Langsam Law LLP

“There is no better advocate in New York, and maybe the universe, to have in your corner.”

“Insure” You Are Covered in 2019!

Posted January 11, 2019

There are various reasons why people are not properly insured or let their insurance lapse. Shopping for coverage may seem overwhelming. They may feel insurance is too expensive and not doing anything for them. They may want to review their coverage, but are putting it off until they have more time. Or perhaps they think they’ll just save a few bucks and start it up in a month or two. This may not seem like a big deal when everything is going well, but lack of adequate insurance can devastate individuals and entire families.

While it is important to carry ample auto insurance to cover not only you but uninsured motorists, it is also important to carry personal liability insurance. This can be part of your renters insurance, homeowners insurance, or an umbrella policy. In the event of an accident where you are found to be negligent, personal liability coverage will step in to shield the assets you have worked so hard to earn.

Personal liability insurance typically covers:

  • Personal Injury
  • Defense Costs 
  • No-fault medical payments to others
  • Property damage to others
  • Damages caused to others by members of your household, like your kids
  • Damages caused to others by your pets, like dog bites or destruction of property

A Cautionary Tale

Langsam Law represented a woman who slipped and fell in front of a building, however the building owner did not have insurance. A lawyer operates on behalf of their plaintiff, and as such will still proceed to recoup money for their client from the defendant’s personal assets if there is no insurance. This means if you are uninsured, you will have to pay any settlement or judgment out of your own pocket. Wages can be garnished, liens can be filed against your property, and assets can be seized.

Please call your insurance agent today to review your policies and place them on autopay so your insurance never lapses. We want your surprises in 2019 to be only the good kind!

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