Law Blog

Uninsured Motorist Coverage
Posted on: August 20th, 2018 by Will G. Phillips


Liability insurance is a requirement by law, but unfortunately not everyone plays by the rules. Uninsured Motorist, or UM, covers your injury costs if you are hit by someone without insurance.  Underinsured Motorist, UIM, covers you if you are hit by someone who may have insurance, but not enough to cover your injury expenses.


Alabama law requires every driver to have at least $25,000 in liability insurance.  With the minimum amount of liability insurance, if you cause an accident, your insurance will pay up to $25,000 toward the injury or property damage of the vehicle or person you hit.  Unfortunately, many people do not have liability insurance.  A recent study showed that one in four vehicles are not insured. If an uninsured driver hits you and causes damage, you will most likely be left with the bill if you do not have uninsured motorist insurance.


Many times we are asked if uninsured motorist insurance is a requirement on your policy. You do have the option to waive UM/UIM coverage when you purchase your auto policy. However, if you choose not to have it, you might find it difficult, if not impossible, to cover your losses from an accident with an uninsured motorist. It is some of the least expensive insurance you can buy, and depending on your policy, many times it only costs you an additional $15-20 every six months.


In order to be protected from uninsured drivers, make sure you have included UM/UIM coverage on your auto policy. The higher the limits, the better. The next thing you can do is practice defensive driving. Always be cautious of other drivers. Plan ahead for the unexpected, watch your speed, always use your turn signals, and keep a safe distance. If you have any further questions, or would like one of our injury attorneys to review your auto insurance policy, please feel free to stop by our office at 51 N. Florida Street anytime, or give us a call at (251) 300-2000.


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Pool Safety
Posted on: June 28th, 2018 by Will G. Phillips

Summer is here, and we all know that one of the best ways to beat the heat is to go swimming. But as much fun as swimming can be, safety around the swimming pool, or any body of water for that matter, should be of utmost importance. It is crucial to know how to swim, but if someone does not know how to swim, like children for instance, make sure they have the proper flotation devices. Also, make absolutely sure that children are never left unattended around a swimming pool, no matter how well you think they may be able to swim. If you are swimming at a public pool, it is important to be aware of others around you. Avoid horseplay, running around the pool, diving when you're unaware of the depth, and swimming unattended. If you happen to see someone struggling to swim or in distress, you should seek help immediately. If you are able, get the person out of the water and call 911. Time is extremely limited in situations such as drowning.

Another step that is vital for maintaining safety around swimming pools is to establish rules for the pool area by which people should abide. All pools should have a proper barrier that helps to ensure that a child cannot get into the water without the help of an adult. It's also a good idea to keep life-saving equipment near the pool area, such as a rescue ring or lifesaving hook.

If someone is injured in or near a pool, they should first seek medical attention. Call 911 if someone has drowned or is severely injured. It's very helpful to have someone around that knows CPR in the event that a drowning does happen. We see accidents like this all the time due to improper barriers around pools, manufacturing defects with the pool itself, or even adults or lifeguards neglecting to properly watch the children or swimmers. Most of the time, these incidents occur at residential homes, where you would least expect it to happen. It's always important to speak with an attorney to see what you're able to do in the event of an accident. If you have any questions about pool safety or think you may have a case, please call (251) 300-2000, go to, or stop by our office at 51 N. Florida Street to speak personally with an injury lawyer. You never need an appointment, and you owe us nothing unless we get you money.


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Motorcycle Safety
Posted on: June 21st, 2018 by Will G. Phillips

According to the Insurance Institute for Highway Safety, motorcyclists are thirty times more likely to die in a crash than people in a car or truck. The most important thing is to know how to properly operate the motorcycle that you plan on driving. When you’re out on the roadways, you want to be confident in the motor vehicle you’re operating. It’s also important to wear the proper safety gear, such as a helmet, boots, and thick clothing even in the summertime. Wearing brightly colored clothing is a good idea as well.

It’s important to remember to keep an eye out for cars suddenly changing lanes, or pulling out from side streets. Also, be sure to keep a safe distance from the vehicle in front of you. This is critical to ensure that you have enough stopping distance, and so that you have time to react to obstacles in the road. Drivers are distracted by many different things, so it’s important to be overly cautious of your surroundings, and how vehicles are moving around you.

Sometimes accidents are unavoidable, but taking the time to check on road conditions and road construction, as well as bad weather, could potentially be lifesaving. Before you decide to operate a motorcycle, check your local weather forecast. It’s even more difficult to see motorcyclists when the weather conditions are bad. And of course, always practice safe driving habits. Avoid going over the speed limit, look twice before entering an intersection, and always keep a cautious eye out for other drivers around you.

In the unfortunate event that you or someone you know is involved in an accident while driving a motorcycle, seek medical attention immediately. After being checked out by a doctor, you should contact an attorney to see what you are entitled to for your injuries. At Greene & Phillips we have dealt with many motorcycle accident cases, and it’s important to find an attorney that can answer questions based off of experience they’ve had with cases similar to yours. If you’ve been involved in a motorcycle accident, or have any further questions, please don’t hesitate to call our office at (251) 300-2000, go to, or stop by our office at 51 N. Florida Street to meet personally with an injury attorney. You never need an appointment, and you owe us nothing unless we get you money.


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Medical Attention Following Your Wreck
Posted on: April 13th, 2018 by J. David Greene

When should someone seek medical attention after they’ve been in a car wreck?

Obviously if you are bleeding, have broken bones, or are in extreme pain, you need to get checked out right a way. Allow first responders to escort you to the nearest Emergency Room.
But for minor accidents, as a general rule, if there is any damage to your vehicle there very well may be damage to your body, and it’s worth getting checked out by a doctor. Many injuries from car accidents aren’t particularly obvious at first, but they can still have significant long term effects if not caught early.

So what you’re saying is, even though you might not be in pain, it’s still best to be examined by a doctor?

Absolutely. You really should go to the doctor within 24 hours of your accident. One big reason is from a legal standpoint, you don’t want to develope what is called a “gap in treatment” which refers to the time between the accident and the documentation of your injuries related to that accident. When dealing with your case, the longer you wait after your accident to see the doctor, the more challenging it is to prove those injuries were caused by the accident.

If you aren’t experiencing much pain, what should you tell the doctor who’s checking you out?

Tell your doctor, that you were in an accident. Your doctor is then going to check for signs of whiplash and other strains in the neck and back. He or she will also be able to determine if the trauma may have led to more serious conditions like nervous system or brain damage.

If the accident victim doesn’t have a primary care doctor what should they do?

They can go to an urgent care facility and get checked out. Urgent care facilities are typically much quicker than a traditional ER. Also an ER will immediately put a lien on your case which could affect the amount of the money you will receive with your settlement.

What about if they don’t have insurance, or are concerned about how to pay for the doctor’s visit?

If they are concerned about paying for the visit, they should contact a lawyer who may be able arrange a doctor’s visit with no initial costs under what is called a letter of protect.

David, how can someone contact Green & Phillips if they should have any further questions about when to see a doctor after an accident?

They can come by anytime or call our office 24/7 at 251-300-200.


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QB Country Camp
Posted on: June 5th, 2016 by J. David Greene

Greene & Phillips is a proud sponsore of the QB Country Camp


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George Talbot-L'Arche Football Banquet
Posted on: June 1st, 2016 by J. David Greene

Greene & Phillips is a proud sponsor of the George Talbot-L'Arche Football banquet

L'Arche Mobile Banquet...

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Safety Advice for Motorcyclists
Posted on: July 21st, 2015 by J. David Greene

What are some safety tips that motorcyclists should be aware of?

First off, be sure to wear a helmet and protective clothing. If you are in an accident, they can save your life. But beyond that, you really want to always assume that you cannot be seen and that the other drivers may not act rationally when they are around you. If you're on guard, you can and drive defensively you can often take evasive action to avoid an accident.

Make sure you make yourself visible and always be aware of your surroundings. You'll want to drive within the speed limit, but always be thinking how you can escape if another vehicle acts in a way that may threaten you.

Also, it's very important that you do not drink at all before you ride. You've got to be alert, not tired and not on any medication that may cause drowsiness or delayed responses. There is no margin for error when you're on a motorcycle because you have very little protection, so your life could depend on how alert you are.

What are some things for a drivers of a cars and trucks should remember, when it comes to motorcycle safety?

First, make sure you don't drive distracted, motorcycles can be less visible, so it's important to keep your eyes on the road. If you do see a motorcycle, keep a safe distance and use your turn signals.

A motorcyclist has the same rights and responsibilities as any other motorist on the road. That means you should never assume you can squeeze by a motorcycle in the same lane. If you are passing a bike, give it a full lane, just like you would a car.

If someone is involved in a motorcycle accident is that case unique?

Motorcycle accident injuries are often much more severe than other accidents, but the cases can be difficult because the motorcyclist is often unfairly initially blamed. People tend to see them going faster than they actually are, and the insurance company is going to make assumptions about the motorcycle driver that are often not true.

When should the victim of a motorcycle accident contact a lawyer?

You should contact a lawyer as soon as you can after your accident. Important information about the accident can be harder to determine the longer time from the accident. Make sure to pick a lawyer who handles Motorcycle Accident cases. ...

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Legal Advice on Trucking Accidents
Posted on: January 31st, 2015 by J. David Greene

When you've been in a trucking accident

  1. Seek Medical attention
  2. Make sure the authorities are called
  3. Make sure a report is filed
  4. If you are able ask about any witnesses
  5. Take photos of the scene if you are able
  6. Also talk to an attorney
As you search for an attorney to represent you, make sure you hire an attorney who has experience with big truck cases, and make sure to ask them how much money they have recovered for victims of trucking accidents. A personal injury lawyer who regularly handles truck accidents is not going to make big mistakes that could cost you tens of thousands of dollars or more.

A lawyer with experience will have the knowledge to find ways to increase the value of your case. They'll be able to attain information that you may not know how to get on your own. The company who owns the 18-wheeler will be investigating the scene trying to prove it's not their fault to minimize their cost. You as the victim really need someone looking out for your best interest.

We send an investigator to the scene as soon as we are hired. Accident reconstruction experts create graphs of the scene to determine the speed of both vehicles, how the accident happened, who was at fault.

We look for things that can add value to the case including recovering logbooks and driving record of the operator. Also we seek out interview any witnesses, and recover any video that may have been recorded of the incident

Truckers can be distracted, they can be drowsy from driving longer than they should, also the truck may be equipped with faulty equipment like brakes or tires, or have maintenance issues that contribute to the accident. A trucking accident lawyer is going to to be able to hire the right experts to find out all the causes of the accident, and make sure that the responsible parties pay.

Most big truck accident cases settle before going to trial. If the insurance company refuses to pay a fair settlement, we will take the case to court. If you don't have someone on your side who knows this type of case you may be at a disadvantage.

Greene & Phillips has been handling trucking cases since the late 90s. We've handled cases ranging from a hundred thousand dollar cases to multimillion dollar cases....

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Airbag Recall
Posted on: October 22nd, 2014 by J. David Greene

Eight vehicle manufacturers have issued recalls for problems related to sharp metal pieces or shrapnel shooting out of airbags when they are deployed. BMW, Honda, Mazda, Chrysler, Ford, Nissan, Toyota and Subaru have recalled cars and trucks that included airbags manufactured by Japanese automotive parts company Takata.

You'll find links about the defective airbags and recall information on the Greene & Phillips website. Go there to find out if your vehicle is affected by the recall. Airbags were meant to help, not hurt.

N. Staples Wood, a product liability attorney at Greene & Phillips, says these airbag defects can be grounds for compensation for injury victims. If you or anyone you know have been involved in an accident where the vehicle's airbag deployed and there were injuries caused by shrapnel from the airbags, contact Greene & Phillips to consult with a Product Liability lawyer to determine if you have a case. Greene & Phillips has experience helping their clients recover money for their injuries due to faultily designed products.

If you have questions you can contact us anytime or come by the office during business hours. ...

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Financial Pressures after you are in Car Accident
Posted on: April 14th, 2014 by J. David Greene

from Studio 10 on

Whether you are at fault or not, there are a lot of financial pressures that come along with being in a car accident. David Greene from Greene and Phillips Law Firm stopped by Studio10 to discuss this issue.

Below is a list of questions and answers talked about on the show:

What are some financial pressures that people face after a car accident?

Well, first off, they have to get their car repaired, that can cost thousands of dollars. While their car is being repaired they may need to rent a car, or use another form of transportation. There are medical bills, lost wages to be considered too. Many people have very little emergency savings and something like a car wreck can cause a lot of stress about how to pay for necessities.

If the accident is someone else's fault, what costs are they responsible for?

The other driver is responsible for all costs associated with the accident.

What can someone do about these financial pressures?

Your property damage should be handled quickly by the insurance provider of the person that hit you. You should hire a personal injury lawyer to help you get recoveries for your medical expenses. A lawyer can help you navigate the complexities of finding and receiving treatment, and getting the maximum value from you case.

What if you don't have health insurance and are afraid about not being able to pay for medical bills?

Call a lawyer who handles this type of case. They can connect you with medical providers who do not require upfront fees. Those providers will then be paid out of your settlement from the insurance company.

What if the insurance company is not providing you enough money to fully fix your car?

Often the property damage part of your claim will not be enough to cover the full costs of fixing your car and the costs associated with renting a vehicle, and dealing with the hassle of being without a vehicle while it's being fixed. Sometimes the settlement value of your personal injury claim will make up for the financial loss you took on your property damage claim.

When and what should you say to the insurance company concerning your property damage case and your personal injury case? We tell everyone don't give a statement to the insurance company without consulting with a lawyer first. The insurance adjuster is trained ask questions in a certain way that answering them may lessen the value of your case.


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