16 Mar 2010 10:20 Africa/Lagos
Is Your Dog Covered Under Your Homeowners Insurance?
ONTARIO, Calif., March 16 /PRNewswire/ -- "Asking if your dog is covered under your homeowners insurance policy may be a strange question to ask, but according to the Journal of American Medical Association, the number of dog bites in America now tops 4.5 million per year," says Frank N. Darras, America's top insurance lawyer. "An overwhelming one-third of all homeowner's liability claims are now related to dog bites, equaling about $1 billion in damages, according to the Insurance Information Institute."
(Photo: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02)
So, how do you protect your finances from a liability suit if Fido should ever bite the mailman? One type of policy that has become popular is Umbrella insurance. Umbrella Insurance is designed to give you added liability protection above and beyond the limits on your homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional $1-5 million in liability protection. This protection is designed to "kick-in" when the liability on your other current policies has been exhausted. See www.DarrasLaw.com.
How do you decide if umbrella coverage is right for you? You first need to evaluate what assets you want covered and what the likelihood of getting sued may be. It may be more cost-effective to raise your liability limits on your homeowners insurance, rather than buying an umbrella policy. Also, by raising your deductible, you may ultimately pay less premium than you had originally been paying. No matter, with the commonality of million-dollar settlements and verdicts, an umbrella policy may be the best way to go, says Darras.
For example, if you own a swimming pool, hot tub, trampoline, swing set, or pets, it would be a good idea to consider getting an umbrella policy, especially if you have guests over and your dog tends to snap at people. If you don't regularly have people over and your pooch couldn't hurt a fly, it may not be that important.
With personal liability umbrella policy coverage, you can include personal injury, property damage or bodily injury-which may be caused by you, your pets, or your dependents. Along with personal injury protection, you may be covered in the unfortunate event of:
-- False arrest
-- False imprisonment
-- Defamation
-- Invasion of privacy
-- Malicious prosecution
-- Eviction
-- Wrongful entry
Some umbrella policies go as far as giving you coverage if you're charged while actively participating on the board of a charitable, religious or civic organization. It's important to realize that even if the lawsuit is frivolous or silly, you will still need to pay the expenses of the litigation defending yourself.
For more information, visit www.DarrasLaw.com or call 800-458-4577.
Frank N. Darras available for interviews, contact robin@mcdavidpr.com or call 650-279-9512.
Available Topic Expert(s): For information on the listed expert(s), click
appropriate link.
Frank N. Darras
Photo: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com/
Source: Frank N. Darras
CONTACT: +1-650-279-9512, robin@mcdavidpr.com, for Frank N. Darras
Web Site: http://www.darrasnews.com/
http://www.darraslaw.com/
Showing posts with label Frank Darras. Show all posts
Showing posts with label Frank Darras. Show all posts
Wednesday, March 17, 2010
Monday, April 14, 2008
How To Be a Great Insurance Lawyer
14 Apr 2008 10:06 Africa/Lagos
How To Be a Great Insurance Lawyer
ONTARIO, Calif., April 14 /PRNewswire/ --
It is hard enough just getting into law school and keeping pace with core requirements, says Frank N. Darras, the nation's leading disability and long-term care insurance lawyer. Darras worked selling medical equipment while attending law school and fell in love with the idea of helping the disabled fight for their insurance rights. See http://darrasnews.mediaroom.com/.
(Photo: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02 )
Have you thought about taking an insurance law course in law school?
"Elective insurance law courses cover everything from property, life, disability and health to auto, mortgage and long-term care. Whether you ultimately want to defend corporate insurance companies or represent the insured, it's a course that will reap real benefits. Insurance is everywhere and it is often hard to understand and difficult to square what you thought you bought with what you actually received," says Darras.
In his case, Darras says he wanted to be the voice of the disabled, so no matter whether they were rich or poor, they would know his name meant real protection when they needed it most. An insurance law elective, would have been a wonderful way for him to hit the ground running after graduation but it wasn't available.
"Twenty years later, Frank N. Darras is famous for setting the standard to which insurance lawyers are held. He has been a hero for the sick, the elderly and he really is a modern day David fighting Goliath," says James A. Hayes, Jr., Assistant Dean of Academic Programs and Associate Professor at Western State University College of Law. See http://www.wsulaw.edu/.
"Last month, at WSU, we held the first annual Frank N. Darras Disability Law Moot Court Competition, at the school's Fullerton campus. As far as we can tell, it is the only moot court competition in the country that focuses exclusively on disability law," says Hayes. "For tomorrow's lawyers to compete in this unique competition opens opportunities for their futures, but also for everyday Americans who buy insurance to protect them from the unthinkable."
"This competition affords law students the opportunity to understand insurance law and determine if this is the field they want to explore and master as a career. We sure could use some great insurance lawyers to stand up for everyday people," says Darras.
See http://darrasnews.mediaroom.com/ or call 800-458-4577.
Available Topic Expert(s): For information on the listed expert(s), click appropriate link. Frank N. Darras http://profnet.prnewswire.com/Subscriber/ExpertProfile.aspx?ei=39767
Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: Frank N. Darras
CONTACT: Robin Nolan, +1-650-279-9512, robin@mcdavidpr.com, for Frank N.
Darras
Web site: Darras News
NOTE TO EDITORS: Darras available for interviews.
How To Be a Great Insurance Lawyer
ONTARIO, Calif., April 14 /PRNewswire/ --
It is hard enough just getting into law school and keeping pace with core requirements, says Frank N. Darras, the nation's leading disability and long-term care insurance lawyer. Darras worked selling medical equipment while attending law school and fell in love with the idea of helping the disabled fight for their insurance rights. See http://darrasnews.mediaroom.com/.
(Photo: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02 )
Have you thought about taking an insurance law course in law school?
"Elective insurance law courses cover everything from property, life, disability and health to auto, mortgage and long-term care. Whether you ultimately want to defend corporate insurance companies or represent the insured, it's a course that will reap real benefits. Insurance is everywhere and it is often hard to understand and difficult to square what you thought you bought with what you actually received," says Darras.
In his case, Darras says he wanted to be the voice of the disabled, so no matter whether they were rich or poor, they would know his name meant real protection when they needed it most. An insurance law elective, would have been a wonderful way for him to hit the ground running after graduation but it wasn't available.
"Twenty years later, Frank N. Darras is famous for setting the standard to which insurance lawyers are held. He has been a hero for the sick, the elderly and he really is a modern day David fighting Goliath," says James A. Hayes, Jr., Assistant Dean of Academic Programs and Associate Professor at Western State University College of Law. See http://www.wsulaw.edu/.
"Last month, at WSU, we held the first annual Frank N. Darras Disability Law Moot Court Competition, at the school's Fullerton campus. As far as we can tell, it is the only moot court competition in the country that focuses exclusively on disability law," says Hayes. "For tomorrow's lawyers to compete in this unique competition opens opportunities for their futures, but also for everyday Americans who buy insurance to protect them from the unthinkable."
"This competition affords law students the opportunity to understand insurance law and determine if this is the field they want to explore and master as a career. We sure could use some great insurance lawyers to stand up for everyday people," says Darras.
See http://darrasnews.mediaroom.com/ or call 800-458-4577.
Available Topic Expert(s): For information on the listed expert(s), click appropriate link. Frank N. Darras http://profnet.prnewswire.com/Subscriber/ExpertProfile.aspx?ei=39767
Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: Frank N. Darras
CONTACT: Robin Nolan, +1-650-279-9512, robin@mcdavidpr.com, for Frank N.
Darras
Web site: Darras News
NOTE TO EDITORS: Darras available for interviews.
Subscribe to:
Posts (Atom)
