Archive for January 2014
Negligence on Texas Worksite Leads to Severe Leg Injury
Those who let their attention slip on the jobv may inadvertently contribute to serious injuries or deaths. Texas worksites are active accidents looking for a place to happen. Workers could easily suffer serious injuries if their coworkers are not following proper safety protocol. All it takes is a moment of inattention. Edward Acclis, Jr. is…
Read MoreAuto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE FOUR: Looking Solely To Price And Not Knowing What You Are Buying
You see or hear many insurance companies saying that you can save money simply by switching insurance coverages. But prospective buyers shouldn’t just look at the price. Usually, the price is lower because you’re not comparing the same products. The new insurance company may be offering lower limits, not selling you the same coverages, or…
Read MoreAuto Accidents: Top 9 Mistakes When Buying Your Auto Insurance MISTAKE THREE: Getting Burned By "Excluded Drivers"
Generally, when you buy auto insurance, the policy will cover you, your family, or anyone else who has permission to drive your vehicle. Thus, if you or your child or your best friend are driving and cause a wreck, the insurance will protect all of you. This is a big benefit. You never know when…
Read MoreCatholic Church Faces Wrongful Death Lawsuit in Drug Overdose Case
The family of a drug overdose victim has filed a wrongful death lawsuit against an archdiocese of the Catholic Church. Wrongful death lawsuit legislation differs from state to state, but the basis of that legislation is the same no matter where the suit is filed. While the details of this case are particularly relevant to…
Read MoreAuto 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…
Read MoreAuto 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…
Read MoreSerious Personal Injury May Happen While Texting And Walking
No doubt you have seen the video of the woman texting and falling into a fountain at a shopping mall. While the video was funny and no one was serioiusly hurt, the ramifications for texting and walking have the potential to be fatal. It used to be that everyone got to where they were going…
Read MoreAuto Accidents: Understanding Texas Auto Insurance: MEDICAL PAYMENTS COVERAGE
Medical payments, or MedPay, is similar to PIP. However, MedPay only pays for medical expenses (and not lost earnings). The other significant difference is that MedPay does have a subrogation interest. If you’re in a wreck and make a recovery against another party who caused the wreck, then you would have to reimburse your insurance…
Read MoreAUTO ACCIDENTS: Understanding Texas Auto Insurance: PERSONAL INJURY PROTECTION
Personal injury protection coverage (PIP) provides benefits to you, your family members, or others riding in your car when you’re in a wreck. The coverage will pay for your medical expenses and 80% of your lost wages caused by injuries sustained in the wreck up to the limits of your policy. Unless you specifically reject…
Read MoreAuto 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…
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