Blogs

Lie to your insurance company = no insurance coverage

I posted an opinion of a judge from the Circuit Court of Virginia Beach in our library. Basically, Ms. Rogers had sued for the injuries she received in a car wreck.  The insurance company for the defendants said, "We don't have to provide insurance to these guys because they lied when they applied for insurance."  The court agreed with the insurance company, and the result was that Ms. Rogers could not get any insurance coverage from them. The defendants were responsible for paying for her injuries out of their own pockets.

I posted this article for two reasons:
1.  Never, ever lie when applying for insurance coverage.  The defendants in the Integon case I posted in the library may have lied to save money on the premium.  (They did not disclose a youthful male driver in the family.)  The insurance company said it would have probably provided coverage even with the knowledge of the additional driver but it would have charged a higher premium.  Instead, the court said it didn't have to provide coverage at all. You don't ever want to be in a position where your insurance company can deny coverage for damages you cause.

2.  Things are not always what they seem.  If you are hurt by a careless driver, it takes an experienced Virginia insurance lawyer to figure out what insurance coverage may apply to cover your injuries.  Insurance companies are different; they have different provisions in their contracts.  Each automobile insurance policy is really several contracts that have different rules and definitions and time limits.  An experienced Virginia insurance lawyer can investigate the facts and figure this out for you.

WRS November Newsletter

We have posted our November newsletter.  There's a new law in Virginia that drivers need to know about (Move Over/Slow Down) and valuable information about the dangers of hitting deer on the highway and what to do you have an accident with a deer.  There also is information about a report on tricks insurance companies use to deny your claim or get out of providing you coverage to which you are entitled.

Send us an email (bgarcia@wrsattorneys.com) or give us a call, 703-273-9500,  if you would like to receive our newsletter or to get a copy of the insurance report.

Don't count on your medical insurance to cover your serious condition

Check out my blog today on why health insurance may not be of much help if you have a serious medical condition.  Motorcyclists often suffer far more serious injuries than do people in cars and trucks, so having enough insurance is crucial.  Read our special report on why you need the highest possible limits on uninsured/underinsured motorist coverage on your motor vehicle policies.