NEW CAR WRECKS CALL 972-833-8000, AVAILABLE 24/7

Our client was rear ended by a reckless driver who was driving under the influence causing injuries including multiple cervical herniations, left shoulder impingement, post-traumatic headaches and muscle spasms. They failed to stop and render aid to our client, nearly striking three other pedestrians on a nearby sidewalk. Our client attempted to self-treat, however, her pain continued to intensify and she contacted our office for assistance in seeking medical care. We fought and won policy limits of $250,000.

Our client was rear-ended by a driver who was speeding and changing lanes when unsafe. She suffered a deep laceration to her head, multiple contusions to her body, cervical, thoracic, and lumbar pain. Our client sustained a mild traumatic brain injury including nausea, anxiety, dizziness, and headaches. With our guidance, our client was able to receive essential medical treatment for her injuries and was awarded $150,000.

Memorial Day, the most somber of all holidays and the first holiday of the summer, is actually the most dangerous holiday to drive according to the NHTSA. Drivers may become frustrated with a surge in traffic due to an increase in summer travel, road construction, the heat, and subsequently will drive more aggressively.

Memorial Day has 76 more fatal crashes than the average four-day period and 21% more than the average holiday.

Traffic spikes, partying, and drunk driving all contribute to the rise in fatalities during this holiday. Car crashes are 4x more likely on Memorial Day weekend. 37% of fatal crashes involve a drunk driver and 52% of traffic deaths occur when someone isn't wearing a seat belt. 12 red lights are run through every second during the weekend.

Here are some helpful tips if you have to be on the road this weekend:

If you find yourself in an accident with a drunk driver this weekend, call our office at 972-833-8000. We can get you into treatment by the next day or sooner.

Policy limits establish the total amount of recovery available to you based on what the policy holder has through their insurance company. This is great for insurance companies but not so great if you have been seriously injured.

In Texas, motorists are required to have liability insurance with minimum limits of 30/60/25. This translates to up to $30,000 for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. Of course, some drivers may have higher limits and commercially insured vehicles usually have much higher limits.

Notice that it is "up to" a certain dollar amount.

Insurance companies are businesses and they want to limit payouts as much as possible. Car insurance companies are notorious for offering low-ball settlements regardless of your injury severity. You should consult with an experienced personal injury attorney if this happens to you.

There are many factors insurance companies consider in a car accident. The obvious one is how severe are the injuries?

A person who has significant trauma due to an accident, like a brain bleed or broken bones, may be awarded the full policy limits available to them. Whereas, a person who suffered minor, soft tissue injuries, like whiplash, may receive a minimal award.

Another factor is the potential for multiple claimants. Once there are more than two claimants involved, it is a race to settle first and the amount potentially available to you begins to diminish significantly. There is only so much of a pie to go around - it is possible for one person to take half before the other claimants get a piece.

We know what you're thinking - simply divide the total amount per accident by the number of claimants to determine how much each person gets - but that is not the rule.

Insurance claims in Texas operate on a first-come, first-served basis. Whichever claimant files and settles their claim first has the potential to receive the most money based on their injuries and medical bills.

What can I do to make sure my injuries and medical expenses are taken care of?

One of the best things responsible drivers can do for themselves before they're in a car wreck is to ensure they have the right coverages on their own car insurance policy. Our attorneys recommend that you purchase as much insurance as you can, specifically, Personal Injury Protection (PIP) and Uninsured/Under Insured Motorist Coverage (UM/UIM).

If you are hit by an at-fault driver, you should contact a car accident attorney as soon as possible. An experienced law firm will assess the situation, determine your best course of action, and begin building a winning legal strategy.

Stanley & Associates offers free consultations to all prospective clients. There's truly no cost and no obligation - we want you to know your rights and options. Schedule your free consultation today. Call 844-227-9739

In short: liability insurance shields you from being personally liable to pay for damages you caused during an accident.

Texas law requires that all motorists have minimum liability policy limits of 30/60/25. This translates to $30,000 for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. Of course, you can purchase a higher liability policy if you desire.

Read more about policy limits and how they affect you.

Who does this coverage benefit?

Liability Insurance helps protect you and your assets from claims or potential lawsuits if you are found to be at-fault for an accident that caused bodily injury or property damage.

If you cause an accident, your passengers and drivers of other vehicles and their passengers can pursue a claim with your insurance company. The insurance company will pay for the medical expenses of the injured party(s) and repair bills for the damaged property. If a lawsuit is filed against you for the accident, your insurance company will provide a lawyer to defend you in litigation.

If you do not have liability insurance, you could be personally liable for the damages you caused to another in addition to fines and legal ramifications imposed by Texas law.

What does liability insurance NOT cover?

Here are a few things liability insurance does not cover if you are in an accident:

  1. Your personal injuries. Whether you are or are not at-fault, your liability policy does not cover your own injuries. You will need additional coverages, such as Personal Injury Protection (PIP), or Uninsured or Under Insured Motorist (UM/UIM).
  2. Your property damage. Liability only covers damage you caused to OTHER people's property, not your own. Without collision coverage, you could be stuck with repair costs to your own vehicle or paying out of pocket for a rental without rental assistance.
  3. Costs that exceed the liability limits of the policy holder. Once the policy limits have been exhausted, or paid out in full, there is nothing more the insurance company will consider.
  4. Intentional or deliberate acts to cause damage or harm to another. Insurance covers only accidental damage or injury.
  5. Defense of criminal charges. Insurance does not provide defense attorneys for drivers that are facing criminal charges, such as vehicular manslaughter or aggravated assault with a motor vehicle.

This list does not include every scenario or circumstance.

When you drive as much as Texans, it is critical to have the right insurance coverage.

Many drivers often choose a liability-only policy because they believe additional coverage is too expensive or that additional coverages are unnecessary. Even worse, many drivers do not have insurance at all. With 1 in 5 Texas drivers being uninsured or under insured, you may want to consider the risk and rising costs of medical expenses when reviewing your insurance policy.

It is worthwhile to search for a reputable insurance company that offers additional coverages, such as Personal Injury Protection or Uninsured Motorist, at a low cost. If you already have insurance, ask your insurance agent if there are any deals for adding additional coverage to your existing policy.

When should you hire a personal injury attorney?

Immediately after an accident in which you were injured.

If you are not at-fault and are filing against someone else, you may face resistance or outright denial of your claim - even with a police report or witnesses on your side. Keep in mind, insurance companies are a business and their goal is to minimize the amount they have to pay on insurance claims whether you are their insured or a claimant.

Does your insurance adjuster always seem to be on vacation? Do they underestimate how much pain and suffering you've been through but won't allow you to see a doctor? Is the insurance company making a low-ball offer for your injuries? If this sounds familiar to you, consult with an attorney as soon as possible.

Stanley & Associates understands how frustrating dealing with an insurance company can be. We aim to get the best possible award for your case. Call us today at 844-227-9739.

In Texas, it can be difficult to get around without a vehicle of your own and sometimes you have to rely on others to make sure you get from point A to point B. That can mean using a taxi service, like Uber or Lyft, or sharing a ride with a friend or co-worker. Unfortunately, you can still find yourself in an accident caused by your driver.

What can I do as a passenger in an accident?

It's important that passengers take the right steps after an accident to protect their potential claim. It may seem awkward to request insurance information if the at-fault driver is a friend, co-worker, or relative. However, that is exactly what liability insurance is for.

Never tell an insurance company that you were not injured

You may seem fine at first, but car wrecks often leave behind latent injuries that can take days, weeks, and in some cases, months to fully manifest. In fact, do not discuss your injuries with the insurance company at all.

Insurance companies are skilled in asking questions that have hidden legal implications in order to minimize your pain and suffering. Even everyday questions, such as "How are you?", can be used against you.

You should refrain from discussing your injuries until you have completed any treatment plans outlined by your doctor. It is best to consult with a personal injury attorney who can handle these conversations on your behalf and file a lawsuit to protect your rights.

Why would I file a claim on my own insurance if I was the passenger in someone else's car?

You may have additional coverage on your own auto insurance policy, such as Personal Injury Protection (PIP) or Uninsured and Under Insured Motorist (UM/UIM), which can be critical if the at-fault driver does not have insurance or does not have enough insurance to cover your injuries.

Know when to hire an attorney

Car accidents can be very disruptive to your everyday routine. Personal injury attorneys know the ins and outs of the entire process and can develop the best legal strategy for you to win your case.

Stanley and Associates is there for you through the entire process.

When you're already in pain, the last thing you want to deal with is phone calls, paperwork, and arguing with insurance companies. Our team will file all claims for you, handle all communications with the insurance companies, and we work with many physicians to ensure you get the treatment you need.

Best of all, you don't pay us a single dime until we win your case. If we don't win, you don't pay! If you're ready to make a decision, contact us as soon as possible. We are available 24/7 via email or phone call. Call 972-833-8000 today!

Being involved in a car accident is a stressful situation. Add in the possibility that the at fault driver may not be insured is another issue to add onto the whole process. According to the Texas Department of Insurance, an estimated 20%, or one out of every five vehicles in Texas, is uninsured. That's about 4 million motorists driving around without insurance in Texas.

It isn't fair nor ideal to have to protect yourself from someone else's inability to have insurance, but having Uninsured and Underinsured Motorist Coverage on your own auto policy can help mitigate some of those physical and financial stresses.

What is the difference between Uninsured and Under Insured Motorist Coverage?

To simplify, when you are involved in an accident with an at-fault driver that does not have insurance, you can make an Uninsured Motorist claim with your own insurance to help recoup costs related to your damages.

Under Insured Motorist Coverage will apply if the at-fault driver did have insurance but did not have enough under their policy limits to cover your damages.

Find out what to do if you were a passenger in an at-fault vehicle.

Auto insurers in Texas are required to offer UM when purchasing an insurance policy OR they must obtain an authorized signature from the policy holder rejecting the coverage. If the insurance company fails to obtain your signed written rejections, you are covered. It is up to you to reject this coverage, not the insurance company. If you are having difficulty filing your injury claim, contact our office right away.

What is the difference between UMPD and UMBI?

Both refer to subsets of Uninsured Motorist Coverage. UMBI refers to Uninsured Motorist Bodily Injury Coverage. This covers your medical expenses in the event you are injured in a car accident and the at-fault driver was uninsured. UMBI typically covers your passengers for their injuries as well.

UMPD refers to Uninsured Motorist Property Damage Coverage. This covers damage to your car or property after a crash with an at-fault driver who has no car insurance. Pay close attention to this portion of your policy as a payout may be deemed necessary only if the at-fault driver is identified.

A deductible may apply and some UM policies do not include UMPD based on other selected coverages, such as collision coverage.

What can I do if the at fault driver does not have insurance?

Remember, the purpose of maintaining liability insurance is to protect yourself and your assets from a potential lawsuit in case you cause an accident. So, if you are hit by someone who does not have liability insurance, that person has opened themselves to fines, penalties, and legal ramifications. You may be able to file a lawsuit against them in pursuit of compensation for your damages.

Keep in mind that very few uninsured drivers have the resources to pay for personal injury damages. You should consult with a personal injury attorney as soon as possible to protect your rights and potential claim.

Review your policy to see if you have Uninsured Motorist (UM) Coverage - this is an incredibly important protection to include on your policy. UM protects you if you’re in an accident with an at fault driver who doesn’t carry liability insurance - this often includes a hit and run situation in which the at-fault driver flees the scene.

Injured in a car crash? Call Stanley & Associates, Texas Injury Attorneys

If you or a loved one have been injured in an auto accident in or around Mesquite, contact Stanley & Associates for your free case consultation. Stanley & Associates has represented clients across Texas for over ten years. Our firm has successfully won thousands of cases during this time.

Our Mesquite car accident attorneys are available 24/7 to assist you. We work on a contingency fee basis, which means no fee unless we win. Call 844-227-9739

It really depends on who you ask. You might get several different answers from your parents, best friend, or even a co-worker when you're searching for the best auto insurance deals with the best coverages. They all mean well, but it can get overwhelming very quickly if you don't know where to start.

The most important thing to know is that "Full Coverage" is a meaningless term created by salesmen in the insurance industry. Many of our clients were sold "full coverage" insurance only to find out that only their car was protected and none of their injuries would be taken care of after an accident injury. You can imagine how heartbreaking this can be after a catastrophic accident.

Always ask your insurance agent what "full coverage" specifically includes on the insurance policy before signing with them.

Buy coverage that includes protections for your vehicle AND your bodily injuries should you be involved in an accident.

It is important to learn the proper terminology and what they mean so you do not pay for an insurance policy that doesn't benefit you. Depending on the insurance company you choose, you may have options for Medical Payment (Med Pay), Personal Injury Protection (PIP), Uninsured Motorist (UM), and Under Insured Motorist (UIM).

It is important to keep in mind that some of the aforementioned coverages will only apply if you are NOT at fault in a car accident. Med Pay and PIP may apply regardless of fault whereas UM and UIM may only apply if you were not at fault.

Stanley & Associates recommend that drivers include Personal Injury Protection in their auto insurance policy. Due to the rise in the cost of medical bills, we recommend that you carry $10,000 in coverage or more. Even the minimum $2500 can help with out-of-pocket expenses from your injuries.

Not all insurance companies are made the same.

In addition to selecting the right coverage for your car's insurance policy, it is important to know and understand what kind of insurance coverage you have. Read through the terms and conditions of the insurance policy you are buying before signing.

Not only does it pay to drive safe, but knowing the terms of your insurance policy can save you a great deal of frustration. Often times, insurance companies use language or terms within the policy itself that will make it easier for them to deny a claim even if you were not at fault and did everything right.

Confused or getting the run around while filing your personal injury claim? Ask a lawyer.

Many consumers believe that liability coverage also covers them if they are injured in a car accident. It does not.

Through thousands of first hand conversations with our clients, we have noticed that many people believe they have "full coverage". In reality, they have "full coverage" for their vehicle only which typically includes liability, collision, and comprehensive coverages.

Many vehicle owners can see the value in insuring their vehicle when purchasing an auto insurance policy. After all, a vehicle can cost thousands of dollars and is a much needed utility when public transportation is not an option.

Sadly, a lot of drivers choose to protect only their car without consideration for their own potential bodily injuries. If you can imagine your car being a total loss, picture what kind of condition you may be in as a result. It doesn't take much to see the value in including personal injury coverage - which can help with lost wages and medical expenses.

Do not rely on at-fault drivers to have liability insurance.

In Texas, 1 in 5 drivers do not have liability insurance even though it is required by law. Including personal injury coverages on your own policy can bring you peace of mind if you are involved in an accident with someone who didn't have insurance or does not have enough insurance.

It may seem counterintuitive to file a claim on your own policy if you didn't cause the accident. However, that is exactly why you pay those premiums every month - to protect yourself from the financial losses incurred by someone else.

If something were to happen to your car, you would want to be able to get repairs, another vehicle, or a rental as soon as possible. The same urgency should apply to your injuries after a serious car accident. You may be surprised at how affordable it is to include additional bodily injury coverage.

If the insurance company is giving you the run-around...

That means it is time to consult with an attorney. Insurance companies have a team working to minimize your pain, suffering, and injuries so that they don't have to pay. We believe you deserve to have a team on your side fighting for you. Call Stanley & Associates today at 844-227-9739.

The phrases “driving while texting” and “driving while distracted” may seem interchangeable, but “distracted driving” encompasses much more than checking your cell phone at a stoplight.

If you aren't giving your full attention to the road, the cars around you, and the speed limit, you are driving distracted.

In 2011, a distracted driving violation raised a driver’s car insurance rates by less than 16%, equating to less than $100 per year in extra premiums. In 2020, a cell phone violation can increase your insurance premiums by 21.38%.

An average speeding violation increases rates by about $385 per year.

Having traffic tickets, moving violations, and other infractions on your driving record can make it difficult to find affordable car insurance. Most drivers know that speeding tickets affect your insurance rates but many don't realize how much of a premium increase to expect.

From 2019 to 2020, the percent increase on your premium for a cellphone violation stayed the same at 22%, the trend leveling out from its upward climb since 2011. But the penalty for distracted driving has increased notably in recent years as insurers learn more about the costs and more states create laws prohibiting it.

In 2020, getting caught texting or otherwise using your phone while driving will raise your insurance rate by an average of 21.65% ($315) — and in some states more than 45.96%. The total cost to your insurance — the rate impact on your policy for three years — for a texting-while-driving violation is $1,772.

Many drivers simply believe they are better than everyone else on the road at multi-tasking while driving but the human brain cannot handle two thinking tasks at the same time. Your brain toggles quickly between multiple tasks but, when driving, this can slow reaction time and cause crashes.

Be safe by silencing your phone, programming your GPS, and setting up your music while you are still parked.

Sources:
https://www.thezebra.com/resources/research/distracted-driving-statistics/
https://www.thezebra.com/auto-insurance/tickets-violations/
https://www.thezebra.com/resources/research/texting-and-driving-statistics/

More than 700 injury crashes involve distracted driving on a typical day in the U.S.

While the percentage of drivers using handheld devices has decreased in recent years, many experts feel the use of distracting devices is significantly undercounted.

Fact is, drivers frequently lose focus of the road. Their eyes drift and their minds wander as they connect on cell phones or other technologies built into vehicle dashboards.

Studies indicate drivers can be distracted long after programming a GPS device or sending a text via a voice command system. Long enough to miss a stop sign or pedestrian? You bet. At 25 mph, you can travel the length of more than one football field in 10 seconds.

So, let’s now talk about “inattention blindness,” defined as the failure to notice a visible hazard because your attention is focused elsewhere. This phenomenon occurs regularly when drivers are cognitively distracted.

Research shows just listening to a cell phone conversation decreases brain activity associated with driving by more than one-third, leading to safety performance issues, such as the inability to react quickly in congested driving zones.

Think of it as driving blindfolded. Who drives like that?

Of course, using electronics is not the only way drivers can be distracted. Talking or texting on the phone, eating or drinking, applying makeup or shaving, reading a newspaper or book, watching a video, or programming a GPS are all examples of the following distraction categories: visual, manual (taking a hand off the wheel) or cognitive (taking your mind off driving).

All can raise safety risks, not only for drivers but also for those sharing the road around them. Hands-free devices may be marginally safer than handheld ones, but the safest choice of all is not using your cell phone or other technology while you are driving.

The human brain cannot handle two thinking tasks at the same time, such as driving and talking on the phone.

Your brain toggles quickly between these two tasks. When driving, this can slow reaction time and cause crashes. Be safe by silencing your phone, programming your GPS and setting up your radio or music while you still are parked.

Your life is much more valuable than any phone call, text or playlist.

Sources:
nsc.org/justdrive
https://newsroom.aaa.com/2017/10/new-vehicle-infotainment-systems-create-increased-distractions-behind-wheel
https://injuryfacts.nsc.org/motor-vehicle/motor-vehicle-safety-issues/distracted-driving
https://www.cmu.edu/news/archive/2008/March/march5_drivingwhilelistening.shtml

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