liability

Published on: July 19, 2021

Do You Really Have Enough Auto Insurance?

If you’ve seen the news, you’ve heard the reports about the condo collapse in Miami. Several families have already filed wrongful death claims on behalf of their deceased loved ones. How many people died in the building collapse?

With more than 100 residents missing and several suits already filed, a local Miami judge held an emergency hearing on the issue of evidence preservation. Evidence preservation is a big deal in the case. Accident scenes can change rapidly – destroying important evidence. I’ll save the evidence topic for another day. Another issue from the hearing — liability insurance — sparked the topic for this post.

At that hearing, attorneys for the condo association indicated liability coverage in the amount of $48 million existed. The judge promptly responded such coverage was not adequate to compensate all the families for their deceased loved ones. It is not. While that sum may seem like a lot of money, you start dividing it between many, many families and it is not.

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Published on: December 21, 2020

Why Waiving Uninsured Motorist Coverage In Alabama Is A BAD DECISION!

By Jeff Blackwell

What is uninsured / underinsured motorist coverage? This coverage is commonly called UIM. This valuable coverage is provided through your automobile insurance policy. And, it provides compensation for your injuries when the at-fault driver does not have adequate liability insurance coverage. In Alabama, insurance companies must provide UIM coverage (at least in the minimum amount) on your policy unless you specifically waive it. You should never do that! In fact, you should talk with your agent about purchasing more than the minimum required limits.

Uninsured / Underinsured Coverage Protects Alabama Families Seriously Injured By A Negligent Driver

You are driving to work. Suddenly, another driver runs a red light and crashes into you. You are hurt. You start receiving medical bills. And, you are unable to work. When you make a claim against the at-fault driver you learn he had NO car insurance. I know – this is illegal. Even if he had the minimum coverage (currently $25,000), it would only cover a fraction of your damages. What should you do? If you have UIM coverage on your policy, then you can recover additional money to help with your damages.

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Published on: September 21, 2020

Hurt In A Car Accident By An Unknown Driver?

By Jeff Blackwell

Many car accident injury cases are fairly straightforward. Liability and damages. Did the other driver negligently cause the collision? If so, were you injured? What is the extent of your injuries?

In recent weeks, I’ve written several posts about settlement mill lawyers. These billboard and television lawyers want a volume of those straightforward car accident and injury cases that they can quickly settle. Even when the case is straightforward, these settlement mill lawyers often harm their clients by not working to prepare cases for their maximum value. That’s important — Even when straightforward, putting the time and skill into developing and building the case can make a huge difference in the amount of damages recovered for an injured client. When our friends and neighbors suffer an injury, they deserve a lawyer who will provide personal attention and work on their case.

When you take a car accident claim and add common issues such as vehicle defects, commercial vehicles, underinsured drivers or uninsured drivers, you really are well-beyond claims that can be handled by settlement mill lawyers. These cases require work, preparation and a willingness to go to court when needed.

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Published on: June 30, 2016

Alabama Reports Sharp Drop In Uninsured Drivers

By Jeff Blackwell

In past years, I’ve written numerous articles discussing Alabama’s problem with uninsured drivers. Historically, Alabama had one of the highest rates of uninsured drivers in the United States. It’s a terrible problem for people innocently injured in a car accident.

In my prior articles, I advocated for instant verification to enforce mandatory liability insurance laws. I argued the need to implement a verification system for use by law enforcement at traffic stops. For years, I had counseled too many clients who suffered a severe personal injury caused by an uninsured driver. While Alabama legally required liability insurance, enforcement was a huge problem. Drivers could largely evade responsibility by presenting an old insurance card to the police which could not be verified. What good is a law if offenders can evade its requirements? What good is a law without proper enforcement?

I also counseled clients to use the uninsured coverage offered in their own policies. Certainly, you want the at-fault driver (and his insurance company) to pay your damages. I get it. But, too often the at-fault driver has no coverage or too little coverage. So, uninsured coverage becomes extremely important. You need to purchase an amount large enough to pay for potential car accident injuries and damages.

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