Tag Archives: property damage

How Much is an Umbrella Insurance Policy?

Lawyer for Motorcycle Accident Injury Claims in Indianapolis Indiana 46225An underlying insurance policy may cover damages for personal injuries or a wrongful death as a result of an accident but an umbrella insurance policy will add additional coverage for the same accident at a fraction of the cost.

Umbrella insurance is liability coverage that goes above your underlying  homeowners or auto insurance policy.   It may also be known as excess coverage.  However, it is merely just another “layer” of protection. This type of insurance generally has much higher limits and has a much broader range to cover potential claims for things such as libel, slander, defamation of character, property damages and bodily injury claims.

Is an umbrella insurance policy expensive?

Many do not know about this coverage or if they do, many think it would be too expensive.  WRONG.  In general for about $150 – $300 per year you can buy a $1 million personal liability umbrella policy. For every million above that, the cost is approximately $75 dollars per year. While an umbrella policy protects if you are at fault for an accident it may also cover you for an accident that is NOT your fault.  An example may be where the at fault driver has no insurance (uninsured motorist) or has some insurance but not enough to coverage all your damages (under insured).  Each state has different requirements for insurance liability coverage.  Check with your insurance agent and ask about an umbrella policy.  You may be surprised how much additional insurance protection you can get for such a small cost.

Charlie explains what an umbrella insurance policy does to help protect you.

Lawyers advocating for you!

Call Charlie Ward at 317-639-9501Charlie Ward is a personal injury attorney in Indianapolis, Indiana and represents people who have been injured in auto, motorcycle and truck accidents as well as pedestrian and bicycling accidents, medical malpractice and nursing home negligence claims. If you or someone you know has been injured in an accident or killed as a the result of another person’s reckless or negligent behavior, give Charlie a call today at 317-639-9501 for a free evaluation of your accident claim.

By Charlie Ward

Ward & Ward Law Firm
728 S Meridian St
Indianapolis, IN 46225
317-639-9501

Photo of Damaged Vehicle May Be Used To Determine Extent of Injuries by Jury in Auto Accident

Changing the way personal injury cases are tried in Indiana

Call Charlie Ward at 317-639-9501

In August, 2011, the Indiana Court of Appeals issued an opinion that may alter the way personal injury cases are tried in Indiana. For the first time in Indiana courts, the opinion tackled the issue of whether a photo of claimant’s damaged vehicle could be admitted as evidence to help the jury determine of the extent of claimant’s bodily injuries.

In the case at bar, the trial court allowed the photo of plaintiff’s vehicle—which showed minimal to no damage—to be admitted as Exhibit D into evidence. The jury, correlating a direct relationship between amount of property damages and amount of bodily injuries, awarded no compensation to Plaintiff for his bodily injury damages.

Property damage may not be a true reflection of bodily injuries

Upon appeal, plaintiff’s attorney argued the photograph should not have been admitted into evidence since property damages are irrelevant to bodily injuries. The Court of Appeals sought rulings from other jurisdictions since Indiana was without authority on the issue. The Court discovered that several states bar the use of photos into evidence for the purpose of making a connection to the extent of injuries unless an expert witness testifies that a relationship between damage and injury exists. But the Indiana Court of Appeals sided with other
jurisdictions that permit the admission of property damage photos demonstrating a degree of injury, thereby drawing a relationship between the two without the testimony of an expert. In this case, Plaintiff’s own expert witness did not, in fact, suggest that a correlation between property damage and bodily injury could not be drawn in this case. [www.theindianalawyer.com]

The amount of property damage does not necessarily reflect the extent of injuries suffered by an accident victim. As a result of the opinion of the Court, personal injury attorneys will need to show substantial vehicular damage commensurate with claimant’s injuries or in the alternative, seek the testimony of an expert witness that can confirm that the vehicle’s damage is irrelevant to plaintiff’s unique bodily injuries.

Experienced personal injury attorneys

Charlie Ward is a personal injury attorney experienced in auto, motorcycle, trucking accidents and wrongful death claims. Call Charlie Ward today at 317-639-9501 for a free evaluation of your claim.

By Charlie Ward

cpw@wardlawfirm.com

Ward & Ward Law Firm
728 S Meridian St
Indianapolis, IN 46225
317-639-9501