In one of my last posts, I talked about what the insurance companies do not want you to know. They do not want you to know that most, if not all persons who were driving a car, who did not drive safely (i.e. did not follow the rules of the road) who injured another Hoosier and who has been sued by that injured person has insurance to pay for the harm caused. Everyone has insurance. It is mandatory.
What you may not know is that not everyone has enough insurance to pay for all the harm they cause. For example, say you are in a drunk driving accident. Say you are hurt badly. Say the drunk driver has $50,000.00 in liability insurance to pay for they harm he caused. Your medical bills alone are $150,000.00, and that does not figure in your lost wages and your permanent injury which will not allow you to return to your old job. Ah, but you say, I was smart, I bought Underinsured Motorist Coverage (UIM) to protect myself. UIM coverage is a type of coverage you can buy that will pay for the serious personal injury caused by another who does not have enough insurance to cover your harms. Now you say to yourself, well I bought UIM insurance in the amount of $100,000. You think to yourself, well at least I have a total of $150,000.00 ($50,000 from the drunk driver and $100,000 UIM) to help me pay my bills. You call your insurance company and tell them you are making your claim for the $100,000.00 in UIM coverage you bought to protect yourself. The insurance company says, Sorry, in Indiana, we (the Insurance Companies) are protected by a law (which we lobbied hard for by wining and dining legislators and getting the kind of access to power that you Joe Hoosier can only dream of getting) which allows us to offset the $100,000 of UIM coverage you bought from us (and paid full price for) by the amount of the drunk drivers liability insurance. You say, that’s crazy, why didn’t you (Insurance Company) tell me that when I bought the UIM coverage? You get some snarky reply like because you did not ask.
You are mad so you go to a lawyer to find out your rights. The lawyer tells you that the Insurance companies influence in Indiana is strong and that they do indeed enjoy the protection of the setoff.
I am that lawyer, and I have had that conversation with many Hoosiers who just can’t believe its true. I tell them we all need to stand together against these kinds of injustice, but it is difficult to overcome the influence the insurance companies money achieves. I say lets get rid of the setoff. Let Hoosiers get the benefit of what they thought they were buying to protect themselves.
My Experience As A Personal Injury Lawyer Representing Hoosiers in Serious Accidents
A week ago I penned a blog entry about texting and driving. We see it all the time in our practice causing all kinds of serious personal injuries to our clients. I wrote that teens seem to be more aware about the dangers of drunk driving accidents and are using good judgment in using cabs or designated drivers. I also talked about the dangers texting and how it causes the driver to have the same attentive cognition as a drunk driver. Unfortunately my worries were confirmed by a study released by the
In what must be one of the most ironic stories of the year, Police say a motorcyclist participating in a protest ride against helmet laws died after he flipped over the bike’s handlebars and hit his head on the pavement. 55-year-old Philip A. Contos of Parish, N.Y., was driving a 1983 Harley Davidson with a group of bikers who were protesting helmet laws by not wearing helmets. He hit his brakes and toppled over the handlebars. He was pronounced dead at a hospital. Troopers say Contos would have likely survived if he had been wearing a helmet. We are saddened for Mr. Contos’ family. However, this story is a teaching moment. Helmets prevent more serious injuries. Helmets are comfortable. Helmets should be worn at all times.