
The Different Types of Auto Insurance
09/27/21 • 69 min
On Season 3, Episode 2 of The Verdict, Killeen Personal Injury Partner Michael Erskine and Timothy Roehrs, Associate Attorney, discuss the different types of auto insurance, and the importance of each type of coverage.
Timestamps
00:00 - Intro
02:28 - Breakdown of bodily injury coverage
03:39 - Uninsured/Underinsured insurance
09:07 - Personal Injury Protection
17:18 - Med-Pay
22:27 - Commercial Insurance Policies
28:40 - Difference between on clock vs off the clock with car crashes
31:40 - Unexpected ways to boost your claim’s value
38:23 - What insurance is required by law?
41:41 - Can I still hire an attorney even if I don’t have auto insurance?
45:21 - Can I still see an attorney if I’m in a car crash with an uninsured driver?
49:33 - Umbrella coverage
53:10 - How is insurance impacted by teen drivers?
55:11 - Is there a minimum age requirement to hire an attorney?
57:54 - How common is it for people to get in car crashes and not have insurance?
1:02:13 - Attorney case stories
1:08:02 - Outro
Need a personal injury lawyer?
https://www.carlsonattorneys.com/practice-area/personal-injury
Where Personal Injury Law Meets Storytelling - The Verdict is not your average legal podcast. We embrace the art of storytelling and take you through the legal process to examine how personal injury law intersects with your daily life. Join The Carlson Law Firm’s lawyers, case managers, legal assistants, and clients as we explore acts of negligence, liability, and damages to give you The Verdict.
UM/UIM FAQs - https://www.carlsonattorneys.com/news-and-update/uninsured-underinsured-motorists-faqs
Preguntas frecuentes: conductores sin seguro, seguro insuficiente - https://www.carlsonabogados.com/news-and-update/preguntas-frecuentes-sobre-conductores-sin-seguro-y-con-seguro-insuficiente/
What type of compensation can I recover after an auto crash? - https://www.carlsonattorneys.com/news-and-update/compensation-after-crash
¿Qué compensaciones puedo obtener después de un accidente automovilístico? - https://www.carlsonabogados.com/news-and-update/compensaciones/
The PERSONAL INJURY LAWYERS at The Carlson Law Firm can help.
When filing a personal injury claim, one of the most important steps you can take is to find a knowledgeable personal injury lawyer to be your guide through the often tedious injury claim process. After an injury, The Carlson Law Firm encourages individuals to seek legal counsel as soon as possible. Our Personal Injury Attorneys will provide you with the necessary information you need to begin the process of recovery, both physically and financially. Our Personal Injury Attorneys want to help you to take the very best course of action to ensure that the compensation you receive is of fair value.
On Season 3, Episode 2 of The Verdict, Killeen Personal Injury Partner Michael Erskine and Timothy Roehrs, Associate Attorney, discuss the different types of auto insurance, and the importance of each type of coverage.
Timestamps
00:00 - Intro
02:28 - Breakdown of bodily injury coverage
03:39 - Uninsured/Underinsured insurance
09:07 - Personal Injury Protection
17:18 - Med-Pay
22:27 - Commercial Insurance Policies
28:40 - Difference between on clock vs off the clock with car crashes
31:40 - Unexpected ways to boost your claim’s value
38:23 - What insurance is required by law?
41:41 - Can I still hire an attorney even if I don’t have auto insurance?
45:21 - Can I still see an attorney if I’m in a car crash with an uninsured driver?
49:33 - Umbrella coverage
53:10 - How is insurance impacted by teen drivers?
55:11 - Is there a minimum age requirement to hire an attorney?
57:54 - How common is it for people to get in car crashes and not have insurance?
1:02:13 - Attorney case stories
1:08:02 - Outro
Need a personal injury lawyer?
https://www.carlsonattorneys.com/practice-area/personal-injury
Where Personal Injury Law Meets Storytelling - The Verdict is not your average legal podcast. We embrace the art of storytelling and take you through the legal process to examine how personal injury law intersects with your daily life. Join The Carlson Law Firm’s lawyers, case managers, legal assistants, and clients as we explore acts of negligence, liability, and damages to give you The Verdict.
UM/UIM FAQs - https://www.carlsonattorneys.com/news-and-update/uninsured-underinsured-motorists-faqs
Preguntas frecuentes: conductores sin seguro, seguro insuficiente - https://www.carlsonabogados.com/news-and-update/preguntas-frecuentes-sobre-conductores-sin-seguro-y-con-seguro-insuficiente/
What type of compensation can I recover after an auto crash? - https://www.carlsonattorneys.com/news-and-update/compensation-after-crash
¿Qué compensaciones puedo obtener después de un accidente automovilístico? - https://www.carlsonabogados.com/news-and-update/compensaciones/
The PERSONAL INJURY LAWYERS at The Carlson Law Firm can help.
When filing a personal injury claim, one of the most important steps you can take is to find a knowledgeable personal injury lawyer to be your guide through the often tedious injury claim process. After an injury, The Carlson Law Firm encourages individuals to seek legal counsel as soon as possible. Our Personal Injury Attorneys will provide you with the necessary information you need to begin the process of recovery, both physically and financially. Our Personal Injury Attorneys want to help you to take the very best course of action to ensure that the compensation you receive is of fair value.
Previous Episode

What To Do After A Car Crash
On Season 3, Episode 1 of The Verdict, Associates Ryan Luna and Trey Pendergraft discuss the steps you should take after being involved in a car crash.
Timestamps
00:00 - Intro
02:37 - What’s the first thing I need to do after a car crash?
04:38 - What do I need to do after I’m physically okay?
06:20 - Why taking photos after a crash is important
08:43 - The one reason why you might not take photos after a car crash
12:20 - How do I take pictures if I’m injured?
16:25 - Do I hire an attorney or talk to my insurance first?
22:02 - Should I see a doctor for minor injuries?
24:50 - What are some red flags to look out for when hiring an attorney?
29:49 - What are the expectations after hiring an attorney?
38:49 - Fact about no deathless days in Texas
39:10 - Common types of car crashes
43:21 - How does the process of a hit & run case differ from other car crashes?
49:20 - Stories of previous cases
1:00:50 - Outro
Need a personal injury lawyer?
https://www.carlsonattorneys.com/practice-area/personal-injury
Where Personal Injury Law Meets Storytelling - The Verdict is not your average legal podcast. We embrace the art of storytelling and take you through the legal process to examine how personal injury law intersects with your daily life. Join The Carlson Law Firm’s lawyers, case managers, legal assistants, and clients as we explore acts of negligence, liability, and damages to give you The Verdict.
What Should I Do if I Was Involved in a CAR CRASH?
If you are involved in a collision, our personal injury attorneys urge you to do the following:
• Stay put: Your first reaction may be to leave and get help or go somewhere safe. Leaving the scene of a crash, especially if there is an injury or death, can bring about serious criminal charges.
• Assess the damage: The safety of yourself and those around you after a car crash is vital. Make sure you, and those affected by the accident, stay out of harm’s way of other vehicles that may still be in the vicinity. This will prevent additional collisions.
• Contact the authorities: By calling 9-1-1, you are making sure you get the medical care you need, as soon as possible.
• Watch what you say (and sign): Never apologize or sign anything taking responsibility for a wreck until you have consulted an experienced auto accident lawyer first.
• Gather information: It’s important to gather information from other parties involved in a car collision. Make sure to note the names, contact information, and driver’s license number of other drivers, passengers, and even witnesses.
• Collect evidence: Pictures of your car and the scene of the crash can be an important resource later to prove damages. Make sure you take pictures of the entire scene, including street signs and roadways.
• Get help from a Bryan Car Accident Lawyer: Reach out to an attorney who is experienced in this type of matter. An experienced car crash lawyer from The Carlson Law Firm will put your health first. Additionally, we will handle your auto accident lawsuit for you, so that you can focus on what really matters: your recovery.
What to do after a car crash?
https://www.carlsonattorneys.com/news-and-update/what-to-do-after-a-car-crash
Como Prepararse Antes y Despues de un Choque: Una Guia
https://www.carlsonabogados.com/news-and-update/que-hacer-despues-de-un-choque/
How can an injury lawyer help after a hit and run crash?
https://www.carlsonattorneys.com/news-and-update/hit-and-run-crash
Como ayudara un abogado despues de un choque y fuga
https://www.carlsonabogados.com/news-and-update/choque-fuga/
Next Episode

How Insurance Companies Try to Devalue Claims
On Season 3, Episode 3 of The Verdict, Killeen Personal Injury Lawyers Michael Erskine and Timothy Roehrs discuss the different tactics auto insurance companies use to devalue your claim.
Timestamps
00:00 - Intro
02:25 - What are some common ways insurance companies try to devalue someone’s claim?
06:35 - What are the insurance company’s motivations behind trying to devalue claims?
10:53 - Is it legal or illegal for insurance companies to use shady tactics?
14:37 - Why do people get offered a settlement at the beginning of the process?
17:24 - Why should someone not rush to take the settlement offer?
20:10 - How often do people take settlement offers then realize they shouldn’t have?
23:07 - Can someone be forced to partake in a recorded statement?
25:51 - What is a medical authorization?
28:55 - When is the best time to speak to an attorney in reference to speaking with insurance companies?
36:46 - What is a trial lawyer?
40:27 - How can a dashcam benefit a driver?
46:11 - How can a dashcam be used against me?
51:55 - How can posting on social media after a car crash hurt a claim?
57:14 - Can posting stuff not related to the car crash also impact the claim?
1:02:23 - Posting medical treatment on social media after a car crash
1:12:30 - Additional comments and stories from attorneys
1:19:20 - Outro
Need a personal injury lawyer?
https://www.carlsonattorneys.com/practice-area/personal-injury
Where Personal Injury Law Meets Storytelling - The Verdict is not your average legal podcast. We embrace the art of storytelling and take you through the legal process to examine how personal injury law intersects with your daily life. Join The Carlson Law Firm’s lawyers, case managers, legal assistants, and clients as we explore acts of negligence, liability, and damages to give you The Verdict.
Car Accidents: How do insurance companies deny and devalue injury claims? - https://www.carlsonattorneys.com/news-and-update/how-your-auto-insurance-company-devalues-your-claim
Cómo las compañías de seguros niegan y devalúan reclamos - https://www.carlsonabogados.com/news-and-update/niegan-devaluan-reclamos/
Is the damage to my car after an accident an indicator of my injuries? - https://www.carlsonattorneys.com/news-and-update/indicator-injuries
¿El daño a mi auto en un choque es un indicador de mis lesiones? - https://www.carlsonabogados.com/news-and-update/indicador-lesiones/
The PERSONAL INJURY LAWYERS at The Carlson Law Firm can help.
When filing a personal injury claim, one of the most important steps you can take is to find a knowledgeable personal injury lawyer to be your guide through the often tedious injury claim process. After an injury, The Carlson Law Firm encourages individuals to seek legal counsel as soon as possible. Our Personal Injury Attorneys will provide you with the necessary information you need to begin the process of recovery, both physically and financially. Our Personal Injury Attorneys want to help you to take the very best course of action to ensure that the compensation you receive is of fair value.
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