Dirty Tactics of Auto Liability Insurance Providers during Accidents

Sep 27, 2016 by

About 16.1 million cars and trucks were purchased in the U.S. in 2015. These add to the 253 million motor vehicles on roads and highways all across the U.S.

The continuous increase in the number of cars and truck on U.S. roads is a signification of a growing economy. This increase , however, also hints on the possibility that the number of automobile crashes remain to exceed five million every year – crashes that injure two million drivers, passengers and pedestrians, and kill more than 30,000.

Whenever a car accident occurs, cost of medical treatment, days off from work which result to loss of wages, and property damage are a victim’s immediate concerns. Good thing carrying auto liability insurance is a basic driving requirement in all U.S. states (with the exception of New Hampshire, where drivers can show financial responsibility through other ways).

The type of auto liability insurance a driver is supposed to carry depends on the liability system recognized in the state where he/she resides. In Florida, Michigan, New York, Hawaii, Kansas, Massachusetts, Minnesota, North Dakota and Utah, drivers are required to carry a no-fault liability car insurance policy (the states of New Jersey, Pennsylvania and Kentucky allow drivers to choose between no-fault insurance and fault or tort insurance coverage).

Under the no-fault system, compensation (to the driver and his/her passenger/s), which includes medical expenses, lost wages due to the injury, and funeral expenses (in the event of death) is paid by his/her own insurance provider rather than the at-fault driver’s (insurance provider). This takes away the need to file a claims lawsuit against the at-fault driver (which is the case under the fault or tort system), except in cases wherein damages exceed the insurance limit. The driver’s own insurance provider pays the compensation regardless of whose fault the accident was.

According to the Hankey Law Office, however, insurance companies are not always willing to pay out the benefits to which their policyholders are entitled. At other times, insurance firms make a lowball offer – something that a policy holder should never accept.

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What Types of Injuries Are Office Workers Susceptible To?

Jun 29, 2016 by

Just like employees injured performing physically demanding work in hazardous environments, employees injured in the office are entitled to fair compensation. Workers in office environments should not assume they are protected or immune to a possible injury.

The hazards in office environments are not as obvious as those encountered by workers who use machinery or heavy equipment. However, hazards do exist in the office. Some of the most common office injuries include repetitive strain injuries such as carpal tunnel syndrome, tendonitis, and bursitis. The Occupational Safety and Health Administration writes that work-related musculoskeletal disorders account for $15 billion in workers’ compensation costs.

Office workers are also highly susceptible to slip and fall accidents, lifting injuries, back injuries, and head and neck injuries. According to the Center for Disease Control, an office employee is 2 to 2.5 times more likely to suffer an injury from a fall than workers in other environments. Some of the main causes of falls include: using a chair instead of a step ladder to reach something, tripping over an object in a walkway, slipping on a wet floor, or poor lighting/visibility.

A majority of office injuries can be avoided through preventative measures. For example, slip and fall accidents can be avoided by reporting loose carpeting or flooring, keeping areas clear of electrical cords, and cleaning up spills immediately. Heavy lifting can cause neck, shoulder, and back injuries. To avoid such an injury, workers should lift by squatting and lifting the load with their legs, rather than their back, and hold the load close to their body. Workers can avoid repetitive strain injuries by adjusting chair, keyboard, and monitor positions and avoiding using excessive force when making repetitive motions such as typing. It is also important to stand and stretch every half hour to release tensions related to strain.

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Car Insurance / Car Accidents

Feb 15, 2016 by

About a dozen states in the US follow the no-fault law when it comes to car insurance. These states include the District of Columbia, New York, Michigan, Pennsylvania, New Jersey, Minnesota, Kentucky, Hawaii, Massachusetts, Florida, North Dakota, and Utah. This means that should you get into a car accident, your car insurance insurer will be the one to pay a portion or all of your medical expenses as well as lost earnings, whether or not you or another person caused the accident. It is still important, however to understand that each of these states have their own set of rules regarding the benefits that will be provided by the insurance company; some may provide complete compensation while other states may only require a limited amount.

In an event of a hit-and-run accident, it may be difficult to get compensation especially if the one at-fault left the scene of the accident. Evidence such as CCTV video evidence or witness reports or remembering the license plates are the key in getting the other party accountable for their negligent actions. Otherwise, no-fault states will require the injured party to file a claim against their car insurer. For states that do not follow the no-fault rule, the victim may have to file a, underinsured/uninsured motorist claim.

The main reason for a personal injury claim against a person who committed a hi0tand-run is to recover punitive damages. This type of damages is made to ensure that the defendant’s action will not be committed again, and can only be given when the court deems the defendant’s actions were intentional and reckless that resulted in harming the plaintiff, or that the defendants egregious acts lead to the plaintiff’s injuries and damages. This is because everyone is considered legally aware and responsible for their actions following an accident, and running away from the scene is deemed morally objectionable.

According to the website of Milwaukee, Wisconsin car accident attorneys, the dangers of road accidents are always present, which is why car insurance is very important. Regardless of whether you are a victim or the person who caused the accident, having car insurance will be the only way to protect yourself from damages that the accident may cause, and help you prevent possible license suspension or even revocation.

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Criminal Defense

Feb 14, 2016 by

Sex crimes cover many different types of offences, but generally comprises of any illegal or coerced conducts that are sexual in nature directed towards an unwilling person or individual. Each state has their own laws regarding sex crimes, with their own statute of limitations, set of penalties, and level or severity. Those who have been convicted of any type of sex crime will be listed as a “sex offender” and their names will be added on state and federal registries. As anyone who understands this, the implications of being listed on a sex offender registry can have a grave effect on you and other people’s lives.

In the state of Florida, the laws regarding sex crimes (along with the state’s criminal laws) have taken a lot of attention through the past years. Florida laws are divided into two general groups: misdemeanors and felonies. Serious crimes are considered felonies and have the heaviest penalties. Just as with any state, the laws regarding sex crimes have severe penalties and can put you in danger of being imprisoned for life or given the death penalty according to the severity of the crime.

Any Okaloosa County criminal defense lawyer would tell you that because of the seriousness of sex crimes, any charges should not be taken lightly, especially if the charges are the type of sex crimes that involve people under the age of 17 years. Because of the stress that a criminal charge can cause you, hiring the right lawyer will help in providing you the necessary defense you need to ensure you will have a fair trial. There are different types of sex crimes, such as rape, indecent exposure, solicitation, sexual assault and prostitution.

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Personal Injury

Feb 13, 2016 by

Improper safety training in construction sites have accounted to a significant number of workplace injuries. In order to protect the workers from any unnecessary incidents or accidents, proper safety precautions, training and safety equipment should be provided by the company; failing to do so may make the company liable for any damages that the worker suffered due to workplace accidents. Many state laws require the construction companies to follow safety procedures and to provide training to their workers regarding safety plans and policies, and failing to do so may put them at risk of facing lawsuits from their workers.

There are generally three elements that each injured worker should provide in order to win a personal injury claim against their employer or company: (1) the duty to keep competent safety training, (2) the defendant disregarding their duty, and (3) the disregard of duty lead to harm on the worker. These three factors should all be present in every personal injury claim. Injuries tend to overwhelm many victims, so an experienced injury lawyer will be a valuable asset to a claim. It is crucial that you get a lawyer that you trust and rely on, because they will be the one who will gather information and evidence to present a strong case in court. Furthermore, a strong injury claim may help in getting the case settled out of court, which can cost less than going to court.

Because of different laws in each state, it can be difficult to determine whether there was a breach of duty of care from the side of the employer or company, but generally, the law states that the employer or company has the legal duty to assure that the worker is knowledgeable and able of performing the work safely. www.crowemulvey.com/practice-areas/personal-injury/ states that companies have the obligation of training and informing their workers of proper safety procedures before letting them begin their work in order to avoid accident. The company’s negligence that caused harm to the worker will make them liable for all damages that the injured worker suffered and may experience in the future.

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