Does Your Auto Insurance Policy Have You Covered?

Does Your Auto Insurance Policy Have You Covered

Does your auto insurance policy have you covered? In most cases you may think that you’re covered for most every accident or calamity that can happen on the road, but this may not be the case. At the law firm of Westmoreland Vesper Quattrone and Beers, we provide attorney policy reviews absolutely free of charge to the public.

There are multiple situations where you can and maybe should question whether you are sufficiently covered in case of an accident. You might be using a rental car for business or vacation, and not be sure whether you need to purchase the additional insurance. Or you may be using your own car at your place of employment and being compensated for trips. Or you may be carrying valuables of personal or financial value by necessity, and need to know what happens if they’re stolen.

In our law firm, we represent clients every day who were not sufficiently insured, and who now could be facing devastating financial difficulties from an accident. We can thoroughly review the legal aspects of your auto insurance policy, and help you understand the details of your coverage. It’s also important for you to know all of the details when filing a claim, so that you can do so correctly.

Westmoreland Vesper Quattrone & Beers can help you make sure you have the coverage you need and show you where you can and should make changes to your coverage before an accident happens. Again, there’s no cost at all for this service…so why not take advantage and secure your peace of mind?

Click here for a free attorney review of your auto insurance policy, and know for sure: Does your auto insurance policy have you covered? We’ll answer that question for you and your specific situation.

If you or someone you know are already searching for South Jersey accident attorneys, call us today at 609-645-1111 for a free consultation.

Mistakes People Make When Involved in an Auto Accident

Mistakes People Make When Involved in an Auto Accident

When you are involved in an auto accident, you are often upset, feeling a little scattered and it can be hard to think clearly. People often make mistakes when they have been involved in accident that could hurt your case. Here are the top 5 mistakes people make when involved in an accident:

1. NOT GETTING IMMEDIATE MEDICAL CARE.

If you are hurt in an auto accident, you need to seek medical care immediately. Insurance companies will often use it against you, often arguing that if you were injured, then you would have sought medical attention. If you are experiencing any pain after being involved in an auto accident, no matter how minor you think your pain is, go directly to an ER or urgent care center in order to document your injuries.

2. NOT GETTING FOLLOW UP MEDICAL TREATMENT.

After you have received initial medical attention for your injuries, insurance companies pay great attention to whether follow-up medical treatment is necessary, is performed and is consistent. Trauma specialists often advocate beginning therapeutic modalities promptly. When follow-up treatment is delayed or inconsistent, it can lead to difficulties in getting authorizations and can affect medical-legal issues in establishing causation. To avoid these issues, it is important to seek treatment with a trauma care specialist promptly.

3. ADOPTING A WAIT AND SEE APPROACH.

It is important to contact an attorney as soon as possible after being involved in an auto accident. In accident case, there may often be important evidence that needs to be preserved. Some claims require that notice of claim to the potential adverse party. If you wait, you can be sure that the insurance company is working to limit their exposure to pay you less.

4. TRUSTING THE INSURANCE COMPANY.

Insurance companies often want you to believe that they are on your side, but this is not always the case. You need to be cautious and be aware of quick cash offers which will not accurately reflect the full economic and non-economic value of your claim. Before you accept any cash offer to settle your injury claim, contact an experienced attorney first.

5. TALKING WITH THE INSURANCE COMPANY BEFORE TALKING TO AN ATTORNEY.

After an being involved in an auto accident, you will need to contact your insurance company and property damage adjusters in order to report the claim and subsequently schedule an inspection of your vehicle. These are important and should not be avoided. But, there are a few things to consider before when talking to your insurance company before talking to an attorney. First, the insurance company may try to record a statement from you, which they may use against you to deny your claim. Or they may ask you to sign something that ends you claim altogether, which usually results in very low offers than which your are entitled.

If you or a family member has been injured, due to the negligence of others, please call us at 609-645-1111 to learn more. We would be happy to arrange for a confidential free consultation.

8 Tips to Throwing a Holiday Party

8 Tips to Throwing a Holiday Party

It’s a festive time of year. Before throwing a holiday party, take a moment to think about your responsibility as the party host.

Here are 8 tips for throwing a holiday party that is safe and responsible:

1. Do your homework. If you are having a holiday event that is large, you need to read over your homeowner’s insurance policy. Review your liability coverage limits to ensure that you are adequately covered in case of an accident.

2. Watch what you eat and feed others. Whether you decide to cook the food yourself, have a five star caterer, or pizza, make sure that the food you put out is safe. If anything is undercooked, spoiled or contaminated, you could have a problem on your hands if your guest needs to seek medical attention for food poisoning. When in doubt, you should throw it out.

3. Know your state laws and statutes. In many states, a party host can be held liable if a guest is involved in an alcohol-related accident. If a party guest gets in an alcohol related accident after leaving your party, you could be held responsible for payment of medical bills, costs of vehicle repairs, and possibly claims for a wrongful death.

4. Don’t center your party around alcohol. In order to minimize the alcohol your guests drink, schedule entertainment or activities that don’t involve alcohol. Furthermore, make sure there is lots of food and non-alcoholic beverages available for your guests.

5. Choose a different location. Host your party at a bar or restaurant that has a liquor license, rather than in a home or office, to decrease your personal liability.

6. Provide a safe way for your guests to get home. If guests cannot or should not drive home, make sure you arrange transportation or overnight accommodations for them

7. Be aware of intoxicated guests. If you notice one of your guests over-drinking, cut them off. As the party host, you have every right to do it, and your guest will probably thank you for it later.

8. Purchase event liability insurance. If you are planning on having a large holiday party at your home you should consider purchasing event liability insurance which is typically valid for the day of the event and would help cover the expenses if you were found responsible for property damage or an injury caused during your celebration.

2018 Holiday Toy Safety

2018 Holiday Toy Safety

In 2017, U.S. consumers spent nearly $20 billion dollars on toys with a projected increase in toy sales for 2018. The news is great for the industry, but the problem is that many of the toys are not tested for safety.

Each year, US Public Interest Research Group (U.S. PIRG) publishes a report called Trouble in Toyland. This report identifies toys that could cause potential safety hazards for children. This year’s findings include toxic slime, not including choking warnings, and data mining from smart toys.

The most significant findings from the report include:

Toxic Slime: Slime, a popular (albeit messy) toy for kids contain levels of boron that are 15 times higher than the level recommended for safety. The EPA reports that ingesting boron can cause nausea, vomiting, rash and seizures.

Missing Choking Warnings: Balloons are the number one cause of suffocation death in children. After U.S. PIRG searched five pages for balloons on Amazon, there were no choking labels on 87 percent of the the latex balloons marketed to children. This is a violation of the law.

Smart Toys Can Be TOO Smart: Did you know that smart toys, websites and apps are collecting personal data on your children? Big names like VTech and Amazon are collecting data on without parental consent.

How Can You Keep Your Kids Safe?

As you shop for kids this holiday season, here is a safety checklist to keep with you.

Toys with sound: If the sound is too loud for you, it is too loud for your child. The sound level on a child’s toy has the potential to damage your child’s hearing. Make sure you test the sound level before you make a purchase.

Ingredients: Make sure you read all labels on the back of toys. Some contain dangerous ingredients or chemicals that could make your child very sick if ingested.

Toys with small parts: A perfect way to test if a toy’s parts are too small is with a toilet paper roll. If the smaller parts fit through it, they present a possible choking hazard for your young child.

Smart Toys: Smart toys, websites and apps could potentially be collecting private data about your child. You should always monitor any date requested from your child, and be sure to evaluate privacy policies before use.

Makeup: There is not a lot of regulation on “children’s makeup” because it is not considered a toy. You might want to steer clear of this as a gift for a child.

Previously owned or older toys: Be sure to check if the product has been recalled in order to ensure safety.

Don’t forget, the age limits on toys are there for a reason. Use common sense when purchasing toys, read all reviews and buy reputable brands. Here’s to a safe and festive holiday season!

Legal Ethics of Email Seminar

Legal Ethics of Email Seminar

On Tuesday, December 18, 2018, Dara Quattrone will be sharing tips, risks and best practices about the ethical questions, pitfalls and challenges of using email in our professional lives. Sometimes, it is often unclear as to what you can and can’t say in your emails to clients or whether data can be included in a screen shot.

Dara Quattron will lead this ½ day seminar covering additional topics such as clarifying attorney duties and providing the latest case law on lawyer use of email. If you are an attorney or paralegal looking to protect your ethical reputation and minimize risks with email, this seminar will offer you practical guidance.

DATE: Tuesday, December 18, 2018

TIME: 8:45 AM – 12:00 PM

LOCATION:
Crowne Plaza Philadelphia-Cherry Hill
2349 Marlton Pike West
Cherry Hill, NJ 08002

CLE CREDITS:
NJ CLE – 3.60
NY CLE – 3.50
PA CLE – 3.00

Flood Insurance

National Flood Insurance Program

When it comes to a flood, only a few inches of water can cost you thousands of dollars in damage. Standard homeowner’s insurance policies do not cover flooding by causes outside of the home.  For your homeowner’s insurance to cover flooding, it requires a special policy.  Flood insurance policies often include confusing exclusions and restrictions.  Because of this, insured property owners and municipalities facing flood losses often need legal representation in order to obtain the compensation they deserve.

The National Flood Insurance Program covers direct physical damage by flood to your building and/or personal property. The Standard Flood Insurance Policy only pays for flood damage to your insured property and only up to the policy limit. Contents are not automatically included. If contents coverage is desired a specific amount must be named and a separate premium charged, but it doesn’t need to be a separate policy. Contents coverage limits are $100,000 for residential policies To qualify for flood insurance, you need an Elevation Certificate (EC) from the Federal Emergency Management Agency (FEMA).

Additionally, the homeowner should be aware of the terms Actual Cash Value and Replacement Cost Value.

Actual Cash Value (ACV) is the cost to repair or replace an insured item of property at the time of the loss, less physical depreciation. The value of physical depreciation is based on the age and condition of the item. Personal property, i.e. contents, is always paid at ACV.

Replacement Cost Value (RCV) is the cost to repair or replace an insured item of property at the time of the loss without a deduction for physical depreciation. RCV is available when the insured property is the primary residence and the amount of coverage is equal to 80% or more of the replacement cost of the building. RCV is also available for residential condominium buildings. There is no required amount of coverage, but residential condominium buildings not insured to 80% of replacement cost will experience a reduction in their claims payments.

Here is a summary of what is NOT covered for your building or personal property, according to the FEMA fact sheet.

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner or which are not attributable to the flood
  • Damage caused by earth movement, even if the earth movement is caused by flood
  • Additional living expenses, such as temporary housing, while the building is being repaired or is unable to be occupied
  • Loss of use or access of the insured property
  • Financial losses caused by business interruption
  • Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
  • Currency, precious metals, and valuable papers such as stock certificates
  • Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)

Just as a reminder, once you purchase flood insurance, it takes 30 days for the coverage to become effective.  There are also eligibility requirements and a number of exclusions.  Because of the exclusions, it is often difficult for people who have incurred losses to receive the compensation that they deserve without legal representation.

If you have faced property loss due to flooding, navigating the rules of coverage limits, exclusions and regulations can be complicated.  If you have questions, contact your insurance agent or insurer.

 

Moise J. : Egg Harbor Township, NJ

Words cannot describe how grateful I am to you and the law firm of Westmoreland Vesper Quattrone & Beers for taking my case.  I was always treated first class, like family.  You were always honest & very trustworthy.  I will definitely recommend you as a personal injury attorney to any friends & family member.  Thank you for your work.

Nancy P. : Ocean City, NJ

My experience was not what I expected, as it was my first time dealing with a law firm.  There was no stress & no feeling of being rushed into things.  I was informed at all times of the progress of my personal injury case.  Overall, a very good experience.  Much thanks.

Atlantic City Litigation Attorneys

Atlantic City Litigation Attorneys

Atlantic City Litigation Attorneys

Atlantic City litigation attorneys Westmoreland Vesper Quatrone & Beers are an Atlantic City litigation attorney office you can call if you are injured or need other legal services. Our courtroom attorneys in Atlantic City have helped scores of clients earn settlements.

Our Atlantic City litigation attorneys are residents of the Atlantic City area, another fact that makes us the right Atlantic City litigation attorney firm for you. They are close to you, no matter where you live in the Atlantic City area. Westmoreland Vesper Quatrone & Beers are courtroom attorneys in Atlantic City who strive for justice around the clock.

Atlantic City Litigation Attorneys Who Work Hard for You

The law firm of Westmoreland Vesper Quattrone & Beers is an experienced, effective team that has a well-earned reputation for success, both in and out of court. With both skilled litigators & negotiators, we time and again demonstrate our ability to obtain results our clients deserve. Our attorneys are dedicated advocates for our clients, helping them get the compensation they deserve to get past hard times and put their lives back together.

The Atlantic City litigation attorneys at Westmoreland Vesper Quatrone & Beers possess a deep understanding of what an Atlantic City litigation attorney must do. Our courtroom attorneys in Atlantic City will work hard for you. The Atlantic City litigation attorneys at Westmoreland Vesper Quatrone & Beers are headquartered in West Atlantic City and represent injured persons throughout the greater Atlantic City area.

To date we have recovered over $250 million for victims of litigation. We represent Atlantic City litigation cases of all kinds. Our attorneys are experienced in all aspects of litigation and have years of experience.

Dara Quattrone 2017 Atlantic City Super Lawyer

Atlantic City Super Lawyer

Atlantic City Super Lawyer

The law firm of Westmoreland Vesper Quattrone & Beers has the pleasure to announce that Dara Quattrone has once again been selected as an Atlantic City Super Lawyer.  The 2017 Atlantic City Super Lawyer list in an honor reserved for those lawyers who exhibit excellence in practice.  Only 5% of attorneys in New Jersey receive this distinction.  Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement.

Super Lawyers selects attorneys using a patented multiphase selection process. Peer nominations and evaluations are combined with independent research. Each candidate is evaluated on 12 indicators of peer recognition and professional achievement. Selections are made on an annual, state-by-state basis. The objective is to create a credible, comprehensive and diverse listing of outstanding attorneys that can be used as a resource for attorneys and consumers searching for legal counsel.

The practice area for Dara’s selection is for Atlantic City Super Lawyer Personal Injury – Plaintiff.  Dara represents people who have been injured in car accidents, from dangerous property and victims of professional negligence.