I just started working on an auto collision case, and it made me think about levels of automobile insurance.

PROTECT YOUR FAMILY FROM FINANCIAL DISASTER FOR INJURIES YOU CAUSE - If you have assets (like a house), you need a high level of auto insurance (250-500k) and likely an umbrella policy (2+m). This protects you if you hurt someone else. It also saves you from knowing you hurt someone and destroyed their life - yucko.

PROTECT YOUR FAMILY FROM FINANCIAL DISASTER FOR INJURIES OTHERS CAUSE - Regardless of assets, if you do not have health insurance, you need to purchase MedPay on your own auto policy - the more, the better. This pays for your medicals while the case is being settled - it makes sure doctors will treat your injuries.

Get good uninsured and under-insured protection too. This will cover you if the at-fault driver cannot cover your full injury. It should be at least 100k.

WHY? Lots of folks have low levels of auto insurance (like 50k). If you get hurt, they will pay their max and leave you still needing treatment with no money to pay for it. These bills can get over 50k quickly. Make sure you are covered.

Fortunately for my client, she was hit by a commercial driver with a good policy and assets. If she was hit by an average low policy driver, she would be in a bad way.

I first learned something about Scotch from the Johnny Walker promotional event in Washington DC while in law school - thanks, Sean Kennedy.  Cardhu is a single malt that they use to make the JW blends.  I quickly found that I liked the single malts better than the blends.

Last night, talking with Randy Kelly (great Denver plaintiffs lawyer), I distilled (yeah, I said it) what I think about singles versus blends this way:

If there are 100 different single malt flavors of scotch, each one appealing to a fairly distinct pallet, then the blends cover several to get more customers.  Me, I prefer my specific single malts.  I enjoy finding flavors within one.  I tend to find the blends lose the specificity I like.

Either way, drink out of a good glass that shoots the volatiles into your nose so that you get all the tannins and flavor.  Not discussing law today - see you next week.

Lately, I have heard about people being arrested for marijuana possession and paraphernalia possession in Colorado.

On January 1, 2013, amendment 64 became law allowing for recreational possession and use of marijuana, including possession and use of paraphernalia to use marijuana for people over the age of 21 years.

Police do not seem to be following the law.  I am not sure why, but I suspect it is because they do not like the law.  If prosecutors were doing their job, they would immediately dismiss these charges and contact the officer to explain the law.  It is not happening.  People get to court and the prosecutor tries to get them to plead guilty to something or take a class.  

This is wrong.  I and other attorneys are exploring civil rights actions against the police officers.  Colorado NORML (I am a board member) is a good place to look for help.  NORML is a good organization to join to help stop this illegal action by police and prosecution.