When examining a potential insurance policy, you need to check on several things: Overall coverage, both for property damage and for medical. Gap coverage if your vehicle is financed. Uninsured/underinsured coverage. Deductibles on various events. Whether there is any umbrella coverage. One thing to ask your agent is what your rate would be if you increased your coverage amounts. The most...
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From The blog
Planning for the Needs of a Special Needs Loved One
Today's post, about how to care for a family member with special needs, highlights some very real issues and some important solutions. Estate planning is always important, but never more so when you have a child or relative with special needs. Barry Rosenfeld is a Chartered Financial Consultant and a Chartered Lifetime Assistance Planner who has years of experience helping families with many of...
I Got Hit By A Hit And Run Driver: What Now?
There are two things to do after a hit and run. First, you need to make a police report. Give the investigator any information you have about the accident, including the name and number of anyone who saw anything that might be useful. There are some bad consequences if the driver cannot be found. Law enforcement’s investigation can be cursory, short, and simply a shrugging of the shoulders if...
“What Facts Do I Need To Prove Before I Can Get A Restraining Order?”
“What Facts Do I Need To Prove Before I Can Get A Restraining Order?” The California Family Code lays out the grounds needed for a restraining order fairly specifically. (Civil, non-domestic violence restraining orders are not discussed here and are governed by the Civil Code.) The basis for restraining orders is actually quite broad, and only needs to be proven by “reasonable proof” of past or...
How Can An Attorney Help With My Medical Care After An Accident?
Sometimes it can be difficult to get the medical care you need after an accident, and the out-of-pocket expenses can add up fast. If you are not at fault in the accident, an attorney can help you find a doctor that will treat on a lien. What this means is that you agree to pay the medical bill out of the settlement money you will receive in your lawsuit. This can be particularly useful when you...
“I Was Served With A Restraining Order Giving Me No Visitation With My Kids: Can Anything Be Done?”
“I Was Served With A Restraining Order Giving Me No Visitation With My Kids: Can Anything Be Done?” One of the common requests made with a restraining order filing is that the restrained person have no visitation with minor children. This is a fairly extreme order, but is asked for quite often in cases where violence, abuse, or drug or alcohol problems are alleged in the papers. Because the...
What Is Accident Reconstruction?
Accident reconstruction is a process where experts determine the cause of an accident, assign fault, and also calculate force and direction of impact, which can be important for determining what injuries could be caused by the accident. The experts used for this are first, the accident reconstructionist. This is usually a mechanical engineer who is trained in using the physical evidence, such as...
What Documents Should I Get For My Attorney From My Accident?
There are several documents that are vital for you to bring to a meeting with an attorney about an accident case. First, you should bring your insurance policy---not just the insurance card, but the full policy if you have it. Second, you should bring the name and contact information for any insurance adjustors involved, either from your insurance or the other party’s insurance, including any...
What Is The Legal Minimum of Car Insurance In California?
California has quite low minimum automobile insurance coverage requirements: Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum Property Damage Liability Coverage: $5,000 minimum As you can see at a glance, an accident of any severity can easily go over these limits. If this is your coverage (and it might be, if you bought the cheapest insurance) then you do not...
GAP Insurance: Two Common Scams—GUEST POST
GUEST POST Today, as a follow up to our previous blog about GAP insurance, we have consumer attorney Kevin Faulk to talk about common GAP scams. Since 2006, Kevin has been helping consumers against businesses large and small. He has handled cases involving vehicles worth a quarter of a million dollars and computer products which cost a couple of hundred dollars. He has helped people fight...