How Long Will My Car Accident Case Take? Answers from a NY & PA Car Accident Lawyer

Don't let insurance adjusters mislead you about the comparative negligence rule in New York State.

Immediately seek medical assistance and consult an attorney after a car accident.

Jessica Whitton, a freelance writer and paralegal, has written a good summary of the major steps in a personal injury lawsuit.

Before I summarize what she wrote, I want to point out one important factor:

Time is of the essence in IMMEDIATELY consulting a lawyer. There are many insurance companies who are training their employees to immediately contact an injured person with hopes that the can get that injured person to sign off on their claims before that person has a chance to learn the true severity of their injuries or the full extent of their possible claims.

Many times, these claims adjusters will mislead the vulnerable injured person, and accordingly, it is critically important that an injured person hire a lawyer to protect their interests.

Please remember the time for bringing a negligence claim in New York state is three years and two years in Pennsylvania.

Here is Jessica’s step-by-step approach to understanding the typical steps in a personal-injury lawsuit:

At ZiffLaw, we do everything in our power to keep our cases moving as quickly as possible.  With that said, we will not rush any case as we know achieving maximum recovery for our clients often requires us to do things the hard way, not the easy and fast way.  We truly believe our willingness to go the extra mile distinguishes us from other lawyers who are willing to accept an easy and fast settlement rather than do the hard work necessary to get the very best result.

Thanks for reading! Leave me a message below if you have any questions.

Jim

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James B. Reed
Best Lawyers’ “2015 & 2017 Lawyer of the Year”
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

Does Your Car Insurance Carrier Penalize You When You Were Not At Fault?

accident-frustration1

The Consumer Federation of America recently released new research that shows that safe drivers often see car insurance increases when they are involved in accidents  caused by other drivers.

car_insuranceAccording to the news release, in this new trend, some insurance carriers are penalizing their own customers when their customer did nothing wrong. It used to be that if you were involved in a collision that was not your fault, your own insurance company would not raise your rates. Makes perfect sense. Why should you be penalized when you did nothing wrong?

However, recently, a number of insurance companies decided to increase their profits by hitting their customers with significantly increased premiums when they had the misfortune to be involved in a crash that was not their fault. Two of the biggest New York carriers, Progressive and GEICO, were among the worst offenders of this new policy.

imagesInnocent drivers who don’t cause accidents should not be charged more because someone else hit them, J. Robert Hunter, CFA’s director of insurance and the former insurance commissioner of Texas, said in the news release. “Most people know that if they cause an accident or get a ticket they could face a premium increase, but they don’t expect to be punished if a reckless driver careens into them.”

CFA urged lawmakers around the country to prohibit penalties on innocent drivers. “Penalizing safe drivers hit by another car is not only very unfair; it also discourages them from filing legitimate claims,” Hunter said. “Lawmakers and regulators need to protect consumers from being punished when they’ve done nothing more than use the policy they have already paid for.”

CFA compared two good drivers – the only differences reflected in their socio-economic circumstances rather than their driving records – and found the following:

  • Higher-income drivers paid $78 more on average after a not-at-fault accident.
  • Moderate-income drivers paid $208 more on average after a not-at-fault accident.
  • Higher-income drivers faced a 6.6% penalty on average after a not-at-fault accident.
  • Moderate-income drivers faced a 9.6% penalty on average after a not-at-fault accident.
  • Excluding State Farm customers, who were never penalized, the average surcharges jumped to $99 (8.3%) for higher-income drivers and $264 (12.1%) for moderate-income drivers.

My suggestion: Contact your insurance agent and ask if your carrier has a policy of increasing premiums in not-at-fault crashes?

If so, I recommend you contact other insurance carriers as there are many carriers who do not increase premiums in this situation.

Thanks for reading,

Jim

___________________________________

James B. Reed
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

 


Go Car-Less For Two Weeks During 2016 Car-Free Challenge

chemung4

Can you make it most or all of two weeks without driving your car and find alternate ways to get to work, shop and live the rest of your life?

If you are up for the challenge in Chemung, Steuben, Tompkins and Schuyler counties, join the 2016 Car-Free Challenge from Sept. 22 through Oct. 5 and learn about some of the other ways to get around besides as a pedestrian or bicyclist. Check out carpooling resources and mass transit options at the website.

chemung-how-it-works-01To participate, click here and find the link to your Twin Tiers county. You will be asked to register, and to be eligible for drawings, you will need to log at least one car-free effort every day in the two-week period.

Every time during the two weeks that you ride a bike, walk, ride a bus or carpool instead of driving alone, log an entry on the website. To be eligible for a grand prize drawing, you must have at least three days of car-free efforts in the two weeks.

Keep track of your car-free mileage so organizers know how many miles were saved by all participants!

Check out 511NY Southern Tier Rideshare, a free resource to help you find carpool partners who live or work in Steuben and Chemung counties.  When you sign up for ride-matching, you’ll join other riders and drivers in a database. You will save money and be eligible to enter a raffle to win a $25 grocery store gift card when you register for carpooling.

The announcement of the grand prize winner will be at 10 a.m. Oct. 11 at the meeting of the Chemung County Coordinated Transportation Committee at the Corning Community College campus in Elmira at 318 Madison Ave.

Thanks for reading.

Jim

___________________________________

James B. Reed
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

Doctors Struggle To Curb Patients Who Pose Serious Danger To Other Drivers On The Road, Says NY and PA Medical Malpractice Lawyer

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Doctors face a daunting challenge when they are treating a patient who is impaired or has a disability that makes that patient an unsafe driver.

the-information-age-has-enabled-doctors-to-view-patient-data-on-laptops-_1508_608708_0_14091474_500Many doctors will want to get the patients’ keys away from them quickly and without incident, but they have to take great care not to breach that patient’s confidentiality.

Doctors shouldn’t notify the New York State Department of Motor Vehicles without talking with the patient, and with the patient’s permission, notify their family and the DMV, unless the patient has already done so.

Those are some of the key conclusions discussed in a story in the Spring 2016 Dateline newsletter published by the Medical Liability Mutual Insurance Co.

According to Donnaline Richmond, counsel to the company, doctors need to document every step they take to protect themselves and their employer.

Doctors know patients will rarely do what’s required and report a disabling condition to the DMV, Richmond said. So doctors need to inform and warn patients of the risk of their medical condition – and fully document those warnings.

According to Richmond, among the steps doctors should document:

  • How medication or a medical condition make it unsafe for the patient to drive.
  • All attempts to communicate doctors’ concerns to the patients and their families, and their attempts to gain consent from patients.
  • All DMV paperwork completed for the patient, once the doctor has the patient’s written authorization.
  • All phone records from calls to patients and their family members regarding the patients’ inability to drive.
  • Patients’ written authorization to release medical information.
  • Reports to the Commission for the Blind and Visually Handicapped, if it applies.

Thanks for reading.

Christina Sonsire
[email protected]

 

 

 

 

 

 

 

 

 

 

 

 


Buckle Up Or Else! Twin Tiers Police Officers Join National Crackdown! Be Smart And Use Seat Belt At All Times, Says NY and PA Car Accident Lawyer

http://youtu.be/2jfUTIYHMvY

Police agencies across the nation — including the Twin Tiers — have launched a two-week “Click It or Ticket” high-visibility seat-belt enforcement drive this week, and are reminding motorists to wear seat belts on every trip, day or night.

Buckling up every time you get in a vehicle isn’t just important this month, or because you might get a ticket, but because it saves lives and prevents serious injuries.

We see the results of A LOT of car crashes – take it from us – you are much less likely to be seriously injured in a crash if you are wearing your seat belt. Otherwise, be prepared to meet your windshield face to face at 60 mph. 

0007H“We know seat belts save lives, and while we’re encouraged that national seat belt use is at an all-time high, we won’t stop our efforts until all motorists make the simple yet safe choice to buckle up on every trip,” said U.S. Transportation Secretary Anthony Foxx. “If you’re not buckled up, you’ll be ticketed.”

National Highway Traffic Safety Administration (NHTSA) data show that the use of seat belts in passenger vehicles saved an estimated 12,174 lives in 2012. Seat belts have saved nearly 63,000 lives during the five-year-period from 2008 to 2012, according to an NHTSA news release.

Nationwide, seat belt use was at a record high of 87 percent in 2013. However, nighttime seat belt use continues to lag behind daytime use. More motorists who are killed in crashes at night are unrestrained at the time of the crashes (61 percent) than those killed in crashes during the day (43 percent), the news release said.

This year’s campaign includes the “Fake-A-Rooney” advertisement (above) that airs nationally through May 26. The advertisement conveys the message that driving without a seat belt is not a joking matter, and officers take seat-belt violations seriously and will issue a ticket if you’re caught without being buckled.

There are no acceptable excuses or exceptions. Always wear a seat belt!

Thanks for reading,

Adam
__________________________________________

Adam M. Gee, Esq.
NY and PA Injury and Malpractice Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY  14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: [email protected]

 

 


Federal Judge Orders Insurance Giant To Pay $1M For Its Bad Faith Negotiations, Says NY and PA Personal Injury Lawyer

New York Central Mutual Fire Insurance Co., one of the most difficult insurance carriers the Ziff Law lawyers have encountered, has been ordered to pay $1 million to Quincy Mutual Fire Insurance Co. in a car accident case. A federal magistrate judge in Syracuse, NY said New York Central’s insistence on staying with its first settlement offer “epitomize(d)” bad faith negotiations.

NYCM logoThe dispute between these insurance companies came up after a New York Central policyholder drove through a stop sign and struck a car driven by a 37-year-old mother of three children. The mother had to have six surgeries and endured depression and post-traumatic stress disorder.

The judge said New York Central acted in gross disregard for Quincy Mutual’s interest when it stuck to a $75,000 settlement offer and lost two opportunities to settle with the victim of a serious car accident caused by a New York Central policyholder.

The report said New York Central could have settled the case for its policy limits of $500,000 or for $750,000 — figures far less than the nearly $1.5 million the car accident victim eventually received through a settlement. Quincy chipped in its full policy limit of $1 million, while the rest was covered by New York Central and its reinsurer, according to the decision.

quincyU.S. Magistrate Judge David Peebles appeared peeved by New York Central’s ultimate payment of $132,479 toward the settlement, which takes into account portions covered by New York Central’s reinsurer. New York Central exposed Quincy Mutual to up to $1 million liability and its policyholder to liability above $1.5 million — all for the risk of paying an additional $57,479 above its $75,000 offer, the judge said.

“Significantly, during the period the case languished, New York Central had the use of, and was therefore able to earn interest on, the full $132,479,” his ruling said. “These facts epitomize bad faith negotiations, suggesting gross disregard for the interests of Quincy Mutual and Warden and placing those of New York Central above them.”

New York Central, which provided a $500,000 auto policy to to the driver who caused the accident, handled the settlement negotiations that followed.

According to the ruling, there was a real chance that the victim would have settled for $500,000 in December 2005, a time when there was little hope that the driver who struck her would escape liability, the magistrate judge found.

New York Central lost another settlement opportunity in 2007, after a trial court “severely criticized” the primary insurer’s decision not to budge from its $75,000 settlement offer and highlighted that liability was firmly established and that interest was accruing.

At that point, the victim was willing to settle for $750,000, an amount that would have triggered Quincy Mutual’s homeowners policy, which provided $1 million in excess coverage, but would have put the excess insurer on the hook for less money.

“Had New York Central tendered its full $500,000 policy at that time, Quincy Mutual would have been responsible for only $250,000, which is $750,000 less than it actually paid,” the ruling said.

The magistrate judge was unconvinced by New York Central’s arguments that Quincy Mutual should have entered into negotiations earlier to help reduce its liability.

The actions New York Central Mutual was punished for here — delaying at every opportunity, making low ball offers, and failing to negotiate claims in good faith — are the same actions I see them take in every case I have with them. There are much better options in the insurance world than New York Central Mutual, and any readers out there who happen to have this carrier should consider this decision when deciding on who their insurance carrier should be, as have seen New York Central Mutual do these same things to their own insureds.  All insurance carriers are NOT created equal, so choose wisely!

Thanks for reading,

Adam
__________________________________________

Adam M. Gee, Esq.
NY and PA Injury and Malpractice Attorney
The Ziff Law Firm, LLP
303 William Street
Elmira, NY  14901
Phone: (607)733-8866
Fax: (607)732-6062
Email: [email protected]

 

 


Q&A: Don’t Let Insurance Companies Twist State Law After Motor Vehicle Crashes, Says NY and PA Accident Lawyer

Don't let insurance adjusters mislead you about the comparative negligence rule in New York State.

Don’t let insurance adjusters mislead you about the comparative negligence rule in New York State.

Welcome to the newest feature on our Ziff Law blogs, Questions & Answers.

If you have legal questions, we will try to provide answers here.

Q&A 1While we will answer questions about personal injury, medical malpractice and divorce law, our primary practice areas, we will also be glad to talk about car/motorcycle/truck insurance, medical bills, lost wages, property damage and any legal issue in the news.

If we can’t answer your question, we will refer you to a lawyer with expertise in that particular area.

Submit your questions by email to [email protected]

Today’s question is from a Twin Tiers resident who received misleading information from an insurance adjuster after a minor car accident.

Question: I was in a car accident yesterday evening. A woman failed to stop at a stop sign and pulled out in front of me, and I struck her vehicle on the front driver side.

I just spoke with my insurance adjuster and she indicated that New York State has a shared responsibility law, or something like that, and that the insurance adjusters determine who was at fault and how much fault each party has.

signThe officer at the scene indicated the woman driving the other vehicle was clearly at fault because she failed to stop at the stop sign and pulled out in front of me.

Why should I have to share responsibility in this accident? There was nothing I could do to avoid the accident. Fortunately, there were no injuries, but I still feel that since she was fully responsible for the accident, her insurance should pay for the repairs to my vehicle.

Why should I have to pay the deductible out of my pocket through my insurance and claim this on my insurance if I was not at fault?

Does New York State really have such a law of shared responsibility, even if one driver is clearly at fault?

Answer: N.Y. does have a comparative negligence rule, which basically means that each party is responsible for their percentage of fault. For instance, if the other driver was 100 percent at fault, the other driver is 100 percent responsible for all damages.

Jim Reed

Jim Reed

On the other hand, if a judge or jury determines that the other driver was 80 percent at fault and you were 20 percent at fault, the other driver (and their insurance company) would only have to pay 80 percent of your damages.

Because New York State is what is called a “pure” comparative negligence state, you can collect from the other driver in direct ratio to their percent of fault, even if they are less than 50 percent responsible. (However, there are some exceptions to this general rule, so I recommend consulting with a lawyer.)

This comparative negligence law makes sense and is logical, but the way in which the insurance carriers often try to apply this law to cases is horrible. Even in cases of absolutely clear liability, where the other driver is 100 percent at fault, the carriers will often try to claim that you were 20 percent, 30 percent, 50 percent at fault, and will refuse to pay 100 percent of your property damage. I have had them do this in rear-ender cases, drunken driving cases, and other clear cases, and they are betting that most people just want to get their property damage check and will not fight them on this.

My advice is to NOT let insurance companies get away with this nonsense. Go talk to a lawyer and see if they can help you with the insurance carrier. Sometimes just the threat of a possible lawsuit over the property damage or personal injury claim is enough to have the carriers not jerk you around regarding the property damage claim.

Depending on the amount of your property damage, you can also take the other driver to Small Claims Court, suing them for 100 percent of the damage they caused.

And finally, you can (and should) file a complaint with the New York State Department of Financial Services (used to be called the N.Y. Insurance Department) about the insurance company’s dirty tactics.

File a complaint here.

Good luck and I wish you the best in fighting the good fight!

Jim
_________________________________

James B. Reed
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

You Have Legal Questions, We Have Answers! Welcome To The New Q&A Feature On Our Blogs

Jim Reed, managing partner of the Ziff Law Firm.

Jim Reed, managing partner of the Ziff Law Firm.

Welcome to the newest feature on our Ziff Law blogs, Q & A.

While we will answer questions about personal injury, medical malpractice and divorce law, our primary practice areas, we will also be glad to talk about car/motorcycle/truck insurance, medical bills, lost wages, property damage and any legal issue in the news.

If we aren’t able to answer your question, we will refer you to a lawyer with expertise in that particular area.

Submit your questions by email to [email protected]

Our first question is adapted from my Feb. 12 appearance on “Law Talk,” a segment during the WETM News at Noon. In “Law Talk,” the Ziff Law lawyers talk about legal issues that come up with events in the news at about 12:20 p.m. Wednesdays.

Q: A Steuben County woman was recently sentenced to three years’ probation and 200 hours of community service in connection with a teenage drinking party that ended in the death of a 16-year-old boy, who was struck and killed by a tractor trailer. The mother was charged with first-degree Unlawfully Dealing With A Child and two counts of Endangering The Welfare Of A Child because police said she attended the party with her teenage daughter and provided alcohol to the children. The boy’s family said the sentence was too light. In general, how do courts decide sentencing in a case like this?

Q&A 1A: Unlawfully Dealing With A Child means you are providing alcohol to someone under 21 years old. It is a Class A misdemeanor that carries with it a sentence of up to one year in jail or a $1,000 fine. The mother in this case received just probation and community service.

Given the fact that the sentence could have been up to a year in jail, many people may wonder, what happened?

Well, in sentencing, the judge gets a report from the county probation department called a Pre-Sentence Investigation (often called a PSI). The PSI reveals a lot of information about the defendant, including whether they have a past criminal record, and it goes into some of the circumstances in that person’s life.  The PSI also describes the victim of the crime and any damages suffered by the victim.

The judge reviews the report and he has a wide range of discretion to impose a sentence. It this case it could have been anything from probation to up to a year in jail. We call that “judicial discretion.”

There is also “prosecutorial discretion”, where prosecutors have a wide range of options on the charges. In this case, the prosecutor could have considered going for a felony, Criminally Negligent Homicide; that’s where the defendant is criminally negligent causing the death of another person. There is also a second-degree Manslaughter charge, where the defendant recklessly causes the death of another person. That is a higher-level felony.

There are a wide range of things that can happen in these types of cases.

People have to understand that when there are intoxicated minors, the consequences can be very, very serious.

People can go to jail for a long time, so my best advice is: never provide alcohol to minors!

Please appreciate that while we are happy to try to provide you some basic legal information, doing so does NOT create an attorney/client relationship (unless you formally retain us to represent you). The information provided is general information and should NOT be considered legal advice. Also appreciate that in order to give definitive legal answers, it is critically important that a lawyer meet with you to get all the necessary details to provide a definitive answer so we encourage you to review the information we are providing with your own lawyer.

Thanks for reading!

Jim
_________________________________

James B. Reed
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

 


Unsafe Trucking Industry Needs Higher Insurance Limits

7733459308_cba851214f_nThe American Association for Justice has hit the road again this summer with its 18-page “Truck Safety Alert: The Rising Danger from Trucks, and How to Stop It.”

It should be required reading for all drivers!

According to the report:

“Trucks are the predominant means of freight transportation in the United States, with a 67 percent market share. The nearly 11 million trucks that travel U.S. roads each year make up only 4.7 percent of all passenger vehicles, yet are involved in 12.4 percent of all fatal crashes. Fatalities (per miles driven) are 17 percent higher for trucks than for passenger vehicles.

“According to the Federal Motor Carrier Safety Administration (FMCSA), the rate of truck accidents and fatalities has begun to creep up after several years of decline .In 2011, the most recent year for which data are available, 3,757 people died in collisions with trucks and 80,000 more were seriously injured. The death toll marked the second straight year fatalities rose, and an 11.2 percent increase over 2009’s record low. Fatalities in truck crashes increased across all categories, with the greatest increase being the 21 percent increase in truck occupant fatalities in multivehicle crashes. Such fatalities have now increased
40 percent since 2009.”

truck signThe association warns that the number of truck crash fatalities is likely to go up because there are going to be more trucks on the road, and they’re getting bigger.

Here’s another chilling number from the report: “In fatal two-vehicle crashes involving a passenger vehicle and a large truck, 97 percent of the deaths were the occupants in the passenger vehicles.”

Too often, trucks are carrying  a load that is too large, or they’re being driven by operators who are fatigued or abusing substances.

Too many unsafe trucks slip through the roadside inspection process and new technology aimed at making trucking safer often is too expensive for the small truck companies to install.

Despite all the facts and statistics listed above, those dangerous trucks are only required to carry $750,000.00 in insurance coverage by the FSCMA! Trust me, when a tractor trailer takes out a family of 5, $750,000.00 is not enough.  When a tractor trailer maims a father and husband who can never work and support his family again, $750,000.00 is not enough.  When a tractor trailer crashes into a line of stopped vehicles and injures multiple people and totals 10 cars, $750,000.00 is not enough.

The owners of these tractor trailers should be made to carry enough insurance to fully reimburse anyone they injure.  It’s time that the FSCMA catch up with the times and mandate insurance limits that reasonably reflect the potential harm these 80,000 pound trucks present to the motoring public.

I urge you to read the full report here.

Thanks for reading, and remember to use extra caution around trucks when you are traveling on our nation’s highways – that truck may only have $750,000.00 in insurance coverage.

 


Free Book Takes Mystery Out Of Car Insurance Policies For NY Drivers, Says NY and PA Accident Lawyer

Get our free book today to protect yourself in case you're in an accident.

Get our free book today to protect yourself in case you’re in an accident.

It’s almost the start of a new year, so now is a good time to review your car insurance policy.

As you dig out your policy, ask yourself two questions:

1.  Do I have enough insurance to protect me and my family if we have an accident that’s my fault?

2.  How can I better protect myself if I have an accident caused by another driver who has no or inadequate insurance? (You could end up paying for your own recovery, and your medical bills could be staggering.)

If you’re like most drivers, you accept the minimum levels of coverage to keep your costs down. But those low levels can get you in trouble if you have an accident, regardless of whether it was your fault.

Before you call your car insurance agent with these questions, read my free, 34-page book, “Learn the Five Secrets to Buying Auto Insurance.” It’s available here.

As I say in the book, I wrote it to level the playing field between you and your insurance company. I’ve been helping folks whose lives have been changed by careless drivers for more than 20 years, and many people come to me for help because the New York State insurance laws are very confusing.

Insurance companies like to keep their customers in the dark. They do a terrible job of educating consumers and they are far more interested in profits than helping their customers.

As managing partner of the Ziff Law Firm and an injury attorney, my job is to help those who are seriously injured recover their lost wages and pay their medical bills, and make sure they receive fair compensation for their pain and disability.

My book makes car insurance in New York understandable. I break down the two general categories of insurance coverage:

  • Liability coverage, which protects the other person if you injure someone else.
  • Coverage that protects you and your passengers.

This includes no-fault insurance coverage and Supplementary Uninsured/Underinsured Motorist (SUM) coverage.

My book explains how much insurance is enough insurance to protect you in case you have an accident, whether it’s your fault or the other driver’s.

A recent New York Times story cited some alarming statistics nationwide about insurance coverage:

  • The Insurance Research Council’s most recent estimate, from 2009, is that 13.8 percent of all United States drivers have no insurance at all.
  • ISO, an insurance risk information service, said that about 20 percent of people who do have insurance purchase just the minimum liability coverage in case they hurt someone else. The policies pay out as little as $25,000 in New York and $15,000 in Pennsylvania. That’s less than the cost of one day in a hospital!

The SUM (Supplementary Uninsured/Underinsured Motorists) coverage is the most critical component of your car insurance policy.

For example, I met with a local businessman recently who had $500,000 of liability coverage to protect others should he have an accident, but only $25,000 to protect himself and his family in that very same accident.

Needless to say, he was shocked to learn that his insurance coverage was so deficient but happy to learn that he could buy the SUM coverage he needed for less than $10 a month.

So PLEASE dig out your insurance policy and check your coverage, then order our free book and protect yourself and your family.

After reading my book, if you are still unsure whether you have the proper types of coverage and the right amounts of coverage, feel free to email me the declaration pages listing your coverage and I will be happy to let you know what I think. You may email me at [email protected] Of course, there is no fee for this review – I just want to make sure folks get the coverage they need.

Residents of Elmira, Corning and the Twin Tiers — may you have a safe and happy holiday season, and a prosperous 2013!

Thanks, Jim

_________________________________
James B. Reed
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com