Acquiring car insurance can often seem overwhelming or a flat out burden. However, it is very important.

We obtain car insurance because it’s a financial safeguard against damage to your car or injury to you or others, and mainly because it happens to be legally required in some form in the state of Texas. Car insurance is complicated, and drivers often don’t know what to expect from the process.

Let’s break down the basics so you’re better able to find the right coverage for you. Here are six things you need to know, originally written by Neil Richard of Credit.com.

Texas police officers can pull people over and give them tickets for texting and driving. Those caught will face fines of up to $99 for a first offense and $200 for a second offense. The new law also states that if an accident caused by texting and driving results in the death or serious bodily injury of another person, they can be charged with a Class A misdemeanor punishable by a fine not to exceed $4,000 and confinement in jail for a term not to exceed one year, in addition to any other charges/punishments.

Advocates against handheld phone use say the new law will save the lives of both would-be distracted drivers, and the people they might have struck in accidents.

“The new law will help reduce crashes, save lives, and make Texas roads safer for everyone,” Kent Livesay, vice president and general manager of AAA Texas, said in a statement. “This new law will make travel safer for every Texan.”

With the convenience and popularity of peer-to-peer ride sharing services like Uber and Lyft, there is a very good chance you have experience more than one ride – or at the very least, we all have that one friend who rarely drives anymore and does nothing but sing the praises of Uber because of the ease and safety.

Or, as a frequent rider, you may have shared a horror story of untimeliness, getting lost or even reckless driving.

Company spokespersons say all drivers must undergo background checks and drivers who demonstrate patterns of unsafe behavior will no longer be able to drive for Uber or Lyft.

If you have suffered a physical, emotional or mental injury, one of the first things that you need to do is seek out legal advice. You might be tempted to wait until you feel better but, the longer you wait, the more difficult it will be to obtain the right retribution. When you go to court, mediation or arbitration, you will need an excellent personal injury lawyer by your side. Only such a professional can ensure that your case will have the desired outcome, with proper compensation for the damages you have suffered.

Advantages of using a personal injury lawyer

Like many other areas of the law, personal injury requires both specific knowledge and experience. Only a lawyer who is specialized in this area of the law can deal with complex personal injury cases, ensuring that your rights are respected and that you are given the chance to fight for your case and the best possible outcome.

Professional liability insurance safeguards your business. It is specifically beneficial to those who operate their own business, provide medical or dental services or provide other high-level professional service. It is also known as E & O (errors and omissions) insurance. This coverage helps to minimize the costs associated with claims made against your organization or you personally regarding the service, advice, consultation or other expert information you’ve provided. From IT workers to business consultants, it pays to have this coverage in place.

We recently came across the below article that not only explains the importance of Professional Liability Insurance, but suggests best practices as well.

by: Michael Downey and Paige Tungate

The steps you take after a car accident can save lives, reduce injuries, help ensure quick settlement of your car insurance claim, and keep you out of trouble with the law; however, when you are stressed, it can be hard to remember what to do after a car accident.

This checklist, created by our friends at Oxford Auto Insurance, guides you through the steps you should take immediately following an auto accident and in the days after.

Motorcycle accident-related deaths and injuries are on the rise in California. The California Office of Traffic Safety reports that there were 519 motorcycle accident fatalities in 2014. This is a 12.1% increase from 2013, when the state reported 463 motorcycle accident fatalities. Improving economic conditions, increases in tourism, reports of driving under the influence of alcohol, and attractive California land and seascapes have all been blamed for the rise in traffic accidents in the state. While more traffic bodes well for California’s economy, it also poses a threat to the safety of motorcyclists who are relatively unprotected on their bikes. Those who are injured in California motorcycle accidents may be entitled to monetary compensation for any damages they suffer as a result of a motorcycle crash.

California Motorcycle Accident Injuries

California has more registered motorcycles than any other state in the country. Motorcyclists are generally less protected from danger than passengers in trucks, buses, and other passenger vehicles. Statistics show that motorcycle riders are 27 times more likely to die in a traffic accident than those other passengers. If a motorcycle accident is not fatal, the rider is still likely to suffer serious and potentially debilitating injuries. Common motorcycle accident injuries in California include lacerations, broken bones, fractures, traumatic brain injury, whiplash, concussion, spinal cord injury, disfigurement, loss of limbs, road rash, internal organ damage, and paralysis. Victims who suffer these and other injuries can file a personal injury lawsuit to recover damages from the person (or persons) responsible for causing the crash.

Tommy of Dallas, Texas, shares her Reyes Browne Reilley experience and level of satisfaction with our staff and customer service while helping her recover from damages stemming from a car wreck in Dallas.

“All right, all right. Well like I said, I just got rear-ended trying to drop off my sister-in-law at this continuing education school. So it sucked, especially because I had to get my car fixed, so I didn’t have a car. But my uncle recommended me to this law firm and I would highly recommend it to other people because they made everything really simple. And they explained everything and made it seem like it was not complicated, which I’m pretty sure it was. But, you know. So yeah.”