UNDERSTANDING ‘PHYSICAL CONTAC
2020 has been a difficult year. If you’re feeling frustrated, angry, or depressed right now, you’re not alone! All over the world, people have been trying different strategies to cope with their feelings, including yoga, meditation, exercise, binge-watching their favorite TV shows, and even baking banana bread. But perhaps the most universal outlet and cure for pent-up emotions is music. Do you remember the clip that went viral in March of Italians in quarantine, singing together from their balconies? If you do, that’s probably because it made you smile. TIME heralded it as proof that “the country’s spirits are still strong,” and it’s just one small example of how music uplifts people. This isn’t just an anecdotal effect, either. According to the National Alliance on Mental Illness, music can help us process emotions and fight mental health conditions like anxiety, dysregulation, depression, trauma, sleep disorders, schizophrenia, and more. So, how can you take advantage of music’s power to turn your mood around? One option is to create music of your own, but another is simply to listen. When it comes to flipping a bad mood on its head, a survey conducted by the Family Center for Recovery (FCR) suggests that rock is the genre of choice. “During any given year, depression affects approximately 5%–8% of Americans,” FCR reports. “According to our survey participants, the vast majority — around 89% — turn to music in order to feel better. The top genre for depressed listeners is rock, followed closely by alternative, pop, and hip-hop/rap.”
What does it take for uninsured motorist coverage to be triggered?
Let’s say that a driver is cut off by another vehicle and a single-vehicle accident occurs, but the two vehicles never touch. The other vehicle leaves the scene of the crash and cannot be found. The driver of the crashed vehicle is injured and has uninsured motorist coverage (UIM).
Will the injured driver’s uninsured motorist protection provide coverage even though there was no physical contact between the two vehicles?
Physical Contact Rules in New Mexico
Unlike some states, New Mexico does not require physical contact with the uninsured vehicle. This policy came to light during the New Mexico Supreme Court case Chavez v. State Farm. The Court decided that New Mexico’s uninsured motorist statute only requires two things:
1. The insured driver be legally entitled to recover damages 2. The other driver is uninsured
What the Insurance Companies DON’T Want You to Know About YOUR RIG
Claims was written to s with vital information 8-wheeler, work vehicle es to bear in mind that up premiums for t ir e amount that they are E ONE GOAL— HAREHOLDERS.
Injured in a Car Accident? The Insurance Company Is NOT Your Friend.
Perhaps unsurprisingly, the blues came in last on the list.
To put the power of music to work, create playlists for each mood that you want to turn around, like “Anger,” “Frustration,” “Sadness,” “Anxiety,” or “Grief,” and fill them with songs from genres associated with fighting that feeling. According to FCR, rock is the most popular antidote to sadness and anxiety, and it’s also high on the list for anger, along with pop and country. Frustrated people opt for variations of rock, pop, punk, and heavy metal, and those stricken by grief turn to soft rock or soul. The artists are up to you, so fill up your lists, press play, and let the music do its work.
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.
g e e e e d es ly
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 misconceptions about your car accident claim • How we hold negligent drivers accountable • What you need to do immediately after an accident • Top five worst auto insurance companies in Texas
“I wrote this book to help you cut through all the confusion surrounding your accident.”
WITH: 12 Dirty Tricks the Insurance Adjuster Will Use to Wreck Your Claim
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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