Prepare for North Texas’ Hail Storm with These Safety Tips

Angel Reyes III Insurance, Safe Driving

Prepare for North Texas' Hail Storm with These Safety Tips - Reyes Browne Reilley Law

April showers bring May flowers, but springtime storms in Texas pose a very real threat. Meteorologists have predicted severe weather for the DFW this evening, which could include baseball-size hail.

Tonight’s forecast also expects damaging winds, with gusts that could reach 70 mph. The chance of tornados is also possible. Read these tips to help keep you and your loved ones safe during these dangerous storms.

Read More

Nerve Damage After a Car Crash

Nerve Damage After A Car Crash Personal Injury Lawyer

The human nervous system is incredibly sensitive, and sustaining head or neck injuries after an auto or truck accident is fairly common. Even a minor fender bender can leave you with Neuropathy, or nerve damage. After being injured in a car accident, no matter how severe, it is extremely important to contact a professional personal injury lawyer to evaluate your case. Insurance companies will try their hardest to save money on payouts, often at the victim’s expense. The road to recovery can be costly, especially with nerve damage — Combining the costs of medical bills on top of time away from work can severely hurt your bank account. It’s our job to ensure these companies pay what is owed in full.

Read More

Texans Need These 3 Types of Car Insurance

Angel Reyes III Auto Accidents, Insurance

 

When considering car insurance coverage in the state of Texas, there are three important types that you should bear in mind – personal injury protection (PIP) benefits, uninsured motorist coverage, and gap insurance.

By familiarizing yourself with these three types of insurance coverage, you are in a better position to make informed decisions are your automobile insurance policy.

Personal Injury Protection Benefits

PIP benefits represent an extension of automobile coverage that is available in some states. Personal injury protection benefits, PIP benefits, are also known in some quarters as no-fault coverage. PIP benefits are designed to pay regardless of an allegation of fault or legal liability. PIP benefits typically arise out of an injury accident where you or the driver of the car you are in carrying PIP coverage.

A claim for PIP benefits typically is made against a person’s own insurance company. This is the case even if another party is deemed to be at fault for causing the car accident. There are some exceptions to the general process of filing against an individual’s own insurance company. For example, if the person desiring to make a claim does not own an automobile, filing a claim against his or her own company would be impossible. If you are a passenger in an accident, the driver may carry PIP on the vehicle, and if so, you may be covered.

Uninsured Motorist Coverage

Uninsured motorist insurance coverage is included in Texas auto policies unless rejected. The policy provision provides a person coverage in the event an uninsured driver causes an automobile accident or if you are in a serious injury accident and the responsible party does not have enough insurance to cover your damages.

If an accident occurs, an injured person files a claim for uninsured motorist coverage and compensation with his or her insurance carrier. Technically, the insurance company pays the difference between what an uninsured driver can or does pay towards compensation for damages and what the injured person would be entitled to if insurance coverage existed.

Unfortunately, Texas court rulings have given the insurance companies the upper hand by ruling carriers do not have the obligations to pay until after a verdict in a trial. The requirement of an actual verdict has led to an unconscionable situation where insurance companies routinely force an unnecessary lawsuit just because they can. Worse is that the carriers are allowed to use in-house attorneys to reduce their expenses while running up the costs to their insureds. No doubt the consumer is being taken advantage of with this unfair situation.  Many states police the insurance companies by allowing bad faith claims, Texas, however, has largely sided with insurance companies and the campaign contributions keep flowing.

GAP Insurance

Guaranteed Auto Protection insurance, or GAP insurance, is a creation of the financial industry in the United States. GAP insurance provides compensation in the event of an accident for the difference between the actual cash value of a motor vehicle and the amount of money still owed on a loan or lease.

Often, in the aftermath of an accident, a determination is made that a vehicle is underwater regarding its actual cash value and the outstanding balance on a loan or lease. GAP insurance coverage provides compensation to the lender or leasing company to cover the “gap” that exists between the cash value of the vehicle and the cash settlement associated with an accident.

A skilled, experienced automobile accident lawyer can provide you more information about available insurance coverage in the aftermath of an accident. Call a seasoned car accident professional at the Reyes Browne Reilley law firm today to schedule a free consultation to discuss your case.

Employer Accountability in a Car Wreck

Angel Reyes III Auto Accidents, Insurance

Everyone enjoys having their very own company car. This is a huge perk in itself as you don’t have to pay for gas out of your own pocket or putting any mileage on your own personal car whatsoever. However, with great perks comes great responsibility. If you get into an accident, what are you going to do? Do you pay for it? Or does your employer’s extensive car insurance? Can you actually sue your employer after your own car accident?

Read More

“Car Was Totaled. Was Life-Flighted From the Scene. Couldn’t Feel From the Waist Down.”

Angel Reyes III Auto Accidents, Insurance, Personal Injury Lawsuits

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

“I was in a car accident January 17th, 2014.

Car was totaled. Was life-flighted from the scene. Couldn’t feel from the waist down. Was a very traumatic car wreck.

I was in and out of consciousness. I had a major, major concussion. And did regain my mobility from the waist down. Developed seizures from this accident.

Spencer Browne is my attorney. He’s an awesome attorney. I highly recommend him. He took care of everything for me.

When I was unable to think straight because of the brain injury, he was able to get with doctors and have me taken care of.

Best law firm. Highly recommend y’all.

And things were handled in the best way I possibly could have asked for. In fact, it turned out better than what I anticipated.”

Do what Misty did – research reviews before you decide who should fight the insurance company on your injury claim.

If you have been injured in a car or truck wreck, trust Angel Reyes and the skilled Dallas car crash attorneys at Reyes Browne Reilley Law Firm – call 214-526-7900 so we can get you on the road to recovery.

See more Testimonials

Top Tips Insurance Companies Don’t Want You to Know

Angel Reyes III Insurance, Personal Injury

Car-Wreck

More than six million car accidents occur in the United States every year. Many of them only involve superficial property damage, but it is still a jarring, emotionally taxing experience to go through.

But what if you suffer an injury? Do you know how to protect yourself and receive the medical attention you need? If you happen to get injured in a crash, the key is to remain calm and follow a few simple steps to ensure your own safety.

Seek Medical Help

In case of an accident, your most important priority should be your own health. Self-diagnosing injuries is a difficult thing to do as well after an accident; when you combine whiplash with the adrenaline and emotional strain that can come from a crash, it can be difficult to even tell what’s hurting. The easiest route is by dialing 911. The operator has access to all the resources you might need and is trained to help you through the situation.

In many accidents, the passengers refuse medical attention. They might believe the injuries they suffered are minor. However, it’s common for injuries suffered in jarring collisions to become more severe in a short time frame. It’s almost a shock to the system – your body isn’t even sure what’s wrong yet.

From a legal perspective, getting medical attention early is an advantage. The earlier your injuries are documented, the better it is for any claims you might need to make.

Take Notes and Photos

If you’re able, taking notes and collecting visual evidence of the collision is extremely helpful. You’ll want photos of the damage to your car, the scene of the collision, as well as the damage to any other vehicles in a collision.

As for information you ought to record, you’ll want names and contact information of all people involved in the collision, the make, model, and year of the vehicles involved, driver’s license and license plate details, and insurance company names and policy numbers for all individuals involved. Getting the name and badge number of the policemen involved is a good idea as well.

Make sure you take note of any medical treatment you receive so that you may receive reimbursement from your insurance company. Keep any receipts or documents that you might receive and store them in a safe place.

File an Insurance Claim

Make sure you let your insurance know what exactly happened and the extent of your injuries. Some insurance companies allow you to file a claim online, but it’s generally easier to call and talk to someone who can guide you through the process – especially after something as emotionally taxing as a car accident. Be as honest as you can and keep your information short and simple.

When in Doubt, Consult a Personal Injury Lawyer

Ideally, a personal injury lawyer is never even necessary. But when it comes to property damage, insurance, and personal injury, a lot can go wrong.

At the first sign of trouble – or even if you simply want peace of mind – talk to a lawyer. They can provide you with further guidance in protecting your rights and health while also advising you if someone involved in the crash is wronging you. Car accidents are stressful enough; a skilled car accident lawyer can help clarify the details and defend you throughout the process.

No one wants to be in a car accident, but they happen more frequently than you might think. It’s always a jarring experience that can skew a person’s judgement. But by starting with your own health and taking it one step at a time, you can protect your health, your property, and your money.

Alex Briggs is a contributing author for ‘Maggio Thompson Personal Injury Attorneys.

Know The Facts About Texas House Bill 1774

Angel Reyes III Insurance

HB2Vote-300x200At this point, there has been many news reports, blogs and information on social media about Texas House Bill 1774.

FACT: HB 1174 does not change how to file a claim or how your carrier will process and settle your claim.

Provided are some answers to some frequently asked questions on Texas House Bill 1774 via Marsh Private Client Services:

What is Texas HB 1774?

This bill requires policyholders to provide advance notice to their insurer, before filing a lawsuit against them. The legislation also makes changes to requirements for inspections related to a lawsuit, recovering attorney’s fees, and statutory penalty interest.

Does Texas HB 1774 apply to me?

  • Does not apply to claims with the National Flood Insurance Program (NFIP).
  • Does not apply to claims with the Texas Windstorm Insurance Association (TWIA).
  • Applies to claims made under an insurance policy providing coverage for real property, such as homes and other buildings.
  • The legislation also applies to claims made under the Fair Access to Insurance Requirements (FAIR) Plan Association.

When does this law become effective?

Texas House Bill 1774 was passed in May and takes effect on September 1, 2017.

Does this mean I need to report a claim before September 1?

HB 1774 does not change how to file a claim or how your carrier will process and settle your claim. If you have sustained a loss related to Hurricane Harvey, or another covered peril, it is recommended to file before Sept. 1.

Where can I obtain additional information about HB 1774?

Information is available on the Texas Department of Insurance website. You can also contact ConsumerProtection@tdi.texas.gov or 1-800-252-3439 for additional information.

UPDATE: Know Your Coverage Before Sept. 1

Angel Reyes III In The News, Insurance

September-1As floodwaters have risen in Houston this week, so has warnings to file insurance claims by Friday, or potentially forfeit some of what you’ve got coming to you. This is in reference to a new Texas law set to take effect September 1. Among other things, it reduces the penalty insurers pay if they stall claims during a lawsuit.

The penalty was adopted in the 1990s as an incentive for property insurers to process claims quickly. The new law shrinks the penalty  from 18 percent to 10 percent, shrinking policyholders’ leverage with it.

It sounds like one more setback for homeowners, coming at a very coincidental time.

According to an Insurance Information Institute survey, about 15 percent of homes in Harris County, which includes Houston, have flood insurance. It’s important to mention this survey does not take into account the surrounding counties.

Of the number who have flood insurance, the majority purchased through the federal government’s National Flood Insurance Program, which is exempt from state laws. Neither the existing Texas penalty nor the new one applies to the federal program.

The Texas Trial Lawyers Association has confirmed the new law has little bearing on flooding, but said people with policies against other kinds of damage may still want to file claims by Friday, just in case.