Texting and driving is a persistent and deadly problem on Illinois roads. Despite statewide bans, public service campaigns, and growing awareness of its risks, many drivers continue to text behind the wheel. This dangerous habit leads to thousands of preventable car accidents, injuries, and fatalities each year. Texting while driving…
Motorcycle riding offers freedom and exhilaration, but it also comes with significant risks. Among these is the danger posed by uninsured or underinsured drivers. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are essential protections for motorcyclists, ensuring financial security in the event of an accident with a driver lacking…
After an accident—whether it’s a car crash, a slip and fall, or another personal injury—the insurance company may contact you with a seemingly routine request: to sign a medical release form. While this might sound harmless or even necessary, many injury victims don’t realize that signing a blanket medical release…
Dog bites can leave lasting physical and emotional scars. Each year, thousands of Americans are injured by dog attacks, many of them children. According to the Insurance Information Institute (III), insurers paid over $1 billion in dog bite liability claims in 2022 alone. But what many people don’t realize is…
When approaching a four-way stop, it’s important to know who has the right-of-way to go first if multiple parties arrive at the stop sign at the same time. Not knowing the rules of the road and who has the right-of-way, can cause serious car accidents. In this blog, we’ll discuss…
Umbrella coverage, also known as an umbrella insurance policy, provides additional liability protection beyond the limits of standard homeowner’s, auto, or other personal insurance policies. In Illinois, homeowners can purchase umbrella coverage to protect against significant claims and lawsuits that exceed the limits of their primary insurance policies. This is…
For many dog owners, their pet is a beloved member of the family. But there is one uncomfortable truth that cannot be ignored: When it comes to serious and fatal dog attacks, no breed is responsible for more injuries and deaths than pit bulls. At John J. Malm & Associates,…
If you’ve been injured in a car accident, you might wonder whether you need to hire a personal injury attorney. While it’s technically possible to handle a claim on your own, navigating the complexities of insurance companies, legal procedures, and medical bills can be overwhelming—especially while recovering from your injuries.…
Nursing home neglect is an all-too-common issue in here in Naperville and throughout Illinois, with serious consequences for vulnerable elderly residents. Whether it’s the result of missed medications, improper care, or inadequate supervision, neglect can lead to devastating injuries, emotional trauma, and even death. At the core of many of…
Uninsured Motorist (UM) coverage is an essential part of auto insurance, providing crucial protection when drivers encounter situations involving an uninsured driver. Despite legal mandates in many states requiring drivers to carry minimum liability insurance, millions of drivers either fail to maintain adequate coverage or drive without insurance altogether. This…