Blog 
Car Accident Injuries
- More than 41,000 suffer wrongful death from car accidents each year in America
- ATV accident takes life of Findlay man
- Is driver responsible for car accident if he loses consciousness behind the wheel?
- Study supports idea that cell phone use while driving contributes to car accidents
- Childrens helmets a must on bicycles, ATVs, to prevent personal injury
- Tip #3 - How to maximize personal injury recovery
- Be cautious when turning on yellow light to avoid car accidents, personal injury
- Tip #2 to maximize personal injury recovery
- $5.2 settlement awarded after car accident involving cell phone use
- Pain caused by car accidents can last longer than a year for some
Construction Accidents
Dog Bites
- Prepare your dog for new baby's arrival to prevent dog bites, personal injury
- Sylvania passes on tougher pit bull ordinance
- Ohio dog bite attorney Dale Emch opposes pit bull advocate bill
- Pit bull bites cause personal injury
Drunk Driving Accident Victims
- Car accidents caused by drunk driving, wrong-way drivers raise concern
- Toledo, Ohio drunk driving car accident injures family of eight, five suffer wrongful death
Motorcycle Accidents
Ohio Medical Malpractice
- Sandusky patient suffers personal injury after nursing home abuse
- Wrong-site surgery medical malpractice causes personal injury, lack of trust
Ohio Products Liability Claims
- E. coli outbreak causes personal injury in Toledo, Ohio, and parts of Michigan
- Heparin deaths evoke emotion from Toledo surviving spouses
- Prevent personal injury from baby products
Truck Accidents
- Michigan truck company pays $18 million after trucking accident
- Avoid truck accidents during summer holiday travel
- Truck accident near Toledo, Ohio causes personal injury
- Two children suffer personal injury after truck accident
Workers Compensation Claims
General
- Settling a personal injury claim after a car accident could be better than going to trial
- How can neighbor of loud bar get them to obey noise ordinance?
- Motorcycle accident in Sandusky County caused personal injury to Florida man
- Car accident fatalities decrease as gas prices increase
- Can a criminal record be sealed after a felony?
- Allstate ranked worst consumer insurance company
- Local riders suffer personal injury after ATV accidents
- Toledo, Ohio dog bite attorney Dale Emch's "Legal Briefs" column
- Compensation on the rise for dog bite injuries
- Personal injuries from motorcycle accidents increase as helmet use declines
Office Locations
- Downtown Toledo:
National City Bank Building
405 Madison Avenue
Suite 1200
Toledo, OH 43604
Get Directions - Findlay:
612 South Main St.
Suite 101
Findlay, Ohio 45840
Get Directions - West Toledo:
4032 Secor
Suite A
Toledo, OH 43623
Get Directions - South Toledo:
5241 Southwyck Blvd.
Suite 108B
Toledo, OH 43614
Get Directions - Bowling Green:
121 E. Wooster
Suite 255
Bowling Green, OH 43402
Get Directions - Swanton:
110 W. Airport Hwy
Suite 208
Swanton, OH 43558
Get Directions - Phone Numbers:
419-241-1395
Fax:
419-241-8731
Toll Free:
1-800-637-8170
Firm News
- $18 million paid to families of trucking accident victims
- Motorcycle helmet use not required in all states
- Cell phones while driving prevalent in America
- The Staggering Cost of Teen Driving
- Avoid trucking accidents by being safe on the roads
- Bicycle helmet do's and don'ts
- Nursing home suits heat up
- Toledo man charged after crash
- Findley Man Sues City Over Dog Bite
Firm Library
- Car Accident Injuries
- Chuck Boyk's AUTO ACCIDENT VICTIMS FREE REPORT
- Chuck Boyk's OHIO TRUCK ACCIDENT REPORT
- FREE Ohio Accident book
- Child Safety Seats: Are You Obeying the Law in Ohio?
- Safe Cars of 2007: Notice Anything Missing?
- Vehicular "back-ups" cause death among children
- High-tech Phones, Dangerous Drivers: Texting is the New Distraction
- Make Sure You Know What Your Policy Means
- How to Avoid Getting "Adjusted"
- "Optional" Safety in Cars Can Make a Real Difference
- Insurance is Systematically Overcharging its Customers
- Toledo, Ohio personal injury attorney Dale Emch's Blade column - Yellow light is not a signal to turn - March 16, 2008
- Advertisement for The Ohio Accident Book
- National survey finds drivers talking on cell phones while driving
- Highest cause of death for teens - car accidents
- Ohio Medical Malpractice
- Why Is Dr. Jan Adams' Still Practicing Medicine?
- High Profile Prescription Error Leads to Lawsuit
- Medical Malpractice "Reform": Maintaining the Fiction
- Hospital Infections: The New Epidemic
- Insurance Companies Should Be Part of the Debate
- Ohio Products Liability Claims
- OxyContin: Purdue Pharmaceutical's Big Lie
- The FDA: Whatever Happened to Due Dilligence?
- The Hidden Cost of Chinese Goods
- RC2 Company Should Be Proud of Their Recent Actions
- Truck Accidents
- Trucking accidents can cause extensive personal injury
- Trucking company agrees to $18 million settlement
- Dog Bites
- Prepare dogs for baby's arrival to prevent dog bites and personal injury
- Dale Emch testifies that pit bulls should remain labeled vicious dogs
- West Toledo woman mauled by two pit bulls
- Dale Emch's Blade column - September 30, 2007 - Is landlord liable if pit bull attacks?
- Toledo's pit bull law is constitutional; skeldon vindicated
- Dogfighting Is Dangerous to Humans as Well
- Chuck Boyk's OHIO DOG BITE REPORT
- Workers Compensation Claims
- Charles Boyk's OHIO WORKERS' COMPENSATION REPORT
- Workers' Compensation From the Employers Perspective: An Interview With a Construction Site Manager
- Motorcycle Accidents
- Must bikers wear helmets?
- Bad Faith Insurance and Claim Denials
- Setting a Good Standard: Washington State's New Insurance Law
- Legal Briefs 10/28/2007 Article by Attorney Dale Emch
- Economics 101: How Insurers Are Making Billions
- Doing Your Homework Can Keep You From Getting Ripped Off
- Allstate's Bad Faith How-To Guide
- Games Insurers Play: How Insurance Companies Avoid Responsibility
- State Farm: Leaving Mississippi?
- Do You Want Lower Insurance Rates? You Better Get Rich
- The Harsh Education of Trent Lott
- Insurance Company Phone Numbers
- Thanks to CLUE, Ohio Flood Victims Can Expect to be Victimized Twice
- Mapractice Insurers Make More, Pay Out Less
- Wrongful Death
- Sports and Head Injuries: Real Dangers
- Construction Accidents
- Common Causes of Jobsite Injuries
- Firm Newsletters
- Charles E. Boyk Law Offices, LLC October 2007 Newsletter
- Charles E. Boyk Law Offices, LLC November 2007 Newsletter
- Charles E. Boyk Law Offices, LLC December Newsletter
- Charles E. Boyk Law Offices, LLC January 2008 Newsletter
- Charles E. Boyk Law Offices, LLC February 2008 Newsletter
- Charles E. Boyk Law Offices, LLC April 2008 Newsletter
- Charles E. Boyk Law Offices, LLC March 2008 Newsletter
- The Boyk Bulletin May 2008
- Charles E. Boyk Law Offices, LLC June 2008 Newsletter
- Charles E. Boyk Law Offices, LLC July 2008 Newsletter
- Charles E. Boyk Law Offices, LLC August 2008 Newsletter
- General
- Toledo, Ohio personal injury attorney Dale Emch's April 27, 2008 Legal Briefs column
- Teen car accidents cause personal injury, high costs
- Dale Emch's Blade column - Rental agent for Florida condo is keeping deposit - April 13, 2008
- Attorney Dale Emch's March 2, 2008 Toledo Blade column, "Legal Briefs"
- Toledo, Ohio personal injury attorney Dale Emch's Blade column - Detroit mayor’s messages, testimony don’t match - March 30, 2008
- Attorney Dale Emch's 12/23/2007 Toledo Blade column, "Legal Briefs"
- Subprime Crisis Could Lead to Higher Insurance Rates
- Dale Emch's Blade column - Lawyer can't reveal client's confession - February 3, 2008
- Dale Emch's Blade column - Slipping and sliding won't win a lawsuit - January 20, 2008
- Dale Emch's Blade column - Injured bull rider probably out of luck - January 6, 2008
- Dale Emch's Op-ed column - Ohio Supreme Court ruling eliminates jury discretion - January 26, 2008
- Patent law tips from Toledo, Ohio, patent attorneys Gregg Emch and Gary Sutter
- Dale Emch's Blade column - Neighbor's tree falls, but he doesn't want to pay - February 17, 2008
- Attorney Dale Emch's 12/9/2007 Toledo Blade column, "Legal Briefs"
- Dale Emch's Toledo Blade column - November 11, 2007 - Police didn't read rights, but charges could stand
- Should You Hire a Personal Injury Attorney?
- There Isn't Anything "Frivolous" About It: The Personal Injury Lawsuit Process
- What Exactly is a "Judicial Hellhole?"
- Tips for a Safe Holiday Season
- Emch's Blade column - will and landlord-tenant issues - March 18, 2007
- Emch's Toledo Blade column - real estate disclosures and red-light cameras - April 1, 2007
- Dale Emch's Blade column - condo associations have great power - April 29, 2007
- Emch's Toledo Blade column - May 13, 2007
- Emch's Legal Briefs column - June 10, 2007 - respond to legal documents
- Dale Emch's Legal Briefs column - May 27, 2007 - rights to cemetery plot
- $50 Million Dollar Pair of Pants: You Should Be Worried
- Dale Emch's Blade column - arbitration clauses can keep you from your day in court - June 24, 2007
- Dale Emch's Legal Brief's column - July 8, 2007 - escrow rent in landlord dispute
- Dale Emch's Toledo Blade column - July 22, 2007 - land contracts
- Speaking of "Frivolous Lawsuits..."
- Dale Emch's Toledo Blade column - Aug. 5, 2007 - executor can be forced to produce will
- Dale Emch's Legal Briefs column for Sept. 2, 2007 - a spouse's interest in real property
- Tort Reform
Doing Your Homework Can Keep You From Getting Ripped Off
A lot of insurers are banking on the fact that you arent exactly sure about how your policy works. Quite often, they will simply tell you "No" when they should be telling you "yes."Here are some general pieces of advice that anyone with an insurance policy should follow when filing a claim, whether it is health insurance, car insurance, fire insurance or homeowners insurance.
READ YOUR POLICY: It is dense and loaded with legal jargon, but there should be a declarations page that details exactly what is covered and the dollar limits of each category. If you know exactly what you are supposed to get, then you will know exactly when you are being treated unfairly.
WRITING IS MORE IMPORTANT THAN CALLING: The telephone is a wonderful thing, but it doesn’t have a memory. Phone records can tell when two people spoke on the phone, but they can’t tell you what the two people talked about. E-mails, on the other hand, can be kept for as long as they are needed, plus you have the added benefit of knowing when it was sent and received. Every time you have a conversation with a claims supervisor or adjuster, make sure that you have their e-mail address, and then send an e-mail summarizing the conversation you just had.
KEEP TRACK OF EVERYTHING: Hold onto all reports, letters, summarized e-mails and other correspondence between you and the insurance company. Don’t throw anything away. Also make sure that you have the names, e-mails and phone numbers of everyone at the insurance company who is involved in your case.
SCRUTINIZE THE ADJUSTER’S REPORT: Once the adjuster gets around to surveying the damage, he or she will give you a detailed written estimate as to how much it should cost to repair or replace the damage. You should also receive a check at about the same time. DO NOT DEPOSIT IT until you have carefully reviewed the report and agree with everything on it. Cashing the check implies that you accept the report.
BE POLITE, BUT BE THOROUGH: If you feel that there is a big difference between the what you should be getting and what you are getting, this is where all that documentation should come in handy. If there are discrepancies somewhere in the all the documents and correspondence, be sure to point that out. Make your complaints in writing, and make sure that your complaints are clear and to the point.
CONTACT AN ATTORNEY: When it gets to the point where you are at an obvious impasse, it would be in your best interest to contact a lawyer. It is also in your best interest to contact an attorney that not only specializes in dealing with insurance companies, but one who has years of experience in doing so. Insurers hire the best and most experienced attorneys in the country to handle their interests, so your attorney should be of the same caliber.
Simply following these steps could be the difference between receiving a fair settlement or receiving nothing at all.
If you or a loved one has been in an accident, and you feel that your insurance company is not treating your concerns fairly, contact our offices for a free legal consultation today.
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Quick Contact
Charles Boyk Law Offices, LLC
National City Bank Building
405 Madison Avenue
Suite 1200
Toledo, OH 43604
Phone: 800-637-8170
Questions
- Car Accident Injuries
- The insurance company is planning on offering me a check, even though the accident happened very recently. Should I accept it?
- Truck Accidents
- I was hit by a tractor trailer and everyone is denying responsibility. Why is this the case?
- Dog Bites
- Which dog breeds are the most dangerous?
- How often do dog bites occur?
- I was bitten and only need minor medical care. Should I hire an attorney?
- I was bitten by my (friend’s/neighbor’s/relative’s) dog, and don’t want to bring suit against him. What is the best way to get my needs taken care of without getting the courts involved?
- What are my rights according to Ohio State Law?
- The owner of the dog is claiming that he/she doesn’t have insurance. What should I do?
- Bad Faith Insurance and Claim Denials
- The settlement offer that the insurance company is offering me is not even enough to cover my medical bills. What are my options?
- Drunk Driving Accident Victims
- I was injured by a drunk driver, and am suffering from lingering injuries. What are my options?
- Construction Accidents
- I was walking downtown and passed a construction site when debris fell from the roof and I suffered severe abrasions on my face and hands, and a broken shoulder. Who is liable?
- Workers Compensation
- I injured my neck lifting a crate at work and when I went to report my injury, my boss said I had to go see the company physician before I could file a workers compensation claim. Is this true?
- If I'm injured on the job by a defective nail gun at a construction site, do I risk losing my workers compensation benefits if I decide to pursue a lawsuit against the nail gun manufacturer?
- Car Accidents
- I was in a serious car accident injury recently and am unable to work indefinitely. I am not sure that what my insurance company is offering me will be enough for me to live on while I recover. What should I expect in a settlement?
- Medical Malpractice
- If I've been injured while undergoing surgery or medical treatment, who is responsible?
- What is the maximum amount I can expect from a medical malpractice incident?
- General
- Can you guarantee a successful case?