Archive for August, 2010

Do you need uninsured motorist insurance?

Saturday, August 28th, 2010

Most of us think that if we are in an accident, the insurance company will cover all of our expenses.

Most of us also think that everyone is required to have insurance in order to drive a car in Virginia.

Neither of these are true.

Virginia allows drivers to pay just $500 as an ‘Uninsured Motor Vehicle fee’ and not get any type of auto insurance.  That’s a lot less than the car insurance premiums that many people pay!  In today’s economy I would imagine that more and more people are taking this less expensive route and ‘crossing their fingers’.

Virginia also allows people to get relatively low coverage limits of $25,000 for bodily injury or death for one person and $50,000 for bodily injury or death for two or more persons.  A driver can also get only $20,000 coverage for property damage.  That’s less than most cars cost today!

If you are in an accident and the responsible person has no or very limited coverage you may be left with property damage and/or medical bills and not enough money to pay them.

That’s why it’s important to talk to your insurance agent to make sure you have sufficient uninsured or under-insured motorist coverage.

After all, the person who is most interested in seeing that you will have your bills covered is YOU.

No, I’m not an insurance agent.  But as an attorney, I see a lot of clients that really needed to have more coverage when an accident happened.

I don’t want that to happen to you!

Read before you sign!

Sunday, August 1st, 2010

It seems that I get calls about legal problems in bulk.  Over the past few days I’ve had several calls from people who have signed a contract (or a lease) and then realized that it was not a good deal.

The problem is that once you have signed the contract, you are usually stuck.

You should take your time to review the contract before you sign.  Read ALL of the fine print.  And only then make the decision to sign.

Some of the language in the contract may be difficult for you to understand because it is in ‘legalese’.  This does not mean that it is bad, it may just be hard for you to understand easily.

Some of the time these contracts are about a business deal.  But sometimes these contracts can be about everyday life such as dance or music lessons.  The subject matter doesn’t really matter.  It is still a contract!

I can help.  I will review your contract and explain what it means in simple language.

Our August Special is a review of your contract for only $50 regardless of the length of the contract.

Why am I doing this service for such a low price?  Because I think it is important for you to know what you are signing before you are legally obligated to follow through.