Last month, we featured an article on uninsured/underinsured motorist (UM/UIM) insurance. Because it can be a complicated topic, we want to dive into it further and talk about other options that exist outside of these UM/UIM insurance policies. Texas has an insurance statute that allows you to sue your own insurance company when it acts in bad faith by failing to promptly pay a valid claim. However, the Texas Supreme Court has severely limited the recourse you have against your own insurance company when they fail to pay your UM/UIM claim, making this statute very unfavorable for injured victims. Consider the case of Brainard versus Trinity Universal Ins. Co. In this case, the Texas Supreme Court held, “an insurer in Texas has no contractual duty to pay benefits [on a UM/UIM claim] until the insured obtains a judgment establishing the liability and underinsured status of the other motorist.” This ruling has turned traditional bad faith law on its head and left Texas UM/UIM insurance policies in a confused state. A good personal injury lawyer can help you navigate a UM/UIM claim in light of the Texas Supreme Court precedent. FURTHER PROTEC AGAINST UNINSU
Getting your day started with coffee isn't always enough. Sometimes, you need to give yourself an extra boost, especially when you have little energy or trouble focusing. For an awesome start to your day, here are five tips to get you going right off the bat. Wake up 5 minutes early. What’s the power of five minutes? It can be more than you think. Spend this time doing simple breathing exercises or a quick meditation so you can get focused for the rest of the day. If that’s not your style, you can prepare a quick to-do list for your day ahead. Either way, it’s always nice to have a little extra time for yourself without losing too much sleep. Start with green tea, then coffee. A cup of coffee at 7 a.m. can leave you burned out by 10 a.m. Try swapping it with green tea for a more gentle wake-up call. After that, you can brew your favorite coffee to keep you going strong. This practice also might help you consume less caffeine overall! Take a quick morning walk — and have your meetings on the go. Morning meetings can make us want to fall asleep again. Don’t spend all of them sitting down if you don’t have to! Not only will morning walks help you wake up, but they can also add some extra physical activity to your day. Write in your journal. Who says you have to journal at the end of the day when you’re tired and ready to sleep? You can journal in the morning about what happened yesterday and the things you’re looking forward to that day. Journaling can remind you of your daily goals and motivate you to stick to your commitments. Pack your lunch (or snacks!). Staying on track with your goals starts with having the energy to do them. Plan a healthy balance of fats, vegetables, carbohydrates, and proteins. This can be as simple as assembling dips, carrots, wraps, and salads each morning.
However, UM/UIM insurance is not your only option. There are other potential resources you have at your disposal if you are involved in a hit-and-run accident or an accident with an uninsured driver. What the Insurance Companies DON’T Want You to Know About YOUR RIG
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