As a Tennessee car accident attorney, I am often asked why it is necessary to have medical payments coverage as part of an automobile insurance policy, especially if the car owner also has health insurance. Frankly, it is possible that your medical payments ("med pay") coverage will do you little…
What is medical payments coverage on my automobile insurance policy? Medical payments coverage, also known as "med pay" coverage, will pay medical bills incurred by you or people in the vehicle in the event that you or the others are injured in a vehicle accident. The money is paid for bills…
Liability insurance is insurance that protects you from loss in the event you are alleged to have negligently caused harm or damage to another or are determined to have negligently caused harm or damage to another. Liability insurance offers two important components. First, liability insurance pays for a lawyer to…
I have a disability insurance policy through my job. I am disabled but the disability insurance company still says I have to submit and claim and go through all the paperwork. The company says it is up to me whether or not I get a lawyer. Do I need a lawyer?…
I have just discovered that my 10 year old son is being sexually abused by a neighbor. What do I do? Here are my thoughts: Immediately report this matter to the police. If there is any physical evidence of the abuse that you can readily put your hands on take…
I just settled my personal injury case and my lawyer told me that I have to re-pay my medical insurance company the amount they paid for my medical bills from the accident. That doesn’t seem fair. Is my lawyer right? Your lawyer is probably right. Most medical insurance policies have…
Do I have to repay my automobile insurance company if they pay my medical bills from my medical payments coverage and I recover a settlement from the at-fault driver? Probably. Most automobile insurance policies that have medical payments coverage require that you re-pay them if you make a recovery from…
I was hurt in a car accident. I do not have health insurance. I heard that my auto insurer might pay some of my medical bills under what is known as "medical payments coverage." What is that? Many car insurance policies have medical payments coverage. This insurance coverage pays…
I have heard about people seeking "policy limits" in car wreck cases. What does that mean? "Policy limits" refers to the sum total of liability insurance policy dollars that are applicable to a given case. So, if a person has $300,000 of insurance on their car and they cause…
I live in Tennessee. I was in a car wreck in Clarksville and got hurt. It was the other driver’s fault. The other driver has no insurance. I looked at my automobile insurance policy and it says that I have uninsured motorist insurance of $50,000 / $100,000. What does…