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O'Hare Blog

Check out all the latest news and updates from The Law Offices of Tim O’Hare in our blog. From tips about pursuing legal action to news about Personal Injury Cases, we offer a variety of insights about Personal Injury Law. We can help you understand the world of Injury, Wrongful Death and Insurance Law, so be sure to check back frequently to read our posts. Do you have questions about our posts or have you suffered an injury from someone else’s negligence? Contact The Law Offices of Tim O’Hare today to find out how we can help.


8 Things to Do If You’re Involved in a Car Accident

 

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By Dallas Car Accident Injury Attorney, Tim O’Hare

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Did you know a car accident occurs on Texas roadways approximately every 83 seconds? That’s more than 1,040 accidents every day. More than 441,000 accidents occur each year in Texas and sadly, more than 3,000 of those result in fatalities.

Even with preventative measures to reduce the number of fatal car accidents, such as cracking down on drunk driving and distracted driving, the reality is, car accidents happen frequently. Do you know what to do if you are involved in a car accident? Here are eight tips to remember and to teach drivers in your household:

Call 911 — Report any injuries immediately and ask for police to come to the scene. If there are any potential injuries, ask for an ambulance. When a police officer arrives, get the officer’s name, badge number, and city the officer is responding from.

Help anyone who has been injured or who is in distress — If able, get out of your vehicle and attempt to make contact with other individuals involved in the accident. If you are a medical professional, CPR and/or First Aid certified, render aid as needed. Assess injuries and notify 911 immediately.

Don’t admit fault, but tell the truth about what happened — Responding police officers will ask questions as they build their accident report. Be truthful about what happened, but be careful not to admit fault and avoid any settlement discussions. Individuals who are not carrying car insurance or have another reason to avoid legal trouble may attempt to get you to settle by offering cash payment on the scene. Do not accept any settlements on the scene, as you may be liable for the damages to your car later on.

Get a copy/picture of the other driver’s driver license, license plate and insurance card — After an accident, exchange names, addresses, phone numbers, insurance companies, policy numbers, driver’s license numbers and license plate numbers with any other drivers involved in the accident. Be sure to note the relationship between the individual driving and the owner of the vehicle if their names don’t match.

Take pictures of all vehicles and property involved in the collision —  Use your camera to document any damage to all property and vehicles involved in the accident, as well as the position of cars and scene of the accident.

Ask the police to prepare an accident report – be polite, but insistent, if necessary — A documented report of the accident is an essential piece of evidence both for insurance and in any lawsuit that may arise as a result of the accident. Even if the officer claims a “no fault” accident or suggests a report isn’t needed, insist on a written report from responding law enforcement.

Get medical care, if needed, promptly after the accident — If you have been injured, seek immediate medical attention. If you think you may be injured, do not wait to see a doctor. If able and you would prefer not to ride in an ambulance, drive yourself or have a friend or family member drive you straight from the accident scene to the nearest emergency room or urgent care facility.

Call an attorney before speaking to any insurance company, including your own — Insurance companies are notorious for attempting to skip out on paying accident and injury-related claims. Do not attempt to negotiate with either insurance company yourself. Contact a skilled and experienced lawyer who will represent your best interests. If you have been injured, a personal injury lawyer can help you recover financial losses due to medical bills and lost wages. The sooner you contact a lawyer, the better, so do so after you have received medical attention and law enforcement has been notified of the accident.

 

Hiring a personal injury lawyer to handle your car accident case can help ensure you receive fair compensation for your injury or loss before the state’s statute of limitations runs out. In Texas, the statute of limitations in personal injury claims is two years. The clock starts ticking at the time of the car accident (or other incident), and after two years, you cannot file a personal injury lawsuit.

Tim O’Hare is an experienced Dallas car accident injury attorney who will represent you with integrity and ensure you receive all compensation due you for your injury. Contact The Law Offices of Tim O’Hare today.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation 
972-960-0000 or Toll-Free 888-960-0020

 

By : Tim O'Hare /February 16, 2018 /Blog, Dallas Personal Injury Attorney /0 Comment Read More

What Role Does Social Media Play in Your Personal Injury Claim?

Dallas Personal Injury Lawyer,  Tim O’Hare

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You’ve been injured in a car accident and have made a personal injury claim for economic and non-economic damages you’ve suffered as a result of the accident. You believe the accident has limited your quality and enjoyment of life and prohibits you from participating in activities you once loved.

One problem. Recent posts you’ve made to your Facebook, Instagram, Snapchat or other social media platforms suggest otherwise.

Could your social media activity prevent you from winning your personal injury lawsuit? It could. And it has.

Consider, for example, the Canadian case where social media was used as evidence of the plaintiff’s emotional state. Fortini Kourtesis made a personal injury claim against a man who rear-ended her vehicle as she drove to work. She was 18 at the time of the accident and claimed the wreck resulted in her suffering chronic pain and loss of enjoyment of life. She could no longer dance or do other activities with her family she onced loved. The defense raised up a photo of her dancing post-accident and the judge ruled against her, claiming the photo was evidence that she “enjoys life.”

Since its inception, social media has been used as evidence in court cases for everything from personal injury and drunk driving to assault and murder. In fact, it’s almost standard procedure if you’re involved in a lawsuit for the other party to request all of your social media activity from a specified period of time. While some judges may not allow social media activity as evidence, many do. So how can you protect yourself?

First, consider that anything you post on social media after your accident may damage your claim, even if you believe it to be harmless. If you’ve been involved in an accident and are pursuing a personal injury lawsuit, temporarily suspend your social media activity on all platforms. At the very least, ensure your accounts are set to private. Ask friends and family members to refrain from posting anything about you, including photos or text, after your accident and request that they also set their profiles to private. If someone does post about your situation, do not respond.

Any post, no matter how small, could be used to counter your claims of physical, emotional or mental suffering after an accident. Be aware of what you post online, and avoid posting any photos or videos of you and/or your vehicle post accident. Scour past posts and remove anything that could hurt your claim or anything you wouldn’t want the whole world to see should your social media accounts be entered as evidence.

If you’ve been involved in a car accident or injured on the job, you want one of Dallas’ best personal injury lawyers on your side. Contact The Law Offices of Tim O’Hare today. Mr. O’Hare has been named one of the Best Lawyers in Dallas by DMagazine for 4 consecutive years. We are committed to doing everything in our power to ensure our clients receive all they are due following an accident or injury.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation

972-960-0000 or Toll-Free 888-960-0020

By : Tim O'Hare /February 09, 2018 /Blog, Dallas Personal Injury Attorney /0 Comment Read More

It’s Time to Crack Down on “Buzzed” Driving


By Dallas Car Accident Lawyer,  Tim O’Hare

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“Buzzed driving is drunk driving.”

It’s a phrase we’ve all seen on billboards, signs and in ads. But if driving “buzzed” is no better than driving drunk, why aren’t lawmakers cracking down?

A new report from the National Academies of Sciences, Engineering and Medicine is calling on lawmakers to do just that.

Even with current laws, more than 10,000 alcohol-impaired driving fatalities occur each year in the U.S. On average, since 1982, one-third of all traffic fatalities are due to alcohol-impaired driving, and sadly, nearly 40 percent of those deaths are victims other than the drunk driver.

In all 50 states, the legal BAC limit for driving after consuming alcohol is 0.08 percent, but the committee that conducted the study found that an individual’s ability to safely operate a motor vehicle begins to deteriorate at lower levels of BAC, thereby increasing a driver’s risk of being involved in a crash.

Legal limits in the U.S. currently stand higher than nearly all countries in Europe, Australia and Japan. Studies from countries that have reduced their legal BAC limit to 0.05 percent have found the policy to be effective at reducing drunk driving accidents and fatalities.

The committee calls on lawmakers to reduce the legal limit in the U.S. from 0.08 percent to 0.05 percent. For a 160-pound man, that would equate to approximately two drinks in the span of an hour. The report also calls on federal and state governments to increase alcohol taxes — citing evidence that higher taxes reduces binge drinking and drunk driving deaths — and take steps to limit or reduce alcohol availability, including restrictions on the days and hours of alcohol sales.

What do you think? Should lawmakers lower the blood alcohol content (BAC) threshold for DWI driving? Share your thoughts with us on our Facebook page!

If you have been injured or lost a loved one due to drunk driving, don’t let the driver get away with it. Contact Dallas’ drunk driving lawyer, Tim O’Hare to go to bat for you and sue the driver who caused you so much pain and loss. We do our part to keep drunk drivers off the road and make them pay when they put the lives of innocent people at risk.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation

972-960-0000 or Toll-Free 888-960-0020

By : Tim O'Hare /February 02, 2018 /Blog, Dallas Personal Injury Attorney /0 Comment Read More

Death by Swatting. Should There Be a Federal Law Against Swatting?

By Texas Christian Injury Lawyer,  Tim O’Hare

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On Dec. 28, 2017, 28-year-old Andrew Finch, a resident of Wichita, Kansas, was shot and killed by Wichita police. He was the unarmed, unintended victim of a “swatting” prank.

Swatting, by definition, is making a false police report, usually of a violent crime, with the intention of sending law enforcement to a specific location. According to the FBI, about 400 swatting cases occur annually. And certainly not all end in the death of an innocent victim, but that was not the case in Kansas. There are currently no federal laws on the books about swatting.

It all started in Los Angeles, when 25-year-old gamer, Tyler Barriss, allegedly placed a call to Wichita police reporting a shooting and hostage situation after a dispute over a small wager online in a “Call of Duty” video game tournament. Barriss called 911 claiming to have shot his father and to be holding his wife and young son at gunpoint. He then gave police dispatch an address — that address happened to be that of Andrew Finch, who was not involved in the gaming dispute.

When officers responded to the call, Finch stepped out of his home. No doubt confused and frightened at the situation, he allegedly lowered his arm toward his waistband and was shot by an officer who believed Finch was reaching for a weapon. Finch did not survive.

What is just punishment in swatting cases such as this? Can swatters be charged with murder? Should Barriss be charged in Finch’s death?

This is not Barriss’ first offense. He has a history of calling in false alarms to police, including a case in Canada that resulted in Calgary police surrounding a woman’s apartment with guns drawn. He also served jail time in Los Angeles for calling in two fake bomb threats in 2015. Investigators have connected him to about 20 other alleged swatting and hoax threat incidents.

Swatting cases can be challenging because intent isn’t always clear. While first-degree murder may not apply, arguably, second-degree murder might apply as the suspect willfully acts with indifference and disregard for human life.

In this case, the suspect has been criminally charged with involuntary manslaughter, giving false alarm and interference with a law enforcement officer for allegedly placing the hoax call.

Should there be a federal law against swatting? Should Barriss and other swatting suspects be held responsible for deaths that may occur? We want to know what you think. Share your thoughts with us on our Facebook page!

If you believe you have a case for a personal injury lawyer, contact The Law Offices of Tim O’Hare to speak with a Dallas personal injury attorney.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation

972-960-0000 or Toll-Free 888-960-0020

 

By : Tim O'Hare /January 26, 2018 /Blog /0 Comment Read More

7 Tips to Stay Safe on Texas Roads this Winter

By Dallas Car Accident Attorney,  Tim O’Hare

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The mercury is rising and temps will be back in the 60s this weekend, but after the recent blast of arctic weather and precipitation that shut down schools around the state, now’s a good time for a refresher on winter driving safety.

Due to our typically warm weather, Texas drivers don’t get much practice driving on slick roads, but winter weather can make driving conditions both unpredictable and dangerous. When freezing temps along with precipitation hit, the Texas Department of Transportation recommends watching for potential hazardous road conditions, such as:

  • Loss of pavement friction due to wet, snow-covered or icy conditions
  • Restricted visibility due to fog, falling rain or vehicle spray
  • Lane obstruction due to standing water or plowed or blowing snow
  • Infrastructure damage (such as a washed-out road)

If you must get out on snow-covered or icy roads next time Old Man Winter pays a visit to Texas, follow these safety tips:

  • Slow down. Keep in mind that speed limits are set based on normal road conditions. Winter weather makes the road conditions unpredictable so give yourself some extra time.
  • Increase distance between you and the vehicle in front of you. On ice or snow, TxDOT recommends maintaining a following distance at least three times the normal following distance.
  • Stay back at least 200 feet from snow removal equipment.
  • Avoid sharp turns or sudden braking. If you start to slide, gently ease off the gas pedal or brakes and turn your steering wheel in the direction of the skid until you regain control.
  • Use extra caution on bridges, ramps, overpasses, and shaded areas.
  • If stopped, accelerate slowly to get better traction.
  • If you find yourself stuck in snow or ice, placing sand, kitty litter or cardboard on the ground in front of your tires can help you regain traction.

If you are involved in an accident during winter weather, follow the same protocol: turn off your car engine and turn on hazard lights; do not leave the scene of the accident; call 9-1-1; exchange information; photograph and document the accident; and ask the police to file an accident report.

If you have been seriously injured or lost a family member in a car accident, contact The Law Offices of Tim O’Hare to speak with a Dallas personal injury attorney.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation

972-960-0000 or Toll-Free 888-960-0020

By : Tim O'Hare /January 18, 2018 /Blog, Dallas Personal Injury Attorney /0 Comment Read More

Don’t Be a Car Wreck Victim this New Year’s Eve

by Texas Christian Injury Lawyer Tim O’Hare

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This time of year is among the most deadly times to be on U.S. roadways — in fact, Christmas and New Year’s both rank in the top 10 for most dangerous times to be on the road. Holiday stress combined with busier than usual roads can lead to more aggressive driving and road rage incidents. Drunk driving is also a contributing factor to the increase in car wrecks during the holiday season.

New Year’s Day consistently ranks in the top five deadliest days of the year, and in most cases, alcohol is a factor. According to data from the Insurance Institute for Highway Safety (IIHS), January 1 is the No. 1 day of the year for the highest percentage of deaths related to alcohol.

New Year’s celebrations are often served up with a large dose of alcohol.  One wrong decision to drink and drive could be deadly for you, or someone else.  It is, however,  possible to enjoy the holidays without putting your life in danger. Choosing not to drink doesn’t mean you’ll miss out on holiday fun.

Don’t be a victim of drunk driving. Here are three tips to stay safe on the roads this holiday season:

Choose a designated driver. If you’re going to a holiday party and you plan to consume alcohol, plan ahead and select a designated driver or alternative form of transportation. Before you get to the party, know exactly how you will get home. If you’re hosting a party and serving alcohol, be sure to provide plenty of nonalcoholic drink options for the designated drivers.

Avoid late night driving. Nobody wants to be the party pooper who leaves just before the end ball drops on New Year’s Eve. But if it means getting home safely, it’s worth it. Leave the party early so you can avoid the late night rush of potentially dangerous drivers and start 2018 off in one piece.

Drive in the right lane. Sticking to the right lane can save your life from drunk drivers, and wrong-way drivers alike. Often times drunk drivers drift out of their lane or into oncoming traffic. The further you are to the right of the road, the better your chances of avoiding being sideswiped or hit head-on by a drunk driver.

Stay safe this New Year’s Eve. Plan ahead and make smart choices to keep yourself and others safe.

If you have been injured or a loved one has been killed as a result of drunk driving, contact The Law Offices of Tim O’Hare for a free consultation with a Dallas car accident injury attorney.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation 

972-960-0000 or Toll-Free 888-960-0020

By : Tim O'Hare /December 29, 2017 /Blog, Dallas Personal Injury Attorney /0 Comment Read More

Searching for peace? Find it this Christmas.

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By Tim O’Hare

As I reflect on 2017, I remember the chaos and turmoil of this past year. From an upheaval of the political landscape, riots among our own people, mass murders, natural disasters of an unprecedented nature — 2017 has certainly been one for the books.

There is a great deal of disagreement in our nation today, but no matter what side of the aisle you find yourself on, I think we can all agree that this holiday season, we would all love to see peace in our world, our country and our own lives. And this is why Christmas is so meaningful. During this season, we are reminded that Jesus came to give us just what we have all been longing for — peace.

In fact, it is little baby Jesus, born a humble birth 2,000 years ago, who is the only One who can give us real peace. The book of Isaiah foretold His coming and the names He would be given:

For to us a child is born, to us a son is given, and the government will be on his shoulders. And he will be called Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace.” Isaiah 9:6

Our world is full of chaos, hurt and unrest. It is the direct result of the sin and brokenness that separates us from our Creator. But by God’s grace, on that first Christmas so long ago, the Prince of Peace entered our world to rescue and redeem us, restoring our relationship to the Father. It’s important to remember that Jesus never promised us a life without trouble on this side of heaven. There will be heartache. Pain. Injustice. Grief. But through Christ, we can have peace. We can know peace. And we can have the gift of eternal life.

“I have told you these things, so that in me you may have peace. In this world you will have trouble. But take heart! I have overcome the world.” John 16:33

If you are searching for peace this Christmas season, look no further than the free gift of grace and hope given to us through the birth and resurrection of Christ. Redemption, salvation and PEACE only come through faith in Jesus Christ. It is a gift, and all you have to do is receive it. There’s nothing you can do to earn it.

That’s the thing about gifts. By definition, a gift is something you cannot give yourself. It is given willingly, without payment. Jesus is the perfect gift. This Christmas, will you receive the greatest Gift ever given to mankind?

For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God— not by works, so that no one can boast.”  Ephesians 2:8-9

Whether 2017 has been a year filled with great joy for you, or a year of unspeakable grief and pain, I pray you find rest and peace through the Prince of Peace, whose birth we celebrate this Christmas.

From the O’Hare Family to yours, Merry Christmas!

By : Tim O'Hare /December 22, 2017 /Blog /0 Comment Read More

How safe is the vehicle you’re driving? 2018 Safest Vehicles

 

safest vehicles 2018 Dallas car accident attorney

Photo: IIHS

by Dallas Car Accident Attorney, Tim O’Hare

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The Insurance Institute for Highway Safety (IIHS) has released its 2018 list of the safest vehicles, and just 15 earned the highest rating. IIHS updated its guidelines this year, making it more difficult to be named a Top Safety Pick Plus (the highest ranking, which 69 vehicles received last year). Requirements for the highest award were strengthened to include good-rated headlights and good or acceptable passenger-side protection in small overlap front crashes.

Twelve cars and three sport-utility vehicles received the highest award; four of which were made by Subaru. No mini-cars, trucks or minivans made the cut. Another 47 vehicles received the ranking of “Top Safety Pick,” which now requires acceptable or good headlights. (Last year, headlights weren’t a factor for Top Safety Pick, and an acceptable headlight rating could bump a 2017 award winner up to Top Safety Pick Plus).

Is your car on the list? Here are the 15 vehicles that received the Top Safety Pick Plus award:

  • Kia Forte sedan
  • Kia Soul
  • Subaru Impreza
  • Subaru WRX
  • Subaru Legacy
  • Subaru Outback
  • Toyota Camry
  • BMW 5 Series
  • Genesis G80
  • Genesis G90
  • Lincoln Continental
  • Mercedes-Benz E-Class sedan
  • Hyundai Santa Fe
  • Hyundai Santa Fe Sport
  • Mercedes-Benz GLC

Click here to review the full list of 62 vehicles that received safety awards from IIHS.

Despite the fact that automakers are improving vehicle safety, more people are dying on U.S. roadways. According to the National Highway Traffic Safety Administration, car crash deaths hit a nine-year high of 37,461 people in 2016; up 5.6 percent from the previous year. If you have been injured or lost a loved one in a car accident, contact the Dallas car accident attorney you can trust, Tim O’Hare. The experienced legal team at The Law Offices of Tim O’Hare will guide you through your case and ensure you get everything you deserve.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation 972-960-0000 or Toll-Free 888-960-0020

By : Tim O'Hare /December 16, 2017 /Blog, Dallas Personal Injury Attorney /0 Comment Read More

2017 Top 10 Most Dangerous Toys

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by Texas Christian injury lawyer, Tim O’Hare

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Each year, the toy industry generates nearly $26 billion in sales, but toy testing and safety is not always a top priority. And oftentimes, toys that are recalled for a known hazard are still readily available online — particularly concerning because this year, consumers are expected to spend 51 percent of their holiday budget shopping online.

According to the advocacy group, World Against Toys Causing Harm (W.A.T.C.H.), “Regulations and safety protocols for e-commerce transactions are often nonexistent or inadequate. Consumer-to-consumer “second-hand sales”— which are inconsistently monitored, if monitored at all — provide new opportunities for recalled toys to surface.”

Parents have a reasonable expectation that there are checks and balances to ensure toys purchased for their children are safe, but unfortunately, that is not always the case. One child in the U.S. is treated in the emergency room every three minutes for a toy-related injury. From 1990 to 2011, we saw a 40 percent increase in toy-related injuries and incidents in the U.S.

In November, W.A.T.C.H. issued its annual list of the most dangerous toys. As you finish up your Christmas shopping, be sure to check out this list of most dangerous toys of 2017. You may even find one or two your children already have in the home.

  1. Hallmark “Itty Bittys” Baby Stacking Toy — This plush, Disney-themed stacking toy was recalled by the Consumer Product Safety Commission in August due to “fabric hats and bows that can detach, posing a choking hazard.”
  2. Tolo Pull Along Pony — Marketed for children 12m+, the pull cord on this toy measures approximately 19-inches, posing a risk for strangulation and entanglement injuries.
  3. Mattel Wonder Woman Battle-Action Sword — This rigid plastic sword has the potential to cause blunt force injuries to the face or other parts of the body. The toy also contains a warning that “small parts may be generated” along with battery safety warnings.
  4. Fidget Spinners — This popular novelty toy can be found in nearly every store across America, yet it also poses a danger to children. Fidget spinners contain small parts that may detach, causing a choking hazard.
  5. Marvel Spider-Man Spider Drone Official Movie Edition — According to the warning label on the package, the “Drone has rotating blades that move at high speed, posing danger of injury. Keep spinning rotors away from fingers, hair, eyes and other body parts.”
  6. Hasbro Nerf Zombie Strike Deadbolt Crossbow — The force of launching an arrow from the crossbow presents the potential for eye and facial injuries. The product packaging cautions users not to “aim or shoot at eyes or face of people or animals,” among other warnings.
  7. Brand 44 Slackers Slackline Classic Series Kit — This tightrope-like device is intended to be anchored between two trees. The manufacturer warns of strangulation risk, as well as potential for “serious injury or even death.”
  8. Plan Toys Inc. Oval Xylophone — This colored musical toy marketed for children as young as 12 months includes manufacturer warnings, despite the fact the 9.5-inch long drumstick handle has the potential to block a child’s airway if inserted in the mouth.
  9. Razor USA Jetts Heel Wheels — Made to be strapped to the heels of the shoe, transforming a regular shoe into a roller skate, this product advertises “real sparking” action and comes with numerous warnings including keeping sparks away from eyes, hair, exposed skin and clothing.
  10. Melissa & Doug Brianna Babydoll — “Huggable, soft” dolls marketed for children as young as 18 months has removable clothing and ponytail holders, which present the potential for ingesting and choking.

When shopping for your children this holiday season, the U.S. Public Interest Research Group (PIRG) recommends W.A.T.C.H.ing out for toys with these potential hazards:

Choking — The most common cause of toy-related deaths is choking. Do not buy toys with small parts for children under three. If a toy or toy part can pass through a toilet paper tube, it is too small for a child under three. Small balls and balloons also pose significant hazard to small children. Balls for children under six years of age must be 1.75 inches in diameter. Latex balls and balloons should never be given to children under 8 years old.

Magnets — Several toys, including building toys, darts and toy jewelry use small, powerful magnets. If swallowed, these magnets can attract each other in the body, causing life-threatening complications. If a child swallows a magnet, seek immediate medical attention.

Strangulation — Toys and clothes with cords or drawstrings are a strangulation hazard for children. Infant crib mobiles should be removed from the crib before the baby is 5 months old or can push him/herself up. Knobs or beads at the end of cords longer than one foot should be removed. Drawstrings on clothing can get caught in objects, such as playground equipment, potentially strangling a child.

Toxic chemicals — Toys containing lead and other toxic chemicals should be avoided. Toys made of PVC plastic may contain toxic phthalates, which pose developmental hazards to children. Lead may also be found in painted toys, vinyl toys and even costume jewelry. A home lead tester, found at a hardware store, can be used to test toys for lead. Avoid products containing xylene, toluene or dibutyl phthalate.

If you think a toy or product is hazardous, report it to the Consumer Product Safety Commission at www.saferproducts.gov.

Parents can check toy recalls at www.recalls.gov.

If you or a loved one has been injured as a result of a dangerous product, contact the experienced legal team at The Law Offices of Tim O’Hare. We will help you receive all due compensation for your injury or loss.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation
972-960-0000 or Toll-Free 888-960-0020

By : Tim O'Hare /December 08, 2017 /Blog, Dallas Personal Injury Attorney /0 Comment Read More

Do You Have the Auto Insurance You Need?

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by Dallas Car Accident Attorney, Tim O’Hare

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Texas law requires drivers to carry auto liability insurance as coverage for any accidents they may cause. If you are at fault in an accident, liability insurance pays to repair or replace the other driver’s vehicle and also covers medical expenses resulting from the accident.

But liability insurance is very basic, and isn’t always enough to cover the other driver’s costs if you’re at fault in an accident. In Texas, drivers must purchase at least the minimum amount of liability insurance — $30,000 for each injured person, up to a total of $60,000 per accident; and $25,000 for property damage per accident. This is known as 30/60/25 coverage. If you only carry the minimum, you could be putting yourself at risk of being sued by the other driver if you are at fault in an accident and your insurance does not cover all of the other driver’s associated expenses. In addition, liability insurance does not cover the cost to repair or replace your vehicle or treat your injuries if you are at fault in an accident.

Even if you are not at fault in an accident, if the other driver only carries the minimum liability insurance, you could be out hundreds, if not thousands of dollars. The good news is that there are other types of insurance coverage you can purchase to help you pay these additional expenses, such as personal injury protection, uninsured/underinsured motorist coverage, medical payments coverage, collision and comprehensive coverages. You may also add towing and labor coverage as well as rental reimbursement coverage to your insurance policy.

Here’s an outline of various types of insurance from the Texas Department of Insurance:

Personal Injury Protection — Also known as PIP coverage, this insurance pays medical and funeral bills resulting from an accident, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person. PIP covers you, your family members and other passengers in your vehicle, and other injured people, no matter who is at fault. A minimum of $2,500 in PIP coverage is available, but most insurance companies allow you to purchase more.

Uninsured and Underinsured Motorist — In the event you are in an accident with an uninsured motorist, a hit-and-run driver, or a driver who does not have enough insurance to cover your costs, UM/UIM insurance covers those gaps. Bodily injury UM/UIM pays for medical bills, lost wages, pain and suffering, disfigurement and other injury damages. Property damage UM/UIM pays for auto repairs and damage to items in your car.

Medical Payments Coverage — Covers medical and funeral bills resulting from an accident. Medical payments covers you, your family members, passengers in your car and other injured people including bicyclists and pedestrians, no matter who is at fault.

Collision Coverage — Collision coverage is required by your lender if you still owe money on your car. If the insurance company determines your vehicle can be repaired, it will pay the cost to fix your car. If it determines your car cannot be fixed, it will be “totaled” and the insurance company will pay actual cash value of your car (the current value of your car), less your deductible. No matter what the determination may be, you will only receive up to the maximum dollar limits of your policy (listed on the declarations page of your policy). This insurance covers your vehicle only, regardless of who was driving it, so long as the driver had your permission to drive the vehicle and wasn’t an excluded driver.

Comprehensive Coverage — Also required by your lender if you still owe money on your car. Comprehensive coverage pays the cost of replacing or repairing your car if it’s stolen (the theft must be reported to police) or damaged by fire, vandalism, hail, falling objects or most events other than a collision. Payments are limited to your car’s actual cash value, minus deductible.

Towing and Labor Coverage — If your car cannot be driven and must be towed, towing and labor coverage pays for your car to be towed to a repair shop and covers the costs of associated labor, such as changing a flat tire or jump-starting your battery.

Rental Reimbursement Coverage — If your car is stolen or being repaired, rental reimbursement pays a set daily amount for a rental car. This coverage only pays for rental reimbursement if your car was damaged in an accident or by another event covered by your insurance, such as fire, hail or theft.

To protect yourself from costly repairs or medical expenses incurred due to an accident, it’s important to carefully review your insurance policy. Know what your policy covers and consider purchasing other coverages to add or expand your insurance coverage.

We’d be happy to discuss your coverages with you and make recommendations to ensure you have the type of coverage that best fits your needs.

Also, if you have been injured in a car accident, or have lost a loved one in a wreck with an uninsured or underinsured driver, call us. The experienced legal team at The Law Offices of Tim O’Hare will guide you through your case and ensure you get everything you deserve.

Call The Law Offices of Tim O’Hare for your FREE Case Evaluation 972-960-0000 or Toll-Free 888-960-0020

 

By : Tim O'Hare /November 21, 2017 /Blog, Dallas Personal Injury Attorney /0 Comment Read More
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    Office: 972-960-0000
    Toll Free: 888-960-0020
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    Carrollton, Texas 75006
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    Dallas, Texas 75234
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