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Safety Tips for Texas RV Drivers

August 23rd, 2016 by admin

trafficYour RV provides you with opportunities to get away from it all and to get back to nature. These large recreational vehicles, however, present special challenges for drivers on Texas roadways because of their weight and large size. If you are involved in an accident in your RV, you can protect your legal rights by retaining the services of experienced Houston vehicle accident lawyers. A qualified Houston traffic accident lawyer can provide you with the representation needed to resolve legal problems quickly and effectively. To avoid these issues altogether, however, it is wise to follow a few simple safety guidelines each time you are behind the wheel of your RV.

Watch for Clearance

While most major highways offer plenty of clearance for RVs, it is important to know the height of your RV and keep an eye on posted signs to help you avoid difficulties when navigating fast food drive-through lanes and gas stations. Most major chains are designed to accommodate larger recreational vehicles. If you are in doubt, however, it may be best to steer clear of restaurants and gas stations with low clearances altogether. Watching out for low-hanging tree branches and overpasses on rural roads can also provide greater protection for your RV and your passengers.

Allow Extra Room for Turns

The turn ratio of a large RV is much greater than that of a car or truck. By allowing extra room to the left when navigating a right turn, you can avoid hitting the curb or moving too far into the oncoming traffic lane. This can ensure greater safety when managing these turns on Texas streets. Be sure to watch for traffic passing on the left and to reduce your speed when turning right at an intersection. If you are involved in a collision, retaining the services of an experienced Houston accident injury attorney can provide added support throughout the aftermath of these events.

Leave Extra Braking Room

Especially if you spend a lot of time on Texas highways, leaving a gap between your RV and the traffic ahead can help you avoid many problems associated with braking times for these large and bulky vehicles. The weight of your RV can make it difficult to stop effectively on short notice; as a result, leaving plenty of room between your vehicle and the cars and trucks ahead can help you stay safer

Watch Out for Wind

RVs present a high profile on the road. This can make them more susceptible to wind gusts that can reduce stability and control. If possible, pull over or park during periods of high wind. If you are not in an area where this strategy is practical, drive slowly and carefully until you reach a safe area in which you can stop your RV and wait out the storm. Pointing your RV directly into the direction of wind can provide even greater protection against high winds when parking or driving.

Perform Regular Maintenance

Keeping your RV in peak condition can help you avoid breakdowns on the road and can reduce the risks of accidents associated with defective equipment. Braking and steering issues should be addressed immediately to prevent loss of control on the road. Regular oil changes and tune-ups are also important to ensure that your RV stays roadworthy for long journeys and trips across the state.

Back It Up Safely

Recreational vehicles provide severely reduced visibility for backing when compared with smaller cars and trucks. Taking extra care when backing up can help you avoid serious accidents involving pedestrians and other vehicles. If necessary, enlist help to ensure that roadways are clear before backing your RV out of your driveway or parking space.

If you are involved in an accident, calling a Houston traffic accident lawyer right away can help you protect your legal rights and ensure the fastest resolution of these unfortunate situations. Your Houston accident injury attorney can provide you with expert representation to ensure the most positive outcomes for your case. This can provide you with greater peace of mind when driving your RV in the state of Texas.

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Medicare and Medicaid Have To Be Paid Back

August 22nd, 2016 by desimonelaw

Last week the Houston Auto Accidents Attorneys at DeSimone Law Office started a discussion of liens that are placed on an injured party’s personal injury claim.  Liens are legal claims, either contractual or statutory, that have to be paid out of any settlement.  As a matter of fact, if a settlement is paid out without honoring the lien, the insurance company themselves would be on the hook for the lien anyway even though they already paid the settlement. Thus the insurance company will be particularly paranoid about making sure all liens are paid an any car accident.  Any medical bills paid by Medicaid or Medicare for example have to be reimbursed to those entities. Sounds simple enough until you try and obtain them. Medicare has a process that if you manage to wade yourself through all the requirements that they put on you to obtain their lien is a process that will take no less than 90 days. Knowing who to call and what paperwork to send in is something that a lay person will find extremely difficult or impossible to do.  The insurance company likes this fact. If you cannot get the Medicare lien, they have an excuse to never pay any settled insurance claim.  The Medicaid liens are a little easier to obtain but once again if you have never done it, you will find it extremely difficult.  As a matter of fact if you have either Medicare or Medicaid but they have not paid any of your medical expenses related to the accident the insurance company will make you obtain a letter from either one showing nothing has been paid which is just as onerous to obtain as a lien letter.

If you have been involved in an accidnet and have had some of your medical bills paid by Medicare or Medicaid, call the lawyers at DeSimone Law Office.  They have handled such legal matters for many years and will make sure you get the settlement you deserve in a timely manner.

Hospitals File Liens Which Must Be Honored

August 15th, 2016 by desimonelaw

The Houston Auto Accidents Attorneys of  DeSimone Law Office handle many auto accident cases where many hands are in the pot trying to take our clients’ money.  Most of these hands are in the from of  liens, statutory or contractual, which must be paid out of any personal injury settlement.  Any time an injured party is in an accident and goes to a hospital within 3 days of the accident the hospital, any emergency room doctors and any other medical professional that has treated the injured party can file a lien with the county clerk’s office for these medical expenses.  Under the law in the State of Texas these medical providers have to be paid out of any injury settlement.  The problem arises many times in these cases because the hospital bill is many times astronomical and the amount of insurance available for the claim is not. We’ve seen hospital liens that are sometimes more than the insurance policy limits.  These hospital bills are many times what the hospital would charge health insurance.  In other words the hospitals know the law and hope to get many more times for their services out of an injured party’s settlement than they would when being paid by health insurance. Their position is strong. You cannot settle the claim without paying them their exorbitant prices which are well above what is reasonable for their area.   Many claimants are shocked to hear that the hospital wants to get more out of the settlement than they do, and they were the injured party with plenty of lost wages and pain and suffering.  Of course the hospital does not get paid until the injured party agrees to a settlement so the injured party’s attorney, if he is knowledgeable, can negotiate hospital bills down.

If you have been involved in an accident and the medical expenses are piling up, call the lawyers at DeSimone Law Office.  They will make sure you get your fair portion of any injury settlement.

Maintaining Tire Safety of Your Vehicle in Texas

August 10th, 2016 by admin

trafficYour tires are the essential connection between your vehicle and the road. Making sure these auto components are in good working order and are safe for operation on Texas streets and highways can provide added protection against the negative effects of a serious Houston auto accident. The right tires can also prevent unexpected breakdowns that can put you and your family at greater risk on Texas streets and highways. Here are some important tips for maintaining the safety of your tires and your vehicle on the open road to help avoid the need to file a Houston auto personal injury claim.

Avoid Underinflated Tires

According to the experts at the National Highway Traffic Safety Administration, commonly referred to as the NHTSA, underinflated tires can overheat on the road. In some cases, excessive heat can lead to catastrophic failure that could cause an accident. Research included in a 2015 press release from the Rubber Manufacturers Association (RMA) indicates that almost 70 percent of all cars, trucks and SUVs in the U.S. have one or more underinflated tires. Vehicles manufactured in 2008 or after should be equipped with tire-pressure monitoring devices that can warn drivers of seriously underinflated tires. For newer and older vehicles alike, however, checking the pressure of your tires regularly can reduce the risk of accidents for you and your passengers.
Check Your Alignment

Misalignment of your vehicle’s wheels can create uneven wear patterns that can reduce the longevity of your tires and can pose serious risks on the road. The damage caused by misaligned tires can lead to blowouts or unexpected flats that can seriously inconvenience you and your family and may even increase the risk of an accident. By taking steps to correct the alignment of your vehicle promptly, you can extend the life of your tires and ensure greater safety behind the wheel.

Watch for Warning Signs of Tire Failure

Vibrations, unreliable steering and visible wear on your tires are among the most common early warning signs that your tires are nearing the end of their useful lives. Inspecting your tires regularly can help you identify issues with these vital components of your vehicle before they result in an unexpected flat or an accident. If your vehicle pulls to the left or right or makes unusual noises while you are driving, having your tires checked can potentially protect you and your family against

Check Tread Wear

A 2014 study conducted by the RMA found that at least 12 percent of vehicles in the U.S. have one or more bald tires that could present real risks during everyday driving. Especially during wet and icy weather, ensuring that your tires retain enough tread to maintain solid contact with the road can make a real difference in your ability to steer out of trouble and stay safe. Most automotive experts recommend replacing tires at or before they reach 4/32 of an inch of remaining tread. Tires with less than 2/32 of an inch of tread are considered unsafe and will cause your vehicle to fail inspection in the state of Texas. Worse yet, lack of tire tread can cause your vehicle to slide or experience loss of control on slick road surfaces. The RMA recommends checking the condition of your tires and your spare every month and before any extended journeys to reduce the risk of accidents and breakdowns along the way.
Rotate Tires Regularly

Rotating your tires every 5,000 miles can significantly reduce wear and tear and can help you extend the life of these necessary components. If you regularly go off-road or travel on uneven terrain, more frequent checks and rotations may be recommended by your auto care professional. By investing in this low-cost service, you can avoid the expense and inconvenience of auto accident claims in Houston related to premature tire failure.

Taking steps to maintain your vehicle in peak driving condition can reduce the risk of accidents and can keep you safer on the road. If a serious accident does occur, however, consulting with a Houston auto personal injury attorney can ensure the best outcome for your case and can help you obtain the compensation needed to manage medical bills and to restore your car, truck or SUV to good working order. By working with these dedicated professionals, you can protect your legal rights both in and out of court.

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Photographic Evidence Can Greatly Help Your Case

August 8th, 2016 by desimonelaw

The Houston Auto Accidents Attorneys at DeSimone Law Office represent many clients whose cases would be more easily resolved or would settle for more money if clients took photos at scenes of car accidents and also of any injuries.  With the advent of cameras on cellular phones there is really no excuse to be able to get photo evidence at the scene of an accident unless a person is too injured to do so.  Photos of the traffic accident scene and or any personal injuries can be helpful in several ways. Often there is a dispute at the scene of any car or truck accident about how the accident occured.  Pictures of the positions of vehicles taken immediately after an accident can be excellent evidence to assist in an understanding of how an accident happened.  After the vehicles have been moved a negligent party can begin to spin his lies about the position of the vehicle after the accident. Photos of the position of the vehicles will prove up that the negligent party is lying. Pictures of the damage to the vehicles are excellent in backing up a claim of injury from an accident.  Pictures of both vehicles that show significant damage will put an end to the insurance company argument that the injury claimant is not really as hurt as he and his doctor are saying. Pictures of injuries such as bruising, broke bones, and bleeding are more effective in conveying an injury to a jury than words alone. Insurance companies know this and will pay more for claims where there are good pictures of any insurance claimant’s injuries.

If you have been involved in an accident, call the lawyers at DeSimone Law Office immediately.  They have investigators that will help document how your accident happened and your injuries through photographic and other means.

Insurance Companies Try To Starve Claimants Into Taking Low Settlements

August 1st, 2016 by desimonelaw

The Houston Auto Accident Attorneys at DeSimone Law Office have represented many severely injured clients in the past twenty three years who were unable to work for extended periods of times.  With most persons today living from paycheck to paycheck and under large debt burdens waiting on a personal injury claim to settle can be a major life disruption.  As we stated last week the other insurance company will not pay a dime until you are ready to forego any other claims you may have in the future. If you think an insurance company for an at fault driver will pay your medical expenses as you go, you are sorely mistaken.  If you think they will pay your lost time from work while you are recovering from an auto accident,  you are also mistaken.  The game they play is to force and injured party into a situation where they settle their case for pennies on the dollar because they need money today. This tactic is especially used with a major catastrophic injury with broken bones and the need for surgery and where there is a large insurance policy.  The insurance company will not settle the case without a lawsuit because  they want to extend the time they make the injured party financially suffer making it more likely that the injured party will settle for less than what is fair. Also the insurance company would prefer to keep the settlement money working in their bank account for another two years as a lawsuit slowly rolls on.  Commercial insurance companies are notorious for this especially where their insured has a big deductible requiring them to pay a large amount of money before the insurance company has to pay.

If you have been injured in an accident, have been out of work and are experiencing the above tactics, contact the lawyers at DeSimone Law Office.  We have handled these cases many times over the years and will make sure you get all the monies to which you are entitled

Tips for Managing Medical Expenses After an Injury Accident

July 21st, 2016 by admin

HelecopterAfter a major accident, you may be dealing with serious injuries as well as property damage. Managing the costs associated with these injuries can be stressful, especially if prolonged hospital stays or rehabilitation services are required during the recovery process. Consulting with a Houston auto accident compensation attorney can provide added support in dealing with the financial aftermath of a serious crash and can help you and your family achieve a fair settlement for your injuries and losses. These legal professionals can provide you with the representation you need to achieve your goals both in and out of the courtroom setting. Here are four essential tips to remember after a serious accident in the Houston area.

Seek Medical Attention Promptly

Insurance companies have a vested interest in minimizing their financial liability after a covered accident. As a result, your vehicle insurance company may recommend that you wait to seek medical treatment after your accident or may offer to refer you to a doctor of their choosing. In most cases, these delaying tactics are designed to reduce your chance of collecting on your insurance claim. After sufficient time has passed, the insurance company typically rejects or limits the claim because the injuries you claimed cannot be substantiated with medical records from the time of the accident. Rather than waiting for approval from your insurer, it is generally to your benefit to seek treatment using your own health insurance policy to treat your injuries and to establish documentation of your injuries as soon as possible after your accident.

Use Your Own Health Insurance

In most cases, health insurance policies include contractual provisions that can reduce the amount charged for various services. Failing to seek treatment using your own health insurance policy can allow the auto insurance company to deny payment for the part of the claim that would have been covered by this reduction in costs. Conversely, your health insurance provider may try to insist that you file for coverage with the auto insurance company of the person responsible for the accident. Retaining the services of an experienced attorney can provide added help in pursuing your Houston car accident insurance claim in and out of court.

Health Insurance May Not Be Enough

Most health insurance companies pay at least a portion of the medical expenses for covered individuals after a car accident. Deductibles and coinsurance payments, however, are usually paid out-of-pocket by patients well before insurance coverage kicks in and pays for any additional charges. These expenses can quickly add up to major financial drains, especially for families already dealing with repair costs and lost wages associated with serious automobile accidents. An experienced attorney can often provide expert assistance with your Houston car accident insurance claim, allowing you to reclaim your out-of-pocket expenses and to ensure the largest possible settlement for your accident lawsuit or claim.

The Insurance Adjuster Is Not on Your Side

Insurance companies often present themselves as advocates for their own customers and even for those injured due to the negligence of their policyholders. In fact, most insurance adjusters are motivated to deny claims or to make unrealistically low settlement offers to reduce the financial liability for their employers. Insurance companies maintain a team of attorneys who specialize in personal injury and liability cases. The right legal counsel can even the playing field for you and your family and can ensure that you receive the compensation to which you are entitled for your injuries, damages and losses.

Enlisting the help of an experienced Houston auto accident attorney can help you achieve a fair settlement for your injuries and expenses after a serious car crash. By working with these legal professionals, you can put the odds in your favor when negotiating with insurers or pursuing your claims in a Texas court of law.

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The Value Of Your Case

July 9th, 2016 by desimonelaw

The Houston Auto Accidents Attorneys of DeSimone Law Office are often asked by clients and potential clients what their case is worth.  Ultimately the value of any personal injury claim is determined by what a jury would award on the case if they heard it.  How do we know what a jury would do with a particular case? Traffic accident cases are tried every day in courts in Harris County, Texas as well as all the other counties in Texas.  The verdicts on these cases are published for everyone to see.  A review of these verdicts will show the the amounts juries in various counties will award under various fact situations for car accidents.  The jury verdicts published will detail out how the accident happened, the injuries of the complaining party, the amounts of medical expenses and lost wages the injured party incurred and what the jury awarded on the case for the injured party’s medical expenses, lost wages and monies for pain and suffering.  When valuing a client’s case the attorneys at DeSimone Law Office will need to wait until a client is finished with their treatment with their doctors and have obtained the final medical bills and records for their client.  DeSimone Law Office will also obtain the documentation on the client’s lost wages. The medical records will be reviewed to see if there will be any future medical or lost wages for which the the client needs to be compensated.  A review of any photos of the damage to the cars or any of the client injuries will also be reviewed.  Where the accident took place and if the client has any criminal record will also be reviewed amongst other factors that a jury would consider when rendering a verdict on a case. Obviously anybody putting a value on an accident case right after it happens has a very small chance of being correct because at that point very few of the facts needed for a case valuation are ready or available for review.

If you have been in an accident, call the attorneys at DeSimone Law Office .  They will make sure that your case is valued correctly, and you obtain all the monies to which you are entitled.

Getting the Most from Your Houston Auto Insurance Coverage

July 8th, 2016 by admin

trafficAfter a serious automobile accident, many drivers rely on their insurance companies to provide them with financial and legal support in managing repair costs and medical bills. This can lead to the natural assumption that insurance companies are on the side of their policyholders. In fact, these companies are often financially motivated to offer unreasonably low settlement amounts for your Houston auto accident claim and to shortchange you in other ways. Ensuring that you receive the best possible service from your insurer can provide greater peace of mind if an accident should occur. Here are four steps to getting the most from your insurance coverage.

Schedule a Consultation

If you have not had a face-to-face meeting or telephone conversation with your insurance agent in some time, you could be missing out on discounts, new services and other benefits available through your insurer. Changes in your commute or financing status can also impact the rate you pay for auto insurance. Taking time out from your busy schedule to discuss your insurance coverage and current needs with your agent can potentially reduce your monthly premiums, saving you money and ensuring the right coverage for your car, truck or SUV.

Negotiate a Rate

Your monthly insurance premiums can vary significantly depending on a number of different factors that your agent is aware of, including the following:

  • The make and model of your car, truck, van or SUV
  • The age and condition of your vehicle
  • The amount of your deductible
  • The type of coverage you maintain
  • The distance you travel to and from work each week
  • Your driving record
  • The neighborhood in which you live
  • Discounts for multiple vehicles or policies

Each of these factors can make a real difference in the amount you pay each month to your insurer. By discussing your coverage and your rates with your insurance agent, you can often identify areas in which savings can be realized. This can allow you to enjoy added financial resources and improved coverage for your driving needs.

Choose the Right Vehicle

Your insurance agent can provide you with estimates of the insurance costs associated with various cars, trucks and SUVs, allowing you to make a more informed choice in the automotive marketplace. Safer vehicles typically cost less to insure and present fewer risks to drivers and passengers. This can reduce the amount your insurer will be required to pay in Houston auto accident compensation in the event of a collision and can ensure the lowest possible premiums for your auto insurance policy. By consulting with your insurance agent regarding the most cost-effective choices in the automotive marketplace, you can keep your monthly insurance premiums low while enjoying the safest ride possible on Texas roadways.

Enlist Legal Help

If you are involved in a serious accident, retaining the services of an attorney to manage your Houston car accident insurance claim can provide you with the best options for pursuing compensation for your injuries or losses. Unlike the insurance companies, your lawyer will pursue your best interests to the exclusion of any other considerations, allowing you to enjoy the most effective representation and the best possible outcomes for your auto accident claim. These dedicated legal professionals can negotiate with insurance claims adjusters to ensure that you receive every penny to which you are entitled under the terms of your policy.

Taking a proactive look at your insurance coverage and your premiums can help you to negotiate lower rates and more favorable terms for your automotive policy. If you are involved in an accident, investing in expert legal help can provide you with the best possible representation throughout the claims negotiation process and can ensure that you receive a fair settlement for your injuries and losses, allowing you to enjoy greater peace of mind during this difficult time.

Key Factors to Consider When Driving in Houston Construction Zones

June 21st, 2016 by admin

auto accident 2Construction zones can present serious risks for drivers and road workers alike. In the state of Texas, work zone accidents claimed the life of 140 people and caused at least 22,250 crashes. In almost all construction areas, reduced speed limits are posted to protect workers and reduce the likelihood of accidents. Debris in the roadway, heavy machinery and equipment and workers crossing lanes of traffic can present challenges for motorists in construction zones. In some cases, workers and motorists alike may be eligible to collect Houston auto accident settlements due to injuries or losses sustained in these work zones. Here are four factors to consider when navigating Texas road construction zones.

Know the Risks

According to the U.S. Department of Transportation, rear-end collisions are the most common type of construction zone accident. These crashes generally occur due to the slowdown caused by lower speed limits and unexpected stops. Other common reasons for accidents in work zones include the following:

  • Excessive speed that leads to loss of control, especially on curves or turns
  • Narrow lanes that may present added difficulties for large trucks and wide vehicles
  • Inattention or distraction on the part of drivers
  • Merging errors that can cause fender-benders at low speed
  • Equipment or workers in road areas

Staying alert and reducing your speed in construction areas is usually your best defense against involvement in these accidents.

Expect Added Penalties for Work Zone Violations

The state of Texas imposes larger financial penalties for traffic infractions in construction zones. Fines can double in work zone areas, creating an even greater incentive for drivers to slow down and be prepared to stop quickly when traveling through areas where construction activities are underway. This can also provide added protection against the stress and financial costs of automotive accidents, allowing you and your family to stay safer on Texas streets and highways.

Prepare for the Unexpected

Even if you travel through a construction zone every day, you should be alert for changes in the way traffic flows through these areas and for shifts in lane closures. As construction projects progress, the need to close specific lanes or to block areas with heavy equipment can also change. You can lower your risk of an accident by keeping a safe distance between your vehicle and other cars and trucks on the road and by staying alert to the changing conditions in work zones every day. Avoiding mobile phone use and other distractions can also help you to avoid accidents and to reach your destination safely when traveling in areas of roadwork in Texas.

Drive Courteously

Showing courtesy to other drivers by allowing them to merge into traffic and providing them with plenty of room in construction zones can reduce your risk of being involved in a road rage incident. Because of the high degree of traffic congestion associated with larger work zones, drivers may have to wait longer to reach their destinations. This can increase frustration that can sometimes lead to angry and even violent responses on the road. By taking extra care to drive courteously, you can stop these incidents before they begin and can protect yourself and your family in Houston construction zones.

If you or someone you love has been involved in a work zone accident, consulting with a qualified Houston auto injury attorney can provide added support throughout the legal process. Your Houston traffic accident lawyer can negotiate for you and your family with insurance companies and can represent you effectively in court, allowing you to enjoy the best possible outcomes after these traumatic events. By retaining the services of an experienced personal injury attorney, you can obtain fair compensation for injuries and financial losses caused by auto accidents in the Houston area.

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