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

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

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 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 […]

DON’T WORRY ABOUT PRIOR CONDITIONS

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?

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?

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 […]

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

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 […]

“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 […]

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 […]