Don’t Text and Drive!

Text messaging, also known as SMS (short message service), is on the rise from 9.8 billion messages per month in December 2005 to 110.4 billion messages per month in December 2008. With the overwhelming amount of car accidents caused by distracted driving each year, it is with certainty that an extensive amount of distraction is caused by those who text behind the wheel. Distracted driving is an epidemic on America’s roadways. We see it every day; drivers veering in & out of their lane, running a red light, narrowly missing a pedestrian, or simply not stopping in enough time – because their mind is distracted by something else, such as a cell phone.

Every single time a person takes their eyes off of the road while driving, even if it’s for a couple of seconds, it puts themselves and others in danger. Transporting others in your vehicle is a tremendous responsibility, one that many young drivers take lightly. Imagine living with the thought that your decision to pick up a cell phone while operating a vehicle caused someone to suffer a life-altering injury or death. The fight to end distracted driving starts with you!

From texting, to calling, to using mobile navigation systems, people can always find a way to use their mobile phones while being behind the wheel. Texting while driving is an epidemic and it must be cured before it is too late to do anything about it. Currently, there are many states in the U.S. that have laws against the use of cellphones and texting in the vehicle:

Cell Phoe Use & Texting While Driving Laws

Source: National Conference of State Legislatures

Texting While Driving Statistics:
Texting and driving makes you twenty-three percent more likely to be involved in an accident. According to this study conducted by Car and Driver magazine, as well as several others by various safety institutions, using a cell phone to read or send text messages delays a driver’s reaction time as much or more than the legal limit of alcohol consumption.

Texting While Driving:

  • Makes you 23x more likely to crash – National Hwy Transportation Safety Admin.
  • Is the same as driving blind for 5 seconds at a time – VA. Tech Transportation Institute
  • Slows your brake reaction speed by 18% – HumanFactors & Ergonomics Society

Texting While Driving Causes:

  • 1,600,000 accidents per year – National Safety Council
  • 330,000 injuries per year – Harvard Center for Risk Analysis Study
  • Nearly 25% of ALL car accidents

Make the commitment to drive phone-free today. Distracted driving injures and kills thousands of people each year. If you simply cannot resist the urge to check your text messages (or take a call) while driving, take some time to pull off of the roadway and park your vehicle before picking up your cell phone. Also remember, red lights and stop signs are not safe places to check your cell phone; find a parking lot or pull over at a safe location.

If you have any questions, or if you or a loved one have been injured in a car accident as a result of someone else’s distracted driving, call personal injury attorneys Gordon and Gordon at 318-716-HELP.

Uninsured Motorist Protection

Louisiana motorists are generally required to maintain liability insurance on their vehicles. The main purpose of liability insurance is to pay damages on behalf of the insured party in the event that someone is injured by the negligent operation of a vehicle. Under state law, each vehicle must carry liability coverage of at least $15,000 per person injured or killed, and at least $30,000 per accident if two or more people are injured or killed.

Unfortunately, far too many people ignore these laws and drive without the necessary insurance to keep themselves and other motorists protected while driving. To address this problem, Louisiana law requires that every auto insurance policy issued in the state include uninsured motorist coverage, unless the customer specifically rejects the coverage in writing.

What is Uninsured Motorist Protection?

The uninsured coverage must be in amounts at least equal to the policy’s liability coverage, unless the customer opts in writing for lower coverage or chooses coverage for economic loss only, without coverage for pain and suffering.

The law defines an uninsured motorist to include a hit-and-run driver who cannot be identified. Under this circumstance, there must be physical contact between the vehicles unless the injured person can prove, through an independent witness, that the unidentified driver caused the accident. An uninsured motorist is also defined to include someone who is underinsured; that is, they have insurance, but not enough to cover all of the victim’s injuries.

In a serious injury claim arising out of an auto accident, uninsured coverage can play a key role in providing adequate compensation for the victim. It is a good idea for every driver in the state of Louisiana to make sure that they have uninsured coverage in their insurance policy, and if not, to get coverage as soon as possible.

Who Needs Uninsured Motorist Protection?

Louisiana has a mandatory uninsured motorist statute. By means of this, a person in Louisiana buying automobile insurance is also presumed to have bought uninsured or underinsured coverage. Louisiana law specifically requires that the individual purchasing the insurance policy reject such coverage if the mandatory uninsured motorist coverage is not going to be included. In fact, Louisiana has a form that the individual purchasing the policy will have to sign in order for the underinsured coverage to be officially rejected.

This can be important to note because there are occasional cases where we are able to show a judge or jury that the individual purchasing the policy never rejected such coverage before being involved in an auto accident. Courts will hold that they are entitled to underinsured coverage unless they have specifically signed off on the rejection form.

Why Is Uninsured Motorist Protection So Important?

It is estimated that the rate of uninsured motorists on Louisiana roads is approximately 13%. This number is slightly under the national average of 13.8% but still presents a major threat to uninsured and insured drivers alike. If a driver’s expenses are not covered by a form of insurance, they must be provided for by the driver typically out-of-pocket. Lower monthly premiums through rejection or underinsurance also comes with a severe, more costly risk.

When a person is injured by a negligent driver and the driver turns out to be uninsured, the injured person can make a claim against the uninsured coverage of their own policy. The uninsured coverage essentially takes place of the liability coverage that the negligent driver failed to carry.

The experienced auto accident attorneys at Gordon & Gordon understand the troublesome and confusing world of insurance navigation. If you or a loved one are suffering as a result of an auto accident, whether insured or uninsured, please contact us today at 318-716-HELP (4357) for a free and confidential consultation to protect your rights and limit potential liabilities.

Motorcycle Accident Statistics

According to Louisiana State University crash data, for the 5-year period between 2012 and 2016, 433 accidents involved motorcycles- with between 8 and 10% of all fatal auto accidents in Louisiana being strictly from motorcycle accidents. These crashes typically involved persons aged 20 to 29. The highest year for motorcycle accident fatalities in Louisiana was in 2006 with 95 reported deaths, although the number is projected to rise to 97 this year. Louisiana motorcycle accident statistics are impacted in a large part by the number of registered motorcycles. In the 5-year period between 2004 and 2008, the number of reported motorcycles rose steadily from 55,800 to nearly 70,000. This has also caused a steady increase in the number of fatalities simply because of the increase in number of motorcycles on the road.

In the aftermath of a traumatic experience, such as a motorcycle accident involving personal injury or wrongful death, the last thing you need is a lawyer that treats your case like you are just a number. Rest assured that when we take on a case, we give it the individual attention that it deserves, ensuring our clients’ success and well-being after such a tragedy. Contact our motorcycle accident lawyers when you have been involved in any of the following accidents:

  • Head-on or Rear End Collision
  • Drunk or Distracted Driving Accidents
  • Intersection Crashes
  • Multi-Vehicle Accidents

After a motorcycle accident, you may be faced with serious injuries, extensive medical bills, as well as many other hardships. When your financial recovery or health is at stake you should never have to face the uncertainty of the legal landscape alone. At Gordon & Gordon Law Firm, we tackle the complicated claims process for you. We know how to win big in important negotiations and trials alike. We have won millions for our clients in settlements that cover necessary expenses related to the injury, as well as lost wages and damages for personal injury or death.

Don’t trust your future in the hands of just anyone; instead, rely on our motorcycle accident attorneys with over 30 years of experience to find the right solution for you. With our combination of knowledge and compassion for the clients we serve, we are the area’s trusted source for quality legal representation. Call as soon as you are injured in an accident to make sure that all of the necessary evidence and documentation has been handled appropriately, ensuring that nothing will get overlooked.

Let us help you get financial recovery and the measure of justice you deserve. Please call us today to request an appointment with experienced motorcycle accident lawyers Gordon & Gordon. We are proud to serve Shreveport, Bossier & Mansfield, LA, as well as all of the surrounding areas in the Ark-La-Tex!

What is No Pay, No Play?

This is what La. R.S 32:866. has come to be called. What is no pay, no play? Simply put, if you do not have insurance on your vehicle at the time of an accident, even if you aren’t at fault, you cannot make a claim for your property damage or your bodily injury. Specifically, you can not collect the first $15,000 of bodily injury or $25,000 worth of property damage. This applies to not only the driver but also the owner.

For Example: if you’re riding in your own uninsured car with someone else, then you would BOTH be unable to make a claim.

Thankfully, there are some exceptions to this rule:

  • If the driver is found guilty of or if there plead no contest to DUI
  • If the at-fault driver hits and runs
  • If your car is parked

If you have any questions about no pay, no play, please give Gordon & Gordon a call today!

(318) 716-HELP (4357)

If I use my own insurance, will my rates go up?

The question we are often asked, & the confusion we hear about more than any other, is using your own insurance coverage to handle your personal injury claim. Most people believe that their insurance rates will increase. While there is certainly some truth to this, if you are at fault for an accident, yes, your rates can go up, but they will not go up if you are not to blame for an accident.  The State of Louisiana has addressed this issue in La. R.S. 22:1466(A), which says that:

“No insurer shall increase the rate, increase or add a surcharge, cancel, or fail to renew any policy of motor vehicle insurance when such action is based on consideration of one or more non-fault incidents.”

There are a few things to pull out of that statute:

  1. The insurance company can not add any type of charge to your account for you making a claim on your insurance.
  2. They can not take the claim into account, for insurability purposes or for rate purposes, when it comes time for you to renew your policy.
  3. It doesn’t matter at all how many times you make a claim on your policy, as long as you are not assessed any fault for the accident.

At Gordon & Gordon, we have had several clients who seem to have a target on their back. One client was rear ended three times in a year and we were able to make Uninsured Motorist claims without any impact whatsoever on his policy or rates.

If you have any questions, please give us a call at (318) 716-HELP.

Welcome to our new website!

We are excited to launch our newly renovated website.
At Gordon & Gordon, we have over 30 years of combined legal experience in the following areas:

 

Serving clients throughout Shreveport, Bossier, Mansfield & the entire Ark-La-Tex, we are committed to achieving the best outcome for those who have been personally injured due to the fault of others and will go the distance to help our clients.

Give us a call at (318) 716-4357 and let Gordon & Gordon fight for the settlement you deserve!