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With extreme weather events like hurricanes, tornadoes and flash flooding increasing across the country, having a comprehensive insurance policy should be a priority for every homeowner. According to the Insurance Information Institute, Property damage makes up 97.7 percent of homeowner insurance claims.  Roughly 5% of insured homes file a claim annually. Approximately 2.9% of insured homes file a property damage…

Iowa has experienced a nearly 9% increase in highway fatalities compared to the five-year average, with 197 fatalities reported on Iowa roads. The Iowa Department of Transportation has also stated between 2015 and 2020, distraction by an electronic device contributed to up to 14 fatalities per year in Iowa. Cell Phones and Electronic Devices In 2020, nearly 2% of all…

Hit-and-run accidents can be especially egregious, which is why laws have been put in place to hold people accountable. Police in Des Moines investigated a hit-and-run on a pedestrian crossing Douglas Ave. in early 2023. After being struck, the victim was taken to an area hospital and listed in critical condition. The vehicle involved in the accident was found a…

When an injury happens, those who are liable need to be held responsible for their negligence. People filing suit for damages are usually going up against companies cutting corners to save money, or medical professionals ignoring their duty to protect their patients. Workers' Compensation cases, slip and fall injuries, and so many other types of personal injury cases find fault…

There are many reasons why an injured individual may refuse treatment at the scene of an accident. Perhaps they feel their injuries don't warrant an ambulance ride or an ER visit. Or, their first concern is to speak with the police and their insurance company.  However, seeking medical attention as soon as possible is important not only for one's physical…

Car accidents are a nuisance for anyone involved. Whether a victim has suffered a minor or major injury, they need to seek medical attention, their schedule is thrown off, and the additional inconvenience of having to take time to have a vehicle repaired all add to the irritation. Unfortunately, many people who are involved in a car accident may also…

A Forbes Advisor survey revealed most drivers have a very poor understanding of their car insurance coverage. This includes both believing they have a type of coverage that doesn't really exist and a lack of understanding of the different types of coverage available. For example, nearly half of surveyed drivers said they had extended crash protection, which isn't a standard…

Motorcycle crashes can lead to serious injuries and major medical expenses. As one example, a California motorcyclist was nearly killed in a dramatic crash in which a stolen car collided with a pickup truck and caused the truck to flip and land on top of his motorcycle. After beating the odds to survive his injuries, he was left reliant on…