PRACTICE AREAS
Corporate / Business Law
Criminal Defense
Estate Planning / Probate
Motor Vehicle Accidents
Personal Injury
Real Estate
Social Security Disability
Workers' Compensation
Wrongful Death
 
ATTORNEYS
Scott D. Brown
John P. Lander
Kim R. Snitker
Travis M. Armbrust
Kaitlyn J. Ausborn
 
Brown, Kinsey,
Funkhouser & Lander, P.L.C.

214 North Adams,
Mason City, Iowa 50401
Phone: (641) 423-6223
Fax: (641) 423-9995
PERSONAL INJURY - Frequently Asked Questions
I. General Information about Personal Injury   B. The Plaintiff's Burden in a Dangerous or Defective Product Personal Injury Case
II. What to do in case of injury or accident
III. Injuries Due to Motor Vehicles V. Animal Attacks
  A. Description   A. Personal Injuries
  B. Avoiding an Accident   B. Burdon of Proof
  C. Fault   C. Determining Fault
  D. Uninsured or Underinsured Motorists VI. What is a Claim Worth?
  E. No-Fault Insurance VII. Why Hire a Personal Injury Lawyer -
How Do I Choose The Best One For Me?
IV.  Injuries Due to Products  
  A. Personal Injuries from Dangerous or Defective Products    
"Contact an Iowa personal injury lawyer representing clients in Clarion, Iowa today to schedule your initial consultation."
 
Delaware County Courthouse Manchester Iowa  

Uninsured or Underinsured Motorists

Although states require insurance on any automobile, many drivers cannot afford adequate insurance or let their insurance lapse and do not carry any insurance at all. Most states now require every driver to have insurance and to have liability insurance in case of an accident. Much too often, the required insurance is insufficient for most accidents when injuries occur. You may have insurance that has "Uninsured/Underinsured Motorist" coverage that will pay for bodily injury if the responsible party does not have the proper insurance to cover all of your damages or injuries. Contacting a competent personal injury lawyer as quickly as possible to ensure you are protected is essential, particularly in the case of uninsured or underinsured motorists.


 

Hit and run accidents are also usually covered by your uninsured/underinsured motorist coverage. In this case, your damages and expenses should be covered by your insurance company. DO NOT SETTLE with the other driver's insurance company until you know every detail about what your damages and injuries will cost and review these with your own personal injury lawyer. Your underinsured motorist coverage may not provide compensation to pay for the amounts over and above the other driver's insurance if you have settled with them. This is another important reason to contact and review everything with your own personal injury lawyer. Also remember that your insurance company will request a credit if you are paid over and above the reported benefits from the other driver's insurance. This includes any stackable uninsured/underinsured insurance allowed by some states. The combination of insurance coverage from several policies or insurance coverage for several vehicles listed on one policy may apply.

No-Fault Insurance

Most do not have to learn or understand what No-Fault Insurance is all about. If you live or are traveling in the states of Florida, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, Pennsylvania, you may be under a No-Fault Insurance Law. Some states, such as Colorado, repealed their No-Fault Insurance law and Florida's law ends in 2006. Since the laws of the state in which the accident occurred determine which driver is responsible for which damages, this is another reason to contact a personal injury lawyer as soon as possible to ensure your rights are protected.

There are several types of No-Fault Insurance Laws. In some states, neither driver is considered at fault and each one generally submits claims to their own insurance. Other places, such as Canada, have limits on the ability to file suit for damages. If your damages are above a certain amount, you may file suit. In the United States, there is not a pure no-fault insurance where no one is to blame for any accident. At least two states, Pennsylvania and New Jersey, have "Choice No-Fault Insurance." If you are in an accident with someone who has this type of insurance in that state and they have this insurance, you can not file suit against them and they can not file suite against you. Due to the variety of specific sections of the various laws, deciphering these laws may be complicated. Competent personal injury lawyers know these laws and are more qualified to assist you in the recovery of your losses.

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If you would like to schedule a initial consultation contact an Iowa personal injury attorney, representing clients in Clarion, Iowa at the Brown, Kinsey, Funkhouser & Lander, P.L.C.. Give us a call at (641) 423-6223 or email us at bfkl@bfkllaw.com
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Please understand that anyone communicating with our firm through this internet site is hereby advised that any such communication does not create an attorney-client relationship, nor protect the communication as confidential until a written agreement establishing an attorney-client relationship is signed. Further, any failure on the part of our firm or any lawyer in the firm to respond to your inquiry must be considered as a declination on our part to represent you or anyone you are making inquiry on behalf of in this manner.
Mason City, Iowa Attorney practicing in Iowa primarily in Workers' Compensation & Personal Injury. Lawyers at the Brown, Kinsey, Funkhouser & Lander, P.L.C. are dedicated to serve their clients in Iowa, including the cities of Mason City, Algona, Allison, Boone, Cedar Rapids, Charles City, Clarion, Dakota City, Des Moines, Eldora, Forest City, Fort Dodge, Garner, Grundy Center, Hampton, Marshalltown, Mount Pleasant, Nevada, New Hampton, Northwood, Osage, Toledo, Vinton, Waterloo, Waverly, Webster City and West Union, and the communities that make up Cerro Gordo, Benton, Black Hawk, Boone, Bremer, Butler, Chickasaw, Fayette, Floyd, Franklin, Grundy, Hamilton, Hancock, Hardin, Howard, Humboldt, Kossuth, Linn, Marshall, Mitchell, Polk,  Story, Tama, Webster, Winnebago, Worth, Wright counties.
© MMXIV Brown, Kinsey, Funkhouser & Lander, P.L.C. Email: info@bkfllaw.com Address: 214 North Adams, Mason City, Iowa 50401 Phone: (641) 423-6223
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