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Alaska Personal Injury Law Blog

Here's why you should consider an umbrella policy

Can you imagine getting into an accident with someone who doesn't have insurance? What would you do? Would your health insurance or other car insurance policies make up the difference?

If you're not sure, another thing you can purchase is called an umbrella insurance policy. This is a policy that pays all the costs associated with claims against you when your insurance's limits have been met. For instance, if you had a car insurance policy protecting you against underinsured drivers for $10,000 and the limits were met, the umbrella policy would cover any bills beyond that coverage limit.

Can you sue if a display falls on your child?

You love taking your child out to the mall, because he's gotten old enough to enjoy walking through the halls and looking at all there is on display. Since Christmas is coming up, Santa is already there and the holidays have stores looking particularly festive.

During your latest trip, you lost track of your child for just a few minutes. Moments later, you found him lying on the ground with part of a display across his back. It had fallen on him, and you had to call for emergency care. Today, he's healing well, but the injuries will still take time to heal completely.

3 tips for protecting your child on Halloween

Halloween is here, and that means that you need to know how to keep your kids safe. Remember that only around a third of parents take the time to talk to their children about the hazards they face on Halloween. It's in your best interests to talk to your children, so they'll know what to expect when they're out asking for candy.

Every Halloween, twice as many child pedestrians are killed when walking than on other days of the year. It's a tragedy, and sometimes, it's one that can be avoided.

Fairbanks sees dozens of crashes during first fall snow

Winter is approaching, and that means that icy roads are more common in Fairbanks. While Alaskans are not strangers to ice and snow, it's still a hazard that can cause serious collisions and accidents.

An Oct. 17 report about the first significant snowfall comes with the sad news that there were multiple accidents in Fairbanks and the surrounding area. As early as 9:15 a.m., the police had already responded to 19 crashes. They also had to respond to five other calls for help from vehicles in distress; those include vehicles that stalled, ran out of gas or had other mechanical problems.

Prevent child injuries this Halloween with these safety tips

Halloween is nearly here, and that means that it's once again time to review safety tips to keep your children safe. Halloween is a lot of fun for kids and adults alike, but there are many hazards to beware.

One thing to look out for is dangerous drivers. During Trick-or-Treating events, it's important to walk with your child. Wear glow sticks or reflective clothing if it's dark during the event. If you can, plan to go to an indoor event away from traffic.

What happens if insurance isn't enough for a victim's claim?

Imagine driving on the highway in Alaska. You are having a good day, and you're enjoying your trip. Suddenly, someone pulls out in front of you, and you have no time to stop. They cause a serious accident, and you are left with thousands of dollars in medical bills.

Unfortunately, when you file your claim with the driver's insurance, you find that he is underinsured. There's no way for you to get the financial compensation you need from the individual's insurance alone. Do you have any way to obtain compensation? What can you do to make sure you're not left footing the bill for someone else's errors?

2 killed in traffic accident in Alaska

When drivers aren't paying attention, they make mistakes they shouldn't. It's particularly difficult for certain people to always remain focused, like truck drivers who may work long hours or young adults who are learning to drive safely behind the wheel.

Unfortunately, accidents happen, and it can sometimes be difficult to know who's at fault. Regardless of the situation, if someone causes an accident, it's appropriate for the injured party to seek compensation. If someone is killed, that person's family has a right to seek compensation on that person's behalf and as a result of their own losses.

Traveling by recreational vehicle? Use these tips to stay safe

If you're planning an RV trip, it's time to talk about safety. Whether you're going a short distance or plan to drive hundreds of miles, making sure your RV is in tip-top shape is the first step to keeping yourself and your family safe and avoiding a motor-vehicle accident.

Of course, there are dozens of tips to keep you safer on the roads. Here are just a few that can help you enjoy your time away.

Intra-family torts help you get the compensation you need

When you're considering filing a lawsuit, one of your main questions may be if your case is worth the trouble. Anyone can file a lawsuit for any reason, but in your case, you're interested in filing a claim because your child suffered an injury. That's as good a reason as any, but you need to identify if what your child has gone through was a result of negligence or another issue that shouldn't have occurred.

Here's an example. If your child is running across the park and falls, but no one pushed him or caused him to trip, you likely wouldn't pursue a claim. On the other hand, if your child is running and falls because a small grate was not replaced after sewer work was completed, you could have a case against the sewer company or park district, depending on who left it uncapped.

Wrongful deaths: You can file a claim for compensation

Your loved one was minding his business when the accident happened. Another person wasn't paying attention, and as a result, he was struck by a vehicle head on. Now, you've been left to handle the stress of financial obligations and funeral arrangements. Your life won't ever be the same.

It is particularly hard to mourn a loved one when the person's death was unexpected and the result of another person's behavior. It is perfectly reasonable to want to file a wrongful death claim and to seek compensation for the losses that you've suffered.

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Merdes Law Office, P.C.
455 3rd Avenue
P.O. Box 71309
Fairbanks, AK 99707

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