Legal Advice Blog: Legal Advice, Case Insights, & Local Law Information

Defective products can cause a victim severe injuries, and these product liability accidents can result in large personal injury claims. If you've been harmed by a product, talk to an accident lawyer in McAllen, TX to find out all your options for holding those responsible accountable. What Counts as a Defective Product? Everyday items fail to work properly all the time. A car part fails, or a household tool breaks, or a medical device does not perform. These failures can cause broken bones, burns, internal injuries, or worse, and the question is how to know when these harms are true accidents or the fault of the user and when they signal a problem with the product itself. The law recognizes three main ways that a product can be considered defective: Design defect Manufacturing defect Marketing defect Design Defect A design defect exists when the product is unsafe even though it was made exactly as planned. The entire product line shares the same problem, in other words. For example, if an entire line of baby bath seats has a tendency to flip over when water levels rise to a certain level, this is a design defect. Manufacturing Defect A manufacturing defect occurs when the design is fine, but something goes wrong during production. In these cases, usually only certain units contain the flaw. If 20,000 cars are made on an assembly line to the same specification, but 5,000 of them got airbags from a run of airbags containing a fault, only those 5,000 vehicles are a problem. This is a manufacturing defect. Marketing Defect A marketing defect is also sometimes called "failure to warn," and it happens when the product either doesn't have clear instructions or lacks a warning about risks that wouldn't be obvious to the user. How Defective Products Cause Product Liability Accidents Physical Mechanisms Mechanical failure is a common cause of harm and often happens when a structural member breaks. The sudden release of stored force can accelerate a broken part and essentially turn it into a missile. In other cases, the structural failure causes an item to collapse, and someone leaning or standing on it in that moment falls. Torn ligaments, fractures and breaks, dislocations, and internal hemorrhages are often the result. Thermal Burns Overheating components or exposed heating elements that should be protected are another common cause of harm and product liability claims. The overheating itself can cause harm or flammable materials can be ignited. Chemical and Electrical Burns Sometimes burns are from chemicals. These can be contaminants that shouldn't be there at all, or they can be leaks of known chemicals that were improperly sealed. Electrical currents can also cause serious injuries when a short or other issues ccauseelectricity to pass through a person. Talk to an Accident Lawyer in McAllen, TX If you've been injured by a defective product and want to discover if you have a claim, reach out to the Almaraz Law Firm in McAllen, Midland, or San Antonio, TX today to start your free consultation.

If a big rig or delivery truck has slammed into your vehicle, you're likely already getting the sense that commercial vehicle accidents create problems far more serious than your typical two-car collision. A car accident lawyer can help you sort out the layers and get the help and compensation you're entitled to. How Commercial Vehicle Accidents Are Different Size & Stopping Room A fully loaded tractor-trailer can tip the scales at 80,000 pounds, and most passenger cars are around 4,000 pounds. That twenty-to-one weight gap means the force that's transferred in a crash is enormous. The smaller vehicle absorbs the bulk of the energy, which is why injuries in these collisions often involve broken bones, spinal damage, or worse. Regular car-on-car wrecks simply do not generate the same level of kinetic energy. At 65 miles per hour under ideal dry conditions, a passenger car needs roughly 316 feet to come to a halt. A loaded semi, in contrast, needs nearly the length of two football fields. Simply put, the physics leave less room for error. Rules & Regulations Commercial operators must follow hours-of-service limits set by the Federal Motor Carrier Safety Administration and log every mile with electronic devices that record their speed, braking, and rest periods. When those logs show a driver pushed past the limit, the violation becomes powerful evidence against the driver. Violations of the rules can make a trucker partially liable even if they didn't actually cause an accident, under the right circumstances. Liability & Insurance In a regular crash you usually just deal with one other driver and that driver's insurance company. A commercial crash can pull in the driver, the trucking company, the maintenance shop that last serviced the brakes, the shipper who loaded the cargo, and sometimes even the manufacturer of a defective part. Each of those parties will have their own insurance and their own set of records. Tracking them all down takes time and specialized knowledge. In addition, commercial carrier insurance policies often have higher limits because the potential for damage is so much greater, yet the carriers also fight harder and move slower precisely because there's so much of their money at risk. Injuries & Evidence In fatal large-truck crashes, roughly 82% of the people killed are not truck occupants. Passenger-vehicle drivers and their passengers absorb the worst of the impact, and thus catastrophic injuries like traumatic brain injury, spinal-cord damage, and amputations occur at higher rates in these accidents than in collisions between similar-sized cars. This means much larger medical bills and much longer recovery. And, unlike with a passenger car, you need some critical black-box data from the truck's engine control module and the electronic logging devices. Companies must also keep maintenance records for the vehicle, driver drug test results, and hours-of-service logs. In a regular car crash you might rely primarily on police photos and witness statements; here, the paper and digital trail runs much deeper, and you are likely to need legal help to dig it all out. Talk to a Car Accident Lawyer Soon Commercial accidents can be devastating, but we have experience in these types of cases. Visit the Almarez Law Firm now in McAllen, San Antonio, or Midland, TX today to start your free consultation.

A serious job site accident can upend your life, and these workplace accidents require quick action if you're going to fully recover, both physically and financially. An injury attorney can map out your options clearly and help you pursue every avenue for compensation. Practical Steps to After Workplace Accidents Immediately Medical Attention You need medical attention as soon as the accident happens, and you can't let your boss or anyone else talk you out of this step. Job sites are dangerous places, and there are plenty of injuries that can seem minor at first but turn serious fast, like concussions, soft tissue damage, or fractures. Head to an emergency room or your doctor right away and describe exactly what happened. This also creates a clear medical record that will go a long way to supporting any benefit claims you bring and prevent complications down the road. Follow up as recommended even if you start feeling better. Report Right Away Report the details of the incident your employer or supervisor immediately, even if you think they already know. Give them a written account if possible, with a record of the date, time, location, what you were doing, and any witnesses. The faster you report, the faster you can access your workers' compensation coverage (if your employer participates in this program). Keep your own copy of everything you send them and any responses you receive. Your lawyer will help you keep on your employer to make sure they follow through on their side once your report has been made. Access Your Workers' Comp Apply for your workers' compensation benefits right away, if your employer carries this insurance. The coverage typically pays for all reasonable and necessary medical treatment related to the injury. It can also replace a portion of your wages once you miss more than seven days of work. Your lawyer can talk to your employer's insurance carrier or the Texas Department of Insurance directly to get all the information on your eligibility and guide you through the claims process. Record Everything Keep detailed records of every expense that is tied to the injury, and any lost income. Save your receipts for prescriptions, any travel to and from appointments, your medical equipment purchases, and any home modifications you had to make during recovery. Track your missed workdays and lost pay accurately and keep it all organized. Organized files like that make conversations with claims representatives smoother and reduce the chance of disputes. Depending on how the accident happened and your employer's insurance status, you may have access to additional compensation for both economic and non-economic damages. Follow the Plan Stick closely to the treatment plan your doctors outline and begin rehabilitation as soon as they advise. Attend every appointment, complete any prescribed exercises, and take your medications just as directed. Not only can neglecting this plan slow your healing, but it can also raise questions later about how seriously you took your recovery. You could even lose out on benefits or personal injury claim awards if it can be successfully argued that you didn't do everything a responsible person should to promote your own quick recovery. Talk to an Injury Attorney Recovery from a serious job site accident takes patience, and you need to focus not just on your medical needs, but also your financial ones. Call us today at the Almaraz Law Firm at 956-450-1671. We serve clients in Midland, McAllen, Odessa, Edinburg, and San Antonio,

Oil rig accidents can change everything for you in a moment, and understanding your rights matters if you're going to be made whole again. In these situations, many people begin their search with "personal injury attorney near me," and this is a smart move if you want to learn what steps to take next to get compensation and help. Seaman Status and Your Protections Your first key question after an injury involves whether maritime law classifies you as a seaman. This depends on your job duties, connection to a vessel, and what kind of vessel it is. Seamen get stronger protections than land-based workers because their jobs expose them to unique hazards. If you qualify, federal maritime rules open the doors to some specific benefits and claims that standard workers' compensation often cannot match. Maintenance and Cure Benefits You Can Claim If you hold seaman status, your employer must provide Maintenance and Cure regardless of who was at fault. Maintenance covers your basic living expenses while you recover, including food and shelter costs, and Cure pays for necessary medical treatment until doctors determine you have reached maximum medical improvement. These payments continue even if the company disputes how the injury happened. You do not have to prove that your employer was negligent to receive these benefits. Additional Claims Under the Jones Act The Jones Act lets qualifying seamen file a negligence lawsuit against their employer, unlike regular workers' compensation. You can seek damages for past and future medical bills, lost wages, diminished earning capacity, and pain and suffering, and the courts apply the same rules that protect injured railroad workers, which means your employer is held responsible even if they were only a bit negligent, and even if that negligence only contributed to the accident (as opposed to being the primary cause). Rights When You Do Not Qualify as a Seaman Not every oil rig worker meets the seaman test. If you work on a fixed platform, for instance, or if you work in certain support roles, you may be covered by the Longshore and Harbor Workers' Compensation Act or the Outer Continental Shelf Lands Act instead. These laws still guarantee that you get medical care and wage-loss benefits without having to prove fault, but they limit your ability to get compensation for non-economic damages. Oil Rig Accidents: When to Seek a Personal Injury Attorney Near Me It's important that you document everything early and get someone on your side quickly who can protect your rights and go to bat for you, particularly if you're badly injured and need to heal. Your lawyer will make sure you're getting the full amount of benefits you're entitled to and will negotiate for you and bring a lawsuit if you're covered by an Act that allows you to do so. All along the way, your lawyer will keep you in compliance with all deadlines and statutes of limitations and keep your claim moving. You have important rights after an injury on an oil rig. Talk to us today at the Almaraz Law Firm in McAllen, San Antonio, or Midland, TX for the support you need.

After a car wreck, you're likely to have personal injury expenses, and these can ruin your finances and complicate daily life. Finding a "car accident lawyer near me" is the best way to protect the compensation you're entitled to under Texas law. How Much Compensation Can You Expect in a Car Wreck Personal Injury Case? It's impossible to say exactly what your claim is worth without evaluating the details, and only a lawyer can do that effectively. Generally speaking, the average personal injury lawsuit in Texas wins $826,892 when decided by a jury, but this average is misleading. It's skewed by the few really high verdicts there have been (just as one student in the class with a very high grade skews the "average" for everyone else). The true median number is just over $21,000. The typical range for everyday, "normal" accidents is between $30,000 and $75,000. But all of these numbers are affected by the details of your case. To help you get a real sense for what your case is worth, your lawyer will need to consider: What types of damages you can recover Whether you bear any fault Insurance limits How badly you've been injured Types of Damages You Can Recover You can seek two main categories of compensation: economic and non-economic damages. Economic damages cover your measurable financial losses, such as hospital bills. Non-economic damages are the effects you can't quantify, like pain and suffering. Punitive, or "exemplary" damages are possible, but they are quite rare. Courts award them only if the other driver acted with gross negligence, and they are meant to punish extreme behavior rather than compensate you directly. Texas has limits on how much a jury can award. Your Fault A jury or insurance adjuster will assign a percentage of responsibility to everyone involved in the crash. As long as your share of fault stays at 50% or less, you can still recover compensation, but the amount gets reduced by your percentage of fault. Insurance companies will try to shift as much blame as possible onto you to lower what they have to pay, and that's why it's important to have a lawyer protecting you right from the beginning. Insurance Limits The amount of insurance coverage the liable party has will set a practical limit to what you can actually collect. If your damages run beyond the policy limits, you'll need to turn to your own insurance or consider pursuing a personal claim against the other driver. Your lawyer will help you figure out the best course of action. How Bad Your Injuries Are Normally, you'll multiply your total economic losses by a number between one (for very minor injuries) and five (for catastrophic, life-altering injuries). Thus, the greater your economic losses, the greater your non-economic losses have the potential to be. In addition, the worse the injuries, and the longer they take to heal, the greater the multiplier number will be. It makes a huge difference whether you're multiplying $30,000 in economic damages by one or by three. Find a "Car Accident Lawyer Near Me" Now To protect your rights and find out how much your claim is really worth, contact the Almaraz Law Firm in McAllen, San Antonio, Edinburg, Midland, and Odessa now, and let us serve you wherever you are in the state.

When dealing with a personal injury claim, understanding how damages are calculated can be crucial to securing fair compensation. In Texas, the concept of "pain and suffering" is particularly significant, as it addresses the non-economic impacts of an injury, such as physical discomfort and emotional distress. This post will explore how pain and suffering are calculated in Texas, providing insights that are especially relevant for residents of San Antonio. What Constitutes Pain and Suffering? Pain and suffering encompass two main types of damages: Physical Pain and Suffering: This includes the ongoing physical pain and discomfort resulting from an injury. It accounts for how the injury affects one's ability to perform daily activities and enjoy life. Mental Pain and Suffering: Beyond physical pain, injuries can lead to psychological issues such as depression, anxiety, and PTSD. These emotional impacts can significantly alter a person's quality of life. Methods of Calculating Pain and Suffering In Texas, two primary methods are used to calculate pain and suffering damages: 1. The Multiplier Method This is the most common method used. It starts by calculating the total economic damages (such as medical bills and lost wages) and then multiplying this amount by a factor (usually between 1.5 and 5). The factor depends on the severity and impact of the injury. For instance, if your economic damages are $10,000 and a multiplier of 3 is deemed appropriate, your pain and suffering compensation would be $30,000, bringing your total compensation to $40,000. Factors influencing the multiplier include: Severity of the injuries Long-term impact on the victim's life Age and health of the victim The degree of disfigurement or disability 2. The Per Diem Method Under this method, a daily rate is assigned to the victim's pain and suffering, and it is multiplied by the number of days the victim experiences these issues. Suppose your pain is valued at $200 per day, and you experience it for 182 days; your pain and suffering compensation would amount to $36,400. Local Insights: San Antonio's Approach San Antonio, like other Texas cities, follows state guidelines for calculating pain and suffering. However, local jury trends can influence the outcome of personal injury cases. According to local reports, San Antonio juries tend to emphasize substantial evidence and clear demonstration of an injury's impact on life quality. Moreover, proposed legislative changes, such as Texas House Bill 4806, could impose new caps on damages in the future, emphasizing the importance of staying informed about local legal landscapes. Why Choose Almaraz Law Firm? Navigating the complexities of personal injury law can be daunting. Almaraz Law Firm, located in San Antonio, TX, is committed to advocating for your rights and ensuring you receive the compensation you deserve. Our experienced team understands the nuances of Texas law and is dedicated to providing personalized support throughout your legal journey. Take the Next Step If you or a loved one has been injured, understanding your rights and potential compensation is crucial. Don't navigate this journey alone. Contact Almaraz Law Firm today to schedule a free consultation and let our dedicated team help you secure the justice and compensation you deserve. Visit our Contact Us page to learn more. By understanding how pain and suffering are calculated in Texas, you can be better prepared to advocate for yourself or your loved ones in the event of a personal injury. Whether you're just starting your claim process or need expert advice, Almaraz Law Firm is here to guide you every step of the way.

Motorcycle rides offer freedom and thrill, especially in a vibrant city like San Antonio, Texas. However, the legal landscape can become complex if an accident occurs and you aren't wearing a helmet. Understanding how Texas laws affect your injury claims in such scenarios is crucial. Texas Motorcycle Helmet Laws: What You Need to Know In Texas, helmet laws are outlined under the Texas Transportation Code Section 661.003. The law mandates that all motorcycle operators and passengers under 21 must wear a helmet without exceptions. For those 21 and older, riding without a helmet is permissible only if: You have completed a Department of Public Safety (DPS)-approved motorcycle safety course. You carry at least $10,000 in medical insurance coverage. Failing to meet these requirements makes riding without a helmet illegal, carrying potential fines and legal complications. The Impact of Proportionate Responsibility on Claims Texas operates under a "proportionate responsibility" rule, often referred to as modified comparative negligence. This means your ability to recover damages in a personal injury claim is reduced by your percentage of fault. If you're found to be more than 50% responsible for the accident, you cannot recover damages. How Helmet Use Affects Fault Assessment While not wearing a helmet doesn't automatically prevent you from claiming damages, it can influence the case. If you were not wearing a helmet during an accident, the defense might argue that your injuries, particularly to the head, could have been less severe with a helmet. This argument can reduce your compensation proportionately. For instance, if your case is valued at $100,000 and you're found 20% at fault because you weren't wearing a helmet, your compensation may reduce to $80,000. Navigating the Legal Landscape in San Antonio In San Antonio, motorcycle accidents are not uncommon, and local legal nuances can play a role in how cases are handled. It's important to connect with a legal expert familiar with local laws and practices to navigate your claim effectively. The Role of Almaraz Law Firm At Almaraz Law Firm, we understand the complexities of motorcycle accident claims in Texas. Our experienced team is dedicated to fighting for the compensation you deserve, even if helmet use becomes a point of contention. We leverage medical experts and accident reconstructionists to demonstrate that the accident, not the absence of a helmet, primarily caused your injuries. Why Choose Legal Representation? Choosing the right legal representation can significantly impact the outcome of your claim. At Almaraz Law Firm, we prioritize your needs and provide personalized guidance throughout the legal process. Our expertise and commitment have helped recover over $500 million for our clients in personal injury cases, making us a trusted choice in San Antonio. Take Action Now Understanding the nuances of Texas motorcycle helmet laws and their impact on injury claims is essential for any rider. If you're involved in an accident, don't navigate these challenges alone. Contact Almaraz Law Firm for a comprehensive consultation and let us help you secure the compensation you deserve. For personalized assistance with your case, visit our Contact Us page today. Let us stand by your side and fight for your rights. By following these insights, you can better understand how helmet laws interact with personal injury claims in Texas. Ride safely and protect your rights with the right legal support.

If you've suffered an injury in McAllen, TX and someone else is at fault, you can bring a claim against them for reimbursement of your losses and damages. But doing this isn't always straightforward, and your personal injury lawyer will do a lot to protect your rights and maximize your settlement. What Does a McAllen, TX Personal Injury Lawyer Do? Evaluate and Give Advice Lawyers begin by evaluating your situation to see if you have a valid claim. They listen to your account of what happened and review any initial evidence you provide. Then they'll explain your rights under the law and help you understand whether pursuing a claim makes sense for your specific circumstances. Build a Foundation Once a lawyer takes your case, they'll gather more details to build a strong foundation. They'll interview witnesses, request official reports, and might call in medical experts to explain the extent of your injuries and how they affect your daily life. All this work goes to proving that the other party was at fault, that their fault caused your harm, and precisely what that harm is. Deal With Insurers Insurers often try to minimize your losses and damages so they don't have to pay as much, but your lawyer should be an experienced negotiator who knows how to fight for what you deserve. Your lawyer will have calculated the full cost of your losses, factoring in future needs as well, and will prevent you from accepting a low offer out of frustration or lack of knowledge. File a Lawsuit If negotiations don't yield a fair result, your lawyer will be prepared to go to court. They'll file the necessary paperwork with the court to start a lawsuit, which begins with drafting a complaint that details the facts of the case and the damages you're seeking. They make sure everything complies with all legal deadlines and regulations so you don't lose your right to sue, damage your position, or delay your claim through an inaccurate filing. Throughout this process, they'll keep you informed about progress and any decisions you need to make. Go to Court If the case goes to trial, your lawyer, of course, represents you directly in the courtroom. They present evidence to a judge or jury, question witnesses, and argue why the other side should pay for your losses. Their goal is to show clear proof of negligence and how that negligence led to your losses. They also work to show the court that the amount you're asking for is reasonable and appropriate to the situation. Handling Logistics Your lawyer will manage all the logistics and red tape that can easily overwhelm you if you've never dealt with it before. They handle communications with the defendant's representatives, the insurers, the court, and even medical providers, so you can focus on healing rather than chasing documents or responding to demands. Your lawyer does a lot to protect your interests after a personal injury, so if you're thinking about a claim, talk to us at the Almaraz Law Firm for a free consultation. We serve McAllen, Odessa, Midland, Edinburg, and San Antonio and all surrounding areas.

If you've been in a car accident, a lot depends on proving fault. This makes it important to have a McAllen, TX accident lawyer fighting on your side right from the beginning to help you show exactly what happened and who is responsible. By Finding Evidence Evidence is always needed to prove fault, and you must prove several elements in a case like this. First, the evidence must show who was negligent; that is, who had a duty of care and failed in it. In a car accident, this is usually a person who broke a traffic law and thus caused the accident, such as by running a red light. But just showing negligence isn't enough. You must also show that the negligence caused the accident, which wouldn't have happened, or at least would not have been nearly so bad, but for the person's negligence. To prove all this requires showing what the duty of care was, how it was broken, and how it caused the accident. The first can be simple in some cases (all drivers have a duty of care to obey traffic laws), but sometimes it's more complicated. If there's a trucking company involved, for instance, then there are additional duties, such as the duty to follow all federal trucking regulations. In that case, your lawyer will need to get access to the truck maintenance and driver logs and possibly internal records of the trucking company. Then, you'll need to prove a breach of the duty of care happened and that it caused the accident, and that usually requires video or photographic evidence, witness testimony, or an accident reconstruction specialist, who can piece together the physical evidence to explain how things went down. Your lawyer can get access to things you might not be able to find, such as the security camera footage from a nearby store or the black box recordings of the vehicles. By Using the Evidence Well Just having the evidence isn't enough in itself. You have to be able to put it together logically and clearly to make an argument that shows why one party is at fault. This is something your lawyer will have done many times, so your lawyer will put the evidence into a coherent narrative and then use this in negotiations with the insurance company and, if necessary, in the courtroom. By Protecting You Texas only allows you to bring a claim if you are less than 50% at fault. The other side's insurance company may try to push off more blame onto you than you deserve in an attempt to get you to 50%. Or, they may minimize your losses and damages to minimize their own payout, because even if you're less than 50% at fault, your damages will still typically be reduced by the same percentage as your fault. They have some clever tactics for shifting blame and denying coverage, but an experienced lawyer will know how to handle it. Contact the Almaraz Law Firm in McAllen, TX to start a free consultation and get an experienced lawyer on your side right away.

Car accidents are complicated, and the reality is that there's often more than one party responsible. If you've been injured in an accident, you have the right to get compensation for your losses from whoever is liable for that accident, but it's always wise to talk with a McAllen, TX car accident attorney to find out how comparative fault may affect your claim. What's "Comparative Fault?" Comparative fault is a way of acknowledging in law that more than one person can be to blame for an accident. It allows people to bring a claim even if they are partially at fault, but typically the amount of a person's claim will be reduced by the same percentage as their fault. If you are found 15% at fault in the accident, therefore, you would only be able to claim 85% of your total damages and losses. Different states have different ways of figuring fault. In some states, contributory negligence laws mean that you cannot recover a dime in compensation if you have any fault whatsoever, even if it's just one percent. Other states have what's known as a "pure comparative negligence" system, and this allows you to recover even if you are as much as 99% at fault! However, since your compensation is reduced according to the percentage of your fault, if you were 99% at fault, you would ultimately recover very little. But most states, Texas included, have a system that takes a middle ground between these two extremes. If you are less than 51% at fault (in other words, if you are not primarily responsible for the accident), you can recover damages in Texas. Again, however, your damages will be reduced by the same percentage as your fault. Why Having a Car Accident Attorney Is So Important You can probably start to see why it's so important that you have an attorney in these cases. First, if you are found to be 51% or more at fault, you will not be able to claim any damages whatsoever. If you and another driver both contributed fairly significantly to the accident, you can be sure that the other driver's insurance company will work overtime to try to push enough blame onto you to avoid having to pay anything at all. Even if things aren't that close, though, every percentage point of fault assigned to you is a few more dollars the insurance company doesn't have to pay. If you have $150,000 in medical bills and other losses, and the insurance company can get you from 10% to 15% at fault, that's $7,500 they don't have to pay and which you are now out of pocket for. One of the most important jobs your lawyer has is to protect you from any unfair blame so that you don't lose any compensation you are owed. After an accident, contact the Almaraz Law Firm in McAllen, TX as soon as possible so we can get started protecting your claim. We also serve clients in Midland, Edinburg, Odessa, and San Antonio.

Here in Texas, we have a fault system for auto accidents. That means if someone's negligence caused the accident, they are then responsible to pay the losses and damages of everyone else. In reality, it's not the individual who pays but their insurance company, and that means things get tricky if the responsible party doesn't have insurance. Talk to a McAllen, TX auto accident lawyer as soon as possible after a wreck to protect yourself and find out what all your options are. What If the Other Driver Doesn't Have Insurance in McAllen, TX? Turning to Your Insurance The first thing you should do is check whether you have Personal Injury Protection (PIP) coverage. This doesn't cover all your losses and damages, but it will cover your medical bills and lost wages. You might not have PIP coverage, but you should know if you don't because you will have had to decline it in writing. Texas requires insurance companies to offer this coverage no matter what and requires them to get your written refusal if you don't want it. If your insurance company did not do this, then they become responsible to provide PIP protection as if you were paying for it. If you don't have PIP, or if it's not enough, you may also have Uninsured Motorist (UM) coverage. This applies whenever you are in an accident caused by another person who has no insurance or if you are the victim of a hit-and-run. Investigating Third-Party Options Even if the person primarily responsible for the accident doesn't have insurance, there may be a third party you can turn to. There might have been another driver involved, for example, who may not be primarily at fault but still may hold some fault. You may be able to make a claim with their insurance company. If there's any chance that a car manufacturer was negligent in any way, or if the city could be responsible because of negligence in caring for roads or something similar, your lawyer will help you investigate all these options. Proving Fault Fault is always important in a car accident, and especially if someone doesn't have insurance. Even if you're filing a claim with your own insurance company, you will have to prove that the other driver's actions are responsible if you want to claim UM coverage, for instance. Always call 911 and get the police on the scene, and gather whatever evidence you can to show what happened. Texas law allows you to make a claim so long as you are not more than 50% responsible for the accident. If you're 51% or more responsible, then you can claim nothing, even if someone else bears a lot of responsibility. If you are less than less than 51% responsible, your compensation will still be reduced by the same percentage as your fault. Your lawyer's job, among other things, is to protect you for any unfair blame that would reduce your compensation inappropriately. To get the help and protection you need after an accident, contact the Almaraz Law Firm in McAllen, TX. We also serve clients in San Antonio and Midland.

If you've been in an accident, it's important that you act quickly to safeguard your rights and ensure there's no chance you're going to lose out on compensation that is owed to you. There's really no time that is too soon to be searching "personal injury lawyers near me" if you've been injured here in McAllen, TX. Here's what you need to know. When to Search "Personal Injury Lawyers Near Me" in McAllen, TX The simple answer is: as soon as possible. The faster you get a lawyer on the job, the more quickly your lawyer can start investigating the accident, gathering evidence, protecting you from unfair blame, and acting as a go-between so you don't have to talk to the insurance company directly. That said, there are two things to bear in mind: Prioritize Health and Safety Immediately after an accident, the number one priority is your health and safety as well as the health and safety of everyone else in the area. Never delay going to get medical care in an emergency. Don't try to tough it out and tell yourself that you'll go to the ER after the police arrive or after you call a lawyer. If it's an emergency, get help right away. If someone else has been injured, 911 should be your first call before you contact any attorney.Even if you're not hurt too badly, you should still make sure you get medical help as soon as you reasonably can. Some very grave injuries may not show any symptoms right away, and going to a doctor can also keep something minor from becoming much more serious. You'll also need to be able to establish a clear link between any physical injuries you have suffered and the accident itself, so the longer you delay in getting medical help, the easier you make it for an insurance company to argue that your injuries were not caused by the accident or were exacerbated by your delay. Follow the Law Before you call any attorney, make sure that you've followed Texas law after an accident. If it's a car accident, remember that you have to remain at the scene of the accident until law enforcement arrives unless you've been injured or unless your vehicle is in an unsafe place and you need to move it and yourself out of the way of traffic. You are required by law to report any accident that results in an injury or fatality, if the other driver is intoxicated or doesn't have insurance, or if the vehicles can't be moved. You're also required to report any accident that causes $1,000 or more in damages, and with the prices of car repair these days, that's a very low bar.Remember that you need to call the police not just because it's the law but also because it's what's best for your claim. The police accident report will be a valuable piece of evidence for your case.If you've been in an accident, call us at the Almaraz Law Firm in McAllen, TX as soon as possible. We also have offices in Midland and San Antonio.