Personal Injury Blog
Auto Accidents and State Requirements
Car or auto accidents are common causes of personal injuries which may potentially lead to lawsuits or claims for pain, suffering and loss.
There are various fundamental things to learn about auto accidents especially since each state has different legislation applied.
In its basically important to understand that in suing an automobile driver on grounds of personal and physical injuries, you need to prove negligence.
In most states, lost wages as well as medical costs require payment regardless if the accident is due to negligence of the other party.
According to the law, all drivers are obliged to safely operate their automobiles or vehicles at all times. This is a legal duty of the auto driver.
Umbrella Insurance… With UM/UIM… What Is It? Do I Need It?
Umbrella Insurance? What is it?
In the simplest of terms, “you don’t have to be a millionaire to be sued like one.”Contrary to popular belief umbrella policies are not just for the wealthy. Like an umbrella that protects you from the rain, an “excess liability policy,” commonly known as an umbrella policy provides an extra layer of insurance for coverage over your standard liability policies for covered claims.
An umbrella can protect your existing personal assets, your earnings and future earnings. If you were to lose a lawsuit, in excess of your auto and home liability limits, you would likely have to pay the winning party for pain and suffering, medical expenses, lost wages, etc. Even if you have no assets your wages can be garnished.