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Blogs

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

Uninsured/Under-insured Motorist coverage, or UM/UIM coverage, is intended to protect people who are involved in accidents caused by drivers without insurance, or with insurance limits insufficient to cover the injuries they caused. A sub-category of UM/UIM coverage is Uninsured Motorist Property Damage coverage, or UMPD. Although UMPD is not available in all states, it can be purchased in Ohio, usually at minimal cost. UMPD is intended to cover property damage – your vehicle and, sometimes, other personal property – caused…Read More

  • By: Elizabeth A. Bernard
  • Published: March 4, 2020

An alarming article appeared in yesterday’s Chicago Tribune regarding a new patent recently obtained by Allstate. The patent essentially covers new technology, including cameras and sensors, that would allow Allstate to gather and record a huge amount of data about drivers and passengers in the vehicles it insures. The technology will allow Allstate to find out the number and type of passengers in your car, whether you are listening to the radio or on the phone, and even head and…Read More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

Most people don’t regularly rent cars. Generally, people need a rental car in two situations – either when their car is in the shop for repairs, or when traveling for vacation or business. Since most people don’t regularly rent vehicles, they are often confused about the interplay between car insurance and rental cars. Most rental agencies offer a variety of different insurance coverages which you can purchase at the time you rent the vehicle. However, if you have comprehensive and…Read More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

Many insurance policies in Ohio include something called medical payments coverage, often referred to as “med pay” for short. Med pay coverage is intended to pay for medical bills for you and any other occupants of your vehicle, up to a specific amount. Med pay is available regardless of fault – it doesn’t matter who caused the accident. It is not health insurance, but can be used to pay accident-related bills. If you are injured in an accident, the med…Read More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

Automotive technology is constantly moving forward. Much of the focus of that new technology, not surprisingly, has been on safety. Safety-minded features like lane departure warnings, lane-change cameras, Bluetooth/hands-free phone options, and others are increasingly common, and in fact are now standard on many newer vehicles. This new safety technology may already be making an impact – according to the Ohio Department of Public Safety, although the total number of accidents in 2014 was slightly higher than the number in…Read More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

Uninsured or Underinsured Motorist coverage (also known as UM/UIM coverage) is a form of insurance coverage which is intended to protect drivers and passengers when they are injured in a crash by someone driving without insurance (or without sufficient insurance). If the driver that causes the accident is uninsured or underinsured, than the injured person can, in many cases, use their own UM/UIM coverage to cover medical bills and other expenses. Unfortunately, there are far too many people still driving…Read More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

The term “subrogation,” when talking about health insurance, refers to the process by which health insurance companies are repaid for medical bills they paid when a person is injured in an accident. Up until now, health insurance companies could recover every dollar they paid out with respect to an injury claim in Ohio. Although this sounds reasonable at first blush, there are often times, after an accident, where there is not enough insurance to repay the health insurance company and…Read More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

According to the Ohio State Highway Patrol, there have been 76 more traffic deaths statewide in 2015 versus this point in 2014. Statistics regarding these fatalities, as well as safe driving messages, were placed on electronic message boards throughout Mahoning and Trumbull Counties beginning over the weekend to remind drivers to drive safely. Source: www.vindy.comRead More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

The beginning of a new year is a great time to review your auto insurance policies and make sure you are well-covered. While you may save a little money in the short term with state-minimum levels of insurance, it’s best to protect yourself with sufficient insurance should you either cause an accident, or be involved in an accident with another driver who has too little insurance or none at all. Both Ohio and Pennsylvania require a set minimum amount of…Read More

  • By: Elizabeth A. Bernard
  • Published: April 30, 2018

Many people use social media sites like Facebook and Twitter to chronicle the events, big and small, in their lives. However, social media is still relatively new, and the law has not had much time to react and form a consensus on how to treat social media posts by victims in civil or criminal cases. If you’ve been injured, physically or emotionally, be careful what you post on social media sites, as it may come back to haunt you. The…Read More

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