What Steps to Take Immediately After a Car Accident

Did you know that, according to automobile insurance industry experts, the average individual will experience an auto accident about once every 18 years or so? This means that, over the course of an individual’s lifetime, they might experience about four car accidents. While four may not seem like a large number, it is when speaking about auto accidents. Many of us are fortunate enough to have yet to experience this scenario. And, while we hope we never find ourselves in the situation, it is best to be prepared. Knowing what steps to take immediately after a car accident can save you a lot of time, hassle, money and stress. Keep reading for more information and to ensure you are prepared in the event you are involved in an accident.


Remain Calm

It’s common to be shaken up after a wreck. Breath. Make sure you are not injured. Try not to send yourself into a panic. Remain calm, turn off your vehicle, turn on your four-way flashers and check the traffic before getting out of the vehicle.


Check on Others

If there were others involved in the accident or in your vehicle, make sure they are okay. However, do not say the words “I’m sorry.” You do not want to bring up who’s at fault at this time. If you are first aid certified, give aid to anyone who needs it. Be sure to call an ambulance. Do not move anyone who is injured because it could possibly make their injury or injuries worse.


Prevent Further Damage

Try to prevent any further damage or accidents from happening. Make it apparent to others that are nearing your accident so that they are warned.


Call 9-1-1

Contact the police and tell them the true facts of what happened. Be sure to cooperate with police officers. You should always call the police following an accident so you have an accident report on file.


Get Information

As long as you are able to gather information at the scene. Get the names, phone numbers and addresses of the others who were involved. If there are witnesses, get their information also. Take pictures of any damage and be sure to document it.


See a Doctor

If you have any doubt that you might be injured, seek care from a doctor immediately.


Call Your Insurance Company

Contact your insurance company and tell them about the accident. Be sure to cooperate with them and provide them with all the information they need.

Contact a Lawyer

If you were injured, consult an attorney who has experience with handling personal injury cases. They will let you know what your legal rights are and work to represent you in getting the compensation you deserve.


If you or someone you know has been injured recently in an auto accident, contact the Law Offices of Pat Maloney for further information. Our experienced team will work on your behalf to ensure you get what you deserve.

3 Secrets of Workers Compensation Settlements

It’s no secret that it’s not always easy to get workers compensation settlements. Some cases are open-and-shut. Some employers’ insurance companies don’t fight you every step of the way. But even when everything goes smoothly, you may still have some surprises in store.



Every Part of Your Case Has Value

It might surprise you to know that every detail factors into how much is paid out in workers compensation settlements. This includes:



  • Whether your disability is partial or total, temporary or permanent.
  • How much time you have lost from work, day by day, hour by hour.
  • The sum total of all your related medical bills, which means it’s critical to keep track of all your paperwork.
  • Whether you’re willing to accept a lump-sum settlement or structured payments.
  • Pain and suffering, for yourself and your family.


Settlements Aren’t Simple

Getting workers compensation settlements isn’t as simple as saying “okay” and getting a check. There are many factors to consider, such as:



  • You don’t have to accept the first amount offered to you, but consider this: If negotiations fail and you proceed to litigation, there’s a chance the judge won’t see things your way and you’ll wind up with nothing.
  • One of the stipulations of accepting working compensation settlements is often giving up the right to seek further compensation for the same injury later, if the symptoms linger.
  • If you’re deep into the process and are worried that your employer hasn’t offered any kind of a settlement at all, it may not be because they’re hedging their bets or digging in their heels. Depending on what state you’re in, there may be regulations that stipulate exactly when a settlement can be offered, and you simply haven’t reached that point yet.


Once It’s Done, It Can’t Be Undone

As mentioned above, once all parties involved agree on workers compensation settlements and have signed on the dotted line, you can’t come back later and ask for additional money, even if you need more treatment for the same injury.


Make sure your case is done right the first time with a professional from the Law Offices of Pat Maloney. Contact us today.

6 Things You Didn’t Know About Third-Party Insurance Policies

Third-party insurance policies are something few people think about. It’s something you’ll be grateful to have — or wish you had — when something happens and you understand why they’re necessary.


Most of us are familiar with what is termed “first-party” insurance. It’s purchased by an individual or a business entity to protect against unforeseen calamity. Examples include:


  • Home or other property insurance.
  • Health insurance.
  • Life insurance.


Third-party insurance policies are purchased by an individual (first party) from an insurance company (second party) to protect against the legal actions filed against you by someone else (third party) (definitions courtesy of Business Dictionary). A more familiar term for “third-party insurance” is liability insurance.


Examples of third-party insurance include:

  • Workers compensation.
  • Malpractice insurance.
  • Employment practices insurance, which covers claims such as wrongful termination.


Homeowners and auto insurance policies generally contain elements of both first- and third-party policies.


What you know about third-party insurance policies can help you — and what you don’t know can definitely hurt you.


  • You (the first party) are financially responsible for your own damages, which means if someone slips and falls on your property and you hurt your back helping them up, you still have to pay for your own treatment as you normally would. And it won’t prevent the other person from filing a liability claim against you.
  • Even if you’re not at fault in a car accident, you can be held liable. In this case, the liability part of your insurance policy can be invaluable.
  • Bodily injury coverage, which is required in all 50 states, protects you from financial ruin if you’re found liable in an accident. This covers costs such as medical bills, loss of income, and legal costs.
  • In a car accident, third-party insurance also covers damage to property other than cars, such as trees, fences, or even buildings.
  • Do you rent your home or apartment? You still need a third-party insurance policy to cover the cost of your belongings if the dwelling is damaged or destroyed by events like fires or storms. It can also kick in if a visitor to your rented home is hurt while they’re there.
  • There’s usually a limit to how much a third-party insurance policy will pay, so it’s important to read and fully understand it. You’re on the hook for whatever the policy doesn’t pay out.


Don’t be caught unprepared and uninformed. We can ensure your third-party insurance company lives up to its obligations. Contact us today.

You Need a San Antonio Accident Attorney—Here’s Why

Accidents happen every single day. Most of the time, they are simple affairs: fender benders. However, there are some instances in which things become more complicated; at that point you need a San Antonio accident attorney in your corner to handle your case. Here are some reasons why you need to hire an attorney if you have been in an accident:


  • When the fault of the accident is contested. If the other driver or their insurance company does not admit or accept fault, you need someone to fight this battle for you in court. There is too much at stake for you to try to do it alone.


  • When you have paid a substantial amount of money out-of-pocket. If your medical expenses and loss of income begins to eat into your savings significantly, it is time to consult an attorney. An attorney can help speed along your case and prevent your losses from mounting further.


  • When you want to use an alternative dispute resolution method. An attorney can handle negotiations with the insurance company and the other party/parties involved in the accident. Your attorney can try to get a settlement for you without having to go through the courts or put you through any additional mental or emotional strain.


  • When you don’t have more time to invest in settling your claim. If you have missed time from work, you are probably already out a substantial amount of money and simply cannot afford to spend any more time in court. If you turn your case over to an attorney, they can handle all the details so you can concentrate on life.


No one ever wants to be in a car accident. It is at best a nuisance and at worst a life-altering event. Having a San Antonio accident attorney on your side can help ease some of the distress you are experiencing. For more information, contact the Law Offices of Pat Maloney at (210) 226-8888.


4 Services a Texas Construction Accident Attorney Provides

Accidents, by their very nature, happen unexpectedly. They often prove to be traumatic and can cause great upheaval in an individual’s life. Construction accidents can be especially life-changing. If you or someone in your family has been involved in one of these accidents, engaging a Texas construction accident attorney may be the best course of action. An attorney who specializes in these types of cases can help you out in several ways:


  • An attorney can answer all of your questions. The period immediately following a construction accident can be a time of great confusion and uncertainty. At times like these, it is great to have someone you can trust that can answer your questions.


  • Injury attorneys can handle the insurance companies. While you are out of work recovering from your injuries, dealing with insurance is one of the least pleasant yet most critical chores. Your attorney can take care of these interactions on your behalf.


  • Attorneys can negotiate settlements. After an accident, recovering from your injuries and coping with emotional stress are first and foremost in your mind. When the time comes to settle your injury claim, your attorney will be the one negotiating the best settlement for you. They know what is realistic and fair.


  • Your attorney is your advocate. They will be by your side every step of the way. Filling out paperwork, making phone calls to insurance companies, and handling legal matters are just some of the ways your attorney advocates for you. Ultimately, they are your main ally, and will guide you through the difficult process.


Hiring a Texas construction accident attorney may be one of the best decisions you make. You will need someone on your side during this tumultuous period, someone who knows the ins and outs of the legal system. Your attorney is on your side! For more information, contact the Law Offices of Pat Maloney at (210) 226-8888.


6 Benefits of Working with a San Antonio Personal Injury Lawyer

Accidents happen every day and they can be devastating, not only physically, but also emotionally. If you or someone you know has been injured in an accident, it is important for you to be aware of your legal rights. Hiring a San Antonio Personal Injury Lawyer, it is arguably the best decision that can be made in handling your case.












1. Personal injury lawyers have built their practice on these types of cases, and they can tell you from the beginning whether to pursue legal action. If you are unlikely to win your case, an attorney will tell you beforehand, thus saving you time and expenses.


2. Usually, attorneys work with a team that has experience and expertise in specialized areas. The investigative team can spend the time and resources on your case that most people cannot afford to spend by themselves.


3. Lengthy and complicated trials are often not necessary to resolve a case. Having a lawyer handling your case opens up the possibility of an alternative dispute resolution (ADR).


4. Some San Antonio personal injury lawyers work on a contingency basis and do not collect any fees unless your case is won. However, without an attorney, you are responsible for certain expenses that are not related to attorney services (such as medical bills).


5. Attorneys are used to working directly with insurance companies, so they are more adept at understanding the workings of insurance corporations and will not be confused by their tactics nor will they feel pressured to settle for a less than satisfactory sum.


6. The desired result of a personal injury case is a settlement that will leave the injured person in a better position financially. Personal injury lawyers are especially skilled at negotiating the best settlements possible on behalf of their clients.


These are just some of the many benefits of hiring a San Antonio personal injury lawyer. If you are interested in more information, feel free to contact our offices at 210-226-8888 or by clicking here.


How to Hire a Reliable 18 Wheeler Accident Lawyer

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If you’re in an accident with an 18 wheeler, it’s absolutely imperative you hire an attorney as soon as possible. These large trucks are often owned by freight companies and large corporations, and they typically have high-powered lawyers on their side. Those lawyers may attempt to pin the blame on you, so their employers don’t have to cover your medical bills, car damages and other expenses. If you wantto stand a chance of fighting back and getting the money you’re due, you’ll need to hire an 18 wheeler accident lawyerfast.

Here are 4 tips to find the best 18 wheeler accident lawyer for you:

    1. 1. Look at past case results. For any 18 wheeler accident lawyer you’re considering, always ask to see their most recent case results. Be sure that the attorney you choose has a record of winning truck accident cases.


    1. 2. Check customer reviews. Take a look at online review sites and make sure past customers have been satisfied with the attorney’s work before you hire them. If you can’t find any reviews, ask the attorney if they can give you contact info for a past client, so you can ask about their experience yourself.


    1. 3. Meet them in person. Always meet a lawyer in person before you decide to hire them. Make sure the two of you communicate well, and that they seem ready and willing to take on the job.


  1. 4. Check their credentials. Do a quick background search and learn a little about the attorney. How much experience do they have? Where did they go to school? What is their Martindale-Hubbell rating? These can all give you insight into their abilities as a lawyer.


Need a reliable 18 wheeler accident lawyer? Then contact the Law Offices of Pat Maloney today. Our experienced team of attorneys can help.


The Ultimate Guide to a Successful Car Accident Law Suit


Sometimes, car accident cases are settled easily. The insurance companies evaluate the damage, they offer some amount of compensation, and everything is done and closed within a matter of weeks. It’s easy and hassle-free. Unfortunately, not every single case is like this. In fact, some cases even require legal action. If the insurance company refuses to pay the appropriate amount of compensation to the victim, the victim may opt to file a car accident law suit so they can seek the full amount of money they’re rightfully due.


If the at-fault driver’s insurance company just isn’t offering enough compensation in your car wreck case, then it may be time to consider filing a formal car accident law suit. Here’s what you’ll need for it to be successful:


    • Ample evidence – First and foremost, you’re going to need plenty of evidence that pins the blame on the other driver – and pulls attention away from you. You’ll want a police report, any traffic camera footage that’s available, eyewitness statements from anyone who may have seen the accident go down, pictures of the car and accident scene, and any other evidence you can get your hands on. If evidence is limited, a day-in-the-life video can be especially helpful, as it can shed light on the true hardships you have experienced as a result of your accident and the injuries it has caused you.


    • A solid story – If you want to be sure that you’re not stuck shouldering any of the blame for a wreck you didn’t cause, you need to have your story down pat. When you talk to a representative of the other driver – their insurer or their lawyer – always stick to the same details. Don’t give more information than you need to, and be careful not to apologize, admit any type of fault, or go back on any elements or details you may have shared earlier in the process. Doing so can show you’re an unreliable and untrustworthy witness, and it can actually implicate you in the wreck. Ultimately, that means you get less money, and the driver who was at fault doesn’t have to pay out the full amount they should. So after the accident, sit down and piece together exactly what happened so you’ll have it straight in your head and won’t have a changing story.


    • An experienced lawyer – Hiring a lawyer can go a long way toward ensuring your car accident law suit is a successful one – especially if the lawyer you hire is experienced. They’ll know what evidence to gather on your behalf, they’ll know how to ensure you’re not stuck footing the bill for an accident you didn’t cause, and they’ll know how to fight for your rights and get you the compensation you deserve.


  • Proof of damages – In addition to having evidence that the other driver is at fault for your wreck, you’ll also need proof of any and all damages you suffered. You’ll need bills that state the costs and expenses you incurred because of injuries or medical care, estimates and receipts from car repair and body shops, and documentation of any days or hours you missed from work. Once all these are gathered, your attorney can accurately determine how much your accident case is worth. This can also help them when evaluating any offers or settlements that come in. If an offer is not up to snuff or won’t cover all your damages and expenses, the attorney can refuse it and try to negotiate a new amount.


Once you have these four elements in place, your car accident law suit should be well-positioned for success. Contact an attorney at the Law Offices of Pat Maloney to get started on your case today.


The Ins And Outs Of Filing A Workplace Injury Claim

When you’ve been hurt on the job, the last thing you should have to worry about is money. You shouldn’t have to deal with the costs of medical treatment, the wages you’re losing, or any other financial pain. You should be able to focus on recovering and healing from your injuries. Thankfully, if your employer carries workers’ compensation insurance, you may be able to do just that. In many cases, the insurance provider will take care of your medical bills, lost wages, and more, so you can recover in peace. Unfortunately, not all employers carry workers’ comp insurance, and even if they do, it doesn’t cover all types of injuries. In this case, if you’re hurt on the job and workers’ comp won’t help, it’s time to take legal action and file a work place injury claim.

What is a Work Place Injury Claim?

A work place injury claim can ensure you’re compensated for all the expenses and costs you’ve had to incur from your accident. It can cover your medical bills, pay your wages while you’re away recovering, and even cover transportation costs to and from your treatments.

All in all, a work place injury claim may compensate you for:

  • Any medical expense you incur, including current costs, prescription expenses, and any treatments you expect in the future, such as rehabilitation, therapy, and more.
  • Lost income and wages you’ve racked up from being unable to work.
  • Income and benefits you will lose in the future if your injury has rendered you unable to do your job.
  • Any property that was damaged during the course of your accident.
  • Punitive damages, if the employer, coworker, or other party involved was extremely reckless or negligent in their behavior.
  • The pain and suffering you and your family have had to endure.
  • Any reduction in your quality of life because of the injury.


There may be other types of damages available, too. To determine the damages your specific case could garner you, it’s best to speak to a qualified legal professional who can evaluate your injury and accident to the fullest.

When You Can File a Work Place Injury Claim

Workers’ compensation is not the answer to every injury that occurs in the workplace. In fact, sometimes it’s not even possible. There are a number of situations in which a work place injury claim is either the only choice, or could garner the victim more compensation. Some of these include:


  • Your employer doesn’t have workers’ compensation insurance.
  • Your employer intentionally caused your accident or was extremely negligent in causing it.
  • Your injuries were the result of exposure to toxic chemicals in the workplace.
  • Your injuries stemmed from a defective product, piece of equipment, or machine.
  • Your accident was caused by a third party, such as another worker, a subcontractor, a property owner, or some other person on the scene.

Getting Started with a Work Place Injury Claim

If you’ve been injured on the job, your first step is to notify your employer. If your employer has workers’ compensation coverage, they will begin the claims process with their insurer and you will have to go through them for compensation. If there are undue delays regarding your claim or you have problems getting the funds you are due, speak to an attorney for guidance.


If your employer informs you they do not have workers’ comp, then get in contact with a lawyer as soon as possible. They’ll be able to advise you on the legal action you should take and help you file your work place injury claim, so you can get the compensation you deserve.

Hurt on the job? Contact the Law Offices of Pat Maloney today for help.

The Dangers of Not Hiring a Workplace Accident Attorney

Though it is possible to handle your own workplace injury claim, the truth of the matter is that it’s really not in your best interest. If you want to ensure that you have the best chance at paying your medical bills, recouping your lost income and retaining your job, then hiring a workplace accident attorney is a necessity you can’t afford to skip.

If you decide not to hire a workplace accident attorney, you could find yourself making these common (but ultimately costly) mistakes:

  1. Clerical errors and missed deadlines – Without a professional attorney on your side, you run the risk of filing the wrong paperwork, missing a deadline or forgetting an important form. These could all leave you footing the bill for your own accident.
  2. Incorrect or absent medical documents – If you’re not well-versed in injury claims, you probably won’t know what medical documents and records are necessary to prove your injury, or how to request them properly. With the help of an experienced workplace accident attorney, you can rest assured that this won’t be an issue.
  3. Retaliatory termination – Though employers aren’t legally allowed to fire you because of your workplace injury, some employers may try to illegally terminate you anyway. Fortunately, this is a lot less likely to happen when you have a professional attorney representing you.
  4. Low settlement– If you’re not sure exactly how much money you’re due – from your injuries and medical bills, lost income, and disability payments – you could end up settling for much less than your claim is actually worth. An attorney can help accurately estimate what you’re due and ensure you get the settlement you deserve.

Do you want to prevent these unfortunate occurrences in your injury claim? Then contact a workplace accident attorney at the Law Offices of Pat Maloney today for help.