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Auto & Truck Accidents
The Kuzmich Law Firm P.C. handles vehicle-related injury claims. Our goal is to seek the
maximum recovery for your injuries.
The insurance company has exactly the opposite goal - their goal is to pay you
the minimum amount of money possible (also
see Bad Faith Insurance Practices). If you, or someone you
know, has been injured in an automobile collision, don’t trust an
insurance company to be on your side.
You need a professional advocate behind you, from the very beginning to
protect your rights and your claim. We at the Kuzmich Law Firm know how
to deal with insurance companies. Steve Kuzmich’s experience as an
insurance defense attorney has shown him the tricks and pitfalls
insurance companies use to reduce your settlement.
Let our knowledge and experience work for you—call us today.
Is Your Auto Insurance Adequate?
Texas Law requires that you carry a minimum of
$30,000.00 per person and $60,000.00 per accident in liability insurance
coverage on your vehicle. Often this coverage is not adequate to protect
family assets in a case where you are sued for very serious injuries.
For a relatively small increase in your monthly premium, your coverage
levels can be raised to $100,000.00 per person, and $300,000.00 per
accident.
If you want to protect yourself and your family from
drivers who have no insurance, or not enough insurance on their auto
policies, you need uninsured (UM) and underinsured motorist coverage (UIM).
Statistics, in Texas, show that one in five drivers do not have insurance.
In addition to these types of insurance, you can also
purchase Personal Injury Protection (PIP) and Medical Pay (MedPay).
These supplemental forms of insurance will provide you coverage for out-of-pocket medical expenses in an auto accident, regardless of
fault. MedPay has a subrogation right (meaning that it must be
reimbursed if there is a third-party recovery), while PIP does not. In
addition, PIP can be used to cover lost wages, which MedPay cannot.
If you have questions regarding your
policy, please call us or contact your
insurance agent.
What to do in an Accident: When there is an accident, often people are confused as
to what to do. In general, these instructions should provide you
with guidance.
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First, if you or anyone else is injured, call for
medical help . Nothing is more
important than your health and safety.
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Second, call the police! They may not end up coming or making a report in
the case of lesser auto accidents, but it is always a good practice to
call them.
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Third, get the names, addresses, telephone numbers, and
driver’s license numbers of all persons involved in the accident. Also,
be sure to get their insurance company name and policy number.
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Fourth, try to gather information about the time, and
location of the accident, and any injuries that may have been caused by
the accident. If you have a camera, try to get pictures of the scene,
the people, any injuries, or property damage.
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Lastly, call us!
Injuries from Auto Accidents:
Auto
accidents can cause numerous types of neck and back injuries, which can
be as serious as broken vertebrae and herniated discs, or as minor as
sprains, strains, or bruising. The first symptoms to show are
usually neck
pain, back pain, headaches, and/or stiffness.
It is important to receive prompt treatment after the
onset of the first symptoms. This can help minimize the length or extent
of the treatment. If symptoms are left untreated or uncorrected, more
serious problems can develop, such as scarring of the tissues or
arthritic degeneration.
Whether you are injured or involved in a serious or minor accident, we recommend
immediate treatment by either medical doctors, chiropractors, or licensed
physical therapists. The most common treatments performed are x-rays of
the injured area, physical therapy, spinal manipulations, and
rehabilitation. If symptoms are persistent, or become more complex,
referrals for diagnostic testing and specialists may be required.
If you have been involved in an accident and are
experiencing pain, please contact our firm for assistance.
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