Category Archives: Facts and Figures

insurance claim

Do You Have ENOUGH Insurance?

When most people think about their car insurance coverage, they almost never think about how much coverage they have. It is absolutely critical to know how much insurance you actually have. Simply having “full coverage” just means you are covered for most incidents but it doesn’t answer the question as to how much you are covered.

Virginia only requires that someone carry $25,000 in liability coverage. This is protection for you if you were to cause an accident and injure someone. This means that you are covered but only up to $25,000. Their claim includes their medical bills, lost wages, pain and suffering, injuries and possibly more. If that person’s claim is worth more than $25,000, you are personally responsible for the difference. We see many cases each month where someone’s medical bills alone are more than $25,000.

Virginia also only requires you to have $25,000 in uninsured/underinsured (UM/UIM) coverage. This is protection for you if you are hit by another driver who does not have insurance and you or someone in your family is injured. It will also cover you if the driver who caused the crash is insured but has less insurance coverage than you do.

The cost of having enough insurance to fully cover your injuries is literally just a few dollars a month. But it could make all the difference. Most car insurance carriers in Virginia will give you $50,000, $100,000, $250,000, $300,000, $500,000 or even up to $1,000,000 of both liability insurance and UM/UIM.

We recently represented a nice lady who broke her ankle in a car accident caused by someone else. She ended up having surgery to repair her ankle and unfortunately had to undergo another surgery a couple of months later. She had extensive physical therapy as well and her medical bills alone exceeded $80,000. She was out of work for three months and lost just over $10,000 in wages. Her life with her husband and young children was severely disrupted. Unfortunately, the individual that caused the wreck only had $25,000 in insurance coverage. Our client only had $25,000 in UM/UIM. As a result, for all of those medical bills, lost wages and pain and trouble she underwent, there was only $25,000 available to cover everything. This was a nightmare. Our client did not realize she only had $25,000 in UM/UIM coverage. She told us that had she known that she certainly would have made sure to have greater insurance limits. For instance, had she had just $100,000 in UM/UIM coverage, her case was certainly worth every penny of that and our office would have been able to collect that for her. That would have made a world of difference in covering the losses she sustained.

The lesson to be learned: check the amount of your insurance coverages and make sure you have enough. Do not just assume you have “full coverage.” As you can see from the story above, it is just as vital to have enough coverage. We recommend having at least $100,000 in liability and uninsured/underinsured motorist coverage. For a very small increase in your premium, it could very well make tens of thousands of dollars of difference if you or one of your family members is injured in an accident.

At Huffman & Huffman, we understand that insurance coverages can be confusing. That’s why every day we fight hard for our clients to make sure they receive all of the insurance coverage to which they are entitled.

If you have any questions about what coverages you have on your car insurance policy, please feel free to call our office and we are happy to explain everything to you. Hopefully, you will never be injured by another reckless driver, but if you are, and you have sufficient insurance coverage, it could make thousands of dollars of difference for you at a very minimal cost.

 

Motorcycle Safety

Motorcycle Season

The weather seems to have finally turned the corner and it looks like we can expect plenty of warm days ahead. Of course, beautiful weather is also especially nice for all you bikers out there. However, in order to stay safe while you’re enjoying the feeling of the spring air, make sure to follow these tips.

The Stats

Virginia Beach has one of the highest incidents of motorcycle accidents in the state. 99% of the time, some level of injury will result from the motorcycle accident. In 2015, the Virginia Department of Motor Vehicles reported 70 motorcycle riders killed, making up 9.3% of all traffic fatalities.

Before taking an operating license test, it is highly recommended, whether you are a beginner or a seasoned rider, to take a training course to acquire additional knowledge from licensed professionals.

What to wear when you ride a motorcycle

Proper riding equipment is the number one priority when looking to limit bodily injury during a crash.

It is Virginia state law that both drivers and passengers must wear a proper HELMET. In the case of an accident, there is a 40% increased risk for brain injury for un-helmeted persons.

EYE PROTECTION is essential for moving at such high speeds with no cover from surrounding elements.

The appropriate CLOTHING protects from road rash. Long sleeves and long pants made from special synthetic materials or leather should always be worn while riding. If riding at night, reflective gear must be worn so that other drivers may easily spot a rider.

Leather GLOVES and FOOTWEAR protect from serious abrasions if met with the unforgiving asphalt. Avoid sandals or laces that could get caught in mechanical parts.

Never operate a motorized vehicle under the influence and avoid riding in harsh weather conditions such as rain or snow.

A motorcycle is fairly small compared to the rest of the vehicles on the road. This means that other drivers may not be able to spot you due to blind spots. Always be prepared for an unexpected situation.

If you do find yourself injured in a motorcycle accident, we can help. Call 757-319-4085 to schedule your free consultation today.

Driver Safety Study by State

MoneyGeek recently released a study that analyzed the best and worst states for drivers. Lucky for us, Virginia made it on the top 10 list for safest states for motorists!

The study analyzed data from the state, federal and insurance industry levels to determine a ranking of driving conditions from the best to the worst.

A few key findings:

  • Massachusetts is the safest state for motorists. Contributing factors include a low percentage of risky driving behaviors, 96% of all drivers are insured and the second smallest percentage of driving fatalities.
  • Montana is the most dangerous state. Contributing factors include a high rate of vehicular fatalities, including “the highest percentage of fatalities involving drunk driving and non-use of seat belts”.
  • Pedestrians – California and Florida take the award for the most dangerous states for pedestrians.
  • Cyclists – California and Florida, again, win the uncoveted award for most dangerous states for cyclists.

moneygeek driving stats

Infographic from MoneyGeek.

View the full study summary at MoneyGeek.

 

trick or treat

Halloween in Hampton Roads

There’s a lot to do every year on Halloween, but perhaps the most popular activity is the tradition of Trick or Treating. This tradition of going door to door asking for candy has been around since the 1920’s in various forms, and even hearkens back to traditions and customs associated with holidays and celebrations held as far back as the Middle Ages. While originally a time where children would perform innocent acts of mischief if they did not receive treats, the custom has since become about dressing up in fun costumes and sharing candy and fun with the kids in the neighborhood.

While trick or treating is a fond memory of many children there are laws that go with the holiday, which typically vary by State and region. This Halloween trick or treating will be observed on Monday October 31st here in Hampton Roads and will be for children 12 and younger. Below is a list of the timetables and rules for each city to help revelers know when and where they’re allowed to be out.

Chesapeake– Trick-or-Treating for ages 12 and under only, from 6pm until 8pm.

Hampton– Trick-or-Treating for ages 12 and younger from dusk until 8pm.

Newport News – Trick-or-Treating for ages 12 and under, no later than 8pm. Accompanying adults may not wear masks.

Norfolk – Trick-or-Treating for ages 12 and under. Trick-or-Treaters must be off the street by 8pm.

Portsmouth – Trick-or-Treating for ages 12 and under, no later than 8pm.

Suffolk – Trick-or-Treating for ages 12 and under until 8pm.

Virginia Beach – Trick-or-Treat begins at dusk and ends at 8pm. for children 12 years of age and younger.

Williamsburg – Trick-or-Treat for ages 12 and under from 6-8pm.

York County – Trick-or-Treating will be from 5:30pm until 8pm. Children age 12 or younger may trick-or-treat and should be accompanied by an adult.

 

insurance claim

What to Know When Making a Claim

There is something that comes between an accident and an insurance settlement – an insurance claim. This post will help you navigate the claim process to make sure you have everything you need.

Let Them Know Early

Most insurance companies require that you let them know about an accident within 24 hours of it happening. This includes the other driver’s insurance company too, so never forget to swap info.

Prove Whose Fault it Was

This means collect as much info from the scene as possible; photos, witness statements and contact info, a police report. All of this will be crucial to your end settlement.

Prove You Were Hurt

Just like at the scene of the crime, you’ll want to gather all the evidence you can to back up your injury claims.

Doing this work right away will make everything else down the line that much easier.

If you’ve been in an accident, let the Brothers in Law help you.