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

 


Auto Insurance Coverage Vs. Workers Compensation: Who Pays The Bills?

By definition, accidents aren’t supposed to happen. I think we do all we can to learn from them – and use what we learn to reduce the risk. That’s how we develop safer cars, roads, and driving rules. But accidents aren’t absolutely avoidable – which means you have to be prepared, and understand your options if you are ever in a car crash.

A local man and woman were very seriously injured last week in a car accident that’s cause is still unknown. WETM reported the incident in the story “Southport Woman in Critical Condition After Crash” (pasted below). The woman veered out of her lane and hit a bakery truck in the oncoming traffic on Route 352. The truck driver was seriously injured too.

A crash like this raises a lot of questions: “What happened?” and “Why?” And then “What happens next?”

After an auto accident, that question is strongly connected to Auto Insurance. How does it work to cover damages and injuries? It’s a complicated topic, which I’ve helped many clients understand. There are even a different set of rules when motorcycles are involved, a topic I write about frequently on my motorcycle blog, the NY Biker Law Blog.

In the Route 352 accident, the driver of the car, who appears to be at fault, will have coverage for her injuries through the No-Fault portion of her policy. The bakery truck driver was likely working at the time of the accident, meaning that rather than No-Fault, his Worker’s Compensation carrier would be responsible for paying his medical bills and lost wages.

What is “No-Fault” Insurance?

We have an FAQ section at ZiffLaw.com devoted to the legal issues our firm covers, from injuries and accidents to family law; bankruptcy, medical malpractice to real estate. There’s a section explaining No-Fault coverage and how it works.

No-Fault Insurance in New York state means that the insurance carrier for your vehicle, rather than the insurance carrier for the other vehicle, pays your medical bills or lost wages. This is true regardless of who was at fault in causing the accident, hence the name.

Some No-Fault benefits:

  • All No-Fault policies in New York are required to provide TOTAL coverage of no less than $50,000 for both medical costs and lost wages.
  • No-Fault covers hospital and medical expenses.
  • No-Fault covers lost wages at 80%, up to $1,000 per month (that’s the N.Y. minimum, some policies pay more) for a period not exceeding three years

What doesn’t No-Fault cover?

No-Fault does not apply to property damage claims. Such claims are usually paid for by the insurance carrier for the vehicle that caused the collision or by your carrier if you carried collision coverage.

No-Fault does NOT apply to motorcycles. Check out the explanation in my motorcycle insurance FAQs to see how motorcyclists are treated differently, or order a free copy of my book, “Would You Ride Your Motorcycle Naked?” It explains how many motorcyclists are riding “naked” because they don’t have the proper insurance coverage – and don’t even realize it.

It’s sad when accidents happen and people get injured. I think about Chris Ackley, the truck driver, just doing his job and probably a family and children relying on him at home.  He did nothing wrong, and yet he is now laying in a hospital bed.  No one yet knows why the accident happened, why the other driver left her lane. We have seen it happen many, many times in other cases. She could have been distracted by her cell phone, texting, changing the radio station, eating, or even putting on nail polish, the cause of a fatal accident I recently blogged about in the post “‘Nail Polish Crash’ Driver Sentenced for Causing Fatal Motorcycle Accident.”

Thanks for reading and please drive safely!

Adam

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

Visit the NY Biker Law Blog at www.NYBikerLawBlog.com!

Southport Woman in Critical Condition After Crash

Reported by: Naveen Dhaliwal ([email protected])

BIG FLATS – A Southport woman is in critical condition in Rochester.

The Chemung county sheriff says the crash happened about 10:15 am on Thursday morning on State Route 352 in the Town of Big Flats.

They say Christina Pappas of Southport was driving her jeep Cherokee westbound.  She veered into the eastbound lane and hit a Stroman’s bakery truck.

The Sheriff says the truck driver is 52-year-old Christopher Ackley.  Ackley is in stable condition at a local hospital.

Pappas is in critical condition in Rochester.  The Sheriff says the road was closed for about an hour and a half.  The road is open now.


New York Accident Lawyer Explains Why Pursuing a Big Judgment May NOT Be a Good Idea

You would think if you are badly hurt in a car accident, it would make sense for you to pursue a BIG judgment against the driver who hit you, right? Not necessarily…

A recent dialogue with a client  got me thinking about how backwards it may seem to folks when I tell them that I cannot recommend taking their case to trial because they may be better off taking the insurance money – even if that insurance money clearly is not sufficient to fully compensate them for their injuries.

Heck, if the insurance money isn’t enough, why wouldn’t you want to get a judgment against the bad guy and then collect the money directly from the bad guy?car-insurance

The short answer is that sometimes judgments aren’t worth the paper they are written on. You have heard the expression “You can’t get blood from a stone?” Likewise, you can’t collect on a judgment unless the person against whom you have the judgment has some money or other assets subject to collection. The plain hard truth is that most often when a person does not have good insurance coverage, they also don’t have any real $ to collect against.

  • First, collection may be difficult/impossible because of the lack of assets. You may think, why not get a judgment anyways? What if the person who didn’t have the assets to settle a judgment suddenly hit the lottery or came in to a lot of money? Well, first we would have to know about his windfall – and he’s not going to make that easy. Then he’d have to be dumb enough to put it in a bank where we could reach the money – THEN we might be able to collect on the judgment.

However, collecting on a judgment is very tough and there are plenty of ways for a debtor to hide or shelter money from collection. In fact, I have a judgment for $400,000 I obtained 8 years ago and I have spent close to $30,000 on collection lawyers and we have yet to receive a single penny. For all of these reasons, pursuing a judgment doesn’t turn out to be the solution one would think…

  • Second – and this is related to the first point – we don’t get a penny of the money from the car insurance carrier unless we sign a Release releasing the driver from any personal liability. In other words, we are over a barrel – if we want the insurance $, we have to let the driver go. I know the insurance payment is only $25,000, but $25,000 is better than a possible zero.

Now, don’t get me wrong – the insurance will pay $25,000 toward the judgment, but that is all they would be required to pay. So that leads us to the third point…

  • Third, it costs money to pursue a judgment because to do so we have to go to trial and the average cost of a trial like this would be approximately $8,000-$10,000. This is just for costs (i.e. doctor’s testimony, court costs, transcription fees, etc.) and doesn’t include a penny of my fee. I hate the idea of eating up that much in costs when the maximum insurance coverage is only $25,000.

For all these reasons, I think pursuing a judgment is not always a good idea. Ultimately, however, it is the client’s decision and I will pursue whatever course he prefers. I just help him make an informed decision.

I hope this clarifies this issue for my blog readers. Please, if you have questions about this topic, don’t hesitate to call or e-mail me for more information.

Thanks,

Jim
_________________________________

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

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Who Pays for the Damage to My Car in NY Car Accidents? NY Accident Attorney Answers this question…

car-fender-benderI hate to say it, but car damage involving collisions, deer, snow and ice, floods, theft, vandalism, or other unfortunate events is much more common than any of us wish.  No one wants their car crashed, but since car damage tends to be an inevitable fact of car ownership, you need to know about the different types of car insurance that may (or may not) provide coverage.

What the REAL Questions Are:

  • What do I do now that my car or truck has been damaged?
  • Do I have insurance coverage for the damage?

Here are some tips to help you understand insurance and repair issues for your car or truck.  The information below is talking about coverage in New York but the coverage issues are similar in other states.  If in doubt about your state, talk to a knowledgeable agent or lawyer.

First, Notify Your Insurance Agent/Carrier of Your Damage ASAP

Because most insurance policies require prompt notification of any accident or damage as a requirement for coverage, you should immediately notify your insurance agent of the damage to your vehicle.  Make sure to document the date, time and person who you notified of the damage.  To be extra careful, it is a good idea to confirm your notice either in an e-mail or letter.  Better safe than sorry!

Once you have notified your agent, your experience will be shaped by the type of insurance coverage you purchased to cover any property damage to your vehicle.  Below is a discussion of some of the typical types of coverage:

Collision vs. Comprehensive Coverage

On your own car insurance policy, you can purchase insurance to protect your car from damage.

Collision Coverage protects you from accidents which are deemed your fault.  If you crash into another car, building, tree, etc., Collision coverage will pay to fix it.

Comprehensive Coverage protects you from damage to your car or truck caused by deer or other animal crashes, theft, flood, vandalism, or other events not involving collisions.  If your car is damaged by one of these events, your comprehensive coverage will reimburse you.

If you finance or lease your car, you will likely be required to purchase both Collision and Comprehensive coverage.  It is also a good idea to purchase this coverage if you have a relatively new car which would be expensive to repair or replace.  The cost of Collision or Comprehensive coverage can be reduced by increasing your deductible, which is the amount you have to pay yourself before the insurance company must start paying for damage or loss.

Glass Coverage

This coverage pays for damaged glass to your car and often this coverage has a $0 (zero) deductible.

GAP (Guaranteed Auto Protection) Insurance

If your car or truck is crashed and “totaled” (cannot be repaired for less than its value), then you might end up owing more to your bank or lease company than your insurance will pay you for your car.  Insurance must pay the Actual Cash Value (ACV) of the car, which is often much less than you owe because vehicles depreciate in value quickly.  GAP insurance will make up the difference so that you do not end up upside down on your loan or lease.  If the ACV is $10,000, but you owe $15,000 on your loan or lease, GAP insurance makes up the $5,000 shortfall.

Tips for Cars That Have Been Declared aTotal Loss

If the insurance company decides that your car will cost more to fix than its ACV, it will be considered a “total loss.”  If the car was totaled because of a collision caused by another driver, you can make an insurance claim against that driver or with your Collision coverage.  Talk to your attorney and insurance agent to decide which would be best for you.

When your car is declared a total loss, consider the following:

  • Tell the appraiser about recent repairs and special equipment on the car.  Make sure that all of your car’s options and upgrades have been included in the appraisal and the car’s condition was properly rated.
  • Research car values and sales on the Internet.  Do not accept the first offer – negotiate a fair price.
  • Insist on a fair number of days in the rental car to allow you to find a new car.

Tips for Fixing Your Wrecked Car

The insurance company may try to steer you to their “approved shop.”  Beware of the potential conflict of interest.  If the shop does substantial work for the insurance company, there may be a motive to cut costs in repairing your car.

You have the right to choose where your car will be repaired.  Get a referral from someone you trust.  Check references and research the shop’s reputation. With that said, I don’t mean to imply that all “approved shops” are necessarily bad. For example, Elm Chevy and Gary’s Body Shop are good examples of reputable dealers who work with State Farm, Allstate, Erie, etc.

Using an approved shop sometimes eliminates the need for an adjustor to come out and see your car, especially with small claims like deer or fender benders.  But YES, the customer can go anywhere they want to fix their car.

Also, be sure to ask what parts will be used in the repair, Manufacturer Parts, After-Market Parts (non-Manufacturer but new), or Used Parts from a junk yard.  Although your insurance policy usually governs what type of parts can be used, you have a right to know what will be used and why.

If the collision was the fault of another driver, you can choose to go through the other driver’s policy or your own Collision coverage to get the car fixed.  Talk to your insurance agent, attorney and body shop about which would be better given your situation.

Rental Car Coverage

Not all policies have rental car coverage, so it is important that you carefully review your policy to see the exact terms of your coverage.

My thanks to Peter Wallin at Wallin Insurance for his input on this post.

I hope this helps you understand the confusing world of car damage coverage.  Feel free to post any questions you may have in the comments below or E-mail me at [email protected]

Thanks for reading,
Jim
_________________________________________
James B. Reed, Esq.
Personal Injury & Malpractice Attorney
Ziff Law Firm, LLP
303 William St., Elmira, NY 14902
Tel. (607) 733-8866  Fax. (607) 732-6062
Toll Free 1-800-943-3529
mailto:[email protected] http://www.zifflaw.com

E-mail me at [email protected] for two free books:
NY Car Accidents and NY Car Insurance Secrets YOU Need to Know.

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Motorcycle Insurance Misconceptions Part 7 – The Insurance for The Car That Hit Me Will Pay My Bills!

MOTORCYCLE INSURANCE MISCONCEPTION PART 7 -THE INSURANCE FOR THE CAR THAT HIT ME WILL PAY MY BILLS!

Another common misconception I hear is that if the biker is not at fault for the collision, the insurance for the car that is responsible will pay their damages. This is only partially true.

Car insurance, not motorcycle insurance, has two general categories; liability coverage and coverage that protects the operator and his or her passengers known as “no fault” insurance. As stated in a previous post, if you are injured in a motorcycle collision, even if it wasn’t your fault, there is no “no fault” insurance for the motorcycle occupants. Under New York’s rules, you are NOT eligible for the car’s no-fault coverage because you were not a passenger in the vehicle. Your damages can be covered by the liability portion of the car’s insurance policy, but the problem is when those damages are paid.

The insurance company for the car responsible for your injuries can’t be MADE to pay anything until a jury orders them to pay. And that may be YEARS after you were injured. They won’t pay your lost wages as they are incurred. You can’t submit your medical bills and have them paid as you receive treatment. Under the liability portion of a policy, insurance companies make only one payment in full and final settlement of your case. Depending on the complexity of your case and the nature of your injuries, that could take years.

For a limited time, I am offering a FREE INSURANCE REVIEW! Send me a copy of your motorcycle insurance declaration page by fax or e-mail, and I will explain to you what your policy covers and what it doesn’t, and also recommend coverage amounts you should consider to make sure you are protected in the event of a motorcycle collision.

This post is the seventh in a eight-part series based on my book, “Would You Ride Your Motorcycle Naked?” My book is available FREE to New York and Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

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

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Motorcycle Insurance Misconceptions Part 6 – MY MOTORCYCLE INSURANCE WILL PAY MY BILLS!

MOTORCYCLE INSURANCE MISCONCEPTIONS PART 6 – MY MOTORCYCLE INSURANCE WILL PAY MY BILLS!

“My motorcycle insurance covers my medical bills and lost wages just like my car insurance”

Another common misconception people have is that their motorcycle coverage will cover their medical bills and lost wages just like their car insurance. Nothing could be further from the truth. Unlike with cars, there is no “no fault” coverage for motorcycles. Basic motorcycle coverage is designed to cover property damage and personal injuries sustained by others in the event you are found responsible for a collision. It is not designed to protect YOU!

For a limited time, I am offering a FREE INSURANCE REVIEW! Send me a copy of your motorcycle insurance declaration page by fax or e-mail, and I will explain to you what your policy covers, and what it doesn’t, and also recommend coverage amounts you should consider to make sure you are protected in the event of a motorcycle collision.

This post is the fifth in a eight-part series covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York or Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

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

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Motorcycle Insurance Misconceptions Part 4 – My Car Insurance Will Cover Me If I am Hurt On My Motorcycle!

Motorcycle Insurance Misconceptions Part 4 – My Car Insurance Will Cover Me If I am Hurt On My Motorcycle!

As previously mentioned, there are a lot of misconceptions about motorcycle insurance. I couldn’t begin to list of all of them, but I will discuss and dispel the most common and most dangerous one I hear on a regular basis in the motorcycle collision cases I handle.

MISCONCEPTION #1

“No worries, my car insurance will cover me if I am hurt on my motorcycle!”

The single most common misconception I hear is people thinking they don’t need to purchase a lot of motorcycle coverage, because their car insurance will cover them in the event of a collision. DON’T MAKE THIS CRITICAL MISTAKE! You are NOT covered by your car insurance for an accident on your motorcycle! In fact, every motor vehicle policy contains an exclusion specifically denying coverage for injuries sustained while operating a motorcycle. It doesn’t matter whether your car insurance is through the same company, whether the bills get mailed to you in the same envelope, or whether the same agent sold you the policy. Your car insurance WILL NOT cover you for an accident with your motorcycle.

This post is the fourth in an eight-part series covered in my book, “Would You Ride Your Motorcycle Naked?” It is available FREE to New York and Pennsylvania bikers, and to those whose loved ones are bikers. Click the link above to get your free copy now, before it is too late!

Thanks for reading,

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

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Can I Sue My Kid for Crashing My Car Into My Garage?

For all of us who have teenage drivers in the house, I just read a great post by NY Insurance coverage expert Roy Mura entitled: Suing the Kid for Crashing the Car Into the Garage. I strongly urge you to read Roy’s full post but the highlights are below:

Roy was asked: Can an unemancipated child be held “legally responsible” to a parent for crashing mom’s car into the garage?

He answered: In New York, the answer is yes. In 1969, in the case of Gelbman v. Gelbman, the New York Court of Appeals abolished the intrafamily immunity doctrine and permitted a mother to sue her unemancipated minor son for injuries she had sustained in an auto accident while riding as a passenger in a car her son was driving. Gelbman remains “good law” in New York.

But then Roy went on to ask the really relevant and practical question: Is there insurance coverage for the kid crashing the car into the garage?

Roy answered by saying that there probably is coverage for damage to the garage (but not its contents) under a homeowner’s policy and “there would also be liability coverage favoring the child under a personal auto policy that provides coverage for “damages for … ‘property damage’ for which any ‘insured’ becomes legally responsible because of an auto accident.”

Roy’s parting tongue-in-cheek comment is that while you might be able to successfully sue your kid for wrecking your car and your garage, and even though there might be insurance coverage to cover it, you might face non-renewal of your insurance coverage when your policy is up for renewal. That certainly is food for thought… 🙂

Thanks for reading, Jim
______________________________

James B. Reed, Esq.
Personal Injury & Malpractice Attorney
Ziff Law Firm, LLP
303 William St., Elmira, NY 14901
Tel: (607) 733-8866
Fax: (607) 732-6062
Toll Free: 1-800-943-3529
Email: [email protected]
Web: http://www.zifflaw.com

Please visit the New York Injury Law Blog at: http://www.NYInjuryLawBlog.com

Email me at [email protected] for two free books:
NY Car Accidents and NY Car Insurance Secrets YOU Need to Know.

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Online Course Can Cut Your Auto Insurance Cost

Like saving money? Who doesn’t! (Especially in this economic climate!)defensive-driving

I just received a compelling money-saving tip from my good friend Peter Wallin, of Wallin Insurance in Elmira.

Peter’s most recent edition of the Wallin Insurance Newsletter included a tip about the New York state Defensive Driving Class – a class that can save you 10% on your auto insurance. Maybe you’ve heard of the class before, but the latest twist is that the course is now offered ONLINE.You don’t even have to leave your house to become a better driver!

The New York DMV-approved test is offered online at a number of sites. The one recommended by Wallin Insurance is I Drive Safely, www.idrivesafely.com.

Here is Peter’s personal assessment of the class:

  1. It does take 6 hours but you can take breaks along the way – you actually have 30 days to complete the course from the comfort of your own home.
  2. There are videos and cool demonstrations that make it interesting.
  3. There are 6 modules with quizzes at the end of each. If you pay attention to the material it’s fairly easy.
  4. The class has a unique voice verification system where they call you several times during the class to confirm that YOU are actually taking the class yourself.
  5. Once you complete the class your official certificate will be mailed to you – and it’s good for 3 years.

The cost of the class is $48.95. All the drivers in a household can take the course, and it can save each 10% on their current auto insurance rate for 3 years.

In addition, Wallin Insurance is even offering a $20 personal refund for clients who take the test.

It’s only smart – save and play it safe!

You can e-mail Peter Wallin at [email protected] and visit www.wallininsurance.com to sign up for the newsletter yourself.

Thanks for reading,
Jim
_________________________________________
James B. Reed, Esq.
NY Accident Lawyer
Ziff Law Firm, LLP
303 William St., Elmira, NY 14902
Tel. (607) 733-8866 Fax. (607) 732-6062
Toll Free 1-800-943-3529
mailto:[email protected] http://www.zifflaw.com

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Accident Attorney Warns: Bad Economy Means Millions Lack Auto Insurance

Insurance Research Council study finds 16 percent of US drivers may not have insurance.

One in six drivers won't have insurance.

Every day it seems that there are crazy new consequences of the recession.

  • Boaters are sinking their own boats to avoid paying slip and maintenance fees.
  • People are letting their horses go free to avoid paying boarding and feed costs.
  • Libraries are becoming physical and emotional support centers.

Times are VERY tough. As a personal injury lawyer in New York and Pennyslvania, one of the scariest stories I’ve heard is that the recession is causing drivers to let their auto insurance lapse.

But it’s the law, not a luxury!

MSN.com just reported that a new study found 1 in 6 motorists won’t have auto insurance coverage by the end of the year.

The news story “Economy leaves millions of drivers uninsured” told how the Insurance Research Council predicts a sharp increase in the number of uninsured motorists on the road, a direct consequence of the economic downturn.

More than 16% percent of drivers will be uninsured. That’s about 33 million drivers in the U.S.

I don’t know about you, but I DON’T like those odds.

I wrote a book about auto insurance in New York. I put the most important things I learned during more than 20 years as a New York personal injury attorney into it.

“Learn the Five Secrets to Buying Auto Insurance in NY” explains how you can protect yourself from uninsured drivers by purchasing a special type of insurance. It’s even more vital for you to know about this coverage now – when the chance is high that you could be in an accident with an uninsured driver.

The SUM secret

I’ve long considered Supplementary Under-/Uninsured Motorists the MOST IMPORTANT COVERAGE you can buy.

SUM coverage is not popular with insurance companies because the premiums are low and the potential payouts are high. ASK YOUR INSURANCE COMPANY REP ABOUT SUM COVERAGE.

SUM will cover you and your passengers in the event that the other driver is driving illegally without insurance, or driving without adequate insurance to cover your damages.

The recession is one more reason why EVERYONE must be sure they have adequate SUM coverage. You CANNOT count on the other guy have sufficient coverage to protect you and your family.

I know I’ve beat this drum before, but the tune has changed. I can’t stress the SUM subject too many times – especially in light of this new research.

Be safe,

Jim
_________________________________________
James B. Reed, Esq.
Personal Injury & Malpractice Attorney
Ziff Law Firm, LLP
303 William St., Elmira, NY 14902
Tel. (607) 733-8866 Fax. (607) 732-6062
Toll Free 1-800-943-3529
mailto:[email protected] http://www.zifflaw.com

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