automobile Image of a box marked with question marks on the outside. An insurance policy lies on the inside.

IS THERE A HIDDEN SURPRISE IN YOUR AUTOMOBILE INSURANCE POLICY?

If you are like most people, you never actually read your automobile insurance policy. Insurance policies aren’t exactly light reading. They contain many terms with specific legal meanings, and are generally confusing in the way they are written. This is by design. As Jack Ward’s character in “The Verdict” stated when talking about insurance companies: “wake up Frankie for Christ sakes, these people are sharks. How do you think they got all of that money…by doing good?” Most people mistakenly rely on their insurance agent to provide them with what they think they need, or in many cases, the minimum required by state law

Many liability or umbrella insurance policies however contain a provision few consumers know about. It is called a “step down” or “drop down” provision. It only applies in very limited circumstances, but can have huge ramifications when it does. This unpleasant surprise may result in you getting something much different (and less) than you expected. Let me explain.

Automobile insurance policies in Minnesota (and in most states) require that you carry certain coverage in minimum amounts required by state law. For example, in Minnesota, you are required to carry a minimum of $30,000 in liability coverage; $25,000 in uninsured and underinsured (UM/UIM) motorist coverage; and basic no-fault coverage. Many people however, (wisely, I might add) decide to purchase higher limits to protect themselves and their family. It is not unusual to find many responsible drivers who carry $50,000, $100,000 or even $250,000 in liability and UM/UIM coverage.

A “step down” provision in the insurance contract will seek to limit a family member from ever recovering this higher policy coverage, and provides that the most a family member can recover in specific situations is the minimum coverage required by law. In essence, this provision seeks to prevent family members from ever accessing this coverage, despite the fact that they paid for it. This is best illustrated by an example.

A husband and wife have an automobile policy, which contains $250,000 in liability coverage. The husband is driving the family vehicle and the wife is a passenger, when the husband runs a red light and a violent collision ensues. The wife is seriously injured and brings a personal injury claim against her husband for his negligence in causing her injuries. Both husband and wife believe there is coverage up to the policy limits of $250,000.   Both are surprised to learn however that because of the “step down” provision, the wife is only entitled to recover the minimum limits required by Minnesota state law, which is $30,000.

In other words, in that situation, the coverage “steps” or “drops down” to the minimum coverage. The unfairness of this absurd situation is highlighted by the fact that if there were another unrelated passenger in the car who was also injured due to the husband’s negligence, that passenger would have access to coverage up to the policy limits of $250,000. The stated underlying policy for this distinction has been to “avoid collusion between family members.”

This provision has been challenged in Minnesota courts. The Plaintiffs claimed that such provisions are unenforceable because they are ambiguous and violate the “reasonable expectations” doctrine. They argued that the average consumer would reasonably expect that a family member would have the same coverage as a stranger. The Minnesota Supreme Court has yet to have a final say on the validity and enforceability of these draconian provisions. The lower Minnesota Court of Appeals however has ruled that these provisions are not ambiguous and do not violate the “reasonable expectations” doctrine. Until the Minnesota Supreme court decides to rule on the enforceability of these provisions, they are enforceable according to the Court of Appeals.

There are also other scenarios where “step down” provisions apply. The purpose of this blog is to make you aware of the provision, examine your own policy, and have a discussion with your insurance agent to make sure there are no unpleasant surprises in your policy. If your policy contains this clause, you may want to shop around for auto insurance that does not contain this absurd limitation on coverage.

If you have any questions regarding any personal injury matter, contact one of the lawyers at Nelson Personal Injury. All consultations are free.

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                  [post_author] => 3
                  [post_date] => 2021-11-16 21:34:42
                  [year] => 2021
                  [month] => 11
                  [post_type] => post
              )
      
          [44] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1690
                  [post_name] => how-to-obtain-proper-compensation-for-a-slip-and-fall-injury
                  [post_title] => How to Obtain Proper Compensation for a Slip and Fall Injury
                  [post_author] => 3
                  [post_date] => 2021-10-20 15:06:06
                  [year] => 2021
                  [month] => 10
                  [post_type] => post
              )
      
          [45] => stdClass Object
              (
                  [slug] => slip-and-fall
                  [ID] => 1686
                  [post_name] => do-i-need-a-lawyer-for-my-slip-and-fall-case
                  [post_title] => Do I Need a Lawyer for My Slip and Fall Case?
                  [post_author] => 3
                  [post_date] => 2021-09-14 21:19:07
                  [year] => 2021
                  [month] => 9
                  [post_type] => post
              )
      
          [46] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1678
                  [post_name] => how-truck-accidents-differ-from-car-accidents
                  [post_title] => How Truck Accidents Differ from Car Accidents
                  [post_author] => 3
                  [post_date] => 2021-07-28 16:17:16
                  [year] => 2021
                  [month] => 7
                  [post_type] => post
              )
      
          [47] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1670
                  [post_name] => how-minnesotas-no-fault-insurance-system-works
                  [post_title] => How Minnesota’s No-Fault Insurance System Works
                  [post_author] => 3
                  [post_date] => 2021-07-19 16:21:50
                  [year] => 2021
                  [month] => 7
                  [post_type] => post
              )
      
          [48] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1663
                  [post_name] => what-to-do-if-you-are-the-victim-of-a-hit-and-run
                  [post_title] => What To Do If You Are the Victim of a Hit-and-Run
                  [post_author] => 3
                  [post_date] => 2021-06-29 14:09:06
                  [year] => 2021
                  [month] => 6
                  [post_type] => post
              )
      
          [49] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1657
                  [post_name] => 5-common-questions-crash-victims-have-for-car-accident-attorneys
                  [post_title] => 5 Common Questions Crash Victims Have for Car Accident Attorneys
                  [post_author] => 3
                  [post_date] => 2021-06-07 17:35:01
                  [year] => 2021
                  [month] => 6
                  [post_type] => post
              )
      
          [50] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1652
                  [post_name] => 6-steps-in-a-personal-injury-case
                  [post_title] => 6 Steps In a Personal Injury Case
                  [post_author] => 3
                  [post_date] => 2021-05-25 15:53:03
                  [year] => 2021
                  [month] => 5
                  [post_type] => post
              )
      
          [51] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1647
                  [post_name] => 3-steps-to-take-if-youve-been-injured-as-a-pedestrian
                  [post_title] => 3 Steps to Take If You’ve Been Injured as a Pedestrian
                  [post_author] => 3
                  [post_date] => 2021-05-05 15:01:47
                  [year] => 2021
                  [month] => 5
                  [post_type] => post
              )
      
          [52] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1644
                  [post_name] => what-if-the-person-who-caused-the-accident-has-no-insurance
                  [post_title] => What If the Person Who Caused the Accident Has No Insurance?
                  [post_author] => 3
                  [post_date] => 2021-04-07 15:18:17
                  [year] => 2021
                  [month] => 4
                  [post_type] => post
              )
      
          [53] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1640
                  [post_name] => what-is-a-no-fault-arbitration
                  [post_title] => What Is A No-Fault Arbitration?
                  [post_author] => 3
                  [post_date] => 2021-03-22 15:32:31
                  [year] => 2021
                  [month] => 3
                  [post_type] => post
              )
      
          [54] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1636
                  [post_name] => the-importance-of-taking-photographs-after-a-slip-and-fall
                  [post_title] => The Importance of Taking Photographs After a Slip and Fall
                  [post_author] => 3
                  [post_date] => 2021-03-03 17:18:28
                  [year] => 2021
                  [month] => 3
                  [post_type] => post
              )
      
          [55] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1561
                  [post_name] => 10-things-to-keep-in-your-car-for-winter-safety
                  [post_title] => 10 Things to Keep In Your Car for Winter Safety
                  [post_author] => 3
                  [post_date] => 2021-02-10 16:30:04
                  [year] => 2021
                  [month] => 2
                  [post_type] => post
              )
      
          [56] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1558
                  [post_name] => 4-steps-to-take-if-youre-in-a-motor-vehicle-accident
                  [post_title] => 4 Steps to Take if You're in a Motor Vehicle Accident
                  [post_author] => 3
                  [post_date] => 2021-02-03 16:52:18
                  [year] => 2021
                  [month] => 2
                  [post_type] => post
              )
      
          [57] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1552
                  [post_name] => 1552-2
                  [post_title] => A Variety Of Personal Injury Claim Services
                  [post_author] => 3
                  [post_date] => 2021-01-06 22:27:45
                  [year] => 2021
                  [month] => 1
                  [post_type] => post
              )
      
          [58] => stdClass Object
              (
                  [slug] => slip-and-fall
                  [ID] => 1548
                  [post_name] => what-to-look-for-in-winter-slip-and-fall-cases
                  [post_title] => What To Look For In Winter Slip And Fall Cases
                  [post_author] => 3
                  [post_date] => 2020-12-21 22:35:53
                  [year] => 2020
                  [month] => 12
                  [post_type] => post
              )
      
          [59] => stdClass Object
              (
                  [slug] => car-accidents
                  [ID] => 1545
                  [post_name] => winter-checklist-for-your-car
                  [post_title] => Winter Checklist For Your Car
                  [post_author] => 3
                  [post_date] => 2020-12-09 16:51:55
                  [year] => 2020
                  [month] => 12
                  [post_type] => post
              )
      
          [60] => stdClass Object
              (
                  [slug] => motorcycle-accidents
                  [ID] => 1540
                  [post_name] => motorcycle-safety-on-roadways
                  [post_title] => Motorcycle Safety On Roadways
                  [post_author] => 3
                  [post_date] => 2020-11-13 19:17:25
                  [year] => 2020
                  [month] => 11
                  [post_type] => post
              )
      
          [61] => stdClass Object
              (
                  [slug] => car-accidents
                  [ID] => 1537
                  [post_name] => truck-accident-personal-injury-claim-services
                  [post_title] => Truck Accident Personal Injury Claim Services
                  [post_author] => 3
                  [post_date] => 2020-10-26 19:30:09
                  [year] => 2020
                  [month] => 10
                  [post_type] => post
              )
      
          [62] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1534
                  [post_name] => motorcycle-accident-personal-injury-claim-services
                  [post_title] => Motorcycle Accident Personal Injury Claim Services
                  [post_author] => 3
                  [post_date] => 2020-10-09 17:59:20
                  [year] => 2020
                  [month] => 10
                  [post_type] => post
              )
      
          [63] => stdClass Object
              (
                  [slug] => wrongful-death
                  [ID] => 1531
                  [post_name] => wrongful-death-claim-services
                  [post_title] => Wrongful Death Claim Services
                  [post_author] => 3
                  [post_date] => 2020-09-30 21:34:05
                  [year] => 2020
                  [month] => 9
                  [post_type] => post
              )
      
          [64] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1529
                  [post_name] => how-quarantine-affects-your-commute
                  [post_title] => How Quarantine Affects Your Commute
                  [post_author] => 3
                  [post_date] => 2020-09-25 19:41:46
                  [year] => 2020
                  [month] => 9
                  [post_type] => post
              )
      
          [65] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1525
                  [post_name] => who-is-liable-in-a-boating-accident
                  [post_title] => Who Is Liable In A Boating Accident?
                  [post_author] => 3
                  [post_date] => 2020-08-27 14:05:38
                  [year] => 2020
                  [month] => 8
                  [post_type] => post
              )
      
          [66] => stdClass Object
              (
                  [slug] => dog-bite
                  [ID] => 1522
                  [post_name] => what-to-do-after-a-dog-bite
                  [post_title] => What To Do After A Dog Bite
                  [post_author] => 3
                  [post_date] => 2020-08-11 21:16:25
                  [year] => 2020
                  [month] => 8
                  [post_type] => post
              )
      
          [67] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1517
                  [post_name] => do-have-slip-fall-case
                  [post_title] => Do I Have A Slip And Fall Case?
                  [post_author] => 3
                  [post_date] => 2020-06-23 19:22:41
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [68] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1513
                  [post_name] => 4-steps-to-start-a-defective-product-personal-injury-claim
                  [post_title] => 4 Steps To Start A Defective Product Personal Injury Claim
                  [post_author] => 3
                  [post_date] => 2020-06-23 19:02:13
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [69] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1515
                  [post_name] => 2018-accidents-and-injuries-in-minnesota
                  [post_title] => 2018 Accidents And Injuries In Minnesota
                  [post_author] => 3
                  [post_date] => 2020-06-23 19:01:53
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [70] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1509
                  [post_name] => 10-habits-of-safe-drivers
                  [post_title] => 10 Habits Of Safe Drivers
                  [post_author] => 3
                  [post_date] => 2020-06-10 14:17:08
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [71] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1500
                  [post_name] => minnesota-motor-accidents-10-year-snaphot
                  [post_title] => Minnesota Motor Accidents 10 Year Snaphot
                  [post_author] => 3
                  [post_date] => 2020-05-20 13:32:18
                  [year] => 2020
                  [month] => 5
                  [post_type] => post
              )
      
          [72] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1497
                  [post_name] => how-much-is-my-personal-injury-claim-worth
                  [post_title] => How Much Is My Personal Injury Claim Worth?
                  [post_author] => 3
                  [post_date] => 2020-05-06 19:18:34
                  [year] => 2020
                  [month] => 5
                  [post_type] => post
              )
      
          [73] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1481
                  [post_name] => accidents-by-vehicle-2018
                  [post_title] => Accidents By Vehicle 2018
                  [post_author] => 3
                  [post_date] => 2020-04-23 18:53:46
                  [year] => 2020
                  [month] => 4
                  [post_type] => post
              )
      
          [74] => stdClass Object
              (
                  [slug] => dog-animal-bites
                  [ID] => 1478
                  [post_name] => whos-responsible-for-a-dog-bite
                  [post_title] => Who's Responsible for a Dog Bite?
                  [post_author] => 3
                  [post_date] => 2020-04-09 15:36:17
                  [year] => 2020
                  [month] => 4
                  [post_type] => post
              )
      
          [75] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1475
                  [post_name] => how-do-no-fault-claims-work
                  [post_title] => How Do No-Fault Claims Work?
                  [post_author] => 3
                  [post_date] => 2020-03-19 13:24:29
                  [year] => 2020
                  [month] => 3
                  [post_type] => post
              )
      
          [76] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1472
                  [post_name] => personal-injury-101
                  [post_title] => Personal Injury 101
                  [post_author] => 3
                  [post_date] => 2020-03-06 17:19:07
                  [year] => 2020
                  [month] => 3
                  [post_type] => post
              )
      
          [77] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1461
                  [post_name] => halloween-safety-tips
                  [post_title] => Halloween Safety Tips
                  [post_author] => 3
                  [post_date] => 2019-10-28 13:21:57
                  [year] => 2019
                  [month] => 10
                  [post_type] => post
              )
      
          [78] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1459
                  [post_name] => u-s-pedestrian-death-rates-reach-30-year-high
                  [post_title] => U.S. Pedestrian Death Rates Reach 30-Year High
                  [post_author] => 3
                  [post_date] => 2019-10-02 13:29:43
                  [year] => 2019
                  [month] => 10
                  [post_type] => post
              )
      
          [79] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1458
                  [post_name] => bicycle-safety
                  [post_title] => Bicycle Safety
                  [post_author] => 3
                  [post_date] => 2019-09-18 13:18:44
                  [year] => 2019
                  [month] => 9
                  [post_type] => post
              )
      
          [80] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1452
                  [post_name] => minnesota-crackdown-on-speeding
                  [post_title] => Minnesota Crackdown on Speeding
                  [post_author] => 3
                  [post_date] => 2019-08-28 13:14:34
                  [year] => 2019
                  [month] => 8
                  [post_type] => post
              )
      
          [81] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1450
                  [post_name] => car-crash-in-construction-zones
                  [post_title] => Car Crash in Construction Zones
                  [post_author] => 3
                  [post_date] => 2019-08-14 13:04:09
                  [year] => 2019
                  [month] => 8
                  [post_type] => post
              )
      
          [82] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1448
                  [post_name] => preventing-injuries-to-children-in-car-accidents
                  [post_title] => Preventing Injuries to Children in Car Accidents
                  [post_author] => 3
                  [post_date] => 2019-07-31 13:16:23
                  [year] => 2019
                  [month] => 7
                  [post_type] => post
              )
      
          [83] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1445
                  [post_name] => dog-bite-prevention
                  [post_title] => Dog Bite Prevention
                  [post_author] => 3
                  [post_date] => 2019-07-17 13:19:34
                  [year] => 2019
                  [month] => 7
                  [post_type] => post
              )
      
          [84] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1443
                  [post_name] => driving-safely-with-sunlight-glare
                  [post_title] => Driving Safely with Sunlight Glare
                  [post_author] => 3
                  [post_date] => 2019-06-19 13:03:20
                  [year] => 2019
                  [month] => 6
                  [post_type] => post
              )
      
          [85] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1440
                  [post_name] => new-protections-against-minnesota-elder-abuse-and-neglect-expected
                  [post_title] => New Protections Against Minnesota Elder Abuse and Neglect Expected
                  [post_author] => 3
                  [post_date] => 2019-05-22 13:53:11
                  [year] => 2019
                  [month] => 5
                  [post_type] => post
              )
      
          [86] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1434
                  [post_name] => what-steps-to-take-after-a-slip-and-fall-accident
                  [post_title] => What Steps To Take After a Slip and Fall Accident
                  [post_author] => 3
                  [post_date] => 2019-04-22 13:51:13
                  [year] => 2019
                  [month] => 4
                  [post_type] => post
              )
      
          [87] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1431
                  [post_name] => what-to-do-if-you-witness-a-car-accident
                  [post_title] => What to Do if you Witness a Car Accident
                  [post_author] => 3
                  [post_date] => 2019-04-08 14:08:04
                  [year] => 2019
                  [month] => 4
                  [post_type] => post
              )
      
          [88] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1423
                  [post_name] => what-steps-should-you-take-after-an-accident-or-injury
                  [post_title] => What Steps Should You Take After an Accident or Injury?
                  [post_author] => 3
                  [post_date] => 2019-02-06 15:30:51
                  [year] => 2019
                  [month] => 2
                  [post_type] => post
              )
      
          [89] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1419
                  [post_name] => spinal-cord-stimulators-causing-injuries
                  [post_title] => Spinal Cord Stimulators Causing Injuries
                  [post_author] => 3
                  [post_date] => 2019-01-02 14:15:40
                  [year] => 2019
                  [month] => 1
                  [post_type] => post
              )
      
          [90] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1388
                  [post_name] => avoid-black-friday-injuries
                  [post_title] => Avoid Black Friday Injuries
                  [post_author] => 3
                  [post_date] => 2018-11-19 13:49:27
                  [year] => 2018
                  [month] => 11
                  [post_type] => post
              )
      
          [91] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1385
                  [post_name] => class-action-lawsuit-against-e-scooter-companies
                  [post_title] => Class Action Lawsuit Against E-Scooter Companies
                  [post_author] => 3
                  [post_date] => 2018-11-02 20:40:51
                  [year] => 2018
                  [month] => 11
                  [post_type] => post
              )
      
          [92] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1325
                  [post_name] => injured-motorcyclist-files-suit-against-government-for-1-7-million
                  [post_title] => Injured Motorcyclist Files Suit Against Government for $1.7 Million
                  [post_author] => 3
                  [post_date] => 2018-09-26 16:38:57
                  [year] => 2018
                  [month] => 9
                  [post_type] => post
              )
      
          [93] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1228
                  [post_name] => what-you-need-to-know-about-medical-malpractice
                  [post_title] => What you need to know about Medical Malpractice
                  [post_author] => 3
                  [post_date] => 2018-08-29 13:31:08
                  [year] => 2018
                  [month] => 8
                  [post_type] => post
              )
      
          [94] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1120
                  [post_name] => tips-to-help-prevent-motorcycle-accidents
                  [post_title] => Tips to Help Prevent Motorcycle Accidents
                  [post_author] => 3
                  [post_date] => 2018-08-15 16:14:15
                  [year] => 2018
                  [month] => 8
                  [post_type] => post
              )
      
          [95] => stdClass Object
              (
                  [slug] => twin-cities
                  [ID] => 1117
                  [post_name] => wrongful-drowning-deaths-due-to-foam-at-falls-park-in-sioux-falls
                  [post_title] => Wrongful Drowning Deaths Due to Foam at Falls Park in Sioux Falls
                  [post_author] => 3
                  [post_date] => 2018-08-01 18:02:42
                  [year] => 2018
                  [month] => 8
                  [post_type] => post
              )
      
          [96] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1113
                  [post_name] => wrongful-death-in-minnesota
                  [post_title] => Wrongful Death in Minnesota
                  [post_author] => 3
                  [post_date] => 2018-07-25 17:33:39
                  [year] => 2018
                  [month] => 7
                  [post_type] => post
              )
      
          [97] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1099
                  [post_name] => slip-and-fall-in-minnesota
                  [post_title] => Slip and Fall in Minnesota
                  [post_author] => 3
                  [post_date] => 2018-07-11 16:57:08
                  [year] => 2018
                  [month] => 7
                  [post_type] => post
              )
      
          [98] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1096
                  [post_name] => fathers-day-traffic-collisions
                  [post_title] => Father’s Day Traffic Collisions
                  [post_author] => 3
                  [post_date] => 2018-06-22 13:56:25
                  [year] => 2018
                  [month] => 6
                  [post_type] => post
              )
      
          [99] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1072
                  [post_name] => personal-injury-101-basics-pi-lawsuits-minnesota
                  [post_title] => Personal Injury 101: Basics of Personal Injury Lawsuits in Minnesota
                  [post_author] => 3
                  [post_date] => 2018-04-18 12:37:56
                  [year] => 2018
                  [month] => 4
                  [post_type] => post
              )
      
          [100] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1070
                  [post_name] => common-vehicular-injuries
                  [post_title] => Common Vehicular Injuries
                  [post_author] => 3
                  [post_date] => 2018-04-11 12:08:57
                  [year] => 2018
                  [month] => 4
                  [post_type] => post
              )
      
          [101] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1065
                  [post_name] => lawyer-specialty-certification-makes-difference
                  [post_title] => Why Lawyer Specialty Certification Makes a Difference
                  [post_author] => 3
                  [post_date] => 2018-04-04 14:37:26
                  [year] => 2018
                  [month] => 4
                  [post_type] => post
              )
      
          [102] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1031
                  [post_name] => safest-car-models
                  [post_title] => Safest Car Models
                  [post_author] => 3
                  [post_date] => 2017-12-20 14:48:09
                  [year] => 2017
                  [month] => 12
                  [post_type] => post
              )
      
          [103] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1028
                  [post_name] => 1028-2
                  [post_title] => When No-Fault Coverage is Applicable
                  [post_author] => 3
                  [post_date] => 2017-12-13 16:27:39
                  [year] => 2017
                  [month] => 12
                  [post_type] => post
              )
      
          [104] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1025
                  [post_name] => winter-essentials-car
                  [post_title] => Winter Essentials For Your Car
                  [post_author] => 3
                  [post_date] => 2017-12-06 16:43:58
                  [year] => 2017
                  [month] => 12
                  [post_type] => post
              )
      
          [105] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1020
                  [post_name] => medical-mix-happens-medical-malpractice
                  [post_title] => A Medical Mix-Up: What Happens With Medical Malpractice
                  [post_author] => 3
                  [post_date] => 2017-11-22 14:43:32
                  [year] => 2017
                  [month] => 11
                  [post_type] => post
              )
      
          [106] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1017
                  [post_name] => winter-driving-safety-guide
                  [post_title] => Winter Driving Safety Guide
                  [post_author] => 3
                  [post_date] => 2017-11-20 16:01:04
                  [year] => 2017
                  [month] => 11
                  [post_type] => post
              )
      
          [107] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1008
                  [post_name] => bites-animal-lashes
                  [post_title] => What to Do When an Animal Bites
                  [post_author] => 3
                  [post_date] => 2017-11-08 20:44:34
                  [year] => 2017
                  [month] => 11
                  [post_type] => post
              )
      
          [108] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1013
                  [post_name] => nice-trip-see-next-fall-2
                  [post_title] => Have a Nice Trip, See You Next Fall!
                  [post_author] => 3
                  [post_date] => 2017-10-30 15:01:33
                  [year] => 2017
                  [month] => 10
                  [post_type] => post
              )
      
          [109] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1011
                  [post_name] => tesla-decrease-car-accidents
                  [post_title] => Could Tesla Decrease Car Accidents?
                  [post_author] => 3
                  [post_date] => 2017-10-18 19:28:23
                  [year] => 2017
                  [month] => 10
                  [post_type] => post
              )
      
          [110] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 979
                  [post_name] => liability-medical-payment-coverage-homeowners-insurance
                  [post_title] => LIABILITY AND MEDICAL PAYMENT COVERAGE IN HOMEOWNER’S INSURANCE
                  [post_author] => 3
                  [post_date] => 2017-05-01 14:27:54
                  [year] => 2017
                  [month] => 5
                  [post_type] => post
              )
      
          [111] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 970
                  [post_name] => hidden-surprise-auto-policy
                  [post_title] => IS THERE A HIDDEN SURPRISE IN YOUR AUTOMOBILE INSURANCE POLICY?
                  [post_author] => 3
                  [post_date] => 2017-03-30 15:18:09
                  [year] => 2017
                  [month] => 3
                  [post_type] => post
              )
      
          [112] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 936
                  [post_name] => umbrella-insurance-buy-insurance-umbrella
                  [post_title] => Umbrella Insurance - Why Would I Buy Insurance For My Umbrella?
                  [post_author] => 3
                  [post_date] => 2017-02-15 15:48:05
                  [year] => 2017
                  [month] => 2
                  [post_type] => post
              )
      
          [113] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 798
                  [post_name] => sometimes-intentions-important-actions
                  [post_title] => SOMETIMES INTENTIONS ARE MORE IMPORTANT THAN ACTIONS.
                  [post_author] => 3
                  [post_date] => 2014-10-02 15:13:12
                  [year] => 2014
                  [month] => 10
                  [post_type] => post
              )
      
      )
      
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