• Does My Insurance Policy Cover Damage Caused by Riots and Vandalism?

    The answer to this question is…PROBABLY. It really depends on two things. First, does your insurance policy specifically list riots and vandalism as covered “perils?” Most insurance policies do.  Assuming you’re in the majority, the next thing you need to look at is whether your building was vacant, and if so, for how long. Most policies have an exclusion for vacant buildings. In other words, if the building was vacant at the time the damage occurred, you’re not covered. Policies typically specify how long the building must be vacant before coverage is excluded, so check your policy to see how long you have before you lose your coverage. So if your building was occupied, the GOOD NEWS is that you likely have coverage if your building was damaged. The BAD NEWS is that you might have some cleaning up to do. If you need some help swinging that broom, give us a call. 888.550.4026. We’re not afraid to roll up our sleeves and get to work. One last note. Just because you’re covered, doesn’t mean you’re totally covered. Your amount of coverage for riots and vandalism may be limited by the policy. Check your limits and pay the additional money for a rider if you think your policy doesn’t provide enough coverage.
  • The Stockley Verdict is Out – Here’s the Evidence

    So the Stockley verdict is out. He was found not guilty. What do you think? Review the evidence for yourself.

    Not Guilty Verdict

    Findings and Verdict, by Judge Timothy Wilson

    State’s Memorandum in Favor of Guilty Verdict

    Argument for State, filed by Robert Steele and Aaron Levinson

    Defendant’s Memorandum in Opposition to Guilty Verdict

    Argument for Defense, filed by Neil Bruntrager and Brian Millikan

    Video Provided by St. Louis Post Dispatch

    Video Presented at Trial According to KMOV

    Photographs of the Scene, Vehicles and Guns

    What’s Your Verdict?

    So what do you think? Let us know.

  • Scar Injuries: If a surgery causes a scar, can I be compensated?

    Scar Injuries: If a surgery causes a scar, can I be compensated?

    A Common Scenario for Scar Injuries

    Scar injuries sometimes come from sources we don’t always think about. For example, if you break your arm in a car accident, the actual broken arm may not cause your scar. What will cause your scar, however, is the surgery you need to repair your broken arm.

    Why Scars are Commonly Overlooked

    In an injury case, what most people focus on is the broken arm. What’s often overlooked is the thing that can last for the rest of your life; the scar from the surgery to fix the broken arm. Why is this? Medical records rarely say much, if anything, about the scar left by the surgery. Without photos from the client, this can easily be forgotten.

    Does it Really Matter?

    Yes, it matters a lot. Scars stick with you forever unless you undergo revision surgery to fix the scar – yes, a surgery to fix a scar caused by a surgery. Crazy, right? What is necessary to get a surgery? Cold hard cash. Since the surgery is likely to be considered an elective surgery by your health insurer, they likely won’t cover it. Thus, if you want to have the scar repaired, you’ll have to go after the person/company that caused the original injury that led to the surgery that caused the scar. In reality, you will most likely seek compensation from the insurance company. 

    So, Can I be Compensated for the Scar?

    Yes – if the scar was the result of another person’s negligence. However, and this is a big however, you will need to have an expert (usually a surgeon), give an opinion that the scar was the result of the negligence. Once you have this opinion, you will submit it to the insurance company as a part of your demand.

    More Questions?

    Give us a call. We’ll be happy to answer your questions. 888.550.4026.
  • Top 5 Mistakes After a Car Crash

    People make mistakes all the time after a car crash. These are the most common.
    1. Giving a recorded statement.
    2. Not getting treatment.
    3. Not getting a Police Report.
    4. Assuming the police will get witness names and contact information.
    5. Accepting a quick settlement from the at-fault party.
      If you have positive things to say about our firm, please give us a 5-star review on Google. Disclaimers: **The choice of a lawyer is an important decision and should not be based solely upon advertisements.** **Past results do not serve as a guarantee of future results.** **The information on this personal injury law firm website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.**
  • Fireworks and Homeowners Insurance Coverage

    Fourth of July weekend brings scores of booming fireworks and visits to the ER for burns and fire-related injuries. Often overlooked is that most homeowners’ policies provide coverage for medical payments and liability when someone is injured. These injuries range from minor burns to much more severe scarring  and loss of eyesight (I know, ouch). For example, if you’re injured at a friend’s BBQ, you are what is called a licensee (legal talk for guest).  This is important because it gives you specific protections under the law if you’re injured. However, if you were there to babysit or provide some other service, then you could be an invitee (more legal talk), which carries even more protections. Determining this classification can be a legal nightmare, and some people end up making matters worse by handling the claims themselves. This causes the claim to drag on and typically the insurance carrier will makes promises to pay the claim, just not enough to fix the injury (and pay what is owed). Also remember that when filing a claim, you’re making a claim for insurance proceeds, not for the homeowners’ personal money.  Don’t let people tell you otherwise.    Have a question about it? Shoot us a call and we’ll see if we can get you an answer. Don’t worry, the call is always free.   If you have positive things to say about our firm, please give us a 5-star review on Google. Disclaimers: **The choice of a lawyer is an important decision and should not be based solely upon advertisements.** **Past results do not serve as a guarantee of future results.** **The information on this personal injury law firm website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.**