19 Search Results for umbrella.

June 3, 2012 at 11:17 pm

Buy a $1,000,000 Umbrella!

    $1,000,0000! Ok; my having to squeeze in 3 blog articles on a Sunday evening, with the last 100 laps of the Nascar race playing on the t.v in the background, is not exactly J.K. Rowling scratching out her masterpieces on the fire escape after her children finally went to sleep. My first post is the one prompted today by question from a Facebook friend who has actually read some of my blog. I encourage anyone who reads either blog...

January 24, 2018 at 9:43 pm

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

25 Personal Injury Related Definitions These are not “legal definitions”, nor is this legal advice, but it may come in very handy for you. 1. Negligence: a simple mistake. Travelling too fast, rolling through a stop sign, mistakenly turning head on into a “one way” street. 2. Tort: an injury one person does to another, sometimes as the result of negligence or gross negligence, and sometimes intentional. All are actionable, subject to comments...

September 17, 2010 at 8:29 pm

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 driver with limited insurance. Yep; $20,000 in medical bills, and serious permanent injuries, but the “tortfeasor” has just $20,000 per person total personal injury liability coverage! My client has no “medical payments” coverage, no medical insurance of his own, and no “personal umbrella” to supplement his...

March 15, 2014 at 1:50 pm

FAQ

General The Nature of My Practice Throughout my career, I have represented individuals or families. I often represent the “little guy” against someone hoping to exert influence over them. Whether my case is against a large insurance company, or abusive spouse, my goal is to get them a “fresh start” and a way out of their crisis. We will stand up to bullies, but where an honorable compromise is possible, I pursue it...

July 31, 2011 at 3:37 pm

Dear Personal Injury Client: Points to Remember

(Note: Feb. 10, 2012. J.B.H. This is straightforward, bread and butter, stuff that every one of us should have, since EVERYONE is a potential personal injury claimant. And if not you, a loved one will surely need this.) Typically, during our first interview or two, I learn a lot about your claim and injuries, and I tell you a great deal about the “rules” and the law. When you get home, however, most of what I told you is a blur, so...

March 29, 2010 at 8:30 pm

West Virginia Auto Insurance Coverages

The people of WV very much need a better understanding of auto insurance coverages. One of the most irresponsible ads on television is by Progressive Insurance. The gal with the “price gun” says, “Name your price, and we will sell you that policy.” So much for, “You get what you pay for.” The cheaper the policy, generally, the less coverage you get. I shall try to be concise. 1. Liability coverage: personal...

April 28, 2015 at 12:30 pm

WHAT YOU DO NOT KNOW (ABOUT INSURANCE AND SOCIAL SECURITY) CAN HURT YOU!

Two very important reminders in a sea of chatter and ignorance: 1. Your insurance protection; 2. Your Social Security benefits. These two tips can save you $50,000 in four years, and lifetime financial ruin.… I have posted before about the need of a person of any means, but especially someone who has accumulated some wealth to have a “Personal Umbrella” of $1,000,000 in coverage at least over and above your other policies....

January 22, 2016 at 10:20 pm

An Article to Bookmark: Until Your World Comes Crashing Down

Have you ever been struck from the side by a New York City garbage truck going 45 mph? I have. I was the right front seat passenger, and the truck came from the right as our driver failed to see the red light on the corner. Being from WV, we always expected the light to be overhead. Strangely, as I was in the eye of the tornado, my glasses came off and landed in the foot well, and one tooth was loosened, but I was otherwise unscathed. My...

September 24, 2015 at 5:43 pm

Suggestions for Operating and Marketing A Small Firm Efficiently and on a Budget

Except for a four year stint in a firm called the U.S. Air Force JAG Corp, I have been in firms of no more than 3 lawyers for 39 years. As a sole practitioner, I have 3-5 assistants . When a valued employee decided to become a stay at home wife and mother, I was pleased that we were able to stay just as efficient with four as we had with five. Now that my family law paralegal extraordinaire became Upshur County Assistant Administrator, it...

March 6, 2013 at 1:26 pm

Fundamental Precautions – Before and After Your Serious Collision

Folks; I am well aware that I sound like a nanny, but that’s what you are paying me for, or would pay me if I were your lawyer. This is for free. Please try to imagine; you are laid up at home, can’t go to work, wheelchair in corner, lying in that recliner, with your arm in a cast in traction and your leg in a large metal brace. Your spouse is frazzled and anxious. You can’t get the noise of the collision out of your head....