Tough Times: Insurers in Trouble from Pressuring Politicians

In The News, Insurance

Tough Times for Insurers as Lawmakers Pressure for Consumer Relief - Reyes Law Firm

With COVID-19 having shut down most parts of America for nearly three weeks now, insurers are not immune to government pressure to help the general public. While everyone is looking for a job and an income, daily life is becoming harder to afford across the board. Massive layoffs have taken over during these unprecedented times and lawmakers are hoping insurance companies can do their part to help out.

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TRUVADA® Lawsuit

TRUVADA® Lawsuit - Reyes Browne Reilley

What is TRUVADA®?

TRUVADA®, created by the manufacturer Gilead, is a prescribed medication that was a combination of two different HIV medications, emtricitabine and tenofovir. It was used to treat the disease and to help reduce the risk of contracting HIV-1.

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Prepare for North Texas’ Hail Storm with These Safety Tips

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.

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Insurance Companies Love Letter Writers and Settlement Mill Law Firms

Insurance

personal injury lawyer hammer time

Not every personal injury law firm is the same. Some aim for the easiest and fastest route to a settlement check, regardless of their client’s needs. More often than not, these kinds of firms prefer to write settlement letters instead of actually preparing each case for court. These types of law firms are called personal injury settlement mills (or factories), and insurance companies love them.

How to Spot a Personal Injury Settlement Mill

There are several traits that make these kinds of law firms stand out. Because they focus more on making a quick buck instead of client satisfaction, advertising is the lifeblood of the typical settlement mill law firm. The louder and more obnoxious the TV ads, the more likely you are looking at a settlement mill law firm.

However, their most telling characteristic is the limited interaction between client and attorney. Settlement mills typically have a large legal assistant staff which handle the vast majority of their case work. If a settlement mill law firm takes your case, there is a slim chance you will have correspondence with an actual attorney.

By mass producing settlements instead of working personal injury claims up to their full value, these firms are doing their clients a major disservice. Ironically enough, they will often take much longer to resolve claims as opposed to merit-based firms. This can be caused by several reasons, such as lack of attention to individual files from attorneys, pushing cases to legal assistants, and the sheer quantity of cases they take on at once.

Instead of treating each case individually, they tend to fall back on previous settlements of similar nature and let that dictate the outcome. To put it simply, they “get what they’ve always gotten.” They churn out so many cases that their negotiations with insurance companies become routine settlements with little variation between individual clients. Even worse, the insurance companies know how to “deal” with a settlement mill based on previous negotiations, vs. a law firm which is prepared to take each case to court.

The Reyes Browne Reilley Advantage

The Law Firm of Reyes Browne & Reilley is proud to stand out in Dallas as a litigation-based personal injury firm. The typical settlement mill law firm will do almost anything to avoid filing a lawsuit for their clients.  For more than 30 years, Reyes Browne Reilley has filed suit on the majority of its cases. Here at Reyes Browne Reilley, we want to ensure our clients get everything they are owed — regardless of risk (or amount of work) required. We fight for justice for our clients, even if it means longer hours and more hard work on our end.

But don’t just listen to us, listen to our clients. We have hundreds of Google reviews and real client testimonial videos. We pride ourselves in fighting the good fight for our clients. Next time you see a personal injury attorney TV commercial or a radio ad, don’t be so quick to believe everything they claim. There’s more to personal injury litigation than a catchy slogan – Listen to the stories of real clients, and base your judgment on real results.

After more than 30 years representing injury victims in car wrecks, truck wrecks, and motorcycle accidents, the experienced personal injury lawyers at Reyes Browne Reilley have seen the consequences of negligence first-hand. If you have sustained injuries because of a car wreck which was not your fault, contact us now for a free and confidential case review. Fill out our form online, or call (214) 526-7900, and we will get you on the road to recovery.

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 DFW truck accident 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.

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Texans Need These 3 Types of Car Insurance

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 in Dallas 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.

Dallas Man Left for Dead by Lime Scooter Lunatic

DALLAS—A local Dallas musician was recently the victim of a hit and run while he was walking on a Downtown Dallas sidewalk, leaving him a trip to the emergency room, injuries to the face and the financial burden of paying for injuries caused by no fault of his own.

The vehicle was a rental scooter traveling at full speed.

Cody Daniels, 31, is likely the city’s first hit-and-run victim via rental scooter.

Daniels was leaving his job in Downtown Dallas near the aquarium when he said he was blindsided by a man riding a Lime rental scooter.

“I Stepped onto the sidewalk and then he hit me from this side, straight to the ground,” Daniels said. “He hit me faster than I could turn my head really to look.”

Daniels said his co-workers treated him with first aid before he left to visit an urgent care. There, he received 7 stitches over his right eye.

Worst of it all, Daniels said that the rider who hit him just fled the scene.

Because the rider took off, Daniels will be paying off his urgent care bill on his own, which he said will probably cost upwards around $400.

Daniels said he has health insurance but isn’t sure if the amount meets his deductible. Plus, Daniels said the rider was on the sidewalk. A big no-no in downtown Dallas.

This unfortunate incident raises some very important questions:

    • Does the victim have the option to file a claim with his motor vehicle insurance?
    • Is the rental scooter recognized as a motor vehicle?
    • In this case, can the victim seek compensation from the rider?
    • Can the person who fled the seen be faced with criminal charges?
    • Can the person be fined for riding on the sidewalk after the fact?

According to Lime`s website, riders are responsible for accidents and injuries, and each scooter company encourages driving safely.

Late last month, the city agreed to a 6-month trial run with electric rental scooters. They travel up to 15 mph after the rider pays a fee.

You can’t ride on sidewalks in the Central Business District (which includes Deep Ellum and Downtown Dallas), and you can’t ride in a street where the speed limit is over 35 mph.

Failure to do so could get you a fine up to $500 – enforced by…who, exactly?

In light of these details, Mr. Daniels may indeed have a case.

With more and more patrons taking to the Dallas rental scooters, it is important for pedestrians to know their rights, and options, if they find themselves in a similar situation. Call the Dallas personal injury attorneys at Reyes Browne Reilley today for a free consultation.

Why You Need UM/UIM & PIP Insurance Coverage

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bigstock-Two-Car-Crash-1522381-300x240Most drivers believe they can make it by with just the minimum required coverage. When you only purchase the minimum required insurance coverage to avoid a traffic violation, you and your family are exposed to potentially devastating financial hardships resulting from an accident.

Most minimum coverage plans leave out some of the most important aspects of insurance coverage, primarily Personal Injury Protection (PIP), Uninsured Motorist (UM), and Under-Insured Motorist (UIM). Auto Insurance is designed to protect you and your family in the event of an accident – not just avoid a ticket in a traffic stop.

Why You Need UM/UIM & PIP Insurance Coverage

Having the right insurance can make all the difference in what you pay after an auto accident, and how your claim is handled. The State of Texas only requires drivers to have liability insurance coverage, which helps the other person in the event of an accident. Liability coverage protects you from the risk of liabilities by lawsuits or other claims from other parties, but it doesn’t fully cover you.

Liability insurance does not include collision or comprehensive coverage to fix your car, towing, rental car, or the other guy being uninsured/under-insured. You might think that everyone has liability coverage because it’s the law, but over half the accident victims who call our law firm have at least one party in the accident who was uninsured! Assuming the other guy has it covered, and skipping the proper coverages to save a few bucks can and will hurt you financially if you are injured, or your car is too damaged to drive (or both). The resulting domino effect can be catastrophic when you can’t work, can’t get to work, and potentially lose your job, home, and your credit rating due to unpaid medical bills. Below are some insurance terms you should get to know. Many people do not know whether they have the following ‘extra’ coverage items:

Personal Injury Protection

PIP‘ covers you and the passengers of your car in the event of an accident. PIP covers medical and related expenses, lost wages and collateral costs after an accident. Collateral costs can include child care, lawn maintenance, and even travel expense to receive medical care. PIP covers you even if you are at fault for the accident, making it that much more important to consider when purchasing auto insurance. If you have a good health care plan, comprehensive PIP may not be necessary, but as we all know – health insurance doesn’t cover everything. For this reason, it is always important to go over all of your coverage options for each type of insurance so you know exactly what you are covered for and under which policies. PIP coverage is also valuable is when it covers your passengers. Pip covers non-immediate family members to help alleviate medical cost from both you and them. This is most important when you regularly have passengers in your car, such as a carpool. Your health insurance plan won’t help them, but PIP coverage will.

Uninsured Motorist

UM‘ coverage helps drivers involved in a crash with an uninsured driver. A surprising amount of drivers are not complying with State minimum requirement laws. UM covers you and your vehicle from damages caused by an uninsured driver in an accident. Additionally, this will cover you and your passengers for medical expenses, pain and suffering, and lost wages. UM coverage is valuable in the event of a hit and run accident as well. Since in that circumstance you are unable to confront the responsible party, UM will give you the same coverage and protection. UM coverage, as with any type of coverage, has different restrictions and limits in each state and with each different insurance company. Check with your agent for details.

Under-Insured Motorist

UIM‘ Coverage is similar to UM coverage in that it covers you when the other driver’s limited coverage cannot. UIM helps take care of the financial burden that happens when you are in an accident with a driver who decided it was better to save a few bucks on their quote, and doesn’t have enough coverage to pay for your injuries or property damage. This type of coverage is usually put into two different types of UIM coverage; bodily injury and property damage coverage. Bodily injury coverage is the more popular type of UIM coverage, and covers your medical expenses when you sustain an injury after an accident with an under-insured driver. Property damage coverage only applies when the other driver is at fault and they do not have adequate coverage. This coverage will help pay whatever the at-fault driver’s insurance plan will not cover. UIM property damage coverage can go beyond just automobile damage to also help recover damages to valuable property such as cell phones and laptops.

The more insurance coverage you have – the better off you will be in the event of an accident, but you need to find coverage that fits your budget. When getting that insurance quote, please take a moment and think about the devastating effects that high medical bills and time missed from work would mean to your budget and your family. PIP, UM and UIM coverage are not required by many state minimum coverage plans, and therefore many people neglect to purchase them. These three types of coverage can and will make it easier for you to recover physically and financially if you are in an accident.

If you or a loved one has been injured in a car wreck due to someone else’s negligence contact the expert DFW car accident attorneys at Reyes Browne Reilley for a free case review today!