Truck Accidents can be Catastrophic
A collision with a commercial truck can result in catastrophic injuries and in many cases, death for the occupants of a passenger vehicle. Commercial trucks, such as big-rigs, 18-wheelers, semis, box trucks, garbage trucks and tractor-trailers can weigh tons and create a tremendous impact when colliding into a smaller, lighter vehicle. The occupants of a smaller vehicle may require extensive hospital stays, multiple surgeries and years of rehabilitation for serious injuries sustained in a truck accident.
If you or someone you know has been seriously injured in a trucking accident, compensation may be sought from the at-fault party for medical bills, physical therapy, disfigurement, lost wages, lost benefits, and pain and suffering. The
northern California truck accident attorneys at our Law Firm have been practicing personal injury law in California for several decades. Our personal injury attorneys have the knowledge and experience necessary to obtain full and fair compensation in a complex personal injury claim.
Causes of Texas Trucking Accidents
Statistics have shown that the majority of truck crashes are the result of some form of truck driver negligence or recklessness. The most common forms of truck driver negligence, include:
- Driver fatigue
Driving over the speed limit
Failing to yield the right of way
Driving under the influence of drugs or alcohol
Overloading truck cargo
Failing to make required maintenance stops.
Additional causes of a collision with a commercial truck include bad weather conditions, cargo spills, poor road conditions, poor trucker training, malfunctioning truck parts and trucking company negligence or carelessness.
Trucking Accident Statistics
Some interesting U.S. truck accident statistics include:
Nationwide, more than 500,000 truck collisions occur each year.
Truck accidents are responsible for approximately 4,000 fatalities and more than 90,000 injuries every year across the nation.
Almost 68 percent of fatal truck crashes took place in a rural area.
More than 66 percent of fatal truck accidents happened during the day.
Approximately 50 percent of fatal and non-fatal truck crashes were head-on collisions.
More than 16 percent of truck collision victims were between the ages of 36-45.
Right Representation for Your Texas Truck Accident Claim
Truck accident litigation can be a complex area of law for several reasons. Multiple parties, such as the trucking company, truck driver and trailer company may have different legal responsibilities in a commercial truck crash. Also, handling trucking companies’ insurance carriers can prove to be a challenging task. Insurance companies are often on the accident scene within hours of a crash looking for evidence to aid the defense counsels case. Insurance companies will employ numerous tactics to get out of paying victims full and fair financial compensation. As a former insurance company attorney, founding partner Steve Estey knows how insurance companies work and can anticipate the tactics they will employ to get out of paying a policy. Steve and the skilled legal team at our Law Firm can prevent an insurance company from denying you maximum compensation. Our Texas personal injury attorneys have years of experience negotiating with insurance companies and will fight for the settlement you deserve.
No Fee, Unless We Win
If hired to represent you, the Texas truck accident lawyers at our Law Firm will not charge you any fees until compensation is recovered for you. We have recovered more than $100 million dollars in compensation for truck collision victims. Phone us for a free consultation with a skilled personal injury attorney at our Law Firm.
Expert answering your Bankruptcy Question
Question by Big Bear : Chapter 13 disposable income vs repayment plan and secured/unsecured debt? Question about info/rules on disposable (dis.) income and how it applies to Chapter 13. I completed Form 22C to see what an estimate of dis. income would be and calculated ~ $ 1300 (after taking gross monthly income and subtracting allowable deductions). First question, is this ($ 1300) the repayment plan or is a part of the repayment plan? Second question is how does this work w/ secure vs unsecured debt. Is secured debt considered (A) a part of dis. income or (B) in addition to the dis. income. For instance, if (A) it would seem that if you have 2 car notes (calculated for the value divided by 60 on Form 22C line 47) for $ 400 or $ 1000, it would not affect the monthly Ch. 13 repayment…only means that the unsecured creditors would get less…so, no benefit to having 2 low car payments since monthly repay doesn’t change. If B) implies that unsecured creditors get all $ 1300 and the monthly repayment would increase by either $ 400 or $ 1000, the amount of the 2 car payments. Which is correct?
Answer by Joe the Expert
If you are going to file bankruptcy: Push for Chapter 7.
Find a Lawyer who can guarantee you Chapter 7 treatment.
Chapter 13 has all the downside of Chapter 7 with NONE of the benefits a Fresh Start.
In Chapter 13 you will be a SLAVE to your creditors for years.
If you can’t get Chapter 7 treatment find another way out this situation!
With a Good Lawyer most people who truly are in trouble can get Chapter 7.
Oh and you can thank your Congressmen and Senators for being in Bed with the Banks and Credit Card Companies for this situation.
Credit Card Companies have NOW Become LEGALIZED LOAN SHARKS!
Everyone should write your Congressmen and Senators to STOP THIS ABUSE and END this LEGALIZED LOAN SHARK Game! You will all be affected by this at some point over your lifetime.
I have seen several people go through this game and I have experienced some of this myself. Now articles are being written on it.
Your Credit Card Interest Rates should never Increase because you were 1 day late or ever a couple of hours late (In my case/ I pay through the internet) on your payment and this happens if you do it Only ONE TIME. Yet this is what the LEGALIZED LOAN SHARKS are doing!
They are even changing the time period between the day you receive your bill to the day its due. They are shortening it by 1 day per billing cycle. They are hoping that you don’t realize the change and that you will be late on a payment so they can Raise you up to the default interest rates and Steal your Money. This is what the Legalized LOAN SHARKS are doing!
All with the blessing of the U.S. Congress!
There’s a new, completely legal game they’re playing, and it can literally wipe you out financially if you’re not careful.
The Universal Default Clause
If you own a credit card, you know by now that if you’re late with a payment the credit card company will charge you a late fee in addition to raising your interest rate. But did you know that they can raise your interest rate if you’ve made a late payment on any of your other cards, including those issued by other companies?
Not only that, but your interest rates can skyrocket to 30 percent or more if you make a late payment on your car loan, mortgage, or even your phone bill!
“How can that be legal?” you may ask. The answer is found in the fine print of your credit card agreement, and it’s called a universal default clause. According to the Institute of Consumer Financial Education, currently almost 40 percent of credit card issuers apply this policy to their customers.
A Late Payment ‘Trigger’
Generally, a universal default clause states that a creditor reserves the right to penalize you with an increased interest rate if you’re late — that is, in default — of a payment to any other creditor. They justify this practice because, in theory, if you pay any of your creditors late, you pose a greater credit risk and are less likely to pay your debt.
Your creditors also have the right to routinely monitor your credit file. So a creditor with a universal default clause will be watching — and waiting.
Let’s say your Visa card has a universal default clause. Any late payment — whether it’s on your utility bill, home equity loan, or Macy’s credit card — acts as a “default trigger” allowing the bank that issued the Visa card to double or even triple your interest rate overnight. Your all-important credit score will be hurt as well.
According to a study by the nonprofit advocacy and education group Consumer Action, the top three default triggers that cause your interest rates to spike are a decline in credit score, paying your mortgage late, and paying your car loan late.
Other Triggers to Worry About
Under the universal default clause, your interest rates can be increased for several other reasons, including exceeding your credit limit, bouncing a check, having too much debt, having too much credit, getting a new credit card, applying for a car loan, and applying for a mortgage loan.
How does this affect your financial future? Take a look at the numbers. Let’s say you’re an average American household, with $ 8,000 of credit card debt. Assuming you make no additional purchases on your card, you have a 9 percent interest rate, and you make the minimum monthly payment, it’ll take you 218 months (18 years) to pay off your debt and you’ll end up paying $ 3,334 in interest.
Now let’s assume that for whatever reason you were late one month with your car payment. This late payment triggers the universal default clause with your credit card issuer, and now your penalty rate gets increased to 24 percent (the average default rate in 2005). It’ll now take you 679 months (56 years) to pay off your credit card debt, and get this — you’ll pay $ 30,813 in interest. Link to this full story: http://finance.yahoo.com/expert/article/millionaire/26303
for more questions visit this website please
This is all true people WAKE UP and FIGHT BACK!
Helpful Advice That Will Help With Car Insurance
If you are looking for all of the basics regarding auto insurance plus some other tips that you might not have heard of, this article is for you. This can be a confusing subject with all of the different opinions and information that is available – especially when a lot of it is contradictory.
When insuring a teenage driver, save money on your car insurance by designating only one of your family’s vehicles as the car your son or daughter will drive. This will save you from paying the increase for all of your vehicles, and the cost of your car insurance will rise only by a small amount.
When considering insurance for a young driver, be sure to calculate the expected mileage per year. Many insurance providers will provide a discount for low mileage customers. Most likely, a high school age driver will qualify, even if they drive to school and work. Be sure to check with multiple agencies to compare rates.
When dealing with car insurance a person needs to understand that who they are will affect their premiums. Insurance companies will look at things such as how old you are, if your male or female, and what kind of driving record that you have. If your a male that is 25 or younger you are going to have the higher insurance rates.
When you are dealing with car insurance you should always try to find ways to reduce your premium so that you can always get the best price. A lot of insurance companies will lower your rate if you are someone that drives less the 7500 miles in a year. If you can, try taking public transportation to work or even car pooling.
To save money on car insurance, consider raising your deductible. You’ll need to be able to pay for some repairs out of pocket, but if you’re comfortable doing so, you can see significant savings by raising your deductible from $250 to $500, and even more if you go to a $1000 deductible.
An important consideration in securing affordable auto insurance is the condition of your credit record. It is quite common for insurers to review the credit reports of applicants in order to determine policy price and availability. Therefore, always make certain your credit report is accurate and as clean as possible before shopping for insurance.
While finding the company that offers the lowest annual premium for your car insurance is important, this is only one of the many factors that you should consider when comparing car insurance quotes. The deductibles offered by a policy, the level of coverage it provides and its benefit limits all need to be weighed, along with overall cost.
As stated at the beginning, there is quite a bit of information in regards to auto insurance. Hopefully you will find these tips beneficial. You should now find yourself ahead of the game if you are working to become an expert, or just trying to get a bit of background information.
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