Personal injury is the frequent and unfortunate result of many accidents. Immediate medical treatment of your injuries is imperative. Yet, the ensuring feud between your insurer and the liable party’s insurer does not really aid your recovery – and it’s certainly not getting your medical bills paid. The skilled litigators at Nager, Romaine & Schneiberg Co., LPA make insurance companies take notice of Ohio’s Coordination of Benefits (COB) law, cutting through the squabbling, and getting you peace of mind that coordinated insurance coverage brings.
One of the most disturbing issues when dealing with insurance companies in the aftermath of an injury is the bickering between insurance companies over who is the primary insurer. Despite the parties having paid premiums, the insurers frequently withhold funds for medical care, leaving you open to bill collectors. Our Ohio personal injury attorneys deal directly with medical service providers and insurance companies on your behalf to get you the medical care you need. We additionally make sure the medical bills have been discharged before your lawsuit is concluded.
Ohio law defines COB as follows:
“The order of benefit determination rules govern the order in which each Plan will pay a claim for benefits. The Plan that pays first is called the Primary plan. The Primary plan must pay benefits in accordance with its policy terms without regard to the possibility that another Plan may cover some expenses. The Plan that pays after the Primary plan is the Secondary plan. The Secondary plan may reduce the benefits it pays so that payments from all Plans does not exceed 100% of the total Allowable expense.” Ohio Rev. Code §3901-8-01
In plain language: your primary insurer pays as much as possible according to the terms of the insurance policy. Then, if there are more costs that need to be covered, the secondary insurance company pays the rest, as long as the policy terms permit such a payout.
Depending upon the terms of your policies, you may be required to reimburse your insurers for medical expenses once you recover compensation as part of your Ohio personal injury lawsuit.
The Ohio General Assembly passed legislation (HB 278) that will increase the statutory minimum financial responsibility limits for auto insurance.
The Ohio Association for Justice was the lead advocate for the legislation. Joining OAJ in support was the Ohio Insurance Institute (the property-casualty insurance trade group) and the Ohio State Bar Association.
The current minimums of $12,500 for one person injured in an accident, $25,000 for all persons, and $7,500 for property damage will increase to $25,000/$50,000/$25,000 under the new law. The increase in Ohio's minimum auto insurance coverage is the first since the 1960s and brings Ohio in line with a majority of states. The increase is expected to cost the average consumer an additional $2-$3 in premium per month.
The attorneys at Nager, Romaine & Schneiberg applaud the efforts of those who have championed this cause as the existing state minimum coverage falls far short of covering the damages caused by even minor motor vehicle accidents.
The increase will take effect nine months after the bill becomes law.
October, November and December are the most likely months for Ohio Motorists to encounter a deer on the roadway. Unfortunately, many deer strikes leave the motorist injured, with property damage and no insurance coverage. The only coverage that may help when you strike a deer is comprehensive/collision (to repair your automobile - less your deductible) and medical payments which can pay medical bills, co-pays and deductibles not covered by private health insurance.
Deer strikes can cause serious injuries so aside from the out of pocket costs of striking a deer, Ohio motorists are smart to follow a few rules to help reduce your chance of striking a deer on the roadway or sustaining injuries when encountering an animal in the roadway.
- Be aware of your surroundings and drive defensively at all times;
- pay attention to signs warning of the presence of deer in an area;
- pay particular attention around sunset and sunrise;
- do not overreact if you encounter a deer (or other animal) in the roadway. Often times motorists swerve out of their lane and are seriously injured by colliding with other vehicles, trees, buildings, etc. It is often the best course of action to brake hard, sound your horn with multiple short blasts and stay in your lane even if that means hitting the animal; and
- if you hit an animal on the roadway, be cautious about approoaching the animal after the collision. Often times motorists want to check a deer or other animal on the roadway if they strike it, that is human nature. But a wounded animal is a dangerous animal and if you are on the roadway you are at risk of being hit by another motorist. It is best to pull your vehicle safely off the road and call for help if you need it.
Below is a link to an article discussing the frequency of deer strikes state by state and some interesting facts about the costs of deer strikes from the insurance industry. Be careful on the roadways this Fall.
Following an automobile accident, you or a loved one are typically taken or go to an emergency room. The hospital is willing to treat you but wants to get paid as much as it can for the bill. Even though someone else caused your accident and should be responsible for your bills, rest assured that the other guy’s insurance company won’t pay the hospital’s bills right away. The hospital will ask you if you have health insurance or your own automobile insurance coverage and will ask you to provide your insurance information. The hospital wants to bill your automobile insurance first because it pays 100% of their bill up to the coverage limit. Your health insurance, Medicare or Medicaid will only pay a percentage of the bill (20-40%) depending on the contract your health insurance carrier has with the hospital or doctor. If or when this happens to you, only give the hospital your health insurance information, NOT your automobile insurance information. Save your automobile medical payments coverage for deductibles or co-pays. This makes your health care dollar go further and helps you to pay all of your medical bills from an accident. Remember, do not give your automobile insurance information to the hospital, only give your health insurance information and insist that the hospital submit your bills to YOUR health insurance. Later in your case the at fault party will be required to pay your medical expenses (provided you effectively prove that the other driver was at fault and your treatment was reasonable and necessary to treat injuries caused by the at fault party). At that point your health insurer will be reimbursed what it paid on your medical expenses from the proceeds of your case. This is through the process of subrogation which subject will be dealt with in subsequent NRS Injury Law blogs. You should also feel free to contact us at any time with any questions. Please contact an NRS attorney toll free at 1-(855) Got-Hurt or 1-(855) 468-4878. - See more at: https://nrsinjurylaw.com/blog/pitfalls-to-getting-your-hospital-bills-paid-after-an-automobile-accident/#sthash.oPodqD3R.dpuf
When pursuing a claim for injures suffered in a car accident, the auto insurance companies will want to talk about the reasonable value of medical services. Isn’t this just what the hospital or other medical provider charges for their services? Not always.
Medical providers will often accept less than the full amount of the medical bills when those bills are paid through health insurance. This is typically a matter of contract between health insurance companies and hospitals. Given the amount of business they do together, hospitals will often agree to accept less than the amounts they charge for services when health insurance is paying the bills. For the person without health insurance to pay the medical bills, however, he or she is on the hook for the full amounts.
In presenting an insurance claim for injuries and the medical bills needed to treat those injuries, it used to be that only the medical bills themselves mattered. At trial, a jury was only allowed to see those total medical bills, not the smaller amounts that health insurance actually paid. With the decisions of the Ohio Supreme Court in the cases of Robinson v. Bates, Jaques v. Manton, and just this month in Moretz v. Muakkassa, however, Ohio juries may now see those lower amounts paid by health insurance when determining the reasonable value of medical services. In effect, defendant drivers and their auto insurers now benefit from injured individuals’ health insurance and the premiums they pay for that coverage. In its most recent decision, the Ohio Supreme Court held that the defendant does not even have to produce an expert to explain to juries WHY the hospital would accept less than the full amounts for medical bills; jurors are simply shown both numbers—the full medical bills and the lower amounts accepted—and asked to determine reasonable value of the medical services.
This explains why auto insurance companies are so concerned with health insurance and the amounts actually paid to the medical providers rather than merely the medical bills themselves. They know that, in the event the claim eventually goes to trial, the jury will get to consider those lower numbers in determining how much to compensate an injured party for the reasonable value of his or her medical services.
To learn more about this subject, see our website practice area page for Auto Accidents.
You are probably aware that you need auto insurance to drive in Ohio, but how do you choose how much and what kind? You must carry at least the minimum liability coverage under Ohio’s Financial Responsibility Law. However, this bare minimum may not be enough to cover the full amount of damages sustained in a major accident or in a crash involving an uninsured driver. Of course, with each new policy you add, you also increase your monthly insurance premiums.
Before talking to your insurance agent, learn more about your options, so you can get what you need but still avoid the hard sale. The Guide to Automobile Insurance from the Ohio Department of Insurance (ODI) is a useful resource when you’re shopping for the right policies.
To comply with Ohio’s Financial Responsibility Law, all new policies of auto insurance in Ohio must be issued with the following limits:
Since this change to minimum limits is just going into effect for new policies and renewals, some Ohio drivers will still have policies applying the old minimum limits. Going forward, all new policies and renewals will apply higher limits.
Consider whether to purchase other types of optional coverage, such as:
If you have questions about your rights to compensation under your insurance contract, consult with a Cleveland personal injury attorney with experience in auto accident recovery.
You have been involved in an accident. The insurance company makes you an offer. What do you do?
First, recognize that insurance companies are businesses with the purpose of making money. They do not have your best interests at heart. Next, learn their tactics so you can beat them at their own game.
The American Association for Justice lists tricks of their trade. These methods can cost you your rightful compensation if you don’t take action to counter them:
Don’t sign away your rights. Make sure you are recovering your rightful damages for your claim and that you are being treated fairly following your claim.
A northeast Ohio insurance law firm can explain how you can successfully compete in the insurance game.
While the automobile insurance companies flood the airwaves with clever commercials and catchy jingles about their low rates, accessibility, and commitment to “being there” for their customers, the reality is a much less personal, more anonymous, and an entirely bottom-line profit-maximizing business model, when it comes to claims adjusting, that far too often boils claim evaluation down to, “Don’t like it? So sue me.”
One of the most common complaints amongst our clients who have suffered injuries as the result of auto accidents is that they end up being made to feel more like a wrongdoer than a victim. This is especially common in claims like the ones on which this CNN article focuses – i.e., those accidents involving relatively minor property damage to the vehicles, but still resulting in injuries (http://www.cnn.com/2007/US/02/09/insurance.hardball/). The insurance companies know and love the popular misconception that only catastrophic or "serious" car crashes can cause real bodily harm, despite the countless cases where the impact of cars colliding (even at low rates of speed) causes damage to the people inside even when the bumpers do their job in protecting the cars (and insurers) from major damage (i.e., repair costs). For these lower impact accidents, insurance companies scoff at medical records and doctors’ opinions as to degree of injury, with insurance adjusters often relying instead upon their own “medical expertise” to determine that the resulting injuries couldn’t possibly be so severe as what the medical evidence says. In other words, the accident victim must be lying. Adjusters are trained to evaluate low impact accidents where treatment goes beyond 6-8 weeks as being medically unnecessary without any further consideration.
Insurance companies will frequently make a play to offer nominal settlement amounts to victims of their customers’ driving mistakes as soon as possible to avoid having to pay more if/when the injuries turn out to be more serious than just a bump or a scratch, which is especially common with the types of spinal injuries that often result from car accidents. And if you think that initial offer was unreasonable? Tough. An insurance company gets no benefit out of paying more or paying earlier. So the mantra becomes, "deny, delay and defend." (http://www.cnn.com/CNN/Programs/anderson.cooper.360/blog/2007/02/insurance-companies-fight-paying.html); (http://www.cnbc.com/id/36178055).
While popular opinion seems to be unkind to those individuals who hire lawyers to pursue insurance claims and take these insurance companies to court, what other options do the insurance companies give victims in these kinds of claims? As the CNN article poses it, the position has increasingly become, “Take it or leave it...” or, perhaps more accurately, “Take it or spend time, money, and energy fighting for more.” That uphill battle for fair compensation is a tough pill to swallow for anyone who’s already suffered due to a car accident. It’s unlikely to change anytime soon, but articles like this CNN report help raise public awareness regarding what those “good hands” and “good neighbors” are really up to, aside from collecting premiums.
If you or a loved one are injured in an automobile collision and are getting this kind of run around from an insurance adjuster, call the attorneys at NRS Injury Law.
Oh no! You’ve been in a car accident. Thankfully, no one has been injured. Unfortunately, your car hasn’t been as lucky. It’s pretty banged up, and with each passing moment, you fill with dread as thoughts swirl through your head – how much will this cost to repair, will my car have to be replaced, what will I drive in the meantime? One thought brings you comfort in this most dire of circumstances – I HAVE CAR INSURANCE. You quickly scramble to find your policy, buried somewhere in your glove compartment beneath a barrage of children’s toys, fast food napkins, and other odds and ends, but give up quickly, resorting to your trusty smart phone for help – it will have the answer, you think. Siri directs you to this website, and there it is, exactly what you need, a blog post with all the answers to quell your restless mind. You kick back with a cold beverage as you read on.
In dealing with vehicle damage following a motor vehicle accident, your insurance policy can protect you from two different angles: property damage liability coverage and physical damage coverage. The former protects you against potential third parties. In the event your car causes damage to another person’s property, your property damage liability coverage will pay for the damages. The latter is based on your contractual relationship with your insurance company. It can be broken down into two kinds: collision and comprehensive. In the event of a car accident, collision coverage pays for repairs to your vehicle, regardless of who caused the accident. Comprehensive coverage pays for those losses attributable to non-accident related incidents including, but not limited to, theft, fire, and vandalism. It should be noted that collision and comprehensive physical damage coverage can be sold separately or as a package deal. Additionally, physical damage coverage is NOT required by law, but if you do not have this type of coverage, you run the risk of paying out of pocket for repairs or replacement should anything happen to your vehicle.
Repair vs. Total Loss
Your vehicle will either be repaired or considered a total loss, depending on the severity of the damage to your vehicle. If the repair option is viable, an estimate will be prepared. Estimates are sometimes based on the use of after-market parts. An after-market part is a part that is new, but one that is not made by the manufacturer of your vehicle. If an after-market part is used in the preparation of your estimate, this fact must be disclosed to you. The use of after-market (or generic) parts has been controversial as these parts are sometimes believed to be inferior or may not fit like those parts made by your vehicle’s manufacturer. If you do not want after-market parts used, you can opt for parts made by your vehicle’s manufacturer, but you must pay the difference in price. If it will cost you more to repair your vehicle than replace it, your vehicle will be considered a total loss. If you are in a total loss situation, there are two options: replacement and cash settlement.
The deductible comes into play whether it is a repair or total loss situation. The deductible is the amount of money you pay out of pocket on each claim. In terms of recovery of a deductible, Ohio’s Administrative Code §3901-1-54(H)(10) states as follows:
An insurer shall include the first party claimant's deductible, if any, in subrogation demands. The insurer shall share any subrogation recovery received on a proportionate basis with the first party claimant, unless the first party claimant's deductible has been paid in advance or recovered. The insurer shall not deduct expenses from this amount except that an outside attorney or collection agency retained to collect such recovery may be paid a pro rata share of his expenses for collecting this amount. (Emphasis added.)
In layman’s terms, should an insurance company be successful in their subrogation efforts, an insured is entitled to a share of the recovery received unless their deductible was paid in advance or recovered.
The use of a rental vehicle depends on which insurance company the claim is being made against. If the claim is being made against the other driver’s insurance company, that company should pay for the use of a rental vehicle for a reasonable amount of time while your vehicle is being repaired. If your vehicle is a total loss, the other driver’s insurance company is NOT required to pay for the use of a rental vehicle, but may do so as courtesy. If the claim is being made against your own policy, payment for the use of a rental vehicle is dependent on whether you have rental reimbursement coverage. If you have paid the premium for rental reimbursement coverage, you will be able to utilize a rental vehicle. Even so, there will likely be a limit on rental payments. You should look to your policy for specifics, especially for information regarding coverage of your rental vehicle.
The information contained on this page can be found in greater detail on the Ohio Department of Insurance’s website. For more detailed information on rental reimbursement coverage, please click here.
If you would like more information on deductible recovery, including a breakdown of the law in all 50 states, call the Cleveland auto accident attorneys at NRS, toll-free 24/7 at 1.855.GOT.HURT (1.855.468.4878) or contact us by filling out our No-Risk Consultation form.
A bill enacted in December 2015 by the Ohio General Assembly establishes uniform insurance requirements for transportation service companies, including Uber and Lyft. The law will become effective on March 23.
Public adoption of Transportation Network Companies (TNCs) such as Uber and Lyft has steadily increased in recent years. As this has occurred, many state lawmakers have come to believe that Ohio’s decades-old regulatory code must be changed in order to ensure that TNC drivers and passengers are protected from additional risk.
Typically, TNCs cover their drivers with commercial insurance during times when they are in route to pick up a customer, and when a customer is in their vehicle. However, TNCs often don’t cover drivers leading up to that point — i.e., when they are logged into the company’s application, but have not yet accepted a customer. Potentially, this allows TNC drivers to drive uninsured while performing a commercial activity.
HB 237, sponsored by Reps. Bob Hackett (R-London) and Mike Duffey (R-Worthington), rectifies this by addressing specific gaps that exist in the way TNCs are insured and regulated.
The legislation amends the Revised Code “to regulate transportation network companies and transportation network company services and to exempt an insurer that provides motor vehicle liability insurance from the requirement that it provide financial responsibility identification cards to a policyholder if the insurer provides the ability to use an electronic wireless communications device to provide proof of financial responsibility.”
Click here to view HB 237
HB 237 requires Transportation Network Companies such as Uber and Lyft to maintain $1 million liability insurance coverage and conduct background checks on their drivers. The law also applies to self-employed drivers.
HB 237 establishes two phases of insurance coverage: 1) the time before a passenger requests a ride, and 2) when a passenger is connected to a driver or in the vehicle.
Additionally, HB 237 requires TNCs to:
A committee amendment added further disclosure requirements in certain situations, including following an accident in order to allow insurance companies to determine coverage. The amendment also requires that insurance coverage required by TNCs meets an “A” rating by independent rating agencies.
The Ohio Association for Justice (OAJ) supports HB 237, and we at Nager, Romaine & Schneiberg do as well.
Many Ohioans have embraced the convenience and responsiveness of services like Uber and Lyft. HB 237 allows these services to grow and become even more available while ensuring uniform insurance coverage and safety standards.
The attorneys at Nager, Romaine & Schneiberg Co., L.P.A. will continue to actively monitor legislation that affects Ohio consumers and businesses. For more information, please contact us today at 216-289-4740, Toll Free at (855) Got-Hurt, or by filling out our No-Risk Consultation form.
As we work our way through the first quarter of 2016, we wanted to highlight two timely trends that may likely impact workers’ compensation this year—and possibly for years to come.
Politics: How Might The 2016 Election Impact Workers’ Compensation Laws?
Well, things certainly have gotten interesting in the 2016 presidential race…
The primary season, once viewed as a mere formality for Democrats, has turned into a battle of attrition between two tough-nosed competitors, the once-presumptive nominee Hillary Clinton and the hard-charging Bernie Sanders. Meanwhile, Donald Trump has shaken the Republican establishment to its core, and that story, while certainly incomplete, may prove to be one of the more compelling ones in American political history.
From our perspective at Nager, Romaine & Schneiberg Co., L.P.A., we take a keen interest in how all this affects workers’ compensation laws. And depending on who prevails in November, effects will be felt.
Currently, 11 states elect insurance commissioners, while 39 have appointed insurance commissioners. Additionally, 12 gubernatorial seats are to be decided in the November election. The industry should take heed, as these changes can significantly influence the workers’ compensation market.
As the political wheel churns, business groups will advocate for new laws governing the practice of consumer litigation funding. It’s been reported that at least 15 states will consider whether to treat money for personal injury lawsuits as loans, similar to a measure already on Colorado’s books, according to Andrew Wynn, senior director of state legislative affairs at the U.S. Chamber of Commerce’s Institute for Legal Reform.
Meanwhile, the Affordable Care Act Cadillac tax extension has been pushed to 2020. But health reform will likely be revised by a new president. And given the more than $700 billion in mergers and acquisition activity last year by pharmaceutical and health insurers, industry consolidation within the scope of the ACA will likely continue.
Will we begin to see the involvement of the federal government in state workers’ compensation systems? Some say we may, and they point to an n October 2015 letter penned by 10 high-ranking Democrats on several important Senate and House committees. In this letter, the lawmakers asked the Department of Labor to conduct a critical review of state workers’ compensation systems.
While this may signal such a trend, there are those who argue that the federal government already has its hand in workers’ compensation. The Occupational Health and Safety Administration impacts workers’ compensation in several ways. And, the Medicare Secondary Payer Compliance is a federal law that affects the workers’ compensation system.
Potential interest by federal lawmakers on having a hand in workers’ compensation may be traceable in part to the broad differences in benefits between states. Additionally, Social Security could play a role as well; specifically, workers who are permanently disabled migrate off workers’ compensation and onto Social Security disability. Given solvency concerns surrounding Social Security, lawmakers may look for strategies that can help to keep long-term workers’ compensation claims away from the federal government. Stay tuned.
The attorneys at Nager, Romaine & Schneiberg Co., L.P.A. will continue to actively monitor legislation that affects Ohio consumers and businesses. In the event you are hurt at work, or terminated after reporting a workers' compensation injury, you need to seek immediate legal advice. Contact the Ohio workers comp lawyers at NRS Injury Law by filling out our No-Risk Consultation form, or call (855)GOT-HURT and speak with one of our trained staff members.
Roads throughout Cleveland and other Ohio cities are filled with thousands of vehicles all jockeying for position in the course of traveling their intended routes. If you’re part of that mix, it’s likely that you’ve encountered aggressive or even reckless drivers through the years—drivers tearing and weaving through traffic at unsafe speeds, tailgating, passing on the berm and ignoring street lights, stop signs and other road markers.
Such aggressive/reckless driving can cause angst among any or all drivers involved, and in some cases, negative interactions between drivers can spiral beyond crude hand gestures and strong verbal insults into “road rage”—in other words, incidents that feature threats, violence, actual vehicle damage, personal injury, or some combination of all the above.
The term road rage was first coined around 1994 in London, England. Three years later, the Oxford English Dictionary began listing road rage, defining it as "a violent anger caused by the stress and frustration of driving in heavy traffic." In today’s high-speed, high-stress world, road rage occurs with growing regularity on roads throughout Ohio. It is a serious and constant threat.
Understanding Ohio Laws
When we talk about road rage, it’s important to understand Ohio’s laws with regard to reckless and aggressive driving—and road rage. The definition of reckless operation in Ohio is intentionally vague, but it encompasses any vehicle operation that disregards the safety of other drivers, passengers or pedestrians, or both public and private property. Many routine moving violations can easily be enhanced to operating with willful or wanton disregard in Ohio—a.k.a., reckless driving.
As for road rage, the Ohio State Patrol states on its website, “The term Road Rage was created in the popular media to describe emotion-based reckless, aggressive, and intimidating driving. There is no specific offense in Ohio Law entitled "Road Rage," but the actions which are labeled "Road Rage" are specific offenses. Among these are: menacing; reckless operation, impeding, and assault, to name a few.”
If you have been involved in a road rage incident, you may wonder whether you can sue the person who perpetrated the incident. Assuming that you can properly identify that person, it is possible that you have a viable personal injury, personal property claim or other action that can allow you to obtain compensation for injuries, lost wages, property damages and other damages inflicted, depending on the specific factors and circumstances. An experienced attorney can evaluate the merits of your case, sort through the many details of the incident, and if a claim is warranted, represent your vital interests.
How Road Rage Can Affect Your Insurance
There are some unique coverage issues raised by road rage incidents that must be handled carefully by an experienced attorney. Specifically, intentional acts would likely void insurance coverage. Insurance covers acts of negligence—not intent. Typically however, road rage causes drivers to act recklessly, and although they may intend to incite the other driver, they typically do not intend to cause impact between the vehicles. This distinction must be factually maintained in order to preserve insurance coverage.
For that reason, clients injured by a road rage incident would be wise to consult with an attorney before giving a statement to any insurance company representatives.
No Cost Evaluation
We encourage you to avoid road rage incidents at all costs (see our Resources section below for tips on avoiding road rage). However, if you, a family member or a friend has been involved in a reckless operation or road rage incident, you need to seek immediate legal advice. At Nager, Romaine & Schneiberg Co., L.P.A., our road rage attorneys may be able to help you pursue compensation for the pain and suffering that you have been forced to endure—and we can help you preserve your insurance coverage to the extent possible. The experienced road rage lawyers of NRS have handled a variety of reckless operation and road rage cases over many years; we fight side by side with victims to make sure they and they families receive compensation for negligence that caused them to be hurt—and make sure their insurance remains active.
In the event you or a loved one have been involved in a reckless operation or road rage incident, contact the Ohio road rage attorneys at NRS Injury Law by filling out our No-Risk Consultation form, or call (855) GOT-HURT and speak with one of our trained staff members.
How to avoid becoming a road rage victim*
There are several strategies you can use to minimize the potential dangers of road rage, including:
* Excerpted from Frequently Asked Questions on the Ohio State Patrol website.
Making a New Year’s resolution is a time-honored way of setting out to better your life in the coming year. In addition to your physical health, this is a great time to consider your financial health overall, and in the event of an unforeseen incident. Obtaining and maintaining proper insurance coverage is vital to your physical and financial well-being.
Shocking as it sounds, the number one cause of bankruptcy in the United States is medical bills. When you are suddenly injured or fall ill, the medical bills can quickly reach into the tens of thousands of dollars—or more. Unfortunately, holding a negligent party responsible can be an essential part of ensuring proper medical care and avoiding substantial medical debt.
On the other side of the coin, if someone gets hurt on your property or otherwise at your fault – Proper liability insurance is essential. Nobody wants to think they are going to get sued! Unfortunately, it happens far more often than you may think.
Whether as a result of an auto accident in which you were at fault, or because someone was injured on your property, the possibility of a costly lawsuit is a real one. Fortunately, you can protect yourself with a strong umbrella policy. An umbrella policy will cover your potential liability from a variety of sources, letting you live your life free worry free!
If you are considering your financial state, don’t forget to take a close look at your insurances in 2019. If you are injured as a result of someone else’s negligence, contact NRS Injury Law today.