We often hear from our clients that they have "full coverage" insurance. But what does that really mean? Arizona's current law, A.R.S. § 28-4009, requires drivers have at least $15,000 to cover injuries to an individual, $30,000 to cover injuries to a group of people, and $10,000 for damage to property. This level of coverage became law in Arizona 42 years ago. As others have pointed out, at that time, Richard Nixon was president!  Airbags were a futuristic invention...not standard equipment on cars.  One of the most popular cars, the Ford Gran Torino, cost about $4,500. In the last 40 y

You have new rights and protections in the Marketplace starting in 2014. 4 things to know: • You won’t be charged more for health insurance just because you’re a woman. • You can’t be denied coverage or charged more due to pre-existing conditions, like cancer or being pregnant. • You can choose from any primary care provider, OB-GYN, or pediatrician in your health plan’s network without a referral. • You’ll get free preventive care like mammograms, well-woman visits, contraception, and more. Open enrollment begins on October 1, 2013. Coverage starts as soon as Janua

We represent a young woman I’ll call “Gertrude.” Gertrude was injured in a collision a couple of years ago. She had fairly serious low back injuries which caused her pain for well over a year and which still cause occasional pain and discomfort depending on her level of activity. We sued the driver who caused the accident. As is typical, the other driver’s insurance company hired a lawyer to defend the case. The case proceeded through discovery, with both sides exchanging documents, medical records, and other information about the claim. Experts were hired by both sides to review

If you need legal help, understanding your choices and the impact they may have is important. You can often avoid costly and complicated issues if you consult a lawyer before you have a legal problem. A lawyer can evaluate your situation and help determine your next steps and possible solutions. When should I seek professional legal advice? Every legal situation is unique and requires specific legal analysis. In some cases, the wrong decision may cost you your legal rights. Here are some examples of when to seek a lawyer’s assistance: Before signing any written contracts with major legal

It's cold!  But extremely important to keep everyone safe from Carbon Monoxide, which has been called "the silent killer."    Typically, carbon monoxide is not produced in dense enough levels to harm anyone, but when appliances malfunction, deadly amounts can rapidly accumulate.  Here's what to do to keep everyone safe: Have your home heating systems (including chimneys and vents) inspected and serviced annually by a trained service technician.  If you rent, ask your landlord to have this done. Never use portable generators inside homes or garages, even if doors and windows are open.