True or False

1. If a client had a sprained ankle before a slip and fall injury is going to be harder for him to claim damages in a personal injury case

2. Punitive damages are awarded in addition to actual damages, in order to "punish" extreme wrongdoing

3. When we say "the law takes you as it finds you" that means our clients injuries will be taken at face value, regardless of his or her physical ability or age.

4. Med pay is useful in smaller minor damage auto accidents and motorcycle accidents.

5. If someone wrecks his own car his comprehensive and collision coverage will pay for damage to the car as well as bodily injury.

6. If you're injured in a car accident and the person at fault has no insurance you can easily be compensated out of the typical defendant assets.

7. In most states motorists are required by law to purchase liability insurance.

8. If our client Lucy was a victim of a hit-and-run accidents where she has no memory of license plate number no proof that the other car hit her she can still be covered under the phantom vehicle rule.

9. Your uninsured motorist coverage handles situations where you have less liability coverage than the other party.

10. If you are entered in a car accident and the person at fault does not have insurance you are out of luck as far as compensation for your injuries.

11. Med pay coverage will pay for medical bills up to liability limits regardless of who is at fault.

12. It is sometimes difficult to negotiate uninsure motors claims with the insurance company because the premiums on that coverage are usually fairly low.

13. Generally our firm is not involved in collecting comprehensive and collision coverage for our clients.

14. If our client only has minimum limits on the policy he or she would not be able to get compensation under underinsured motorist coverage.

15. The spouse of the name insured is almost always covered by a policy.

16. According to law, your premiums will automatically go up after you use your coverage after an accident.

17. Typically, an adopted son who is a licensed driver living with the named insured parent will be covered by that policy.

18. In many cases, an injured passenger can file a claim against the driver of the car he was in, as well as the driver of the other car in the accident.

19. Your underinsured motorist insurance is specific to your own car, it does not follow you, the driver, from car to car.

20. When it comes to people other than family members, permission is the key concept when the law decides who is covered by the named insured's policy.

21. Friends, neighbors, and other non relatives are generally not covered by your own insurance policy, even if they have express permission to drive your car.

22. Stacking is most useful in uncommonly serious accidents, and it is generally not necessary in the more common, less serious kind of accident we typically see.

23. In general, only someone specifically named in your auto insurance policy is covered.