Monday, August 18, 2014

Hit and Run Accidents Increasing in Albuquerque and New Mexico

Albuquerque, NM Hit and Run Accident Attorney Blog  505-883-5000

Hit and run accidents have been steadily increasing in Albuquerque and New Mexico. There are probably two causes for this increase--tougher DWI laws and failure to purchase liability insurance coverage.

Mark Caruso, Personal Injury Attorney
Tougher DWI laws have resulted severe consequences for the drunk driver with very high attorneys fees and court costs as well as the installation of expensive breathalizers. In most instances it will cost about $4,000 to $5,000 if you are charged with a DWI.

As a result, drunk drivers who cause car crashes will often leave the scene of the crash to avoid being convicted of the DWI.  The cost of a citation for a Hit and Run is so much less expensive than a charge of DWI.


Also, as the economy is affecting NM poor, one of the first expenses that have been eliminated from the budget is the automobile liability insurance.  To them  it is more important to put a home over your head and pay for groceries than it is to pay for automobile insurance.  Unfortunately they continue to operate their vehicle on NM roadways without the state's mandatory insurance coverage.

As a result, uninsured drivers who cause car crashes will often leave the scene of the crash to avoid paying for the property damage and personal injuries caused by their negligence.


Our personal injury law firm has clearly seen increased Hit and Run cases.  Our research has shown that it is an economic decision made by the person who caused the crash to avoid responsibility for their actions.  Unfortunately,  their negligence and intentional act of leaving the scene of the crash causes harm to others.

If the hit and run driver is later caught by Albuquerque's Hit and Run Division, the driver's insurance will pay the damages caused by their insured. The individual who was injured  by the hit and run driver may also be able to collect punitive damages as  additional punishment money.  However, the net cost to the hit and run driver may only be a citation and higher insurance rates.  The hit and run driver escapes the financial and criminal cost of the DWI.

This is not true for the uninsured driver who has no insurance to pay for the damages he/she caused. Instead the individual who was injured by the hit and run driver must bring a claim against his/her own uninsured motorist coverage.  The uninsured motorist coverage will pay for the property damages and personal injuries to the innocent driver.

The insurance company which pays will then seek direct compensation from the uninsured driver.  This means that the uninsured driver must not only pay the citation for the hit and run but also pay for all the damages out of his/her own pocket because they didn't have liability insurance.

Because we represent victims of hit and run accidents on a daily basis we are uniquely qualified to handle these types of cases.  Mark Caruso is a former insurance company attorney with 32 years of experience, and his staff has been specifically trained to handle all types of personal injury cases.  Our firm only handles personal injury claims.

If you would like more information please contact Mark Caruso directly at 505-883-5000 or visit our website at http://www.carusolaw.com   We will give you an in person appointment with an attorney at no obligation.

Blog by Mark Caruso,  Personal Injury and Wrongful Death Attorney (Albuquerque, NM)

Sunday, May 25, 2014

New Mexico Dust Storms Are Recipe for Disaster for New Mexico Drivers

NM Dust Storm Accident Attorney

This week several families suffered the extreme loss of the life of their loved ones in a horrific vehicle crash on Interstate 10 near Silver City. Others suffered personal injuries and were rushed to nearby emergency rooms. Our prayers are with all of these families.

Drivers were safely driving their vehicles when a sudden dust storm blinded all drivers and caused the crash of tractor trailers and personal vehicles. This area is notorious for sudden dust storms causing zero visibility. Caruso Law Offices currently represents victims of dust storms in this same area. They slowed their vehicle when the dust became too obstructive to see where they were going, and they wer slammed in the rear by a semi-truck going 55 mph. Fortunately, they survived the rear-end crash but suffered major injuries.


What can be done to stop these dust storms? Nothing can be done to stop the dust storm. They are a natural phenomena. More rain in the area would help reduce the threat.

What should you do when confronted with the sudden dust storm? Slow down! Drive defensively. Turn your bright lights on. Turn your flashers on, and slowly pull over to the shoulder making sure that you are well off the road. Don't stop your vehicle on the roadway, as this is against the law even in a dust storm. I also recommend turning on the interior lights to make you as visible as possible. Don't stop your car too close to the vehicle in front of you.

The storm will be over as quickly as it started. Don't get on the road right away. Stay on the shoulder until you can see if there are any accidents in front of you. Be extremely careful as you re-enter the roadway.


Should you be involved in an accident, stay in your vehicle until the storm is over. There is the possibility of a chain reaction with other vehicles behind you, and you are safer in your vehicle than in the road during the dust storm.

If you are involved in a collision caused by a vehicle on the side or behind you, it is important to speak with an attorney as soon as possible. We need to immediately gather facts and evidence to determine the person or persons at fault and make sure that you have no liability for the collision. We can send an investigator to the scene and discuss the collision with the investigating authorities. It is important to gather all of the facts and statements as quickly as possible.


Because we have handled so many collisions and crashes caused by dust storms in New Mexico we have a unique way of handling these types of cases. And that is why we have been so successful for our clients, getting the full value for the repair or totaling of their damaged vehicle, a rental vehicle and full compensation for their injuries--medical bills, pain and suffering, lost earnings and permanent injury.

I used to be a former insurance company attorney, so I know the ins-and-outs of the insurance claims business. I used to represent the insurance companies, but now I exclusively represent the victims of the negligence caused by another. We use our experience to represent our clients to get them the highest compensation possible.


Please see our client reviews at our main website www.carusolaw.com There is no better way to pick an attorney than to see actual testimonials. And if you would like to see the actual written testimonials, just call and ask to see them at our office. We pride ourselves on good endorsements from our clients. That's why we have been so highly rated by the Better Business Bureau A+, AVVO and other independent rating organizations.

We offer a free consultation with our attorneys at one of our two offices in Albuquerque--the Northeast Heights or the Westside. We also will travel to meet you at any location in New Mexico, including your home, place of work, hospital or nearby coffee shop. Please call us at (505) 883-5000 to speak with me or one of the attorneys in our office. We look forward to hearing from you.

Blog by Mark Caruso, Personal Injury and Wrongful Death Attorney  (Albuquerque, NM)

Tuesday, January 21, 2014

Mark Caruso Named Top 100 Trial Lawyers in New Mexico by the National Trial Lawyers Association

Albuquerque Best Personal Injury Attorneys

Albuquerque personal injury and wrongful death attorney Mark   Caruso has been named to Top 100 Trial Lawyers by the National  Trial Lawyers Association.  The selection was made from all plaintiff and defense lawyers in the State of New Mexico.


Mark Caruso, Attorney
The National Trial Lawyers Association is a professional organization of America's top trial lawyers.  Membership into the organization is by invitation only and is extended to to those attorneys who exemplify superior qualifications, trial results and leadership in their respective state.  Mark Caruso was determined by the NTLA to be an exceptional trial lawyer in the practice area of Civil Plaintiff Litigation.


Caruso Law Offices was founded in 1982 in Los Angeles and in 1987 in Albuquerque.  Mark Caruso is licensed and authorized to practice in all state and federal courts in both New Mexico and California. After graduating Pepperdine University School of Law Mark Caruso primarily represented insurance companies, but since 1987 his practice has been exclusively limited to representing injured clients against insurance companies and large self-insured corporations.
Mark Caruso named Top 100 Trial Lawyers by The National Trial Lawyers Association


Mark Caruso offers a free and confidential appointment to personally discuss your personal injury or wrongful death claim.  Call Mark at 505-883-5000.  We have two offices in Albuquerque to serve our clients--the North East Heights Main Office (Montgomery & Carlisle) or the West Side Office (Interstate 40 and Coors NW).  You can find out more about Caruso Law Offices at www.carusolaw.com or www.AlbuquerqueAccidentAttorney.blogspot.com

By Mark Caruso, Albuquerque, NM Personal Injury and Wrongful Death Attorney

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Importance Of An Experienced Personal Injury Lawyer In Albuquerque

How to pick the best personal injury attorney for your Albuquerque, NM

Albuquerque's Best Personal Injury Attorney


Being involved in a vehicle accident can be a frightening and devastating experience. Those injured in an accident often find themselves feeling unsure of what to do and how to get the medical help they need as well as the financial compensation they deserve. Hiring a personal injury attorney in Albuquerque is the best move a personal injury victim can make.

What Will a Personal Injury Lawyer Do?

Personal injury lawyers help clients understand the details of the law and fight to get them the money they deserve to allow them to get back on their feet after an accident. No matter what type of accident occurred (including  auto accidents, truck accidents, bicycle accidents, drunk driving accidents and motorcycle accidents), an Albuquerque personal injury lawyer can help.

An attorney will help clients file paperwork and gather all necessary information associated with the case. Additionally, an attorney will handle all communication with other insurance companies and any other involved parties. This helps to save the client time while reducing the client’s stress. If needed, an attorney will consult with medical professionals to get their expert opinions and have them testify at trial to prove the extent of your injuries to the jury.

An attorney can help the injured person get immediate medical care by providing the doctor and other health care professionals a letter of protection and physician lien.  This permits the health care professional to treat the injured person with no insurance, no up front money,deductibles or co-pays.  The health care professional is paid by the attorney at the end of the case from some of the proceeds from the settlement.

What Should Clients Look for in an Attorney?

When looking for a personal injury lawyer in Albuquerque, an injured person should look for someone with expertise and experience. Finding out how many years of experience an attorney has as well as how many clients he or she has represented will help a potential client in deciding whether or not to hire the attorney. Additional questions should include which types of cases an attorney has handled as well as what the outcome has been for each of those cases. Hiring an attorney with the necessary experience will help clients be confident that they will receive a fair settlement in their case.

Mark Caruso is one of the top rated personal injury attorneys in New Mexico.  He has received the following awards and certifications:
***10 out of 10 by AVVO lawyer rating service
***A+ Rating by Better Business Bureau (BBB) of NM,
***Top 100 Trial Lawyers by the National Trial Lawyers
***Top 100 Lawyers by the American Society of Legal Advocates
***Life Member, Million Dollar Advocates Forum, Top Trial Lawyers in America
***2013 Martindale Hubbell Client Distinction Award
***Lead Counsel Rated Trial Attorney
***2013 AVVO Clients' Choice Award in Personal Injury
***Top Merchant on Merchant Circle
***Member, American Association of Justice
***Member, NM Trial Lawyers Association

It is important to find an attorney who will discount the attorney fee to 29% rather than charge the normal 33 1/3% attorney fee.  This puts more money in the injured person's pocket where it belongs rather than the attorney's pocket.  Mark Caruso offers the 29% discounted attorney fee.

Mark Caruso is a former insurance company attorney.  He knows the "ins-and-outs" of the insurance claims process to get you the highest settlement possible for your car accident claim.


Make sure that you carefully read the testimonials of former clients.  These testimonials are the best source to find the top rated and best attorneys in Albuquerque.  Mark Caruso consistently receives excellent testimonials.  All client testimonials are available at www.carusolaw.com or www.AlbuquerqueAccidentAttorney.blogspot.com

By hiring an experienced and highly rated Albuquerque personal injury attorney, those injured in accidents can leave the legal concerns to the attorney while focusing their energy on healing, both physically and emotionally. Attorneys will see that their clients are treated fairly and are awarded  the appropriate compensation in their case. Free Consultations are available at either of our two Albuquerque locations. Call Mark Caruso at Caruso Law Offices, PC at 505-883-5000 for a free consultation regarding your personal injury case.

Blog by Mark Caruso, Albuquerque, NM Personal Injury and Wrongful Death Attorney


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Thursday, December 26, 2013

Mark Caruso Named Top 100 New Mexico Litigation Attorneys by American Society of Legal Advocates

Best Personal Injury and Wrongful Death Attorneys in New Mexico

       Albuquerque Personal Injury and Wrongful Death Attorney Mark Caruso was named a top 100 litigation attorney in New Mexico.  The American Society of Legal Advocates is an invitation-only, nationwide organization of elite lawyers in practice today who combine stellar legal credentials with a proven commitment to community engagement and the highest professional standards. A team of lawyers spent six months researching tens of thousands of lawyers across the country and manually selecting less than 1.5% of all lawyers based on an array of criteria. ASLA’s Top 100 Lawyers listings recognize exceptional legal talent.

 ASLA strives for practical diversity and rich experience in order to offer the best resources to those seeking counsel. ASLA’s easy-to-search directory enables those seeking representation to choose among a carefully-selected, highly-qualified community of lawyers with experience in wide-ranging practice areas in virtually any jurisdiction.

 With membership limited to less than 1.5% of of all licensed lawyers nationwide, ASLA selects outstanding lawyers in all states, with specialties varying per state depending on the number of practicing lawyers. ASLA aims to serve as a go-to source of exceptional legal advocacy, and, in turn, to strengthen professional relationships and best practices among member lawyers.

Mark Caruso is a 1982 graduate of Pepperdine University School of Law.  He is licensed in both California (1982) and New Mexico (1987) and exclusively represents victims of personal injury and wrongful death.  Caruso Law Offices offers two offices in Albuquerque for its clients--the North East Heights and the West Side. However, Caruso represents clients statewide throughout New Mexico and its reservations and pueblos.

Please visit our website at www.carusolaw.com or contact us directly at 505-883-5000 for a free and confidential appointment with Mark Caruso to discuss your personal injury or wrongful death claim.

Blog by Mark Caruso,  Albuquerque, NM Personal Injury and Wrongful Death Attorney


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Tuesday, November 5, 2013

Wrongful Death Claims Under New Mexico Law

WHAT RIGHTS DOES YOUR FAMILY HAVE AFTER A FAMILY MEMBER WAS KILLED AS THE RESULT OF THE WRONGFUL ACT OF ANOTHER PERSON?
By: Mark Caruso, Personal Injury and Wrongful Death Attorney (Albuquerque, NM)
First, if you have recently lost a loved one as the result of the wrongful death of another, let me express my condolences to you and your family on the death of your family member. I know that no words can console you for what you have gone thru. But as a wrongful deawth attorney  I promise you the satisfaction of knowing that those responsible for the wrongful act that caused the  death will be held accountable for their actions.

When you lose a loved one due to an accident caused by the careless actions of another, you want and need answers quickly. The New Mexico wrongful death attorneys at Caruso Law Offices can help you find out why the accident happened and help your family gain closure.
The challenge of facing life without your loved one combined with funeral costs, loss of wages and support, and medical bills can be too much to handle alone. While no amount of compensation could ever make up for your loss, it’s our goal to help alleviate some of the financial responsibilities related to your loved one’s death, so that you can grieve with your family. 
We can help you find out the real reason why your loved one’s death happened, and we can work with you to hold those who caused the death responsible. We know that you need immediate answers, and we will get the answers for you.

HOW A NEW MEXICO WRONGFUL DEATH ATTORNEY CAN HELP.

A wrongful death claim can help provide your family with the financial support needed to cover expenses associated with your loved one’s death. It may be difficult to receive compensation without an experienced New Mexico wrongful death lawyer who can help prove the party responsible for your loved one’s accident. Investigating the fault of all possible individuals and their various levels of insurance coverage can be complex.

Mark Caruso and his staff at Caruso Law Offices have been assisting families like yours in overcoming personal tragedies for more than 32 years. It’s our passion to help take care of your family’s needs during this difficult time. You’re not alone—call us today at (505) 883-5000 or visit our web site at www.carusolaw.com

WHAT IS A NEW MEXICO WRONGFUL DEATH CLAIM?

 







Wrongful death claims are different than other personal injury cases. If you’re filing a wrongful death claim on behalf of your loved one, you’re not only facing outstanding medical bills and treatment costs; you’re dealing with grief, funeral preparations, and the difficulty of facing life without your family member.
In its simplest terms, a wrongful death claim is seeking compensation or money damages from the at fault person, company and their various insurance companies to pay for the loss of your loved one. Often there are several different layers of insurance that must be looked into before settlement can be made with any one particular insurance company.
Mark Caruso and his staff at Caruso Law Offices will approach the legal process with compassion and understanding to get your family the legal support it needs. For more than 31 years, our legal team has helped the victims of tragedy receive the compensation necessary to rebuild their lives.

WHO CAN FILE A NEW MEXICO WRONGFUL DEATH CLAIM?

Although many family members may be considered beneficiaries—or recipients—of wrongful death damages, only one family representative, who has been appointed by the District Court, can file the claim. We begin our involvement in the claim by talking to all family members who have any interest in becoming the lead person to handle the claim. Once a family decision is made on who this person will be, we file the appropriate court documents in the court to name this person as the representative (also known as the Administrator or Executor) of the estate. After the court appointment, we file a wrongful death claim against the at fault person, company and insurance companies.
Some of the family members who have traditionally been appointed by the Court to act on behalf of your loved one include a spouse, a child, an heir or heiress, a chosen beneficiary or a parent.
One of your duties as a representative of the estate is to hire a law firm to represent the estate. If you’re unsure if you’re eligible to file for wrongful death damages, a Mark Caruso can answer your questions and explain your family’s options.

TYPES OF MONEY DAMAGES IN NEW MEXICO WRONGFUL DEATH CLAIMS.

In New Mexico, depending on the details surrounding your family member’s death, you may be able to recover damages for:
  • funeral expenses,
  • pain and suffering following the trauma causing the death,
  • medical expenses resulting from the trauma leading to death,
  • lost wages and future lost wages,
  • lost benefits and future lost benefits,
  • loss of support,
  • loss of inheritance,
  • loss of your loved one’s medical bills,
  • mental anguish suffered by surviving family members.
Mark Caruso and his staff of attorneys, paralegals, legal assistants, investigators and experts will use every resource possible to recover the full amount of compensation you deserve for your loss.
 
SEE  OUR VIDEO BELOW.  MARK CARUSO WILL EXPLAIN WRONGFUL DEATH CASES UNDER NEW MEXICO LAW
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While a video can be informative, only a confidential appointment with Mark Caruso will be able to address all of your questions regarding your wrongful death claim. Mark Caruso will give you a free no obligation and completely confidential consultation to discuss the facts and details of your family's claim. He can visit you at your home or after hours and weekends. Just call 505.883.5000 to schedule a time to meet with Mark Caruso.
We promise to leave no stone unturned in investigating every asset available to your family. It is our job to find all insurance coverage and assets to get you the most money possible.
We have settled many cases for over one million dollars.  We have been recognized by the Million Dollar Advocates Forum for our achievements in getting several million dollar settlements for families who have suffered the wrongful death of their loved one.
 Mark Caruso can meet with you at either of his Albuquerque offices--Northeast Heights or Westside. Consultations with Mark Caruso are FREE and without obligation. He can meet you at your home, work, hospital on weekends and after-hours. We represent wrongful death clients statewide New Mexico and in the Indian Pueblos and Navajo Reservation. Contact us at (505) 883-5000. Visit our web site at www.carusolaw.com or contact Mark Caruso confidentially at mark@carusolaw.com




 
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Wednesday, September 4, 2013

Giovanna Caruso Starts Phoenix School of Law

By Mark Caruso, Albuquerque, NM Personal Injury and Wrongful Death Attorney


Giovanna Caruso
Giovanna Caruso, a 2013 graduate of a Bachelor of Arts in English Literature from Baylor University in Waco, Texas, began her first day of law school at Phoenix School of Law.  The law school will be changing its name later this month to Arizona Summit School of Law.  The law school is one of three ABA approved law schools in Arizona.
 
Among the factors that influenced Giovanna Caruso to choose Phoenix School of Law were the beautiful new one year old complex in downtown Phoenix on the top floors of One North Central Avenue. The law school has state of the art classrooms, courtrooms, library and other facilities.

 Other factors included the proximity of Phoenix School of Law to Albuquerque, a substantial scholarship from the law school, and Indian Law courses she will take at the law school.

More important, however, is Phoenix School of Law's unique emphasis on lawyering skills and its training of its law students to be ready to practice law after they pass the Bar.

At Phoenix School of Law Giovanna hopes to specialize in personal injury and wrongful death litigation for her future employment as an attorney at Caruso Law Offices. Giovanna has worked as a legal assistant at Caruso Law Offices during her vacations away from Baylor University. She assisted attorneys with personal injury lawsuits from car, truck, motorcycle and pedestrian accidents and collisions.

Giovanna said, "I studied at Baylor University in Texas. I studied English Literature at Oxford University in England. I studied Spanish at the University of Granada in Spain. Now I get to study law at Phoenix School of Law in Arizona. I'm so excited about moving to Phoenix and studying law."
Giovanna Caruso is the daughter of Mark and Judy Caruso of Caruso Law Offices in Albuquerque, New Mexico. Caruso Law Offices is a personal injury and wrongful death law firm representing victims of vehicular, car, auto, truck, semi truck, tractor trailer, motorcycle, bus, bicycle and pedestrian crashes, wrecks, accidents and collisions. Mark and Judy Caruso have operated Caruso Law Offices in Albuquerque since 1987. Caruso Law Offices can be contacted at mark@carusolaw.com or thru their web site at www.carusolaw.com


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Wednesday, August 28, 2013

New Report Shows Albuquerque Drivers Rank Below Average. Car Accidents More Likely in Albuquerque

By Mark Caruso, Albuquerque Personal Injury and Wrongful Death Attorney


Car accidents, truck accidents and motorcycle accidents are more likely to occur in Albuquerque, New Mexico according to a new report from Allstate Insurance which shows Albuquerque drivers rank below average in safe driving.  Albuquerque accident and personal injury attorney Mark Caruso says that Albuquerque drivers are more likely than drivers in most other cities to be involved in an auto accident resulting in personal injuries or wrongful death.

Allstate Insurance Company today released its ninth annual "Allstate America's Best Drivers Report®." The report, based on Allstate claims data, ranks America's 200 largest citiesi in terms of car collision frequency to identify which cities have the safest drivers.
This year's top honor of "America's Safest Driving City" is Fort Collins, Colorado, the third time in report history that this city has held the top spot. Fort Collins has placed in the top ten every year since the report's inception. This year, the results indicate the average driver in Fort Collins will experience an auto collision every 13.9 years, which is 28.2 percent less likely than the national average of 10 years.
"Congratulations to Fort Collins for continuing to demonstrate excellence in safe driving," said Mike Roche, senior vice president of claims, Allstate. "Allstate's Best Drivers Report was created to boost awareness about the importance of being safe and attentive behind the wheel, while providing drivers with tips and resources to improve their driving skills."
According to the most recent report by the National Highway Traffic Safety Administration, car crash fatalities increased by more than 1,700 from 2011 to 2012, the first year-to-year increase in fatalities since 2005. While fatalities have increased over the past year, Allstate research found that 70 percent of vehicles involved in auto claims are considered drivable, which indicates that most claims are the result of low speed (under 35 miles per hour) collisions.
"Allstate has found the most frequent collisions happen during minor fender-benders, but it's important to keep in mind that even lower-speed accidents can have serious outcomes," said Roche.
Big-city vs. Small-city Driving 
Different levels and types of traffic, noise and activity, as well as varying road conditions and rules, can make big city driving different than driving in smaller cities or more suburban areas. Allstate offers the following tips for driving in both settings. In larger cities:
  • Allow plenty of time to reach your destination. Stop-and-go traffic, gridlock, traffic signal stops, pedestrian walkways and events that create traffic detours can add time to your travel.
  • Know what's happening in the city during the time you're driving. Find out if there are events that may impact traffic, and listen to traffic reports on your car radio. Avoid traffic jams or explore alternative routes, if possible. 
  • Stay alert. Be prepared to frequently stop or slow down for pedestrians, emergency vehicles, delivery trucks, parking cars, taxi cabs, and public transportation vehicles such as city buses.
  • Get directions to where you're going. Review directions carefully in advance. If you get lost mid-trip, safely pull over and wait until you feel calm enough to get back on the road, using that time to get directions, check traffic or call for help.



In smaller cities and suburban areas:

  • Watch the speed limit. Speed limits may be greater than in city traffic, which can lead some drivers to speed up and make roads dangerous.
  • Look out for pedestrians, especially children. While there are typically fewer pedestrians or obstacles than in large metropolitan areas, there are also typically fewer crosswalks, so pedestrians may be less aware of traffic rules such as where and when to cross the street.
  • Know the rules of the road. Suburban streets typically have fewer streetlights and signs, or greater distance between lights and signs. This means darker conditions when driving at night and less opportunity to be reminded of speed limits and other road rules throughout the day. 
  • Keep a safe distance – especially around large vehicles. Large vehicles like semi-trucks are more likely found on suburban roads than in large metro areas. Keep a safe distance between your vehicle and others, and know that truck drivers might have limited visibility. If you attempt to pass a truck, make sure you have plenty of time and space to maneuver safely.


The Report
For the past nine years, Allstate actuaries have conducted an in-depth analysis of company claims data to determine the likelihood drivers in America's 200 largest cities will experience a vehicle collision compared to the national average. Internal property damage reported claims were analyzed over a two-year period (from January 2010 to December 2011) to ensure the findings would not be impacted by external influences such as weather or road construction.
A weighted average of the two-year numbers determined the annual percentages. The report defines an auto crash as any collision resulting in a property damage claim. Allstate's auto policies represent about 10 percent of all U.S. auto policies, making this report a realistic snapshot of what's happening on America's roadways.
For the third time in the report's nine-year history, Fort Collins was revealed as the safest driving city. The top ten cities are:
City & Overall RankingCollision Likelihood Compared
to National Average
Average Years Between
Collisions
1.   Fort Collins, Colo.28.2% less likely13.9
2.   Boise, Idaho28.0% less likely13.9
3.   Sioux Falls, S.D.21.8% less likely12.8
4.   Brownsville, Texas21.1% less likely12.7
5.   Madison, Wis.20.3% less likely12.5
6.   Reno, Nev.20.2% less likely12.5
7.   Huntsville, Ala.20.1% less likely12.5
8.   Visalia, Calif.18.5% less likely12.3
9.   Montgomery, Ala.16.3% less likely11.9
10. Eugene, Ore.16.2% less likely11.9

Additional "Road" Scholars For the ninth year in a row, motorists in Phoenix topped the list among commuters in American cities with more than one million people. Rankings among these cities:
City & Overall RankingCollision Likelihood Compared
to National Average
Average Years Between
Collisions
71.    Phoenix, Ariz.2.0% more likely9.8
127.  San Diego, Calif.14.6% more likely8.7
141.  San Antonio, Texas22.4% more likely8.2
150.  Chicago, Ill.25.2% more likely8.0
151.  Houston, Texas25.6% more likely8.0
170.  Dallas, Texas35.6% more likely7.4
172.  New York, N.Y.37.8% more likely7.3
181.  Los Angeles, Calif.49.3% more likely6.7
189.  Philadelphia, Pa.65.9% more likely6.0

Cities holding the top spot for their respective city size:
City & Overall RankingCollision Likelihood
Compared to National
Average
Average Years
Between Collisions
Population
64.  Denver & Lakewood, Colo.ii0.4% less likely10.0750,000 – 1 million
20.  Tucson, Ariz.12.4% less likely11.4500,000 – 749,999
11.  Mesa, Ariz.15.7% less likely11.9250,000 – 499,999

To view the complete "Allstate America's Best Drivers Report," or to see previous year's results, log onto www.allstatenewsroom.com.

If you are involved in an auto accident, truck accident or motorcycle accident with another driver, call Albuquerque accident attorney Mark Caruso at 505-883-5000 for a free consultation.  Caruso Law Offices exclusively represents personal injury and wrongful death victims as a result of auto, truck, semi truck, commercial vehicle, tractor trailer, 18 wheeler, motorcycle, bicycle and bus accidents, collisions and wrecks. Mark Caruso is a former insurance company attorney who now represents the victims of car accidents, truck accidents and motorcycle accidents. 

 The Albuquerque personal injury attorneys have offices in Albuquerque's northeast heights and westside.  Consultations with an attorney are free and without obligation.  For further information call 505-883-5000 or visit their web site at www.carusolaw.com Most importantly, see their awards and client testimonials to find out what their clients have to say about their performance and integrity.

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Tuesday, July 23, 2013

NM Uninsured/Underinsured Motorist Claims: Importance of Getting A Written Settlement Sanction By Your Own Underinsured Motorist Insurance Company Before You Settle For Policy Limits With The At-Fault Driver's Insurance Company

By: Mark Caruso

It is imperative that you get the written approval and sanction to settle from your own  underinsured motorist insurance company before you settle for policy limits with the at-fault driver's insurance company.  If you don't do so, your own underinsured motorist insurance will deny any payment of underinsured motorist coverage to you because you breached the insurance contract.

NM uninsured/underinsured motorist claims are complex. You must get a written settlement sanction by your own underinsured motorist insurance company before you settle for policy limits with the at-fault driver's insurance company.  Failure to do so will be devestating to your underinsured motorist claim.

Here's the scenario.  You have an injury claim resulting from an Albuquerque, NM auto accident. You have thousands of dollars of medical bills, and you have lost earnings and wages from your job. You haven't hired an attorney, and you are trying to settle the claim yourself.

You want to settle for $40,000


Caruso Law Offices, Personal Injury and Wrongful Death Attorneys
 
Let's say that you have State Farm Insurance on your vehicle, and the at-fault driver has Allstate Insurance on his truck that caused the collision.  You hear from the Allstate Insurance adjuster that their driver only carried minimum limits of $25,000.  The adjuster sends you a declaration page proving that the driver only carried $25,000. The adjuster offers to settle your claim for policy limits of $25,000 and asks you to sign the release of all claims.

You know that you also have underinsured motorist coverage with your own insurance, State Farm.  You have had some discussions with the State Farm adjuster about your claim against Allstate and the possibility of going against State Farm for any amounts over $25,000.

Your insurance contract (or policy) with State Farm requires you to get State Farm's  written sanction and approval of the settlement with Allstate Insurance before you sign the Release with Allstate.  If you don't do so, State Farm doesn't need to pay you anything.  The adjuster from State Farm doesn't need to tell you that there must be a written approval.  You are assumed to know what is in your contract (policy) with State Farm.

Here is what you must do to preserve your right to continue your claim against State Farm's underinsured motorist coverage:

1. The Allstate adjuster must send you a letter with the offer of policy limits in writing and a copy of the Declarations Page of the at-fault driver's policy with Allstate. This letter must state that Allstate is offering to settle for policy limits of $25,000.

2. Let the Allstate adjuster that you need a few days to get the sanction and approval of the release and settlement from State Farm, your own under-insured motorist carrier.  Do not sign the release until you get the sanction and approval from State Farm.

3. You must then immediately send the letter from the Allstate adjuster together with the Declarations Page of the at-fault driver's policy with Allstate to the State Farm adjuster.  You must request that State Farm sanction and approve a settlement between you and Allstate and its at-fault driver.

4.  The State Farm adjuster will then do an assets check on the at-fault driver to determine if the person has assets that State Farm could go after.  Once State Farm finishes the assets check, you will receive a written letter from the State Farm adjuster authorizing you to settle with Allstate and its at-fault driver and giving you the right to sign the release for Allstate and its at-fault driver.

5.  Do not accept a verbal authorization from State Farm to settle.  The authorization must be in writing, either by email or letter.

6.  You can now settle with Allstate and its at-fault driver.  You can sign the release and accept the check for $25,000

7. You can also now present your claim to State Farm for the underinsured motorist claim.  If your claim is valued at $40,000 and you have already received $25,000 from Allstate, you would now want to settle for $15,000 with State Farm Insurance.

I again want to stress the importance of getting the approval to settle from your own car insurance company before you settle with the at-fault driver's insurance company IF you intend to pursue an underinsured motorist claim.

 
If you have any questions on the process or procedure, please feel free to contact me at 505-883-5000 for a free consultation.  My firm, Caruso Law Offices, has two offices in Albuquerque--the North East Heights and the West Side--but we handle cases throughtout New Mexico and its pueblos and reservations.

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I have been practicing law for 31 years, and I am a former insurance company attorney who now exclusively represents the victims of collisions and accidents.  We believe that we are extremely good at what we do, because we only handle personal injury and wrongful death cases.  Whether you have a car accident, a truck accident involving an 18 wheeler, tractor trailer or semi truck, a motorcycle accident, a bicycle accident or a pedestrian accident--We Are Here To Help You!

When considering an attorney, it's important to ask the following:

1. What kind of experience does the attorney have?
2.  Is the attorney or law firm rated by other attorneys and their clients?
3.  Does the attorney or law firm have client testimonials from real clients?
4.  Is the law firm rated by the Better Business Bureau?
5. Will the law firm discount its attorneys fees to 29% if the case can be settled without a lawsuit?

The answer for our attorneys and law firm to these questions is a strong YES! 


I hope to personally hear from you for your Free Consultation with me. 

Thanks. Mark Caruso

505-883-5000
www.carusolaw.com
www.AlbuquerqueAccidentAttorney.blogspot.com




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Wednesday, July 10, 2013

Best Personal Injury Attorneys in Albuquerque, NM

Mark Caruso among highest rated Albuquerque personal injury and wrongful death attorneys.

 
Independent ratings from the following organizations show why Mark Caruso is among the highest rated personal injury and wrongful death attorneys in New Mexico:
 
AVVO  Attorney Rating Service:  Mark Caruso has  been ranked by the prestigious attorney  rating ranking service as a "9.9  SUPERB" on AVVO Attorney Ratings. Mark Caruso ranks extremely high in the areas of Experience, Industry Recognition and Professional Conduct. This AVVO lawyer rating of "9.9  SUPERB" makes Mark Caruso and Caruso Law Offices one of the highest and best AVVO rated personal injury attorneys and law firms in New Mexico. A perfect score is a 10.
 
Martindale-Hubbell Client Ratings:  Mark Caruso has been awarded the prestigious 2012 and 2013 Client Distinction Awards from Martindale Hubbell, a non-biased and unpaid lawyer rating and referral service. Mark Caruso was recognized by Martindale-Hubbell as an excellent personal injury attorney for his Quality of Service, Overall Value, Responsiveness and Communication Ability. The award was a result of high client ratings and reporting to Martindale Hubbell and other forums.
 
Martindale-Hubbell Attorney Peer Review Ratings: Mark Caruso is AV rated by Martindale-Hubbell as a result of the independent peer review evaluation process completed by other attorneys who are familiar with Mark Caruso.
 
Million Dollar Advocates Forum:  Mark Caruso was recently named a life member to the "Million Dollar Advocates Forum, The Top Trial Lawyers in America".  Established in 1993, the Million Dollar Advocates Forum is one of the most prestigious groups of trial lawyers in the United States.   Membership is limited to attorneys who have won several million and multi-million dollar verdicts and settlements. There are only  4000  members throughout the country. Fewer than 1% of U.S. lawyers are members.
 
Albuquerque Better Business Bureau (BBB):   Mark Caruso has been awarded an A+ rating by the Albuquerque Better Business Bureau.
 
Lead Counsel Rated in Personal Injury:   Mark Caruso has earned the Lead Counsel Rating in Plaintiff's Personal Injury and Wrongful Death Law.  The Lead Counsel Rating is awarded to peer-recommended attorneys who have demonstrated significant experience and maintain a clean disciplinary history with verified experience, peer recommendations and a spotless record. 
 
AVVO Clients' Choice Award in Personal Injury:  Mark Caruso was awarded the AVVO Clients' Choice Award for New Mexico for 2013.
 
AVVO Top Contributor Award in Personal Injury:   Mark Caruso was awarded th AVVO Top Contributor Award in Personal Injury for 2013.
 
Verified Top Merchant in Merchant Circle:
 
SuperPages SuperGuarantee Protected Law Firm:  Mark Caruso is backed by the SuperGuarantee program for personal injury and wrongful death law.
 
 
Mark Caruso maintains active memberships with the following organizations: 










Member, New Mexico Trial Lawyers Association

Member, American Association for Justice
 
Member, State Bar of New Mexico
 
Member, State Bar of California
 
 
See our many Client Testimonials  at  www.carusolaw.com
 
 
 
Please call Mark Caruso today at 505-883-5000 and find out more how we can help you with your personal injury or wrongful death claim.  We have two offices in Albuquerque to serve you--NorthEast Heights and West Side.  We represent clients statewide and in the pueblos and reservations of New Mexico. We offer free consultations and can meet you after hours or on Saturdays, at your home, hospital, place of employment.

 

 
 /By:  Mark J. Caruso, Personal Injury and Wrongful Death Attorney  mjc427@gmail.com

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