The Covid-19 outbreak, caused by the novel coronavirus, is something we never faced before. In the US alone, there are over 300 thousand confirmed cases. People are advised to isolate, keep the social distancing measures and to work from home if possible.
In order to keep their homes safe too, many people rely on the information and guidelines released by the CDC on how exactly to use EPA-registered disinfectant products. These products are sued to safeguard your homes from the contagious outbreak.
If you want to learn which disinfectant products have been approved by EPA, visit their official website here.
Since disinfectant are strong chemicals, they need to be handled properly
Disinfectant products are efficient in killing germs, but they can be pretty hazardous to people’s health and that’s why they need to be handled with care. This is by no means an attempt to discourage people to use these products during the Covid-19 outbreak, but consumers should make sure that they handle disinfectants properly and with caution.
The majority of disinfectant products contain ethanol, formaldehyde, chlorine or ammonia. There chemicals can seriously harm humans or their pets if they touch them, if they are ingested or inhaled. Some of them might even be flammable or corrosive.
In order to minimize the exposure to these harmful effects, consumers can follow tips from HSH (U.S. Department of Health and Human Services). What you need to focus on?
Labels – make sure that you read the label carefully before using the product. Only use it in the manner how it is described and in ways that it was intended
Packaging – cleaning products should be kept in their original packaging. Don’t transfer them in other alternative containers like bottles, jars etc.
Mixing – Under NO circumstance should you attempt to mix disinfectant products.
Inhaling – You should NEVER attempt to inhale or sniff containers in order to determine what’s inside. By doing so, you might cause injuries to yourself.
Air circulation – When using chemicals, make sure that your windows are open and your house fans are turned on. This will help air circulation and will clear your home of any residual chemicals left in the air.
Kids – You should ALWAYS keep dangerous chemicals away from your kids. Put them somewhere on a tall shelf where they can be out of their sight and reach.
Protective gear – When handling disinfectant chemicals, make sure that you’re wearing protective gear (gloves).
These disinfectant products are the most effective way in our fight against Covid-19. But we need to keep certain safety measures when we handle these chemicals and disinfect our homes.
When it comes to personal injury claims, they all require you to have an experienced attorney who is well familiar with the process and knows the differences from cases involving auto accidents, nursing home abuse or neglect. But what are the main burning questions when it comes to personal injury law?
Is your personal injury claim valid?
If you want to pursue a successful personal injury claim, you need to be able to prove that your injuries are caused by someone else’s negligence. Extensive medical treatments are usually part of every personal injury case. However, not all personal injury claims have physical injuries. Some have non-physical harms or losses. A good example is if someone attacks your professional reputation or invade your privacy. These can all be good grounds for a personal injury claim.
How soon can you file a lawsuit?
This depends from one state to another. To be more precise, on the states ‘statute of limitations’. This statute basically determines how much time you have to file a personal injury claim. Of course the statute of limitation differs from case to case. Some states have a statute of limitation of 4 years for a personal injury lawsuit, but for medical malpractice this statute is only two years.
The best thing you can do is to pursue the lawsuit as soon as possible after your injury. This is because preservation of evidence is very important in these cases. Furthermore, a standard procedure involved in a personal injury case is investigation done by your personal injury attorney, which can take some time.
What is negligence exactly?
Negligence concerns actions taken in a specific situation by a ‘reasonable person’. For example, you would expect a truck driver (or basically any driver) to obey the traffic rules and to drive at full attention in order to avoid putting themselves and others at risk. In the event that they cause a car accident because they didn’t pay enough attention while driving, they can be liable for the accident.
So basically, someone is negligent if he/she fails to act in a way an ‘ordinary reasonable person would’ in a specific situation. Personal injury cases are generally found on negligence.
Will the person at fault be punished?
Personal injury cases are NOT criminal actions. They are civil actions. Jail terms cannot be sentenced to defendants in personal injury cases. The same goes for criminal fines. This is because there was no real malicious intent that caused the injury. The cause of the injury is negligence.
Nonetheless, in some rare cases, there can be punitive damages. Punitive damages have a goal to punish the defendants that were reckless OR didn’t act in the best interest of the public. The end result of punitive damages is to discourage defendants to behave in such way.
If you think that you have a valid personal injury case, because someone else’s negligence caused you harm, contact us today and let’s review your case together!
When someone gets injured due to someone else’s negligence, they assume that they are entitled to receive compensations for the medical bills. And they are right. However, that’s not the only damage available to you.
Sometimes, injuries will prevent you from working so naturally, you can pursue that your lost income be compensated as well. You will be able to get more information from your personal injury lawyer. He/she will provide more details on how to determine lost wages and what is the reasonable amount you should expect in a fair settlement. But before you speak to a personal injury lawyer, here are some tips on how you can calculate the approximate lost wages.
The calculation process starts with you collecting documents that will serve as proof to your claim and support the claim that your injuries are preventing you from working. The most common documents include:
- Tax returns
- Paycheck stubs or paycheck forms
- Settlement sheet for three years prior and every pay period since the accident (if you’re a trucking owner or operator)
- Business records or documents (even CPA letters) if you’re a business owner
- Other documents depending on your unique circumstanced
In order to document that you need to take time off from work, you need to ask your doctor to issue a statement that will describe in detail, how much time you have to take off from work until you are fully recovered from your injuries. This is important as it will act as medical support to justify your absence from work. Your personal injury lawyer can help you secure this information through various reports or depositions.
In addition to all these documents stated above, you should also ask your employer to give you copies of your most recent checks or pay stubs. This will show how much did you earn before you got injured. And as the final document, you need to ask your employer to write you a statement that will confirm the information about your employment.
Calculating your lost wages
Calculating your lost wages, mainly depends on how you’re paid. It will be different if you’re paid by the hour, you receive a salary or you’re paid by some other basis.
When you’re paid by the hour, you will multiple your hourly wage with the total number of hours you missed because of your injuries.
So for example, if you’re paid $20 per hour and you work 8 hours a day and you missed 22 days of work, your lost wages will be:
20 x (8 x 22) = $3,520
In other cases, where you’re paid on a salary basis, the calculation is a bit different. Your annual salary gets divided by 2,080 (the number of working hours in a year). Then you will take that number and multiply it with the number of working hours in a day (so 8) and with the number of days you didn’t work because of your injury (let’s keep it 22 as before). If we assume that your annual salary is $50,000 the calculation will look like this:
$50,000 / 2,080 = 24.04
24.04 x (8 x 22) = $4,231 in lost wages
Of course, lost wages aren’t the only income that you can recover. If you receive other forms of income such as regular overtime, commissions, bonuses etc. these can be recovered too. Your personal injury lawyer will ask you about those as well and he/she will provide more information.
Lost income of Self-employed people
Let’s assume that you’re a self-employed person, maybe a web designer working from home. Even through you’re technically not employed by anyone, you can still claim your lost income. What’s different in this scenario is that your lost income consists of your earning AND profit that you would make if you weren’t injured. In this case, you have to gather documents and records that will prove the earning that you expected from the day you were in an accident until the date of judgement or settlement. Useful documents are: 1099 forms, invoices you issue to your clients / customers, records from your bookkeeper or accountant, receipt, communication between you and your clients/customers and so on.
Other income losses
Aside from your past income that you lose because of your injury, you might also be entitled to claim certain future income losses and your lost earning capacity. This will require your personal injury lawyer to work with an economist or vocational expert to establish your lost opportunities in the labor market.
Even through determining lost wages might seem like a pretty straightforward process, it can be rather difficult and complicated in some cases. That’s why you should work with a personal injury who is well informed about this and who can really help you. You can of course do some calculations on your own, but it’s best to let the attorney do the real math and negotiate on your behalf.
In our previous blog posts we’ve summarized that car accident are life-changing events that can occur out of nowhere. One moment driving down the motor way listening to the radio, and in the next your car is totaled, your body is aching with pain and you’re trying to grasp what has happened.
We also talked about what insurance companies usually do, how they want to deny or minimize your claim payment and what reasons (or tricks) they use to deny your claim. Today we will be focusing on the tips on settling a car accident claim.
Contacting the authorities
If you wish to successfully settle your car accident claim, there are several things you need to do immediately after the accident.
First and foremost, you need to contact the authorities and wait until the police arrives at the scene. Once the police arrive, make sure to tell them exactly what happened and seek medical attention if you need to. You might not feel that you need help from a doctor, but that can be a result of the shock your body went through. So make sure that you get examined by the doctor. Once the effects of the shock settle down, you will feel the effects of the accident. This can take a few hours.
Once the doctor establishes that you’re safe and not injured, take photographs of both damaged vehicles and make sure that the license plates are clearly visible. You should also make notes about the other car e.g. the make, model, color and exchange information with the owner of the other vehicle. Taking photos of the scene and location is also a good idea because this will provide useful information on the weather, traffic signs and even skid marks.
Doing this, you’re starting the car accident settlement the right way. Also, you need to keep in mind that you might not be settling the claim directly with the owner of the other vehicle, but rather with his insurance company.
Consult a Personal Injury Lawyer
Not all accidents will lead to a totaled car. Some will just end up with minor property damage, for which you don’t heel to have an attorney. It’s easy to settle this.
But if the accident caused severe damage to your vehicle and caused significant injuries to you, you should really consider getting help from a skilled and experienced personal injury lawyer. It might help your claim.
Experienced personal injury lawyers are well informed about the process to come and can anticipate the strategies that the other side will implement so he/she can be well prepared.
The goal of the insurance company is to protect the bottom line and their self-interest. They do this by offering you very low settlements and they might even try to dispute the entire claim. But having a good personal injury lawyer in these cases can help you a lot because he/she will be negotiating on your behalf.
Recorded statements and documents
It’s not uncommon practice, that insurance company representatives will contact you as soon as they learn about the accident. The representative might sound reasonable, friendly, polite and helpful but keep in mind one thing…they work for the insurance company, not you. The goal is to minimize the value of the claim. And since many car owners aren’t exactly skilled in these matters, the insurance representatives will even try to use some rather questionable methods to get what they need/want.
One of the things they might use are recorded statements. If you get asked to give a statement, politely decline and tell the insurance representative that you will be speaking with an attorney first. This is your right before giving any statements. You might as well use it.
Another thing that insurance companies also do, is send you documents like a medical authorization or similar. The strongly advise that you DO NOT sign any type of authorization that comes from the at-fault driver’s insurance company. Why? Well because then the insurance company can then dig through your medical history looking for a way to prove that some of your previous injuries were the cause of the accident.
So when settling a car accident claim, it’s imperative that you speak to a personal injury lawyer. He will be negotiating with the insurance company, he will release any medical records and advise you on giving statements.
A car accident can change your life in an instant and it can happen without any warning. As if injuries aren’t enough, but you also might need to navigate the complex and lengthy process of an insurance claim. This can be both stressful and confusing, especially if you know nothing about car insurance claims.
But the question still remains. How do car insurance claims exactly work? Here’s what you need to know about car insurance claims, especially if you were injured in a car accident.
After the car accident that you were involved, you should notify the insurance company right away. In some states you can file the claim with the at-fault driver’s insurance company. And in other states, different rules will apply. For example, did you know that Kansas has a no-fault insurance system? This basically means that if you were in a car accident and you’re not the at-fault driver, you have to file the claim with your own insurance company.
After the accident, in most cases the insurance companies will contact you. Sometimes even while you’re recovering. Once the claim gets filed, the insurance company appoints an adjuster who will evaluate your claim and determine its worth.
You might think that the adjuster is here to work in your favor. Well, he/she isn’t. The adjuster appointed by the insurance company works for the insurance company’s interests. The sole goal of the adjuster is to minimize the amount that the insurance company will pay you for your claim.
Working with the adjuster
It’s often the practice that the insurance adjuster will contact you in order to get more information about the accident. The adjuster might even ask you to give a recorded statement. However, if you haven’t yet spoken to a personal injury lawyer, we strongly recommend that you don’t give a recorded statement to the adjuster or any other representative from the insurance company.
The recorded statement and any other evidence is collected for processing your claim. So when the adjuster asks you to give a statement, just politely decline and let him know that you will be willing to give a statement once you consult your personal injury lawyer. In case you’re still under some stress from the accident or you’re experiencing pain and take medication for it, allow yourself some time to pass before giving a statement. Also, you can rely on your personal injury lawyer to negotiate the process with the insurance provider.
Sometimes, the car accident will only cause property damage and no one will be injured. In cases like that, the insurance claim process is pretty simple. The insurance company will ask you to take your car to the mechanic, who will then assess the damage and provide the estimate to the insurance company. Car accidents that only end in property damage is something that you can handle. So you don’t really need a personal injury lawyer.
Determining who’s at fault
It’s the adjuster’s job to determine who caused the accident and who’s at fault. Sometime, even when the police record clearly state that you’re not at fault, the adjuster will try to dispute it.
Another practice is that insurance companies sometimes want to settle a claim rather quickly. If someone from an insurance company approaches you and makes you an offer, don’t accept it. It’s best to first speak to a personal injury lawyer who can evaluate your claim. Because when insurance companies make you an offer right away, the offer is usually extremely low compared to the realistic value that you should be compensated for (the insurance company is trying to pay out as little as possible).
Once your personal injury lawyer evaluates your claim, you will realize that the offer from before was really low. The lawyer will provide you a range of values and a fair offer from the insurance company should fall within that range.
When you agreed on how much you would request from the insurance, the lawyer will draft a letter, include additional proof and send the new offer to the insurance company. The insurance company can do three things: accept your offer, offer you a lower amount or just deny it.
As you can see, the insurance claim process is not as simple. The entire process can be a complicated maze you need to navigate and that’s why it’s important that you have a good and experienced personal injury lawyer who will support you.
Have you even wondered that paying for insurance is a waste of money?
Well, a lot of people have. Especially those who’s claims the insurance company denies. They have given their hard earned money for years and when they need help from the insurance company, they turn the other cheek.
Not sure if you know, but in the U.S. the insurance industry is one of the largest businesses in the world when it comes to revenue. So how do insurance companies deny claims in order to increase their profit?
1. Making your claim as confusing as possible
When you want to get new insurance, the insurance company is giving you a contract to sign. We all know about these and we read them thoroughly and carefully like the Terms & Conditions of our ne Apple iPhone i.e. we don’t. The insurance companies used so many technical terms in their contracts making them virtually impossible to understand for a common citizen who doesn’t have a Law degree. Things were so bad, that some states have passed the ‘plain English’ rule for consumer contracts.
2. Your credit score
You most likely know that insurance companies determine your premium that you’ll pay based on your credit score. Someone, due to a bad credit score can’t even get insurance because, from the insurance company’s point of view, they are a high liability. This type of discrimination is actually affecting the poor and senior citizens, since they have a little credit and also those that had a financial crisis because of someone else.
Insurance companies have also often refused someone a policy because they have no credit score, even though the person is paying his / her bills on time. On the other hand, some car owners have received a rate that is increased by several times, even though they have a clean and perfect driving record.
3. Delaying insurance claims
It’s not uncommon that insurance companies deliberately take a long time to finalize your claim. They do this because they are aware that many policyholders would rather give up than to wait for the insurance to finalize the claim. And it’s not uncommon that this type of ill practice is present at long-term care insurers who take advantage of the policyholder’s age and poor health.
4. Hanging the sick out to dry
As we know, healthcare in the U.S. can be expensive and that’s why we opt in for health insurance. Because of extremely high healthcare costs, some insurance companies have even provided bonuses for their employees that meet so-called ‘cancellation goals’. These situations involve insurance sales reps that target patients that are in the middle of their treatment(s) and when they are most vulnerable. When the healthcare for these patients becomes too high for the insurance company to cover, they cancel the policy retroactively and basically leaving the policyholder without insurance
5. Call and get your policy cancelled
A lot of people even fear calling their insurance provider and asking about for a claim because often, insurance providers quickly after, suddenly decide to cancel their insurance. If not cancelling, the next time they refuse to renew your policy OR even crank up your insurance premiums. Insurance companies often consider an inquiry about the possibility of making a claim as ACTUALLY making a claim and they will spare no resource to quickly ‘drop’ the policy holder, all in order to avoid paying them their insurance.
So what to do?
When an insurance company denies you’re your claim, they are basically leaving you out to dry. In situations like that, you need to have a good legal representative by your side. So if your insurance is denying your claim, make sure to call Schenk Podolsky and let us help you with your insurance claim or if you have a personal injury claim.
Accidents are traumatic enough. But when you’re a victim of an accident, aside from the trauma, you’re also going through weeks and sometimes even months of treatment and rehabilitation, depending on what type of injury you suffered in the accident. Car accidents are painful enough, but then you even have to deal with the insurance company which can also be frustrating and long. Insurance companies serve and work in their best interest and it’s often the case that they reduce or even deny you claim to receive payment for the accident.
Insurance companies are not there to protect your rights, but their interests. They do this my presenting your injuries as small as possible and all that in order to reduce the amount they are owed to pay you as compensation.
What you need to know when working with insurance companies
When you have an insurance claim, the insurance company will give to an adjuster. The adjuster’s job is to take statements regarding the accident. Statements are taken from both drivers and furthermore, the adjuster will also review the accident report.
It’s likely that the adjuster will find that you had prior injuries or he/she might even deem that you’re the one responsible for your acceded which will surely further reduce your compensation. It’s also very common that the adjuster disagrees with your medical report and present your injuries as less severe that they really are. All these thing, make negotiations with the insurance company extremely difficult and very complicated.
Resolving an insurance claim
More than one factor influences how long it takes to resolve an insurance claim. If the outcome is favorable for the insurance company, they will tend to wrap up the process and quickly as possible. But it’s typical that tan insurance claim takes several weeks before it’s complete. And since the process can sometime be long and not to mention stressful, it’s beneficial to have a personal injury lawyer who can help with negotiations. Having a personal injury lawyer that knows the system can make things pretty straightforward. And in case the outcome of the insurance claim is not favorable for you, the matter needs to be handled by a court.
The insurance company denied my claim. What can I do?
Let’s assume that the insurance company denied your insurance claim or gave you a compensation that it’s not really what you deserve. In cases like these, there are a few things that you can do. The first thing is that you don’t sign any release or settlement check before you have a consult with your personal injury lawyer. Once you do speak to him/her, you have the right to waive taking any further legal action. Your personal injury lawyer will review all the details of the accident report and try to work with your insurance company in order to get you a better settlement. Proving your injuries are severe as claimed (if the insurance company presents them as not so severe) might require further medical documentation from your doctor. And in order to further support your case, accidents reconstruction can be used which will prove how the accident occurred. Your personal injury lawyer will send a demand package to your insurance company and in the even that they don’t agree / accept then you may sue and take the matter to court.
Working with insurance company is complicated and can be stressful if you don’t know how the system works. That’s why, in order to ensure best results and highest compensation, we recommend that you work closely with a personal injury lawyer.
Mesa, Arizona is a great place for dog owners. There are dog-friendly hiking trails within a 20-mile radius like Shaw Butte, North Mountain, Lookout Mountain and many more.
However, according to CDCP (Centers for Disease Control and Prevention) about four and a half million people are victims of dog bites annually and nearly 20% require medical attention. The two highest risk groups for a dog bite are children and adult males.
In order to protect you and your family from potential dog bite-related injuries, here’s a list of useful tips on how to prevent dog bites.
- If you see a dog without its owner, don’t approach it.
- If you don’t know the dog, don’t approach it. You never know how long has the dog been on the street and whether he is regularly vaccinated or not.
- If you see an injured dog, instead of trying to help him yourself, call a professional that will assess the injuries and provide the help he/she needs.
- Don’t approach dogs that are sleeping, eating or nursing. Remember, dogs can be very territorial and when spooked, they can charge.
- Don’t run from a dog or chase a dog
In Mesa, AZ if a dog injures a human, it’s the dog’s owner who is responsible, no matter if he was aware of the aggressive nature of the dog or not. That is if the victim didn’t provoke the dog in any way.
How can you tell if the dog is aggressive?
Even though there are no foolproof ways to prevent a dog bite, there are telltale signs that you can learn to recognize and that will surely help you to determine whether a dog is aggressive or agitated. These are just a few signs and the most common ones:
- Baring teeth
- Intense stare
- Ears positioned flat or straight up (depending on the breed)
- The scruff – bristling hair around the neck
Even though these are the most common signs that the dog is aggressive, some don’t show any signs before attacking. So it’s best to keep your distance if you come across a dog that you don’t know.
What to do after a dog bite?
After a dog bit, first and foremost you should see medical attention, even if the wounds seem superficial. Like we mentioned before, you might now the full vaccination history of the dog so it’s best to seek professional medical help to have the wound looked at and thoroughly cleaned.
Once you’ve been cleared from the emergency room or hospital, you should research and hire a personal injury lawyer. Even though there is a two-year statute of limitations on dog bit related injuries, most victims lose protection if they haven’t reported the attack within the first year.
Often, the dog owners claim that the victim provoked the dog somehow, which can further complicate the case. So that’s why it’s essential that you seek professional counsel.
When dealing with a personal injury case, it’s nice to know what’s going on. This allows you to have confidence in what’s occurring during your case and not just trusting an attorney blindly. Although it’s important to pick an attorney that’s good at what they do and whom you can trust, it’s still important to be prepared and knowledgeable yourself. Having tabs on your own case and understanding the steps as they come allows you to make an informed decision when presented with one. Below covers some topics on personal injury cases when you are the one who has sustained the injuries.
What Does a Typical Personal Injury Case Look Like?
When an injury occurs at the negligence of another party, most states have laws that allow the person injured to recoup costs. This can include emotional trauma connected to the injury. Negligence can be from a workplace being unsafe or not kept up to code which resulted in an injury. Negligence can also include careless driving, malpractice by a doctor, and more. A typical case will have an injured party and a negligent party seeking to prove whether negligence was indeed the issue.
What Happens After Filing a Case?
The assumed negligent party is then served papers of the notice and becomes the defendant while you become the plaintiff. The next step is called “discovery” as lawyers on both sides gather evidence, ask questions, and build a case. Once this mode has ended, offers can be made before the case is taken to trial. If the offer is refused, it will go to trial and be decided by a judge. However, it’s common for personal injury cases to be settled outside the courtroom.
What Happens if I Win?
A judge or jury will decide an amount for damages and you will be rewarded this amount of money. Those deciding the amount will take into account the injury, grief caused by the injury, future wages lost, etc. All angles will be considered in order to fully cover the plaintiff. This is why cases like this are often settled outside of court.
How Long Do I Have to File a Case?
Each state differs on the length of time following an injury that you have to file a claim. This is referred to as the “Statute of Limitations.” Your attorney should be able to help you with this amount of time for your state. However, it’s always best to file a claim as quickly as possible following the injury. This often helps with evidence trails and the case in general.
Some other important notes to consider are that the defendant of the case isn’t punished. Other than paying out what’s rewarded to the plaintiff if they lose the case, a defendant won’t have to worry about aspects such as probation, jail time, etc. Further, if you decide to settle a case outside of court, this is when you and the defendant agree on a specific outcome of the case without a judge or jury. Your lawyer will handle the details.
You may have heard of an umbrella policy when discussing insurance. However, many people are unaware of what it actually is and how to utilize it. Because of this, umbrella policies may not be purchased or even used. When it comes to personal injury cases, it’s important to know what your umbrella policy will cover. After all, there’s no sense in having the policy if it’s not going to be of some use to you down the road. Keep reading for the basics of personal injury coverage with an umbrella policy.
What Does an Umbrella Policy Cover?
An average umbrella policy is basically an add-on to the policies you already have. This means it covers above what your normal policy covers. Bodily injury, personal injury, property damage, and landlord liability is what an umbrella policy more commonly covers. Umbrella policies don’t cover things like business losses, written or oral contracts, personal belongings, etc.
How Does an Umbrella Policy Work?
As mentioned above, an umbrella policy kicks in when your normal policy isn’t enough. It acts as a band-aid of extra coverage just in case your usual policy isn’t enough. For example, if you were in a car accident that was your fault, and the other party was injured in the incident, your normal car insurance will cover up to a certain amount. However, if something happens and the case ends up calling for more than your car insurance will cover, the umbrella policy will begin covering the amount that went beyond the coverage of your normal car insurance.
Many people think having an umbrella policy isn’t worth it. However, here is a scenario to put it into perspective. Car insurance policies will only cover so much and you can’t purchase any more than their highest limit. Therefore, the only way to get extra coverage is to go for an umbrella policy. When personal injury cases are presented, aspects such as lost wages, grief, etc. are covered outside of the cost of medical bills for the injury itself. Say you hit a doctor and he sues you for lost wages on top of everything else. You could be looking at a million-dollar payout for damages with your car insurance only covering $500,000 of that. If your insurance doesn’t cover it, the judge and jury won’t care. You will still have to find a way to put the leftover damages amount. This can result in garnered wages, loss of property, home, other belongings, and more.
Umbrella policies aren’t necessary or required by law. However, they can prove to be quite the backup in such a sue-happy world. Umbrella policies commonly can be purchased in one million increments for up to five million in coverage.