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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. |
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Suite 1300
2777 Stemmons Freeway
Dallas, TX 75207
(214) 999-9999
(817) 999-9999
(800) 989-9999
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FOR THE RECORD |
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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
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| FOR
YOUR INFORMATION |
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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.
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| FEATURED
EMPLOYEE |
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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.
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| FEATURED
CASE |
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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
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| HOW
CAN WE HELP YOU? |
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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
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Initial stage, the Reconsideration stage or
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Our law firm represents people who have immigration
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Please feel free to call us with any
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© 1997- 2008 Kraft & Associates : Injury &
Disability Lawyers, P.C. All Rights Reserved Worldwide. Personal Injury,
Automobile Accident, Wrongful Death, Nursing Home Negligence,
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DISCLAIMER:
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