Jim Adler | The Tough, Smart Lawyer
By Jim Adler January 13, 2017

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As you begin the New Year, you may be taking a big-picture look at your life. In which case, you may be working on a 2017 budget and asking questions such as how much car and home insurance do you need.

Jim Adler & Associates will try to provide some tips to help guide you.

Car Insurance Needs

Texas law requires every motorist to purchase car insurance, or auto liability insurance. But that doesn’t mean everyone buys it. In fact, as many as one-fifth of vehicles on Texas roads are not insured.

Knowing this fact should help steer you toward certain car insurance needs. These include insurance coverage to protect you against uninsured motorists or underinsured motorists. Uninsured motorist coverage means you can turn to your own insurance company for payments if you suffer injuries or damages in a collision which wasn’t your fault.

Uninsured motorist coverage also protects you in case you are struck by a hit-and-run vehicle, in which case no insured motorist is available for pursuing a claim with another insurance company.

Your auto insurance company is required by Texas law to offer you uninsured or underinsured motorist coverage, and to get a signed statement from you that you elect not to buy it if that is your decision. If the insurer cannot prove these things, you are legally entitled to buy retroactive uninsured motorist coverage after such an accident.

Minimum Auto Liability Insurance

It’s important to check out the minimum auto insurance requirements of the State of Texas. Depending on your vehicle’s value and other factors, minimum insurance requirements could meet your needs (except for adding uninsured motorist or underinsured motorist coverage, which are not required by law).

Even so, your goal should be to purchase car insurance coverage equal to the total value of your vehicle. In order to get a lower rate, you may choose coverage which offers a higher deductible and plan to make routine repairs with your own money.

By Texas law, drivers who cause an accident are liable for the damages they cause. That’s why your car insurance includes auto liability coverage.

Texas law requires at least these amounts of auto liability coverage:

  • $25,000 for property damage caused by an auto accident
  • $30,000 per person for bodily injury or death due to an auto accident
  • $60,000 total coverage per accident for bodily injury or death when two or more persons are injured

Keep in mind that such minimum coverage required by Texas auto insurance law does not mean you won’t have to pay more if you cause more damages than those amounts. You still can face legal liability for the difference.

Home Insurance Needs

As for your home insurance needs, you are advised to explore policies covering the following:

  • Your liability to other persons who are injured in your home
  • The structure of your home itself
  • Your personal possessions in the home
  • The expense of living elsewhere while your home is repaired after damages

Such costs and adequate insurance to cover them can vary widely depending on the value of your home and your possessions.

Costs of Rebuilding Your Home

Keep in mind that home insurance should cover the costs of rebuilding your home according to current construction expenses. Such rebuilding costs do not include the value of the land on which your home is located, which is a large part of your property’s value.

To calculate the cost of rebuilding your home, multiply your home’s square footage by local building cost per square foot. Building costs for your area can be provided by builders, real estate agents or perhaps insurance agents.

All of these tips for how much car and home insurance you need are only suggestions and a guide. You must assess your own auto and home values and your own corresponding insurance needs to proceed with confidence.

However, if you or a loved one is injured in an auto accident or on someone else’s property where premises liability law applies, Jim Adler & Associates can help. Contact us today for a free case review toward an auto injury lawsuit or premises liability lawsuit claiming payments for your injury losses.

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Erick Becker
Erick Becker
01:20 06 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.
Tierra Clark
Tierra Clark
18:52 19 May 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!
Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 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.
Tori Barroga
Tori Barroga
14:17 11 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.
Bernard Orozco
Bernard Orozco
17:16 23 Feb 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.
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