Chain | Cohn | Stiles attorneys to host auto, home insurance workshop for KSFCU members

July 8, 2015 | 10:01 am


You may not think of the deductibles and liability limits on your insurance policies as part of your financial strategy. But they could make a difference in your overall financial picture, according to Kern Schools Federal Credit Union. Consider them “expenses in waiting” — potential costs that you should be prepared to face.

And it can be difficult to navigate the through the overwhelming number of insurance choices available. Chain | Cohn | Stiles and Kern Schools Federal Credit Union are partnering to help you decide.

A complimentary workshop for Kern Schools Federal Credit Union members will be held from 6 to 7:30 p.m. on Thursday, July 16, at Kern Schools’ Administrative Offices, 11500 Bolthouse Drive, off Buena Vista Road, one mile south of White Lane.

As part of the workshop — titled “Auto and Home Insurance: How to protect you and your family” — Chain | Cohn | Stiles attorney Matt Clark will help credit union members these tough questions:

  • How much insurance should you have?
  • How much should you pay?
  • Is your family fully protected?

The attorneys will focus on several auto and home insurance topics including uninsured and underinsured motorist insurance, umbrella policies, what liability means, first- and third-party insurance and much more.

As an example, the attorneys at Chain | Cohn | Stiles represent many people have been involved in auto accidents. And many times, he receives calls from people who have been injured by someone who didn’t have any insurance at the time of the accident.

Due to the accident, the injured client has had to miss work and has medical bills to pay.

“What do you do to protect yourself?” Clark said recently on a Bakersfield radio show. “When you buy insurance, one of the cheapest things you can buy is uninsured motorist coverage. You want to have limits that can cover you in case someone hits you.”

Clark recommends drivers purchase a $100,000 over $300,000 auto insurance policy at a minimum to protect yourself. The policy allows you to collect from your insurance company to recoup your damages that exceed the responsible party’s limits. It’s not expensive to get, Clark says, and can protect you and your family in the case of an accident while walking, running, or riding a bike. You don’t have to be behind the wheel to take advantage of the policies.

All attendees of the workshop will receive a voucher for a free notary and legal consultation from Chain | Cohn | Stiles. Additionally, the personal injury and workers’ compensation* law firm will provide special goodies to attendees.

To register for the workshop, visit the Kern Schools Federal Credit Union webpage here, and fill out the simple form.

And for more information on Chain | Cohn | Stiles, or to contact the attorneys about your case, call 661-323-4000, or visit the website chainlaw.com.

CCS on The Groove: The importance of having uninsured motorist coverage

September 29, 2014 | 11:23 am


What should you do when you’re in a car accident, the other driver is at fault, and he or she has little or no auto insurance?

Knowing what to do when you are in a auto accident can be difficult, especially with complex insurance policies involved. If the driver at fault does not have insurance, or very little, you may have a difficult time obtaining compensation for damages suffered in the accident.

That’s why it’s important for you to purchase an insurance policy that includes coverage for “uninsured motorists” and “under-insured motorists.”

Bakersfield car accident attorney Matt Clark recently appeared on The Groove 99.3 (KKBB) with Sheri Ortiz to discuss the issue, and give advice to listeners on insurance policies.

You can listen to the two segments here:

As personal injury lawyer at Chain | Cohn | Stiles, Clark represents a lot of people who are involved in auto accidents. Many times, he receives calls from people who have been injured by someone to didn’t have any insurance at the time of the accident.

Due to the accident, the injured client has had to miss work and has medical bills to pay, for example.

“What do you do to protect yourself?” Clark asked listeners on The Groove. “When you buy insurance, one of the cheapest things you can buy is uninsured motorist coverage. You want to have limits that can cover you in case someone hits you.”

Clark recommends motorist purchase a $100,000 over $300,000 auto insurance policy at a minimum to protect yourself. The policy allows you to collect from your insurance company to recoup your damages that exceed the responsible party’s limits.

“It’s not expensive to get that coverage and it protects you,” Clark said.

The uninsured and under-insured policies also cover you and your family in the case of an accident while walking, running, or riding a bike — you don’t have to be behind the wheel to take advantage of the policies, Clark said.

It’s important to note, Clark said, that many times, drivers have to specifically ask their insurance policy companies that uninsured and under-insured be added to policies.

While on the air, Clark and Ortiz received a call from a woman who was involved and injured in an auto accident, after the other driver ran a red light, she said. She took advantage of her uninsured motorist policy, which helped her out tremendously, she said.

“It’s definitely important,” Amanda said on the show. “I had uninsured motorist, and I will never get insurance without uninsured motorist ever again. Without having uninsured motorist, you’re going to be stuck.”

Added Clark: “It’s my job as a lawyer to make sure that my clients are fairly compensated, not only for the injuries they have right now, but for the injuries they may have in the future.”

Filing an uninsured motorist claim can often include complex legal issues that require the assistance of a lawyer experienced in dealing with insurance companies. The lawyers at Chain | Cohn | Stiles can help. Call for a free consultation at 661-323-4000, or visit the personal injury and workers compensation* website Chainlaw.com.

To learn more about uninsured motorist policies and their importance, visit the Frequently Asked Questions page on chainlaw.com.

————-

*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the values of the fraud, whichever is greater, or by both imprisonment and fine.