At Jan Dils, Attorneys at Law, we take pride in the communities that we call home. In addition to our headquarters in Parkersburg, WV, we also have offices in Logan, Charleston, Beckley, and Huntington here in West Virginia, and we have an additional office in Charlotte, NC. Recently our Huntington, WV office had the privilege to participate in “Huntington in Bloom.” This initiative places colorful plants around the city to brighten the community. Our firm sponsored two of the plants for the project.
It gives us great pride to participate in programs that make communities better. Thanks to Huntington In Bloom for allowing us to participate in this program. The flowers were beautiful.
Have you been using Facebook Live? The Social Media giant estimates that there will be 64 million live views by next month. So, that means that there is a good chance that you have at least watched one live video. It’s obvious that the Live video broadcasting service is growing, but it’s not just for individuals. Many corporations and small businesses have also been creating live videos. Jan Dils, Attorneys at Law is no exception.
We experimented with Live broadcasting on Facebook a few months ago, and we were overwhelmed with how popular our videos have been. The first time we went live our Training Manager, Lauren Ward, discussed Social Security disability. We had over 120 Live viewers. Once the video was posted for individuals to watch who couldn’t make it to the live broadcast, it received over 500 views in a matter of hours. Facebook claims that their users watch live videos 3 times longer than traditional pre-recorded content.
After our first run with Lauren, we performed another live video discussing social security disability with our Social Security Operations Manager, Missy Parsons. It was even more popular than our first run. We then followed that up with a video focusing our VA line of business with Lead, and it too was very popular. We’ve decided to make our live broadcasts a part of our regular rotation. We generally try to go live every 2 weeks if schedules allow. As a part of our expansion, we plan on incorporating the personal injury line of business into the rotation as well.
Some may wonder why our videos, or why Facebook Live for that matter, are so popular. The formula is simple. We use an iPad with an external microphone and light source. One of our senior employees sits in front of the “camera” while Jon Corra, our Social Media Specialist, reads questions from behind the camera. “I believe it works well because we’re really just having a conversation. We’re talking to our audience, talking to each other, and just having a simple conversation about the topic at hand.” Claimed Corra.
We usually answer between 8-10 questions. Some of the questions are prepared ahead of time, but most are a result of submissions from Viewers. We also like to compile a list each time of popular topics our clients ask. The topics are usually diverse. The greatest part of this involves the interaction from Veterans. This service allows us to interact directly with Vets who have concerns about VA Disability. The ability to answer live follow up questions has really set this feature apart from other video services.
It’s reasonable that some people may be concerned with confidentiality. We keep the conversation general. We never talk about anyone’s personal case. If someone has a question about their specific case, we suggest that they call in directly. A lot can still be learned though. For instance, in a recent broadcast we discussed PTSD ratings and how the VA determines each percentage. It was very informative.
If you’re interested in being a part of our next live broadcast, be sure to like us on Facebook. To learn more about Social Security, VA Disability, or Personal Injury, give us a call. Our toll-free number is 1-877-526-3457.
It’s funny how pop-culture can impact the types of questions we are asked at the office. Since the popular Netflix original series Orange is the New Black has returned, we have received quite a few questions about individuals curious about what would happen to their benefits if they went to prison. Before we get too deep into this subject, the people asking us about this are not criminals. I am willing to bet most haven’t even taken a pen from a bank. Rather, they are just curious. Or, they like to be prepared because you never know what may happen in your future. Thankfully, the SSA makes this info relatively easy to obtain.
One of the first things to keep in mind is that the length of time you are incarcerated is important. For instance, if you are arrested one evening and held overnight for a small crime, your benefits likely will not be impacted. In fact, according to regulations, you must be incarcerated or at least 30 days before your benefits will be discontinued. Your benefits may be reinstated after your release.
The SSA goes on to state: Although you can’t receive monthly Social Security benefits while you’re incarcerated, benefits to your spouse or children will continue as long as they remain eligible. If you’re receiving SSI, your payments are suspended while you’re in prison. Your payments can be reinstated in the month you’re released. However, if your confinement lasts for 12 consecutive months or longer, your eligibility for SSI benefits will terminate and you must file a new application for benefits.
If you haven’t filed for Social Security benefits before, you can while you are in prison with a few rules. If your institution has a prerelease agreement with the local Social Security office, it will notify the SSA if you’re likely to meet the requirements for SSI or disability benefits. The SSA will get an application from you several months before your anticipated release. That way, they can begin processing your application and your benefits can start as soon as possible after your release. If you’re filing for benefits based on disability, the SSA will gather medical evidence from your doctors to help them decide whether you still meet Social Security’s definition of disability. Family members or a social worker can help you by contacting Social Security to let the SSA know about your upcoming release. A family member also may be willing to serve as your representative payee if your medical condition prevents you from handling your own finances.
If you’ve been released from prison, and have questions about filing for benefits, give us a call for a free consultation. Our toll-free number is 1-877-526-3457. If you don’t have time to talk now, fill out this form so that we may call you at a better time.
One of the fun things about working in social media is seeing how technology is always changing how we deliver content. Five years ago it would have been unheard of to have business pages on Instagram or Snapchat. Likewise, to suggest streaming live video via a social media account was unheard of a few years ago. Granted, services like UStream were available back then, but these platforms were not easy to use. So, most brands didn’t participate. Recently, tools like Periscope, Meerkat, and Facebook Live have made live streaming video so easy, anyone can do it. Now that “going live” on Facebook or Instagram is so easy, it’s also more dangerous.
Our firm has had fun with Facebook Live. It’s great for reaching our clients. We’ve used it mostly for fun, but it shows our clients another side of our firm. It helps them get to know us better. For instance, when we present our Golden Apple Award to a teacher in the Mid-Ohio Valley, we set up a mobile device to stream the announcement live. This practice allows our clients to see a behind the scenes aspect of our firm. It’s safe to say that we use this feature as it is intended. However, we’re aware that a lot of people don’t follow the rules.
Periscope is a lot like Facebook Live, except it has its own app, and it integrates into Twitter easily. Periscope came out before Facebook Live, and many early adopters still prefer this application for live streaming. It was while watching a video on Periscope one evening that I first started to notice people using live video streaming when they shouldn’t. NASCAR driver Tony Stewart was using Periscope while driving home one evening. He was providing commentary about the other motorists, and he was answering questions from his fans. He was doing this all while driving on a rainy interstate. Soon after, I noticed more and more people broadcasting live videos as they drove. It now seems common to see live videos on Facebook, Periscope, and Instagram while users are driving.
Obviously, distracted driving is an issue, and it is nothing new. However, this adds another level to the issue because people are actually recording themselves committing crimes. In most states, it is currently illegal to operate a vehicle while using a non-hands free mobile device. For instance, I follow a local photographer who enjoys filming himself passing cars on rural roads in West Virginia. In one such video, this gentleman clearly passed a car on a double yellow line, essentially passing in a no passing zone.
It’s easy to argue that what I have seen is minor compared to what has occurred with some live streaming drivers. Earlier this month a Rhode Island man streamed himself driving recklessly on Facebook Live. While on the interstate he was traveling up to 115 MPH and passing cars on the shoulder. He eventually hit a dump truck. Luckily no other motorists were injured.
I believe it’s safe to say that everyone knows that it’s not safe to text/live stream while driving. However, the penalties for drivers who break this law are not very steep. Currently, the West Virginia traffic code does not list specific violations for live streaming. However, our state does have specific laws for texting or using a non-hands-free device while driving. The first offense is $100, the second offense is $200, and the third offense is $300. The third offense also comes with the possibility of points against your license. These fines don’t seem too strict considering that our fines for littering are much stronger. If you are convicted of littering, on your first offense, you could lose points on your license, and your second offense may result in community service. I hate a litter bug at as much as the next fella, but I think a distracted driver should be penalized more. Granted, that is my opinion.
Sadly, the number of accidents caused by distracted drivers is on the rise. In these accidents, injuries or fatalities are likely.
Since we originally wrote this blog, there has been another tragedy making national headlines regarding Live Streaming while driving. Obdulia Sanchez, 18, of California was broadcasting live on Instagram while driving her car. She lost control and crashed the car into a fence. It eventually flipped in a nearby field. Her sister, 14 and a friend, also 14, were ejected from the car. They were not wearing seatbelts.
Sanchez continued to film after the accident and addressed the people watching the video. She addressed the fact that she (likely) killed her sister in the accident. She also mentioned that she was probably going to go to jail for life for what occurred. The other 14-year-old passenger in the car survived.
One thing that does set this example apart from the others is that Sanchez was arrested after the accident for a suspected DUI and Gross Vehicular Manslaughter. She may have been under the influence of alcohol while driving.
Instagram, which is owned by Facebook, issued the following statement to NBC News after the accident:
“We’re deeply saddened by this tragedy. We urge people to use our reporting tools if they see any content or behavior that puts anyone’s safety at risk. We want to interrupt these streams as quickly as possible when they’re reported to us, and we will also notify law enforcement if we see a threat that requires an immediate response. We suggest people contact emergency services if they become aware of a situation where the authorities can help.”
If you’ve been injured in a wreck because of a distracted driver, call us today for a FREE consultation. Our Toll-Free number is 1-877-526-3457. If you’d rather talk at a different time, fill out this form and call us at a later time.
I write for all three of our lines of business, but my background is predominantly in VA Disability. With that in mind, we didn’t have to deal with cases involving children in VA. Obviously, you have to be an adult to join the military, and thus the youngest person that can file a claim for VA disability is 18 years old. So when I started writing about Social Security Disability I started noticing that we represented minors. For the most part, there are a lot of similarities between a social security claim for adults and kids. However, one of the big differences is what happens when these individuals get approved. This was something that really made sense to me when I thought about what would happen if you gave a child several thousand dollars and let them be on their way. It probably wouldn’t be a good idea. Because children should not be held responsible for their Supplemental Security Income (SSI) payments, the SSA has something called Dedicated Accounts.
As a representative payee for a disabled child under age 18 who is eligible for large past-due SSI payments (usually any payment covering more than six months of the current benefit rate) you are required to open a separate account at a financial institution, which is referred to as a “dedicated account”.
The past-due payments will be deposited directly into that dedicated account. These funds can only be used for expenses directly related to the child’s disability.
The requirements of a dedicated account are:
It must be separate from the account used for the regular monthly benefit payment and can only be a checking, savings, or money market account.
Other funds, except for certain past-due SSI benefits, cannot be combined with the funds in the dedicated account.
It cannot be in the form of certificates of deposit, mutual funds, stocks, bonds, or trusts.
The title on the dedicated account must show that the child owns the funds, including interest.
Dedicated account funds can be used for the following expenses:
Medical treatment; and Education or job skills training.
The Social Security Administration will allow the following expenses if they benefit the child and are related to the child’s disability:
Personal needs or assistance (e.g., in-home nursing care); special equipment; housing modification; therapy or rehabilitation; or other items or services approved by your local Social Security office, like legal fees incurred by the child in establishing a claim for disabled child’s benefits.
Dedicated accounts may not be used for basic monthly maintenance costs such as food, clothing, or shelter. The regular monthly benefit received for the child should be used for all monthly maintenance costs.
The Social Security Administration requires you as representative payee to complete a yearly report on the use of the dedicated account funds as well as the regular monthly benefits received on the child’s behalf.
It is important to keep receipts, bank statements, and maintain an expense record for at least two years as verification of expenditures. You, as representative payee, should be able to provide SSA with an explanation of any expenditure and how it relates to the child’s disability.
If you’d like to know more about this subject, or if you’d like a free consultation, call us today. Our toll-free number is 1-877-526-3457. If you can’t talk now, fill out this form, and we will call you at a better time.
At the age of 14, when other teens were hanging out at the mall, going to dances, and being social, I was visiting my father in a nursing home. When most people realize that I was only 14 and had a parent in a nursing home, they assume that my father was one of those new age senior citizens who have children well into their sixties. Unfortunately, that was not the case with my dad. He was only 41. His body was weak from two years of battling brain cancer and having multiple surgeries. We had tried taking care of him in-house, but it became too much for us. We decided that a nursing home was our best bet to give him proper care. It turns out we might have been wrong. I recall going to the nursing home one day to visit my father and I saw what would eventually be the beginning of the end.
Due to my father’s chemo, and the fact that had tumors in his brain, he was weak. He could not get in and out of bed on his own. One day in August we were visiting him. The nursing staff was helping my father back into bed when they didn’t give him proper care. Instead of laying him in the bed gently they let go early, and his head went crashing into the headboard. I was sitting next to the bed and saw it all happen. My father’s head hit on an edge of the headboard, near where he had surgery recently. Granted, this was 18 years ago, and I am no Doogie Houser, but I believe this impact caused my father’s shunt to quit working. Five months later we were planning his funeral.
What I described was a not typical case of Nursing Home Neglect, but it’s too painful for me to discuss some of the other things I witnessed. At the time, nursing home neglect was not as mainstream as it is now, and we were not the type of family to sue anyone. We had just lost the patriarch of our family after a very long and stressful two-year battle with a terrible disease. Now, in 2017, the Statute of Limitations has passed, and all I can really do is educate other people about the subject, and tell you what to look for with your loved ones.
Nursing home abuse and nursing home neglect are broad terms used to define a variety of offenses within the nursing home abuse. They can refer to something as simple as not attending to patients on a regular basis, to sexual abuse and rape. The subject is truly disturbing to talk about too.
Instead of examining specific cases of nursing home abuse, let’s look at things in a little more general fashion today. What are some signs of Nursing Home/Elder Abuse you should be on the look out for with your loved ones?
– Emotional or social neglect, where the elder person is repeatedly ignored, left alone, or accidentally snapped at by an overstressed nursing home staff
– Personal hygiene neglect, where patients do not receive adequate help with laundry, cleaning, bathing, brushing their teeth, or other forms of hygienic practices
– Basic needs neglect, where the nursing home neglects to provide reasonable food, water, or a safe and clean environment
– Medical neglect, where the nursing home fails to provide adequate attention, prevention, or medication for concerns such as bed sores, infections, cuts, diabetes, cognitive diseases, and mobility concerns
Warning signs of nursing home neglect include:
– Sudden weight loss
– Bedsores, or pressure ulcers
– Injuries from nursing home falls
– Withdrawn elder behavior, or unusual changes in behavior
– Changes in personal hygiene or appearance efforts
– A growing lack of friendly interaction with the nursing home staff
– A growing lack of friendly interaction with the other nursing home residents
– Environmental hazards, such as poor lighting, slippery floors, unsafe mobility equipment, or unsafe furniture in the nursing home patient’s room
If you suspect a loved one is a victim of nursing home neglect or elder abuse, report it to the proper authorities. If you’d like to know more about your legal options, give us a call today for a FREE consultation. Our toll-free number is 1-877-526-3457. If you can’t talk now, fill out this form, and we will get back to you.
Memorial Day just passed, all of the kids are out of school, and we no longer need to pack a hooded sweatshirt when we venture out for the day. Though summer officially starts in three weeks, the unofficial start is here. I just got back from a weekend road trip, and I am eagerly planning a trip to central Ohio later this month. There is so much to do in the summer time regardless if you are planning trips, being one with nature, or even getting pumped for all of the great shows on Netflix. Summer is a lot of fun, but it’s also an ideal time to get distracted from your social security claim that can have negative ramifications in the long run. Today, let’s talk about 5 ways to keep your social security case on point during the summer.
Schedule your appointments accordingly. Just like you and I can’t wait to go on vacation, your doctor likes to go on vacation too. For many smaller offices, the entire staff usually goes on vacation at the same time. So, there may be weeks during the summer that your doctor’s office is not available. However, if your doctor’s office is open during holiday weeks like the 4th of July or Labor Day, you may be able to get in at the last minute if you need to. The bottom line is to keep your appointments up during the summer. You need to have evidence to get approved, so don’t let your appointments slip due to distractions.
Keep up on paperwork. My post office box is about to burst. I am probably the last person who should talk to you about getting the paperwork back into an office. But, once again, it’s easy to get distracted.
Attend your hearing. It takes a very long time to get a hearing scheduled in the first place. If you cancel your hearing with the SSA, it may be several months or more before you actually get rescheduled. Is that extended time worth skipping?
Take your medication as prescribed. This can be difficult for someone like me to preach, but it can negatively impact your health if you don’t take your medication on a regular basis. Now that everyone has smartphones, it’s easy to set an alarm to remind yourself to take your meds.
If you move, tell someone. Most people move in the summer, especially July, so if you happen to move, call your attorney or the SSA and let them know. Failing to do so can result in lost paperwork and missed appointments. A simple phone call can alleviate these issues.
We know summer is supposed to be a time of fun and great memories, we just don’t want your case to slip by the wayside. If you want to have some help with your claim for social security disability, give us a call today for a free consultation. Our toll-free number is 1-877-526-3457. If you can’t talk now, fill out this form, and we will call you back at a better time.
It’s the most wonderful time of the year. The holidays are over, spring’s not quite here, and a lot of us are preparing for tax season and all the pomp and circumstance that accompanies this time of year. I’m a simple fella from Parkersburg, West Virginia. It only takes me about 30 minutes to complete my tax return. As a single person with no kids, I keep my expectations low regarding returns. If I am lucky, I’ll have enough money in my refund to buy some new bedding and possibly get some new sconces for my bedroom. Not everyone has it as simple as I do. For instance, my sister once won a “Rock, Paper, Scissors Contest” sponsored by Anheuser-Busch. Yes, you read that correctly. The result of her “championship” was a free trip for two to Las Vegas for the national Rock Paper Scissor Championship Tournament. Once again, this is all real. It was on TV and everything. Between the flight, hotel, and other prizes, the trip was valued at over $4,000. Come tax time, my sister had to count this as income and pay taxes on the prize. Luckily for my sister, she didn’t have to pay too much on a $4,000 prize. However, if you are awarded something like a new car, or a fancy vacation, or really, most prizes valued over a specific amount, you must pay taxes on the prize. This is why so many people forfeit whatever base model car they win on “The Price is Right.” Recently, a friend of mine asked me if she would have to count her personal injury settlement as income the way prize winners do. I honestly didn’t know, so I thought I’d dive into this topic deeper.
I was hoping to find a simple yes or no answer when I started researching this topic. However, I realized I was dealing with both taxes and law, so I was a tad naïve to think anything would be simple. The quick answer no, you don’t have to pay income tax on your personal Injury settlement. So, you may be thinking, “are there exceptions to the rule? We’re dealing with the government, so, of course, there are exceptions.
The official statement from the IRS is as follows:
If you receive a settlement for personal physical injuries or physical sickness and did not take an itemized deduction for medical expenses related to the injury or sickness in prior years, the full amount is non-taxable. Do not include the settlement proceeds in your income.
If you receive a settlement for personal physical injuries or physical sickness, you must include in income that portion of the settlement that is for medical expenses you deducted in any prior year(s) to the extent the deduction(s) provided a tax benefit. If part of the proceeds is for medical expenses you paid in more than one year, you must allocate on a pro rata basis the part of the proceeds for medical expenses to each of the years you paid medical expenses. See Recoveries in Publication 525 for details on how to calculate the amount to report. The tax benefit amount should be reported as “Other Income” on line 21 of Form 1040. (read the entire IRS Publication here)
If you have received a settlement from a personal injury claim, and you’re not sure if you used any of your settlement for medical expenses, or if you just have general tax questions, it may be beneficial to consult an accountant. Keep in mind that many accountants focus on taxes just like we focus on Personal Injury Law. Another option is a step by step accounting program. Many of these pop up during tax season, and some offer live help either by text chat or video conference.
If you’d like to know more about the types of services we offer, or if you’d like to talk to someone about your personal injury claim, call us today for a FREE consultation. Our toll-free number is 1-877-526-3457. If you’re not available to chat now, fill out this form so that we may contact you at a later time.
As I look back on 2016, I realize that it has been my busiest travel year by far. I know this because of the number of cars I have rented according to my phone’s Bluetooth pairings. My phone has been paired with more cars than Taylor Swift has been paired with bad guys. Whether it was a trip for business or pleasure, I was in and out of a lot of different cars this year. I am also in the process of buying a new car, so I have test driven many cars, too. Not to mention all the fun I had looking at cars while attending auto shows. While I have never driven anything too exotic, I did get to drive and see a variety of cars. I drove everything in 2016 from a Ram 3500 dually, to a Hyundai Tucson that was clinging for every last ounce of life it may have had. Along the way, there were a few things that really stood out about these various vehicles.
One of the greatest things I noticed was that the Nissan Altima is a fuel miser. It’s a midsize sedan yet it managed almost 40 mpg on the highway when I drove it to Cleveland, Ohio. However, because it had a CVT transmission, there was a constant whine. It was most noticeable at low speeds. The whine was at its worst when I drove around downtown Cleveland. The city of Cleveland hadn’t experienced that much whining since The Indians lost the World Series. I also drove a Jeep Cherokee. While it was not as efficient as the Altima, it was much more comfortable. Plus, it had heated seats and a heated steering wheel. However, at a toll booth, the emergency brake accidentally activated and I thought for sure the car had been hacked. Overall, my favorite car to drive was the Camry. I never thought I would say that, but it was very quick and fun.
The worst car driving experience for the thus year was when I took a Mazda 3 to Philadelphia, Pennsylvania with my friend Shawn. I want to be very clear, the Mazda 3 is not a bad car. It just was not the car for us. We are both tall, large men and this compact car is not made for larger people. I hit my head every time I entered the vehicle, it was very underpowered, and during a very heavy rainstorm, I was certain we wouldn’t make it back home. While the overall experience with the tiny Mazda was not favorable, it did have one feature that no other car I drove this year had…Blind Spot Monitoring.
If you’ve never driven a car with Blind Spot Monitoring, it’s neat. A Bling Spot Monitoring system is self-explanatory. It’s a system that uses sensors to detect other cars or objects in your blind spots. For most vehicles, an icon in your side view mirrors will illuminate when there is an object in your blind spot. In the Mazda, the system is a little more advanced because it chimes if the driver activates a turn signal while something is in the blind spot. I will admit, this feature took some getting used to for me. By the end of my trip I was really starting to like the feature, and possibly getting too used to using it.
Earlier, I mentioned that I was in a rain storm so bad that I wasn’t positive that I’d make it back alive. Well, it was on the way home from Philadelphia, near the city of Baltimore, when the heavens opened up, and my little compact car didn’t want to play in the water. Trying to drive in the storm was nearly impossible. The rain was so strong that visibility was reduced to mere inches in front of the car. Looking back at the situation now, I can see that we should have simply pulled off the road. However, I was on an adrenaline high from meeting Television’s Stephen Amell at the Philadelphia Comic Con and was not about to sit idly by as other motorists beat me to the West Virginia line.
One thing I did not realize in advance was that the sensors for the Blind Spot Monitoring system don’t work well in adverse weather. For instance, if the sensors are dirty, covered in snow, or, as in my situation, surrounded by torrential downpours, they won’t work as intended. I learned my lesson after I nearly sideswiped a Chevy Cobalt. It’s safe to say that most consumers are not aware of this issue. We tend to become too reliant on these driving aids. I think it’s safe to assume that few people under 25 have ever driven a car without ABS or traction control. While these aides to make driving easier and safer, they take control away from the driver. It’s possible that a driver may panic in a situation when a driving aid fails because they are not accustomed to driving without it. Most manufacturers will list these limitations in the owner’s manual; but, let’s be honest…a lot of people don’t read those. This, however, may not be the biggest issue with driving aids.
If you’ve read my blogs in the past you’ll likely know that I have an obsession with cars. I stay up way past my bedtime most nights researching cars on YouTube and Autotrader. Because of this obsession, I have a bank of useless car knowledge. With that in mind, you can imagine my surprise when I learned how some cars are sold without all of the available safety features. Let’s not get ahead of ourselves yet though. All cars sold today now have airbags, seatbelts and the like. The issue is when cars are sold without electronic driver’s aids, but the owner believes that the car is equipped with the feature.
I am not trying to say that certain car companies are trying to do a bait and switch on consumers. There are few reasons why this disconnect can happen. One of the main reasons is that car companies have special names for each feature. Let’s use Subaru as an example. Subaru has one of the best Crash Avoidance Systems according to the IIHS. It’s called EyeSight. This feature is an automatic braking system for the car that works well. Subaru has something similar for the back of its cars which is similar but sold and packaged differently. It’s called the Reverse Autobrake. Here’s where things get tricky.
EyeSight is not standard on our example car, the Legacy, at any trim level. However, the Reverse Autobrake is standard on the most expensive trim levels, the 2.5i Limited, and the 3.6R Limited. To add EyeSight to these two trims, there is an additional cost of over $1,500. To complicate the matter, even if the car is not equipped with the EyeSight feature, it can still be marketed as auto/self-braking because of the rear system. This can easily create confusion for the customer. Consumers see that they have semi-autonomous features and they think that it’s for every aspect of the car. Some may say that it’s the responsibility of the consumer to make an educated decision about the car they are buying. I consider myself very educated when it comes to the automotive industry. However, I struggled to interpret Subaru’s website and available features.
As cars evolve, we need to make sure we have a better understanding of how their autonomous features work. Be sure to do your research, and ask lots of questions when you purchase your next car. However, if you’ve believed you were injured in an accident because of faulty driving aid, give us a call for a free consultation. Our toll-free number is 1-877-526-3457. If you aren’t available to talk now, fill out this form so that we may contact you at a better time.
When I was younger I always hated paying my insurance. The cost was always extremely high, and the people I interacted with were very rude. I always tried to get the bare minimum coverage. It wasn’t until I was much older, and had spent some time working around personal injury attorneys, that I realized how wrong I was about insurance coverage. Though my car is 12 years old, paid for, and worth less than stock in Samsung, I still have full coverage on the car. I also carry high property damage coverage and high underinsured and uninsured motorist coverage. Though I’ve been proactive about my insurance, I’ve learned that it may not be enough. Recently I learned about Medical Payments coverage. It turns out that my current policy may still not be adequate.
Medical Payments coverage is a good supplement for many insurance policies because it is often affordable, and it can help pay for medical bills if you are injured in an accident. If you are hit by a driver with state minimum coverage, this could be even more beneficial because their insurance coverage likely won’t be enough to pay for your medical bills. It get’s better, though. Depending on your insurance provider, Medical Payments coverage may also cover the following:
Passengers in your car
Injuries sustained while you are walking or riding a bike
If you’re injured as a passenger in another person’s car
In addition to providing coverage for medical bills, some Medical Payments coverage will also cover funeral costs. Once again, every provider is different, so it’s important to check your policy.
You may still be asking yourself if this is something you really need. Well, It can be helpful if you look at the numbers. If you are hit by a driver with perfect insurance coverage, then you are pretty lucky. However, the number of people who drive without insurance is staggering. It is as low as 4% in Maine and Massachusetts. However, that is much lower than the national average of 12% and far better than the worst state in the union, Oklahoma, at 26%. Nationally, there is a 1 in 8 chance that the person who hit you doesn’t have insurance.
Some may look at the numbers over the years and state that the average is trending downward. That’s true, but it’s not just uninsured motorists you have to worry about. Underinsured motorists are also an issue. There are a lot of cut-rate insurance providers currently. Many motorists will join these insurance providers because of cheap their coverage is, and how accessible they are for individuals with bad credit. In other words, there may be more people with insurance now then there was ten years ago, but many of these insured drivers have very little coverage.
If you’re intrigued by Medical Payments coverage, be sure to talk to your insurance provider about it. Most agents will agree that you want at least $25,000 worth of coverage. If you’ve been injured in an accident, call us today to learn more about the services we provide. Our consultation is free. Simply call 1-877-526-3457, If you can’t talk now, fill out this form so that we may call you at a better time.
Jan Dils, Attorneys at Law, handles personal injury, Social Security disability and veterans’ disability claims for clients throughout West Virginia, with offices in Parkersburg, Beckley, Charleston, Huntington, Logan, as well as one additional office in Charlotte, North Carolina. Regardless of where you are located, we are able to serve you or a family member nationwide.