by.  Calls pour in to the police and Officer George Velmos responds.  Officer Velmos gets out of the cruiser and calls Stamby over to talk.  Stamby audaciously (or deliriously, for that matter) […]

$95,000 FOR OFFICER REAR-ENDED TWICE DURING SNOW STORM

During rush hour, Jacob Gomes takes a locally known shortcut to avoid traffic. Heading downhill and around a bend, Mr. Gomes does not account for the snowy conditions. Mr. Gomes crashes into the rear end of a police cruiser, which is stopped on the side of the road with its emergency lights on, tending to […]

$100,000 FOR INJURED OFFICER DESPITE INSURANCE DENIAL

Around 7:30 pm, wearing only his underwear, Raymond Bishop is high on mushrooms and out of control at his family home. Raymond’s parents call the police and go through the house collecting car keys; however, there is still a set of keys in his mother’s Jeep. Raymond runs outside and past the responding police officer, […]

$300,000 FOR OFFICER ATTACKED ON DUTY, SUFFERS PTSD

This case involves an all-too familiar scenario – the police are forced to handle a disturbed and out-of-control individual resulting in an injured officer. Drivers swerve around a young man walking around in a busy tunnel.  Shirtless and covered in soot, the young man is in obvious need of help.  A passing officer puts his […]

$47,000 FOR MASSACHUSETTS OFFICER INJURED BY DRUNK DRIVER

  Randall Jones spends the day drinking and gambling at the casino.  Just after midnight, Mr. Jones starts his drive home on a local highway.  Without warning, Mr. Jones suddenly attempts a left-hand turn directly across the path of a vehicle travelling toward him from the opposite direction with a green light.  Mr. Jones crashes […]

GOT “FULL” COVERAGE?

MASSACHUSETTS AUTO INSURANCE SELECTIONS PAGE WITH FULL COVERAGE Does this picture look familiar? It should – it is a copy of a Mass car insurance coverage selections page, and a good one to boot. We have highlighted four important Parts, which are often overlooked and, in our experience, not understood: Parts 3, 5, 6, and […]