Automobile Accidents

Accident with an Uninsured Driver?

Accident with an Uninsured Driver?

In 2022, 14% of motorists, or about one in seven drivers were uninsured, according to a 2023 study by the Insurance Research Council (IRC) (in Missouri, it was 16%). While all states require drivers to carry a minimum amount of car liability insurance on a vehicle, not everyone does so you want to make sure you have enough uninsured coverage.

In Missouri, drivers are required to carry a car liability insurance to protect and compensate others injured in a car accident where you are legally at fault, and uninsured insurance (UM) to protect you from drivers who do not have car insurance.

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Impaired Driving: What Does .08 Look Like?

Impaired Driving: What Does .08 Look Like?

Thanksgiving weekend is the most traveled holiday period of the year and DUI arrests are at their highest between Thanksgiving and New Year’s Day. Impaired drivers make it a dangerous time to be on the road. Why? Because alcohol and drugs decrease your ability to drive a motor vehicle safely. The more you consume, the more you are impaired. Impaired driving alters your judgment, response time and other driving abilities so when you decide to get behind the wheel to drive, there is a higher likelihood that you will be involved in a car accident.

This general overview may help you gain a better understanding of how alcohol and drugs can affect your driving abilities.

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How does a pre-existing injury affect a car accident claim?

How does a pre-existing injury affect a car accident claim?

In any personal injury accident claim, insurance companies look for reasons to offer you a low settlement. If a pre-existing injury exists, they might use this when determining an offer. But having a pre-existing condition or prior injury does not mean you do not have a claim or have not suffered trauma. Being in a car accident can worsen an existing injury and contribute to the treatment you need.

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Drug-Impaired Driving

Drug-Impaired Driving

For many, impaired driving might be defined as being under the influence of alcohol when operating a motor vehicle. Impaired driving is really driving under the influence of ANY substance that alters your judgment, response time and other driving abilities. That includes both alcohol-impaired and drug-impaired driving.

Driving impaired by any substance—alcohol or other drugs, whether legal or illegal—is against the law in all 50 states and the District of Columbia.

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Distracted Driving Accidents are Preventable

Distracted Driving Accidents are Preventable

It is easy to get distracted while driving. But the good news: Distracted driving accidents are preventable. These safety tips can help you avoid distractions, prevent distracted driving behaviors, and focus on the road to keep you, your passengers, and other motorists safe.

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Texting and Driving Kills

Texting and Driving Kills

Distracted driving is a dangerous driving behavior. Between 2012 and 2020, more than 29,000 people have died in crashes related to driver distraction. In 2020 alone, 3,142 people died and 324,652 were injured. While we hear catch phrases centered around texting and driving (‘Arrive alive, don’t text and drive.’), distracted driving involves many activities that fall in three types, visual, manual and cognitive.

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Defensive Driving Practices

Defensive Driving Practices

Defensive driving is when motorists use accident preventing techniques with a focus on driving safely. In general, be aware of what other drivers are doing, expect the unexpected and be prepared to avoid it. Use the following defensive driving practices to become a safer driver.

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Rear End Car Accidents

Rear End Car Accidents

Rear end car accidents – when one vehicle is hit in the rear by another following behind – are one of the most common car accidents on the roadway today. Even though they don’t typically cause fatalities, whiplash is one of the most common injuries suffered. They can also cause neck and spine injuries and concussions.

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Why are T-Bone Accidents Dangerous?

Why are T-Bone Accidents Dangerous?

T-Bone accidents, otherwise known as side impact collisions or broadside collisions, happen when the front of one car hits the side of another in a perpendicular fashion. These types of collisions often result in serious injuries, sometimes even fatalities.

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Be a Responsible Driver This Holiday Season

Be a Responsible Driver This Holiday Season

December is a  time when many engage in drinking alcohol during the holidays. It also makes it a good time for alcohol awareness campaigns such as Drive Sober or Get Pulled Over to remind people that drinking and driving do not mix. Alcohol use impairs judgment, delays reaction times, and drunk driving can be deadly. Be a responsible driver, use these tips and drive sober.

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