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Warmer Weather and Boating Safety

Published on Apr 16, 2015 at 4:11 pm in Boat SAfety, boat wreck lawyer, Boating Injury, boating negligence, Injury on Lake, insurance, Traumatic Brain Injury, Uncategorized.

With our wonderful lakes and rivers in Arkansas, the warmer weather brings out the boats and other water toys. As you begin to prepare your boats for the water, remember that Arkansas law requires insurance. Also, Arkansas law provides in many instances for liability on the boat owner no matter who is driving.

All boat owners should know that under Arkansas law, in most instances, no matter who is operating your boat, the boat owner is liable for any damage or harm done to passengers or others. Ark. Code Ann. 27-101-201 states that the owner of a boat shall be liable for the negligent operation of the boat. Ark. Code Ann. Sec. 27-101-207 requires any boat with over a 50 horsepower engine or personal watercraft to be covered by a policy of liability insurance providing at least $50,000 of liability coverage per incident.

Enjoy the warmer weather and our lakes and rivers, but remember not only to clean your boat for her maiden 2015 voyage, insure her.

Car Wreck Injuries and Insurance

Published on Dec 1, 2014 at 6:03 pm in car accident, car wreck, insurance, medical bills, Uncategorized.

We get calls all the time from injured folks who are worried about how their initial medical bills will be paid. Most people in Arkansas have what is commonly referred to as first party “med pay” coverage or personal injury protection (PIP) coverage on their vehicles. The amount of coverage available is usually at least $5000. Arkansas law requires that these coverages be offered in most instances and must be rejected in writing if a person chooses to forgo this insurance. See Ark. Code Ann. Sec. 23-89-202. First party med pay coverages provide initial payment for medical bills and treatment no matter who is at fault. Most people’s health insurance will typically want all first party med pay benefits to be exhausted prior to the health insurance beginning to pay bills. If you are hurt or injured you should be able to get the care you need covered, whether initially through first party med pay or health insurance. Who is at fault and how the different insurance benefits coordinate can be worked out after you make sure to take care of yourself.

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