When most of us purchase comprehensive insurance, bundling homeowners and auto insurance, we believe we are fully covered for all accidents that might happen. However, even though insurance companies advertise with catchy phrases that promise full coverage and protection, a close look at the policy often shows that is not true. Insurance companies often use tricky language that write exceptions into policies that allow them to deny coverage. And then we're stuck with paying for damages we expected to be covered.
Most Americans are aware of HIPPA regulations and the fact that our medical records are protected by law as private. A person or corporation needs a medical authorization to gain access to a medical record.
Recently, a gentleman called our office because his wife had fractured her arm in a boating accident. He said that he and his wife made a claim with Progressive Insurance Company and were assured by the Progressive adjuster that a fair settlement could be reached without the need for attorneys to be involved. Ultimately, Progressive offered to pay $5,000 for medical bills and 50,000 for her pain and suffering. He and his wife felt that the offer was fair, settled the claim with Progressive and signed paperwork releasing Progressive and the at fault person for any future claims.
Charles M. Rittgers, pictured here with a local treasure hunter, recently resolved a case prior to trial for the maximum policy limit of one-million dollars. The metal-detector in this picture was used to find the motorcycle's headlamp that detached during the crash. The headlamp flew into a nearby soybean field and was not found by the police or accident reconstructionist experts after the crash. Retrieving the headlamp, which was a daytime running light, ended the argument the motorcycle was not plainly visible.
UberCab, now known as Uber, began in 2009 by founders Garrett Camp and Travis Kalanick in San Francisco. Over the years, the company has increasingly gained popularity with Millennials as a form of transportation and a convenient way to avoid DUIs. There are over three million Uber drivers in more than 600 cities.
The Ohio Department of Insurance provides the following guidelines to help you decide if paying for the extra insurance is right for you.
One of the first things we obtain following a car crash is a copy of our client's automobile insurance policy. People frequently tell us that they have "full coverage" despite not having critical protections for their family. The misconception begins with Ohio law and insurance agents.
As you read your homeowner's insurance policy one thing that you will inevitably encounter are terms referencing other terms, referencing definitions, referencing back to other terms (never mind all of the exclusions). It can be maddening. A logical next question is whether these definitions are there to exclude coverage, or simply to define coverage. While our previous discussion about exclusions should give you some peace of mind that anything not specifically excluded should be covered under Ohio law, courts are instructed to read policies in their entirety, and not to ignore one part of a policy to the benefit of another.1 Courts must "give meaning to every paragraph, clause, phrase and word."2
Reading your homeowner's insurance policy can be a daunting task. The policies often feel intentionally designed to get you not to read them. One reason might be so that you do not realize all the occurrences that happen in your daily life that may be covered. This primer is designed to go over some basics of reading your policy and ensure that you start maximizing the value that you get for diligently paying premiums.
A recent Ohio motorcycle case highlights the importance of your motorcycle insurance coverage