MedPay is a coverage option provided by your auto insurance. MedPay coverage includes medical expenses that occur as a result of a car accident, regardless of who was at fault and regardless of who was driving the vehicle. MedPay typically covers you, your family, and...
Articles
Underinsured and Uninsured Motorist Coverage (UIM/UM)
In Arizona, the law requires every vehicle owner to purchase a minimum level of liability and property damage auto insurance. The minimum requirements are $15,000 per person ($30,000 per occurrence) in liability coverage for bodily injuries and $10,000 in property...
Borrowers Find Justice after Getting Slammed by the Real Estate Collapse
What Happens When the Real Estate Industry Collapses In 2009, a nice couple came to me because they felt they had been taken advantage of when they purchased their retirement home in the White Mountains in eastern Arizona. About a year after they purchased their home,...
Foreclosures Still a Big Problem in Arizona
Though the rate of foreclosures in Arizona has been steadily dropping, the rate of foreclosures in Arizona remains the 2nd highest in the U.S. behind only California. For years now, I have been advising clients on their potential liability should they lose their home...
Do I Need a Lawyer to Handle My Injury Case?
The majority of all auto accidents with injuries involve only what are called "soft tissue injuries." Stated simply, soft tissue injuries involve damage only to muscles, tendons or ligaments and they are injuries that do not show up on x-rays or most other medical...
Your Auto Policy’s Medical Payments Coverage (Med-Pay)
When consumers think of their auto insurance policy, they usually think of the policy's third-party bodily injury liability limits or property damage coverage. This coverage under an auto policy is what protects you if you cause an accident and another person is...
Liability for Borrowers Who Participated in “Cash Out” Refinancing
During the real estate boom in Arizona, many borrowers tapped into their home equity by refinancing their loans and taking "cash out". In many instances, rather than taking out a 2nd loan or a home equity line of credit ("HELOC"), borrowers would simply refinance...
Is Now a Good Time to Short Sale My Home?
In a recent article, we discussed why a short sale might be a better option than simply walking away from your home and letting it go via foreclosure or a trustee's sale. For the reasons stated in that article, we still believe that a short sale - though requiring a...
Arizona Dog Bite Statute of Limitations
A Statute of Limitations is usually a codified or statutory prescription that sets forth the maximum time after an event that a civil action based on that event may be initiated. In Arizona, the Statute of Limitations varies depending on the type of civil actions. A...
Tax Consequences of a Short Sale or Foreclosure in Arizona
Short Sale or Foreclosure? In my practice over the last couple of years, I have met with countless clients to discuss with them their "underwater" homes. Typically, these clients want to know what are their options with their homes and the outstanding loans. They ask...