It is bad enough to have been involved in a bad accident, but it becomes a real nightmare when you learn that the person who caused the accident either has no insurance or has minimum coverage.

If you have been a victim of a bad car accident and the wrong doer has no insurance or minimum coverage, you still have to call me.

Oftentimes, I am able to find additional substantive sources of insurance. Let me give you some examples. Sometimes, the offending party is working at the time of the accident and I am able to access their employer’s policy. Also, the driver may have been operating someone else’s vehicle. As you may know, insurance follows the car and I may be able to target the owner’s insurance.

A third source of insurance is not common or widely known. In the state of Ohio, if you are living with a blood relative at the time of an accident, you may be covered under that relative’s insurance.

We have to prove residency, meaning that you actually did live with your relatives. The criterion is normally that you receive mail, keep possessions, and eat meals at that residence. But please know, that the relative’s location does not have to be considered your primary residence.

I constantly preach that it is critically imperative to have a substantive policy and prevention for the under-insured or uninsured.

The resolution to the lack of insurance is to have an umbrella policy. Simply stated, an umbrella policy is in addition to your basic liability under insured provisions. Most umbrella policies provide an additional million dollars in policy increments, up to five million dollars.

For a few hundred dollars a year more, you could provide the peace of mind knowing if you and your family were in a bad accident, then you will be adequately covered by insurance coverage to compensate for the accident.

Please call your insurance agent today and inquire about umbrella coverage. When your agent is done telling you about it, ask him/her why it was never mentioned to you beforehand.

I have found that the vast average of insurance agents purposely refuse to tell their clients about this critical coverage. I find this conduct to be not only a breach of the fiduciary duty to their client, but a reprehensible act.

In 33 years of representing the injured victim in Cleveland, many of my clients who were victimized in bad accidents were angered to learn that they should have had an umbrella policy in place to compensate them for a catastrophic injury.

Remember, if you or a loved one are involved in a bad accident, I am available to meet at a time and place that is most convenient for you. And keep in mind, you will meet with me personally. If I do decide to take the case, all of my clients get my direct dial cell phone number. Often times, my client’s needs and concerns do not fall within a nine to five parameter.

If someone has hurt you or your family, please call me, and I’ll Make Them Pay!®.

Be sure to watch “Getting Legal with Tim Misny” every Friday at 7:55 a.m. on CBS 19

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