Reasons For Uninsured Motorist Coverage

Personal Injury Lawyer

What is UM Coverage? 

Uninsured/underinsured (“UM”) insurance coverage is used to protect you against drivers who have either no liability insurance or not enough liability insurance to compensate you for your damages. Currently, the minimum liability insurance coverage required by law  varies from state to state with some states being as little as $15,000 per person, up to a total of $30,000 per accident. If you are involved in a motor vehicle crash and sustain damages (i.e. medical expenses, pain and suffering,  & etc) greater than the minimums, there will not be enough insurance to fully compensate you. Even worse, if the driver is uninsured, you may not be compensated at all.  However, there is an exception if you were an occupant in someone else’s vehicle containing UM coverage. If that exception applies to you, contact an attorney to discuss your options. 

As explained by a New Orleans personal injury lawyer at The Law Office of Frank D’Almico, JR there are many reasons to have unisured or underinsured auto insurance.

What Types of UM Coverage Can I Purchase? 

When you purchase auto liability insurance, you are typically given the option to also purchase either (1) Economic UM coverage or (2) Non-economic UM coverage(which also includes economic coverage). In doing so, you will be afforded the opportunity to: (1) reject ALL UM coverage; (2) choose “economic only” or “non-economic” limits the same as your liability limits or (3) a lower amount if you had more than minimum liability limits ($15,000). “Non-economic” losses include, but are not limited to, pain and suffering, inconvenience, mental anguish, and others. “Economic” losses include losses that can be measured in specific monetary terms, including but not limited to, medical costs, funeral costs, lost wages and out of pocket expenses. 

Why Was I Not Told About UM Coverage or Why Was I Talked Out of Purchasing Coverage? 

Quite often, clients walk into my office and tell me that they were either not told about UM coverage or were talked out of purchasing such coverage. My explanation usually concerns the fact that UM coverage is (1) inexpensive for the insureds and (2) normally covers severely injured victims. Relative to the premiums paid for other types of coverage, UM premiums are  low. Thus, there is much less of a financial incentive to the insurance company to sell such a policy as compared to others. Further, most UM claimants have sustained severe injuries, rather than those soft tissue injuries that heal after little or no treatment. A UM claimant’s injuries usually involve herniated disc(s), head injury, fractures, open wounds, and others. Such injuries also result in loss of wages and pain in suffering. Therefore, the insurance company is obligated to pay out most of or the total limits of the UM policy. 

If you have not yet purchased UM insurance, it is not too late to have it added to your policy.  The risks of not having UM coverage outweighs the costs of obtaining it. UM coverage is a smart and affordable way to protect you and your family against financial hardship that may result from a motor vehicle crash. 

Car Accident Recovery: What To Do After A Car Accident

Car accidents are common, but what happens after one is far from ordinary. In the following blog, we discuss some of the most important things to do after a car accident.

After a car accident, you might be feeling a great deal of shock or even having trouble thinking clearly about anything else. It’s normal to experience these feelings immediately after a collision, but it’s important to know that shortly after the accident, certain steps need to be taken in order to take care of yourself and your car. The sooner you call a car accident lawyer, the better you will be.

It’s easy to get stuck in a rut after a car accident. You need to recover from the shock, you have medical expenses and maybe work has been impacted by your injuries. It’s easy to feel overwhelmed by the steps that you need to take to recover from an accident. There is no blueprint for recovering from an auto accident. But, there are some steps that you can take to move your recovery process forward.

You should find out about your legal rights as an injury victim. Every state has different laws that govern how victims of accidents can recover compensation for their losses and damages from the at-fault driver or their insurance company. A car accident attorney will be able to explain your rights and how they apply in your situation. If a negligent driver caused your injuries and losses, then that person or their insurance company should be held responsible for the harm they caused you and your family.

Focus on your physical well-being

You might think that getting back on the road as soon as possible is the best way to avoid getting into another accident, but you are more likely to get into a second accident if your body and mind aren’t ready for the stress of driving again. It’s also important not to rush through the healing process—injuries take time to heal, even when you’re doing everything right.

Make Any Necessary Repairs

The next thing you need to do is take care of any damage that was caused by the car accident. The insurance company will help with this process, but it’s still up to you to make sure that everything gets taken care of properly—that includes any physical damage to your car, which may need to be repaired or replaced. You should also try to get any medical bills taken care of right away—if you don’t have health insurance, then this will be a huge expense that can put a real dent in your wallet.

The accident size that you are in should really not matter, if someone was hurt or not. Each accident is different and can be handled in different ways. The best thing to do if you ever find yourself in this situation is to contact a car injury lawyer from Tuttle Law, P.A.

Steps To Take If Your Business Is Sued

mediation lawyer Gig Harbor, WAIt is understandable for any business owner facing a lawsuit to feel a great deal of stress about the matter no matter what side of the legal action you are on. Lawsuits can come from a number of different parties, including customers, suppliers, current or former employees, or even other companies. No matter what type of lawsuit you are facing, there are steps you can take to protect yourself. In order to best protect your legal rights and financial interests, it is important to contact a breach of contract lawyer as soon as possible.

Understand the Lawsuit

Plaintiffs are required to notify a defendant that a lawsuit has been filed. Once you receive notification of legal action, you need to have a skilled and experienced breach of contract lawyer review the lawsuit so that they can determine the best way to protect your company.

There are two major (and very common) mistakes that you need to avoid at this stage of the process:

  • Do not wait to take action – You need to get out in front of the issue. Get your case in the hands of your attorney immediately. By waiting and forcing yourself to play catch-up, you will be hurting your own case. When one party files a lawsuit against another party, you only have a specific timeframe in order to respond. Failure to file a timely response and meet the court’s deadline can result in the other party winning their lawsuit without your side even being heard. Remember, a lawsuit will not go away on its own.
  • Do not contact the other party – While you may be tempted to handle the problem on your own, you should never contact the party who filed the lawsuit. By doing this, you risk damaging your own case. Always go through your attorney.

Prepare a Response

Your lawyer will help you determine exactly how to respond to the lawsuit. Often that involves filing the following two common responses:

  • Motion to dismiss – This type of filing is an official request for the court to throw out the lawsuit in question. Ultimately, a motion to dismiss is a procedural request. With this response, you will not be responding to the facts presented by the plaintiff. Instead, you will seek to win the lawsuit on purely technical legal grounds.
  • Answer – Alternatively, you may also need to file an answer. An answer to a lawsuit is a direct contest to the case presented by the plaintiff.

Contact a Business Law Firm

An experienced business lawyer can evaluate your situation and determine what type of legal recourse you may have. Your attorney will also make sure that your company’s best interests are protected. If you are dealing with a contract issue, contact an experienced attorney, like a Des Moines IA breach of contract lawyer from the Law Group of Iowa.


Factors to Consider When Starting a New Business

Setting up a new business is challenging. Fortunately, you do not need to go through this process alone. Many business owners choose to set up their business operations as a partnership. A partnership offers many benefits for the founders. It can be an excellent way to create a sustainable, successful, and profitable business. Of course, a business lawyer knows that a partnership will only be able to maximize its potential if the partners are able to work together.

If a serious intra-partnership dispute arises, it could potentially destroy the business. It is critical that business partners take proactive steps to prevent disputes. Further, when a dispute does occur, business partners need to know how to protect the legal rights and financial interests of both themselves and their businesses.

Preventing Disputes with a Carefully Drafted Partnership Agreement

When forming their business, partners should always have a written operating agreement. Further, this agreement should not be a standardized form of contract. Instead, it should be drafted or reviewed by an experienced business lawyer. Every business has its own unique set of needs and a good partnership agreement must be individually tailored. A list of non-exhaustive issues that should be addressed within the agreement includes:

  • Day-to-day decision-making
  • How disputes are to be resolved
  • Details about the financial interests and contributions of each partner
  • Information about compensation and distributions
  • The process by which shares of the partnership can be transferred
  • How the partnership can be terminated

Resolving Disputes by Work Collaboratively, Focusing on the Solutions

A partnership dispute can grind even the best company to a screeching halt. In fact, a long-lasting dispute is likely to cause tremendous damage to the underlying value of the business. Ultimately, it is in the best interests of both partners to get any disputes resolved as quickly as possible. The best way to do this is to work towards collaborative progress. By working together, and focusing on the solutions, partners can often find mutually agreeable answers.

Protecting Your Rights; Be Prepared to Exit the Business

Of course, not all partnership disputes can be resolved. In some cases, there are irreconcilable differences or competing visions. When this situation arises, business partners need to do what they can to protect their remaining value and move on. This means exiting the business as quickly and seamlessly as possible. The last thing you want to deal with is a dispute dragging on and destroying the value of the business. A business lawyer can help you dissolve your partnership in a way that will protect your interests and which will be in accordance with the requirements of state business law.

Contact a Business Law Firm Today

Having your own business can be challenging. Fortunately, you do not need to go through this process alone. Call an experienced attorney, like a new business lawyer from a law firm like Kaplan Law Practice, LLC.

Benefits of Having a Criminal Defense Lawyer

Criminal defense lawyers are there for you to protect your rights and fiercely defend you against the consequences of the law. They know how the justice system works and how to navigate it. If you have been charged with a misdemeanor or felony, don’t wait to take action and find out what you can do. Having a lawyer at your side is important to avoid the worst consequences and penalties. You do not want your life negatively impacted for years because you have been convicted of a crime. Learn more by scheduling a consultation now. 

Strengthen Your Defense 

If you decide to waive having a personal lawyer to fight for you, you have a much lower chance of getting the outcome you want. A top-rated and highly experienced lawyer can skillfully defend many types of clients because they have experience with various case scenarios. They have experience dealing with prosecutors, so they know what it takes to prepare a strong defense. You could get more jail time, serious charges, and other consequences if you decide not to have a lawyer. 

Get Your Charge Reduced or Dropped

It is possible to have your charge reduced or even dropped if you can present a compelling defense for yourself. There are several ways to have a charge modified or dropped completely. A criminal defense lawyer like one from Tuttle Law, P.A. may have evidence or find flaws in the charges based on the police officer’s reasoning. They will present these reasons so that there is a strong basis for the charge to be reduced in classification, such as from a felony to a misdemeanor or dropped. 

Achieve a Positive Case Outcome

If you have the right legal assistance, your chances of getting the specific results you are hoping for are much higher. They can protect your legal rights, explain how the laws work and apply to your case, and give you the support you need to have peace of mind regarding your case. Learning about your legal options early is recommended because there is limited time to file a claim. You don’t want the statute of limitations to pass. Consult with a qualified and trusted criminal defense lawyer so that you can discuss your legal situation in detail and explore your options. 

Teen Charged With Murder After Parent’s Divorce

Earlier this year a teen boy from Gig Harbor, WA has been accused with murdering his mother’s boyfriend who they had lived with for some time, according to The Daily News. After the divorce, the father only had the kids on the weekend while they lived with their mom during the week. Many reports show a pattern of dysfunction in the home that could be a contributing factor to the boy’s decisions and actions. The boyfriend reportedly had a history of heavy drinking and domestic violence. The father fought for custody of the children after voicing concerns about the boyfriend, the children’s performance and attendance record at school, and their behavior at school. The court ordered parenting plan has since been adjusted so that the children live with their father on weekdays and their mother on weekends. The boyfriend was found dead in his home and the teenage son, along with a friend, have been accused by police of being responsible for the murder.

Tips for Divorce with Children

The situation above is extreme, but it does make one wonder if steps could’ve been taken to avoid such a tragic and dramatic end. There are concerns that need to be taken in account when divorcing with children involved, as a divorce lawyer Gig Harbor, WA families turn to knows only too well. At Robinson & Hadeed we have experienced divorce lawyers that can assist you with making your divorce a smoother process for you and your family. Divorce isn’t easy, but there are some steps that you can take to improve the process for everyone involved, including your children.

  • Keep the children’s best interests your first priority
  • Don’t talk bad about your ex with your children
  • Explain things to your children at their level
  • Keep communication open with everyone as much as you can
  • Attempt to work with your ex to co-parent

Call Our Law Office

Divorce isn’t an easy process and tends to be very emotionally draining. No matter the situation, we can help you get through your divorce so that you can move on with your life and start planning for the future. Our lawyers are experienced in divorce law, child custody, child support, and more. We can put our experience and legal knowledge to work for you so that you can make your divorce legal and final while also preparing for life after the divorce and how things will look for your children. We understand that you have concerns about the parenting of your children since you are divorcing your spouse and not your children. We take those concerns seriously and want to help you set up a parenting plan with your ex that you both are comfortable with, and feel is best for the children and their future home life. Contact our office today to schedule your initial consultation where you will have the opportunity to ask questions, discuss your family life situation, get legal advice, go over your legal options, and more. 

What You Should Know About Getting a Military Divorce

Military divorces typically aren’t more difficult than civilian divorces, but you are required to abide by special requirements. If you are in the military and wish to get a divorce, it is important to learn the specific laws regarding military divorces. That way, you can avoid making costly mistakes and streamline the divorce process.

Residency and Filing Requirements

Usually, service members and their spouses have a few choices about where they file for divorce. These choices include the state where the filing spouse lives, the state where the service member is stationed and the state where the service member claims legal residency.

Obtaining Healthcare Coverage After a Military Divorce

Following a military divorce, the non-military spouse might wonder how to get healthcare coverage. Luckily, there are a couple of options. First, there is TRICARE, which requires spouses to be married for at least 20 years during the military member’s active service. If the former spouse marries someone else in the future, he or she will lose TRICARE coverage.

If the non-military spouse does not qualify for TRICARE coverage, he or she can buy coverage from the Continued Health Care Benefit Program. The former spouse may receive the coverage for up to 36 months after the divorce was finalized.

Getting the Military Spouse’s Pension

It is a common misconception that non-military spouses have to be married at least 10 years to access their ex-spouse’s pension in a divorce. The truth is that you do not have to be married for a certain amount of time to receive a portion of your ex-spouse’s pension. The amount you receive will depend on how long the service member has been in the military and how long the couple was married. For example, if the service member was in the military for 20 years, but only had been married for 10 years, the other spouse may receive half of the pension that was earned in the 10 years.

Hiring a Military Divorce Lawyer

Military divorces can come with complexities just like civilian divorces. That is why it is important to work with a lawyer who specializes in military divorces. A military divorce lawyer, like one from Robinson & Hadeed, will know about the specific military divorce laws in your state and help guide you through the entire process.

Been in a Car Accident? Don’t Deal With the Insurance Company On Your Own

After being severely injured in an accident that was not your fault, the next steps you take in filing a personal injury claim could determine whether you obtain fair coverage to cover your losses and medical bills, or if you will end up in financial ruin while you recover. Insurance companies are out to make a profit, their goal is to minimize your injuries and reduce your claim as much as possible. Working with a car accident lawyer can make all the difference in how successful your claim is.

Settlement Offer

Once you file a claim with the at-fault driver’s insurance company, an adjuster from the company will call you to find out information about the accident, including details of damages and injuries. The adjuster will record all phone calls about the accident. They will also do their best to trip a victim up during any interviews, trying to get them to say anything that would indicate the victim was actually at fault. Adjusters are trained to ask specific questions and manipulate conversations that could result in the victim saying something that could be used out of context. This is why victims should never speak to anyone from an insurance company without first speaking to a lawyer.

The more complex the accident was, the more likely the adjuster is to offer the victim a settlement amount quickly. They might say their offer is the best they can do, which is usually not true at all. When the extent of the victim’s injuries will require long-term medical treatments or have left the victim with some form of permanent disability, the adjusters will work hard to get the victim to settle without thinking about it.

Before accepting a settlement, it is often better to consult a car accident lawyer who is well-versed in the tricks of the insurance trade. Having an attorney represent you will also make the adjuster take your claim more seriously.

Justifying the Offer

When an adjuster offers an amount that your lawyer thinks is below what the victim deserves, they will need to justify that amount. For each item they present, the attorney will counter those reasons with proof or physical evidence to show why the victim deserves more.

Once the attorney and the victim are satisfied with the settlement amount, a settlement letter will be drawn up that includes the amount and all other stipulations that have been agreed upon.

Contact a Car Accident Law Firm Today

If you have been injured by an at-fault driver, you deserve to be compensated for all the losses your injuries have caused, including medical expenses, lost wages, pain and suffering, and more. To ensure that compensation, you need a skilled attorney, like a car accident lawyer from a law firm like Tuttle Law, P.A.


Reasons to See a Hair Loss Doctor 

Hair Loss Treatment Doctor

Hair loss is an issue that affects millions of people. It is caused by many different things, including genetics, diet and specific conditions. Whether you have a receding hairline or are noticing that your hair is becoming thinner and thinner, there are ways to combat your hair loss that a doctor can recommend. If you want to find a solution to your thinning or balding hair, consult with a skilled hair doctor to get an evaluation and find out what treatments can be most effective at promoting your hair growth.The following are some of the reasons to see a hair loss doctor 

You have a certain medical condition 

Many people who have hair loss have some kind of medical condition. From alopecia to thyroid issues, there are a number of health issues that can lead to hair loss. If you are concerned that your hair loss is due to a medical issue, you can turn to a certified hair doctor so that they can conduct a scalp analysis and complete a physical exam. They will find the underlying cause of your hair loss and find the right treatment option for you. 

Your have a family history of hair loss 

A hair loss treatment doctor like one at Dr. Robin Unger knows that genetics play a big role in hair loss. Receding hairlines are one example of hair loss caused by genetics. Many people have a family history of thin or balding hair, and unfortunately this cannot be controlled. While it is a common issue, it can deeply impact people who suffer from it. If you are experiencing hair loss that is due to genetics, you can receive treatment for it. 

Stress is causing hair loss 

If you are like many people who experience excess stress in their lives, you could be prone to hair loss. Sometimes unexpected hair loss is due to severe changes in one’s life, resulting in increased stress levels. People who feel stressed because of their job or have recently experienced a difficult or traumatic life event can develop sudden hair loss. While this is temporary, it can still have dramatic results, leading to a large amount of hair to fall off. Talk to a hair doctor to see what how your hair loss can be treated.

You want to explore treatment options

The only way to see which hair loss treatments would be for you is to consult with an experienced and qualified doctor. After they complete their consultation, they can tell you which treatments you can consider as a solution to your hair loss. Ask a doctor what kinds of hair loss restoration techniques there are so that you can get treated and get the hair that you have always wanted.

You do not have to live with hair loss. There are safe and effective treatments available to restore your hair, whether you are losing your hair because of genetics, medical condition, or another issue. Schedule a consultation with an experienced and qualified hair loss doctor in your area for more information. 

How To Beat Your DUI Arrest

DUI Lawyer

DUI LawyerIndividuals who are charged with DUI can fight their charges and avoid the harsh consequences of a conviction with the help of a DUI lawyer from The Law Office of Daniel J. Wright. Remember, you are presumed innocent until proven guilty beyond a reasonable doubt. You do not need to prove your innocence—the prosecution does.

The Law Office of Daniel J. Wright is here to help you fight those charges through an aggressive DUI lawyer defense that protects your legal rights and helps you beat the charges against you.

How To Beat Your DUI Arrest

1) Know Your Rights

The first thing you should do after a DUI arrest is talking to an attorney who specializes in these types of cases. You need someone who has the experience and knowledge necessary in order for them to properly defend their clients’ rights when it comes time for trial or plea bargaining negotiations with prosecutors on behalf of defendants facing criminal charges related to driving under influence (DUI)/driving while intoxicated (DWI).

2) Never Answer Any Questions Without A Lawyer Present

There’s no way around this one: If the police pull you over, they will ask questions.

We know that a DUI arrest can be stressful and frightening. It can be frustrating as well because you may want to tell your side of the story and believe that everything will be resolved quickly once you do so. However, speaking to law enforcement without a DUI lawyer from The Law Office of Daniel J. Wright present can create major problems for your defense if the case goes to trial. In fact, anything you say when questioned by police can and will be used against you if your case goes to court.

Why You Need a DUI Lawyer

The best thing you can do to protect yourself from a DUI arrest is to hire an experienced DUI lawyer. If you’re facing a DUI, it means that the police officer who arrested you thinks there’s enough evidence against you to make a charge stick in court. A good lawyer can help you poke holes in that evidence and fight back against the charges.

In some cases, it’s possible to get the charges against you dropped before they even make it to trial. When the police have a shaky case, they may ask their DUI lawyer to negotiate with the prosecution and get them to drop the charges in exchange for not filing a lawsuit against them for wrongful arrest. If this happens, then the charges will never even go on your permanent record.

A DUI arrest can be a scary experience, especially if it’s your first offense. You may be worried and stressed out about the consequences you’re facing — a criminal record, fines, jail time, license suspension, and more. Plus, you might not know if the police officer had a right to pull you over in the first place or if he or she followed proper procedures during your arrest. Even if you believe that your arrest was valid and there’s no way to beat the charges against you, it’s always in your best interest to seek legal counsel as soon as possible.

At The Law Office of Daniel J. Wright, we help clients understand their rights and options when facing DUI charges.