Do Rideshare Drivers Need Uninsured Motorist Coverage?

The Advantages of Uninsured Motorist Coverage for Rideshare Drivers

Rideshare car accidents present a unique set of challenges, especially when it comes to determining liability and seeking compensation for injuries. When an individual is involved in a rideshare accident, either as a passenger or as the injured party hit by an Uber or Lyft vehicle, navigating the complex web of insurance coverage becomes crucial for obtaining adequate compensation, particularly when dealing with uninsured or underinsured motorists (UM coverage). This article will discuss why you need uninsured motorist coverage if you are a Lyft and Uber driver.

Rideshare Accidents are Complex

In the context of rideshare accidents, where a passenger or someone hit by a rideshare vehicle is not at fault, the liability landscape can be multifaceted. Rideshare companies like Uber and Lyft typically provide substantial insurance coverage for their drivers, both during rideshare activities and when the app is on but the driver is awaiting a passenger. However, if an accident occurs, and the at-fault party lacks sufficient insurance coverage, the injured party may turn to the rideshare car's UM (uninsured/underinsured motorist) coverage.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage is a type of insurance that comes into play when the at-fault party either doesn't have insurance or doesn't carry enough insurance to cover the damages. In the context of rideshare accidents, this can be particularly crucial, as not all drivers on the road maintain adequate insurance limits.

For instance, if a rideshare passenger is injured due to the negligence of another driver who is uninsured or underinsured, the rideshare company's UM coverage can potentially fill the gap. This coverage can help cover medical expenses, lost wages, and other damages that may arise from the accident. It's important to note that the specific details of insurance coverage can vary between Uber and Lyft, and state regulations may also play a role in determining the extent of coverage.

Lawyers Understand the Complexities

Therefore, individuals involved in rideshare accidents should promptly consult with a knowledgeable personal injury attorney who can navigate the complexities of these cases. Rideshare car accidents introduce a layer of complexity to the already intricate world of personal injury law, so it’s best to work with an expert who has experience navigating these complexities. Utilizing the UM coverage of the rideshare vehicle becomes a critical avenue for seeking compensation when the at-fault party lacks adequate insurance.

As ridesharing continues to be a prevalent mode of transportation, understanding the nuances of insurance coverage in these situations is essential for ensuring that injured parties receive the compensation they rightfully deserve. Not only does it protect you and your vehicle in the event of an accident as the driver, it also protects your passengers even if they don’t know it, adding another layer of the trust that your passengers put into you during every trip.

Need a Car Accident Lawyer to Help with a Rideshare Accident?

In summary, everyone should have uninsured motorist coverage, but especially if you are an Uber or Lyft driver. While rideshare car accidents can be complex, experienced personal injury lawyers can tackle the intricacy of the incident and help protect you in court and win your case. Personal injury attorneys bring objectivity, expertise, and a keen ability to maximize your compensation, allowing you to focus on getting back on the road and picking up your next passenger.

Contact Lloyd H. Thomas Law for an experienced car accident attorney to help with your rideshare accident. We are located in Atlanta, Georgia and are here to help you navigate the complexities in the aftermath of a car accident.

Call us today at (404) 848-8898. 

Super Bowl LVIII Driver’s Safety

Avoid Illegal Contact While Driving During Super Bowl Weekend

In the NFL, a safety results in a team getting two points, which can help them to win the game. In real life, safety means that you get home to your family without injury. As Super Bowl VIII approaches, festivities and celebrations often accompany the big game, bringing friends and families together for parties and gatherings. However, with the excitement and socializing come potential risks, particularly when it comes to driving under the influence (DUI) and road safety.

Lloyd H. Thomas Law is a law firm specializing in personal injury cases, many of which revolve around car accidents as the result of drunk driving. Let’s discuss some ways to stay safe this February and to avoid accidents on Super Bowl Sunday.

Drunk Driving on Super Bowl Sunday

The Super Bowl is known for an increase in alcohol consumption. Whether people are going out to bars to watch the big game or congregating at a friend’s Super Bowl party, beer and other alcohol is often a staple of those celebrations. Therefore, it's crucial to address the potential dangers associated with impaired driving during this time.

One of the main concerns during Super Bowl parties is the consumption of alcohol, which can impair judgment, coordination, and reaction times. Individuals attending these gatherings may be tempted to get behind the wheel after having a few drinks, putting themselves and others at risk. Law enforcement agencies often increase patrols and conduct sobriety checkpoints around major events like the Super Bowl to deter and catch impaired drivers.

How to Host a Safe Super Bowl LVIII Event

The legal consequences of a DUI conviction can be severe, including fines, license suspension, and even imprisonment, underscoring the importance of responsible decision-making. To enhance road safety during Super Bowl parties, hosts can play a crucial role by promoting responsible drinking and offering alternative transportation options. Designated drivers, rideshare services, or public transportation can be viable alternatives to driving under the influence.

Hosting parties with non-alcoholic beverage options and arranging accommodations for guests who may be unable to drive can contribute to a safer environment. Public awareness campaigns leading up to the Super Bowl can also remind individuals of the potential consequences of impaired driving and encourage them to plan ahead for a safe journey home. Emphasizing personal responsibility and community well-being can help reduce the number of DUI incidents and contribute to a safer road environment during the Super Bowl festivities.

As the excitement builds for the Super Bowl, it is essential to prioritize road safety and discourage driving under the influence. Responsible choices, non-alcoholic beverage options, designated drivers, and alternative transportation options can all contribute to a safer celebration, ensuring that the joy of the game is not overshadowed by the tragic consequences of impaired driving. 

Need a Car Crash Attorney? Call Lloyd

Be aware, be safe, and remember that your legal resource Lloyd Thomas is here for you should the situation arise on Super Bowl Sunday. If you’re not sure what to do after a car accident, hiring a car accident lawyer is a smart decision that can make a big difference in the outcome of your case.

Contact Lloyd H. Thomas Law for an experienced law firm who specializes in car accidents. We are located in Atlanta, Georgia and are here to help you navigate the aftermath of a car accident.

Give us a call at (404) 848-8898 or click here to send us a message.

Thanks for reading! Stay safe, be responsible, and enjoy watching Super Bowl LVIII!

10 Reasons Why You Should Call a Lawyer After a Car Accident

Wondering What to do after a Road Accident?

Hiring a lawyer after a car accident is a crucial decision that can significantly impact your well-being and financial stability. While it's tempting to handle the aftermath of a collision on your own, there are several compelling reasons to seek professional legal assistance.

Here are ten important points to remember!

Legal Expertise

Lawyers are well-versed in the intricacies of personal injury law and can navigate the complex legal system with ease. They can help you understand your rights and options, ensuring you don't make costly mistakes.

Objective Assessment

An attorney can provide an objective analysis of your case, helping you determine whether it's worth pursuing a claim. They can advise you on the potential outcomes and settlements, enabling you to make informed decisions.

Investigation and Evidence Gathering

Lawyers have the resources and experience to conduct thorough investigations, collecting crucial evidence like witness statements, accident reports, and medical records to support your claim.

Negotiation Skills

Insurance companies often try to minimize payouts. A skilled car accident lawyer can negotiate with insurers to ensure you receive fair compensation for medical bills, property damage, lost wages, and pain and suffering.

Legal Procedures

Attorneys are well-versed in court procedures, deadlines, and paperwork, ensuring that all legal requirements are met, thus preventing any procedural errors that might harm your case.

Understanding of Insurance Policies

Lawyers can decode complex insurance policies, ensuring you access all available benefits and coverages to maximize your compensation.

Experience with Similar Cases

Experienced personal injury lawyers have dealt with numerous cases like yours and understand the nuances and potential challenges specific to car accident claims.

Stress Reduction

It’s difficult to know what to do after a road accident. Dealing with the aftermath of a car accident can be incredibly stressful. Hiring a lawyer takes the burden of legal matters off your shoulders, allowing you to focus on your recovery.

Contingency Fees

Many personal injury lawyers work on a contingency fee basis, which means they only get paid if you win your case. This arrangement eliminates upfront costs and motivates them to secure the best possible outcome for you.

Maximum Compensation

Lawyers have the skills to assess the true value of your claim and fight for the compensation you deserve, not settling for less than your case is worth.

Need a Car Crash Attorney? Call Lloyd

Wondering what to do after a car crash? Hiring a car accident lawyer after a collision is a wise decision that can make a substantial difference in the outcome of your case. They bring legal expertise, objectivity, and the ability to maximize your compensation, allowing you to focus on healing and rebuilding your life. Remember that time is of the essence in personal injury cases, so it's crucial to consult with an attorney as soon as possible to protect your rights and secure the best possible outcome.

Contact Lloyd H. Thomas Law for an experienced and trusted attorney who specializes in car accidents. We are located in Atlanta, Georgia and are here to help you navigate the aftermath of a car accident.

Give us a call at (404) 848-8898. 

The Importance of Gathering Evidence after a Car Accident

Why Should You Gather Evidence after a Car Crash?

Car accidents are a distressing experience that can happen unexpectedly, leaving victims in a state of shock and confusion. However, in the midst of dealing with the immediate aftermath and potential injuries, it is crucial not to overlook the importance of gathering evidence. Properly collected evidence can play a pivotal role in determining liability, securing insurance claims, and ensuring a smoother recovery process. We are Lloyd H. Thomas Law, a car accident and personal injury law firm, and in this blog post we'll explore the significance of gathering evidence after a car accident.

Establishing Fault and Liability

One of the primary reasons for gathering evidence after a car accident is to establish fault and liability. This evidence can include photographs of the accident scene, vehicle damage, road conditions, and witness statements. Establishing who was at fault is vital for insurance claims and legal proceedings, as it determines who is responsible for covering damages and medical expenses.

Supporting Your Insurance Claim

When you file an insurance claim after a car accident, the insurance company will require evidence to assess the validity and extent of your claim. Without proper documentation, your claim may be challenged, delayed, or even denied. Gathering evidence such as police reports, medical records, and repair estimates can help substantiate your claim and increase the likelihood of receiving fair compensation.

Ensuring Accurate Recollection

Memory can be unreliable, especially in traumatic situations like car accidents. Witness statements and photographs provide objective, unbiased accounts of what transpired. This documentation helps ensure that the details of the accident are accurately remembered, reducing the risk of disputes or conflicting narratives later on.

Legal Protection

In more severe accidents or cases involving serious injuries, legal action may be necessary to seek compensation. Gathering evidence immediately after the accident ensures that you have a strong foundation to build your case upon. This can include preserving physical evidence, securing medical records, and collecting statements from experts who can testify on your behalf.

Prompt Resolution and Peace of Mind

Collecting evidence promptly can expedite the resolution of your claim or case. Insurance companies and legal proceedings can be time-consuming, but having all the necessary evidence ready can help facilitate a quicker process. This can lead to a faster recovery, both physically and financially, providing you with peace of mind during a challenging time.

Why Do You Need to Gather Evidence after a Car Crash?

Gathering evidence after a car accident is not just a precautionary measure; it's an essential step towards ensuring a fair and just outcome. Whether you're pursuing an insurance claim or preparing for potential legal action, the evidence you gather can significantly influence the outcome. By taking the time to document the accident scene, injuries, and other relevant details, you can protect your rights, increase your chances of receiving proper compensation, and ease the overall recovery process. Check out our article 5 Things to do after a Collision and 5 Things to Avoid for other suggestions of dos and don’ts in the aftermath of a car crash.

Gather the Evidence, then Hire an Attorney

The aftermath of an auto accident is a stressful and chaotic time period, but it is so crucial that you do your best to compose yourself and allow yourself to gather evidence. Doing so will help you tremendously in the aftermath, and so will hiring an experienced car accident attorney. If you have suffered a personal injury in a car accident and need help using your evidence to receive a fair settlement, then call Lloyd!

Give us a call at (404) 848-889, or click here to send us a message. Lloyd H. Thomas Law are expert car and truck accident lawyers who will stand with you when you’re hit with the unexpected.

Drive safe and thanks for reading!

Why You Need Uninsured Motorist Coverage No

FEARLESS. PASSIONATE. EXPERIENCED.

Lawyers Helping Injured People

Car accidents are a harsh reality of life on the road. While most drivers carry insurance coverage to protect themselves and others in the event of a collision, there are still a significant number of motorists who drive without insurance. With this in mind, it becomes crucial to understand the importance of uninsured motorist coverage and why you need it now.

Uninsured motorist coverage is an insurance option designed to protect you when you are involved in an accident with a driver who does not have liability insurance. This coverage provides financial compensation for medical expenses, lost wages, and other damages resulting from the accident caused by the uninsured driver. It essentially acts as a safety net to ensure that you are not left to bear the burden of expenses if the at-fault driver cannot pay.

Below are some important reasons why you should consider getting uninsured motorist coverage today if you do not already have it.
 

Protection Against Uninsured Drivers

As mentioned above, the prevalence of uninsured drivers on the roads is a concerning reality. If you are involved in an accident with an uninsured driver and do not have uninsured motorist coverage, you may be forced to rely on your own resources to cover medical bills, car repairs, and other expenses resulting from the accident. Uninsured motorist coverage provides a layer of protection and peace of mind, knowing that you are financially safeguarded in such unfortunate situations.
 

Coverage in Hit-and-Run Accidents

Hit-and-run accidents, where the at-fault driver flees the scene without providing identification or insurance information, can leave you feeling helpless. Uninsured motorist coverage can step in and cover your expenses in these situations, ensuring that you are not left to bear the financial burden of someone else's negligence.
 

Supplementing Underinsured Motorist Coverage

Even if a driver carries insurance, their policy limits may not be sufficient to cover all of the damages resulting from an accident. In such cases, underinsured motorist coverage comes into play. It fills the gap between the at-fault driver's insurance coverage and the total cost of your damages. By combining uninsured and underinsured motorist coverage, you can protect yourself against both uninsured and inadequately insured drivers.
 

Peace of Mind

Car accidents are stressful enough without the added worry of how you will cover the expenses. Uninsured motorist coverage provides peace of mind, knowing that you have taken proactive steps to protect yourself and your finances. It allows you to focus on your recovery and the well-being of yourself and your loved ones rather than the financial implications of an accident.
 

Navigating Uninsured Motorist Coverage

It's important to note that uninsured motorist coverage requirements and regulations vary by state. While some states mandate uninsured motorist coverage, others make it optional. Even in states where it is not required, it is strongly recommended to consider adding this coverage to your auto insurance policy. It is an additional layer of protection that can prove invaluable in times of need.

When considering uninsured motorist coverage, it's crucial to review your policy limits and understand the extent of coverage provided. Evaluate your personal circumstances, such as your budget, driving habits, and the prevalence of uninsured drivers in your area, to determine the appropriate coverage level for your needs. Discuss your options with an insurance agent who can guide you through the process.

CALL LLOYD IF YOU NEED A CAR Accident ATTORNEY

Whether or not you have uninsured motorist coverage, the aftermath of a car accident is not always easy. If you need help with a settlement after getting into an auto accident, Call Lloyd!

Call (404) 848-8898 or click here to send him a message.

Lloyd H. Thomas Law are expert car accident attorneys in Atlanta, GA who are here to help you get fairly compensated for an accident that you didn’t cause.

Thanks for reading!

10 Statistics that Drivers Shouldn’t Ignore

Driving and Car Crash Statistics that Every Driver Should Know

The United States is a large country with an ever-growing population. With a population well over 300 million people, you can imagine that there are a lot of registered drivers. According to Statista, there were about 232.8 million licensed drivers in the United States in 2021 – not to mention all of the unlicensed people who are driving illegally. Considering just how many people that really is, there is no surprise that auto accidents occur and personal injuries are sustained thousands of times every year. We are Lloyd H. Thomas Law, a car accident and personal injury law firm, and we want to share with you some important driving statistics that every licensed driver shouldn’t ignore.

Motor Vehicle Traffic Crash Statistics

Each year, the National Highway Traffic Safety Administration, who are part of the U.S. Department of Transportation, break down all reported traffic crashes. Here are 10 of the most jarring and important statistics that we found in their report.

1. Fatalities – There were 42,939 people killed in car crashes in 2021

2. Injuries – There were 2,497,657 people injured on U.S. roads in 2021

3. Police Reports – There were 6,063,428 police-reported non-fatal traffic crashes in 2021

4. On the Rise – All categories of fatalities increased, 10% overall increase from 2020 to 2021

5. Cars – 32% of fatalities were passenger car occupants, 30% light-truck, 20% pedestrian

6. No Seat Belt – 11,821 fatalities in 2021 by unrestrained drivers

7. Alcohol – 10,049 fatalities in 2021 by alcohol-impaired drivers

8. Speeding – 8,464 fatalities in 2021 by speeding drivers

9. Time of Day – 13,194 daytime and 12,931 nighttime fatalities – almost equal

10. Urban vs. Rural – 25,698 fatalities in urban areas, and 17,103 in rural areas

Check out the NHTSA’s full report: Overview of Motor Vehicle Traffic Crashes in 2021.

Car Crash Statistics Takeaways

These numbers will scare many of you – and they should! Driving started as a luxury and a convenience, but overtime has become a safety hazard and a problem. It is important that every time you drive you are sober, alert, and cautious. It is better to assume that others will drive unsafely and be prepared for it, than assume that they will drive properly and end up sustaining a personal injury, or worse, becoming a fatality. Here are a few key takeaways: 

• Wear your seatbelt at all times

• Do not drink and drive or be in the car with a drunk driver

• Do not speed, especially when combined with either of the above

• Fatal crashes occur at all times of the day

• Fatal crashes occur in all types of areas

We are both car and truck accident lawyers for a reason – 62% of all fatalities in 2021 were either passenger car or light-truck occupants. No matter who you are, what you drive, whether you are a passenger or pedestrian, whether it is night or day, whether in the city or the country, there is always a chance that an accident occurs or a personal injury is sustained.

Bottom line: be careful and cautious on the road.

Looking for a Car or Truck Lawyer? Call Lloyd

If you have suffered a personal injury in an auto accident and need help with a fair settlement, then call Lloyd at (404) 848-8898. You can also click here to send him a message. Lloyd H. Thomas Law are expert car and truck accident lawyers who have your back when you’re hit with the unexpected.

Take care and drive safely!

Warm Weather Brings Higher Traffic Volume

There are More Cars on the Road when it is Warm Outside

After the long, cold winter months it is always refreshing when the summer sun starts shining through the springtime rain clouds. However, when the weather is nice and warm people tend to get outside more often. Whether they want to flood the beaches, amusement parks, have picnics in the park, or just go for a long drive with the windows down, warm weather brings about higher volumes of traffic on the road. It is no secret that when there are more cars on the road, there are more auto accidents that occur. Lloyd H. Thomas Law is an auto collision personal injury attorney and today we are discussing how to stay safe when there are a lot of cars on the road.

Why Does More Traffic Result in More Accidents?

When there are more cars on the road, it only makes sense that there will subsequently be more accidents. However, there are a few contributing factors to why this is. Here are a few examples:

First off, more traffic means higher chances of traffic jams. Stop and go traffic jams can be a test for impatient drivers, who may make foolish, impulsive decisions, and with very little room for error, this can easily result in a collision.

Next, there are a lot more people traveling. Warm weather often makes people want to travel, which means they might be on roads that they are not familiar with. Additionally, when people are traveling they might be stressed out or take a wrong turn or miss an exit, which can result in poor decisions such as last minute turns or over-braking.

Lastly, warm weather brings about seasonal vehicles. Large RVs that folks don’t drive on a regular basis are being taken cross-country, boats trailers are being towed by cars, and sports cars that stay garaged when it’s raining and cold are reaching high spends with the top down. All of these additional vehicles that are less-frequently driven can result in auto collisions.

How to Drive Safely in Warm Weather

Here is a checklist of steps to take to ensure that you are safe while driving in the warm weather.

• Use time management to plan for traffic delays so you aren’t impatient 

• Be mindful of other drivers you and watch out for people acting reckless

• Allow extra space between you and the car in front of you in case of sudden braking

• Keep sunglasses in the car and use your visors when the sun is blinding

• If you miss a turn just keep driving and take the next exit safely, then turn around

• Only use the left lane when passing to avoid angering other drivers or disrupting traffic

• Wear your seatbelt, don’t use your phone, and keep the music at a low volume

Some drivers can be unpredictable. Make sure that you are always focused on the road to keep yourself and your passengers safe and to help you to avoid getting into a traffic accident.

Need an Auto Collision Personal Injury Attorney?

Getting into a car accident can be a headache, and it’s not always easy to be fairly compensated for collisions that you are the victim of. Contact Lloyd H. Thomas Law for an experienced and trusted attorney who specializes in car accidents. We are located in Atlanta, Georgia and are here to help you to get fair compensation for auto accidents that are not your fault.

Give us a call at (404) 848-8898.

Things to Consider When Hiring An Injury Attorney

What Should You Consider when Hiring a Personal Injury Attorney?

If you have been injured in an accident that was not your fault, you may be entitled to compensation for your damages. Whether you've been injured in a car accident, slip and fall incident, or medical malpractice case, you'll likely need the assistance of a skilled personal injury lawyer to help you navigate the legal process and recover the compensation you deserve.

However, knowing where to start when looking for legal representation can be overwhelming with so many personal injury lawyers.  Below are some things to consider before hiring a personal injury lawyer. 

Experience and Specialization

The first thing to consider when hiring a personal injury lawyer is their experience and specialization. You want to find a lawyer who has experience in handling cases similar to yours. Ask about their track record of successful cases and if they specialize in a particular personal injury case. It's also essential to choose an attorney you feel comfortable working with and with good communication skills.

Reputation and Referrals

Another critical factor to consider is the lawyer's reputation. Do some research and check online reviews, ratings, and testimonials. You can also ask friends and family members for referrals. A lawyer with a good reputation will likely have the necessary expertise, knowledge, and resources to handle your case.

Communication and Accessibility

Communication is vital when it comes to working with a personal injury lawyer. You want to find a lawyer who is responsive and accessible and who keeps you informed throughout the legal process. Although both big and small firms can provide quality care and representation, numerous potential clients may find it more convenient to communicate with smaller firms and establish a more fulfilling attorney-client relationship.

Fees and Costs

Before hiring a personal injury lawyer, understand their fee structure and costs. Most personal injury lawyers work on a contingency fee basis, meaning they only get paid if they win your case.

It's crucial to remember that no one should persuade you that your personal injury case lacks importance or won't be treated with seriousness. Only a seasoned personal injury attorney can accurately assess the strengths and weaknesses of your claim. Thankfully, most attorneys offer a free initial consultation, so don't hesitate to seek one out. This way, you'll have someone on your side, fighting against the insurance company for you.

A small personal injury law firm may be the right choice if you're looking for a more personalized approach to your personal injury case. Unlike larger firms that may assign your case to a paralegal or junior attorney, at a small firm, you're more likely to work directly with the lead attorney handling your case. This can lead to more attentive and tailored representation as the attorney gets to know you and your case more intimately. Additionally, small firms may be more willing to take on cases that larger firms may consider too small or complex and may have more flexibility in their fee structures. Ultimately, choosing a small personal injury law firm can offer you more individualized attention and a greater likelihood of a positive outcome for your case.  

Why Choose Lloyd H. Thomas

At Lloyd H. Thomas, we are experienced and committed to our clients. With a proven track record of success, you can be assured that we are working diligently towards a favorable resolution for your case, providing you with comfort and peace of mind. We’re here to help you get the maximum value for your injuries, lost wages, and pain and suffering.

Don’t hesitate to give us a call. We’re here to help you get what you’re owed for your pain and suffering. 

Click here or call today!

Why You Need to Make Sure that You Have Uninsured Motorist Coverage in Georgia

The Importance of Having Uninsured Motorist Coverage on Your Insurance Policy

If you own and operate a vehicle, you are required to have car insurance. While this adds a monthly expense to your budget, it is well worth the freedoms that owning a vehicle can give to a driver. Not only does a registered and insured vehicle give the driver the freedom to drive, it also allows them to do so with peace of mind in the event of an accident. Unfortunately, we live in a very unpredictable world where anything can happen. An automobile accident could be caused by your own actions, the actions of another driver, either of your vehicles failing to operate properly, or even the weather conditions or conditions of the road itself. In fact, roughly 1.5 million car crashes involving a deer occur every year. Even something as simple as an animal walking across the road could cause a crash and make you thankful that you are insured.

But what if you get into an accident with an uninsured motorist? Some drivers are irresponsible, and choose to drive without having the necessary insurance coverage. Lloyd H. Thomas Law is a personal injury law firm that works with clients every day who have been the victims of car accidents. Today, we would like to discuss the importance of car insurance and particularly the importance of having uninsured motorist coverage in the state of Georgia.

What is Uninsured Motorist Insurance Coverage?

Uninsured motorist coverage is part of your auto insurance that covers you if you are hit by a motorist who does not have insurance. You are not required by law to have uninsured motorist coverage in Georgia, however driving without it poses great risk to you. In the event that you were hit by an uninsured driver, you would have to pay for your vehicle damages and medical bills on your own and then take the other driver to court. Having this coverage will save you the time, money, and stress of having to pay for your damages on your own.

The Difference between Add-On and Reduced-By Coverage

When adding uninsured motorist coverage to your insurance policy, it is important to make this clear distinction. We strongly recommend that you choose “add-on” coverage instead of “reduced-by” coverage. What does this mean?

Add-on coverage allows you to add the amount of uninsured motorist insurance that you have to the other driver’s insurance.

Reduced-by coverage only pays for the difference between the amount that the other driver’s insurance policy pays and your uninsured motorist coverage.

Essentially, add-on coverage will allow you to have a much larger sum of money to compensate you for your damages and medical bills than reduced-by coverage. It is important to note, however, that insurance companies don’t often make it easy to make a claim and receive these funds. If you find yourself in a situation where you may need to make an uninsured motorist claim it is essential to find an experienced personal injury attorney to assist you.

Have You Been in a Car Accident? Contact a Personal Injury Lawyer

Accidents happen, and if you are not the one at fault then you deserve to be compensated fairly for your damages and injuries. Hire a personal injury lawyer to help you through the process and to help you get compensated. Call Lloyd H. Thomas Law at (404) 848-8898 or send him a message today. Lloyd H. Thomas is a personal injury attorney who will help you properly write your claim and settle your case. If you were the victim of a car accident, Lloyd has your back!

Stay Safe During the Holiday Season

How to Avoid Accidents and Injury This Time of Year

The holidays tend to come with the hustle and bustle. With everyone out and about shopping and gathering, the roads tend to get busier and with increased traffic, comes an increased risk of accidents. It’s important to ensure that you’re prepared for this and take the correct steps to be as safe as possible. Read below about the tips from our personal injury attorneys on how you can ensure your safety on the roads this holiday season.

Safety Tips for the Holiday Season

As injury attorneys, we’ve seen it all, and more often than not, these accidents are completely preventable but end up occurring due to complete negligence. It’s easy to fall victim to these circumstances, as mistakes and accidents happen all the time. However, you can decrease your risk of being injured in an accident with these tips; 

1.  Leave Earlier - Many auto accidents occur due to reckless driving and speeding and more often than not, people will drive erratically when they are running late. Make sure that you’ve left your home with plenty of time to ensure that you’ll arrive safely. Remember, it’s better to arrive late than not at all. 

2. Check Your Tires - Another issue that causes accidents are worn down or bald tires. If you’re planning to take a long road trip you need to consider getting a new set of tires.

3. Eliminate Distractions - Driving with a full car of people can become quite the distraction, taking your attention away from the road.

4. Check the Weather - If you know that the roads may not be safe for driving, consider leaving ahead of the storm. If you can’t leave early or wait for it to pass, remember to take it slow and have an emergency kit stored in the back of your car. 

5. Check Traffic Ahead of Time - Take a look at traffic reports and find a route that may be less traveled. Oftentimes, accidents cause traffic jams that can lead to even more accidents. If possible, wait to drive anywhere until the busier travel times have passed. 

What to Do if You’re Injured in an Auto Accident

If you’re caught in a car accident always make sure you call the police and get photos of the incident. However, if you’ve been seriously injured in a car accident, it’s extremely important that you get in touch with a personal injury attorney.

When choosing an injury lawyer, you want experience and a track record of winning. With Lloyd H. Thomas, you get just that. 

Why Choose Lloyd H. Thomas Injury Attorney

The best way to get the money you need for your damages and injuries is by working with the best personal injury attorney in Georgia.

If you’ve been injured in an accident and you need to get paid for your injuries and damage, don’t hesitate to contact us at (404)848-8898 or click here to fill out our form.

Get started on the track to get the money you’re owed right now!

What if You Slip and Fall this Fall? Personal Injuries can happen Year-Round

What to do if You are the Victim of a Slipping and Falling Accident

Now that daylight savings time has ended and we turned our clocks back an hour, the days are shorter and darker. And naturally, as fall rolls along into winter, the weather is also getting colder and before long many places will be seeing the first snowfall of the year. Colder weather often brings wet, slippery conditions on roads and sidewalks that can make basic things like driving to work or walking down the street dangerous. This time of year is also the holiday season, with people shopping and out in public buying gifts in a hurry. As fun as this time of year can be, it can also be hazardous and result in a lot of slipping and falling accidents. Lloyd H. Thomas Law is an accident attorney who has experience working with clients who suffer injuries related to slipping and falling.

Stay on Your Feet this Fall

With shorter days for the next few months, it is important to be mindful of your surroundings. The sun goes down early and darkness and precipitation can mask outdoor hazards. For instance, many slip and fall injuries are the result of damaged or uneven curbs, sidewalks, and parkng lots. If it is dark out and a particular area is not well-lit, you might not see a hazard. Also, if you are in an area where it snows a hazard on the ground could be hidden by layers of ice and snow. Slippery weather conditions are another common outdoor slip and fall accident. Watch out for patches of snow, thin layers of black ice on sidewalks or pavement, and surfaces that become slippery when it is raining. Also, construction areas tend to be hazardous so it is best to try to avoid these areas, or to proceed with caution if you walk through one.

Slipping and Falling Injuries are Common Indoors

While insufficient lighting, damaged walkways, and poor weather conditions can make outdoor environments unsafe, there are a number of ways that slipping and falling injuries are sustained indoors as well. Especially if you are shopping on Black Friday when it’s chaotic, or during the busy holiday season in crowded places like malls and shopping centers, you need to try to be aware of your surroundings. Escalators and moving walkways can cause harm to people if they are not paying attention. Also, if the weather is slippery outside, chances are that some of it will be brought indoors on people’s shoes as well. Public restrooms, gyms, and swimming pools are places that tend to have especially wet floors, so look out for water on the floor or wet floor signs. 

Steps to Take if You Slip and Fall

Slipping and falling can oftentimes be embarrassing, especially if you are out in public. A lot of people’s first reaction is to get up as quickly as possible and carry on, as if nothing had happened. While that might ease your embarrassment, it will do you no favors in the long run. It is best to document what happened. Some important things to do are:

• Take photos of the scene right after it happened

• Inform an employee if you are in a store so it gets documented

• Seek medical attention immediately to help prove that you injuries are related to your fall

• Write down what property you are on or building you are in

• Write down the exact time and date of the incident

• Take photos of your injury since most photos nowadays are time stamped

• Hire a personal injury attorney

Contact a Personal Injury Lawyer

If you suffered a personal injury as the result of slipping and falling, then you will need a personal injury lawyer. Give Lloyd a call at (404) 848-8898 or send him a message today. Lloyd H. Thomas is a personal injury attorney who will help you properly write your claim and settle your case. If you suffer from the carelessness of a business or property owner and slip and fall, Lloyd H. Thomas will catch you and help you get fairly compensated.

Beware of the Dangers of Blind Spots

For all drivers, blind spots are a huge hazard and are often the cause of many auto collisions and this is especially true for collisions that occur with commercial truck drivers. These drivers have a problem with blind spots because of the sheer size of their vehicles, eliminating a rear view and making side views nearly impossible. Combining the restricted vision with aggressive or careless drivers, we see many collisions, oftentimes, life-threatening. Knowing that these truck drivers have these problems is important, but it’s also important to know what to do if you’re ever in a collision with a truck driver. Ensure that you’re reaching out to a local auto accident attorney to learn how to navigate this collision. Learn more below about how to avoid these collisions. 

 What are Blind Spots on Commercial Trucks?

In general, a blind spot is an area that is not visible to the driver, particularly by using mirrors. This is extremely dangerous, as it can cause collisions when changing lanes or turning.

While semi-truck drivers have a better view of what’s in front of them, it is significantly more difficult for them to see what is behind or on the side of them and while they have much larger mirrors on their vehicles, this does not guarantee that they’ll see everything. Here are where their more dangerous blind spots occur

1. Directly in front of them for about 20 feet.

2. Directly behind them for about 30 feet

3. On both sides of the truck and extending diagonally backward

4. Immediately below and behind the truck driver's passenger side window

Why Do Truck Drivers Have Bigger Blind Spots?

There are a few reasons for this. First is because they lack rear-view mirrors but when you consider the sheer size of a semi-truck, their height is much taller than normal cars, making it much harder for them to see what is around them. Another reason trucks have bigger blind spots is the length of their vehicles. A semi-truck is 70 to 80 feet long, creating an entire area where the driver has limited to no visibility. Additionally, trucks can reach up to 100 feet long when towing multiple trailers, creating the largest blind spot on the road. 

Truck drivers should be professionally trained to know how to handle the size of their vehicle and are hyper-aware of their blind spots, however, if a truck driver does not proceed with caution, this can cause serious injury to other drivers and sometimes even death. If you’re ever a victim of an auto collision with a truck driver, it’s important to first contact an injury attorney to make sure you get the care and compensation you deserve. 

Have You Ever Heard of “No Zones?”

Oftentimes, the blind spots of semi-trucks are referred to as no-zones. These are areas in which the industry has informed other drivers not to drive near when they are driving around a semi-truck. 

Why Choose Our Auto-Accident Attorney?

Working with an experienced attorney is of the utmost importance and here at Lloyd Thomas Law, you can rest assured that you’ll be working with an injury attorney who has plenty of experience with semi-truck accidents. Give us a call at (404)848-8898 or click here to get started.

How Back-to-School Can Lead to More Auto Accidents

Once again, it’s the time of year when we return to classes and structured schedules for everyone from kindergarten to graduate students. Oftentimes, this can lead to an increase of automobiles on the road and this is especially true for college towns. As is always the case, it’s important to remain focused and diligent on the road but it’s especially important for the back-to-school season.

Something that typically occurs amongst drivers when the roads are blocked up with increased traffic is road rage and violent situations can ensue, causing damage and injury to everyone involved. Ensuring that you can keep yourself and others safe is of the utmost importance and knowing how the back-to-school season can lead to increased car accidents and road rage incidents is the first step to being safe on the road. Read more below about some of the statistics that come along with this time of year.

Facts About Increased Accidents and Road Rage During Back-to-School

• According to the National Safety Council, most children who lose their life in bus-related incidents are four to seven years old. This is due to drivers illegally passing a stopped bus. 

• There is a difference between aggressive driving and road rage. Aggressive driving is defined as when an individual driver commits a combination of moving traffic offenses so as to endanger other persons or property. Road rage takes it one step further with violence and extremely deliberate and unsafe driving that poses an immediate and significant risk to property and others. 

• The most common types of road rage include yelling, tailgating, or honking at other vehicles. 

• Road rage is a factor in more than half of all fatal car crashes. 

• Over a seven-year period, road rage caused 218 murders and 12,610 injuries. 

• 2021 was the deadliest year for road rage resulting in an average of 44 people shot and killed or injured per month. 

• According to AAA, drivers between the ages of 25 and 39 are the most likely to exhibit road rage behaviors. 

What Triggers Road Rage?

There are three main trigger factors when it comes to road rage and they are:

1. Impatience while waiting at traffic lights or for parking

2. Impatience waiting for passengers to enter their vehicle

3. Anger when a multi-lane highway narrows.

The common theme here is that road rage occurs when increased traffic causes delays.

Being aware of the statistics is a good way to protect yourself and slow down. Pay attention to the reasons traffic has increased and plan to leave early for school so as to prepare for delays and still arrive on time.

What to Do if You’re A Victim of Road Rage

If you or any passengers within your vehicle are injured due to an accident caused by road rage or aggressive driving, it’s important to make sure that you contact a personal injury attorney immediately. Injuries can last a lifetime and it’s important that you're compensated for your pain and suffering.

If you’re looking for an auto accident lawyer in Atlanta, don’t hesitate to reach out to the professionals at Lloyd H. Thomas Law.

5 Things to do after a Collision and 5 Things to Avoid

5 Dos and Don’ts in the Aftermath of a Car Accident

Owning a personal automobile is a modern luxury that millions of people get to do each year in the United States. Being a car owner gives you the freedom to drive whenever you want and wherever you want. Best of all, you can get around without needing to rely on lifts from other people, public transportation, or rideshare services. However, year after year the most commonly filed type of personal injury claim is a car accident because of the amount of cars on the road. Lloyd H. Thomas Law is a truck accident and car accident attorney helping clients to get fair compensation after suffering a personal injury during a collision. There are some things that you should do after a collision and some things that you should avoid doing. Today, we are taking a look at both. 

What to Do Right after a Collision

In the immediate aftermath of a car accident, there are some things that are important for you to do in order to properly document the incident and protect yourself to make it easier to get a settlement.

1. Get a Police Report. First off, call the police, or 911 if there is an emergency or serious injury, because you'll need a police report. Even if your injuries are not very serious, let the police officer know if you are hurt by saying something like, "I am injured, but I don't want an ambulance."

2. Document the Incident. Be sure to take photos of all vehicles and of the scene. Additionally, you should write down what happened as soon as you can so that your memory is fresh and you don’t forget about important details.

3. Make an Insurance Claim. Call your insurance company as soon as possible to report the collision and any injuries. It's likely that your insurance obligates you to do this.

4. Exchange Information. Make sure that you get all insurance information that you can from the other drivers. Also, if there are any witnesses be sure to ask them for their contact information in case it is not available in the police report.

5. Get Medical Treatment. Go for medical treatment as soon as possible to help prove to your insurance company that your injuries are a direct result of the Collison. Report all injuries from the top of your head to the bottom of your feet and if you have health insurance, please make sure to give that info to your medical provider.

What to Avoid Right after a Collision

Similarly, there are some things that you should avoid doing in the aftermath of an accident so that you don’t make the situation worse for yourself or harder to win in court.

1. Do not assume that the other driver will be honest about causing the collision.

2. Do not ever give a recorded statement to another driver's insurance company. Even your own insurance company wants to spend as little money as possible, so the less you say to all insurance companies the better.

3. Do not leave the scene or move your vehicle until the police arrive and ask you to do so unless you have taken multiple photographs with the vehicles in their original position. 

4. Do not fail to get any witness information (name, phone, address) that you can at the scene.

5. Do not delay going for medical treatment.

Of course, many of the dos go hand-in-hand with the don’ts, but it must be reiterated how important these things are. The more well-documented the incident is and the more well-prepared you are for your case, the more likely you are to win your settlement. Also, it is important to hire an attorney to help you with your personal injury claim.

If You Need a Car Accident Attorney, Call Lloyd

We hope that you stay out there on the road! If you happen to find yourself in the aftermath of a collision in the future, be sure to follow these dos and don’ts to help you with your settlement, and then give Lloyd a call at (404) 848-8898 or send him a message. Lloyd H. Thomas is a car accident and personal injury attorney with the industry experience and knowhow needed to help you properly settle your case in court. You can expect us to have your back when life hits you with the unexpected!