Wisconsin Uninsured/Underinsured Umbrella

In my Wisconsin car insurance post I was not adamant enough in stating that you need to have an endorsement specially added to your Umbrella policy that makes the umbrella cover Uninsured and Underinsured motorists.

Wisconsin Personal Injury Attorney

Wisconsin Car Insurance Advice

In addition to giving the advice I just posted on, I also make strong recommendations on car insurance in Wisconsin.

Put briefly, most people must have at least:
$250,000 in Uninsured Motorist Coverage (“UM”);
$250,000 in Underinsured Motorist Coverage (“UIM”); and
$250,000 in Liability Coverage.

Wisconsin insurance companies also offer “umbrella” insurance and I HIGHLY recommend to those considering themselves to be UPPER MIDDLE CLASS folks:
$1,000,000 in Umbrella coverage WITH an INSURANCE RIDER for -
$1,000,000 in Uninsured & Underinsured coverage.

The $1,000,000 in UM/UIM COVERAGE is key to protect you and your family.

Wisconsin Personal Injury Lawyer

Personal Injury Settlements & Verdicts

Personal injury settlements and verdicts are all our justice system has to give victims of wrongful death, malpractice, mesothelioma, etc. and when victims receive what can be a significant sum of money, it's too easy to spend it. Sadly, I recently learned of a person who received more than million-dollars and spent it in less than 2 years! This recent article has good advice for such individuals as does this Andrew Tobias book, which is one of my all-time favorites.

Today, I really like Vanguard for individuals and its Vanguard Target Retirement Funds. I invest in the latter and recommend these to friends and family, young and old. Fees are incredibly low and the funds are simple but diverse and can be aggressive or conservative depending on your age. Once you buy one, you never ever have to move the money as the funds adapt to your age using the same type of asset allocation and diversification strategies used by the best trust companies and money managers.

Wisconsin Personal Injury Attorney

Fatal Wisconsin Car Accidents & Teenagers

Wisconsin car accidents often involve injuries and wrongful death and too often the latter takes place when a Wisconsin teenage driver is involved. Nationally, fatal car accidents are the leading cause of death for teenagers. These car crashes sometimes involve alcohol, but there is a lot more to safe teen driving than avoiding alcohol. Check out these teen driving safety tips to learn more and prevent your child from becoming another teen car accident statistic in Wisconsin.

Wisconsin Personal Injury Lawyer

www.frankpasternak.com

Fyi, for those hunting for my firm's web site at www.frankpasternak.com, it's down temporarily. Please call me at 414-257-4100 if you have any inquiries. BTW, I'm working on my Wisconsin Personal Injury Lawyer
Google Page too. Who knows?

Medical Malpractice Caps now Law

Eye on Wisconsin has a great post disagreeing with Governor Doyle's signing into law the new Wisconsin medical malpractice caps written by Republican legislators.

I wonder if the Republican Party of Wisconsin will issue a second press release now?? Here's The Price of a Veto press release it put out after the Governor vetoed a prior bill.

Wisconsin health care costs are out-of control and it has the lowest medical malpractice insurance premiums in the country. Here's the Wisconsin Medical Society talking up our low malpractice rates and the Wisconsin Legislative Reference Bureau.

Caps only punish victims of a doctor or hospital's medical malpractice.

Wisconsin Medical Malpractice Lawyer

Insurance company bad faith post-Katrina

Insurance companies showed their true colors right after Hurricane Katrina, which is why we saw lots of touchy feely insurance company ads and even tort reformer Sen. Trent Lott sued State Farm.

Looks like a Missippippi trial lawyer has the goods on at least one of the insurance companies involved thanks to an insurance company whistleblower. Imagine this, that insurance company pressured engineers to change their conclusions about what caused the damage so that policyholders' claims could be denied.

Just as a reminder, Insurance companies want:
~ Premiums not claims
~ To deter valid lawsuits
~ People to hate lawyers so they never get one
~ You to feel guilt for making legitimate claims
~ You to think you're "not the kind of person who files a lawsuit"
~ Juries to think a person who files a suit is dishonest
~ Jurors minds made up before evidence is heard
~ Your rights minimized or removed
~ Their rights maximized and preserved
~ People to feel juries give away money
~ Verdicts for damages to be less then what is fair
~ Caps on damages to minimize your justice
~ Judges who will avoid holding them accountable

Wisconsin Personal Injury Attorney