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April 2018 Archives

The facts about independent medical examinations

One way insurance companies may try to turn you down for an injury claim is to say that whatever injuries you have sustained are either exaggerated, misdiagnosed, or do not exist. Showing the results of medical exams from your Texas doctor that prove you have indeed been hurt can show you are deserving of benefits. But then an insurer throws another hurdle your way, claiming that you used a doctor that is too biased in your favor. They want an independent medical examination conducted instead before they will proceed with your claim.

What is uninsured motorist coverage and must I carry it?

Getting struck by a motorist who does not carry the proper insurance can add more frustration and anger on top of the damage your automobile has sustained. After all, the law requires motorists to carry insurance in the event of an accident, so it feels wrong that the at-fault motorist does not possess insurance to cover your damages. However, Texas drivers do have an available safeguard against uninsured motorists in the form of uninsured motorist coverage.

What is long-term disability insurance?

Regardless of your age, there is a chance that you could become disabled either through an accident or due to a medical condition. To help plan for your future and ensure you can still take care of your obligations in Texas should you become disabled, you have the option of getting long-term disability insurance. 

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Jon Michael Smith Attorney

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Austin, TX 78731

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