Every driver in Naperville assumes a responsibility to operate their vehicle in a manner that keeps themselves and others safe. This duty becomes even more critical when traffic conditions, weather, or congestion warrant slower speeds than the posted limit. Driving too fast for conditions, whether due to poor weather, heavy…
Driving on Illinois roads comes with its risks, and one of the most significant is the chance of being involved in an accident with a driver who has insufficient insurance coverage. Underinsured motorist (UIM) coverage is designed to protect you in these situations, ensuring that you are not left with…
In car accidents, the forces involved often result in injuries to components of the body that absorb impact or brace against forces, such as the head, neck, chest, and shoulders. Due to the shoulder’s wide range of motion and relatively complex anatomy, shoulder injuries are frequently sustained in car accidents…
Speeding is more than just a traffic ticket: it changes the physics of collisions, increases the chance that a crash will be deadly, and makes Naperville’s otherwise safe neighborhood streets and busy corridors far more dangerous for drivers, passengers, pedestrians and bicyclists. In a growing suburban city like Naperville, with…
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…