People are sometimes uneasy around personal injury attorneys because after tragedy strikes we usually end up talking about money and placing a value on the harm caused by others. This is part of our job when helping our clients.
I understand why that makes some people uncomfortable, I really do. It can seem insensitive to be concerned with dollars when families are dealing with injuries or death.
After a life-altering accident, survivors and family members start trying to get their life back to a new sense of normal … and in our society, the way we attempt to make them whole again is by financial compensation.
Take the terrible fertilizer plant explosion in West, Texas last month. The West Fertilizer Plant exploded on April 17 causing 15 deaths, more than 200 injuries and an estimated $100 million in damages.
Unfortunately for those who lost loved ones, homes — or jobs when businesses were destroyed — the company only has $1 million in liability insurance. It is a small amount compared with the devastation, and because the company was under insured, it will take much longer for the people of West to move on.
Since the explosion was national news, hard questions are being asked this time. Like why the state requires an elevator contractor to carry more insurance than the fertilizer company?
The sad truth is these sorts of things happen every day on a smaller scale.
For instance, did you know that when your insurance agent sells you “total coverage” on your car, total coverage does not include uninsured motorist coverage? That means if you are fully insured and driving safely, following all the rules, and you get hit by a careless driver with no insurance, you might be out of luck. You could be facing lost wages, medical bills and car repairs or replacement without any help.
And if you think your other insurance will kick in, you could be wrong.
According to a survey, nearly half of all adult Americans went without health insurance for at least part of 2012. And according to the Bureau of Labor Statistics, 30 percent of Americans have no life insurance and half say they don’t have enough.
To help you before possible disaster hits, Weinstein Law is offering to review your insurance coverage for free. Now don’t worry, we don’t sell insurance and we aren’t connected with anyone who does sell insurance. We are not looking to get a piece of your deductible. We want to help you get some peace of mind by knowing you are covered. … And if tragedy strikes, that may be just what you need.
If you would like for us to review your insurance, give us a call at 903-677-5333.