Vo lu me 2 , I s s u e 6
M a rch 2 0 0 9
Attorneys
Chuck Boyk, Michael Bruno,
The Boyk Bulletin and Dale Emch
Inside this Issue
Hidden policy language can put families at risk
Attorney gives fresh start
What’s your favorite website?
Boyk Bulletin WORD SEARCH
2
2
3
D ear Dale:
I recently caused a
car accident in
Toledo in which my chil-
dren were hurt. When I con-
icy. These exclusions typi-
cally state that an uninsured
vehicle does not mean a
vehicle owned by you or
any resident of your house-
Worms & Dirt Dessert 4 tacted my insurance com- hold.
Recipe contest 4
pany about my children’s Insurance companies need
injuries, I was told that they to follow a laundry list of
Cases of Interest 4 would not be covered under state laws when it comes to
the terms of my policy be- the language of their poli-
We Have Six Offices cause they are part of my cies. But for years, many
to Serve You family. When I signed up practice. Ohio legislators seemed
for my insurance, I asked At our personal injury willing to dance to whatever
Downtown Toledo for full coverage and I was office, we see similar situa- beat the insurance-company
405 Madison Avenue told that’s what I was get- tions fairly often. It’s tough lobbyists were pounding
Suite 1200 ting. Can my insurance to tell someone that their out. I’ve never understand
Toledo, Ohio 43604 company do this? insurance company won’t why those legislators
419.241.1395 Answer: Not only can cover them for injuries to a wouldn’t stop and say,
1.800.637.8170 Toll-free your insurance company do family member if they “Hey, my family could be
419.241.8731 Fax this to you, it happens all caused the accident because financially devastated by
West Toledo the time. That doesn’t make of an intra-family exclusion this vote.” This should be a
4032 Secor Road it right, but the law allows in the uninsured motorist common sense,
Suite A this difficult-to-justify coverage portion of the pol- See Family Safety, page 3
Toledo, Ohio 43623
Cast your vote! Office picks best consumer websites
F
South Toledo or many people, the WebMD.com - Cynthia
5241 Southwyck Boulevard
Internet has become WebMD helps me diag-
Suite 108B
the single most im- nose any type of medical
Toledo, Ohio 43614
portant resource for help issue. It covers an array of
Bowling Green with everything from health symptoms, and it helps my
121 E. Wooster Street to personal finance. family pinpoint what to ask
Suite 255 The Internet is also impor- at a doctor’s visit.
Bowling Green, Ohio 43402 tant to the employees in our oboa.us - Sally
office. I use this website to help
Swanton We asked the staff of clients understand that they
110 W. Airport Highway
Charles E. Boyk Law Of- while you surf the web. have a choice on where to
Suite 208
fices, LLC to pick the con- Mint.com - Lindsay get their vehicle repaired
Swanton, Ohio 43558
sumer websites they find Budget your finances in after a car accident. Many
Findlay most helpful in their every- conjunction with your bank people don’t realize that
612 Main Street day lives, and why they de- account. It is perfect for they don’t have to use the
Suite 101 pend on them. keeping track of expenses body shop the insurance
Findlay, Ohio 45840 We have compiled a list and deposits all in one company tells them to use.
that we hope will help you place. See Websites, page 2
Auto Accidents • Medical Malpractice • Workers’ Compensation • Dog Bites • Wrongful Death • ATV and Motorcycle Accidents
P ag e 2 Vo lu m e 2, Is s u e 6
Attorney Fred Boyk helps give people a fresh start
D eciding whether or not to
file for bankruptcy can be a
very difficult and stressful
decision for many people.
But Attorney Fredric Boyk helps
worker, even when we were growing
up,” Attorney Chuck Boyk said. “He
always strived to do his best in
school, and he carried that drive into
adulthood. That is part of the reason
As a CPA,
Fred also helps
people with
their tax issues.
“When
people see beyond their fears to a why he is so successful today.” filing your
place that doesn’t involve bill collec- Fred’s secretary, Gloria, also en- taxes, be
tors, harassing phone calls, and joys working with Fred. organized and
sleepless nights. “Fred is a great boss,” Gloria said. careful,” Fred
As a bankruptcy attorney, Fred “He is very compassionate to his cli- said. “It is easy
teaches people how to weigh out the ents.” to overlook Attorney Fredric Boyk
options of hanging onto debt or filing After graduating magna cum laude legitimate
to have their debts discharged. from the University of Toledo with deductions or to not take
“Do not be embarrassed to recog- his Bachelor’s degree in 1975, Fred advantage of potential tax credits.”
nize reality,” Attorney Fred Boyk went on to become a Certified Public Fred, his wife Kathy, their German
said of filing for bankruptcy. Accountant and a business owner. Shepherd, Ginger, and two cats, Ar-
“Sometimes a financial fresh start is It wasn’t until 1993 that Fred de- thur and Mimi, live in Holland, Ohio.
the best thing for a person or family. cided to become an attorney. If you or someone you know needs
Many successful people have filed “It is never too late to pursue your advice on bankruptcies, contact our
for bankruptcy, including Abraham goals and dreams,” Fred said. “I office and we can connect you to
Lincoln, Larry King, and M.C. Ham- started law school at age 38, and it Fred.
mer.” was one of the great experiences of
It’s Fred’s no-nonsense, practical my life.” Local Business Spotlight is a feature
that will run periodically in The Boyk
attitude that persuaded Attorney Fred’s dream became a reality Bulletin. If you know of a business you
Chuck Boyk to invite his brother into when he graduated as the valedicto- would like to see highlighted, contact
his office as an of-counsel. rian of his class from the University Anneke at 419.720.4452 or at
“Fred has always been a hard of Toledo’s College of Law. akurt@charlesboyk-law.com
Websites, cont. from page 1 with each other’s lives with pictures, of the daily stress that can accumu-
Fark.com - Cindy and the site can even help you track late at the office. Imeem lets me lis-
Fark is the best site to use when you down friends you have lost contact ten to any song, for free, right at my
want to read up on interesting and with. desk.
bizarre news from all over freecycle.com - Wade DrudgeReport.com - Chuck Boyk
the world. Freecycle is all about giving away While the opinions on this website
FoxNews.com - Anneke stuff that you would normally sell in don’t always match my own, the site
Whenever I need up-to-the-minute a garage sale. On this site, one man's provides me with links to numerous
information on news, current events, trash is another man's treasure. Every- other helpful and resourceful web-
or opinions, I can depend on Fox thing is free, membership is free, and sites.
News to provide it. Toledo has just started a local chap- ToledoBlade.com - Dale Emch
FreeDieting.com - Patsy ter. You can swap items, or simply ToledoBlade.com lets me catch up
This health and wellness site is very give things away. The exchange is on my local news if I don't have time
simple and filled with a lot of great made between the parties without us- to check out The Blade at home. No
tips. It also provides meal plans, reci- ing a mail system. local news outlet compares and they
pes, and calorie information. It is a TreasuryDirect.gov - Leslie do a great job of updating the content
great way to watch what you eat. The Savings Bond Calculator on throughout the day.
Facebook.com - Kim this site is perfect for finding out Do you have a great website?
Facebook allows me to communi- what your savings bonds are worth. It Email it to
cate with my friends and family from also gives other helpful savings tips. akurt@charlesboyk-law.com,
all over the country without using the imeem.com - Mike Bruno and we’ll feature it in
telephone or email. We can keep up Listening to music helps ease some The Boyk Bulletin.
T h e B o yk B u lle t i n P ag e 3
The Boyk Bulletin
WORD SEARCH
Hey kids! Be one of the first
five kids to send back the
completed word search to
our office at 405 Madison
Avenue, Suite 1200, Toledo,
Ohio 43604, and we’ll send
you a FREE movie ticket!
(13-years-old and under, please)
Family Safety, cont. from page 1 quence as well. panies stuff-
consumer-driven issue. Isn’t this why we buy insurance – to ing more
Let me give you a fictional example protect not only other drivers, but our- money in
of how a family could be crushed fi- selves and our loved ones? Does it their
nancially as a result of these types of make any difference to the real-life pockets.
policies. Let’s say Bob is driving his Billy and Bettys that the accident was Not all
wife, Jane, and two kids, Billy and caused by their dad and not some other insurance
Betty, to the zoo. Bob takes his eyes negligent driver who wasn’t insured? companies
off the road for a second, runs a red Aren’t their injuries and losses the write
light, and is hit broadside by a truck. same regardless of who caused the intra-family
The accident causes brain injuries to accident? exclusions
Jane, who is the breadwinner for the As near as I can tell, insurance com- as a matter
of course. If Attorney Dale Emch
family, and Billy and Betty have seri- panies who have intra-family exclu-
ous internal injuries that require weeks sions justify them in a few ways. One you’re concerned about this, and you
of hospitalization. is to help prevent fraud by family should be, ask your
Bob lost his job recently and doesn’t members who claim bogus injuries insurance agent to find you a policy
have health insurance, so the hospital from accidents, staged or real. I’m that doesn’t contain this exclusion.
bills quickly swamp him. Not only sure insurance companies also would Most agents, especially independent
that, but the family has lost Jane’s in- say that people can bargain for the ones, will be more than willing to help
come. Bob thinks he has full coverage, coverage they want and it holds down you find a policy that protects you and
so the kids will have their medical premium costs for all of us to not re- your family.
bills covered and get some money for quire this coverage automatically. And if you want to change the law
injuries that likely will cause years of While I know some claimants are that allows these types of exclusions,
pain and expense, and Jane will be dishonest, most insurance adjusters are write or call your state legislator and
compensated for her injuries and loss smart people who are good at sniffing the leaders of the General Assembly.
of income. But intra-family exclusion out bogus claims. And as far as the It just might make a difference.
language related to the uninsured mo- costs go, I can’t imagine premiums Legal Briefs is a question and answer
torist coverage portion of his policy would increase in any significant way column in the Toledo Blade, authored
means Jane, Billy, and Betty will get once the risk to the insurance company by Attorney Dale Emch.
nothing, and this family catastrophe is spread out among all drivers. In my It is reprinted by The Boyk Bulletin
now has a devastating financial conse- opinion, this is about insurance com- with permission from The Blade.
A Note to Our Readers Charles E. Boyk Law Offices, LLC has created this newsletter for our clients, friends, and colleagues to provide general and practical information. It is not intended for legal advice and
should not be viewed as a solicitation. We hope you find this publication to be a helpful and valuable addition to your mail. However, if at any time you wish to be removed from our mailing list, or update your
contact information, please contact Anneke at 1.800.637.8170 or via email at akurt@charlesboyk -law.com.
The Boyk Bulletin Page 4
Charles E. Boyk
Law Offices, LLC
405 Madison Avenue
Suite 1200
Toledo, Ohio 43604
Phone: 419.241.1395
Toll-Free: 1.800.637.8170
Fax: 419.241.8731
RETURN SERVICE REQUESTED
We’re on the Web!
www.CharlesBoyk-law.com
New address or phone number? Help us stay current by letting us know!
Call Anneke at 419.720.4452 or email her at akurt@charlesboyk-law.com
Aunt Mary’s
Worms & Dirt Dessert Do people rant and rave Cases of Interest
Ingredients about your Ravioli? our office is handling
2 pkgs instant chocolate pudding mix Do your loved ones love 50-year-old woman is rear-ended by
4 cups of milk
1 package Oreo cookies your Lasagna? a drunk driver, causing severe neck
and back injuries.
2 containers whipped cream Enter The Boyk Bulletin’s 44-year-old man is still hospitalized
1 package gummy worms first Recipe Contest! after nine weeks after being struck
1. Use milk to prepare chocolate by a car while trying to help an acci-
pudding according to directions.
Send us your favorite dent victim on the side of the road. He
2. Crush Oreo cookies in a resealable recipe, and it could will need multiple surgeries to fix his
plastic bag. become our next dislocated knees.
3. In a deep, clear serving bowl, layer award-winner! 56-year-old man falls inside a local
1/3 of the Oreos, 1/2 the pudding, and 1 gas station due to inadequate warning
container of whipped cream. Repeat. Our secret judges will of hazardous conditions. The fall
4. Top mixture with remaining Oreos. select the best recipe, caused a severe compound wrist
5. Arrange gummy worms so they are and the winner will be featured in fracture and need for surgery.
sticking out of the “dirt” you have The Boyk Bulletin and also win $25! 45-year-old woman uses a defective
created. Serve immediately or chill. facial product and develops a staph
Recipes can be submitted to Anneke infection, requiring a week-long
at akurt@charlesboyk-law.com hospital stay and permanent facial
or 405 Madison Ave., Suite 1200, injuries.
Toledo, Ohio 43604 17-year-old passenger is knocked
unconscious after the car he is riding
Entries must be received by March 31, 2009. All
in strikes a tree. He suffered a
contestants will be notified by April 3, 2009.
concussion and injuries to his back.