The Need to Have Insurance Coverage Regardless of One’s Driving History

Posted by on Feb 19, 2016 in Insurance

Never mind what driving history you have, whether you have a clean record or a record marred with traffic violations; if you wish to continue enjoying driving privileges in the US, then you will have to carry auto liability insurance or risk getting caught uninsured, which may result to costly fines, suspension of license, more expensive insurance premiums or possible imprisonment.

Carrying auto liability insurance, also known as the financial responsibility law is a mandate in all US states. Compliance to this financial responsibility law can be done by: (i) purchasing car liability insurance coverage, as is the case in 48 US states; (ii) posting a bond or cash to show proof of financial capability in case of an at-fault accident, which is the case in New Hampshire, the only state where having car insurance is not mandated; or, (iii) paying a significant fee to the state to be able to register a car as uninsured, as is the case in the state of Virginia (the state actually allows this as an alternative to insurance coverage).

The first compulsory car insurance laws were passed around 1925, in the states of Massachusetts and Connecticut. The law was introduced based on the obvious signs that cars would crash, and injure people and damage properties in the process. It was made compulsory to help drivers, who are at fault in the accident, cover the costs of damages to victims and never default on making payments.

The type of car liability insurance coverage a driver should carry depends on which state he or she resides. This means that in tort states, the full tort liability insurance is required. Tort auto insurance is a system wherein a driver, who is at-fault in a car accident, is responsible for paying cost of medical treatment necessitated by his or her victim. Compensation also includes loss of wages, and pain and suffering. There are currently 38 states where tort auto insurance is required.

Twelve other states have the no-fault auto insurance. Unlike in tort states, where victims usually need to file a civil lawsuit against the at-fault driver, to determine the amount of compensation that needs to be paid by the at-fault driver’s insurance provider, the filing of a lawsuit is no longer necessary in no-fault states since compensation is to be paid the respective insurance providers of the drivers involved in the accident, regardless of whose fault the accident is. The twelve states where the no-fault insurance coverage is required are Utah, Pennsylvania, North Dakota, New York, New Jersey, Minnesota, Michigan, Massachusetts, Kentucky, Kansas, Hawaii and Florida.

Despite the law on carrying car insurance, thousands of drivers risk losing their driving privileges due to driving uninsured. The reason: the high cost of insurance premiums. In its website, Insure on the Spot, an independent car insurance company, informs drivers that there is a way of being insured without experiencing strain on their budget. With the help of independent car insurance companies, they can get quotes (even via online) for the best deals patterned on their specific needs, driving history and, of course, budget.

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Personal Injury Claims

Posted by on Sep 30, 2015 in Truck Accidents

In general, the main point in question regarding a car accident is deciding who is at fault. This leads to determining whether one motorist was negligent. Proving fault in an accident would be vital in winning a personal injury claim. In majority of car accidents, it is obvious to see who acted carelessly or recklessly, yet according to the website of the Seegmiller Law Firm complications such as concluding which traffic laws or rules were violated can make the case difficult. This is the reason why evidence proves vital and can become official supporting documents to strengthen the claim in court.

One of the most important documents to be presented to either the court or an insurance company is the police report. Police reports often provide information on the other driver’s negligence and can even give a citation regarding their reckless driving behavior, but sometimes the type of violation may not be written on the accident report. Nevertheless, this proves that the accident was serious enough for the police to investigate and write about.

Next is the other driver’s violation of the State traffic laws as written on the “Vehicle Code” or “The Rules of the Road.” Since each state can have their own set of traffic laws or rules, you can visit the website, go to the library, or ask the state’s department of motor vehicles about specific laws or rules that may apply to your case. If there is one, it is vital to copy the exact wording and the statute number for faster and easier referral to make the negotiation smoother.

Lastly, there are certain types of accidents that make the other driver 99 percent liable. Rear-end collisions and left-turn accidents are just among such specific accidents that immediately make the other driver liable for the injuries from the accident. This is because it easily proves the other driver’s reckless or negligent driving. There are exceptions to such cases, which are often rare and hard to prove. This is why it is important to have other vital evidence such as police reports, medical records, and eyewitness reports to prove the other driver was at-fault.

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What Can I Do if I’ve Been Charged with Tax Fraud?

Posted by on Sep 3, 2015 in Taxes

To commit fraudulence against the Internal Revenue Service (IRS) is a federal offense that could mean more than just jail time and a hefty fine to the United States government. A criminal conviction on this scale could be catastrophic for the availability of opportunities in any circle – educational, professional, and even social. Even the allegation can be enough to hurt your reputation.

So what can you do if the IRS has placed a case of tax fraud against you? Well, the most recommended course of action is to contact a professional white collar criminal defense attorney as soon as possible; it must become your first priority to be represented by someone who is experienced in the field so that your moves and case can be proceeded in an informed, careful manner. You never know when something you say or do could incriminate you without meaning to.

If you have been charged with tax fraud or tax evasion, there is every chance that you have already been monitored for quite a while, according to the information stated on the website of the lawyers with Cazayoux Ewing Law Firm. Some are even audited in their place of business in order to check previous account entries in order to be certain of how much was evaded or fraudulently documented (i.e. personal expenses claimed as business expenses).

This can be a difficult, stressful time and it is important that the law is utilized in such a way that it upholds both sides of the argument with objective equality, without malicious influence or prejudice that may be present. Legal proceedings such as this are undoubtedly complicated, which is why legal help should be sought as early on as possible.

Every little thing can matter – this is no time for rookie mistakes as tax fraud is a very serious felony.

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Workers’ Compensation / Workplace Accidents

Posted by on Jul 5, 2015 in Workers' Compensation

Accidents can happen at absolutely any time, as they are exclusively a matter of chance. The damages can be minor or major, and can often happen to workers on the job. And although accidents can happen anywhere at anytime, some occupations or work environments can be more dangerous than others, and lead to injuries and illnesses more easily than others simply because of occupational hazards.

Last year, one out of every five deaths on the job were in the construction industry. The United States Department of Labor’s Occupational Safety and Health Administration even recognizes the “Fatal Four” in the construction business: the four most common fatal workplace accidents. The “Fatal Four” includes falls on the job site, employees being struck by falling objects, electrocutions and employees becoming caught in between objects on the job site.

Although not all workplace injuries are fatally serious, they still have very real effects on workers. Many accidents are caused every year by negligence on both the part of the employer and employee.

According to the website of Scudder & Hedrick, PLLC, poor housekeeping on the job site can lead to falls, slips and all around hazardous conditions for employees. Neglecting safety procedures puts everyone on the job site in danger. Overexertion injuries result from extreme physical activity such as lifting or carrying heavy objects. Even overconfidence on the job site, as a result of repetitiveness on the job, can lead to injuries.

There are a number of different ways to prevent these injuries, however, accidents do happen, and employees can often receive workers compensation. Employees injured on the job may be entitled to workers comp, which is designed to protect workers from job-related ailments, so they can recover from their accidents.

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Truck Accidents

Posted by on Jul 4, 2015 in Truck Accidents

From the time we are taught to drive, drivers are cautioned to always watch out for large trucks and semis. They have stereotypically bad driving habits, and are prone to swerves, erratic driving behaviors and even cause crashes. According to a the website of Ravid & Assoc, any accident with vehicles this large can be much more dangerous than accidents with other types of passenger cars. Thankfully, there are many different defensive driving tactics passenger vehicle drivers can employ to help protect themselves from accidents involving trucks.

Passenger vehicle drivers can employ a number of different strategies to make themselves safer around trucks. Drivers should always try to not cut off trucks. Although the urge is understandable, due to the slow speed at which trucks drive, it is a very unsafe driving tactic. Trucks have less visibility than cars, and have longer braking distances. In addition, never brake abruptly.

In addition, it is wise to always be aware of the difficulties involved in driving a large truck, by being cognizant of what the driver is facing, you can better protect yourself and make yourself less of a hazard to the driver. Trucks are known to swerve around on roads because they are prone to tire blowouts and can be blown about easily from wind. Texas truck accident attorneys sometimes encourage drivers to be aware of blind spots truck drivers are have. Passing only on the left side of trucks can help protect passenger car drivers, as the right side of trucks are full of blind spots. Also, drivers can protect themselves by proceeding with caution when trucks are making turns, as trucks make very wide turns because of their size.

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Types of Roofs

Posted by on Jul 3, 2015 in Roofing

Roofs are the very first defense homes have against the elements. They shield our families from all types of weather and catastrophes, keeping us safe, warm and dry year after year. However, weather can take a profound toll on roofs, making them vulnerable to damages.

Although all roofs serve the same function, they all survive wear and tear differently depending on your local weather conditions and climate. According to the website of the Austin roofers at Black Slate Roofing, LLC, homeowners should familiarize themselves with weather patterns in their area and research materials that will survive those conditions for their roofs. Various elements like rain, snow, hail, heat and wind all have the potential to damage your home, depending on where you live.

Rain water can accumulate under shingles and lead to a collection of moisture that can eventually damage the inside of your house and create mold and rot wood.

Snow can be a major threat to the structural integrity of homes and buildings in cold areas prone to lots of snowfall. When it accumulates on roofs, snow can add pressure to the structure.

Hail size has a big factor in how damaged your roof becomes in a storm, but the type of shingles on your roof also may or may not better protect your home from damage.

Faulty roofs can be particularly susceptible to heat, allowing it to absorb into homes and increase energy costs. Insulation, shade, and color of the roof can all contribute to this.

Obvious threats like tornadoes, hurricanes and severe thunderstorms can take a toll on the life of your roof, but everyday wind can also cause damage to your roof over time.

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Prompt Pay in Texas

Posted by on Jul 2, 2015 in Prompt Pay

In 2003, Texas passed legislation to help doctors receive compensation from insurance companies in a timely manner to help them continue with their day-to-day business practices. Qualifying medical care providers may be eligible to file claims against insurance companies who have denied them timely payments. According to a the website of Williams Kherkher, medical practices which are not compensated by insurance agencies are, in fact, entitled to fair compensation through a legal suit, thanks to the Texas Prompt Pay Act.

Why would doctors file a claim?

After a doctor performs a service for their patient, the patient pays by providing their insurance information. Doctors then file claims with the insurance provider for compensation for their services. In a perfect world, the repayment is provided by insurance companies in a timely manner (within 45 days of a non-electronic submission of a claim, within 30 days of an electronic submission). However, this is not always the case.

There are some provisions that medical practices must meet tin order to be eligible to recover funds. There must be an existing contract between the doctor and insurance provider. Only insurance plans such as health maintenance organizations, or HMOs and preferred provider organizations, or PPOs, are obligated to repay doctors fully under the Texas Prompt Pay Act, or face litigation. Medicare, Medicaid, government, school plans and the like are not held liable under the act.

Although the Texas Prompt Pay Act is designed to protect medical practices, it is quite common to hire a lawyer to oversee the process of recovering payment from insurance companies.

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Nursing Home Abuse / Mistreatment

Posted by on Jul 1, 2015 in Nursing Home

As the American population of baby-boomers steadily ages, the reality of placing loved ones in nursing homes or assisted care facilities is becoming more prevalent for many families. However, as more elders are left to the trust of nursing homes, the instances of nursing home neglect or abuse are rising, as well.

The National Center on Elder Abuse defines elder neglect as intentional actions causing harm or creating risk of harm to a vulnerable elder by caregiver or other person of trust. Instances of elder neglect can be common in nursing homes, especially where a multitude of residents are dependent upon the caregivers who work there and must attend to all residents. The large population of residents compared to the few caregivers employed leaves the elderly vulnerable, in addition to the various medical conditions that ultimately land people in nursing homes.

According to the website of the Goings Law Firm, LLC, nursing home neglect can take many different forms, including malnutrition, bed sores, physical, sexual and psychological abuse, and even theft.

Aside from the obvious physical effects of nursing home neglect, other impacts take a toll on the health of elders. Elder abuse has been linked to higher risk of death, feelings of lower self-efficacy and self-sufficiency, and substantial financial costs for their families, and unfortunately, cases of neglect and abuse often go overlooked.

Although the circumstances are unfortunate, many families do get justice for their loved ones through lawsuits, and according to a 2012 report, 1 in 3 nursing homes had been cited for violations of federal standards. As discussed on the website of Habush Habush & Rottier S.C. ®, Whether or not the harm is intentional, abused elders and their families may have grounds for a lawsuit against the facility at fault.

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Medical Malpractice and Medical Mistakes

Posted by on Jun 30, 2015 in Medical Malpractice

Medical malpractice and medical mistakes are unfortunately a grim reality, affecting many. Medical malpractice or mistakes can include anything from wrongful death to improper treatment.

Cerebral palsy can be a result of one of many possible medical mistakes that doctors can unfortunately make while in the delivery room. According to the website of Crowe & Mulvey, LLP, some cases of cerebral palsy can be preventable, and therefore the fault of the doctor at the birth of the child, when surgical or anesthesia errors occur, or misdiagnosis or delayed diagnosis take place.

Cerebral palsy is caused by damage to the developing brain or in early childhood. Medical malpractice can be to blame if the doctor makes mistakes such as leaving the baby in the birth canal too long, improperly uses tools, or fails to perform a necessary cesarean section.

Cerebral palsy manifests itself at a very young age in children, often resulting in stiff or weak muscles, poor coordination, and difficulties talking and swallowing. It is a non-progressive disorder, meaning it does not worsen once detected in children.

There is no definite cure for cerebral palsy, only support and therapy systems to help those that have cerebral palsy live a more comfortable life.

The website of Habush Habush & Rottier S.C. ® states that when medical malpractice or medical mistakes, such as cerebral palsy caused by a doctor’s negligence, occur, the responsible medical entity can be held liable for the consequences.

A local lawyer can often help families determine whether or not their child’s case of cerebral palsy was the result of medical malpractice, and can help them seek compensation.

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Dentistry Anxiety

Posted by on Jun 29, 2015 in Dental

A typical, routine trip to the dentist usually does not involve much intensive surgery or many invasive procedures. However, the little things around the office, such as the sights and sounds of a dental practice, can often, and understandably, cause anxiety in patients.

According to the website of Dr. Sid K. Steadman D.D.S., dental anxiety is very common and affects many nationwide. In fact, between 9 and 15 percent of Americans avoid seeing the dentist regularly because of fear and anxiety, according to the Colgate Oral and Dental Health Resource Center.

A quick search will reveal many different ways to cope with this anxiety, and alternatives to ensure the patient has a comfortable experience at the dentist.

Being vocal about anxiety and fears with your dentist in advance of procedures can help doctors adjust treatment to suit your needs.

Choosing a time to go to the dentist where you will not feel rushed can help by alleviating other stresses and will thereby help to relieve overall dental anxiety.

Wearing headphones can help drown out many sounds that are common in a dentist’s office to help you unwind and will serve as a distraction.

Sedation dentistry can also be a viable option for patients experiencing dental anxiety. Dental practices offer sedation dentistry services to meet the needs of their clients with dental anxiety, as well as to those who experience major discomfort at the dentist. Many local practices are now offering this service.

Sedation dentistry is used in many different cases ranging from invasive procedures to routine cleanings for those who experience discomfort at the dentist’s office. Different levels of sedation are also offered for different procedures, different patients and at different practices.

Contact your local dental practice to see what kind of sedation dentistry services they offer to suit your needs.

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