That’s one of this mornings headlines. A mildly interesting blip on the news screen. Unless you’re involved. Then it can be life changing…or life ending.
This morning’s story tells of a car travelling at high speed, out of control, careening across all lanes of traffic, after slamming into a wall. What if you or a loved one were struck?
Did you know a large number of drivers don’t have insurance? Especially those who drive 90 mph on public highways. Many have insurance at the minimum limits. $12,500 in Ohio. $25,000 in Kentucky. Do you know how quickly an emergency room can burn through $12,500? Uninsured motorist and underinsured motorist coverage can help. Did you know that YOUR insurance company becomes your OPPONENT when you present a claim? Company claims adjusters are trained to minimize the company’s payout. They are trained professionals. They are very good at what they do. They do it every day. You don’t.
Have you heard of subrogation? In short, subrogation is when your health insurance company or Workers Compensation pays your medical bills (the reason you pay premiums) from an accident and then requires you to pay them back. Huh? That’s right. You search for and hire the lawyer. Your lawyer chases the bad guys. You take the risk of losing. Your lawyer fights with the insurance companies. You are off work. You go to trial. The health insurance company, Workers Compensation and others, take NO RISK and stand there with their hand out. They are your OPPONENTS too! Sometimes they are entitled to payment. Sometimes they’re not.
The experienced lawyers at The Moore Law Firm have dealt with these issues for many years. The insurance companies have trained professionals on their side. So should you.