And as usual, it is time for the weekly ten-minute conversation with Michael Brook, the head of the Bureau of Accident Investigation and Road Traffic Incidents. Michael, hello.
Michael Brook: Hello, Alexander. Hello, dear listeners. I wish you all good health and hope you don't get into any trouble. I recommend you always have my phone number handy: 718 256 56 10. Record it in your mobile and carry it with you, as at any moment, if someone you know, a close friend, or colleague is injured under any circumstances—whether it's a fall or a car accident—it's essential to consult with a lawyer. I will connect you with one immediately, choosing the best specialist in this field, be it in New York or New Jersey. So, once more, my phone number is 718 256-56 10.
Michael Brook: Here, a few people, not only today but also before, have asked an interesting question. Suppose someone buys a house. There are, of course, several types of insurance. But how should they insure themselves in case something happens to a visitor in this house, whether they're familiar or not—like someone falling or getting burned? Please advise on how to proceed in such cases to somehow protect oneself.
If you buy a house, part of the home package is purchasing insurance for that house. The part that protects you if something happens on the property is called liability insurance. This insurance covers such issues, and it transfers your responsibility to the insurance company, but only to a certain extent. For example, if your insurance is for $250,000, then in case of a serious injury, that insurance will cover up to that amount. If the cost exceeds that, you could be sued personally. Therefore, if you have a home, apartment, etc., it always makes sense to have additional insurance called an "umbrella" policy. This insurance protects you personally if your home or car insurance is exhausted and has paid out your full policy amount. After that, this insurance kicks in.
I advise everyone to visit my website and fill out the form if you have questions, and a specialist will call you back free of charge. You can find my site easily if you search my phone number 718 256 56 10 on the internet. You can download my business card onto your phone and have all my information readily available.
I will give an example. A person contacted me who fell on a friend's property and broke his arm. He was forced to start a court case to claim insurance money from their home. Since his fracture was severe, involving displacement and later surgery, he sued for several million. They had a home insurance policy for only $250,000, which my lawyer secured for him quite quickly, within six months. Fortunately, they also had an umbrella policy, which provided an additional million dollars. This combination saved them from hiring additional lawyers and paying large sums, protected by both insurances. If something similar happens, visit my website and enter my phone number 718 256 56 10 to connect with a specialist.
Thank you for your thorough and convincing response as always. Now, let's listen to Masha. Masha, your question?
Masha: Hello, Michael. My husband had an incident; he was hit by a car at the intersection, resulting in a leg fracture and several severe injuries. You mentioned in your program that our insurance might pay out more money. We've already contacted your service, and the lawyer has essentially spoken with us, but I'd like to know more about when our insurance will pay an additional amount. Please clarify this for us.
Michael Brook: Don't worry about your situation. The at-fault party's insurance has a minimum coverage of $25,000, but your husband deserves much more. Your insurance has a $100,000 limit, and there's an additional uninsured motorist coverage, which is also $100,000. Therefore, the difference will be obtained by the lawyer I provided from your insurance's special coverage. I believe the amount you receive will be near $75,000 because your coverage is unfortunately only $100,000. If it were $250,000, the amount would be closer to $225,000. So, if you have any doubts about insuring your car correctly, please visit my website, find my phone number 718 256 56 10 online, and you will find my website. There is a form you can fill out, and an auto insurance specialist will call you back and explain in detail how to insure your car properly to get the maximum payout, similar to the situation with Maria and her husband.
And now we have time to hear from Andrey. Andrey, your question?
Andrey: Hi, I was walking on the road, and there was a road sign knocked down by the wind. I tripped over it and broke my arm. Who should I sue in this situation, and is it possible to get compensation? Thank you.
Michael Brook: In this situation, you will likely need to sue the city. I'll connect you with a lawyer specializing in cases against the city. This lawyer was a city prosecutor for three years and has won many cases against the city, securing significant sums. He's a serious trial lawyer who knows how to win large compensations from the city when severe injuries are involved. A similar incident involved a man who tripped over a knocked-down sign, which the city claimed they were unaware of, stating it was avoidable since the sign could have been walked around. My lawyer managed to prove that the sign was not easily visible and that the city had been informed about it. Thanks to these facts, my lawyer secured $200,000 for the injured party, a substantial result.
If something similar happens, contact me as soon as possible at 718 256 56 10. Save my number in your mobile and keep it with you, or find it on my website and download my card to your phone. Please visit my site, as it provides essential information. Once more: 718 256 56 10. Michael Brook, head of the Bureau of Accident Investigation, can connect you with expert attorneys who will secure maximum compensation for you. 718 256 56 10.