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Newsletter – Summer 2015

Casey & Devoti
FEATURED NEWS
Casey & Devoti Cardinals Baseball Giveaway Winner

‘Baseball Heaven’ Promotional Giveaway — Winner!

Congratulations to the winner of our baseball ticket giveaway — Timothy Evans of Herculaneum, MO.

Tim and his family will enjoy four tickets to the Cardinals vs. Royals game on Saturday, June 13th. Plus they will enjoy a deluxe suite at Lumiere Place Hotel & Casino (with free parking and shuttle to the game). This prize package is worth more than $400! Congratulations Tim and bring home a winner.

Over 1,500 Area Students Touched By ‘End Distracted Driving’ Presentations This Spring

Matthew J. Devoti

As part of our continuing commitment to community service and safety, Casey & Devoti has partnered with the Injury Board’s 60 For Safety program EndDD.org (End Distracted Driving).

The firm set a goal to deliver four presentations in the spring, since that is the time of year when students are gearing up for prom, graduation parties and summer break.
The response to this important safety initiative was outstanding. Throughout the months of March and April, Matt and Matt delivered the presentation to more than 1,500 area high school students:

Matthew C. Casey

  • St. Mary’s High School (300 students) — St. Louis, MO
  • John F. Kennedy High School (315 students) — Ballwin, MO
  • St. John Vianney High School (sophomore class 150 students) — St. Louis, MO
  • Ste. Genevieve High School (750 students) — Ste. Genevieve, MO

These educational, informative and inspiring talks present the sobering statistics of our current safety crisis, share true stories of the costs of distracted driving, and offer simple steps that drivers can use immediately to help themselves and others around them to end distracted driving.

Book an EndDD Presentation for Spring 2016

We are currently booking presentations for spring 2016. The presentations are perfect for any size group and can be tailored to fit a specific time frame. A sampling of groups that would benefit from the presentations include, but are not limited to:

  • Entire high school student bodies, selected grades, driver’s education classes, high school sports teams, high school activity clubs
  • Church youth groups or other community youth groups
  • Boy Scout & Girl Scout troops
  • Business networking groups
  • Professional associations
  • Parent-teacher organizations
  • Church groups

EndDD.org

EndDD.org was established to raise awareness and generate action against the epidemic of distracted driving. It was created by the parents of Casey Feldman, Joel Feldman and Dianne Anderson, after the death of their daughter, Casey Feldman in 2009. Casey Feldman was just 21 years old when she was hit and killed by a distracted driver.

Learn more about EndDD.org and view a preview of the powerful presentations, please visit enddd.org.

Do you know a group that would benefit from this powerful presentation?

Please contact Lara Vitiello at (314) 409-0996 or lmv@caseydevoti.com.

Trending Topics

Common Driving Distractions — Visual, Auditory, Manual and Cognitive

  • Texting
  • Talking on Cell Phone
  • Eating & Drinking
  • Paying Attention to Passengers
  • Personal Grooming
  • Using Navigation Systems
  • Adjusting Radio, CD or Other Music Players
  • Reading
  • Gawking
  • Thinking About Personal Problems

We all do it. Changing the radio station, taking a drink, eating on-the-go and steering with your knee, a quick glance at the phone. We think we have the ability to multi-task. We think we can do all of these things while driving.

But the fact is — we cannot. The brain processes information one task at a time. This lack of focus explains why cellphone use causes such an increase in crash risk. In fact, recent studies show that using a cell phone while driving — even with hands-free technology — is just as risky as driving while intoxicated. The risk factors responsible for this include:

Inattention Blindness — This has happened to everyone while driving. You are looking but not seeing. You get to your destination, but you have no recollection of actually driving there. This is because your attention was focused on something else besides driving — talking on the phone, thinking about a personal or work problem, etc.

Problems Maintaining Position in Traffic — Staying in your lane and maintaining a safe distance from the car in front of you becomes harder when your attention is diverted to another activity, like talking on the phone. When this happens, it makes it hard for you to react in time and causes other drivers to adopt a defensive driving tactics, which increase the risk for accidents.

Teaching good driving habits starts with you. Set a good example for kids and put down the drinks, program the GPS before you start driving, and turn your cell phone off or place it out of reach. Take the pledge to NOT DRIVE DISTACTED. Once you set the example, it will be easier to get your kids to adopt the same safe driving habits.

Casey & Devoti has an informative Distracted Driving Booklet, which highlights the dangers and offers helpful tips on safe driving. The booklet also has a Distracted Driving Agreement that you and your family can sign together. Email us for a free copy at info@caseydevoti.com.

Insuring Teen Drivers

Teen Driver

Every parent can relate to the uneasiness that comes when their teen is old enough to drive. For the teen, it’s usually an exciting rite of passage. For the parents, it’s a stomach churning tug-o-war with your emotions. You want your kids to mature and become independent, but at the same time you fear for their safety and for your wallet — as your insurance premiums skyrocket.

The insurance industry builds the pricing platform around statistics and risk. According to the CDC, teen drivers between the ages of 16 years old and 19 years old are three times more likely to crash than drivers 20 years old and older. Around the age of 25, insurance rates begin the level out because their accident risk starts to decrease.

To ease your tension just a bit, we’ve put together some important FAQ’s on insuring teen drivers.

My teen just got a permit, do I need to add them to my policy?

Missouri has a graduated license program. This allows a person age 15 to take a written test and drive under a restricted permit. The person is then required to log a certain number of hours behind the wheel (with a licensed driver) before they can take the additional testing and ‘graduate’ to a full license.

Missouri requires that all fully licensed drivers in a household be added to a vehicle policy. A permit driver is not fully licensed and, therefore, doesn’t need to be added to a policy while in this phase. Obviously, any vehicle you allow them to drive must have the required Missouri minimum coverage — which is $25,000/person and $50,000/accident for bodily injury and $10,000 for property damage.

If your teen were to have an accident as a permit holder, they would be covered under your vehicles policy assuming the policy is in force, the premiums are paid, and they had your permission to drive. The only time this may be an issue with an insurance company is when you conceal a fully licensed driver living in the household or a regular operator from them. If they find this to be true, they can deny claims under a concealment clause.

When my child is fully licensed, do they need their own policy or can they be added to my vehicle policy?

Automobile insurance is specific to the automobile. The person who owns the vehicle must carry the insurance policy on the vehicle. Any fully licensed driver in your household who is a regular user of the vehicle must be added to the policy. It is much more expensive for a teenager to carry their own insurance policy. So, even if you buy a car for your teen — you will save money if you title the car in your name and purchase the insurance policy in your name; then add them to the policy as a regular user of the vehicle.

Do I have to keep my college student on my policy while they are away at school? What about when they are home for the summer?

This depends on your insurance company and is definitely worth investigating, as it could lower your rates significantly. Some companies will give you a resident student discount if your child goes to college and is living at least 100 miles away from your primary residence.

Other companies will only require the full coverage if a child is home for more than 30 days at a time. Again, check with your insurance provider.

What can my teen do to reduce their rates?

Responsibility is a key factor in calculating insurance rates, regardless of age. Teens, specifically, can improve their chances of finding cheap car insurance rates through the following:

1. Maintain good grades. Most car insurance companies offer a good student discount to students who maintain a certain grade point average (GPA). Statistically, good grades equal responsible driving and lower risk. The exact requirements and the amount of the discount depends on the insurance provider. Most companies require that the student:

  • Is under 25 years old.
  • Is enrolled in school full-time.
  • Has a GPA of at least 3.0.

2. Keep a clean driving record free of accidents and violations. Parents can promote safe driving by establishing rules for cell phones, passengers and car use. In fact, some usage-based programs allow parents to monitor their child’s driving habits.

3. Take an approved driver’s education course.

4. Drive an appropriate type of vehicle. The best vehicles for teen drivers are newer with larger bodies for enhanced safety features and improved crash protection. Steer clear of sports or performance cars and SUVs.

Latest News

Community Partner Spotlight: Saint Martha’s Hall

Saint Martha's Hall

Partner Matt Devoti has been a board member of Saint Martha’s Hall since 2012.

Saint Martha’s Hall is a not-for-profit agency, which provides a shelter care program for abused women and their children. Their mission is to help battered women and their children break the cycle of violence in their lives, by providing:

  • Immediate, confidential safe place for abused women and their children to live
  • A supportive environment with a strong emphasis on peer support
  • A self-help philosophy to enhance self-esteem and decision-making skills
  • A staffed 24-hour crisis line
  • Accurate information and referrals to abused women and their children and when appropriate to their abusers
  • Advocacy services
  • Individual crisis, group and family counseling
  • Follow-up support
  • Community education to increase public awareness and understanding of domestic violence

Strong emphasis is placed on peer support. Support groups with women in similar situations, facilitated by staff, encourage women to be aware of the dynamics of woman battering and their own worth, goals, options, and skills for being independent.

Saint Martha’s Hall provides services to women 18 years of age and older and their children regardless of religion, race, residency, disability, marital status, color, national origin, or ancestry. A standard stay in the shelter is 12 weeks and includes:

  • Three meals a day
  • Individual bedrooms
  • A living room, dining room, kitchen and playroom
  • Counseling rooms
  • Fenced backyard
  • Personal hygiene items
  • Emergency clothing
  • School supplies
  • Limited emergency transportation
  • Voice mail for residents to receive messages and a post office box to receive mail

In addition to providing the physical shelter, Saint Martha’s Hall also provides crisis intervention, support groups, individual support, advocacy programs, information and referral networks, and community education.

Saint Martha’s Hall is always looking for individuals to donate their money, time and talents. Monetary and in-kind donations provide necessary supplies to keep the shelter open. Volunteers can assist with childcare, transportation services, donation sorting, and various fundraising programs. Visit www.saintmarthas.org to learn how you can help women and children end the cycle of domestic violence.

Missouri Juror Appreciation Week

“I consider a trial by jury as the only anchor yet imagined by man by which a government can be held to the principles of its constitution.” – Thomas Jefferson

The Missouri Bar

Missouri’s 2015 Juror Appreciation Week was held April 27 – May 1, 2015. During that week, judges, lawyers and court clerks emphasized to jurors how important their contributions are to the courts, their communities and our judicial system. In 2014, more than 70,299 Missourians reported to jury duty in state courts.

Missouri is one of only a few states that hold a statewide Juror Appreciation Week, with more than 50 courts participating annually. The observance began in 2000 by order of the Supreme Court of Missouri. The order states, “Each year thousands of Missourians perform one of the most significant civic duties granted to citizens — they serve as fair and impartial jurors in communities throughout the state. To honor those citizens who have performed their civic duty, all Missouri courts are directed to observe Juror Appreciation Week.”

The Missouri Bar appreciates the thousands of Missourians who serve their duty as a juror each year. The Missouri Bar understands that jury duty can be inconvenient to our daily lives, but the right to a jury trial is fundamental to upholding our constitution and democracy. We thank all Missourians who do their part and report for jury duty.

Gateway Cystic Fibrosis Foundation’s 13th Annual Wine Opener

Cystic Fibrosis Foundation | The Wine Opener
Matt Devoti, Lauren Russo, Matt Casey and Becky Casey during the 2014 Wine Opener.

Casey & Devoti is sponsoring the Gateway Cystic Fibrosis Foundation’s 13th Annual Wine Opener on Friday, September 18, 2015.

Cystic Fibrosis Foundation | The Wine Opener

The Wine Opener is a casual and fun evening of wine tastings, benefiting the Cystic Fibrosis Foundation.

There will be 350 wine novices and experts alike expected to join in the fun of sampling over 40 different wines from Glazer’s Distributing, bidding on the silent and live auctions, and much more! For more information, please click here.

About Our Firm

City

For over 30 years, Casey & Devoti has diligently protected the rights of its clients with honesty and integrity. Our lawyers are dedicated to providing individuals and small companies with first-class, professional and aggressive legal representation. Our lawyers have extensive trial experience representing clients in matters such as, automobile, train and truck accidents, medical and legal malpractice, product and premises liability, elder and sexual abuse, workers’ compensation and wrongful death. Casey & Devoti proudly serves the greater St. Louis metropolitan area, southeastern Missouri and southern Illinois.

Learn more about Casey & Devoti and our rich history of aggressively protecting clients’ rights on our website or through our various social media pages:

www.caseydevoti.com
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To set up a free consultation, please call 314-421-0763 or send us an email.

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Our Contact Information
Have you been hurt by the negligence of another?Matt, Tom or Matt will be happy to meet with you for a free initial consultation. We are available to meet at our St. Louis County office, ‘by appointment’ in Ste. Genevieve, Mo. or at a location of your choice.

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