Use Your Street Smarts – Be a Decision Driver

These driving tips are courtesy of Liberty Mutual Insurance Company.

Avoiding traffic accidents is a combination of skill and making appropriate decisions based on what is going on around you. There’s a direct correlation between crash-free driving and the decisions you make and the actions you take. That’s why Liberty Mutual developed Decision Driving – a five point, action-oriented program geared toward reducing crashes:

1. Expand your look-ahead capacity. Rather than always focusing directly in front of your vehicle, glance farther down the road—where many trouble spots begin.

2. Size up the whole scene. Continually scan for bicyclist, pedestrians, construction, traffic congestion. erratic drivers and changing road conditions. Avoid staring at any object for longer than two seconds and check your mirrors every few seconds.

3. Signal your intentions early. Use your turn signals, horn and lights when appropriate. By giving advance notice of what you’re planning to do, you’ll encourage other drivers to make correct driving decisions.

4 Plan an escape route. Timing your passing moves Carefully, avoiding tailgating and figuring a way out of a potential problem can help you avoid a crash. Think ahead and allow yourself enough time, space and visibility to stop or maneuver smoothly.

5. Take decisive action. If you practice the first four principles, you should know what to do if a traffic emergency arises, and you’ll have the time and space to do it safely. Make a decision and then do it!

Ultimately, becoming a decision driver contributes to you being a safer and, hopefully, a crash-free driver.

Dealing with the Insurance Company

If you’ve been injured in an automobile collision you should of course first seek treatment for your injuries. But the next thing you should do is to contact an experienced personal injury law firm. You have rights and responsibilities following a collision, and it is important to have those matters explained to you as soon as possible – before you say or do the wrong thing.

If you’ve been involved in a minor car accident – with no injuries – you probably don’t need a lawyer. Our Texas Non-Injury Accident Kit answers your questions and tells you what you need to do to make sure you’re treated fairly. This kit is too large to be included online. To obtain a free copy, please call us or use our Guestbook request form.

For free advice and helpful information after a motor vehicle accident, call us now.

Automobile Insurance Limits

Automobile Insurance Limits

You might think million-dollar insurance settlements and jury verdicts are common. They are not.

Your odds of being on either end (payer or payee) of a million-dollar suit are less than your odds of winning the big prize in the Texas Lottery. These long odds are not good for lottery players. However, they are good for injury claims.

You do not want to sue or be sued for a million-dollar injury. Claims of this size generally are reserved for those who suffer catastrophic injuries. Money never can adequately compensate for these losses.

But while million-dollar injuries are rare, claims that exceed minimum levels of insurance coverage are somewhat more common.

A million dollars in liability insurance coverage may be unnecessarily high for most people, but it appears that most Texans are seriously underinsured.

Most automobile owners who have insurance carry only the minimum levels of coverage required by state law. The majority of homeowners and renters are no better protected.

These coverages are inadequate for most people.The effect of insufficient insurance protection can be devastating. Because marginally higher coverage is so affordable, it is unwise to run even the modest risk associated with having only a minimum amount.

We recommend at least these levels of insurance coverage for all automobile owners:

Personal Injury Liability – $100,000 per person / $300,000 per accident
Property Damage Liability – $50,000
Personal Injury Protection – $10,000
Uninsured Motorist – $100,000 per person / $300,000 per accident
Underinsured Motorist – $100,000 per person / $300,000 per accident

Homeowners and renters should have liability protection of at least $100,000 per person / $300,000 per accident.