{"version":"1.0","provider_name":"Barna, Guzy &amp; Steffen, LTD.","provider_url":"https:\/\/www.bgs.com\/blog","author_name":"John T. Buchman","author_url":"https:\/\/www.bgs.com\/blog\/author\/john-t-buchman\/","title":"Protecting Your Family with Car Insurance: Buyer Beware - Barna, Guzy &amp; Steffen, LTD.","type":"rich","width":600,"height":338,"html":"<blockquote class=\"wp-embedded-content\" data-secret=\"kIRbGlAluq\"><a href=\"https:\/\/www.bgs.com\/blog\/2011\/06\/07\/protecting-your-family-with-car-insurance-buyer-beware\/\">Protecting Your Family with Car Insurance: Buyer Beware<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/www.bgs.com\/blog\/2011\/06\/07\/protecting-your-family-with-car-insurance-buyer-beware\/embed\/#?secret=kIRbGlAluq\" width=\"600\" height=\"338\" title=\"&#8220;Protecting Your Family with Car Insurance: Buyer Beware&#8221; &#8212; Barna, Guzy &amp; Steffen, LTD.\" data-secret=\"kIRbGlAluq\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/*! This file is auto-generated *\/\n!function(c,d){\"use strict\";var e=!1,o=!1;if(d.querySelector)if(c.addEventListener)e=!0;if(c.wp=c.wp||{},c.wp.receiveEmbedMessage);else if(c.wp.receiveEmbedMessage=function(e){var t=e.data;if(!t);else if(!(t.secret||t.message||t.value));else if(\/[^a-zA-Z0-9]\/.test(t.secret));else{for(var r,s,a,i=d.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),n=d.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),o=new RegExp(\"^https?:$\",\"i\"),l=0;l<n.length;l++)n[l].style.display=\"none\";for(l=0;l<i.length;l++)if(r=i[l],e.source!==r.contentWindow);else{if(r.removeAttribute(\"style\"),\"height\"===t.message){if(1e3<(s=parseInt(t.value,10)))s=1e3;else if(~~s<200)s=200;r.height=s}if(\"link\"===t.message)if(s=d.createElement(\"a\"),a=d.createElement(\"a\"),s.href=r.getAttribute(\"src\"),a.href=t.value,!o.test(a.protocol));else if(a.host===s.host)if(d.activeElement===r)c.top.location.href=t.value}}},e)c.addEventListener(\"message\",c.wp.receiveEmbedMessage,!1),d.addEventListener(\"DOMContentLoaded\",t,!1),c.addEventListener(\"load\",t,!1);function t(){if(o);else{o=!0;for(var e,t,r,s=-1!==navigator.appVersion.indexOf(\"MSIE 10\"),a=!!navigator.userAgent.match(\/Trident.*rv:11\\.\/),i=d.querySelectorAll(\"iframe.wp-embedded-content\"),n=0;n<i.length;n++){if(!(r=(t=i[n]).getAttribute(\"data-secret\")))r=Math.random().toString(36).substr(2,10),t.src+=\"#?secret=\"+r,t.setAttribute(\"data-secret\",r);if(s||a)(e=t.cloneNode(!0)).removeAttribute(\"security\"),t.parentNode.replaceChild(e,t);t.contentWindow.postMessage({message:\"ready\",secret:r},\"*\")}}}}(window,document);\n<\/script>\n","description":"In the past, I have recommended that you review your insurance coverages, particularly your homeowner\u2019s and car insurance, and increase them when appropriate. This blog post addresses an unexpected exclusion found in some automobile policies that actually deprive you of coverage to your injured family members under certain circumstances. At least two insurance companies have an exclusion known as a \u201cdrop down\u201d limitation that dramatically lessens the insurance coverage available to you and your family members if another family member\u2019s driving conduct was a cause of their injuries. This is particularly relevant as we enter the summer family vacation and driving season. Two recent cases, one by the Minnesota Court of Appeals and one by the Eighth Circuit Federal Court of Appeals[1] have both enforced a \u201cdrop down\u201d limitation that restricts claims by injured family members to the minimum amount of coverage mandated by Minnesota law, which is $30,000 per person and $60,000 per accident. In both cases, family members were either killed or seriously injured and suffered losses far in excess of these minimum limits. I\u2019m sure that neither of the parents who purchased the insurance ever envisioned that their own family members would be hurt by this unexpected limitation. In the Frey case, the 17 year-old son was driving a car..."}