- Intro to DarrasLaw
Our mission is to help real people and our name means real protection when it comes to insurance law.
- Gap Insurance is Important
Umbrella policies need to start right where the homeowner's policy ends, or you face liability for hundreds of thousands of dollars after an accident.
- Does Your Umbrella Insurance Drop Down Enough to Really Cover You?
Does your umbrella policy drop down to start where your auto insurance coverage ends?
- Making Sure You Have Enough Uninsured and Under Insured Motorist Coverage
20% of motorists are uninsured and 60% are underinsured. Will $15K cover the victim in a major accident? Unlikely.
- Do I Need Hurricane or Flood Insurance?
More than 25% of flood claims come from areas where there hasn't been flooding before.
- Be Careful of the "Gap" When Buying Insurance Online
If you total your new car, the depreciated amount might leave a giant gap between the present value and what you owe.
- Do You Need Earthquake, Flood or Hurricane Coverage? A Checklist to Remember
Many people wrongly think they're covered from earthquake damage under homeowners insurance.
- Sending Your Kid to College With a Car? Insurance Tips to Remember
The scary liability issues involved with college kids taking a car to school.
- Educating Agents, Financial Planners and Players on How to Properly Apply for Disability Insurance
How insurance carriers stack evidence against you in a disability insurance trial.
- Should the NFL Amend the Current Player Drug Policy?
Weightlifting supplements, medicinal marijuana and RX drugs may derail an NFL career.
- Insuring Against Damage and Loss
The value of insuring cellphones, tablets and laptops is relatively inexpensive vs. the cost of replacement.
- Helping the Pro Athlete Collect on Disability Insurance
Do you think an insurance company is going to just write a check for $10 million after a pro athlete makes a claim?
- Disability Insurance for Pro Athletes, Don't Get Fooled
Don't be fooled into thinking that workers' comp is going to sufficiently protect you.
- Top College Athletes and NCAA Disability Pitfalls
Insurers use ambiguity and confusion to try to avoid paying high-value claims for high value policies.
- Insurance Coverage Liability & Fires
A homeowner's insurance coverage will typically cover an at-home, outside grilling accident.
- Grilling and Fire Safety
ESPN's Hannah Storm suffered through a catastrophic gas grill explosion last year. This type of accident isn't uncommon.
- Insurance Company Medical Examiners, Are They Fair?
Insurance company medical examiners may be doctors who are incompetent or have bias in favor of the insurer.
- Terms and Conditions of the NFL Concussion Settlement
The proposed settlement now covers 20,000 NFL players. Frank Darras discusses the details.
- NFL Concussion Settlement Updated
The NFL recently agreed to settle a head injury lawsuit with 4500 players.
- Understanding Your Rights Under ERISA
ERISA doesn't have enough rights and remedies for the average consumer.
- Discussing NFL Concussion Settlement Details
Independent, non-NFL doctors are going to establish baselines for the health of current and former players. But what about the guys who are already in poor shape from concussions?
- NFL Contracts: Who Gets Paid
Colin Kaepernick's new contract requires him to purchase a specialized disability contract. If he is injured it is the 49ers who receive the claim payout - not Colin.
- Pro-Athlete Insurance: Be Careful Before You Sign
A careful review of an athlete's medical history is a crucial step before purchasing a disability insurance policy.
- Protecting your property
Each year, you need to grab a video camera or smartphone and go room-to-room, documenting everything you own.
- Auto Accidents and Insurance
Frank Darras discusses what you should do after an auto crash.
- Taking on a Billion $ Insurance Company
Frank Darras explains why DarrasLaw offers free advice to insurance policyholders who are having a tough time with the insurance company.
- Filing a Successful Disability Claim
Find out why it's useful for you to bring a checklist to your doctor appointment. Frank N. Darras shares other tips with those making a disability claim.
- Activities Inconsistent with Your Disability
When you are on disability you still have errands to run. Avoid doing something inconsistent with your disability, like heavy lifting or golfing.
- Recent Grads and Life Insurance
Being young and single is no excuse for not having a life insurance policy. Life insurance is inexpensive for young people in their 20s.
- College Graduates and Insurance
Why do college grads need to make insurance a priority? How does it protect their future?
- At Home Long Term Care
Many people want to avoid living in a nursing home, but will need professional assistance to remain at their home. An excellent long term care policy often has at-home coverage.
- Long Term Care Options
If you think Medicare will take care of you when you need Long Term Care, you are sorely mistaken. LTC insurance will help you avoid being put in a substandard nursing home.
- Disability Insurance for Every Occupation
Occupation-specific individual disability insurance is crucial for people in all careers. Workers' compensation, by itself, is insufficient to protect you.
- Disability Insurance and Tiger Woods
Anyone who relies on their body to earn a living should have disability insurance. At just 34, Tiger Woods knows this as well as anyone.
- Long Term Care and Women
Statistically, women need a longer duration of long term care. A robust LTC insurance policy is a must for women, who are four times more likely to have dementia than men.
- ERISA Coverage & Medical Reviews
Insurers often bring in "independent" doctors to discredit your ERISA claim. How can you fight against this biased physician's opinion?
- Disability Insurance Claims
When your disability insurer denies your claim it triggers an unfair fight that you won't win alone.
- Stranger-Owned Life Insurance Policies
There may be negative consequences to a stranger-owned life insurance policy. Get informed about SOLI.
- Selling Your Life Insurance Policy
Commercials try to convince seniors that selling their life insurance policy is a good move. Is there any truth to this?
- Instant Millionaire
Getting drafted to the NFL, especially during the early rounds, means a quick, large paycheck.
- Sports Contracts and Insurance
Slot protection insurance for college athletes with eyes on the pros.
- NFL Draft Contracts
Football is not a guaranteed contract. The only thing that's guaranteed is your signing bonus.
- NFL Team Coverage
Don't be fooled into believing that the team is providing all the coverage you need.
- Usage Based Car Insurance
Auto insurance based on how and when you drive. Is it right for you?
- Video Inventory
In the event of theft or fire, you'll wish you'd taken video of your property. Create a video inventory today.
- Riders and Appraisals
Additional coverage for your jewelry, collectibles, other items is more affordable than you may think.
- Flood and Earthquakes
Your homeowner's insurance likely does not cover flood damage. Are you protected?
- Travel Safety
More and more people travel by car, train and plane each year. Tips to stay safe when seeing the world.
- Travel Insurance
Trip interruption protection for emergencies, health issues and other events that may change your travel plans.
- Holiday Accidents
Increased traffic, inclement weather and holiday parties can make accidents more likely during the holidays.
- Holiday Hazards
Fires are only one part of the hazard. Ladders and chairs lead to serious falls during the holiday season.
- Minor League, Major Risk
There's no union to protect you in the Minors. Disability insurance may be your answer.
- Go Big or Go Home
Players are getting bigger and hits are getting harder in today's football world.
- Disability Insurance for Olympic Athletes
Almost 10% of athletes were injured in the last Winter Olympics. Disability insurance can protect Sochi athletes.
- Disability Insurance for Female Athletes
Female athletes are statistically more likely to suffer serious injuries. Disability insurance is imperative for these pros.
- Individual Disability Insurance
Individual disability insurance is your way to protect yourself.
- Understanding Your Insurance Policy
Don't be afraid to ask questions. Know your coverage.
- Renters Insurance
Renters insurance is good protection for students as they head off to college.
- Storm Season Protection
Don't wait until disaster strikes to inventory your property.
- Disability Insurance
Two-thirds of workers say they have no disability insurance. It's your protection against a long-term injury.
- NFL and NCAA Disability Policies
Individual disability insurance is available whether or not you are playing. Don't get caught injured and without it.
- Athletes and Insurance
Young athletes are at risk of serious injury. A disability insurance policy can protect your future.
- Long Term Care Insurance
Growing older is inevitable. Long-term care insurance may provide the at-home care you one day need.
- Disaster Policy Cancellation
After a major disaster, it's not uncommon for insurers to try to cancel your homeowner's policy.
- Flood Insurance
Don't assume your homeowner's insurance means you have flood coverage. Know your policy, know your rights.
- Football and Concussions
Helmet-to-helmet contact. Football poses a threat of serious head injuries.
- Social Media Dangers
Don't let your Facebook, Twitter, Instagram or other account be used against you. Be careful what you post.
- College Drivers
Are your college-bound kids properly insured if they are taking a car to college?
- Football and Disabilities
As NFL players get bigger, faster and stronger, players are at greater risk of career-ending injuries and disability.
- Homeowners Insurance
Take a moment to understand what is and isn't covered under your homeowners insurance policy.
- Back To School
As your kids head to college, do they need health, renters and/or car insurance?
- Recreation and Waivers
Before signing on the dotted line, take a look at the fine print on recreation waivers.
- Pro Sports Injuries and Insurance
Is ARod changing the face of MLB injuries and disabilities?
- Top 10 Mistakes
Policyholders, don't make these mistakes that can leave room for a claim denial.
- Top 10 Claim Mistakes PART1
Your insurance carrier is looking for a way to deny your claim. Avoid these common mistakes. (1-6)
- Top 10 Claim Mistakes PART2
Talk to an insurance lawyer before talking to your insurer or their representative. (8-10)
- Long Term Care Tips
Advice for senior citizens dealing with rate increases, requests for non-forfeiture and working with your doctor.
- Should Seniors Cash Out Life Insurance
Don't sell a life insurance policy before listening to these tips.
- Buying the Right Insurance Policy
Life insurance isn't just for our parents. What you need to know to be protected.
- Fight For A Claim
Have you been denied long-term care benefits from CNA or Continental Casualty after paying your premiums?
- DarrasLaw "Life Settlements"
Life settlements are a multi-million dollar industry. As seniors are targeted, here's important information.
- FOX News with Frank N. Darras
Three scenarios in which you could consider selling a life insurance policy. Otherwise, do not.
- Arthur Robinson, Jr. interviews
Frank Darras explains ERISA and group insurance under and employer-sponsored plan.
- Doctor, Dentist & Chiropractor Insurance Disability Denials Part I
Listen before making an individual disability benefits claim.
- Doctor, Dentist & Chiropractor Insurance Disability Denials Part II
Listen before making a claim.
- ERISA Video Part I
Frank Darras explains the dirtiest insurance secret in the nation: ERISA.
- ERISA Video Part II
ERISA wasn't made to help policyholders. Learn how.