130 Search Results for insurance and coverages

March 29, 2010 at 8:30 pm

West Virginia Auto Insurance Coverages

...s in handy! 6. Personal and Commercial Umbrella’s: You can get much larger coverages which serve as an “umbrella” over your other coverages. To qualify, you must meet your carrier’s “minimum coverage requirements” for your various policies. Once you do that, you easily have $1,000,000 of liability, U.I.M and U.M. coverage, or more. In one recent case of mine, that coverage made the difference between financial recovery and financial ruin for my cl...

September 17, 2010 at 8:29 pm

Various Insurance Coverages – Limiting the Loss

...ability coverage! My client has no “medical payments” coverage, no medical insurance of his own, and no “personal umbrella” to supplement his various basic coverages. What does this mean? Read on. Auto Coverage: 1. Personal injury liability: minimum limits in WV $20,000 per person, $40,000 per occurrence. 2-4 days in the hospital will exhaust this, so I suggest at least $200,000 – $600,000. Your personal net worth also effects this since I assume...

March 15, 2014 at 1:50 pm

FAQ

...aim against you by an injured third party. Underinsured and Uninsured Auto Insurance Coverages, and “Personal Umbrella Coverage”… Three Kinds That Many People Do Not Understand There is a great deal of ignorance about three types of insurance coverage, “underinsured claims”, “uninsured claims, and “claims under a personal umbrella”. This FAQ will just “scratch the surface”. Underinsurance and uninsurance are purchased so you can file a claim again...

March 15, 2014 at 1:50 pm

Insurance Law

...s of experience. I have a successful record of helping clients involved in insurance coverage disputes and insurance bad faith claims. Has your insurance company unreasonably delayed or denied payment of covered claims? Have they retroactively cancelled your insurance? Did they fail to defend you against a lawsuit or fail to settle within the policy limits? Did they accuse you of setting your home or car on fire to collect the insurance or sell yo...

January 24, 2018 at 9:43 pm

A Personal Injury Glossary: Negligence, Insurance, and the Rest

...f you have a “personal umbrella”. 6. Personal Umbrella: Think of “umbrella insurance coverage” as coverage that hovers over your other coverages in order to provide an extra level of protection. A condition of coverage is for you to carry robust limits in your underlying (auto, homeowners’) policies. In return, you can have an additional coverage of $1,000,000 or more. It is a great bargain for persons with assets to protect. For more information...

May 20, 2020 at 9:17 pm

Auto Insurance Roulette: Is is Worth the Gamble?

...ay anything except inane “general”ities? Of course not! He’s there to sell insurance, not to explain insurance. He’s USAA’s cheerleader, not its teacher. You should see what I see as the lawyer of an innocent passenger or driver. His or her life is turned upside down, sometimes literally! My job is to turn it right side up and get her, him, or them a fair result. Perhaps my client was a passenger, free of all fault, or a driver crossing a four-lan...

April 3, 2014 at 8:41 pm

Table of Contents

...age of time since this was posted … 2010/10/01 2010-10-01 19:57:00 Various Insurance Coverages – Limiting the Loss I am reissuing this post from Sept., 2010 because I have again met a client who was injured by a … 2010/09/17 2010-09-17 20:29:00 I Have Been Hurt by a Negligent Driver, What Can I Claim? My new personal injury clients often tell me, “All I want is my medical bills paid.”. We can do that, … 2010/09/16 2010-09-16 21:23:00 Comparative F...

March 15, 2014 at 4:23 pm

Preparing to Meet with Your Personal Injury Attorney

...to your injuries Name and contact information for your insurance company, insurance agent and any other insurance representatives you have talked to A copy of your accident report Copies of written statements Applicable insurance policies: homeowners, renters or automobile Health insurance documents, including your policy or coverage information Disability insurance documentation Veterans insurance policy Any other documentation, including hospit...

January 22, 2016 at 10:20 pm

An Article to Bookmark: Until Your World Comes Crashing Down

...es and how to protect yourself from ruin. http://hunterlawfirm.net/various-insurance-coverages/; and http://hunterlawfirm.net/buy-a-1000000-umbrella/ So, it was a bad one and now you do not know what to do. You or your spouse is in the hospital. If he is a worker, his paycheck may stop. If a small business person, who will make or sell your product, or pay your employee? Who do you call first? Will your own insurance carrier protect you. What if t...

January 12, 2016 at 5:55 pm

Hire the Lawyer Who Hates Insurance Adjustors?

...ry-blah-blah/ http://hunterlawfirm.net/the-chinese-curse-may-you-have-a-mild-closed-head-injury-and-what-if-it-happens-to-you/ http://hunterlawfirm.net/various-insurance-coverages/ http://6.http://hunterlawfirm.net/what-sue-my-employer-deliberate-intent/...