Full Coverage Insurance? Think Again.

Car insurance ads are pretty creative. Who knows how many millions insurance companies spend assuring customers during prime time viewing that there’s no need to fear a catastrophic event. The reality, however, is much less entertaining. Consumers are regularly getting taken for a ride by insurance companies. Every state requires drivers carry a minimum amount of car insurance. Arizona's minimum liability coverage is $15,000 per person and $30,000 per collision. This means if six people are hurt in a collision, they have to split the money -- up to $30,000 between everyone who is hurt
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Play it Safe in Sporting Activities

Go Team! At Bache & Lynch, we love sports and the fall season fun that it brings.  We want our clients to play it safe, however.  Football, soccer, cheerleading, and volleyball are popular fall youth sports activities in Arizona. As the weather changes, more Tucson bicyclists, runners and hikers are out. To help reduce the risk of common injuries, Bache & Lynch, PLLC, the American Academy of Orthopaedic Surgeons, AAOS, and the American Orthopaedic Society for Sports Medicine, AOSSM, offer sports safety tips. AOSSM created the STOP Sports Injuries program to help parents, coaches a
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What to do Immediately after a Crash

If you are involved in a collision, it is important to take the right steps. A crash can be traumatic, and is always unexpected.  Here are some tips on the best ways to protect your rights and preserve your ability to recover for property damage, medical bills, and pain and suffering. Check for injuries, yours and others. Call 911 if there are injuries. Get out your insurance card and driver's license and offer it to the other driver. Ask the other driver for insurance card and driver's license. Make use of your cell phone to take a photo of the license plate number, driver's licen
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Medicare: Medigap vs. Medicare Advantage

If you have Original Medicare, the traditional health insurance program run by the federal government, it pays for most of your health care. However, it doesn’t pay for everything. The out-of-pocket costs can get expensive for people who need a lot of health care. There are two ways you may be able to lower your costs. One way is to keep Original Medicare and buy supplemental insurance to help pay your out-of-pocket costs. Medigap plans are supplemental insurance you can buy. Medigaps work only with Original Medicare, not with Medicare Advantage Plans. Private insurance companies sell
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Your Rights on the Not-so-Friendly Skies

A man was dragged from his seat on a United Airlines flight by airport security officers. Footage taken by another passenger shows the officers forcibly removing the man and dragging him by his arms down the aisle and out of the plane. The man was pulled out because he refused to leave the flight to make room for United Airlines employees after airline personnel asked him to involuntarily exit the plane. The federal Transportation Department is investigating United Airlines to determine whether the company followed proper procedure in removing passengers from an overbooked flight. According
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