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Fdazar > Insurance Companies

Got Tread? Snow Tires vs. All-Season Tires

With winter rapidly approaching, determining what tires you need for your vehicle is essential. With the right tires, you can help ensure safety for you and your family while on the road. Part of being prepared for the winter season means making sure your car is riding on the right tires for the season. In a city like Denver, snow tires may be a good fit for your vehicle. Snow tires are specially made to make sure they can grip the road, even in cold and snowy conditions. They’re made with a softer compound and contain more rubber than summer tires....

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Attorney Fees: Know what you’re going to pay

Most people know that attorneys can be expensive. The work that they do is diligent and their fees are based on several factors. These factors can include: the attorneys experience, the time spent on your case, their ability and reputation, the degree of difficulty for the case, the results of the case, and other costs involved. Some additional factors include the attorney’s overhead expenses such as rent, utilities, and office equipment. All of these factors may influence how much you’ll pay and listed below are some of the more common fee agreements for attorneys. The first fee agreement is the ‘Contingency...

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Why you want an attorney in your corner

No one wants to be involved in a legal battle. It can be long, difficult, expensive, and really make your life tough. If you or a loved one is involved in a car accident or other scenario where you may face legal trouble, it’s always a good idea to consult an attorney to help alleviate some of the stresses that come along with legal battles. Listed below are some of the top reasons why you should hire an attorney. Legal battles are complicated – The law itself is very complex and if you don’t know your way through it, you...

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Marijuana Law in Colorado: What you need to know

Since the passing of amendment 64 in 2012, adults 21 and over can legally purchase and possess marijuana in the state of Colorado. As long as you are 21 years or older and have a government issued ID, you can purchase marijuana in a variety of forms. There is a limit to how much you can purchase at any given time, however. Since June of 2016, both Colorado residents as well as tourists can purchase up to 28 grams in a single transaction. Before you plan your next trip to Colorado or your local dispensary, there are a few key...

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Eggshell Plaintiff

In the world of personal injury law, there’s a phrase called “eggshell plaintiff”.  What exactly does this mean?  Well, I’m glad you asked!  In many personal injury cases, the injured party had a pre-existing condition, which the collision exacerbated, making the injuries even more severe than they would have been. Let me give you an example: let’s say that in the cold weather, an older woman slipped on black ice on your property.  But just a week before this fall, she had a hip surgery, and this simple fall, which would have otherwise been relatively harmless, left her hip in a...

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What to do if you hit an Animal

In Colorado, it is not uncommon to see wildlife near the roads when driving. Even in the city, people often see deer, coyotes, and many smaller animals while they drive. Unfortunately, the amount of wildlife around means that there are often accidents between these animals and vehicles.  State Farm estimates that 1.25 million accidents occur every year between cars and deer alone. Deer are the animals hit most often but animals like moose, elk, raccoons, birds, and even pets and livestock are also sometimes hit. The accidents can be dangerous and pose threats to both the driver and occupants of...

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Don’t Snap and Drive: The New Don’t Text and Drive

Most people know they should not be on their phones while they drive but if you have been on the road recently, you have probably noticed that many drivers do it anyway. When AT&T launched their “It Can Wait” campaign in 2010, their main concern was texting and driving. Now, however, distracted driving is caused by all kinds of smartphone activities. Though texting and emailing are still the most prevalent uses of smartphones by drivers, with seven of ten people using their smartphones for these activities while driving, a 2015 study by AT&T showed that nearly one in ten video...

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Let’s Talk About Insurance: Conclusion

Over the past week we have talked about each type of auto insurance that can be purchased. Today we will go over a review of the types of insurance and give some scenarios when each kind of insurance will be in play. Generally it is a good idea to buy all 6 types of auto insurance and to purchase the highest limits that your family can afford.  It only takes one bad crash for you to wish you had signed up for better insurance. Here are the types of insurance we talked about: Liability Coverage Bodily Injury Liability (BIL) Required...

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Let’s Talk About Auto Insurance: Medical Payments

Medical Payments coverage is the final type of auto insurance we will be talking about. Medical payments, also called MedPay, works the same was as collision coverage but for medical bills. MedPay coverage will pay your medical bills and the bills of anyone in your car who is injured in a collision, whether you are at fault or not. This will include collisions with stationary objects. Now, you may be wondering what the difference is between MedPay and your health insurance. Well, MedPay can work in two different ways: as primary coverage or as supplemental coverage. If MedPay works as...

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Let’s Talk About Auto Insurance: UM/UIM

As we have already discussed you are required to hold liability coverage if you drive in the state of Colorado and most other states. However that does not mean everyone carries it. Many people do not have auto insurance which can cause a headache for you if you are in a collision with someone who is uninsured. In fact, about 13% of drivers on the road are estimated to be uninsured. So if you are in a collision with someone who is uninsured and the collision was their fault, who is going to pay for your medical bills? Well, if...

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