August 2008

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How Much Should You Pay For Auto Insurance In Texas?

The Texas Department of Insurance has a great consumer resource — a comparison of automobile insurance rates from all the major insurance companies in Texas. Check it out.

Free Legal Advice?

Yes, at Kraft & Associates we are glad to provide our clients and friends with free information on a variety of subjects. If you want details about how to lower your automobile insurance rates, Texas Workers' Compensation law or Social Security Disability claims, please contact us and we will send you any of these brochures without charge or obligation.

 



  Suite 1300
  2777 Stemmons Freeway
  Dallas, TX 75207
  (214) 999-9999
  (817) 999-9999
  (800) 989-9999
 

 FOR THE RECORD


Texans Needs Homeowner Insurance Rate Relief

The Dallas Morning News published a good letter to the editor recently regarding the outrageous homeowner insurance premiums in Texas. For years, Texans have had to pay the highest homeowner insurance rates in the entire country. This is not because we have higher risks of property damage than other states, but because our state government has not been forceful in the oversight of insurance companies. There is far too much coziness between the regulators and the regulated in Texas. This letter is from the executive director of Texas Watch.

Re: "Let Deregulation Work – Prices for homeowners insurance have fallen," Monday Editorials.

The insurance industry continues to sell the idiotic notion that the rates they are charging are fair. That is to be expected, but it is surprising that The Dallas Morning News editorial board would ignore the facts and buy the insurance industry's line.

Lawmakers and their constituents are frustrated and angry over the way so-called insurance reform has played out. That's to be expected. Industry lobbyists promised meaningful rate relief, as well as a simpler, more efficient and fairer market. Those promises have been flatly broken.

Texans continue to pay the highest premiums in the nation. We are getting less for every premium dollar. Coverage has been slashed and the amount paid in legitimate claims has plummeted. Meanwhile, homeowners are paying overcharges while the insurance companies and state regulators spend years fighting over whether rates are fair.

Instead of squeezing homeowners in a system that forces the insurance commissioner to play a ridiculous cat-and-mouse game with insurers caught gouging policyholders, we should require insurance companies to gain approval of their rates before, not after, they are imposed on policyholders.

If insurance companies want to fight with the insurance department over a rate, they can, but homeowners shouldn't be forced to endure years of overcharges in the meantime. It is time for real insurance reform, and lawmakers who are taking the lead to find meaningful solutions should be applauded.

N. Alex Winslow, Executive Director,
Texas Watch, Austin


 

 FOR YOUR INFORMATION
Yet Another Texas Child Left Inside Hot Car Dies

Another North Texas infant has died after being left in a hot car recently. This is so terribly tragic, so utterly predictable, and so completely preventable. It's summer in Texas, people. It gets hot. We've had days above 105 degrees in the past couple of weeks. That's in the shade. The interior of a car in the sun will be much, much hotter than the official temperature. Kids (and even some adults) simply cannot survive sitting in an unventilated vehicle in that kind of heat. We've had 12 days in a row this summer that the official temperature in Dallas has been 100 degrees or higher, and we'll have plenty more to come this year.

This was the second child within a week to die this way, and there could be others before the summer ends. We see the same thing every single year. Yes, we're all busy, we all have other things on our minds, but please, use your head -- don't forget that you have a child in the back seat.

Here are some simple safety tips from KidsandCars.org:

1. Make a habit of checking the back seat when getting out of a vehicle, whether a child is there or not.

2. Put a stuffed animal in the front seat to remind you when a child is in the back seat.

3. Place items that are needed for work — such as a cell phone, purse or briefcase — in the floorboard of the back seat so that the child will be noticed when retrieving the items.

4. Ask school and child-care workers to call if the child hasn’t arrived as planned.

5. Use drive-through or pay-at-the-pump services when available to eliminate the temptation to leave a child in the car while running an errand.

 FEATURED EMPLOYEE

Mel Najera
Social Security Clerk

E-mail: mnajera@kraftlaw.com
 

Mr. Najera was raised in Dallas, Texas. In May 2008 he received his Bachelors Degree in Political Government from the University of Texas at Dallas. He was an active member of the Pre-Law Society Club at the university, and he plans to attend law school in the near future. Mr. Najera joined our law firm in 2008 as a New Case Clerk in our Social Security disability department. He is fluent in Spanish.
 

 FEATURED CASE
Please Contribute To The Muscular Dystrophy Association

Instead of a Featured Case this month, I have a request to make.

I'm proud to tell you that I'm being locked up...that's right, I'm going behind bars to help Jerry's Kids and MDA. To be released on good behavior I have to raise bail and I need your help!

All you have to do is 
click here to make a secure, online donation before 08/28/08. Your donation will help families living in our community and will help guarantee me an early release. I can't wait to add you to my list of contributors. No amount is too small to help.

If you don't want to pay by credit card online, you can mail a check for any amount, payable to the Muscular Dystrophy Association, to me at:

Kraft & Associates
2777 Stemmons Freeway, Suite 1300
Dallas, Texas 75207

Thank you so very much for your help. Don't hesitate to call or e-mail me with any questions. Together we'll make a difference.

P.S. I'm counting on you, 
click here to donate.

P.S.S. Our Office Administrator, Cheryl McLaughlin is being locked up too. If you like her better than me, you can click here to make a donation on her Web page...

If the link above does not work, please cut and paste the address below into the address bar of your Internet browser. https://www.joinmda.org/2008dallastelu/rkraft
 
 HOW CAN WE HELP YOU?
Our law firm has helped thousands of clients over the years. Sometimes clients who use our firm for one type of case may not realize that there are other legal problems we could help them solve.

We handle most types of injury claims — including automobile collisions, "slip and fall" cases, injuries suffered as a result of defective products, injuries resulting from inadequate security, medical malpractice claims, nursing home negligence claims, prescription drug injuries and many others. We invite you to call us about any serious injury to see how we can help you.

Kraft & Associates also represents people who have been denied their Social Security Disability benefits. We can help at the Initial stage, the Reconsideration stage or the Hearing stage. We can help you, your family or friends with any Immigration question.

Our law firm represents people who have immigration problems of any kind, whether family-based immigration or employment-based immigration.

We also help people who have problems regarding family issues, such as divorce, child support, adoption, modifications, enforcements, attorney general disputes, paternity and other similar matters. We also represent clients who have been arrested or charged with committing a crime.

Please feel free to call us with any legal questions you may have. If we cannot represent you, we will attempt to refer you to another attorney or to a government agency that can help you. There is never any charge or obligation for our initial consultation.

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Automobile Accident, Wrongful Death, Nursing Home Negligence, Social Security Disability.

DISCLAIMER: This newsletter is presented by Kraft & Associates for informational purposes only, and not as legal advice.