Available 24/7

Seven Days A Week

720.372.2824

Call Us For A Free Consultation

Facebook

Twitter

LinkedIn

FDAzar > Personal Injury (Page 5)

Let’s Talk About Auto Insurance: Medical Payments

Medical Payments coverage is the final type of auto insurance we will be talking about. Medical payments, also called MedPay, works the same was as collision coverage but for medical bills. MedPay coverage will pay your medical bills and the bills of anyone in your car who is injured in a collision, whether you are at fault or not. This will include collisions with stationary objects. Now, you may be wondering what the difference is between MedPay and your health insurance. Well, MedPay can work in two different ways: as primary coverage or as supplemental coverage. If MedPay works as...

Continue reading

Let’s Talk About Auto Insurance: UM/UIM

As we have already discussed you are required to hold liability coverage if you drive in the state of Colorado and most other states. However that does not mean everyone carries it. Many people do not have auto insurance which can cause a headache for you if you are in a collision with someone who is uninsured. In fact, about 13% of drivers on the road are estimated to be uninsured. So if you are in a collision with someone who is uninsured and the collision was their fault, who is going to pay for your medical bills? Well, if...

Continue reading

Let’s Talk About Auto Insurance: Comprehensive Coverage

We have talked about liability coverage and collision coverage and to wrap it all up we need to talk about comprehensive coverage. Comprehensive coverage covers everything else that collision coverage does not. This includes hail, fires, theft, vandalism, animal collisions, and floods. Basically, it covers everything that damages your car that is not a collision. How much does comprehensive coverage cost? Comprehensive coverage works the same way as collision coverage with a deductible. Because the events that result in comprehensive coverage loss being used are less common than collisions, deductibles tend to be lower. The average comprehensive deducible in Colorado is...

Continue reading

Let’s Talk About Auto Insurance: Collision Coverage

In the past two blogs we have talked about the kind of auto insurance you need to purchase to make sure the other party in a collision is taken care of. Now let’s talk about how to make sure your property and injuries are taken care of. In this blog we are going to explore property damage coverage to protect your vehicle. We will be talking about the insurance that takes care of your medical bills in another blog in a few days. “Collision” coverage is different than property damage liability because liability is no longer an important factor. Collision coverage...

Continue reading

Let’s Talk About Auto Insurance: Liability Coverage- Property Damage

Yesterday we discussed the first part of liability coverage called bodily injury coverage. The second part of liability coverage is called property damage liability. Property damage liability pays for the damage that the liable party causes to another vehicle. To learn more about liability check out the blog from yesterday about bodily injury liability. So, what does property damage liability cover? Property damage liability will cover the damages to any property of the other party(s) involved. This, of course, includes their vehicle, but it can also coverage things such as buildings and fences that you may collide with. Property damage liability...

Continue reading

Let’s Talk About Auto Insurance: Liability Coverage

Most people know that you are required to have insurance if you drive. The most common kind of insurance that is required is called liability coverage. “Liability” coverage actually breaks down into two different types of coverage: bodily injury and property damage. Today we will be talking about the type of liability coverage that covers bodily injury. Property damage liability coverage will be discussed later. So what is bodily injury liability coverage, i.e. liability? Well, before we get exactly into what it is, we need to talk about what liability is. Liability is “the state of being responsible for something, especially...

Continue reading

Let’s Talk About Auto Insurance: Introduction

Let’s face it, car insurance is complicated and can be confusing at times, especially if you’ve recently been in an accident. There are 5 major categories of auto insurance you should be familiar with. Some are required by law, and others are not. In this series we will be covering one type of insurance each post and giving you the details on what it is, what it covers, and if you need it. Check back each Monday and Thursday to learn about another type of insurance and as the blogs get posted we will update this post with the links! ...

Continue reading

The History of the Bicycle Helmet and why you Need to be Wearing One

Most people generally know it’s a good idea to wear a bike helmet, yet not that many of us consistently wear one. People who bike long distances as a sport or exercise generally do wear bike helmets, but the real problem is people who ride leisurely. Here we will lay out the history of the bike helmet, and give you some facts about how they can protect you. The first widely used bicycle was the Penny-farthing. This was the bicycle that had a very large main wheel and a much smaller wheel in the back. The name came from the British...

Continue reading

Hot Coffee… how personal injury impacts your everyday life

Every once and a while a lawsuit will make national headlines. That was the case with Liebeck v. McDonald’s, more commonly known as the hot coffee lawsuit. In 1992 Liebeck was at a drive through McDonald’s and ordered a coffee. While pulling the cap off to add sugar, she accidentally spilled the cup of coffee all over her lap. Liebeck suffered second and third degree burns and was hospitalized for 10 days and then had two years of continuing medical care. Liebeck contended that the coffee was unreasonably hot (190 degrees) for anyone to safely consume and therefore constituted gross...

Continue reading

The Seat belt is every driver’s best friend, but where did it come from?

Everybody knows it’s a good idea to wear a seat belt, yet half of the victims in more than 35,000 auto crash deaths every year in the United States failed to wear one. If you’re someone who consistently wears their seat belt, you may be wondering, where did the seat belt come from? How does it protect me? And why don’t more people wear them? A brief history of the seat belt Before we had the three points seat belt all cars are equipped with today, seat belts looked a lot like they do in airplanes. These two point seat belts that stretched across the lap...

Continue reading