Articles Posted in Insurance

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Car accidents are still significantly higher than pre-pandemic numbers.  In fact, the United States performs poorly compared to other developed nations because our traffic injuries and deaths are increasing instead of decreasing.  The United States Department of Transportation estimates 18,720 people died in traffic-related deaths in the first 6 months of 2024.  Nearly 72 million people are driving for the Thanksgiving holiday, so now is the time to do some safety preparation and planning that includes vehicle maintenance as well as an insurance check-up amongst other things. Continue reading

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In subdivisions all around Middle Tennessee, you routinely see teenagers driving golf carts with their friends.  At lake communities, neighbors use them to get down to the water and to get to the neighborhood get-together.  In downtown Franklin, residents use them to go to dinner.  And while golf carts are fun, they can be dangerous.  And depending upon how you are using them, you could be breaking the law.   In fact, Tennessee law has different requirements depending upon the speed capabilities of the vehicle.  Read on to learn more about Tennessee law regarding golf carts and how to protect yourself if there is an accident. Continue reading

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Let’s start with who is officially Gen Z.  Individuals born between 1997 and 2012 are considered Gen Z.   The adult members of Gen Z range from 18 years old to 27 years old.  .

As these Gen Z adults leave the nest (hopefully) and make their way into the world, they need to understand terms like “deductible”, but only 27% of them do.  Specifically, as to auto insurance, 22% of Gen Z adults have “little or no awareness” of the importance of auto insurance”.  This is especially frightening because this age group also happens to be the most likely to be in an auto accident.  Read on for one of the most important auto insurance tips for everyone, not just Gen Z. Continue reading

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Part of our job is to attempt to keep up with what our opponents (the insurance industry and their lawyers) are thinking and doing.  One of the many ways we try to do that is by reading insurance industry publications such as Claims Journal.  In a recent Claims Journal article, the author interviewed Harish Kapur, CEO of Across America Insurance Services.  Mr. Kapur’s comments are nothing new to us, but they are a good reminder to anyone who is considering filing a personal injury or wrongful death claim.  Here are three key take-aways:

  1. The insurance companies handle injury claims all day-every day, while this is hopefully your one and only injury claim.

Mr. Kapur bragged about his “crack team of in-house adjusters” and how they “have to know everything about the file.”   The insurance adjusters know what information is critical.  They know how to ask questions and frame the narrative during a recorded statement.  They are trained how to interview witnesses and scour the internet for information on you.

Continue reading

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For Valentine’s Day, I received a gift card for a spa.  When I began to book an appointment online for the massage, I was asked to electronically sign a Release of All Claims.  Among other things, the Release of All Claims for a massage at this spa stated that if death resulted from the massage, then the spa was not responsible.  There were also other excessive provisions. I declined to sign the Release of All Claims, and the spa was kind enough to refund the purchased gift card, but the outrageousness of their request is not particularly isolated.  Every day, businesses ask their prospective customers to sign releases before providing services or allowing participation in activities.  As such, we thought it would be good to review what exactly is a release of all claims. Continue reading

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The most common cause of a bike accident is collision with a car or truck.  Not surprisingly, given the disparity in weight and protection between a bicycle and car, the bicyclist typically suffers serious injuries.   Most bicycle accidents occur in urban areas and are caused by a car or truck driver failing to yield.  According to the Department of Safety, there were 370 bicycle accidents in Tennessee in the most recent data year.  So, if you are a bicyclist, do you know what to do after a bike accident?  Do you know what insurance covers a bicycle accident?  Do you know how to make a claim for a bike accident?   And do you know how long it is going to take to recover from a bike accident? Continue reading

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Last week, we told you that Tennessee ranked as the 7th worst in the nation for car accidents and how to protect yourself with uninsured/underinsured motorist coverage.  Unfortunately, Tennessee also ranks 7th worse in the nation for accidents involving trucks, so this week we have advice for you in the event you are injured by a large truck. Continue reading

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How are you doing on your New Year’s resolution?  Whether you love them or hate them, resolutions are a New Year tradition for most people.  The purpose, of course, is to identify areas in your life for improvement and then resolving to stop doing the bad things or begin doing beneficial things.   The overwhelming majority of resolutions take time and, unfortunately, the majority fail.  Lucky for you, the award-winning attorneys at the Law Offices of John Day have a resolution for your New Year that is easy, does not take much time at all but could make all the difference in the event you are involved in a car accident. Continue reading

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Litigation is fighting with rules, confrontation with a referee.  Most people do not enjoy confrontation, and for others, it brings out their worst.   If you are involved in litigation or have a claim that may result in litigation, please take our advice: don’t get cute.  A few news articles lately have shown what happens when people try to get cute during litigation. Continue reading

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Despite decades of public safety campaigns, drunk driving is on the rise.  According to recent data from the National Highway Traffic Safety Administration, the most recent data shows nearly 14,000 people lost their lives to drunk driving in the last data year, a nearly 15% increase over the prior year.  Drunk driving accidents account for almost 1/3 of all traffic related deaths. Continue reading

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