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…
Falls are one of the leading causes of serious injuries and fatalities among nursing home residents. According to the Centers for Disease Control and Prevention (CDC), between 50-75% of nursing home residents fall each year, often due to inadequate care or unsafe conditions. Many of these incidents are preventable, particularly…
Filing a personal injury lawsuit can feel overwhelming, especially if you’re recovering from an accident and trying to navigate an unfamiliar legal system. Knowing what to expect and understanding the typical timeline of a personal injury case can provide clarity and peace of mind. At John J. Malm & Associates,…
Parking lots, often perceived as low-risk areas for car accidents due to reduced speeds, are surprisingly common sites for crashes. In Naperville, Illinois, the bustling commercial centers and dense traffic contribute to a significant number of parking lot accidents annually. Understanding the appropriate steps to take following an accident in…