Do you have EPLI (Employment Practices Liability Insurance)?
We strongly encourage our clients who own a business with employees to acquire this vital EPLI insurance. Few of our customers have had MAJOR problems with employees and were near financial ruin. DO NOT let that happen to you!
Let's overview and potentially overhaul your insurance portfolio. We may be able to reveal some deficiencies and improve your protection.
We are here to help you realize the best "bang for your buck". We believe in a "win, win" proposition. You save, we get compensated for our labor of love.
IN CASE OF AN ACCIDENT
1. STOP It is against the law to leave the scene of an accident. You could be subject to criminal penalties if you do not stop and exchange information, even in very minor accidents. If the other driver later reports the accident to the police, you are going to have to explain why you did not stop, even if the accident was not your fault. Immediately write down the license number of the other car in case the other driver leaves the scene.
2.TEND TO THE SERIOUSLY INJURED If someone is bleeding, appears to have broken bones, is in shock, or otherwise appears in need of immediate medical attention, see to their needs. Call, or have someone else call "911" for immediate medical and police help.
3. GET THE NAMES OF ALL THE WITNESSES If the injuries complained of are simply soreness or pain, get the names of the witnesses first. This may be the single most important thing to do after an accident. Witnesses are usually reluctant to get involved except in very serious accidents and will leave the scene quickly. They can be critical to protecting the facts of the accident.
It is rare to find someone who will admit their fault in an accident, even in the most obvious circumstances. If they do admit fault to you at the accident scene, they may later change their story at the urging of relatives, friends, or insurance adjusters.
An independent witness (someone not involved in the accident) is often the difference in whether or not you can recover from the other driver's insurance or your own uninsured motorist coverage.
4. CALL THE POLICE After an independent witness, a police report favorable to you, is the next best evidence of the other driver's fault, as police are also independent and hopefully unbiased.
