Can They Prove I Was Using My Phone Before The Crash?

Six billion text messages are sent in the U.S. every day and many are sent from inside a vehicle. In 2010, federal guidelines prohibited federal employees and commercial vehicle drivers from texting while driving. States slowly adopted similar laws—today, 47 states enforce a primary texting ban, and roughly half have a partial or primary ban […]

Can I Sue If I Don’t Have Car Insurance?

Everyone knows that getting into a car accident with an uninsured driver can cause major problems for the injured—it’s the reason most states (including North Carolina!) legally require car insurance. But what if the injured driver isn’t covered? What if the at-fault driver has insurance and the injured driver is uninsured? Ryan A. Valente is an […]

North Carolina Insurance Fraud Laws

The North Carolina Department of Insurance’s Criminal Investigations Division is the nation’s oldest state insurance department fraud unit. The Department of Insurance is responsible for maintaining order throughout various insurance markets, and the Criminal Investigations Division is charged with conducting criminal investigations and prosecuting insurance-related crimes. Insurance fraud is a significant problem in the U.S. […]

Local Charities Who Support Our Community

The holiday season is a great time to get in touch and support those organizations that care for those in our community. Whether you’re new to North Carolina or born and raised here, it’s worthwhile to get to know some of the area’s reputable charities and impactful programs that support our state’s most vulnerable populations. […]

Rebuild Your Self-Esteem: A Guide for North Carolina SSD Beneficiaries

Social Security Disability (SSD) beneficiaries often endure epic crises of confidence and self-esteem following a rejection notice. According to one report, at least one third of individuals involved in a nonfatal accident develop post-traumatic stress disorder, varying degrees of anxiety, depression, and phobias. Even if you were a happy, content person before an accident or […]

What Is PUP and How Does It Help Me And My Family

A personal umbrella policy, or PUP, is supplementary liability insurance that offers personal and family protection from incidents that result in damages that exceed the policy thresholds of car or home insurance. An umbrella policy isn’t for every individual or family, but knowing about this type of insurance is the first step toward making an […]

Thanksgiving Preparation Safety Tips

Home fires and injuries peek during the holidays. In 2014, according to the National Fire Protection Association, home fires related to cooking were 4 times higher on Thanksgiving.  It’s for that reason the Law Offices of Michael A. DeMayo offer the below tips and information that can keep you and your family safe during Thanksgiving […]

3 Common Questions about North Carolina Social Security Disability Benefits (For Caregivers)

Are you the child or spouse of someone stricken with an illness or injury and who needs to apply for Social Security Disability (SSD) benefits in North Carolina? Most online resources focus on what applicants need to do to ensure approval during the application process. But often it’s the caregivers who do the lion’s share […]

Halloween Safety Tips

Urban legends about poisoned sweets or sharp objects inserted into candy and distributed to children by malicious strangers are just that: urban legend. Still, there’s nothing wrong with a precautionary check of any goodies kids bring home after a night out trick-or-treating. However, there are real dangers afoot during All Hallows Eve, and they’re not […]

What to Do After a Car Accident If You Don’t Have Insurance

If you drive without car insurance and suffer an accident, what happens next will depend on where you live. Most states have different coverage requirements and exercise different insurance laws. In North Carolina, for example, all drivers are required to have liability and uninsured motorist coverage. Liability coverage must equal a minimum of $30,000 for […]

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