Ned Ryerson must be one of the most beloved “annoying” characters in film history. He is the insurance salesman from Phil Connors’ past who keeps turning up to bug Phil. He appears at the same point on Phil’s walk from his Punxsutawney guesthouse to Gobbler's Knob, as Groundhog Day repeats over and over again. It’s one of my all-time favourite films – one which includes a happy ending for Ned, as he explains: “I have not seen this guy for 20 years but he comes up to me and then he buys whole life, term, uniflex, fire, theft, auto, dental, health – with the optional death and dismemberment plan – water damage… Phil, this is the best day of my life!” The “optional death and dismemberment plan” may be a joke (maybe it isn’t) but the list of so many different types of insurance illustrates that insurance is varied and can be complicated. And while it’s possible to be over-insured, so it’s possible to be under-insured – and under-insurance is one of the things we’ll look at Continue Reading
Should you use the insurer-appointed solicitor or an independent solicitor for your personal injury claim?
We received the following question in an enquiry via our website: “After a road accident (not own fault) is it better to claim personal injury through solicitor provided by my insurer or through independent solicitor?” Here are 5 things you could consider which might help you reach a decision on that issue. 1. How experienced and qualified is the person handling your claim? It would be nice to be able to take it as a “given" that the level of experience and expertise of the two types of adviser are the same. However, that is not necessarily safe to assume. Knowing whether your claim is going to be handled by a solicitor or by a paralegal (or by an administration person) could be important. If you're getting help from a solicitor, you have a clear benchmark of legal training. With a paralegal or claim handler, that's not so obvious. In general terms, you're looking for a solicitor who has a proven track record in dealing specifically with personal injury claims. All Continue Reading
6 steps to making a personal injury claim in Scotland
How difficult can it be to send a letter to County Cork in Ireland? Flor McCarthy of McCarthy & Co, Solicitors, in Clonakilty, Co. Cork is a marketing wizard when it comes to legal services. We sent him payment for a book he had mailed to us at our request. But the Euro notes we posted to him did not arrive. And still they never arrived. He probably thought this was a standard trick employed by Scottish solicitors; we thought someone must have intercepted and pocketed our cash payment (of course, embarrassingly, a method of payment we would never advise anyone else to use). Fortunately, Flor did eventually receive his money, which had gone on a round-the-world trip in the meantime. The envelope bore the stamp “Missent to Korea”. Who knew you could get a ink stamp that says that? (We’re now thinking of getting one for the office). Sometimes “simple” things can become complicated. Personal injury claims can be complicated but, for the purposes of this article, we Continue Reading
What are the main reasons why a driver will be to blame for an accident?
Brené Brown is an American research professor. She is based at the Graduate College of Social Work at the University of Houston. She is a best-selling author, covering topics such as shame, vulnerability, empathy and courage. Describing herself as a researcher and storyteller, in this revealing and entertaining animated video, she also describes herself as a “blamer”. She manages to make blaming her husband, Steve (for her dropping - and splashing over herself - a full cup of coffee), sound understandable and reasonable. All he did was come home half an hour late the evening before and shorten her night’s sleep by the same amount. But for his lateness, however, she wouldn’t have been so tired as to need the second cup of coffee she then spilt on herself. As Brene Brown asks: how many of us go to that place, when something bad happens? Where the first thing we want to know is: “whose fault is it?” And we’d rather it be our fault than no one's fault - because it gives Continue Reading