June 14, 2016

Insuring you and your family against other drivers.

Filed under: Personal Injury — Casper & Casper @ 2:54 pm

Car_Wreck

Ohio personal injury attorneys represent people who sustained significant injury or passed away as a result of automobile collisions on a regular basis.  Their investigations into those matters too often reveal that the at-fault driver has limited or no automobile liability insurance.  And then a traumatic situation for an injured Ohioan or that person’s family becomes even more tragic.

As of December 22, 2013, Ohio law requires its drivers to carry minimum automobile liability insurance coverage of $25,000 per person and $50,000 per collision.  That new law doubled the liability insurance requirement that had been in effect for 44 years leading up to the long overdue change.  With the rising costs of healthcare, Ohioans injured as the result of a collision can still find that the new liability insurance requirement is still inadequately low.

Ohioans should understand that their automobile liability insurance coverage only protects them from any personal liability for damages caused by their actions up to the coverage available to them under that policy of insurance.  At-fault drivers with limited or no liability insurance could be held legally responsible for those damages and assets such as homes and cars could be taken away and present and future wages garnished.  For families with children, they too could be held responsible if they cause a collision while driving an uninsured or underinsured vehicle.

While insurance costs money, Ohioans benefit from an average automobile insurance premium among the lowest in the country according to the Ohio Department of Insurance.

When determining what liability insurance to purchase, Ohioans should ask about uninsured-underinsured motorist coverage, or UM-UIM insurance.  Generally speaking, UM-UIM coverage is significantly less expensive than automobile liability coverage.  In the event that an Ohioan is involved in a collision with an uninsured or underinsured driver, that UM-UIM coverage creates a contractual obligation from the insuring company to the insured to compensate him or her beyond the liability insurance available from the at-fault party and up to the limits of coverage dictated by the insurance policy.  Your insurance agent is not required to discuss UM-UIM coverage, so it is important for an Ohioan to bring to the insurance agent’s attention.

Ohioans should also be sure to ask about medical payments coverage.  Medical payments coverage is also significantly cheaper than liability coverage and can be used to reimburse an injured insured for his or her out-of-pocket medical expense up to the amount of the coverage selected.  Medical payments coverage can be used in conjunction with health insurance to ensure that an injured Ohioan in the midst of trying time during recovery more fully protected financially.

Ohioans should be sure to insure themselves in excess of their assets whether through automobile liability coverage, excess umbrella coverage, or some combination of the two.  Ohioans should also be sure to keep UM-UIM and medical payments coverages in mind when purchasing automobile insurance.

The attorneys at Casper & Casper only represent injured people, not insurance companies.  Nevertheless, we are available to discuss various insurances that you may consider purchasing.  After all, we would much rather find out in the course of any investigation that the injured person carried more than enough insurance to protect both self and family then the tragic alternative.

By Rhys J. Richards

rhys_richards

Rhys is a partner with Casper & Casper, LLC and focuses his practice on personal injury matters. He is licensed in Ohio and Kentucky.  He can be reached at 513-424-2401.  

May 23, 2016

Congratulations to attorney Rhys Richards, Casper & Casper’s newest partner!

Filed under: General,Personal Injury,Workers' Compensation — Casper & Casper @ 2:40 pm

On Martin Luther King day, at the age of 13, Rhys Richards attended a civil rights march to Cincinnati’s Music Hall with his aunt, and fellow Casper & Casper attorney, Megan Richards, and from that point had a deep interest in protecting the rights of all people.

During college at Bowling Green State University, Rhys considered a career as an English professor, but after a summer internship at Casper & Casper, rediscovered his passion for providing people with access to justice. Rhys joined Casper and Casper in 2007 as an Associate, focusing on Personal Injury Law, Products Liability, and Workers’ Compensation administrative hearings and litigation among other areas.

Rhys was named a partner of Casper & Casper in early 2016. He is genuinely concerned with the concerns of all his clients and makes a point to clearly communicate the steps in the legal process that can lead to a successful outcome.

 If Rhys can assist you with a Personal Injury or Workers’ Compensation issue, please email or call a Casper & Casper office near you.

rhys_richards

March 17, 2015

A Guide to UM/UIM Coverage

Filed under: General,Personal Injury — Casper & Casper @ 2:39 pm

Here are a few facts from the Ohio Insurance Institute about Uninsured Motorist Insurance and how you can protect yourself from a driver who is uninsured.

While the Ohio Insurance Institute provides some useful information, it’s important to understand that even if you have purchased UM for your personal vehicle(s), you may not be covered in the event of an accident if you are driving a company truck or auto. Check with your insurance company for details.

Of course, if you have been injured in an automobile or motorcycle accident, please feel free to contact the attorneys of Casper & Casper for assistance.

Rhys Richards, Attorney at Law

Q. What is Uninsured Motorist Insurance? Uninsured Motorist Insurance provides injury coverage to a driver that has been involved in an accident caused by the owner or operator of an uninsured vehicle or a “hit-skip.” The named insured and family members are also covered if they are pedestrians and struck by an uninsured vehicle.

Q. Are uninsured drivers a big problem in Ohio?  Because Ohio has a financial responsibility (FR) law, not a pure compulsory insurance law, it’s difficult to truly gauge the number of Ohioans who are uninsured. However, based on Ohio’s random verification program, 11.4% of Ohio motorists have been found in noncompliance with the law.

Q. Is UM/UIM insurance coverage required to operate a vehicle in Ohio? If you choose to comply with Ohio’s Financial Responsibility law the only coverage requirement is auto liability. Since some irresponsible drivers may choose to ignore the FR law, the inclusion of UM/UIM auto insurance is strongly recommended.

Q. Is UM/UIM coverage expensive? Since hundreds of companies write auto insurance in Ohio, the premium for this coverage is fairly competitive. The range is usually 5-10% of the auto policy premium, averaging around $50 a year. This will depend on such factors as the number and types of vehicle(s), driver(s) insured and the levels of coverage selected.

Q. What if I don’t want to purchase UM/UIM coverage?  This is an optional coverage. You have a choice as to whether or not it’s a coverage that you need. As with all insurance, it’s important to discuss the pros and cons of UM/UIM coverage with an attorney and an insurance professional before making a decision.

February 2, 2015

A Letter of Appreciation

Filed under: Personal Injury — Casper & Casper @ 6:07 pm
William P. Allen

William P. Allen

We often receive letters of appreciation from our clients and I thought I’d share one of our latest with you, this one to Casper & Casper attorney William Allen.

It’s terrific to be acknowledged for successfully accomplishing a difficult task, perhaps more so when you have helped an individual in need.

Please remember to give us a call, or email, if you are struggling with a Personal Injury, Social Security/Disability, or Workers’ Compensation issue… we’ll make sure you receive the assistance you need and compensation your deserve.

Barb Strady, Attorney at Law

“My wife and I are so happy we hired Casper & Casper.

We were rear-ended while riding a motorcycle and tried to handle the claim ourselves with no success. It got so bad dealing with the insurance company that we couldn’t even get the adjuster to return our calls… and the statute of limitations was running out on our claim.

That’s when we called Casper & Casper attorney William Allen. He took our case at the last minute and filed suit to protect our rights. We are very satisfied with the results. 

We truly appreciate Will, and his assistant Heather, who helped us through the frustrating process of dealing with insurance companies and their defense attorneys. I only wish we had contacted them sooner.”

George R.

November 25, 2014

Speaking Out

Filed under: General,Personal Injury,Social Security Disability — Casper & Casper @ 2:17 pm

From left: attorney Barb Strady and attorney Steven Casper.

On November 11, attorney Steven Casper addressed a large group of physicians at the Christ Hospital as a part of their Grand Rounds program. Steven spoke to physicians about the procedure and standards required when filing a claim for Social Security Disability benefits. With Steven’s insight attendees were able to better understand the Social Security Disability process as well as the difference between SSD and SSI.

Attorney Barb Strady will be speaking on December 4th at Dayton’s Crowne Plaza as part of the National Business Institute’s continuing education program. Barb will present “Applying the Rules of Evidence: What Every Attorney Needs to Know”. Seats are still available and you can visit www.nbi-sems.com if you are interested in attending or to obtain additional information.

Of course, if you have a Social Security Disability question or need assistance with a Personal Injury issue, Steven and Barb are also available for consultation.

You can contact Steve Casper and Barb Strady through this website, or by calling 800.784.2889. Your first consultation is always free.

July 14, 2014

Tips on Filing Insurance Claims After a Car Accident

Filed under: Personal Injury — Casper & Casper @ 4:30 pm

At Casper & Casper, we know that even a minor automotive or motorcycle accident can be a stressful and confusing experience. Here are some simple tips that may prove to be helpful should you be involved in an accident.

- Take reasonable steps to protect yourself and your vehicle by moving it out of the flow of traffic.
- Always report a car accident to the police if someone is injured.
- Always report a car accident to the police if the damage appears to exceed your deductible limit.
- Try to take notes at the scene that include the identification of the vehicles and people involved, and the names and badges of emergency personnel.
- Collect names, addresses and phone numbers of witnesses to the accident. You might need to get their statements later.
- Take pictures with you cell phone.
- Get a Driver Information-Exchange Form from the police officer. This is a quick checklist that covers all the information you should be collecting from the other party.
- Don’t accept money, don’t accept fault, and don’t agree to forget about the accident.
- Contact your insurer as soon as possible after the accident, and make sure that you file a complete claim. You might have difficulty processing a claim if you’re late contacting your insurer or if you’re found withholding details.
- Make sure that your insurance company agrees to pay for all repairs before you have the work completed.
- Find out how your insurer handles supplemental repairs just in case the repair shop finds more damage to your car that wasn’t on the original estimate.
- Ask your insurance company if they have a list of preferred repair shops in your area. These shops may be able to process your claim and begin repairs faster.
- Check all repairs at the auto shop and also when you’ve returned home to make sure that you’re satisfied with the work.
- Get an official receipt from the repair shop that details all the work they completed (you might need to submit this with your insurance claim).

Barb Strady, Attorney at Law

April 9, 2014

Personal Injury Law

Filed under: Personal Injury — Casper & Casper @ 5:21 pm

I’m frequently asked to define Personal Injury Law, a great question by the way, so thought I’d share what I think is a great description from Lawyers.com

Personal injury is the name given to the branch of tort law that covers any wrong or damage done to another person, his property, rights, or reputation. A personal injury can happen at work, in a traffic accident, because of a faulty product or a faulty repair, because of a mistake during medical treatment, or because you slipped and fell on a wet floor or pavement. The personal injury can be physical or psychological but, to be considered actionable, it must occur due to the negligence or unreasonably unsafe actions of your employer, a manufacturer, your doctor, your landlord, or some other person or organization who owes you a duty of ordinary care.

If you think you may have a case for a personal injury settlement, please don’t hesitate to contact the attorneys of Casper & Casper, we’ll be happy to meet with you and give you any assistance that you might need.

Barb Strady, Attorney at Law