THE IMPORTANCE OF INSURANCE Why Indiana’s Minimum Policy Isn’t Enough At Sevenish Law, we are known as “Fierce Protectors of the Injured, ” and to us, this is much more than just a label. We feel that we must also be educators on insurance to help protect you and others before an accident. In the field of accident and injury law, one unfortunate trend we’re seeing is that many at-fault drivers only carry the minimum liability limit, or even worse, are uninsured drivers (unless they’re driving a commercial vehicle). When you carry only the state-minimum or no liability coverage, your insurance payout will often be insufficient to help you through your injury case. To avoid this, you must take it upon yourself to carry adequate coverage, not the minimum or close to it. Since the vast majority of accidents are caused by individuals and not corporations, chances are the wrongdoer will either be uninsured or only have minimum coverage, which often means they’re underinsured. As such, we strongly recommend people carry adequate liability limits and also uninsured (UM) and underinsured (UIM) coverage. Buying these coverages ahead of time can protect you and your family when you are at-fault and also when an uninsured or underinsured driver injures you or your family. Don’t assume it won’t happen to you or a family member. You will regret it! Why? Well, imagine that you or your family members are involved in a crash and you only have liability coverage. You may be covered if you’re at fault, but only up to a certain amount. You could be financially responsible for any damages above your chosen coverage. This could be even worse if you or your family is involved in a serious crash caused by an uninsured/underinsured motorist. If you’re insured, you are bound to the wrongdoer’s liability limits. If you carried UIM coverage and the crash warranted it, your UIM coverage could help cover additional expenses, but only up to your chosen limits and only after subtracting the liability limits first. If the motorist is uninsured, you can file a UM claim with your own company but only up to your chosen limits of coverage. As you can see, this can get very confusing, but seeking advice from an experienced and trusted accident and injury lawyer will help you through the personal injury maze. We’ll help you avoid the traps set by claims adjusters. They often don’t have your best interests in mind — even those with your own company, believe it or not. We represent many people who have been struck by lightning twice, so to speak. The client who gave me that analogy was involved in two separate car injury cases only six months apart. He’s a prominent local physician, and the first time we met, I was very adamant about one thing to protect him in the future. I told him, “You need to increase your overall liability, uninsured, and underinsured coverage to protect you and your family should this ever happen again.” I recommended coverage to him and he agreed to update his policies. Six months later, this doctor had another severe accident and admitted he did not upgrade his policies based on my suggestions, and when I asked why, he said, “I didn’t think lightning would strike twice.” Please, friends — if you haven’t thought about expanding your insurance coverage, we want to encourage you to do so! Call our office if you have any questions or need any guidance and, as always, we are “ready to listen and ready to serve.” This is our culture and an example of the “Sevenish Law Difference.” We’ll have much more on this most important subject in future issues.
1 BOOK, 2 BOOK Who Was Theodor Geisel? On March 2, Read Across America Day is celebrated by students, teachers, and community members in towns throughout the country. They chose that date to pay homage to one of the most beloved children’s authors who was born that day: Theodor Geisel. That name may sound unfamiliar to you, but “Dr. Seuss” should ring a few bells.
His name alone is so associated with literacy that in 2007, the author of an article in U.S. News & World Report that chronicled the history of 1957 — the year “The Cat in the Hat” was published — wrote, “Greece had Zeus — America has Seuss.” In 2001, Publisher’s Weekly released a list of the bestselling hardcover children’s books of all time in the U.S. Of the books in the top 100, Seuss authored 16, which is more than any other author on the list by a long shot. But Seuss did not break into the children’s literature industry easily. Seuss and his nearly 50 children’s books almost never got off the ground. His first children’s book, “And to Think I Saw It on Mulberry Street,” was denied by more than a dozen publishers. Legend has it that Seuss was on his way home to burn the manuscript when he ran into an old friend who suggested another publisher. The rest is history.
Given the enthusiasm for reading that Dr. Seuss has fostered in children for the past eight decades, it’s no wonder the National Education Association chose his birthday to mark a day to celebrate reading. After all, he’s often quoted as saying, “You’re never too old, too wacky, too wild, to pick up a book and read with a child.”
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