January 20, 2017

Do I Need Uninsured Motor Coverage?

Filed under: General — Casper & Casper @ 10:46 pm

Getting into a car accident is an awful experience to begin with—but when the other driver is uninsured or simply drives off, it becomes even worse.

in case of a car accident - do you need uninsured motorist insurance?

We hope this never happens to you, but unfortunately, uninsured driver accidents are common. According to the latest data from the Insurance Information Council, 12.6 percent of drivers (about 1 in 8) are uninsured throughout the country.

Since 1953, Ohio has required all drivers to have auto insurance, yet the rate of insured drivers is among the worst in the nation. Ohio is not one of the top ten states in terms of the percentage of uninsured motorists; however, it has the country’s fourth-highest number of uninsured drivers because of Ohio’s large population. There are about 1.3 million uninsured drivers throughout the state.

Worse still, according to the State Highway Patrol, they are more likely to be at fault for accidents. The latest data from 2015 from the State Highway Patrol shows that uninsured motorists were at fault 67 percent of the time in accidents involving other vehicles. (This statistic doesn’t include hit-and-runs or damage to parked cars, which means that percentage could be even higher.)

Typically, after a car accident, the person at fault is the one whose insurance pays for damages. If you get in a car accident with an uninsured driver, you need to have automobile insurance to cover your property damage and any injuries. In cases where the other driver doesn’t have insurance, you will be on the hook for all damages and medical bills arising from the accident. That means you’ll have to pay your car insurance deductible and may also have to pay for your medical bills. While you can try to take the other driver to court to pay the expenses, this can be a difficult and futile process: most people who do not have car insurance also do not have lots of money to pay you. (You can’t draw blood from a stone, so to speak.) In addition, there is cap on the damages you can seek in small claims court not to mention the inconvenience of having to take time off from work or your life to plead your case and then to enforce any judgment.

What can you do to protect yourself? The first thing you can do is drive defensively. We promise that getting to your destination quickly is not worth the potential injury and damage of a car accident. Drive the speed limit, put your cell phone away, and act cautiously—particularly if other drivers around you are driving erratically and seem not to be paying attention. The second thing you can do is purchase uninsured motorist bodily injury coverage (UM) and underinsured motorist bodily injury coverage (UIM) insurance, uninsured motorist property damage coverage (UMPD), and underinsured motorist property damage (UIMPD) coverage. Below, we explain what each covers and why you need it.

Uninsured Motorist (UM) Bodily Injury Coverage: If you are in a car accident with an uninsured driver who is at fault, this type of coverage will pay for your medical bills (as well as those of any passengers in the car), lost wages, pain and suffering, and permanent disability. Keep in mind that you will only be covered up to the limit of the insurance you carry, so talk to your agent about what coverage level is most appropriate for you. This coverage may also apply if you are injured in a hit-and-run accident or if you are hit by an uninsured driver while you are a pedestrian.

Underinsured Motorist (UIM) Bodily Injury Coverage: This type of coverage will pay for your medical bills, lost wages, and pain and suffering if the amounts exceed what the at fault person carriers for automobile liability coverage. In Ohio, the legal amount of liability insurance is $25,000 per person and $50,000 per accident. With the cost of medical services today, $25,000 will not cover very much medical treatment.

If you carry UM or UIM coverage, make sure you carry more than the legal limit. Have at least $50,000 per person, or more, if you can afford it. You will be limited to the amount of insurance in effect on the day of the accident.

Uninsured Motorist Property Damage (UMPD) Coverage: This type of coverage will pay for the damage to your vehicle or damage to personal items. In addition, make sure you have these types of coverage:

  • GAP insurance coverage – This is a must if you have a loan on your vehicle. GAP insurance coverage covers the “gap” between what you owe on the car and what it is actually worth.
  • Replacement vehicle coverage – In Ohio, your car will not be replaced, unless you have some type of specific replacement coverage.
  • Rental car coverage – If the at fault person has no auto insurance, you will not get a rental car unless you have rental car insurance on your own policy.

When you purchase car insurance, ask what happens if the at fault person has no insurance. Tell your agent you want all of the coverage needed to protect yourself and any passengers, and discuss what policy additions you will need to make that happen.

Underinsured Motorist (UIM) Coverage: Every state requires all drivers to have car insurance, but the minimum amount of insurance coverage varies wildly. Even if the other driver has insurance, it may not be enough to cover your property damage.

In Ohio, the minimum amount of bodily injury coverage is $25,000 per person in the car and $50,000 total per accident. The minimum amount of property damage is $25,000. If you or your passengers have medical bills that cost more than $50,000 (and we all know how expensive health care is) or property damage costs of more than $25,000, you may have to pay the difference. The other driver would be responsible for the costs, but you may never see the money from him or her.

UIM coverage can help with those overflow costs.

It is not fair that responsible motorists who purchase insurance should have to pay even more in an accident with an uninsured or underinsured driver, but it is a reality if you are driving in Ohio. Many people do not have auto insurance and are not held responsible for their actions. Protect yourself, your family, and your passengers.

We recommend that you get some type of uninsured and underinsured bodily injury motorist coverage and uninsured and underinsured property damage coverage.

In Ohio, this type of coverage is not required by the state, and it’s not automatically added to your policy. You have to ask for it. Contact your insurance company to add uninsured and underinsured motorist coverage for both bodily injury and for property damage to your policy. You need to have protection from the thousands of uninsured and underinsured drivers on the road today.

If you’ve been injured in an accident with an uninsured or underinsured driver and have questions, we can help you. The Cincinnati, Ohio, personal injury attorneys at Casper & Casper have years of experience dealing with situations just like these.

Sources:

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

May 3, 2016

Casper and Casper would like to welcome Daniel Alnutt to our team.

Filed under: General,OVI Defense,Workers' Compensation — Casper & Casper @ 5:51 pm

DAN ALNUTT PHOTOS-035***

At Casper & Casper, Daniel focuses his practice on representing Workers’ Compensation claimants and OVI Defense.

Daniel R. Allnutt joined Casper & Casper as an Associate after having a general practice for the previous five years.  Prior to this, he was employed by the City of Middletown as their Assistant Prosecutor.   He is a 2009 graduate of the University of Dayton School of Law, and 2002 graduate of Miami University with a B.S. in Business Marketing.

After previously pursuing a career in the insurance industry, Daniel decided to pursue the interests of disadvantaged individuals.  During this period he witnessed a number of situations where individuals  were treated unfairly while being processed through the system.  These experiences led Daniel to realize the importance of all people having an advocate that protects and advances their interests.

If you are facing an OVI charge, or Worker’s Compensation issue, please don’t hesitate to email, or give Daniel a call.

February 2, 2016

Secret Smiles

Filed under: General — Casper & Casper @ 5:29 pm

Casper & Casper is proud to announce our support of Secret Smiles, an amazing organization that serves needy families in the Miami Valley. On March 7th, Casper & Casper will be teaming up with the Fifth Street Brew Pub to help raise funds for this worthwhile cause. Be sure to stop by and show your support.

Until then, here’s a bit of information about Secret Smiles taken from their website - www.secretsmilesdayton.org

SECRET SMILES

A child sleeping on a cold floor with nothing but a sheet to keep him warm.

A newborn baby lying on a dirty mattress because she has no crib.

Mothers in despair because they are unable to provide a basic necessity for their children.

These are the faces of Secret Smiles.

The Mission of Secret Smiles is simple. Secret Smiles of Dayton provides beds, cribs and bedding to those in our community who are without. We have located hundreds of children who now, thanks to your generosity, have new beds as well as sheets, blankets, pillows and comforters to keep them warm at night in a special place all their own.

This past year we have seen tremendous growth due to continued community support and witnessed first hand that everyone is capable of making a difference in many extraordinary ways. Friends and strangers have eagerly helped to make deliveries to our needy families; local businesses and organizations have supported us with donations and in-kind gifts for our fundraisers, children have forgone birthday gifts and have asked, instead, that donations be made to Secret Smiles of Dayton. Others have supported us with monetary donations and/or by attending one of our many fundraisers.

With each donation we receive, virtually 100% goes directly out into our community in support of Secret Smiles’ mission. We have created a charitable organization that is not burdened with administrative costs such as salaries or other compensation because we are staffed only with concerned volunteers. The result, more smiles for our recipients!

Thank you for your continued support of Secret Smiles of Dayton. Our passion and your generosity will transform lives!

 Tracy Janess

President

November 25, 2015

Casper & Casper RUMBLE IN THE JUNGLE Contest!

Filed under: General — Casper & Casper @ 1:49 pm

Casper_Casper_RITJ_Contest

Love the Cincinnati Bengals? Then you don’t want to miss out on our RUMBLE IN THE JUNGLE contest. It’s easy to enter for a chance to win.

‘Like’ our Facebook page any time between November 30 and December 18, 2015, for a chance to win one of these three great prizes:

  • GRAND PRIZE (1) — Two tickets to the Cincinnati Bengals vs. Baltimore Ravens game, Sunday, January 3rd at 1:00 p.m. at Paul Brown Stadium. Prize valued at $200.
  • FIRST PRIZE (1) — One (1) Cincinnati Bengals Calgary cuffed knit hat, one (1) Cincinnati Bengals 24oz gridiron wrap tumbler, Cincinnati Bengals striped core duffle bag, and Cincinnati Bengals plush blanket (46” x 60”). Prize valued at $100.
  • SECOND PRIZE (1) — One (1) Cincinnati Bengals neon light. Prize valued at $70.

Earn an additional entry when you share this blog or any contest post on your timeline!

See contest rules for complete details. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook. Any questions, comments or complaints regarding the promotion will be directed to Sponsor, not Facebook.

November 24, 2015

Casper & Casper RUMBLE IN THE JUNGLE Contest Rules

Filed under: C&C Fun — Casper & Casper @ 2:42 pm

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.

The “Casper & Casper RUMBLE IN THE JUNGLE Contest” is sponsored by Casper & Casper, LLC (“Sponsor”). This contest is governed by these official rules (“Official Rules”). By participating in the contest, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the results of the contest, as determined by Sponsor and its agents, are final in all respects. The contest is subject to all federal, state and local laws and regulations and is void where prohibited by law.

This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook. Any questions, comments or complaints regarding the promotion will be directed to Sponsor, not Facebook.

ELIGIBILITY

The Contest is open to legal residents of their respective countries where not prohibited by law, who are eighteen (18) years of age or older at the time of entry, who have Internet access and a valid email address during and after the Contest Period. If entering the contest via Facebook, participants must have a valid Facebook account prior to the beginning of the Contest Period. Sponsor has the right to verify the eligibility of each entrant.

SWEEPSTAKES PERIOD

The Sweepstakes begins on November 30, 2015 at 8:00 am EST and ends on December 18, 2015, at 11:59 pm EST (“Contest Period”). All entries (submissions) must be submitted or posted on or before the time stated during that Contest Period. Sponsor reserves the right to extend or shorten the contest at their sole discretion.

HOW TO ENTER

Participants can enter the Contest by:

1. ‘Liking’ Sponsor Facebook Page. You can only like Sponsor Facebook Page one time for one entry. NOTE: You must ‘Like’ the page, not just the post, to officially enter the Contest.

2. Choose to share the “Casper & Casper RUMBLE IN THE JUNGLE Contest” posts on your Facebook timeline during the Contest Period and earn one additional entry per share.

During the Contest Period, you can receive one entry for “Liking” Sponsor

Facebook page and one entry for each contest Facebook post you choose to share on your timeline.

NOTE: Sharing the contest post on your Facebook timeline is not a contest required.

WINNER SELECTION

All eligible entries received during the Contest Period will be collected at the end of the Contest Period. One (1) winner will be randomly selected for the prize. Winners must have a valid email address, phone/cell number and/or active Facebook account during and after the Contest Period to win. The winner will be notified via email, phone/cell or Facebook direct/private message.

Winners will be announced on or about December 23, 2015 on or about 3 pm EST. The winner will be contacted by email, phone/cell or Facebook direct/private message with instructions for picking up winning prize. Each entrant is responsible for monitoring his/her email, phone/cell and/or Facebook account for prize notification and receipt or other communications related to this contest.

If the potential prize winner cannot be reached by Administrator (or Sponsor) within three (3) days, via the winner’s email, phone/cell and/or Facebook account, or if the prize is returned as undeliverable, that potential prize winner shall forfeit the prize. Upon the request of the Sponsor, the potential winner may be required to return an Affidavit of Eligibility, Release and Prize Acceptance Form and IRS W-9 form. If a potential winner fails to comply with these official rules, that potential winner will be disqualified. The prize may not be awarded if an insufficient number of eligible entries are received.

PRIZES:

GRAND PRIZE (1) — Two tickets to the Cincinnati Bengals vs. Baltimore Ravens game, Sunday, January 3rd at 1:00 pm at Paul Brown Stadium. Prize valued at $200.

FIRST PRIZE (1) — One (1) Cincinnati Bengals Calgary cuffed knit hat, one (1) Cincinnati Bengals 24oz gridiron wrap tumbler, Cincinnati Bengals striped core duffle bag, and Cincinnati Bengals plush blanket (46” x 60”). Prize valued at $100.

SECOND PRIZE (1) — One (1) Cincinnati Bengals neon light. Prize valued at $70.

Terms and conditions may apply. Incidental expenses and all other costs and expenses which are not specifically listed as part of a prize in these Official Rules and which may be associated with the award, acceptance, receipt and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. ALL FEDERAL, STATE AND LOCAL TAXES ASSOCIATED WITH THE RECEIPT OR USE OF ANY PRIZE IS SOLELY THE RESPONSIBILITY OF THE WINNER.

ADDITIONAL LIMITATIONS

Prize is non-transferable. No substitution or cash equivalent of prizes is permitted. Sponsor and its respective parent, affiliate and subsidiary companies, agents, and representatives are not responsible for any typographical or other errors in the offer or administration of the Contest, including, but not limited to, errors in any printing or posting or these Official Rules, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Contest is unlawful and subject to possible legal action by Sponsor. Sponsor reserves the right to terminate, suspend or amend the Contest, without notice, and for any reason, including, without limitation, if Sponsor determines that the Contest cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Sponsor’s control corrupt the administration, security, fairness, integrity or proper play of the Contest. In the event any tampering or unauthorized intervention may have occurred, Sponsor reserves the right to void suspect entries at issue. Sponsor and its respective affiliates, agents, and representatives, and any telephone network or service providers, are not responsible for incorrect or inaccurate transcription of entry information, or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise.

INDEMNIFICATION AND LIMITATION OF LIABILITY

By entering the Contest, each entrant agrees to indemnify, release and hold harmless Sponsor and its affiliates, the Facebook platform, administrator, advertising and promotional agencies, and all their respective officers, directors, employees, representatives and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Contest and the acceptance, use or misuse of any prize that may be won. Sponsor and its affiliates do not make any warranties, express or implied, as to the condition, fitness or merchantability of the prize. Sponsor and its subsidiaries, affiliates, advertising and promotional agencies, and all their respective officers, directors, employees, representatives and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the sweepstakes.

PUBLICITY

By participating, each entrant grants Sponsor permission to use his/her name, likeness or comments for publicity purposes without payment of additional consideration, except where prohibited by law.

CONTEST SPONSOR

This Contest is sponsored by:

Casper & Casper, LLC
130 W. Second Street, Suite 1950
Dayton, OH 45402

Any questions regarding this Contest should be directed to contest Administrator at contests@foliodesignhaus.com.

September 3, 2015

Happy Labor Day!

Filed under: C&C Fun,Holidays — Casper & Casper @ 3:08 pm

C&C_Labor_Day

As we approach Labor Day weekend, I thought it might be fun to share a bit of information about this “end of summer” holiday.

Matthew Maquire, a machinist, and secretary of the New York Central Labor Union, first proposed the holiday in 1882 as a tribute to the American laborer and the contributions they made to the strength, prosperity and well-being of the United States. President Grover Cleveland made Labor Day official five years later in 1887.

For some, Labor Day means parades, picnics with the family, or time to kick back and simply relax. To others it’s the start of football season, and if you happen to be a social butterfly, it’s the last day of the year to fashionably wear white.

My co-workers at Casper & Casper and I consider Labor Day one of the “best” holidays, perhaps because it means slowing down a little after the hustle and bustle of summer, but maybe more importantly, because it honors the folks all of us at Casper & Casper seek to serve each and every day… the common working man and woman.

So, here’s to those that keep America strong. I hope you have a terrific Labor Day!

Barbara Strady, Attorney at Law

July 8, 2015

Casper & Casper ALL-STAR Night On The Town CONTEST

Filed under: C&C Fun,General — Casper & Casper @ 3:04 pm

C&C_All_Star_NOTT_LogoNO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.

The “Casper & Casper ALL-STAR Night On The Town CONTEST” is sponsored by Casper & Casper, LLC (“Sponsor”). This contest is governed by these official rules (“Official Rules”). By participating in the contest, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the results of the contest, as determined by Sponsor and its agents, are final in all respects. The contest is subject to all federal, state and local laws and regulations and is void where prohibited by law.

This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook. Any questions, comments or complaints regarding the promotion will be directed to Sponsor, not Facebook.

ELIGIBILITY
The Contest is open to legal residents of their respective countries where not prohibited by law, who are eighteen (18) years of age or older at the time of entry, who have Internet access and a valid email address during and after the Contest Period. If entering the contest via Facebook, participants must have a valid Facebook account prior to the beginning of the Contest Period. Sponsor has the right to verify the eligibility of each entrant.

SWEEPSTAKES PERIOD
The Sweepstakes begins on July 8, 2015 at 8:00 am EST and ends on July 14, 2015, at 11:59 pm EST (“Contest Period”). All entries (submissions) must be submitted or posted on or before the time stated during that Contest Period. Sponsor reserves the right to extend or shorten the contest at their sole discretion.

HOW TO ENTER
Participants can enter the Contest by:

1)   Visiting www.casperlaw.com and clicking on the Contest link to submit an official entry. Entry forms must be filled out completely and include an active email address and/or phone/cell number. You may submit one entry form every time you visit Sponsor website.

2)    ‘Liking” Sponsor Facebook Page. You can only like Sponsor Facebook Page one time for one entry. NOTE: You must ‘Like’ the page, not just the post, to officially enter the Contest.

3)    Choose to share the “Casper & Casper ALL-STAR Night On The Town CONTEST” posts on your Facebook timeline during the Contest Period and earn one additional entry per share.

During the Contest Period, you can receive one entry for each completed submission on Sponsor website, one entry for “Liking” Sponsor Facebook page, and one entry for each contest Facebook post you choose to share on your timeline.

NOTE: Sharing the contest post on your Facebook timeline is not a contest required.

WINNER SELECTION
All eligible entries received during the Contest Period will be collected at the end of the Contest Period. One (1) winner will be randomly selected for the prize. Winners must have a valid email address, phone/cell number and/or active Facebook account during and after the Contest Period to win. The winner will be notified via email, phone/cell or Facebook direct/private message.

Winners will be announced on or about July 16, 2015 on or about Noon EST. The winner will be contacted by email, phone/cell or Facebook direct/private message with instructions for picking up winning prize. Each entrant is responsible for monitoring his/her email, phone/cell and/or Facebook account for prize notification and receipt or other communications related to this contest.

If the potential prize winner cannot be reached by Administrator (or Sponsor) within three (3) days, via the winner’s email, phone/cell and/or Facebook account, or if the prize is returned as undeliverable, that potential prize winner shall forfeit the prize. Upon the request of the Sponsor, the potential winner may be required to return an Affidavit of Eligibility, Release and Prize Acceptance Form and IRS W-9 form. If a potential winner fails to comply with these official rules, that potential winner will be disqualified. The prize may not be awarded if an insufficient number of eligible entries are received.

PRIZES:
One (1) prize consisting of – two (2) $75.00 Gift Cards to Montgomery Inn (a total of $150), one (1) All-Star Duffle Bag by Antigua Sport, one (1) 2015 All-Star Commemorative Bat by Louisville Slugger, and two (2) Cincinnati Reds 2015 All-Star Game Adjustable Baseball Caps by Nike. Prize package valued at $375.00.

Terms and conditions may apply. Incidental expenses and all other costs and expenses which are not specifically listed as part of a prize in these Official Rules and which may be associated with the award, acceptance, receipt and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. ALL FEDERAL, STATE AND LOCAL TAXES ASSOCIATED WITH THE RECEIPT OR USE OF ANY PRIZE IS SOLELY THE RESPONSIBILITY OF THE WINNER.

ADDITIONAL LIMITATIONS
Prize is non-transferable. No substitution or cash equivalent of prizes is permitted. Sponsor and its respective parent, affiliate and subsidiary companies, agents, and representatives are not responsible for any typographical or other errors in the offer or administration of the Contest, including, but not limited to, errors in any printing or posting or these Official Rules, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Contest is unlawful and subject to possible legal action by Sponsor. Sponsor reserves the right to terminate, suspend or amend the Contest, without notice, and for any reason, including, without limitation, if Sponsor determines that the Contest cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Sponsor’s control corrupt the administration, security, fairness, integrity or proper play of the Contest. In the event any tampering or unauthorized intervention may have occurred, Sponsor reserves the right to void suspect entries at issue. Sponsor and its respective affiliates, agents, and representatives, and any telephone network or service providers, are not responsible for incorrect or inaccurate transcription of entry information, or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise.

INDEMNIFICATION AND LIMITATION OF LIABILITY
By entering the Contest, each entrant agrees to indemnify, release and hold harmless Sponsor and its affiliates, the Facebook platform, administrator, advertising and promotional agencies, and all their respective officers, directors, employees, representatives and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Contest and the acceptance, use or misuse of any prize that may be won. Sponsor and its affiliates do not make any warranties, express or implied, as to the condition, fitness or merchantability of the prize. Sponsor and its subsidiaries, affiliates, advertising and promotional agencies, and all their respective officers, directors, employees, representatives and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the sweepstakes.

PUBLICITY
By participating, each entrant grants Sponsor permission to use his/her name, likeness or comments for publicity purposes without payment of additional consideration, except where prohibited by law.

CONTEST SPONSOR
This Contest is sponsored by:
Casper & Casper, LLC
130 W. Second Street, Suite 1950
Dayton, OH 45402

Any questions regarding this Contest should be directed to contest Administrator at contests@foliodesignhaus.com.

July 6, 2015

We Wanna Pump… You Up!

Filed under: C&C Fun,General — Casper & Casper @ 12:50 pm

All of us at Casper & Casper understand the importance of a healthy lifestyle, but perhaps no one more so than a few of the awesome ladies in our Middletown office.

Five of the gals from our Middletown team are on a mission to get in shape with the help of a new gym in Franklin – Get Fit Body Boot Camp. Here they at the Get Fit ribbon cutting ceremony held on June 30th. We’re told that right after the photo was taken, the gang geared up for another fitness class. Good job girls!

CASPER FITNESS

Photo: Left to right: Heather R., Robyn P., Lori B., Megan R., Lynda and Cory Beth B.

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