Even though you buy full coverage auto insurance to protect you and your family in an Ohio car accident doesn’t mean that you will be fully covered.

Our Toledo, Ohio car accident lawyers see cases where an Intrafamily Exclusion is deeply written in an auto policy, which denies coverage if the Ohio car accident is caused by a family member. Many families do not know that their full coverage policy contains this exclusion - even though they pay extra money for what they think is full coverage.

Our Toledo, Ohio car accident lawyers urge drivers to double check with their insurance agents to see if this clause is present in their policy. If it is, make arrangements to change coverages. An Ohio car accident is jut that - an accident. Everyone should be entitled to compensation after an Ohio car accident, regardless of who causes it.

If you or someone you love has been injured in a Toledo, Ohio car accident, contact our office to receive your FREE copy of The Ohio Accident Book.

Toledo, Ohio car accident lawyer Dale Emch wrote a very interesting article in the Toledo Blade on intra family exclusions in auto insurance policies. He has posted it on his Toledo, Ohio car accident blog.

If your auto policy has an intra family exclusion, it could mean that your family would not be protected in the event that you cause an Ohio car accident. The exclusion allows for the insurance carrier to deny the claim if you cause the accident, which also means that the insurance company would refuse to pay for your passengers’ medical bills, lost wages, or pain and suffering.

If you or someone you know has suffered injuries from a Toledo, Ohio car accident, you need information. Contact our Toledo, Ohio car accident lawyers today to receive your FREE copy of The Ohio Accident Book, or to schedule a free, no-obligation case evaluation and consultation.  

Distracted driving seems to be getting about as much attention these days as driving while drunk. That makes sense because both are inherently dangerous and can cause fatal car accidents.

Our Toledo, Ohio car accident lawyers realize that the Increased popularity of electronic devices such as cell phones and iPods have added to the distractions present in vehicles driven by teenagers. But for the young drivers who are also afflicted with attention deficit disorder, the distractions can prove deadly if they contribute to a fatal car accident.

More than 26.1 million drivers on America’s roads are ages 16-21, according to www.drivehomesafe.com, a website dedicated to informing teens and their parents about the dangers of distracted driving. According to USA Weekend, approximately 2 million children have ADHD.

Symptoms include inability to pay attention, hyperactivity and impulsiveness. When these symptoms are present behind the wheel, the risk of an accident greatly increases. The Weekend also reported that the danger of having an accident quadrupled for those using a cell phone while driving, as found in the New England Journal of Medicine’s 1997 study. Since then, cell phone companies have added features like text messaging and cameras that could easily raise the rate. Although ADHD may be a contributing factor in car accidents involving teens, it does not mean that those without the disorder are immune from the dangers of driving while distracted.

Teenage drivers, as reported by www.drivehomesafe.com, cause 14% of all car accidents occurring each year. Speeding, loud music, numerous passengers and alcohol use have all been reasons that teen drivers lose control of their vehicles. Keep your teen and others safe on the road by adopting family rules on driving. Know where your teen is going and who will be in the car. Have parents and teens sign a family contract listing driving rules and consequences, including zero tolerance for drinking and driving, speeding or non-seatbelt use.

If you or someone you know has lost a loved one due to a fatal car accident or other tragic circumstance, you need information. Contact our office to order your free copy of The Ohio Wrongful Death Book.