This Blog was brought to you by the Carabin Shaw Law Firm, Principal Office in San Antonio

Everyone who drives a motor vehicle on a public roadway in Texas must purchase – at a minimum – three types of automobile insurance.

All Texas drivers must have:

1.Liability Insurance: This insurance covers damage to other people’s property, including vehicles, if you are in an accident. In Texas, Liability insurance does not cover medical expenses.

2.Personal Injury Protection (PIP) Insurance: This is the insurance that pays for medical claims by you or by anyone else involved in an accident that involves your vehicle. In Texas this is sometimes referred to as No-Fault insurance since this portion of your insurance pays for medical expenses regardless of whose fault the accident is eventually deemed to be. More about Car Accident Attorneys San Antonio here
3.Uninsured Motorist (UM) Insurance: This insurance pays for both medical claims as well as property damage if you are involved in an accident with someone who does not have any insurance or who does not have sufficient insurance to cover the claims resulting from an accident.

The basic minimum coverage in Texas is what is known as 15/30/5. What this means is that you are required to have Personal Injury Protection Insurance (PIP) that covers up to $15,000 of medical protection per individual with a cap of $50,000 of medical coverage per accident. You are also required to carry $5,000 of Liability Insurance to cover any property (including vehicles) that you might damage in an accident.

Under Texas state law you are not required to have any other coverage in order to drive a vehicle. However, if your car is being financed then your lender may very well require that you also purchase comprehensive coverage as well as collision coverage and that you buy considerably more than the state-required minimum for Liability, PIP and Uninsured Motorist.

Even if you own your car outright and are not required to purchase anything more than the bare state minimum for insurance you may very well choose to carry higher coverage. This is especially true for anyone who owns a home, has a savings account, or for anyone who has any other assets that they wish to protect.

Just one accident-spawned lawsuit could see your home taken from you, your bank account wiped out, and any and all other assets that you own turned over to the prevailing party. In other words, if you don’t have sufficient automobile insurance coverage you could lose everything in an accident.

Once you (or your lender) have decided on the amount of your full coverage insurance then it is time for you to go online and find at least 3 of the dozens of websites that will let you quickly and easily find out how much your policy will cost from different insurance companies. You will find that there can be a considerable difference in price from one company to another.

Don’t get lazy and just compare prices on one website. No website compares prices from all the different insurance companies, so if you want to insure that you are seeing the widest range of prices possible you will need to make your comparisons on at least 3 different websites.

But once you’ve done that then all you need to do is to choose the lowest price and you’re done. You now know what to look for in a full coverage car insurance quote in Texas and you know how to find the best price for your coverage.

Please note, the Carabin Shaw Law Office has moved to 875 E Ashby # 1100 San Antonio, Texas 78212

This Blog was brought to you by the Carabin Shaw Law Firm, Principal Office in San Antonio

MOTORCYCLE ACCIDENT DEATHS

Motorcycle accident deaths claim the lives of more than three thousand people every year. The DOT presented evidence that motorcycle accident deaths are up eleven percent. In addition to motorcycle accident deaths, approximately fifty thousand people are injured in motorcycle accidents every year on our nation’s streets and highways. Motorcycle accident deaths and injuries pose a more significant threat to motorcyclists than deaths and injuries in other motor vehicle accidents. One of the most significant factors that increase this risk is the failure of other motorists to detect and recognize motorcyclists in traffic. Negligent vehicle drivers often fail to see and avoid motorcyclists on the road. Nearly three-fourths of all motorcycle accidents involve a collision with another passenger vehicle. Motorcycles offer much less protection to their drivers than other motor vehicles, which contributes to the risk of motorcycle accident deaths. Five types of accidents result in motorcycle accident deaths:

Motorcycle accident deaths occur most often when a motorcycle rides or is driven off the road.
Almost twenty percent of motorcycle accident deaths result from another motor vehicle failing to obey a traffic signal.
Head-on collisions account for more than ten percent of motorcycle accident deaths.
Passenger cars turn in front of a motorcycle.
Motorcycles going down on the roadway.

The severity of most motorcycle accidents increases with motorcycle speed, the size of the motorcycle, and the involvement of alcohol in the accident. Nearly one-half of all motorcycle accident deaths are caused by accidents where alcohol use is involved. The lack of helmet use also drastically increases the risk of motorcycle accident deaths. Motorcyclists who do not wear helmets are forty percent more likely to suffer a fatal head injury than those who wear safety helmets. Motorcycle accident deaths are often the result of severe head, neck, or back injuries. These types of damages are the most fatal in all motor vehicle accidents. More on this webpage

The leading cause of death on our nation’s roadways is attributed to severe head injuries. This is another reason for helmet use’s importance when operating a motorcycle, even for short trips in tight areas. Suppose you have a loved one who died in a motorcycle accident. In that case, you may be eligible to file a wrongful death lawsuit against that party whose negligence caused or contributed to the fatal motorcycle accident. A victim’s beneficiaries may be able to recover damages, including medical expenses, loss of income, and emotional suffering. For more information about motorcycle accident deaths, contact a qualified and experienced attorney who can advise you of your legal rights and options.

IF YOU OR A LOVED ONE HAS BEEN INJURED IN AN ACCIDENT, YOU NEED THE ADVICE OF AN EXPERIENCED PERSONAL INJURY LAWYER. CALL OUR LAW OFFICE TODAY FOR YOUR FREE CONSULTATION.