Being involved in a car accident is stressful enough, but when the other driver flees the scene, the situation becomes even more complicated. Hit and run accidents leave victims not only injured but also frustrated, confused, and unsure about their next steps. Insurance companies may deny coverage, police investigations can…
Whiplash is one of the most common injuries sustained in car accidents, particularly rear-end collisions. Though often dismissed as a “minor” injury, whiplash can cause long-lasting pain, mobility issues, and even chronic disability if left untreated. Understanding how car accidents cause whiplash, the mechanics of the injury, and its potential…
A recent Daily Herald article highlighted an eye-opening traffic safety study revealing that drivers in Naperville, Illinois, rank among the worst in the state when it comes to safe driving habits. While some Illinois communities have earned recognition for cautious and courteous driving, Naperville’s high car accident rates and risky…
At John J. Malm & Associates, we often hear from clients who say, “Don’t worry — the other driver had full coverage.” Unfortunately, “full coverage” is one of the most misunderstood terms in the world of auto insurance, and it can lead to serious confusion — especially after a car…
Strolling through downtown Naperville is one of life’s simple pleasures—whether you’re grabbing a latte, meeting friends, or just enjoying the charming scene. But urban walking comes with risks, and as our city grows, staying safe on foot is more important than ever. At John J. Malm & Associates, we are…
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…
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…
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.…
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…
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…