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…
Experienced Naperville Personal Injury Attorneys Explain How Victims Achieve Justice After Being Hit by a Vehicle Pedestrian accidents are some of the most severe and life-altering types of motor vehicle collisions. According to the National Highway Traffic Safety Administration (NHTSA), nearly 6,000 pedestrians are killed annually, and over 130,000 are…
Fatal car accidents are devastating events that leave families, friends, and entire communities grappling with grief and unanswered questions. In Naperville, Illinois, a bustling suburban city known for its safe neighborhoods and thriving local economy, these tragic accidents are a harsh reminder of the risks associated with modern transportation. At…
Negotiating a car accident injury settlement can feel overwhelming, especially when dealing with insurance companies focused on minimizing payouts. For many Illinois crash victims, the negotiation process is the key to recovering fair compensation for medical bills, lost wages, property damage, and pain and suffering. Achieving a successful settlement requires…