A PROTECTION EVER UNINSURED/UNDERINSURED MOTORIST COVERAGE
When you lead a busy lifestyle, mental health often takes a back seat to other pressing matters. Thankfully, there are a number of easy- to-use apps to help address this concern. Even if you’re pressed for time, these apps can help you maintain your mental health. And if you’re just looking for some simple resources to guide you through mood-boosting exercises, they’ve got you covered there too. Moodfit (GetMoodfit.com) Think of this app as a fitness tracker for your mind. The mood tracker allows you to record your moods and thoughts and follow trends and changes over time. You can look at these trends yourself or set the app to monitor specific areas of your mood. This highly customizable app is packed with tools and resources to help you with your mental health. In addition to the mood tracker, Moodfit offers a range of breathing exercises and a guide to mindfulness meditation.
What happens if you are involved in a hit-and-run car accident or are hit by a driver who has no insurance? What if you are seriously injured in an accident and the at-fault driver’s policy limits will not cover your medical bills alone? Texas has the 16th highest number of uninsured drivers in the United States. According to the Insurance Research Council, there are more than 15 million licensed drivers in Texas, and about 14% of those drivers do not have car insurance — that’s about 2,115,000 drivers! This is where uninsured/underinsured motorist (UM/UIM) insurance comes in. Every insurance policy has UM/UIM coverage unless coverage is rejected in writing (which you should not reject). Every month, we are contacted by someone who was hit by an uninsured driver, and if the potential client has rejected UM/ UIM, there is nothing we can do. UM protection applies if the at-fault driver has no liability insurance. It also applies if the accident is a hit-and-run. In Texas, there must be contact with the uninsured vehicle for the uninsured motorist protection to apply.
MoodMission (MoodMission.com) If you’re struggling with mental health issues, like anxiety and depression, you may feel like this free, evidence- based app was designed just for you. MoodMission asks you a series of questions to assess how you’re feeling, then suggests a series of “missions” you can complete to help you get into a better state of mind. Missions are short, achievable tasks, like taking a walk around the block or cleaning up a room in your home. Of course, like all the apps listed here, it is not a replacement for professional mental health care, but it offers evidence-based exercises and a level of support that’s not often found in smartphone apps. Talkspace (Talkspace.com) While this app contains a number of mental health tools, its primary purpose is to connect you quickly with one of the company’s thousands of licensed and experienced therapists you can message on a regular basis. Unlike traditional therapy where you schedule an appointment and meet in person, Talkspace allows its user to communicate with their therapist through the app’s encrypted messaging system. It also allows you to request a check- in from your therapist and provides a place for them to upload your therapy notes. Talkspace is more costly than some other apps, but depending on your specific needs, it may be worth it.
UM/UIM coverage follows the insured person, not the vehicle. So, you do not have to be in your insured vehicle for your UM/UIM coverage to apply. You could be a pedestrian and your UM/UIM coverage will still protect you. UM/UIM also covers your family members, individuals who drive your car with permission, and all of the occupants of your vehicle. What the Insurance Companies DON’T Want You to Know About YOUR RIG
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Injured in a Car Accident? The Insurance Company Is NOT Your Friend.
Written by experienced car accident attorney S. Clark Harmonson, this is a valuable resource with the vital facts you need before talking to the insurance company or hiring a lawyer. In this book, you’ll learn everything insurance companies don’t want you to know, such as: • 12 shady auto insurance company tactics • 10 common myths and
g e e e e d es ly
misconceptions about your car accident claim How we hold negligent drivers accountable
“I wrote this book to help you cut through all the confusion surrounding your accident.”
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WITH: 12 Dirty Tricks the Insurance Adjuster Will Use to Wreck Your Claim
• What you need to do immediately after an accident • Top five worst auto insurance companies in Texas
Get your free copy at ClarkHarmonsonAttorney.com or by calling our office at 915.584.8777 .
AR ACCIDENT… ET THIS RIGHT!
2 • www.ClarkHarmonsonAttorney.com
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