The most recent Insurance Institute for Highway Safety (IIHS) crash test results for midsize SUVs are available, and both the 2018 Jeep Grand Cherokee and the 2018 Ford Explorer received a “Poor” rating, the lowest possible, in front-end collisions involving the right side of the vehicle. Officially called an “overlap crash,” the front-end crash tests found that injuries were more likely from collisions occurring at speeds of 40 mph or higher with both cars, specifically to the lower leg and foot for Jeep Grand Cherokee front passengers, and to the high and thigh area for Ford Explorer front seat passengers.
The information is significant, given that 4,000 front seat passengers died in a car accident in 2016. That accounts for 16% of all car accident victims that year.
The Ford Explorer had serious issues in front right end collisions, most notably the likelihood of the car to collapse inward onto the font passenger as the result of a front-end accident.
The Jeep Grand Cherokee’s passenger side air bag didn’t deploy during the crash test, and the passenger door popped open, leaving the passenger susceptible to serious head injuries.
Ford defended itself saying that they have redesigned their 2020 Explorer, which is expected to be commercially available in 2019. Jeep has also said they have recently redesigned the Grand Cherokee, but the release date is not yet available.
The Insurance Institute of Highway Safety’s scale ranks cars as either Good, Acceptable, Marginal, or Poor. This year, 3 midsize SUVs received a “good” rating, while 3 others received an “acceptable” rating. Out of 2018 midsize SUVs, none were found to be “marginal” in terms of crash test safety.
- GMC Acadia
- Kia Sorento
- Volkswagen Atlas
- Honda Pilot
- Nissan Pathfinder
- Toyota Highlander
- Ford Explorer
- Jeep Grand Cherokee
If you or someone you love was a front seat passenger in a 2018 Jeep Grand Cherokee or 2018 Ford Explorer and have injuries resulting from a collision, please contact the car accident and injury attorneys of Frederick and Hagle. For nearly 30 years, our firm has successfully represented those who have been harmed as the result of car accidents stemming from reckless driving and faulty vehicles. Contact us now for a free consultation with one of our attorneys at 217-367-6092 or by completing our online case evaluation form.
Have you been the victim in a personal injury accident and are now looking at negotiating with the insurance company involved to attempt to secure compensation? If so, you should take a moment and seriously consider hiring professional help. The fact of the matter is that insurance companies will exhaust any and all possible angles to reduce the amount of money they have to pay you. In order to understand exactly why this is the case, and why legal counsel is your best option, let’s take a look at a few of the more pertinent and less obvious reasons that insurance companies have for avoiding settling with victims.
First of all, don’t make the mistake of believing that your premium is the main way that insurance companies make their income. In reality, they earn the vast majority of their money through investment. That means that they have large sums of money held up in different investment options and earn more the longer they have it in place. Additionally, interest payments can different greatly depending upon the amount of money in question – in general, you earn more money in interest the more money you have invested.
This is one of the main reasons that insurance companies fight notoriously hard to avoid paying victims compensation. When they part with large sums of money, they lose their main income source. In fact, they stand to lose far more than they pay out. If they lose a particularly large sum of money, for example, market prices could be negatively affected. This could impact their investments, not to mention the fact that they suddenly have a much smaller amount of money upon which to earn interest.
Attorneys Can Help
Most insurance companies are far more likely to settle with victims who have hired legal aid. Note that for this reason, they will go to great lengths to discourage you from hiring an attorney. The reason for this is simple: as explored above, insurance companies stand to lose big time if they pay out large settlements. Attorneys are better able to secure those large settlements because they understand exactly how the insurance company works and can better anticipate their manipulative tactics than other individuals can.
Delay and Deny
Remember the section above where we learned that insurance companies make most of their money from investments and the interest they earn from them? Well, welcome to yet another reason to hire an attorney. Insurance companies will go out of their way to delay paying a settlement, and that’s especially true if the case in question is likely to win. They have more to lose than you do and will therefore expend a lot of effort to delay the payment as long as possible in order to continue to earn interest on the money in question for as long as they can. Additionally, they often flatly deny claims that have a great chance of winning in court because it forces victims to seek legal aid. This takes them more time and effort, allowing the insurance company to keep the sum in question a little bit longer.
Hiring an attorney from the get-go, of course, is a great way to avoid this game as much as possible.
You’re on Candid Camera
Maybe you’re not convinced that an attorney is necessary. The adjustor you’re speaking with seems very nice, after all, and they’re happy to take a lot of time out of their day to discuss the problems you’re experiencing in detail. That must mean that they truly understand how much you need the compensation in question in order to recover, right?
Well, no, as it turns out. In fact, adjusters are trained to record absolutely everything you say and do during negotiations so that they have more material to work with when it comes to discrediting you and lowering the amount of money they have to pay out. Do not forget that you are being recorded and that everything you say and do will be used against you. This is the main reason attorneys will instruct you not to speak with an adjuster until you’ve met with them.
Be Suspicious of Quick Claims
Everything we’ve discussed until now has talked about just how advantageous it is for insurance companies to deny your claims and drag out the process. If your insurance company is all too eager to settle, then, you should take some time and think about why. Why would they be willing to give you money right away when they could force you to go to court and make money in the meantime?
If you have a particularly great claim and they could stand to lose a lot more than they’re offering you if they go to court, you might be surprised at just how quickly they settle.
Insurance companies aren’t interested in what is best for you. They don’t care about your needs or your injuries. Their focus is on making and keeping money. For that reason, you should reach out to experienced personal injury attorneys for help immediately if you are facing a personal injury claim. The lawyers at Frederick and Hagle can help. Call 217-367-6092 today for a Free Consultation.
Along with all of the excitement that goes along with the start of a new year comes some potentially tricky developments in the legal arena. The first of the year is generally when new laws tend to go into effect. That means that lawyers and clients alike may find themselves looking at certain new laws and waiting for a few months to see how they pan out and are implemented. Now that almost a fourth of the year has passed, it’s a good time to take a look some of the (200+) laws that went into effect on January 1st and how they might impact you.
Car Dealerships and For Sale Stickers
In response to the tragic death of an individual while test driving a vehicle whose vision was obstructed by the “For Sale” sign on the windshield, lawmakers have mandated that all such signs be removed before the vehicles in question leave the car lot. This is true whether the car is being test-driven or has been sold and is on its way to a new home.
Clearly Priced List of Services
One of the more interesting laws to consider is one that requires tailors, hair salons, and dry cleaners to provide a clear list of their services and corresponding prices. This law was passed to help improve transparency in transactions and prevent consumers from paying more on the basis of gender. In the past, women have been charged more at these outlets.
Teenagers Can Become Organ Donors
In the past, you could only declare yourself to be an organ donor if you were 18 years old or older. A new law makes it possible for drivers aged 16 and up to designate themselves as organ donors when receiving their driver’s license.
Traveling Exhibits and Elephant Abuse
One law that is particularly interesting is a new law that forbids traveling exhibits and circuses from including elephants in their various displays. Elephants are, of course, still welcome in state zoos. Illinois is the first state to pass a law of this kind, however it is likely that others will follow suit in an attempt to fight elephant abuse.
Divorce, Pets, and Custody
Divorces are almost always contentious affairs, particularly when pets come into play. A new law now states that courts should include pets in custody discussions in order to provide the best option for the animal in question.
Medicaid and Abortion
Another new law in 2018 is one that makes abortions available to state employees and women on Medicaid. While this particular bill was a controversial one, it was also one that was considered rather overdue by many individuals.
Gun Violence Laws
Sentences for individuals repeatedly committing crimes involving guns will increase this year, thanks to a new law spearheaded by Eddie Johnson, Superintendent of the Chicago Police Department. This law is hoped to give individuals considering committing a crime with a gun some hesitation regarding their actions in an attempt to lower gun violence across the state.
Additional Criminal Sector Laws
There are a few additional laws that impact the criminal sector. The abolition of the use of sexual orientation as an acceptable provocation to commit second-degree homicide – the “gay panic” defense – is one such law. Religious crimes and cyberstalking crimes are also able to be considered as hate crimes according to a new law. Domestic violence victims will no longer face penalties for breaking a contract to change their phone number or to switch from a plan with their abuser to an individual plan, Barack Obama has been enacted to celebrate the former president on August 4th, and the VA is now required to provide veterans with resources regarding their mental health, including treatment for PTSD.
Do you have a question about how these laws might affect you or your case? Call Frederick & Hagle today for more information at 217.367.6092 or 800.642.1227.
Two Frederick & Hagle Attorneys Named 2018 Super Lawyers
Prestigious recognition honors Frederick & Hagle Attorneys
Urbana, IL – March 7th, 2018 – The law firm of Frederick & Hagle, Attorneys at Law, is proud to announce today that two of their attorneys have been named as 2018 Super Lawyers. The recognition, based upon independent research, peer evaluations, peer nominations and spans over 70 practice areas, is bestowed upon 5% of lawyers in any given state.
Jeffrey Frederick and James Hagle were both named Super Lawyers in the state of Illinois. Jeffrey Frederick offers clients over 35 years of experience and has received numerous awards in recognition of his dedication and skill. James Hagle is proud to offer clients 38 years of experience and has received a variety of professional honors and distinctions.
Frederick & Hagle, Attorneys at Law, was formed in 1975 and specializes in personal injury, workers’ compensation and social security disability law.
In the state of Illinois, it is illegal to text while driving. That is not to say that everyone follows the rules, of course, and that means that accidents caused by this easily avoidable issue continue to be a serious problem. Despite the rising knowledge and caution regarding just how dangerous texting and driving can be, it remains an issue that leads to thousands of injuries every year. And, unfortunately, this can be a difficult case to prove. If you have been injured in an accident with someone who was texting on their cellphone while driving, it’s time to reach out to an experienced attorney who understands how best to pursue these kinds of cases.
Find a Witness
For obvious reasons, it can be hard to definitively and convincingly claim that you saw the other driver on their cellphone right before the accident happened. Most people will assume that you were watching the road and had no idea what was happening. With that in mind, it becomes very important to find witnesses to the accident who can help corroborate your assertions. This is true even if all you can do is prove that the other driver was on their cellphone as opposed to definitely texting. This witness might be another driver, someone who was on the side of the road and saw the accident, or even a passenger in one of the vehicles involved.
Cameras and Evidence
Another potential resource at your disposal when it comes to proving that the other driver was texting and driving is via cameras. There are a few different scenarios that might yield this result. First of all, are there cameras in the area where the accident occurred? Look into the stores and businesses nearby as well as any street lights you passed. You might very well find that one or more cameras recorded the accident and show the other party texting on their phone. Additionally, don’t forget to check any potential dash cam footage that you might have. Depending upon the accident in question, it’s possible that you could have recorded the crime yourself (or, at the very least, might find potential witnesses who did).
This isn’t always a feasible option, but if possible, ask for text logs of the other driver. This can show timestamps that match your story about their texting and driving habits. Sometimes you might even receive correspondence from the person with whom the other driver was texting. Their word can do wonders for your case.
Social Media and Technology
Keep in mind that “texting” doesn’t always mean exchanging literal texts with someone. In fact, someone typing on their phone could very well be updating their social media accounts. Check profiles to see if you can find time stamps that would show the driver was online around the time of the accident.
If you have been involved in an accident, reach out to Frederick and Hagle, Attorneys at Law, for expert representation today!
Sick at work? Learn about your rights!
When you think about workers’ compensation claims, you might believe that they are only applicable in the instance of workplace injuries. This is not the case, however, and you could be missing out on benefits by laboring under this assumption. If you were made sick by your work, then you might be able to file for financial support. Occupational diseases, in other words, are oftentimes covered under workers’ compensation benefits.
Have you been made ill by your work? Have you been exposed to toxic elements while doing your job? If so, and you have experienced sickness as a result, then you might just have a lawful claim under workers’ compensation. In order to help ensure that your rights are upheld and that you receive the financial aid to which you might be entitled, you should reach out to an attorney experienced in workers’ compensation and workplace law. Taking action now to protect your interests could pay off in the long run, even if it doesn’t seem like it right now.
Let’s take a look at the various ways in which you could become sick while doing your job.
While it is true that almost anyone in the workplace could find themselves exposed to harmful things at one point or another while doing their job, it is equally true that certain fields are more dangerous than others. If you work primarily with dangerous chemicals, for example, then you might often find yourself exposed to toxic elements. The same can be said of individuals working in the medical field, or even on construction sites, although the hazards you encounter might not be the same in each career. Some occupational illnesses that can occur as a result of being exposed to toxic elements while working include:
- Hearing loss. This includes complete as well as partial loss of hearing ability.
- Respiratory illnesses. These include things like silicosis, asthma, reactive airway disease, and acute congestion.
- Skin disorders. Skin disorders include things like dermatitis, eczema, and ulcers.
- Note that this includes lead and carbon monoxide poisoning.
Keep in mind that toxic exposure can occur in a wide variety of ways. Touching something might lead to skin problems, for example, and breathing in a toxic element could lead to respiratory problems. In certain cases, these elements might even eventually cause a more serious illnesses months or years after your first exposure. Regardless of the way that you were exposed to toxic materials, you might have the right to seek benefits to help compensate you for this loss of health.
Common Forms of Compensation
You might be wondering exactly what you can expect to collect if you were to file a successful workers’ compensation claim. At the very least, you are likely concerned about mounting medical bills and loss wages. Filing a claim can help get you the care you need to regain your health and get back to the workforce.
If your claim is found to be valid, you might be able to recover compensation for your medical care, some portion of lost wages, and perhaps rehabilitation needs. Protect your ability to seek those benefits by acting quickly!
For expert help regarding workers’ compensation claims, reach out to the experienced attorneys at Frederick & Hagle, Attorneys at Law. We can help ensure that you receive the compensation you need to feel better. Contact us today for a free consultation at 800.642.1227!
Driving is a serious responsibility that should not be taken lightly – and, when that responsibility is shirked, the responses can be devastating. This is one of the reasons why distracted driving is such a serious problem. Defined by the CDC as driving while engaging in any manual, cognitive, or visual activity that proves a distraction. To put it a bit more simply, distracted driving means doing anything that takes your mind or eyes off of the road or your hands from the steering wheel. Some more concrete examples of distracted driving include:
- Talking on the Phone
- Looking for Directions on the Phone
- Applying Makeup
- Talking to a Passenger
- Looking for Something in the Glove Box
Out of the above, which is by no means an exhaustive list, perhaps the most serious issue is texting. Texting is an activity that initially seems fairly harmless. This is especially true if you are only responding to a “short” text. It is important to understand, however, that regardless of the length of time you spend texting, your eyes, hands, and mind are all removed from driving in the process.
What are the results of texting and other forms of distracted driving? Well, according to the National Highway Transportation Safety Administration (NHTSA), in 2015 alone 3,477 people driving while distracted ended up in a fatal accident or situation. Additionally, 67% of those victims were between the ages of 16 and 19.
Leading Cause of Death for Adolescents
According to numbers released by Allstate Insurance, one in two drivers said that they texted and drove. This comes from a poll conducted over three years (2013-2016) with 7,600 participants. Of those respondents, 76% also stated that they had either below average or average knowledge regarding the dangers of texting and driving. It should also be noted that as many as 66% of respondents also admitted to talking on the phone while driving. And while the majority of drivers surveyed admitted to distracted driving habits, even more actively disapprove of them, according to a poll funded by ATT: 95% of drivers surveyed disapproved of driving while distracted, but 71% of them also admitted to using smartphones while driving.
Why go into all of this? Well, distracted driving happens to be the leading cause of death for adolescents from the ages of 16 and 19. With so many people losing their lives at such a young age, it is important to really understand just how common distracted driving is, and how big the draw can be. Even amongst individuals who disapprove of it in theory, many of them are engaging in distracted driving behaviors.
In order to combat these distressing facts, let’s take a look at some risk factors that actually increase the risk of teen fatalities.
- Tailgating and Speeding
- Failing to Understand the Dangers of Driving
- Failing to Accurately Identify Dangerous Situations
- Not Wearing a Seat Belt
- Weekend Drives
- Drinking and Driving
It is important to keep the above in mind and make sure that your loved ones, of any age, understand the risk factors. This is perhaps especially true as, according to a Bloomberg study released in 2017, car accident fatalities are actually on the rise. It is suspected that the main cause of this is an increased rate of use of smartphones while driving.
Have you been injured while driving thanks to the distracted driving of another? The attorneys of Frederick & Hagle can help! Contact us today for a free consultation at 800.642.1227.
For many people, buying a car is one of the most important moments of their lives. Cars tend to equal freedom and independence, after all, not to mention a way to travel to work, school, family and friends. With that said, it should be noted that owning a vehicle is as much a responsibility as it is a boon to your lie. That means that there are things you must do in order to maintain your vehicle and protect yourself and others. One of the most important of these is ensuring that your insurance is sufficient.
What’s required in Illinois?
Every state has different rules regarding car insurance. In Illinois, there are two different kinds of insurance for motor vehicles that you are required to carry – body and liability coverage and property coverage. Body and liability cover is insurance that, as the name implies, covers deaths or injuries stemming from a car accident that you caused. Property insurance, on the other hand, covers things like damage to the property of another person involved in the accident, including things like the vehicle, yards, fences, personal items, and pets.
The state of Illinois only requires that you maintain the minimum of each kind of insurance coverage in order to remain in good standing with the law. That means that you must purchase the following:
- $20,000 in property insurance (for each accident that occurs)
- $25,000 in liability insurance that covers the death or injury of a single person
- $50,000 in liability coverage to cover fatalities and injuries (for each accident that occurs)
Make sure to speak with your insurance broker to ensure that you meet the minimum insurance requirements set forth by the state. Additionally, you must carry your proof of insurance on your person at all times. Without it, you are not fully complying with the law.
Optional vs. Necessary Insurance Coverage
It is important to keep in mind that simply complying with the state law means carrying the bare minimum in insurance, not actually purchasing enough to cover yourself in the event of an accident. To ensure you have adequate security against car accidents, consider investing in voluntary insurance policies like:
- Medical Payments
- Under-insured/Uninsured Motorist Coverage
Should you find yourself under-insured or uninsured, you could see your license suspended as well as be required to pay an expensive fine. You might also find yourself on the receiving end of civil penalties like a judgement finding you to be responsible for damages and injuries caused by the negligence you displayed when causing the accident in question.
How much insurance do I need?
As indicated above, the state minimums for auto insurance are $20,000 for property insurance, $25,000 for liability (injury or death), and $50,000 in liability (injury and fatalities), or 20/25/50. Most professionals will tell you that you should consider upping these amounts to 100/300/100, respectively, if you have a savings account and are in the middle class. Should you be wealthy and have more expensive assets, then consider investing in 250/500/100. What these higher coverage limits do is help protect your assets should you be found at fault for an accident.
Optional Policies and When to Consider Them
There are a number of optional policies that you can opt to add to your insurance policy. Under-insured motorist coverage, for example, is vital if you have no way to pay for medical care or damage done to your vehicle should you end up in an accident. If you have collision coverage and health insurance, this kind of policy is perhaps a bit more “optional”, but it is still an important one to consider as it helps keep your out-of-pocket expenses to a minimum.
Many people would prefer to avoid collision and comprehensive insurance policies because they are the more expensive additions. It is important to invest in them if your vehicle is ten years old or less, and especially if you have some kind of loan against the vehicle (in which case the lender in question will often dictate a minimum amount of collision/comprehensive coverage to maintain). This kind of optional policy is what helps pay for damage to your vehicle after an accident.
Finally, medical payment coverage is the policy that will help pay for your medical bills should you be injured in an accident. This is especially important if you have no health insurance or if your insurance is inadequate. While this policy addition can be pricey, that cost pales in comparison to the amount of money you could find yourself spending on medical payments should you be injured without it.
Remember that insurance only covers as much as you’re willing to pay for – and after the insurance runs out, you will end up paying for excess expenses. That money will come from your assets and finances. In order to help avoid this, make sure that you maintain adequate insurance coverage at all times.
If you or a loved one have been involved in a car accident, contact the experts at Frederick & Hagle today! We offer free consultations at 1.800.642.1227.
Commercial truck drivers often find themselves facing the possibility of serious medical issues as they age. These issues have the potential to impact more than just their health – they can negatively impact their ability to drive safely and healthily. Trucking is not an easy profession, and the physical exhaustion, paired with mental stress, that are associated with the profession can also actually increase the medical issues in question.
Safety and Medical Conditions Related to Age
Drivers in charge of large commercial trucks often find themselves on the road for many long hours as well as plenty of heavy lifting when it comes to unloading and loading cargo. This is a profession that can prove difficult for even those who are in their prime and are physically healthy. When truck drivers begin to age, their risk of ending up with medical issues that impact their ability to safely do their job increases. This can also increase their chances of being injured on the job.
Some of the medical issues to be aware of in aging commercial truck drivers include:
- Hearing and Vision Loss
- Heart Disease
- Bone Loss
- Mental Disorders
Commercial Truck Drivers and Medical Requirements
Anyone driving a commercial motor vehicle that weighs 10,000 lbs. or more must meet a set of minimum physical requirements in order to work. That means that, unless you have been exempted under state or federal law, you must pass a medical exam performed by a licensed physician in order to ensure that you are physically and mentally capable of handling the unique stressors that commercial truck driving inflicts upon its drivers. Note that drivers in charge of commercial vehicles are subject to more rigorous mental and physical examinations and standards than individuals driving non-commercial vehicles.
In order to obtain your commercial driver’s license, also known as a CDL, you must receive a FMCSA Medical Examiner’s Certificate. This must be carried with you and renewed at least once every two years. Failure to maintain this certification or presenting falsified documentation about their mental and physical health could lead to a loss of employment and/or steep fines.
If you had to pick a place to sit during a car accident, where would you choose? Many people would opt for the backseat. That could very well be a mistake, however, because recent research has found that passengers sitting in the backseat are as much as 46% more like to be fatally injured in a motor vehicle accident than individuals in the front seat.
What makes the backseat so risky?
As technology has developed over the past decade, so too has the structure and safety of the front-end of vehicles. This is largely due to changes in electronic stability controls, structural changes, and side airbags. With that said, the backseat has not adapted at the same pace. Perhaps this is why fatalities from individuals sitting in the front seat of significantly fallen, fatalities from people sitting in the back have not. Mentioned briefly above, the Insurance Institute for Highway Safety has stated that individuals in the backseat are killed in car crashes 46% more often than those in the front seat. Note that this risk increases with age. The backseat is still the safest place for young children who are 13 years old and younger – but for every year over that threshold, the risk incurred by sitting in the backseat increases.
Many people miss wearing their seatbelts when they are in the backseat. This is likely brought on by a false sense of security that the backseat is “safe” and they are less likely to experience injuries. Seatbelt laws also don’t typically pertain to backseat passengers, which means that passengers can choose whether they want to wear them or not without breaking the law. And, of course, backseat seatbelts are often less comfortable than those in the front seat, leading to many individuals who prefer to ride without them.
It is important to note that passengers can still be seriously injured in the backseat. At Frederick & Hagle, we see many backseat passengers suffering from injuries like facial lacerations, neck and head injuries, broken bones, and chest injuries.
Injuries and Accidents
Studies have shown that adults 55 years or older have an increased risk of dying from backseat injuries, and that’s even if they are wearing their seatbelt properly. When they fail to wear their seatbelt at all, the risk is even higher. In 2015, this danger was illustrated tragically well with the death of John Forbes Nash, Jr. and Bob Simon. Nash was the mathematician who inspired the movie A Beautiful Mind and Simon was a popular 60 Minutes correspondent. The public was devastated at these losses, but many people still neglect to wear their seatbelts and take precautions when riding in the backseat.
Personal Injury Claims in Illinois
In the state of Illinois, personal injury law covers auto accident injuries, although a wrongful death case might be established should it possible to prove negligence. Personal injury lawsuits are covered by civil court, and there is a two-year statute of limitations in effect (from the date of the accident) usually limits when cases can be filed. There are also several different statutes of limitations that might apply depending upon the case in question, which is why contacting an experienced attorney is such a good idea.
For more information about how Frederick & Hagle can help you understand the court process, contact us today!