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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.

Want the Best Lawyers in San Antonio, Texas?

If you’ve been hurt in an automobile or trucking accident or suffered workplace injuries, you want the best lawyers in San Antonio, Texas, on your team to ensure you don’t suffer any more than you already have.

How do you go about finding not just a good lawyer, but the very best for your particular case? It’s not unlike shopping for any other vital addition to your life — make a checklist.

 

Chemistry Counts …

You never forget how someone makes you feel. When you step into the offices of the best lawyers in San Antonio, Texas, it doesn’t matter how many degrees hang on the wall or how many reviews you read online. Your gut will tell you if this is the right attorney for you. It’s not unlike looking for the right doctor: if you aren’t completely comfortable, keep looking.

 

… And So Does Experience

Having said the above, don’t check your logic at the door. The best lawyers in San Antonio, Texas, not only have years of experience, but their knowledge of applicable regulations and the latest technology is also deep and wide. They may even have received specialized training to handle a case like yours.

 

Their Ads Should Contain Information, Not Hyperbole

When you’re scanning the ads for an attorney, bigger and flashier isn’t always better. Look for no-nonsense verbiage that will tell you at a glance if this office has a qualified and experienced lawyer.

 

Ask for Referrals

Chances are, you know someone who’s been through a similar situation and can pass along the name of the attorney they worked with. This can be a good place to start, but the best lawyers in San Antonio, Texas, will be honest if they aren’t the right lawyer for your case, and will refer you to someone who is. And don’t forget about your local bar association as a source of information and referrals.

 

Looking for the best lawyers in San Antonio, Texas? Start right here.

Avoid Getting Disappointed by a San Antonio Personal Injury Attorney

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When you hire a San Antonio personal injury attorney, you have high hopes for a legal decision in your favor. Too often, though, you wind up on the losing end—a result that could have been avoided if you’d asked a few more questions before settling for less than the best.

 

 

A good San Antonio personal injury attorney needs more than a wall of framed, official-looking certificates. This person should possess qualities that sometimes aren’t easily discerned.

 

Tells It Like It Is

When you arrive for what is often your free, initial consultation, a good attorney will look over your case with a critical eye and tell you upfront whether you’ve got a solid chance at winning or if it will be a hard row to hoe.

 

A good San Antonio personal injury attorney will also be honest about the fee structure so there aren’t any surprises when the bill comes due.

 

Answers All Your Questions

There’s no such thing as a stupid question, so ask away. A good attorney will answer them all, and maybe some you hadn’t thought to ask, such as:

  • Whether they will be working your case solo or using assistants.
  • Whether their firm is insured.
  • If they specialize in your type of personal injury case and their record of winning such cases.
  • How long they expect the process to take before the case is resolved.
  • If they have a list of referrals.

 

Appreciates That You’re Picky

How do you put a smile on a San Antonio personal injury attorney’s face? Walk into the initial consultation prepared:

  • Show that you’ve done some research into this attorney’s and the firm’s background.
  • Have all your relevant paperwork in order—police reports, doctor’s notes, medical records and receipts, photographs of the scene and your injuries, etc.

 

You want only the best San Antonio personal injury attorney. We want the best outcome for you! Give us a call today.

What Happens When You Hire a Texas Construction Accident Attorney?

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Construction accidents happen in the blink of an eye, but then, without a Texas construction accident attorney on your side, time seems to slow to a crawl as everyone from your employer’s insurance company to worker’s comp to even the medical establishment seem to drag their feet.

Meanwhile, you and your family are going without a paycheck.

Here’s what happens when you hire a Texas construction accident attorney:

  • The sooner after an accident you hire a lawyer, the more likely it is you’ll navigate the system more quickly and without mistakes that can cost time and money.
  • A lawyer can help you cut through mountains of paperwork and act as your advocate with your insurance company, your employer, and the worker’s comp system to get you the compensation you need as fast as possible.
  • An attorney will know all the ways you can receive compensation for expenses incurred from your injuries, including medical expenses, lost income, and the estimated cost of future treatment, therapy, and negative impact on your future earning potential.

When should you contact a Texas construction accident attorney?

Ideally, no more than one or two weeks after the accident occurred.

What happens after you make the initial phone call?

You will schedule an initial consultation, which is usually free. Remember to bring a few things with you to streamline the process and help the attorney determine the validity of your claims, such as:

  • A copy of the contract you signed when you were hired.
  • Pictures of the scene of the accident. Provide the exact address.
  • Pictures of your injuries, even if they aren’t immediately visible. Photograph where it hurts, and take more pictures hours and even days later, as some bruises and swelling may take time to appear.
  • Copies of medical records, doctor’s notes, names and contact information of all the doctors who examined you, x-rays and their associated reports.
  • A calendar marking the days you’ve missed from work since the accident.
  • Names and addresses of witnesses

Need to schedule a consultation with a Texas construction accident attorney? Call us and set up an appointment. We’ll give you a complete list of items to bring with you to our initial meeting.

San Antonio Law Firms Cover More Than Just San Antonio

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Many clients assume that just because a law firm or attorney is physically located in San Antonio, they only serve customers in that area. While it’s true that a good chunk of San Antonio law firms have clients from the Alamo City, those aren’t the only people these lawyers can serve.

 

In fact, San Antonio law firms can serve clients from all over the country. Let’s take a look at just a few of the non-San Antonio customers they serve:

 

  • The Austin-New Braunfels market. San Antonio law firms are particularly convenient for those located in Austin, San Marcos, Boerne, New Braunfels, Round Rock, Georgetown, Kerrville, Fredericksburg, Seguin, Pflugerville and other cities in the surrounding region. For the most part, these locations are only about an hour or two away, making the drive doable should the client need to visit the lawyer’s office at any point.
  • The state of Texas. In general, most of the laws in San Antonio stand true across the state of Texas. Sure, there are a few discrepancies, but on most things—like statutes of limitations, court procedures, etc.—the standards remain the same. This makes San Antonio law firms more than qualified to handle cases from across the state.
  • The nation. San Antonio law firms can also handle national cases, particularly when they’re part of a class action lawsuit that has plaintiffs all over the country, or when cases pertain to a Texas or San Antonio issue. For example, say a resident of Oklahoma is suing a San Antonio trucking company for a recent truck wreck. A San Antonio law firm would make an ideal choice for representing the plaintiff, since it is located near the trucking company and can easily meet with the trucking company’s attorney, visit their facility and gather the proper evidence.

 

If you think San Antonio law firms are only reserved for San Antonio residents, think again. Pat Maloney and his San Antonio team have served clients all over the great state of Texas and the nation, so next time you’re in need of legal aid, contact us as soon as possible. We’re here to help—no matter where you might call home.

 

Processes of San Antonio Law Firms

Hiring a lawyer can be confusing – especially if it’s your first time. Unfortunately, many San Antonio law firms out there don’t make it any easier. They simply take your case and run with it, failing to explain how it will be handled and what you can expect along the way. It can be frustrating and disheartening to say the least.

 

To help you get a better picture of how your case will proceed, we’ve pulled together a comprehensive list of the steps and processes you can expect your case to go through – from start to finish. Check it out below.
Processes Your Case Will Go Through

Once you’ve hired an attorney from one of the many San Antonio law firms out there, you can expect your case to go through these processes:

 

  • The initial meeting. You’ll meet with your attorney, go over the details of your case, and discuss expectations.
  • Filing. Your claim will be filed with the courts and the other party will be notified. If you’re going to trial, a court date will be set.
  • Evidence gathering. Your attorney will begin gathering physical evidence, lining up eyewitnesses and finding experts to testify during trial.
  • Negotiation/mediation. If the other party wants to keep the case out of court, they may try to negotiate an out-of-court settlement. Your attorney will field these and ensure they’re an adequate amount and advise you on accepting or rejecting them.
  • Trial. Your case will go to court before a judge or jury. Your attorney will present evidence and argue your case until a verdict is given.

 

Depending on the exact details of your case, these processes may take anywhere from just a few days to months or even years. Your attorney is best equipped to estimate the time your case will take. Want to learn more about the processes your case will go through? Contact the Law Offices of Pat Maloney today.

3 Ways To Avoid Disreputable San Antonio Law Firms

While there may be some attorneys out there with a less than stellar moral code, not all lawyers are like this. With careful research, you can learn how to sift through the bad ones and find an attorney who’s trustworthy, reliable and experienced. If you want to avoid disreputable San Antonio law firms and lawyers in your search, follow these three tips:
Three Ways To Avoid Disreputable San Antonio Law Firms:

1. Thoroughly check reviews and ratings first. You can gain a lot of insight into a firm by reading online reviews and ratings. These can tell you which firms have satisfied clients, which ones are trustworthy, and which ones have done little to help people. This can go a long way in helping you sort out the good and the bad options.

2. Don’t go by billboards or commercials. The quickest way to find disreputable San Antonio law firms is to look for flashy daytime commercials, and although they might look impressive, they’re usually a cover-up for inexperience. Great law firms don’t need to use big-budget advertising to get clients; they get by on word of mouth and recommendations.

3. Meet with each firm first. Always visit a firm before deciding to let them handle your case; you can learn a lot from a quick sit-down with an attorney. Note their attention to detail, their communication style, and how much they seem to care about your case. You can also get a glimpse into the inner workings of their firm, including how well organized it is, how neat and tidy it looks, and how efficient the team is. Remember that it’s much easier to spot a bad firm in person than over the phone.

If you are currently looking for San Antonio law firms to handle your case, come to the Law Offices of Pat Maloney. Trusted, experienced and reliable, you can count on us to see your case through to success. Call now to get started.

 

Choosing the Best San Antonio Workers Compensation Attorney

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When you’ve been hurt on the job, you’ll likely need to file for workers’ compensation in order to get funds for your medical bills, lost wages and other expenses associated with your injury. Unfortunately, workers compensation insurers (and employers who use them) aren’t always the most cooperative organizations, and they will try to pay out as little as possible. If you want to ensure you get all the funds you need to cover your accident, enlisting the help of a San Antonio workers compensation attorney is your best bet.

 

A San Antonio workers compensation attorney can fight for your rights and ensure you’re not taken advantage of by insurers or your employer. Want to find the best workers comp attorney for your case? Follow these tips:

    1. Meet them face to face. Always schedule a face-to-face meeting before deciding on an attorney. See if your personalities mesh, and make sure they’re experienced and professional enough to handle your case.

 

  1. Ask them to estimate the worth of your case. Ask any attorney you’re considering to give you an accurate estimate of your case’s worth. This will show that 1) they’ve done their research and 2) they’re experienced enough to know what your case (and others like it) can garner.
  • Learn about their experience – specifically as it relates to workers comp. Have the attorney discuss his or her experience in workers comp in depth. How long have they been handling these kinds of cases? Are they board certified? The more experienced they are, the better your case will fare.

 

  • Do your research. Check their website, look at online reviews, research them on lawyer rating sites, and make sure you’re choosing an attorney who’s experienced and can handle the job.

 

Were you recently hurt on the job? Then contact a San Antonio workers compensation attorney at the Law Offices of Pat Maloney. Our team can help you get the funds you deserve for your accident.

 

What Pat Maloney’s San Antonio Law Offices Can Offer You

When you’re in need of legal representation in the San Antonio area, the best place to go is the San Antonio Law Offices of Pat Maloney. At the Law Offices of Pat Maloney, you’ll find everything you need to win your case, including vast legal experience, intimate local knowledge, dedicated customer service, and a results-driven attitude that will lead you to success. Below are some of the benefits you’ll get when you call Pat Maloney’s San Antonio law offices.

 

What Pat Maloney’s San Antonio Law Offices Can Offer You:

  • Experience – The Law Offices of Pat Maloney have been helping San Antonio residents with their legal issues for more than 50 years. In that time they’ve handled thousands of cases, from car and truck accident claims to workplace and personal injury cases.
  • Expertise – Because of the immense number of cases that the Pat Maloney team has handled, as well as their esteemed legal educations and backgrounds, they have an unparalleled degree of expertise in the injury law field. They know what evidence to gather, what arguments to make, and how to win a case.
  • Local knowledge – After half a century in San Antonio, Pat Maloney and his team are well versed in the local legal scene. They know about all the applicable city laws and regulations, they are familiar with key legal individuals like judges, prosecutors and DAs, and they use that knowledge to give you an advantage in your case.
  • Results – Over the years, the Law Offices of Pat Maloney have garnered an impressive list of results for their clients, some of them in the hundred-thousand-dollar range. The Maloney team will work hard to deliver those same results to you.If you are looking for legal representation in San Antonio to help you win a case, contact the San Antonio Law Offices of Pat Maloney today to schedule a free case consultation.