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 August
2004
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Why Are You Getting This Newsletter?
This free e-mail newsletter is sent to current and
former clients of our law firm, to those who
have specifically asked to receive it, and to
those who have contacted our firm for legal
advice in the past.
If the newsletter is being sent to you
in error, please follow the instructions at
the bottom of this page and you will
immediately be removed from our list of
subscribers.
If you know someone who might enjoy receiving
this free e-mail newsletter, please send us that
person's e-mail address.
Kraft & Associates will never sell or give
your e-mail information to anyone outside our
law firm.
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Insurance Credit Scoring
Do you think your credit score only determines
whether you can qualify to get a loan or a
mortgage? Think again.
Insurance companies across Texas are plugging
credit histories into their computers to
determine how much consumers will have to pay
for home and auto insurance. For the past
several years, some insurance companies have
used secret formulas they claim can somehow
connect your credit history to your automobile
driving skills or the likelihood that you will
file a claim if hail damages the roof of your
home. For more information on this subject,
click to read this
article.
Don't Overpay for Auto Insurance
Some consumers don't realize there is a broad
range in the cost of automobile insurance. Be
sure to shop around before committing yourself
to a long-term policy.
You can find ways to lower the cost of your
auto policy by reading this
article from our Web site. Also, visit
sites such as
insure.com and
insweb.com to check policy rates from
various insurance companies.
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 call
or write 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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Texas Boating
Safety Tips
Quick
Tips
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Always wear a life jacket.
- Avoid
alcohol.
- Be
especially careful on personal
watercrafts.
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Children younger than age 13
must wear a Coast Guard
approved life jacket while underway.
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Enroll in a boater education class.
- Don't
overload your boat.
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Operate at a safe speed.
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Always have a passenger serve as a
lookout in addition to the operator.
- Watch
out for low water areas or submerged
objects.
Wear A Personal Flotation Device (PFD) or
Life Jacket
- Only
9 percent of boating fatality victims
were found wearing a personal flotation
device.
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Always carry extra life jackets in both adult
and child sizes.
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Children younger than 13 years old must
wear a PFD while underway.
Avoid
Alcohol
- The
probability of being killed in a
boating accident doubles when alcohol
is involved.
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Operating a boat under the influence is
just as dangerous as driving a car
after you've been drinking.
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Boating while intoxicated (BWI) is
strictly enforced and carries penalties
similar to driving while intoxicated
penalties, including possible Driver's
License suspension.
Enroll
in a Boater Education Course
- It's
a good idea for the whole family to
enroll in a boater education course.
- 52
percent of vessels involved in boating
accidents are operated by persons 26-50
years of age.
- For
information on classroom, home video
and on-line course options, visit the
Texas Parks and Wildlife Web site at
www.tpwd.state.tx.us
or call (800) 792-1112.
Be
Especially Careful on Personal Watercraft
(PWC)
- Personal
watercraft
operators and passengers must
wear a life jacket.
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Before you borrow or rent a PWC, take
the time to learn how to operate the
vessel and the rules of the waterway.
- Obey
the 50-foot rule! Maintain a 50-foot
distance from other PWCs, vessels,
persons, shore, or stationary platform
or other object unless operating at
headway (idle) speed.
Operate
at a Safe Speed
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Although there are no numerical speed
limits on the water, citations may be
issued for excessive speed or reckless
operation. Use common sense, and
operate at a safe speed at all times
-- especially in crowded areas.
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Excessive speed is a rate of speed
greater than is reasonable or prudent
without regard for conditions and
hazards or greater than will permit a
person to bring the boat to a stop
within the assured clear distance
ahead.
This article is courtesy of Texas Parks and
Wildlife.
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| FOR
YOUR INFORMATION |
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Automobile Airbag Dangers
Airbags have been in use
in automobiles for many years, since the
early 1970's for some car manufacturers.
While they sometimes do save lives, airbags can also
cause serious problems. Children
riding in the front passenger seat have been seriously
injured or killed when an airbag deployed in
a crash. Contrary to what you might think, an airbag is not a soft,
pillow-like device. An airbag comes out
of the steering wheel or dashboard at up to 200 miles per hour. The force
of an airbag hitting a person can seriously
injure a driver or passenger sitting too
close to it.
Also, when a manufacturer designs,
produces, or installs an airbag incorrectly,
serious injuries and deaths can result.
Defective airbags include those that deploy with too much
force, deploy in minor collisions when they
are not otherwise needed, or fail to deploy
under circumstances in which they should.
If you have been seriously injured by an airbag, it
is important to contact an attorney to
protect your legal rights. If you have
questions about this subject, please call or
write our law firm.
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| FEATURED
EMPLOYEE |
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Mary
Sandoval
New Case Clerk
E-mail:
marys@kraftlaw.com
Ms. Sandoval joined our
firm in 2002 as a New Case Clerk. She is one of the employees
responsible for new case intake and client service. Ms. Sandoval
graduated from Adamson High School in Dallas and attended Mountain View
College. She has previous experience with another local personal injury
law firm. |
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| FEATURED
CASE |
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Our law firm is handling an
automobile collision case in which it was important to
be able to prove that the other driver deliberately
gave our client a false name at the time of the
collision. Fortunately, since there was no police
report made, our client had a handwritten note showing
the false name.
If you are involved in an accident of any kind, and
there is no immediate official investigation, it is
important for you to gather as much information as
possible before leaving the scene. For instance, in an
automobile collision, you will want the name and all
contact information on the other driver, driver's
license number, license plate number, insurance company name and policy
number, witness names, etc. You can find articles
explaining this in more detail on our
Web site.
Get as much information as you can. You never know
which piece of information may turn out to be vital in
your case. |
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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
Disability benefits. We can help at the
Initial stage, the Reconsideration stage or
the Hearing stage.
Our firm represents people who have been injured on
the job and are making a claim for workers'
compensation. We 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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Copyright
© 1997- 2003 Kraft & Associates : Attorneys at
Law, P.C. All Rights Reserved Worldwide. Personal Injury,
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.
Not Certified by the Texas Board of Legal
Specialization.
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