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...
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...
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...
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...
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...
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...
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 DeMayo Law Offices offer the below tips and information that can keep you and your family safe...
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...
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...
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...
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