Author Archive for Hodges Trial Lawyers

Tips for Grilling Safely this Summer

At Hodges Trial Lawyers, we try to not only keep you up to date on legal issues, but to keep you safe throughout the year.  So here’s a list of safety tips for you from the U.S. Consumer Product Safety Commission and your family to follow while using your gas grill during this summer.

  1. Check the tubes that lead into the burner for any blockage from insects, spiders and/or food grease.  Use a pipe cleaner or wire to clear blockage and push it through to the main part of the burner.
  2. Check grill hoses for cracking, brittleness, holes and leaks.  Make sure there are no sharp bends in your hose.
  3. Move gas hoses as far away as possible from hot surfaces and dripping hot grease.  If you can’t do this, install a heat shield.
  4. Replace scratched or nicked connectors, which can eventually leak gas.
  5. Check for gas leaks.  If you smell gas or when you reconnect the grill to the LP gas container.  If you detect a leak, immediately turn off the gas and don’t attempt to light the grill until the leak is fixed.
  6. Keep lighted cigarettes, matches, or open flames away from a leaking grill.
  7. Never use a grill indoors
  8. Do not attempt to repair a tank valve or appliance yourself.
  9. Always follow the manufacturer’s instructions that accompany the grill.

What is Medical Payments Coverage?

This article is part of a series designed to Let America Know more about their insurance coverage and insurance coverage options.  We have already discussed the benefits of Uninsured/Underinsured (UM/UIM) coverage and why everyone should have it.  We have also discussed Gap Insurance and Liability Insurance.  This month, we will discuss the benefits of medical payments coverage.

Medical payment coverage is an option for car insurance policies that protects the insured, their family, and permissive users of the covered automobile from medical bills that result from a car accident. Regardless of who is at fault in the car accident, medical payment coverage will cover the insured and their family for the policy amount in regards to medical bills. Medical payment coverage also covers the insured and their family in the event of being struck by a vehicle while walking, jogging, and running, etc. Medical payment coverage can be a useful policy option, but do you really need it?

Medical bills can be costly and medical payment coverage can help with those bills.  Medical payment coverage covers any medical payments up to the insurance policy limit for injury or funeral expenses that are related to an auto accident.  However, it is important to note that if you have health insurance, this medical payment coverage can be excess coverage that is unnecessary except in the most dire of circumstances.  Health insurance providers often cover a majority of medical expenses, therefore it is important for you to review your current healthcare coverage before purchasing medical payment coverage.  Medical payment coverage is most cost effective when you do not have health insurance.  However, it can still be beneficial if you do have health insurance because it can be used to cover co-pays that your health insurance does not cover for you.  In the event you are in an accident and have both health insurance and medpay coverage, the key is to make sure your health insurance pays its share of the bills first which then allows your medpay coverage to cover your co-pays rather than the medical bills that would have been paid by your health insurance.  This method will allow you to get the most out of your insurance coverage and not have to spend money out of your pocket on co-pays.

In short, medical payment coverage is a useful tool in the right circumstances.  In comparison to UM/UIM coverage, medical payment coverage is not nearly as important, especially if you have health insurance.  Hopefully this article lets you know a little bit more about your insurance coverage.

You need UM/UIM (or you need more UM/UIM)

In the last few weeks, we have been hired on several cases where we know uninsured/underinsured motorist (UM/UIM) coverage is going to be implicated.  In a couple, we anticipate this will be the only coverage available to our client.  We feel this is an important time for us to stress how important it is for drivers to have UM/UIM) coverage on all of their vehicles.  People often drop this coverage because they do not know what it is and think it is just some extra money the insurance company is trying to get from them.  In actuality, in a serious car wreck, it will likely be the most important coverage that you have.  UM/UIM coverage is there to cover you when you are hit by an uninsured motorist and/or when you are hit by a motorist who has an insurance policy that is not large enough to cover all your damages.  This can leave you in the unenviable position of not having enough money to fully pay your medical bills and/or compensate you for your loss in income while you are recovering from your injuries.  Therefore, please check your policy and make sure you have ample UM/UIM coverage for your vehicles.  If you have any questions about UM/UIM, please feel free to ask us.  We would be glad to take the time to explain why it is so important.

Hodges Trial Lawyers has filed a lawsuit against State Farm for its failure to compensate its policy holder for damage to his home.  Rather than processing and paying the homeowner’s claim as required by the homeowner’s insurance policy, State Farm has chosen the classic insurance company approach of “Deny, Delay, Defend.”  Despite their commercials’ claims they’re a “good neighbor” and always “there,” State Farm has shown a clear history of turning its back on its own insured when the policyholders need them most.

Our firm has filed a lawsuit demanding that State Farm pay for the damages sustained to the home as required under the homeowner’s policy.  It is unfortunate that individuals who pay insurance premiums for years cannot trust  their insurance companies to do the right thing when a claim is made.  However, Hodges Trial Lawyers is here to protect those homeowners whose insurance companies, such as State Farm, refuse to be “there” in your time of need.  Perhaps if State Farm spent the money it spends on witty commercials on paying legitimate claims, it could be the good neighbor for a change.

Pilot texting a factor in deadly copter crash

By now we all have learned about the danger of texting while driving.  In fact in many areas this is now illegal.  Here is an example of how the potential deadly activity can even affect pilots.  Click here to read more about this horrific accident.

Honda, Nissan and Toyota in massive recall

In one of the largest automotive recalls, Honda, Nissan, and Toyota are recalling around 4.3 million vehicles due to faulty airbags. You can read on CNN Money by clicking  here!

BabyHome USA Inc Chairs Recalled

The Consumer Product Safety Commission has announced a recall of almost 1,100 baby high chairs from BabyHome USA Inc. due to strangulation hazards. The agency said the area between the tray and seat bottom is large enough to allow a small child to slide through and become stuck at the neck, posing a strangulation risk. There have been no reported injuries.

Staff Report, PR Newswire 04/01/2013 Read Article: PR Newswire