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Readers Talk Insurance, Accidents During Chat With Personal Injury Lawyer

Teens driving. These, and other potentially hazardous activities, were discussed Friday in a ydr.com live chat featuring attorney Gregory Bair of Stock& Leader...

By Lauren Boyer, York Daily Record, Pa.
McClatchy-Tribune Information Services

May 09--YORK, Pa. -- Teens driving. Treading through icy parking lots. Super gluing.

These, and other potentially hazardous activities, were discussed Friday in a ydr.com live chat featuring attorney Gregory Bair of Stock & Leader.

Bair is a member of the York firm's litigation practice group.

His concentrations include injury law; domestic law and other issues, such as auto and motorcycle accidents; wrongful death; product liability; animal injuries; and injuries resulting from falls.

Readers logged on to ask Bair questions -- the good, the bad, and the downright amusing.

Here's some dialogue from the conversation:

Q: How successful are lawsuits where an individual has slipped and fallen in, say, a parking lot or a slippery hallway? Are they common?

A: Slip and fall cases are fairly common. These cases can often bring good financial results to those unfortunate individuals who have fallen, incurred medical expenses and experienced pain and suffering.

Q: We have a daughter ready to get her license. If she will be driving our cars, will we have to add her to our policies or is it possible to put her on her own?

A: That's the conundrum of most parents. Under Pennsylvania law you insure the vehicle and not the driver. I believe this will depend on your daughter and to what degree she is careful and responsible. If she is a "risk" I would personally put her on a separate policy.

Q: If I were to fall victim of prank and become glued to a toilet seat inside the restroom of a major retailer, what are my options? Would I win a personal injury lawsuit?

A: You could potentially win a lawsuit. -- unless you did it yourself or agreed to it!

Q: Am I liable if my child is on my policy and hits someone?

A: This is a tough question. This will all depend on the facts of each case. There is a concept under Pennsylvania law called "negligent entrustment." Negligent entrustment is where a person, the parent in your scenario, knows or should have known if their child has a tendency for bad or reckless behavior. In those situations, the parents could be held liable. An example of this is where the parent knows that the child has a history of drinking and driving and the parent allows the child to use their vehicle.

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Q: I've heard some people talk about umbrella policies. Are they important? Can they protect my family?

A: Umbrella policies can certainly protect you and your family. It is my opinion that this type of policy is best for a single person or an individual with significant assets. The policy acts as an "umbrella" and protects personal assets.

Q: What's the difference between full and limited tort when it comes to insurance?

A: I believe full tort is always advisable. If you select full tort you have the unrestricted ability to sue for pain and suffering, which almost always occurs to some degree (even in the most minor accident). Your ability to sue for pain and suffering by selecting limited tort would greatly compromised. lboyer@ydr.com; 771-2062

Appealing your property tax assessment? Join ydr.com's next Friday live chat with attorney Frank Countess

Think you're overpaying for property taxes?

As property values dwindle, many argue their home's assessed value -- the figure used to determine property taxes -- should decrease accordingly.

In 2009, there were more than 360 property appeals that were not dropped or settled. Those cases resulted in a countywide decrease of $34.4 million in assessed value, according to a York Daily Record report.

To find out how to lower your property taxes, chat live with CGA Law Firm attorney Frank H. Countess10 a.m. Friday at ydr.com.

To join the conversation, visit ydr.com/business and click the live chat link.

Countess chairs the firm's real estate practice group. For more information, visit www.frankhcountess.com.

Business reporter Lauren Boyer will moderate the discussion. For details, call 717-771-2062 or e-mail lboyer@ydr.com.

Got an idea for a live chat?

Contact business reporter Lauren Boyer at 717-771-2062 or email lboyer@ydr.com.

Chats occur every 10 a.m. every Friday and last about one hour.

___

(c)2012 York Daily Record (York, Pa.)

Foresters Advantage Plus: Participating Whole Life Insurance

Visit York Daily Record (York, Pa.) at www.ydr.com

Distributed by MCT Information Services

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