Archive for Alabama insurance lawyer

Did you know?

Did you know that if you are over the age of 55, Alabama law allows you to qualify for an insurance premium reduction? You are required to complete a specific safety program. Currently, allowed safety programs are sponsored by the National Safety Council, AAA, and the AARP. If you are over 55 you may want to investigate this simple way to save some money.

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If someone sends you a mailer claiming that you can pay to join a lawsuit and somehow avoid paying your mortgage, beware.  The old adage, if it sounds too good to be true it probably is still rings true today.    We recommend that you consult with an attorney you trust before taking any steps that relate to your home.  Read the LA Times article here.

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UM/UIM Coverage is really important

We will try to keep this blog from solely being about insurance coverage, but we ran into the issue again yesterday.  We were retained to represent a pleasant young lady that was seriously injured in a car wreck that was not her fault.  Based on the insurance company for the negligent and wanton driver, we expect the insurance limits to be only $25,000.00.  Unfortunately, our client’s UM/UIM limits appear to be only $25,000.00.  $50,000.00 sounds like a large sum of money, but we expect this young lady’s medical bills to easily far exceed that amount.  We urge all of you to consider raising your UM/UIM limits.

We recommend $250,000, but not everyone can afford this.  You should at least make sure that your UM/UIM limits are at least as high as your liability limits.  In the case of our client, her liability coverage was $50,000.00.  If she was negligent or wanton and injured someone, that other person would have up to $50,000.00 of insurance to cover medical expenses, lost wages, and other damages.  If you have any questions about UM/UIM coverage, watch the below video or give us a call.

We also invite you to visit our Website and Car Accident Blog!

We Care Program for tornado victims

The Alabama Association for Justice is still sponsoring the We Care program for tornado victims.  If you suffered damage in the tornadoes and need some free legal advice, you can click here.  If you need help with your insurance company or FEMA check out the We Care program.

 

We also invite you to visit our Website and Car Accident Blog!

I was recently told about a Protective Industrial Life Policy for which a deceased paid 27.00 weekly for 42 years and the burial benefit was $200.00. After paying premiums of $60,000.00 over 42 years, the beneficiary receives $200.00 to apply to burial expense. The Alabama Insurance Commission needs to be more accountable to Alabama consumers. This type of policies are grossly unfair to Alabama consumers. You may wish to review any policies you carry that may be essentially “worthless.” It makes me think of my friend’s mother who once made monthly “payments” for an insured telephone from the telephone company. Over the years she paid thousands of dollars for a phone worth much less than $100.00 when it was brand new. Just because you can charge someone a ton of money, does not make it the right thing to do. If you have any questions about the fairness of an insurance policy that you are paying for, please let us know.

We also invite you to visit our Website and Car Accident Blog!