Accident Insurance

In this video we’ll talk about accident insurance; why you should consider having it; what it covers and how it works.

Why should you consider accident insurance?
According to the National Safety Council, more than 25 million people in America suffered a disabling injury every year between 2005 and 2008.

If you’re in an accident, there may be medical bills and expenses that you did not anticipate, like high deductibles or other out-of-pocket costs.

Depending on the type of major medical insurance you have, some hospital bills, doctor’s fees, rehab and physical therapy costs may not be covered by your major medical insurance policy.

And, if you’re unable to work, your regular bills, like your mortgage or rent, utilities and auto payments don’t stop coming.

Unless you have a robust savings account that can handle large unexpected expenses, accident insurance may be right for you.

What can accident insurance do for you?

Accident insurance helps provide you with a way to stay ahead of the medical and out-of-pocket expenses that you may face after an accidental injury.

Accident insurance provides you with cash benefits that are either paid to you directly or that can be assigned to someone else — at your discretion.

And, you decide how best to spend the funds.

Accident insurance is designed to help you protect the money you’ve saved from large, unexpected expenses due to an accidental injury.

How does accident insurance work?
– With accident insurance you may receive cash benefits to help with expenses that may not be fully covered by your major medical insurance;
o things like Broken teeth;
o Concussions;
o Confinement to an Intensive care unit;
o visits to the emergency room;
o and more.

– With accident insurance you may also receive cash benefits, which can be used at your discretion to help with things like housing, gas, electric and cable bills; or payments for vehicles – like cars, boats and motorcycles.

Accident insurance is designed to help provide you with peace of mind.


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Six Secrets to Know When Renting a Car

There are six secrets that car rental companies don’t want you to know and these secrets can save you a lot of money.

Number one: always inspect the car you’re renting with an employee before you sign anything. Car rental offices should have a vehicle inspection list that is signed before you leave the premises, otherwise you could be billed for the damage.

Number two: off airport locations are often cheaper than those at the airport. The vehicles at the airport locations often cost more due to airport fees.

Number three: fuel purchase options and insurance. You may purchase a tank of gas from the rental company at the time of rental, and return the vehicle with as little gas as you prefer. Be aware that they are unable to give you a refund for any unused fuel. However, this method eliminates the need for you to refuel the tank prior to returning. This can be very pricey if you’re not traveling far, but is a convenience.

The rental car agents enthusiastically encourage you to purchase car rental insurance or what is commonly referred to as collision damage waiver, the CDW. However, check with your insurance agent and find out if your credit card covers this. However, you will be responsible if the vehicle is damaged and the time that it is not being used, that’s a bill you will have to pay.

Number four: negotiate your upgrade. The upgrade rates don’t exist, they’re made up by sales people if you have a mid-sized reservation and you’re looking for something larger or something more fuel-efficient, you can ask for the upgrade. Don’t pay the extra fee. If not, take the reservation.

Number five: timing is everything. The largest expense incurred by a car rental company is depreciation. If the car is sitting on the lot, they want to rent it.

Number six: complain and you shall receive. Car rental companies often go to great lengths to make their customers happy. Like most companies, they want you to use them again. If there is a problem or complaint, complain to a manager and ask for a discount or a refund.

You can save even more money by using your AAA discount, AARP or even a buying club.

Courtesy of Time Warner Cable / YNN
Aired: 8/10/2011


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How Much Does Homeowner’s Insurance Cost?

How much does homeowner’s insurance typically cost when buying a home? Erika Pektas, Realtor and Insurance Specialist, talks about how much it costs for homeowner’s insurance, what factors are at play, and when to get homeowner’s insurance during the purchase of your new home.

You can search for your next home at Erika’s website: and reach out to her for more real estate and insurance insight at or 407-334-6294!

How much does it cost for homeowner’s insurance:


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Car Insurance Adjuster Sends You a Check You Didn’t Even Ask For! What Do You Do Now?

This happens more than you think.

You were involved in a car accident here in NY and before you have a chance to gather all of your medical records, the insurance adjuster calls you on the phone to find out how you are feeling. Based upon your answers, the insurance adjuster might just send you a check to cover your expenses and their perceived value of your “pain and suffering.”

You arrive home one day to find a check waiting for you from your car insurance company. It’s a large check. It has five digits. You are tempted to cash it or deposit it. You could use the money since you have not been able to work since your car accident.

Before running to the bank, be forewarned.

There is usually language on that check that indicates if you deposit or cash it, you effectively end your claim right then and there. You will likely waive your rights to receive any other compensation if you accept that check and deposit it into your bank account.

Before you run to the bank and deposit the check, ask yourself how could the insurance adjuster or claims adjuster possibly know the true extent of your injuries if they don’t have any of your medical records?

How could they know whether your injuries are permanent or disabling?

If you have not sent them copies of your medical records and you are still undergoing treatment, how could they possibly know the true value of what your “pain and suffering” is really worth?

The insurance company has a hidden agenda when sending out a check like this.

They hope you will eagerly jump at the chance to deposit that check and end your claim once and for all. They know that they have a greater chance of limiting their payout early on in your claim compared to waiting and gathering all of your medical records and seeing what the true extent of your injuries really are.

Is it a nice gesture? Sure it is.

However don’t confuse nice with a claims adjuster’s desire to limit your monetary payout. Remember, an insurance company’s goal is to limit the amount of money they pay out to you.

Your goal however, is to document all of your injuries in order to maximize the value of the compensation you should be receiving.

Watch the video to learn more…

Here’s a cardiac malpractice case where I was able to achieve a $6 million dollar settlement for my client:

Here’s a foot surgery case where a Westchester, NY jury awarded my client $1.55 million dollars for her pain and suffering:

To learn more about how medical malpractice cases work in the state of New York, I encourage you to explore my educational website, ‪‬.

If you have legal questions, I invite you to pick up the phone and call me at 516-487-8207 or by email at This is what I do every day and I’d be happy to chat with you.

Law Office of Gerald Oginski
25 Great Neck Road, Ste. 4
Great Neck, NY 11021

Twitter: @GerryOginski


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How to Get The Best Car Insurance Rates for Teenagers 2017 Teen Car Insurance Rates

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Insurance Made Simple Course #1: The 4 Parts of A Policy

Video #1 in our 6 part course gets the basics laid out: Specifically the 4 parts of an insurance policy and coverage limits. Policies have parts? Yep, we’ll get that figured out right from the beginning.

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Here’s the video breakdown:

Celebration – 0:01
Why is this course important? – 0:15
Intro – 2:06
Parts of A Policy
Declarations Pages – 5:15
Forms – 6:25
Endorsements – 7:30
Exclusions – 8:25
Fun Fact – 9:45
Can insurance companies do whatever they want?
Coverage Limits – 11:00
Rookie Mistake – 12:12
Buying insurance based on price alone.
Outro – 13:25

Want the complete course? find it here


While we love teaching everyone about how insurance works, we currently only offer policies in Indiana, USA. If you’re in Indiana, it’s time to get connected.
Contact us at


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