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Underinsured Motorist Coverage

Underinsured motorist coverage (UIM) is similar in premise to uninsured motorist insurance coverage. UIM protects you in the event you are in a Houston car accident with a driver who, while they have insurance, does not have enough to cover costs of the accidents.

If you get in an accident, and the at-fault driver doesn’t have enough insurance coverage to pay for damages, repairs, and any medical bills, UIM coverage will pick up the difference. UIM coverage is just another way to protect your finances in the event of a car accident.

Medical Payments Coverage

Medical payments coverage is a type of motorist insurance coverage that covers medical costs only. You may think that just because you have regular health insurance you don’t need medical payments coverage on your auto insurance; however, that’s often not the case.

Medical payments coverage, unlike typical health insurance, covers the medical bills of any passengers involved in a car accident, including those in your car, if you’re a passenger in another car, or if you’re hit by a car as a pedestrian. Oftentimes, medical payments coverage will cover the deductible costs required by health insurance plans.

Gap Insurance

Gap insurance is a good type of coverage to have if your car is fairly new or you’re still making payments. In the event that your car is totaled in a car accident, gap insurance covers the difference between what the car is worth and what you still owe.

In order to ensure you and your family are properly protected in the event of aHoustoncar accident, it’s important to know what motorist insurance coverage options are available and which could best serve your needs. The right combination of insurance coverage could mean the difference between financial stability and crippling debt if you or a family member is involved in a car accident.

Contacting a Texas Injury Lawyer

Were you injured in an auto accident? Contact a Pearland personal injury attorney at the Kahn Law Firm to ensure you receive compensation toward medical bills, damages, and repairs. Call 713-999-6549 or toll-free at 1-844-301-KAHN to begin discussing your case today.

Entrusting another person to take care of your children is a serious responsibility. Your Texas day care provider has an obligation to provide your child with a safe and comforting environment in which to spend his or her days. Unfortunately, not all day care providers adequately protect the young lives that they are entrusted with. Texas day care negligence is a frightening problem facing parents throughout the state.

While attending day care, your child can be injured in a number of ways. To avoid potential injuries, the provider has an obligation to diligently conduct inspections of the facility and monitor its students and teachers. Examples of causes of Texas day care injuries include the following:

• Falls from playground equipment, tables, or chairs
• Allowing children to play with defective or unsafe toys or playground equipment
• Failing to properly upkeep equipment
• Inadequate supervision, leading to choking, drowning, or falls
• Improperly trained staff
• Negligent background checks of staff
• Injuries caused between children
• Physical or sexual abuse by staff
• Transporting the child without proper safety seats
• Transporting the child while intoxicated
• Inadequate number of staff on duty or insufficient breaks provided to employees

Following an injury, the financial implications of the Texas child care accident may be substantial. In a claim against the day care provider, the child’s guardian can pursue damages for the following costs:

• Immediate medical treatment after the accident
• Anticipated future medical expenses relating to the injury
• Pain and suffering
• Costs relating to therapy and counseling to address the emotional aspects of the injury

While there is no way to entirely avoid the risk of an accident at a Texas day care center, there are several steps that parents can take to reduce the likelihood of injury. These steps include:

• Choose a center that allows parents to come in and out freely
• Inquire about the education, background checks, and training of all employees
• Discuss the discipline policies used by the center
• Learn which staff members will interact with your children and how many employees are on duty per child

If your child was injured as a result of Texas daycare negligence, it is essential that you contact a compassionate Brazoria County day care attorney who understands the complexities of these matters. Our attorneys are not just experienced legal professionals, they are also parents. For a free consultation, call our office today at 713-999-6549 or toll-free at 1-844-301-KAHN.

Educating Teenagers What They Need To Do After A Car Accident

It just so happens that many times when you are training your teenagers, you teach them the steps they need to take if they ever face a car accident. However, when you are instructing your teenagers you should put great emphasis on the lesson and even build them a whole picture to help guide them.

When your teenager reaches age 16, they will likely begin driving. Nearly all parents face this situation which can be scary. In such scenarios, it would be great to teach your kid the right rules of driving a vehicle along with teaching them what they should do if they ever face an accident. Here are some things that you should talk about:

1. Teens Need to Stay Calm

Panicking might not be such a smart way to work through the problem. When someone experiences a car crash, their mental state is going to be out of place. He will feel a variety of different feelings like fear, nervousness, anger, and shock all together. In times like these, you should take a long deep breath and do your best to stay calm.

2. Report the Accident and Seek Help

They should call the police and report any injuries if possible.  After making sure the passengers of the other vehicle are ok, remind them not to discuss the accident with anyone except for the police.

3. Don’t Leave the Site of the Scene

Remind your child that they should never leave the site of the scene. It could result in criminal charges being filed against them.  Call the police and wait until emergency care arrives.

4. Keep an Emergency Kit

You should keep a kit in your glove compartment. Make sure that you have your insurance card, a paper, and pen in your compartment. A disposable camera and a card with medical and personal details should also be included.  Pictures are worth 1000 words.  Make sure to take pictures of the damage to both vehicles, the other driver’s license plate, insurance card and drivers license as well as your injuries with the camera or your cell phone.

5. When Reporting 

When you are reporting the accident you should make sure that the police officer files a report when you call them. As soon as possible after the accident, file an auto insurance claim immediately with your insurance and the other driver’s insurance.

6. Seek Medical Attention

If your teen is injured in the crash, seek medical attention as soon as possible after the accident.  It is important to follow the doctor’s orders regarding treatment and therapy if prescribed. Continue going to the doctor until you are released.

7. Contact a Lawyer

If there are injuries, contact a lawyer as soon as possible.  We can help you get to a doctor if necessary.  We recommend not giving a recorded statement to the insurance company without first discussing the matter with us.  What you say in a recorded statement can be used against you later if you have a case.

Contact the Pearland Lawyers today for a free case evaluation.  No fee if we don’t win.  All consultations are confidential. 713-999-6549.

Police Look For Signs Of Intoxication

Police officers look for certain signs to ascertain whether a person has been drinking and driving, including:

• swerving;
• braking erratically;
• tailgating;
• weaving; or
• driving 10 miles below the speed limit.

When speaking with the officer, the following can indicate intoxication:

• a flushed face;
• slurred words;
• unsteady balance; and
• being overly argumentative or friendly.

Breathalyzer tests are the preferred method of evaluation by officers (as opposed to blood or urine tests); however more and more officers are obtaining a warrant to perform a blood test. Although you have the right of refusal for a breath test, doing so may mean a driver license suspension of 180 days and possibly having your blood drawn from a warrant. If you do submit to the test and have a blood alcohol content (BAC) of over a 0.08, you may still face a license suspension of 90 days.

Contacting a DWI Lawyer in Texas

Serving the Greater Houston Area, the Pearland lawyers at the Kahn Law Firm handle practice areas of personal injury and criminal defense. Advocating for those charged with alcohol-related offenses like DUI and DWI, the Kahn Law Firm’s attorneys are experts on the how field sobriety tests should be administered and evaluated. For a free consultation, call today – 1-844-301-KAHN.

Side Effects Of Dangerous Drugs

Drug injury lawyers regularly handle drug injury claims for consumers who’ve experienced a wide range of harmful side effects from medications. If you believe you’re experiencing side effects or a health condition due to a drug you took, you’ll want to contact a Pearland lawyer as soon as possible to discuss filing a Texas personal injury claim.

Many drugs on the market can cause a frightening (and potentially deadly) slew of side effects, such as: 

• kidney damage;
• major gastrointestinal problems;
• heart attacks and heart failure;
• strokes;
• diabetes;
• high blood pressure;
• birth defects;
• brain damage; and
• certain types of cancer.

Whether it’s an antidepressant, a birth control drug, a weight loss pill or an arthritis medication, the manufacturers of prescription and over-the-counter drugs have a responsibility to take the necessary precautions and put safe products on the market.

Filing a Dangerous Drug Claim

Some of the side effects of a medication can far outweigh the benefits and cause serious detriment. If you’ve been subjected to a dangerous drug, you reserve the right to seek compensation for your drug injury. Likewise, if you’ve lost a loved one due to using a medication, you can consult a Pearland lawyer to see if pursuing restitution is feasible given your specific circumstances.

Be forewarned that a Texas personal injury claim that involves dangerous drugs is complex and lengthy. Pharmaceutical companies have teams of legal professionals ready to represent them, and this is definitely not the type of claim you want to face without your own legal experts fighting for your best interests.

When you work with drug injury lawyers, they will: 

• examine your medical records and injuries;
• attempt to determine the causes and extent of your injuries; and then
• put together a solid case that takes all of your losses and expenses into consideration.

Contacting Pearland Drug Injury Lawyers

When you have experienced legal representation on your side, you can rest assured that your attorney will fight for all compensation to which you may be entitled, including past, current and future medical expenses; pain and suffering; lost earnings or earning potential; or wrongful death benefits.

While you focus on your recovery and emotional wellbeing, you should have Pearland drug injury lawyers at The Kahn Law Firm advocating for your rights. Contact us today – 713-999-6549 or toll-free at 1-844-301-KAHN.

When you or a loved one suffers serious injuries in a Texas car accident or any other kind of accident, it’s important that you seek immediate medical attention, and when capable of doing so, you should speak with a Manvel lawyer to discuss filing a Texas personal injury claim.  If it can be determined that another party’s negligence caused the accident, you may be entitled to compensation.

How to Hire a Lawyer for Your Texas Personal Injury Claim

You may be wondering how to hire a lawyer if this is the first time you’ve ever been in need of one. It would be a good idea to seek referrals from people whose opinion you trust and to check out lawyer websites, which can provide a wealth of information. Next, you can schedule a consultation, which is usually free, and interview a few lawyers.

The right lawyer for your Texas car accident case will be someone who you feel will keep your best interests in mind when fighting for your rights.

Things You Can Do Now to Help Your Claim

Although things may be quite confusing in the aftermath of an accident, there are some things you can do that will help your lawyer work toward obtaining fair compensation for your injuries and other losses. The first thing you should do, as noted earlier, is get medical care. It’s also important that you adhere to the schedule of all your appointments and follow all of your doctor’s orders. If your doctor advises you to take off from work, then stop working.

Aside from medical treatment, you should also collect as much evidence as possible. Take many pictures of the accident scene from different angles. If you are in no shape to take photos, ask someone else to do so. You’ll want photos of:  

• skid marks;
• road conditions;
• property damage; and
• anything else that may have contributed to the accident.

By contacting a Manvel lawyer, you can start preserving all the evidence right away.

When you are charged with a DWI, the punishment that you may be facing in the future can range from fines, community service, suspended license, and even jail time. If you believe you have been wrongfully convicted for a DWI charge, a lawyer in Texas from the Kahn Law Firm can support you throughout your case to help secure your future.

DWI LAW IN TEXAS

In Texas, driving while intoxicated (DWI) is the charge of operating a motor vehicle while having the lost of their use of their normal mental and physical facilities due to alcohol or drugs or with a Blood Alcohol Concentration (BAC) of 0.08 or more.

Minors may also be charged with driving under the influence (DUI).  The law does not require much by way of proof; an officer can simply smell it on your breath, or ask you to perform a sobriety test. Considering this, it is best to practice your right of remaining silent, until you get in touch with an attorney.

WHAT IS DWI CONVICTION PUNISHMENT?

If your BAC is over 0.08 or the officer believes you are intoxicated based on field sobriety tests, you may be charged with DWI, which carries stiff penalties.  A first offense carries the following penalties:

• A maximum fine of $2000.
• A minimum of 3 days and a maximum of 180 days of jail time.
• Driver license suspension between 90 days to 1 year.

Being charged with a DWI can have a serious affect on your future. Especially if you believe that your charge is unfair, or otherwise handled unprofessionally by authorities, which resulted in an inaccurate account of DWI, it is highly advised to obtain legal counsel on your side by contacting a DWI lawyer in Texas at the Kahn Law Firm at 713-226-9900 or toll-free at 1-844-301-KAHN.

Not sure if you need an injury attorney in Houston? We can help you to determine if your case would benefit from the help of a Texas injury attorney.

While not all personal injury cases necessitate a lawyer, some of them do.  If your accident resulted in superficial scrapes or bruises and property damage, you should be able to handle your case without a lawyer. However, if you or a loved one has suffered serious injuries, such as brain damage, spinal cord trauma or multiple fractures, you may benefit by having an injury attorney in Houston handle your case.

When You Need a Texas Injury Attorney

In order for personal injury cases to be successful, negligence will need to be proven. Because Texas follows a modified comparative negligence 51% rule, you will need to be 50% or less at fault in an accident to recover damages. If you are found to be 51% or more at fault, you will not be entitled to compensation. For this reason, the other party involved in the accident will do everything to make you look as if you were more than 50% at fault.

Proving negligence can be very difficult without the guidance of an experienced Texas injury lawyer, and once negligence is proven, the next hurdle will be dealing with insurance companies.

The more severe your injuries, the more money insurance companies should pay out. If you try to go against an insurer without an injury attorney by your side, you’ll stand the risk of being taken advantage of. For example, you may not be aware of all damages that you may be entitled to, including:

• past, present and future medical expenses;
• lost earnings;
• lost earning potential;
• altered quality of life;
• physical and emotional pain and suffering;
• property damage; and
• any other expenses directly related to your accident.

It’s common for insurance companies to offer a quick settlement in hopes that you will accept it on the spot. However, a shrewd injury attorney in Houston will be quick to advise you to wait before accepting any settlement. If you accept a low settlement now and require more medical care in the future, you’ll end up short-changed.

Contact an Injury Attorney in Houston for Help

Remember, insurance company representatives work for the insurance company, not for you. When you hire an injury attorney after a serious accident, the attorney will work for you and keep your best interests in mind.

If you still have any doubts as to whether you need a lawyer, you can always contact a Texas injury attorney at The Kahn Law Firm for a free consultation to discuss your case. If it is determined that you have a personal injury case worth pursuing, we’ll allow you to focus on your recovery while we focus on advocating for the compensation you deserve. Call The Kahn Law Firm at 713-999-6549 or toll-free at 1-844-301-KAHN.

What To Ask A Houston Dwi Attorney

If you have been charged with drunk driving under Texas’ DWI laws, you may be facing serious and strict penalties if you are found guilty, which is why it’s so important that you retain the services of a Houston DWI attorney who handles manyDWI cases and can explain your charges as well as the possible outcomes to you in plain English, devoid of the typical legal jargon.

When you are hiring a DWI attorney in Houston, you should take the opportunity to meet with lawyers in an initial consultation, which most lawyers offer free of charge so that you can get a feel for how they work and get your questions answered.
The initial consultation is an excellent opportunity to learn about the attorney’s skills, background, and credentials. Consider asking the following: 

• How many of your DWI cases have gone to trial? Sometimes prosecutors will offer a plea bargain, but in some cases, that’s not good enough, and you need to know that your attorney won’t back down when your rights are on the line.
• Who will handle my case? In some cases, one attorney will meet with you and conduct the consultation, and then an associate will meet you in court. Find out in advance exactly who will be handling your case.
• What are the upfront fees and total fees? You don’t want any surprises on this one.

Contact a Houston DWI Attorney

When you have experienced legal representation on your side, you can rest assured that your Houston DWI case will be handled with professionalism and confidence. Texas DWI laws can impose harsh penalties on those convicted of drunk driving, and the attorney in Houston that you choose to represent you can mean the difference between jail time and getting on with your life. Contact us today to learn more about Texas DWI laws and what an attorney can do for your case – 713-999-6549 or toll free 1-844-301-KAHN.