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[VIDEO] A guide to using your uninsured/underinsured motorist protection

It's a step not everyone will have to take, but using your uninsured/underinsured motorist protection means some fairly complicated fine print can affect your claim. Insurers are skilled at looking for ways to reduce your compensation, as it saves their bottom line. Click here for a video series from Bill Coats Law on what you need to know about using your uninsured/underinsured motorist protection. 

A critical step in the claims process for owners of financed or leased vehicles

Insurance claims adjusters are notoriously adept at negotiating a smaller claim than their insured would like. If you've got a financed or leased vehicle, you may be in for a bigger shock than even the claims adjuster can give you if you lack gap insurance. Here's what you need to know about this coverage.

Certain vehicles have a higher likelihood of rollover

The higher the center of gravity, the higher the likelihood that a vehicle will rollover. Accidents and sudden turns can sometimes prove to be too much for trucks and SUVs to handle, which can result in one of the scarier – and deadlier – kinds of crashes. If a vehicle rolls, common results are that occupants are ejected and/or the roof is crushed. Catastrophic injuries may occur such as multiple fractures, back or spinal cord injuries, or traumatic brain injuries. And in the worst case scenarios, fatalities may result. For more info on rollover crashes, factors that contribute to rollovers, and what to do, click here.

Look at this poor elk! The 600-lb female fell through a plexiglass window well into a family's living room in Hailey, Idaho, and they didn't even have any snacks ready for her.

Need any more proof that 3-year-olds are monsters who care nothing for your cardiac health or sanity? Look no further than this toddler in Crystal River, Florida, who decided to try to murder his parents in cold blood this week by scaring them to death. 

Tampa Bay news station WTSP reports:

Fetch me my smelling salts; these kids are going to kill me. 

In my opinion, holidays are stressful enough with adding a housefire to the mix. Basically everything we do between now and the New Year consists of dramatically increasing the likelihood of someone receiving a second-degree burn, so it's good to brush up on the skills we learned when those firefighters came to 6th grade to bore us with their safety talk.  Danger #1: The Kitchen

Tips on hosting a safe Super Bowl party

Imagine how bad you'd feel if you hosted a super bowl party, and a guest got into a terrible, preventable accident on the way home because he was drunk. Not only would you feel terrible, there may be criminal or civil penalties against you. For tips on providing a safer super bowl party from Bellingham WA drunk driving accident attorney Bill Coats, click here.

Teenage pedestrian Daejah Hough is dead after being struck by 2 vehicles in Darlington County while attempting to cross the street. Hough died around 6:30 a.m. after being hit by a freightliner truck and then by a Chrysler minivan while attempting to cross US Highway 52 at Syracuse Street. She died at a local hospital and no charges will be filed against the drivers. Hough was at fault for unlawfully trying to cross the highway and the incident is under investigation by the Darlington County Coroner and the SCHP.

Questions for Car Accident Witnesses

Witnesses to a car accident can be valuable when it's time to piece together the details of what happened right before, during, and after the crash. Statements from witnesses can also become key evidence later on, in any lawsuit or insurance claim that seeks to establish legal responsibility -- in other words, fault for a car accident. So it's important that the right questions get asked of witnesses, in order to make sure the right information is obtained and recorded. This article touches on some important strategies and points to cover when questioning witnesses to a car accident.