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UM/UIM Coverage Safeguards You Financially From Uninsured Motorists

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8:58 am 8:58 am

Did you know that almost a fourth of all Texas drivers don’t have auto insurance? That means drivers of 4.1 million vehicles are in violation of state law. Obviously, not enough is being done to reverse the problem, but there is something you can do to protect your family from it: You can buy uninsured motorist coverage for your auto insurance policy.

Otherwise, when an uninsured or underinsured driver harms you or a family member, you may face substantial difficulty obtaining monetary compensation for your medical costs and other setbacks. It won’t matter that you weren’t to blame or that you have auto insurance for your vehicle. After an uninsured motorist causes a car crash because of negligent or reckless driving, innocent victims can get stuck with the bill.

But a solution is basic and simple. Uninsured/underinsured motorist (UM/UIM) coverage may cost as little as 30 per cent of what you pay for liability insurance, yet can offer a tremendous degree of protection. After a costly car accident, if the negligent driver who harmed you has little or no insurance, your UM/UIM coverage can provide the protection you need.

State-mandated liability coverage for car wrecks in Texas is $25,000 per person and $50,000 per crash. When damages exceed this, UM/UIM coverage can step in. Its cost seems a small price to pay compared to the huge savings it can offer to those harmed by drivers who lack insurance.

UM/UIM coverage is advised especially for those who ride motorcycles in Texas. The state has a high rate of motorcycle accident injuries and fatalities, and due to motorcyclists’ vulnerability, costs of such accidents can run extremely high. Also, most motorcycle accidents are caused by negligent drivers of larger cars, and with 22 per cent of them not carrying insurance, a motorcyclist must have added coverage on his or her own policy. That means UM/UIM coverage.

Texas motorists can’t depend on their health insurance after a costly car accident, because that insurance doesn’t allow for lost present and future salary, or for victims’ pain and suffering. On the other hand, uninsured motorist coverage can offer vital protections.

Much more must be done to remove uninsured drivers from our roads or compel them to get insurance. Houston-area cities Richmond and Pasadena have made a bold move by impounding uninsured drivers’ vehicles until they’re insured. Elsewhere, uninsured motorists continue to drive even after getting multiple citations. But you can make your own counter-move by getting UM/UIM coverage. It could help protect your family – and it might also help your peace of mind.

Texas personal injury firm Jim S. Adler & Associates, of Dallas, Houston, San Antonio and Channelview, urges Texas drivers to protect themselves with uninsured motorist coverage. An Adler car crash attorney also can fight for victims’ rights to financial compensation after a Texas auto accident.

Injured By A Drunk Driver? A Car Accident Lawyer Can Fight For Your Legal Rights

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10:02 am 10:02 am

Annually, America’s horrendous death toll from drunk drivers reaches its apex in what should be a joyful holiday season. But year-end celebrations lead to increased indulgence, and increased drunk driving, which in turn leads to severe injuries and even fatalities for innocent victims of drunk driving accidents.

Should a family member become such a victim, find solace in the fact that you can fight back with a drunk driving lawsuit. A car accident attorney or drunk driving lawyer can pursue financial compensation for your loved one’s losses, including medical bills, pain and suffering, and lost wages.

This form of legal action is necessary and vital, in that America’s drunk driving toll is catastrophically high. In 2007 alone, 13,000 Americans died due to drunk drivers — almost a third of all who died in traffic collisions. And in the state of Texas in 2008, drunk drivers slaughtered 975 persons. That’s 28 per cent of the total traffic accident fatalities.

Probing further, more than 500,000 Americans have been killed by drunk drivers since 1982. Those deaths are more than all American combat deaths in every war since and including World War II. In other words, America suffers far more deaths from drunk drivers than from any foreign enemies. In effect, drunk driving carnage is part of an undeclared war that never ends.

The state of Texas has enhanced its laws to help police officers make drunk driving arrests. Beginning Sept. 1, 2009, officers were allowed to take blood samples to test blood alcohol levels (BAC) in suspected drunk drivers without first getting a warrant – which takes precious time. That can be done if the suspect already has a drunk driving record; if a victim besides the suspect dies or is expected to die; if a victim besides the suspect suffers injury and needs to be hospitalized; or if at least one passenger in a vehicle in the accident is a child under 15.

Also combating drunk driving deaths is Mothers Against Drunk Driving, or MADD, a national organization with a strong presence in Texas. MADD not only serves drunk driving victims and their families, but also presses for legislation to fight drunk driving. That includes calling for breath-testing devices in cars which will prohibit a drunk driver from turning on the ignition.

Though these strategies all can help, the horrible drunk driving toll continues. That’s why it must be made clear to drunk drivers that they’ll be held responsible for their actions, legally and economically. An experienced drunk driving lawyer or car accident attorney can send that message in a fight for legal justice.

Offering a free case review, Jim S. Adler & Associates is a longtime Texas personal injury law firm with offices in Houston, Dallas, San Antonio and Channelview. The law firm represents victims of SUV, car, auto, bus, truck, motorcycle and other traffic accidents.

Traffic Injury Victims In Texas Often Must Rely On A Houston Car Accident Lawyer

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9:18 am 9:18 am

Traffic accidents impact Texans more than any other personal injury event. Each year, as many as 3,400 Texans are killed in a traffic accident or auto collision, and many more thousands are injured, sometimes for life.

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When a car, auto, motorcycle, bus, SUV or truck accident is caused by another person’s negligence, victims are entitled by law to full and fair financial compensation for their losses, including medical bills, lost wages and pain and suffering. Yet gaining such recovery often isn’t easy and requires special help – legal help.

Many Texas drivers are uninsured, including an estimated 15 per cent in Houston. That doesn’t help their victims in a car crash, who must rely on their own insurance company for coverage and often don’t get it.

As a practice, insurance companies often delay, deny or underpay coverage. Some offer a quick settlement to customers that’s far less than what they are really owed.

The alternative? Engage a knowledgeable Houston car accident lawyer who can assess a claim’s true value and insist upon the victims getting that complete value from an insurance company. Thousands of Texans for decades have relied upon such help from Jim S. Adler … Associates.

With a base in Houston but also offices in Channelview, San Antonio and Dallas, Adler … Associates compels resistant insurance companies to fulfill their policies’ obligations, even if that means filing a car accident lawsuit.

But rarely do cases go to court. In fact, about 90 per cent are settled out of court. Those are among the results Texans get from the Houston car accident lawyers of Jim “the Texas Hammer” Adler, who continue to fight for Texans’ legal right to fair and full economic recovery for car accident injuries.

Offering a free case review, Jim S. Adler … Associates is an established Texas personal injury law firm with offices in Houston, Dallas, San Antonio and Channelview. The law firm represents victims of SUV, car, auto, bus, truck, motorcycle and other traffic accidents, along with victims of defective drugs and defective medical devices.

San Antonio Car Accident Attorneys: Fighting for Your Rights

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11:20 am 11:20 am

Being a part of an auto wreck is never an easy thing to be dealt with. When you are the victim of an car accident where you were not at fault or the irresponsible driver was not insured to handle your damages or medical expenses, it can be even more difficult.

Procuring a San Antonio personal injury accident lawyer can make the experience easier to endure.

From a national statistics perspective, about 6.4 million accidents occur every year. Sum 40,000 people die in auto accidents each year (this figure that has been generally declining for over 30 years).

People never dream of the day where they’ll be mixed up in a car accident that puts them in a difficult condition, whether that situation is financial or health-related. Everyone knows that it happens, but few are in fact prepared to handle the cost of an auto accident until it happens. When you are involved in an accident that is not your fault, or if you have disputes with the insurance company themselves, there are many actions that you can do to rectify the circumstances. The first step is to hire a San Antonio car accident lawyer to help you determine the best course of action. Don’t allow yourself to get taken advantage of, because you deserve compensation for wages lost, medical expenses, and to restore the damages on your car.

In a perfect world, everyone should have insurance. Every insurance company would pay claims without incident. Medical expenses would not be through the roof and leave many people financially drained. However, this is not a perfect world, which is why you must have a qualified San Antonio auto accident lawyer on your side when it comes to standing up for your right to the compensation and justice that you deserve. Of course, in an ideal world, auto accidents would not even happen. But they do, and you need to be protected, no matter what. If you’ve been implicated in an auto accident, Priority one is file the police reports and insurance claims, and then hope for the best. If everything doesn’t turn out like you feel they should, you should hire a San Antonio personal injury accident lawyer to help you fight your case. That will allow you to acquire the compensation and decent treatment that you’re entitled too.

Several things that can go wrong with an auto accident, including injury, serious medical expenses, loss of income, and unfortunately wrongful death. If you have been a victim and are in need of a San Antonio auto accident lawyer, call Shawn C. Brown legal hot-line immediately at 210.224.8200 after hours 210.334.7924. Research and authoring by San Antonio SEO writer of Totus Agency of Texas.