This guy is lucky his injuries weren’t worse. The driver sped off. Now, he is left to pay for his injuries on his own. What can he do? Call his UM insurance company!
Just the other day I had a client ask me what “UM” insurance is. Really, it’s pretty simple. UM or UIM insurance is uninsured or under-insured motorist insurance. If you are in a wreck and the person who hit you doesn’t have insurance, your UM pays for any injuries you may have. (It does not cover property damage.) In Oklahoma, the law requires your insurance agent offer you UM insurance. If you don’t want to buy it, the insurance company is required to have you sign a rejection where you sign that you don’t want the insurance.
One nice feature of UM insurance is you don’t have to be driving to be covered. The Oklahoma Supreme Court has even said you are covered while sitting on your front porch, if an uninsured driver hits you! With medical bills skyrocketing, the costs involved treating injuries from a wreck can be downright scary! Certain trends tend to repeat themselves. Dangerous drivers seem to be consistently under insured. On the good side, UM insurance is relatively cheap. I’ve seen it save people from insurmountable medical bills or losses from wrecks.
Since this isn’t intended to be legal or insurance advice, give me a call if you have any questions. 580-234-4334.
I am an air show nerd. For the first few years of my life, my dad had airplanes. I was fortunate enough to get to fly with him to OSU football games, and, I am sure, other places. That early exposure to airplanes instilled in me a love for flying. While I was in college, I worked on Oceania Naval Air Station in Virginia Beach, VA. I saw F-18’s, F-15’s, F-14’s, E-6’s, and others. My Oklahoma co-workers got really tired of hearing the roar of the jets doing practice carrier landings, coming in right above our heads. I was in awe every time.
In high school, I was a very driven kid. I was a state and national officer in a student organization, all-district in football, valedictorian, 4.0, high ACT score, blah, blah, blah. That commitment and involvement created probably the greatest opportunity I have ever squandered. Our Senator used one of his 2 yearly Air Force Academy appointments on me. Ask my parents, and they will tell you my drive to go to the Air Force was not just some new interest. It WAS what I was going to do. Despite my fancy looking resume, I lacked an important virtue, self-discipline. Oh, I passed all the physical tests, had good enough grades, and whatever else I needed. Still, a small part of me kept saying, “Do you really want some Yay-hoo telling you what to do for the next four, and then six years of your life?” I subconsciously started looking for an easy (or fun) way out.
I grew up an OSU fan. We went to tons of football and basketball games, and I always imagined I would follow my parents’ lead and go to OSU. Now, OSU and the Air Force Academy pulled me in different directions. After a little research, I learned I could go to OSU on an Air Force ROTC scholarship (read: easy way out). Perfect. So, I applied and received a scholarship that would have paid my tuition, room and board, and books. (If you do that math, that’s pretty much all of college.) This was in addition to the scholarships which were already paying me to go to school. After beds, books, meals, classes, fees, and all sports tickets were paid, I had left over money. This was before my biggest scholarship even kicked in.
You might say to yourself, “I didn’t know Drew was in the Air Force?” I wasn’t. Remember what I said about self-discipline? I did not have any. Once I made it to Stillwater, I figured out no one would make me go to class. No one would make me work out. I could party, sleep, and eat. So, that is what I did. I dropped out of ROTC, thereby losing that scholarship and my dream to fly. I lost most of my other scholarship because my grades weren’t where they were supposed to be. I threw away a lot of other people’s scholarship money on myself and my lack of discipline.
I say all that leave two important points. First, find a way to discipline yourself to commit to achieving your goals. In high school and college I never had to study. I aced high school and passed college without attending class. I figured any guy that can get a perfect score on the reading part of the ACT can just do whatever he wants. I never knew I didn’t know how to study until law school. Before entering law school, I was never lower than the 98% percentile in any standardized testing. Then, I took the LSAT (required to get into law school). My score was just pretty average. My dad said it best when he said all the other tests were graded against people, some of whom cared, and many of whom took the tests just because they had to. The LSAT was taken by a bunch of people who cared enough to be willing to suffer through law school. The stakes were raised. My first semester of law school I was married with a child who was less than a year old. I was scared to death I wouldn’t make it. So I studied and studied and studied. It was only then did I ever figure out how I learned.
Law school was a long way from where I set out in high school. It took law school for me to figure out just the studying part of self-disciple. The only way to commit to achieve your goals is to push yourself, hard.
My second point is this: Thanks to the men and women in our military. My high school class had an disproportionately high number of men and women serve our country in every branch of the military. Those people are my heroes. Our military members volunteer to commit their lives for some period of time to service of our country. They didn’t look to see if it was a just war, or if we should be in Iraq or Afghanistan, they don’t get an overriding royalty interest in any oil from overseas. They get paid little, and work hard. For Vance Air Force Base to plan and execute its 75th anniversary open house, and have the freakin’ Thunderbirds! with the budget they had, was an amazing task completed by volunteers. I watch the precision air demonstration team put on a heck of a show that they dedicated to our military men and women. I hope my childish and giddy love of the air show was the physical demonstration of my appreciation for what they do.
Recently, Northwest Oklahoma has been plagued by numerous fires. The weather is warm, rain was in short supply, and the wind was really whipping. We’ve been blessed to have some nice spring rains, but the previous dry, windy conditions create a potentially devastating opportunity for horrific fires. We know that most of these fires did not just flare up on their own. In most of these fires, the team at Ewbank, Hennigh & McVay can trace the cause of the fire to the actions of one or more person or company. We are currently representing landowners with thousands of acres of land destroyed by fire. Here are some things you should know about these fires:
Even if the fire started well away from your property, you may be able to recover from a negligent party.
Your various insurance policies may provide insurance coverage of which you are not aware.
The origin of a fire can be narrowed down with impressive ability to determine the actual cause, and who caused the fire.
Pictures are worth a thousand words. Make sure to document your losses. This includes burned land, fences, livestock, homes, equipment, and other similar items. Pictures show the destruction, which is important to document the true amount of damage.
Just because something did not catch fire does not mean it is not damaged. Intense smoke damage can just as destructive as the fire itself.
Numerous different state and federal agencies work together to provide assistance for fire victims.
If you have been evacuated or displaced because of the fire, your insurance may pay for increased living expenses.
We have clients with property damaged in the Harper County Fire, Anderson Creek Fire, Major County fires, Woods County fires, and Woodward County fires. If you or your family has any questions or concerns about these fires, contact us today. Call EHM at (580) 234-4334. Email us at email@example.com
EHM has a strong belief in supporting our local schools. We give of our time, treasure and talent to help our schools open opportunities for all area kids. Take some time out of your day to educate yourself about the proposed bond issue. Hopefully, you’ll agree continued investment in our schools will continue Enid’s growth.
Yesterday Chisholm high school was host to a dynamic and inspirational speaker, former KC Royals player Les Norman. Mr. Norman is now a motivational speaker in the Kansas City area who also has a syndicated radio broadcast and television show. He spoke first at Chisholm Elementary, where he entertained the kids while presenting on the topics of encouraging respect and on the issue of bullying. Many of the school kids were treated to photographs and autographs after his presentation. Subsequently, Mr. Norman spoke to the middle and high school kids for Chisholm schools. While relaying primarily the same message, he talked specifically about being bullied in his younger years and the effect it has had on him throughout his life. His passion for encouraging self-respect and respecting others was evident as the kids sat quietly and listened.
Ewbank, Hennigh & McVay, PLLC was honored to be able to have Les come and speak on these very important topics facing schools today. We take great pride in continuously trying to support both the community and local school districts.
Congratulations to Andrew Ewbank on being a 2015 recipient of Enid Young Professionals “Top 10 Under 40” award. Drew joins his law partners Kaleb Hennigh (2014) and Dalen McVay (2012) as winners of the prestigious award. The accolade is given annually to individuals who have shown a strong commitment to the community by serving on numerous boards and civic clubs. Congrats Drew!
On May 1st Ewbank, Hennigh & McVay played in the Chisholm Athletic Booster Club Golf Tournament at Pheasant Run Golf Course in Enid, Oklahoma. All proceeds went to the Chisholm Sports Booster Club. The tournament consisted of a 4 person scramble where Todd Hamilton with Farmers Insurance joined our team. We enjoyed an afternoon getting to know the Chisholm boosters as well as supporting a good cause.