February • 2018www.ChuckPhilips.com

Law Office ofCharles S. Philips

Personal Injury w Wrongful Death w Medical Malpractice w Insurance Law

Friends of the FirmRaffle Drawing

In this issue:Friends of the Firm Raffle Drawing

From the Desk of Chuck Philips - Who Does the Insurance Company Consider an Insured in My Household?

Community Spotlight - Clothes to Kids

Do You Know What To Do If You Are In An Accident?

Chuck and Diane in New York City in December

PMSProcess Black 100Red = PMS 1815Yellow = PMS 123

CMYKProcess Black 100Red = C 13 M 96 Y 81 K 54Yellow = C 0 M 21 Y 88 K 0

In appreciation for your business and referrals, we will be conducting a raffle for a chance for 2 winners to win 2 tickets each to:

atSpring Training

Spectrum FieldMarch 4, 2018

1:05pm

Entries must be received by Monday, February 26, 2018 via our website,

www.ChuckPhilips.com and the drawing will be held on Tuesday, February 27, 2018.

The winners may pick up their tickets at our office during normal business hours.

*1 entry per person please

Charles S Philips • www.chuckphilips.com • (727) 494-2008

Clothes to Kids’ mission is to provide new and quality used clothing to low-income or in crisis school-age children, free of charge.

To donate or learn about volunteer opportunities, please visit:

www.clothestokids.org

Community Charity Spotlight

From the Desk of Chuck Philips

Be safe out there!

The simple answer is anyone of driving age who’s living in your home for more than 30 days.

• Husband owns his own vehicle, has his own insurance.• Daughter comes back from college. Attending grad school. Owns her own vehicle. Has her own insurance.• Aunt Betty comes to stay for the winter to help you with your small children while you go to work. She does not

own a vehicle.• Mom has a stroke, needs in home rehab, moves in with you for 6 months while receiving care. Does not own a

vehicle.• Your brother is going through a bad divorce. Soon to be ex wife is in their home. He moves in with you until he

can get back on his feet. He owns a vehicle and has insurance. All these are examples of relatives living in your household who are considered to be insureds by the insurance company. Whether they have a vehicle or not does not matter when it comes to your insurance policy and whom your insurance company considers to be a potential insured/risk under that policy. Any one of these persons could be a passenger in your vehicle, or borrow your vehicle, and thus could expose the insurance company to a claim in the future. Consequently, you have an absolute duty under your policy to notify your agent of these persons living in your household, otherwise your company could deny you coverage in the future even if these persons were not in the car at the time you suffered a claim. Additionally, recently we have been seeing applications for insurance in which they ask for anyone of driving age living in the household. Therefore, it is our advice that you list anyone of driving age regardless if they are a relative or not so that the insurance company does not deem your failure to disclose that person as a material misrepresentation under the policy, and thus deny coverage on that basis. Furthermore, we have been seeing some insurance applications where the company asks for a listing of all people living in the household. It is our recommendation to list everyone in this circumstance regardless of their age and whether they are eligible to drive, or not. The best rule of thumb is full disclosure to your insurance agent, even though it might cost you more money in premiums, it will protect you under your policy when a future claim needs to be made.

Who Does the Insurance Company Consider an Insured in My Household?

- Chuck

February • 2018

Charles S Philips • www.chuckphilips.com • (727) 494-2008

- ChuckBBQ Glazed Homemade Meatballs

1 1/2 lbs. ground beef1 egg, slightly beaten1 cup cooking oats6 1/2 oz. evaporated milk1 tsp. salt

1/4 tsp. pepper1/2 tsp. garlic powder1 tbsp. chili powder 1/2 cup chopped onion1 cup ketchup

1/4 tsp. minced garlic1 cup brown sugar 1/4 cup chopped onion1 tbsp. liquid smoke flavoring

Preheat oven to 350°F. Lightly grease a medium baking dish. In a bowl, combine beef, egg, oats,

evaporated milk, salt, pepper, garlic powder, chili powder, and 1/2 cup onion. Form into 1 1/2 inch balls

and arrange in a single layer in the baking dish. In a separate bowl, mix ketchup, garlic, sugar, 1/4 cup

onion, and liquid smoke. Pour evenly over the meatballs. Bake uncovered for 1 hour until the minimum

internal temperature of a meatball reached 160°F.

allrecipes.com

Excellent on a hard roll, but they are so good, you don’t need the bread!

• CALL 911 if someone is injured• Call 911 to report the accident• Gather information at the scene• Take photographs• Document the facts

• Seek medical attention immediately. A delay in getting treatment could affect your recovery and your insurance benefits

• Do not talk with the other person’s insurance company until you have consulted a lawyer

With 29 years of legal experience, Charles S. “Chuck” Philips brings the unique knowledge to his clients of having worked on behalf of insurance companies. Chuck is a former insurance defense attorney who defended insurance companies against personal injury claims. Chuck has the skills and experience to resolve your case effectively.

Cal l our o f f i ce to get your f ree Glove Box Acc ident Guide

If you know someone who needs our help after an accident, we have five convenient locations throughout

Tampa Bay where appointments can be scheduled by calling

(727) 494-2008

PascoNPR

(Main Office)

PinellasBelleair

HillsboroughTampa

HernandoSpring Hill

Where to f ind us :

Our firm has been able to assist many of your

referrals

T h a n k y o u !

We greatlyappreciate them!

CitrusInverness

Do You Know What To Do If You Are In An Accident?

If You Are Injured

9400 River Crossing Blvd., Suite 103New Port Richey, Florida 34655(727) 494-2008injurylaw@chuckphilips.com

www.ChuckPhilips.com

Chuck and DianeVisit New York City

We sincerely hope you enjoy this publication. It is provided for informational purposes only and is not intendedto provide legal advice. You are invited to discuss any legal questions with Mr. Philips by scheduling a no cost or

obligation consultation.