Car Pool Driver Liability

Ride sharing makes very good sense. It is economically and environmentally sound when done regularly. Co-workers, for example, who ride to and from work together save money for themselves and make a contribution to cleaner air for us all. Unfortunately, car-pooling is...

Umbrella Insurance

One of the best insurance values available continues to be an umbrella policy. Umbrella coverage is a special type of liability insurance.  Liability insurance protects the policyholder from claims and lawsuits made against him or her by others.  Car...

Homeowner’s and Renter’s Policies Provide Broad Protection

I recently spoke with a man who told me about a recurring nightmare, his mailman is badly injured when he slips on a toy left lying in the driveway. The injured mailman hires a lawyer who files suit and eventually wins a large judgment, financially wiping out the man....

Going Underinsured Is a Game of Chance You Shouldn’t Play

You might think million dollar insurance settlements and jury verdicts are common. They are not. Your odds of being on either end (payer or payee) of a million-dollar lawsuit are less than your odds of winning the big prize in the Arizona Lottery. These long odds are...