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2/10/2009

Alabama Drivers Should Increase Their Uninsured Motorist Coverage

Uninsured/Underinsured motorist coverage is insurance coverage that provides a driver and his/her passengers protection if they are involved in a motor vehicle accident with an uninsured driver or a driver that does not have an adequate amount of insurance to coverage the damages.  Alabama's uninsured motorist statute requires automobile insurers to offer uninsured motorist coverage with their liability policies.  A recent study by the Insurance Research Council (IRC) has found that there is a strong correlation between the percentage of uninsured motorists and the unemployment rate.  Based upon current unemployment rate projections, the IRC forecasts that the percentage of uninsured motorists will likely rise from 13.8 percent in 2007 to 16.1 percent in 2010.

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1/23/2009

Car Accident Study Details How Car Seats Can Save Alabama Children

A recent study in the American Journal of Public Health further establishes the importance of placing children in car seats.  Car accidents are the leading cause of unintentional injury and death for children older than 1 year, according to background information in the study. More than 500 children younger than 3 died as a result of motor vehicle collisions in 2005, according to U.S. Centers for Disease Control and Prevention statistics cited in the study. According to the study babies reaped the most benefit from being placed in a car seat. Their odds of dying in a car crash dropped by three-quarters if they were in a safety restraint seat. But older children also saw significant benefits, with a mortality risk reduction of at least 60 percent. Although many parents use car seats to protect their children in the event of a car accident, they often make many mistakes in using the car seat.  For exmaple, many parents do not properly restrain their child in the car seat or fail to properly place the car seat in the car or use an inappropriate car seat.  For more information about proper car seat safety guidelines visit The American Academy of Pediatrics website.

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1/17/2009

Alabama Personal Injury Attorney Guide to the Personal Injury Lawsuit Process

Initial Investigation: When an Alabama personal injury lawyer first becomes involved in a matter they will immediately begin their initial investigation. This investigation starts with securing evidence. For example, if someone is injured by a product (products liability lawsuit) then the subject product must be secured so that it can be inspected and examined to determine the exact nature of the product's defect. Photographs should be taken of the product, accident scene, automobiles involved and injuries to document what occurred and how it has affected the victim. Witnesses should be interviewed as soon as possible as stories change and memories fade over time. Often expert witnesses may be contacted early on in the investigation process to assist the personal injury attorney in determining what further investigation is necessary and whether a valid legal claim exists. For example, in the context of a car accident case, an accident reconstruction expert may be contacted early on to assist the personal injury lawyer in determining the speeds of the vehicles and the angle of impact. All these aspects of the initial investigation into a personal injury lawsuit are critical to not only determining whether a valid legal claim exists, but to maximizing that claim.

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