Tag Archives: tips

Don’t be Indifferent to Highway Carnage

18 Jan

Don’t be Indifferent to Highway Carnage
As reported by a number of online news sources like the Sacramento Bee and FairWarning.com: “One of America’s more egregious public health afflictions: deaths and injuries in car crashes, is being massively ignored.”


At GoLaw.com we accept new cases and don’t charge you unless we recover for you. Call 530-674-1440 or Click for a Free Consultation + Home and Hospital Visits! Let Personal Injury Attorney Mark A Doughty fight for your rights!

This commentary also published by:
TucsonSentinel.com
Industrial Safety & Hygiene News

Sources report that although there are “more than 30,000 deaths and more than 2.2 million crash injuries per year, highway safety has largely fallen off the political radar screen.”  California Accident Injury Attorney Mark A Doughty reminds us “It is up to us to take care of ourselves and our families by staying prepared and placing safety first.”

“This should be a warning sign to the American people, since political leaders and their families, like the rest of us, are not immune from firsthand encounters with highway tragedies… President Obama’s father died in a car wreck in 1982. In 1972, Vice President (then U.S. Senator) Joseph Biden’s wife and infant child were killed in a car-truck collision. Republican presidential nominee Mitt Romney, as a young Mormon missionary, was severely injured in a collision in France that killed another passenger. These experiences mirror those of millions of ordinary Americans, yet they have failed to prod the nation’s policy leaders into aggressive action to stem the carnage.”

For more Driving Safety Tips and advice on What To Do in Case of an Auto Accident, go to http://golaw.com/newsletters.

This BLOG was Prepared for you by Mark A. Doughty, attorney-at-law who practices solely in the area of injury and accidents including motor vehicle accidents, motorcycles, trucks, vicious animal attacks and slip and fall cases. You may contact Mr. Doughty by visiting his website at http://www.GoLaw.com or call 530-674-1440

Video

GoLaw.com WARNING: Drive carefully in Winter conditions!

29 Dec

This is a WARNING from http://GoLaw.com Drive carefully in Winter conditions!

A friend sent me a link to this video below which clearly illustrates the dangers of driving on slick, frozen roads.  If even an “Experienced Tow Truck Driver (now Seeking New Position)” can get caught unprepared, each of us need to be especially cautious while driving in Winter conditions such as rain, ice, black ice, and snow.

It appears that this video was shot in a foreign country, but that doesn’t mean these types of accidents can’t or won’t happen here in the United States.  The Weather Channel’s BLOG titled “Driving Safety Tips: Driving in Snow and Ice” on Weather.com states “The best advice for driving in bad winter weather is not to drive at all, if you can avoid it. Don’t go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination. If you must drive in snowy conditions, make sure your car is prepared (TIPS), and that you know how to handle road conditions.”  In the NBCNews.com BLOG titled “10 Tips for Winter Driving”, author Mark Sedenquist (publisher of RoadTrip America) reminds drivers to SLOW DOWN and “reduce speed by 50 percent in snowy conditions.” 

Remember: arriving to your destination safely is the most important thing of all.

This BLOG was Prepared for you by Mark A. Doughty, attorney-at-law who practices solely in the area of injury and accidents including motor vehicle accidents, motorcycles, trucks, vicious animal attacks and slip and fall cases. You may contact Mr. Doughty by visiting his website at http://www.GoLaw.com or call 530-674-1440

How Much Auto Insurance Do You Need?

11 Jun

Mark A Doughty - California Personal Injury Law
How Much Car Insurance Do You Need?

By Mark A. Doughty, Esq.   www.GoLaw.com

Most drivers think they have too much auto insurance.
Most drivers after involvement in an auto collision find out they had too little!
Don’t get caught having too little auto insurance coverage.

ONE way to reduce your auto insurance premium is to increase the deductible on your collision coverage and reduce on your liability coverage. Sometimes this can make sense, but often it’s not worth the extra risks. In California, the minimum coverages are

1.  Liability Coverage: $15,000 per person and $30,000 per accident

2. Property Damage: $5,000 per accident.  (California Insurance Code §11580.1b)

If you cannot afford liability insurance, you may be eligible for the California Low Cost Automobile Insurance Program. Additional information is available at www.aipso.com/lc or call 1-800-602-8861.

Carinsurance.com has an online calculator to help you evaluate this question based upon your personal family and financial situation (http://www.carinsurance.com/Coverage-Calculator.aspx) or talk to your insurance broker. I find there are sometimes lower prices through Independent Insurance Brokers who can shop 5 or 10 different companies vs. just one as in Farmers, State Farm or Allstate brokers. Contrary to TV ads, you “May Not” be in “GOOD HANDS” with a single company broker!

ProgressiveAgent.com has a wonderful 5 company comparison online that even shows you the competition when they are much lower. I used it when my 18 year old son had a new truck and I did not want him on my policy. It showed us a different company was 50% less for the same coverages!

Bodily Injury Liability

This coverage, which is required in most states, compensates the driver of the other car and its passengers in the event you get into an accident. It also covers the passengers in your car. The main consideration here is protecting your assets against lawsuits that arise from auto accidents. “But I’m a careful driver,” you say. It doesn’t matter. You can get sued even if the accident is not your fault.

Bodily injury liability is sold in standard increments that designate both how much coverage you have per person in an accident, with an additional limit per accident. For example, if you buy bodily injury worth $100,000/$300,000, each of the people you injured could be compensated $100,000, but only up to $300,000 per accident.

How much coverage you need is a function of what assets you have to protect. If you make $30,000 a year and rent your apartment, $50,000/$100,000 should suffice. But if you make more than $75,000 a year, own a house worth $150,000 and have $40,000 in mutual funds, you should consider at least $100,000/$300,000 of coverage. How much you’ll pay to increase your bodily injury liability coverage depends on several factors, including your age, where you live, marital status and driving record. To increase Liability Coverage from $15,000/$30,000 and $5,000 to $100,000/$300,000 and $25,000 can be as low as $50 added annual premium.

One more option: If you have substantial assets, buy $300,000 in bodily injury on your auto policy and $300,000 – to $3,000,000 on the liability portion of your homeowners policy. Then spend another $150 to $300 for a $1 million umbrella policy, which covers you against all manner of liability claims. Should you want still more coverage, the cost for an additional $1 million in coverage is minimal: It’s typically $75 to increase your coverage to $2 million, and then $50 for each million after that, according to the Insurance Information Institute.

Property Damage Liability

This coverage will pay for the repair and replacement of the other guy’s car or property in the event of an accident. State-required minimums are as low as $5,000, but if you total somebody’s Lexus, that won’t begin to cover the damage.

You’re better off with a minimum of $50,000 for each vehicle you own. And to be truly safe, you should have a total of $100,000 coverage.

Medical Payments Protection

DO NOT skimp on this one! Med Pay or PIP coverage pays for the medical and funeral costs associated with an accident for you and your family or any occupant of your vehicle regardless of whose fault it was. Some policies protect a named insured on your policy in another person’s vehicle or as a pedestrian.  Some people SKIP this but there are several good reasons to have this coverage.

1. Your occupants (friends or family) may not have health insurance

2. If the accident is the fault of the other driver and you collect on Med Pay, coverage is immediate and usually not subject to the same Pre-Approval requirements of Health Insurance

3. Even if you eventually collect from the other driver’s insurance you may not have to repay this amount to your insurance company.


Uninsured or Underinsured Motorist

This coverage pays for medical and funeral costs for you and your family in the event you get in an accident with either a hit-and-run driver or a driver who doesn’t have enough auto insurance. Uninsured Motorist policies usually cover bicycle and pedestrian accidents, as well as a named insured on your policy in another person’s vehicle. On average, it costs less than $40 a year for $100,000 coverage annually. Given the prevalence of uninsured drivers nationally, this coverage is essential.  Studies show uninsured drivers in California can be from 15% – 29% of all cars on the road!

Collision and Comprehensive

Collision reimburses you for the cost of repairs or replacement of your car after an accident.  Comprehensive covers you in the event your car falls victim to a natural disaster, vandalism or theft. With either coverage, the lower the deductible you choose, the more the policy will cost you. I recommend that you always choose the highest deductible you can afford ($1,000-$5,000 is fine). In effect you save premium dollars by being Self Insured for the deductible amount.  If you have an older car, you might drop this coverage altogether.

Collision and comprehensive, which can account for 30% to 40% of your total premium, are cash-value coverages. That means if your car is damaged, the most you’ll recoup is the cash value (See kbb.com and nada.com), which declines precipitously as your car ages. If you have cash in a savings account to repair or replace you car on a moments notice you might skip these coverages. However, if you eliminate the coverages, you’ll have to foot the bill if the car is damaged, totaled or stolen.  If it caused by an insured driver it can take weeks or months for the driver’s company to pay out.

Optional coverages:

1. Rental-car reimbursement, which pays as little as $25 or so a day while your car is in the repair shop after a collision.

2. Towing coverage, can be as low as $10 annually. Compare that to the $60 annually to join an Auto Club like CSAA.

3. Full glass coverage, auto glass is expensive and an errant stone can ruin a $500 windshield in the blink of an eye.

About the author: Mark A. Doughty has practiced personal injury and auto collision law in the Sacramento valley since 1980. For questions or representation see www.GoLaw.com or call 916-645-1917; 530-674-1440.

Sources:

1. http://www.GoLaw.com – My 33 Years of Auto Liability Law Practice in Sacramento Valley, California

2. http://www.smartmoney.com

3. http://www.carinsurance.com

4. http://www.dmv.ca.gov

5. http://www.carinsurance-california.com

6. http://articles.latimes.com

7. http://www.insurance.ca.gov

Contact us for your Sacramento accident lawyer today

At the Law Offices of Mark A. Doughty, you can contact us twenty-four hours a day, and we are available for evening or weekend appointments. If necessary, we will even visit you at home or in the hospital. We accept cases on a contingency fee basis, meaning that you pay no fees unless we obtain a recovery for you. For the convenience of our clients, we have Spanish and Punjabi interpreters available.

If you are injured, contact the Northern California Law Offices of Mark A. Doughty for an accident lawyer in the Sacramento Area.

For Yuba City, CA – call 530.674.1440
For Sacramento, CA – call 916.979.1917
For Lincoln, CA – call 916.645.1917

Go to our website: GoLaw.com

@Facebook: http://facebook.com/DoughtyLaw

@Twitter: http://twitter.com/DoughtyLaw

Filed under: Auto Insurance Tips

Topic: Automobile Accidents