Finney Injury Law - January 2019

MOM REALLY DOES KNOW BEST 3 WIVES’ TALES PROVEN TRUE

“Make a face like that, and it’ll stay that way forever.” You may have heard something like this from Mom’s book of wisdom. Maybe you never disputed the idea that mother knows best. But as you grew up, it slowly became clear that hair doesn’t grow back faster and thicker if you shave it, cracking your knuckles doesn't cause arthritis, and gum doesn’t stay in your stomach for months after you swallow it. After a whirlwind of wives’ tales over the years, many common claims have been put under scrutiny. Wives tales have been known as pseudoscience and blind intuition, but even as many were disproved, some surprisingly proved to hold weight. Here are three wives’ tales that have proven to be true. GARLIC CURES COLDS For decades, moms have professed the healing properties of garlic, suggesting it can cure colds and help the body fight sickness. It turns out they were absolutely right. Garlic has antiviral properties that strengthen the immune system and nutrients that help combat illnesses. The effects of garlic can actually be more effective than over-the-counter flu medications. Some studies show that regular consumption

of raw garlic lessens the likelihood of getting a cold, so if you feel a tickle in your throat, try a clove before you open the medicine cabinet. HEARTBURN MEANS A HAIRY BABY It’s hard to list wives’ tales without bringing up one about pregnancy. Many are solely based on intuition, but a few that sound odd are legitimate. In 2007, a study done by Johns Hopkins attempted to debunk the myth that heartburn during pregnancy would mean a hairy baby at birth. Instead of proving it wrong, they found that 82 percent of women with severe heartburn during pregnancy gave birth to hairy babies. Turns out the hormones that cause heartburn in pregnant women also affect fetal hair growth. JOINT PAIN PREDICTS THE WEATHER Did you ever look at your mom with skepticism when she would predict rain because her knees hurt? If so, you might owe your mom an apology, because there is a scientific connection. The drop in barometric pressure that’s common during storm weather causes pain in arthritic joints.

WHY YOU SHOULD CHECK NOW RATHER THAN LATER DO YOU KNOW THE DETAILS OF YOUR INSURANCE POLICY?

When it comes to auto insurance policies, most people adopt a set-it- and-forget-it approach. Once they’re signed up, they assume they’re covered and go about their normal routine. This approach may be nearly universal but that doesn’t mean it’s wise. Like it or not, insurance policies are complicated, multifaceted documents. Understanding the nuances of your policy could be the difference between a minor headache and a major nightmare. Missouri is a traditional “fault” or “full- fault” state rather than “partial fault.” In a full-fault system, the driver whose negligence is deemed to have caused the accident is the person responsible for compensating losses that occur as a result of the accident. The nature of the law may lead people to believe that

their insurance will only be necessary in the event that they are the person at fault in an accident, but that’s untrue. There are many circumstances where the at-fault driver’s policy limits will be exceeded, and you’ll need to rely on other means to receive compensation. The liability limits on Missouri auto insurance coverage is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. Since these numbers are relatively low, it’s not hard to exceed them in a serious accident. Similarly, the mandated amount of uninsured motorist (UM) coverage, which kicks in when an accident is caused by an uninsured driver, is $25,000 and $50,000 for bodily injury per person and per accident, respectively.

While you can never be sure of the other driver’s policy, you do have control over yours. To provide better coverage for bodily harm and injury, you can add MedPay to your policy. MedPay allows your policy to help cover the injuries sustained by you and your passengers, no matter who is at fault. You can also increase your level of UM protection. Both of these are relatively inexpensive options which can be easily amended to your policy. Having insurance isn’t a black-and- white affair. The nature of your coverage matters just as much as whether you’re insured or not. There’s no better time than now to take a look at your policy and see where it’s lacking.

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