Posts by Angeline

Independent Car Insurance Company Responsibility

»Posted by on May 18, 2016 in Insurance | 0 comments

The kind of driving history you have will affect greatly your compliance with the Financial Responsibility law, the law that requires you to prove your capability to pay for damages due to accidents wherein you are at fault. Proving this capability may be done by showing that you are covered, that is, you have auto liability insurance, or by meeting any state-approved alternative to the mandated auto insurance coverage. While a clean driving record may save you from paying too costly car insurance premiums, a record that is marred with traffic violations, such as a DUI and/or, reckless driving, or worse, an accident wherein you are at fault, can very likely result to more expensive policies because insurance providers will see and tag you as a “high-risk” driver.

Getting identified as a “high-risk” driver, however, is not only based on past traffic violations. A car insurance provider can also identify you as such if you are below 25 years old (more so if you are below 20 since records from the National Highway Traffic Safety Association consistently show that teenagers are the ones most prone to accidents), driving a high-powered sports car or any type of car that is more prone to accidents, have high annual mileage, or have been required by the court to file an SR-22.

Except in the state of New Hampshire, where drivers are not mandated to carry car insurance coverage, or in Virginia, where drivers can have their vehicle registered as uninsured by paying the required uninsured motor vehicle fee to the state’s Department of Motor Vehicles (DMV), all other 48 states require drivers to carry auto liability insurance. Possible consequences of non-compliance with this requirement are suspension of your driving privileges, fines, higher cost of insurance premiums and a court order that will require you to file an SR-22. If you do cause an accident, then you may also face a civil lawsuit wherein you would be legally required to compensate your victim for all the economic and non-economic damages he or she will suffer from.

To help you and all other drivers and car owners find the best and cheapest car insurance coverage that will include all your insurance needs are independent car insurance companies which offer free online quotes from different providers. According to the website of Hankey Law Office, P.C., some will provide as many as a dozen quotes to help compare actual prices of policies and the types of coverages included in each policy. Besides car insurance, you can also ask for SR-22 quotes plus require them to make the filing and purchase on your behalf.

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The Aftermath of Dog Attacks

»Posted by on Dec 4, 2015 in Personal Injury | 0 comments

As said on the website of Habush Habush & Rottier SC, dog-bite cases are increasing in the United States. Every year, a large number of people are sent to the ER with severe injuries after being attacked by a stranger’s canine. A number of these individuals are left with awful injuries that could possess a life-long impact on their quality of life, and way too many sufferers are kids.

Monetary Approximations for Dog Bite

The monetary expense of dog bites in America is tremendous. Nevertheless, that might not even be close to the real medical costs for insurance agencies, because according to the American Medical Association, State Farm paid compensation on 11,000 dog bite cases for an overall total of 2 million in 1995. In line with the Centers for Disease Control and Prevention, dog bites account for about 164.9 million in direct medical costs every year. Commonly the dog-bite settlement is paid for from the dog owner’s homeowner’s insurance. Cost may be considerably lower the less serious the injury is. For personal victims of dog attacks, the average complete cost in doctor’s bills is around $26,166.

For victims of dog attacks, the toll could be more than monetary. When they suffer severe dog bites a lot of people must undergo rehabilitation and surgery. The mental cost of these trying encounters is often the hardest aspect of a dog-bite injury, and victims ought to have the right to compensation not just for their medical bills, but also for the additional pain and suffering due to their injuries.

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What’s So Different about SR22 Insurance?

»Posted by on Aug 18, 2015 in Insurance | 0 comments

Say that you’ve gotten yourself into a car wreck and now need SR22 insurance. Perhaps you’re thinking – I’m already insured, I don’t need another insurance plan! Or maybe you’re thinking that other people don’t have it then it isn’t all that necessary, is it?

Here’s some more information about the subject.

SR22 insurance, in the strictest definitions of the term, isn’t actually a kind of insurance anyway. It is more of a certification that the vehicle and driver in question is insured. It is a legal requirement, after all, for a car to be insured lest there be consequences if you so happen to find yourself in the wrong side of those laws. If you’ve never heard of it then odds are in your favor – that means you’ve never had to have it. However, there are many ways in which a person might be required to get SR22 insurance.

If you have been charged or were involved with driving under the influence of alcohol, then in all likelihood – SR22 insurance will be necessary. Sometimes, all it takes are a few infractions and violations that have built up and then you be required to get the SR22 insurance anyway.

This kind of insurance ensures that you are covered and is, essentially, something that tells the board that you will strive to obey traffic rules and regulations. The time period that this kind of documentation is necessary can go anywhere from around 2-5 years, depending on the offense that occurred and the insurance plan that you have covering you. Any such kind of infraction that occurs while your license is already attached to SR22 insurance could mean further disciplinary actions.

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When is a Landlord Responsible for Maintenance?

»Posted by on Apr 14, 2015 in Personal Injury | 0 comments

Although there are certain exceptions, the safety and maintenance of a property is shouldered by the landlord or property owner. They have the responsibility to adhere to rules and regulations put on building codes, city or state ordinances and statutes. If you ask a Tennessee personal injury lawyer, you will likely hear that generally, the landowner has the power and authority over their property, and thus can be held liable to any damages or injuries that may occur within their property.

There are certain states or cities that do not have definitive laws regarding mold infestation, but this does not necessarily rule out their responsibility of repairing and maintaining the safety of the property. All the states in the US (except Arkansas) require landlords to be responsible in keeping up a fit and livable housing and fixing any issues on their rental property. These responsibilities include (but are not limited to) repairing broken or leaking pipes, roofs, windows, known causes of molds. If you can prove in court and to the judge (or jury) that the mold infestation was significant enough to have caused health problems, you may be able to hold the property owner or landlord liable, especially if he did not take any action to fix the leaks which lead to the growth of the molds.

One of the ways that the landlord is free from any responsibility is when the mold growth results from your own behavior – if you failed in keeping your own apartment or area clean and created an environment conducive for the growth and spread of molds, then the landlord will not be held liable. A personal injury claim will only be accepted if the injury or damage was a direct cause of another person’s negligence or carelessness.

When trying to rent a property, make sure that clauses in the agreement will not remove their liability from mold infestations. In fact, one court in Tennessee has already banned this type of clause, stating that doing so would be a violation of public policy. The only way to avoid any damages and injury claims on bases of mold infestation is by having shared responsibility with your landlord: he or she has to ensure that the property is properly maintained, and you have to make sure you prevent any factor that can contribute to mold growth as well as to report any infestation or property issues in order for the landlord to take action.

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What is Zofran?

»Posted by on Feb 20, 2015 in Personal Injury | 0 comments

Zofran (ondansetron) is a powerful anti-emetic drug developed and manufactured by British company GlaxoSmithKline. The Food and Drug Administration (FDA) approved it in 1992 for the prevention of nausea and vomiting associated with cytotoxic treatment protocols such as radiation therapy and chemotherapy, as well as that associated after surgery.

It is important to control severe nausea and vomiting in patients because it can lead to dangerous levels of dehydration and electrolyte imbalance. There are some conditions where Zofran, which is a very powerful drug, is the only solution.

However, according to the website of Williams Kherkher, there are instances that Zofran can do more harm than good. Popular off-label uses for Zofran is for nausea and vomiting of pregnancy (NVP) and hyperemesis gravidarum, cyclic vomiting syndrome, and gastroenteritis. These are considered “off-label” because the FDA has not approved it for those conditions. In most cases, there are no unexpected and serious side effects, so everybody is happy. That is not true in pregnant women.

There is good reason to believe that Zofran can increase the risk of adverse fetal outcomes when prescribed to women during their first trimester. Earlier studies did not indicate this, but further research brings its safety into question.

The studies are far from conclusive, and in some cases flatly contradict each in the most ironic ways, but the fact remains that the risks are just not known. Considering the extent of harm that can be done to the developing fetus, it is recommended that pregnant women use alternative drugs to Zofran that have been proven safe for pregnant women. It is better to err on the side of caution when protecting the children from harm.

If you have first-hand knowledge about the dangers of Zofran, consider filing a lawsuit against the manufacturer. Consult with a personal injury lawyer specializing in Zofran in your area and discuss your case. This will help you clarify your legal options.

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