Welcome to the monthly newsletter from Rickerson & Kruger, L.L.C. It is our hope that you find it both entertaining and an informative resource.

Thank you to all our current clients and friends for continued referrals. It's rewarding to know these referrals have contributed to our continued growth.

Not 1-800-SERIOUS:  Please checkout the best foreign/holiday video clip we stumbled across this month. This holiday greeting was produced by an ad agency named TBWA in Vancouver, British Columbia. They are known for breakthrough creative, and they certainly got our attention.  We hope you enjoy this humorous holiday message. From all of us at Rickerson & Kruger, LLC, we wish you and your family a healthy and prosperous holiday season.

Click here to view Windows Media | Quicktime

Things 1-800-SERIOUS

Interesting tidbit from our practice:
 
Problem: A young woman, who received a relatively minor injury in an automobile accident, incurred approximately $3,000 of medical expenses.  She was fully covered under her husband's employer's group health insurance policy. However, this couple also elected to purchase medical payments coverage with their automobile insurance.

Resolution:  The coverage provided through their automobile insurance comes first (as it is considered the primary coverage) and must be exhausted before their health insurance kicks in. Not only did this couple's purchase of additional coverage through their automobile insurance company work as a “windfall” for the health insurance provider, but she ended up with much less money in her own pocket because the health care providers were paid the full sticker price of the invoices rather than the customarily reduced charges negotiated by health insurance companies by way of master service agreements.  This presented a situation where the insurance agent who sold this couple the extra coverage for medical payments on their automobile policy actually did them a disservice.  

Caveat:  It is important, when purchasing automobile liability coverage, to consider whether you really need to add extra coverage for medical payments.

 
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	As the sponsor of the Safe Teen Drivers program, Rickerson & Kruger, L.L.C. pays over $15,000 a year so that one teen every week can take free driver's education classes. Below are recent winners. Log onto teensafedriving.org for more details. 10/26/06          Cally Pflug 11/2/06            John Bachtell 11/9/06            Jordan Johnson 11/16/06          Carly Cash

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11422 Miracle Hills Dr., Suite 401, Omaha, NE 68154
Phone: 402.498.8600 (or) 1.800.SERIOUS (737-4687)

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