2010

Car Insurance: What Do The Numbers Mean and What is “Full Coverage” Any Way?

People often purchase car insurance early in life and seldom revisit their insurance coverage with their agents. People often ask me, “How much coverage do I have?” or “What do the numbers mean?” Many are confident they have adequate insurance because they purchased “full coverage,” but what does that really mean? What do the Numbers Mean? Minnesota law regulates car insurance policies issued in Minnesota and sets various minimum coverages and types of mandatory as well as permissive coverages. If you look at your insurance card or declarations page from your insurer, you may see numbers such as: $100,000/$300,000/$50,000, P20A, 100,000/$300,000 UM/UIM (or U/W). So what do these numbers mean? Insurance coverages generally fall into three categories: liability; personal injury protection “PIP” or..

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Homeowner’s Insurance: Dusting Off the Policy

You probably took out your first homeowner’s policy when you bought your first home and have not looked at it since. This can be costly. While I know it is as exciting as going to the dentist or sorting your sock drawer, it is important to look at your policy and talk to your agent to assure your policy meets your current situation. The other option is to find out the hard way: when you have a loss and find out that you did not have the coverage that you thought you did. Myth vs. Reality Most people think that their homeowner’s policy provides absolute or “strict” liability for injury that occurs on your premises. This is not entirely accurate. Most insurance policies provide..

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RFN’s (Radio Frequency Neurotomies): What Are They and Can They Help Your Pain?

RFN’s are a way to treat certain sources of neck and back pain that have not responded to medications, physical therapy, chiropractic care or massage therapy. RFN’s have been used for over 30 years. They have been used more frequently in the last 10 years to treat neck and back pain arising from car crashes. There is a lot of medical literature discussing them and their effectiveness over time. Visit the Mayo Clinic website for more information about it. The RFN treats a damaged “facet” joint(s) in the spinal vertebral column. A damaged joint sends pain messages to the brain along a known nerve pathway. To determine if the facet joint is the cause of the patients pain, a pain killing agent is..

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Small Town Friendly, Big City Experience and Expertise

When someone is injured, they can quickly find out that the insurance companies that could not be nicer to them when they paid their premiums, may not be fair in their assessment of an accident. For that reason, Personal Injury attorney John Buchman advises his clients “to not become a victim twice. The first time can’t be helped-something happened to you. Don’t assume that your insurance company will be fair. You can prevent being a victim a second time by hiring a good lawyer. Why wait and hope they might be fair?” Our Minnesota Personal Injury lawyers have experience in may different types of cases and they will work with you to learn everything about your injury. At BGS, you will..

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Medical Insurance Issues: Denial of Claims

As a former nurse and now a lawyer for over 23 years, I become a little disheartened when I see what I believe are legitimate insurance claims being denied by medical insurance providers. I understand they need to contain costs and ensure that only tests and treatments that are necessary are covered, so that the ever-escalating insurance premiums do not continue to overburden individuals and especially small businesses. But we pay our premiums so that we have the coverage we need, and insurance companies need to be fair. The reality is that the insurance policy is a legal contract between the company and the individual that outlines the responsibilities of both parties. Most insurance companies must pay for the reasonable and necessary expenses incurred by..

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