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Although the limits may be lower, medical payments coverage ("medpay") can help when you are hurt by a car. At least in Virginia, where the law make it part of every policy, it pays without regard to fault. Coverage instead hinges on the person hurt and the person's...
Uninsured motorist ("UM") coverage involves some of the more complex auto insurance issues. States usually require that every policy have at least some UM coverage, and they often strictly regulates the terms. If a policy does not comply with the terms, those terms required by state law apply instead. Below,...
Auto liability insurance -- the basics Below you can find the core qualities of your auto liability coverage: (1) who might be covered; (2) what triggers your coverage; (3) how your insurer must help you with covered claims; and (4) how much it might have to pay...
Magistrate Judge Michael Urbanski just issued an opinion in the Western District of Virginia that deals with the insured's rights and duties in connection when their carrier wants to examine them under oath. Those exams happen often, and many if not most insureds are woefully unprepared for the...
Every person should understand the four basic types of coverage an auto policy might provide: (1) liability; (2) collision or comprehensive; (3) uninsured/underinsured motorist; and (4) medical payments. Below are simple descriptions of each. Your policy's declarations page should list what kind and how much of each coverage you...
Earlier this year, Judge Moon in the Western District of Virginia issued a summary judgment opinion helpful for insureds on a frequently-appearing coverage issue -- who is resident in a household. Dawson v. Auto-Owners Insurance Company, U.S.D.C., W.D.Va., Case 6:07cv00037. By law in Virginia, uninsured motorist coverage extends to...
Virginia's General Assembly passed a helpful law that just went in effect July 1, 2008. It requires liability insurers share the policy limits that may be available when their insureds are involved in an accident. Moreover, it requires they do so even if no suit has been filed yet. That provides...
The Virginia Supreme Court granted the Insurance Recovery Law Group leave to file a brief amicus curiae on behalf of the Virginia Trial Lawyer's Assocation, in the case of ACE American v. Allen, et al. The case and brief both address whether injured persons and other plaintiffs can sue a defendant and...
The Insurance Recovery Law Group provided the following two articles along with its presentation at a recent seminar. The first addresses potential sources of coverage. The second is a checklist of questions to ask when assessing coverage issues surrounding an auto accident. Updated, revised copies are attached. Download...
Pay attention to your insurance limits - the most that your liability carrier will pay to another person who claims that you hurt them or damaged their property. You can find your limits on your auto, homeowners', umbrella, or business policy declarations page. Ignoring your limits and their relation to...