Categorized | Opinion

Planning to fail?

By David PeelDavid Peel

It is often been said that no one plans to fail, they just fail to plan.
As an injury attorney, I see some of the consequences of bad planning.
Are you a pretty good planner? Here are a few ideas that you may wish to institute in your life.
Walk around and take a video of the possessions in your home. With tornado season upon us and fires an ever present threat, it is important to be able to make sure that you’re properly insured and can recover the proper damages. Proving your contents to your insurance company is never easy.  However if you can fill out the proof of claim forms while watching a video that you have filmed, and then attaching video as an exhibit, you shouldn’t have much trouble.
Packing a “go bag” is a great idea. A go bag is a small duffel bag containing a change of clothes and underwear some basic toiletries and maybe some medicine that you might need.
If you suddenly need to be taken to the hospital, or a loved one does, all you need is do is grab the appropriate go bags and you can stay at the hospital for days and take showers there without sending someone to your house to rifle through your underwear drawer. Having bottled water, some gasoline and cash at home.  In the event of an earthquake, or tornado, it is difficult to find places to get gas and one of the first things that runs out is bottled water. Cash would still work in those situations for a medium of exchange, but so does ammunition, water, generators, and food.
Finally look at your car insurance policy. How much is listed next to the words “uninsured motorist.” Many people plan for some type of Apocalypse, which is highly unlikely, but do not plan for the events that are very likely to occur. You have a very good chance of being in a car accident in the next few years. And, odds are, the person that hits you will be uninsured or only minimally insured.
The first number listed by your uninsured motorist, whether it be $25,000 or $50,000,  $100,000 or even more is the amount that you have decided that all your possible injuries are worth if you get hit by such a driver. Given that the life flight from Tipton County to the med is over $10,000, it’s hard to understand how $25,000, which is the state minimum, is ever going to be enough.
And if you have fallen for one of those TV ads claiming that 15% can be saved off your car insurance, many a times that savings is simply them taking the UM off your policy. You need to go read it. After all you may not plan to fail but many people fail to plan.
Be careful out there.
Peel seeks justice for those injured in car accidents, work place incidents, medical malpractice, and nursing homes. He often addresses churches, clubs and groups without charge. Peel may be reached through PeelLawFirm.com wherein other articles may be accessed.
— What do you think? Send Letters to the Editor to thomas.sellers@journalinc.com.

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