Where Are Most Of Austin’s Bicycle Wrecks?

The folks at the Massachusetts Institute of Technology Media Lab have used all that MIT brainpower to put together an interactive map showing Austin’s bike wrecks.

Using data from the Texas Department of Transportation, they’ve mapped over 1,400 wrecks to come up with this map.  Not only does the map show the location for the wrecks, but it also provides statistics on what roads have the most wrecks, and it allows you to see the Google Street View shot for each wreck location.

So what streets are most dangerous for Austin cyclists:  Guadalupe Street, South Congress Avenue, IH 35, North Lamar, South First Street, and East Riverside Drive.

Auto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE NINE: Blindly Renewing Your Policy

Face it. Most people are lazy.  When it comes time to renew our auto insurance, most of us simply buy the same coverage we had last year.

That’s a mistake.

Situations change, and you need to take that into account when renewing your insurance each year.  Your finances may be in a little better shape so you need more protection.  Your car may be older so it may need less coverage.  You may have a new driver in the family.

Your circumstances are always changing, and many of those changes affect the type of coverage and the amount of coverage that you need.  Don’t just take the easy way out.  Spend a few minutes looking at your circumstances and needs and make an informed choice.

Auto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE EIGHT: Thinking That You Are “Fully Covered”

I often ask clients who have been victims of car wrecks what type of coverage they have.  Most respond that they are “fully covered.”

What does that mean?  Too often, people who tell me that they are “fully covered” aren’t fully covered.  They usually only have the minimum liability limits required by law.  But they think they’re “fully covered” because some agent told them that without explaining to them what it really means.

As I’ve mentioned earlier, when buying liability insurance to protect yourself from a claim made against you when you cause a wreck, you need to make sure you have adequate liability insurance.  For most people, that means more than the $30,000.00 required by law.

Additionally, you need to buy personal injury protection and uninsured/underinsured motorist coverage to make sure that you’re protected when you or your family is injured in a wreck caused by someone else.

In my mind, you’re not “fully covered” until you have these types of insurance in sufficient amounts to cover a likely claim size given your circumstances.

Don’t just let the agent tell you you’re “fully covered.”  Make the agent explain what the mean and how you’re being protected.

Auto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE SEVEN: Lying To Your Insurance Company

When you fill out your insurance application, you’re asked to provide a lot of information to your company.  You may be asked about your driving history, how many miles you drive per month or year, your home address, where you park your car overnight, and more.  Studies show that a significant number of people provide wrong information on their applications, usually in an effort to try and save a little money.

But these “mistakes” can often come back and bite those not being truthful.  These mistakes could lead to insurers partially or completely invalidating the policy or completely cancel the policy, making it much more difficult and expensive to obtain insurance in the future.

The better plan is to be truthful on the application.  In this case, honesty is the best policy.

Auto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE SIX: Not Looking For Discounts

If you’ve read the other mistakes, you know I think people spend too much time looking at price when deciding what insurance to buy.  But I don’t think people spend enough time looking for discounts.

Once you have narrowed your search of insurers down to two or three respectable companies, do your homework to consider what discounts the companies offer.  Most companies offer discounts for consolidating homeowners and auto insurance, but the discounts go far beyond that.  Insurers may offer discounts for things like:

  •     your car has daytime lights;
  •     you’ve completed driver’s ed;
  •     your driving age kids have good grades;
  •     your kids are away for school; and
  •     you or someone on your policy is deployed.

Make sure you ask your agent about potential discounts.  You can also check the Texas Department of Insurance website, which lists discounts for many auto insurers.

Auto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE FIVE: Picking The Wrong Insurance Company

If you pick the wrong insurance company, you increase the likelihood that you’ll end up fighting them if you ever need to make a claim.  Similarly, if you cause an accident and hurt someone, having the wrong insurance company could increase the likelihood that you end up being sued.

Too many people end up with these problems because they didn’t do their homework up front.  There are a number of things you can do to help you avoid these mistakes.

1.  Check out the Texas Department of Insurance website (www.tdi.texas.gov). The website contains reports showing the number of verified complaints and the number of policies written by each insurance company.

2.  Talk to friends who have had problems with insurance companies.  Most people haven’t made claims on their policies.  When talking around, you want to make sure and talk to friends who have actually been involved in claims — both those who have made claims against insurance companies and those who have been on the receiving end of claims.  Ask about their experiences, the types of trouble they might have had, the length of time before the issue was resolved, and whether they would buy that insurance company.

3.  Use the internet.  Internet research is your friend when investigating insurance companies.

Auto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE TWO: Not Protecting You and Your Family

Many people who purchase insurance only purchase the liability insurance required by law.  As a result, you spend a lot of money on this insurance protecting other people.

But you are making a mistake if you’re not protecting your family through the purchase uninsured/underinsured motorist coverage and personal injury protection insurance.

On an almost monthly basis, I have to break bad news to potential clients that there isn’t anything I can do to help them because the driver who caused the wreck either didn’t have any insurance or didn’t have enough insurance.

Uninsureed/underinsured motorist coverage is relatively inexpensive and provide significant protection to you and your family.

The same may be said for personal injury protection insurance.  This coverage is relatively inexpensive, but it can provide big benefits to you.  If you’re in a wreck and have to make a claim against the other driver or even your own uninsured/underinsured motorist carrier, those claims take a long time.  It may be months (or even years) before the case is resolved and you see anything from the case.  PIP allows you to obtain funds almost immediately, to help pay for your medical expenses or to help with other living expenses.

Don’t make this mistake.  Buy the coverages necessary to protect you and your family.

Auto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE ONE: Purchasing Minimum Insurance

Most people think they only need to purchase the minimum insurance required by Texas law.  This is a huge mistake.

Generally, the more assets you have, the higher insurance you should purchase to make sure you’re protecting you and your assets.  But most people should consider purchasing significantly more than the minimum limits.

For property damage, the minimum required by the law is $25,000.00.  But today, the average new car costs over $30,000.00, and the prices go much higher than that.  If you are just purchasing the minimum limits, you are still leaving yourself exposed to significant liability should something happen.

Similarly, for personal injury claims, the minimum coverage is $30,000.00.  That might sound like a lot.  But when considering the cost of health care, that’s a small amount.  Whether you’re talking about liability insurance, protecting you against someone else’s claim, or uninsured/underinsured, protecting you and your family, a simple hospital visit might exceed that cost.  In that instance, by purchasing the minimum limits, you will have done a good job protecting the hospital or your health insurance company, but you won’t have done a good job protecting yourself.

People’s situations differ, but I generally recommend people purchase at least $100,000/$300,000 for personal injury claims and $50,000 for property damage claims for both liability and uninsured/underinsured motorist coverage.  However, many people will be in a position where I’ll recommend much higher amounts.

uto Accidents: Understanding Texas Auto Insurance: UNINSURED/UNDERINSURED MOTORIST COVERAGE

WHAT IS UM/UIM? What do you do if you’re in a wreck caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages?

In Texas, the best answer is uninsured/underinsured motorist coverage (UM/UIM), a type of coverage you can buy as part of your automobile coverage.  If the other driver doesn’t have any insurance at all, then your uninsured motorist coverage will compensate you for your personal injury damages and/or your property damages up to the limit of your policy.

If the other driver has some insurance, but it’s not enough, then the underinsured motorist coverage will compensate you for the difference up to the limit of your policy.  For example, if you have a personal injury claim that is worth $50,000.00, but the other driver only had the minimum $30,000.00 insurance required by Texas law, then your underinsured motorist coverage would cover the additional $20,000.00.

Notice that the coverage will pay the damages “up to the limit of your policy.”  Like liability coverage, your UM/UIM coverage also has limits, and the insurance company will not usually be required to pay more than the limits of the policy.  Thus, the more coverage you purchase, the more protection you’re buying for you and your family.

As a personal injury attorney, I highly recommend that you purchase uninsured/underinsured motorist coverage to protect you and your family.

UNUSUAL WAYS UM/UIM PROTECTS YOU.  Uninsured/underinsured motorist coverage can protect you in a number of situations that you might not think about:

  • Uninsured/underinsured coverage can apply when you’re in your car or truck and you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance.
  • Uninsured/underinsured coverage may apply in a hit-and-run accident if there is contact between your vehicle and the other vehicle.
  • Uninsured/underinsured coverage may apply if you are a pedestrian and are hit by a car or truck with a driver who doesn’t have enough insurance.
  • Uninsured/underinsured coverage may apply if you are on a bicycle and hit by a vehicle with a driver who doesn’t have enough insurance.
  • Uninsured/underinsured coverage may apply if you’re a passenger in another car that is hit by a driver who doesn’t have enough insurance.

In many cases, more than one uninsured/underinsured policy may apply. For example, if you’re in a friend’s car and hit by a driver who doesn’t have enough insurance, you might be able to make a claim on your own insurance and on the uninsured/underinsured policy covering the car that you’re in.

Auto Accidents: Understanding Texas Auto Insurance —- PROPERTY DAMAGE INSURANCE

As part of your automobile policy, you will also have the option to purchase insurance that protects your vehicle if it is damaged.  This coverage isn’t required by law, but if you have a loan on your vehicle, then most lenders will require this insurance.

COLLISION.  Collision insurance pays for the cost of repairing or replacing your car after an accident.

COMPREHENSIVE (OTHER THAN COLLISION). Comprehensive coverage will pay for the cost of repairing or replacing your car when it is damaged by something other than a collision.  For example, comprehensive coverage applies when the car is stolen, vandalized, damaged in a fire, or sustains hail damage, among many other protections.

AMOUNT OF COLLISION AND COMPREHENSIVE COVERAGES. Your collision or comprehensive coverages will generally pay for the cost of repair of your vehicle.  However, if the cost of repair exceeds the actual cash value of your car — what it would cost to buy a car without the particular damage — then the insurance company will only pay you the actual cash value of the car, plus tax, title and license fees so that you could try and replace your car.

TOWING AND RENTAL COVERAGE.  Most insurance companies will also give you the option to purchase towing and rental coverages.  Towing coverage will pay for the towing charges that you incur when you can’t drive your car.  Towing coverage would also help pay for charges you incur to change a flat tire or jump-start your battery.

Rental coverage pays for the cost of a rental car when you need a rental car because of an event covered by your policy.  For example, if you’re in a wreck and need a rental, then the policy would pay for a rental.  But if you need a rental because your car has mechanical issues, the rental coverage wouldn’t likely apply in that situation.

Perlmutter & Schuelke, LLP maintains offices in Austin, Texas. However, our attorneys and lawyers represent clients throughout the state of Texas, including Dallas, Houston, San Antonio, Forth Worth, El Paso, New Braunfels, San Marcos, Kyle, Buda, Round Rock, Georgetown, Lockhart, Bastrop, Elgin, Manor, Brenham, Cedar Park, Burnet, Marble Falls, Temple and Killeen. By Brooks Schuelke

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