Jim Adler | The Tough, Smart Lawyer
By Jim Adler May 13, 2016

After having a serious injury in an auto accident, you could go bankrupt if your insurance policy doesn’t cover all or most of your medical bills. Hospital and healthcare costs are rising rapidly today.

But you shouldn’t have to pay thousands of dollars out of your own pocket for expenses caused by a bad driver.

Uninsured, Underinsured Motorists Coverage

If your goal is avoiding bankruptcy after an accident, it’s vital that you secure uninsured motorists coverage and underinsured motorists coverage for your own car insurance policy. That way, when another driver is at fault and causes your injury, and that driver either has no insurance or inadequate insurance, you can file a claim with your own insurer to cover your costs.

If you lack uninsured motorist insurance and underinsured motorists insurance, you could face thousands of dollars of costs for your post-accident healthcare — even though you weren’t at fault in the wreck. Such costs could cause bankruptcy, especially since a driver without insurance probably isn’t solvent enough to pay you if you sue him or her for damages.

That leaves you in the lurch — but not if you get uninsured and underinsured motorists coverage for your own auto policy. Check your policy or consult your insurer today to make sure you have this coverage — coverage which could enable you to avoid bankruptcy after a catastrophic auto accident.

Your insurer is required by law to offer you such coverage when you buy your policy. Your insurer must have a signed statement from you indicating you declined such coverage in order to avoid paying a claim. If your insurer lacks such a statement, even if you haven’t acquired uninsured motorist coverage yet, you can do so retroactively after a crash.

Health Savings Account

Another way to prepare for unexpected medical costs is to set up a Health Savings Account (HSA). These are tax-advantaged medical savings accounts to which you can contribute and from which you can withdraw funds for specific medical costs, tax-free.

An HSA may be utilized to pay your out-of-pocket expenses for medical, vision and dental care. However, your HSA account cannot be employed to pay your medical and health insurance premiums.

To set up an HSA, you need to be a taxpayer and be enrolled in an HDHP, or a high-deductible health plan. That means your insurance has low premiums but higher deductibles than a traditional insurance plan.

Contact Jim Adler for Help

Don’t wait until you’ve had an accident to explore your financial options. And when you have had an injury accident, don’t hesitate to seek legal help in dealing with your expenses.

To do so, contact an experienced car accident lawyer with Jim Adler & Associates. Our law firm can help guide you toward the protections you need and deserve after another driver injured you or a loved one. We also can work to make sure your insurance company pays you the money to which you are legally entitled.

Jim Adler knows the high costs of medical care, and he wants to help you avoid bankruptcy after an accident. Check out his YouTube video here.

If you need more information, contact us today. We’ll be happy to provide you with a free legal review of your case, and at no obligation to you. With proper precautions, you may be able to avoid the huge post-accident expenses which can force some people into bankruptcy.

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I went to the office and everyone was so considerate and professional , so my first impression was good, I felt like I was in good hands. Then I received a call from Vanessa Garcia, she was on top of EVERYTHING! I never had to call her, she always called me. She even called to see how I was doing , and if I needed help with anything. That is why I have absolutely no worries.read more
13:42 01 Jun 17
My lawyer Bill Adler and case manager Iris Sanchez are amazing! They constantly call and check on you . They keep you up to date through the process. They care about you as a person and not just a client. The wreck was a life changing experience that I've never been through before. I'm just glad I had the right people like Bill Adler and Iris Sanchez to help me through it. Truly satisfied.Thanks and God bless y'all!read more
Tierra Clark
Tierra Clark
18:52 19 May 17
I was dropped from a previous law firm regarding my case before I called Jim Adler. They immediately took up my case and worked hard on it - I was always up to date with each step they took and the benefits or consequences of each. In the end, I am highly satisfied with the outcome and would not have it any other way. It took some time but I truly appreciate and want to thank everybody who helped me on this journey and worked tirelessly on it.read more
Tori Barroga
Tori Barroga
14:17 11 May 17
I am a Patrol Deputy for the Sheriff Office and while working one night, a drunk driver crossed the center stripe on the highway and struck my patrol vehicle head on with his pick up truck. Needless to say we (the drunk driver and I) were both lucky to survive, as the accident occurred at highway speeds. Following my release from the hospital, I knew that I would need to have someone represent me. My employer was happy to represent me in regards to prosecuting the driver for criminal charges but, can do little in respect to the recovery of financial losses for medical bills, pain and discomfort, time lost from work etc... This is how my relationship with Jim Adler and Associates began. Yep, you probably guessed correctly when you think of what made me choose the "Texas Hammer" to represent me. Those half obnoxious, half way entertaining commercials and radio announcements most Texans have been seeing and hearing on the TV and radio for years instantly came to mind. Yes, I wanted to "hammer" this S.O.B. for trying to kill me but, more importantly I was worried about the costs associated with the life long injuries I had sustained as a result of this drunk driver's negligent behavior. I contacted Jim Adler and Associates and so began our relationship. I was immediately surprised by the prompt attention and the expression of genuine concern for my well being that I received from the employees of Jim Adler's office. Now as you can imagine, lawyers are not a breed that is held in very high regard by people in my profession but, my experiences with Jim Adler's office and his employees have forced me to amend my way of thinking, at least on the civil side of the house anyway. I have to chuckle when I say that because my experience as a client of Jim Adler's firm has been exceptionally pleasant. So before I venture down one of the stereotypical and infinite number of rabbit holes associated with the relationship between members of law enforcement and lawyers; I will do my best to stay focused on my experience with Jim Adler & Associates. Upon being informed that my case had been accepted by Jim Adler's office; I was contacted by Iris Sanchez who informed me that she was to be my case manager and any questions, comments and concerns could be directed to her. I was pleasantly surprised to receive regular calls from Iris assisting with my medical appointments and future follow up appointments. Iris had informed me that Jim Adler's son, Bill Adler would be handling my case and I was even more surprised to receive several calls from Bill to discuss my case. Now you might be thinking "what's the big deal" with the person who is representing you contacting you? In reality, you are correct in that it isn't a big deal but, what is noteworthy and what separates Jim Adler's Office from the multitude of other lawyers is the genuine expressions of concern and the desire Bill Adler conveyed to me to do their best to help me. I felt an immediate connection and instantly realized I had made the correct choice in contacting Jim Adler & Associates to handle my case. One thing I think lawyers and police officers can agree on is the proverbial wheels of justice turn very slowly. Months go by and our professional relationship is never neglected. Through the unwavering attention of Iris Sanchez and Bill Adler himself, I never felt "out of the loop" so to speak and always had a clear understanding of where my case was at in regards to the legal process. In conclusion, I know my brief description of my experiences with Bill Adler and, his assistant Iris Sanchez, cannot provide the credit they deserve. Together they have done an outstanding job representing their firm/employer. If you are seeking a great firm to represent your legal interests and, take comfort in establishing a professional relationship that feels more like a friendship than a casual business acquaintance, then I highly suggest Jim Adler & Associates.read more
Erick Becker
Erick Becker
01:20 06 May 17
I am very happy with Jim Adler & Associates. I did not know anyone who has ever used the Law Firm before. The staff is very friendly and treated me as if I were family. At times it got very stressful being without a job. They helped me when I was confused about the process. Mrs. Theresa Rodriguez stayed in contact with me constantly. Checking on me to see how I was doing and to let me know how things were going on there end. The Attorneys that handled my case know exactly what they are doing to take good care of me. Thank You so much Attorney's Mr.Michael Gomez and Mr.Trey Smith.read more
Bernard Orozco
Bernard Orozco
17:16 23 Feb 17
Jim Adler only offer nothing less than a great experience. They are a very well-established organization. They are outstanding on keeping you up to date with cases. There's no beating around the bush with this organization as they are only straight forward with the whole process. They treat their customers like family as well as go above and beyond to fight cases for you only leaving you with nothing but the best experience. Easy 5-star rated organization. I would highly recommend this one organization you not look over.read more
Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 17
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