Choosing an insurance policy for your car can be a complicated process. Given the wide range of choices, finding the right policy can prove to be daunting. For this reason, having an agent to help you make the right choice can make the process much easier. But while looking for an agent, you will be confronted with the problem of deciding between a corporate or independent car insurance broker. Given its wide range of benefits, an independent car insurance agent can be an excellent choice.
According to the website of Insure on the Spot, an independent car insurance broker offers several benefits compare to the corporate agents. Here are some of the benefits of working with independent agents:
- More choices. With a corporate car insurance agent, you will be tied with just the product they are marketing. With an independent broker, on the other hand, you can choose from the different insurance providers that the agent carries. This way, they can offer you more alternatives that will suit your needs or requirements.
- They are industry experts. Independent brokers are well-informed about insurance industry so they can make you understand its complexities using layman’s terms. They have the knowledge to match their offerings with your insurance needs.
- They can provide savings. By offering you with plenty of options, you will be able to find the insurance policy that is right for your budget thus ensuring that you can get huge savings on your policy. If you are planning to make a claim, independent insurance brokers can help facilitate the process. They will ensure that you get a favorable result on your claim.
- They deliver personalized service. Since an independent insurance agent is not tied with any company, you can be sure of getting personalized service on their end.
Getting the right insurance policy is essential in providing you with the needed protection in case of a car accident. With the help of an independent insurance agent, you can be sure of finding the right coverage for your insurance requirements.
A lot of people feel like they don’t want to pursue legal action at all because they don’t want to have to go to trial. Little do they know that not every legal case has to end up in court as, sometimes, two parties can reach to a settlement without having to go to court. All it takes is the right kind of negotiations with legal aid at your side.
If you have suffered from an accident such as an automobile accident, it is best not to panic. Understand that there is no shame in seeking help from those more experienced than you. Some insurance companies will even advise you not to contact an automobile wreck attorney and promise all sorts of things like quicker processing and less complications and such. However, they’re doing this to protect themselves from living up to their obligations. Essentially, they’re trying to cheat you on the rightful compensation that you so deserve.
For example, it is commonly overlooked for plaintiffs to demand only compensation for the damages to the vehicle as well as the medical expenses. These, in theory, could be easy to settle – especially if the fault is clearly identifiable. However, there are some variables such as loss of wages as well as emotional trauma that may need to be taken into consideration. Not to mention the fact that, of course, that certain subsets of personal injury can change in terms of scope of limitations from state to state. A small factor could mean the world to a case in California while it may be an altogether different case in New Jersey or Maryland.
Even though there are thousands of automobile accidents that happen every day – there is not a single case that is exactly the same as another.
Severe injuries that result in amputation can be both traumatic and life-changing, leading to others suffering from financial troubles, emotional distress, and even psychological stress. Anyone who has suffered from an amputation in any part of their body part can attest that the injury affects not only them but also the people that they love. Their quality of life has been changed and adjustments should be made to deal with the loss.
There are generally two causes of amputations: surgery and accidents. Regardless of the cause, the impact of the injury means long-term rehabilitation treatments, prosthetics, and adapting to their new circumstances. A lot of people who have gone through and injury that ended in amputation had to come into terms with their new situation and rebuild their life. Fortunately, those who had the injury because of another person or party’s fault can claim compensation for their damages.
There are two ways that a person can have an amputation: through surgery or accident. Surgical amputation is often done in life-threatening situation and as a last resort to prevent further risk to their patient. Accidents can cause an impromptu amputation due to trauma. According to the website of the Cazayoux Ewing Law Firm, examples are road accidents and workplace accidents. In such events, identifying whether the damage was directly caused by recklessness or negligence or not is critical. If there is evidence that the other party was negligent and that directly caused the injuries, then a personal injury claim can be filed and compensation can be awarded.
Amputations can have a great impact to both the patient and their family. Physical, mental, and financial distress can accompany their emotional turmoil following their injury. This is why it is important that compensation is awarded to help cover for the cost of long-term treatment and rehabilitation, medication, and other expenses that may be necessary to rebuild and readjust to the new life.
Rape is a serious crime that should never be taken lightly. Bouncing back from the pain and trauma caused by such an event can be very difficult for victims. The process becomes even harder considering that plenty of offenders are held accountable for the suffering they have caused. The Rape, Abuse, and Incest National Network (RAINN) estimates that there are about 293,000 victims of sexual assault in America every year. Unfortunately, around 68 percent of these cases go unreported to the police.
In most situations, victims prefer to keep quiet about their assault in fear that they will be the one blamed for what had happened to them. A report published by USA Today goes into further detail regarding this pattern. As pointed out by Amber Stevenson of the Nashville Sexual Assault Center, victims are often shamed by their communities for any behavior that they perceive as having contributed to why the abuse has occurred. Stevenson calls this “victim-blaming” and it usually takes form in statements like “she was asking for it” or “she didn’t fight back, she must have wanted it”. Victims are also wary that lack of physical evidence in certain assault situations make for a weaker case when approaching law enforcement and leave them open to more scrutiny.
As a result, rape victims will need a strong advocate that can pursue justice on their behalf. This is where proper legal representation comes in. According to the website of McCutchen & Sexton – The Law Firm working with an experienced lawyer to handle rape and other sexual abuse cases can help victims hold their attackers accountable through the right legal channels. When this happens, victims can also begin their healing process without having to worry about the possibility that they might encounter the offender in the future. With the help of a sympathetic and qualified attorney, victims of sexual assault might be able to find the closure they need to move on from such a traumatic situation.
Owning a great amount of possessions can call for a large space, but if your home has limited capacity, you might consider getting a storage unit. If you are thinking of storing your items for a long amount of time, then you might need to get a climate-controlled storage unit. These are storage units that control the temperature and humidity of the unit in order to limit any damage to the stored items. These types of storage spaces are conditions to be warmer during the winter and cooler during the summer seasons to protect any valuables from the extreme changes or swings in humidity and temperature. They are also a convenient option for tenants who frequently visit their storage space.
Climate-controlled storage spaces are becoming more and more common because of their comfort. About three-fourths of storage facilities around the United States already offer this type of storage units, and more are following suit.
The increase in the demand for climate-controlled storage spaces can be due to their many advantages. The main advantage is that these types of storage spaces reduce the risks of temperature- or humidity-sensitive items, which can be pretty much anything – from wood, leather, plastics, paper, and many others. Because some important and valuable items in the storage unit are sensitive, they need to be put in a place that will limit the damage and preserve their value. Though they cost a little more, protecting your possessions is a worthy investment.
Despite the rise in popularity and demand, not everyone may need to have climate-controlled storage units. Traditional garage-door type storage units that don’t have climate-controlled features are still a good option for those who need storage space for a small amount of time. Because climate-controlled storage units require additional costs, those who simply need a clean and secure space to store their items may better saving money choosing regular storage units. It all simply depends on the items that you will be storing and their value. You can read more on this mini storage website to understand if getting a regular storage unit or a climate-controlled one is the best option for you.
Concussion is a serious concern for anyone, especially in sports; so much so that California legislators thought it was a good idea to pass a law about it.
Most people consider concussion as not such a big deal, but it is in fact an injury to the brain. True, some concussions are mild and patients eventually recover enough to go back to their normal activities, but any injury to the brain is always worrisome. Very little is known about the brain even in this day and age, and to say with any certainty that an injury to the brain today will not have an effect several years down the road is being cocky, to say the least. As pointed out on the website of West Seegmiller, such injuries can have life-changing consequences.
Concussion is unfortunately a common occurrence in contact sports such as football. To limit the damage at least to the young, California Governor Jerry Brown signed a law that would take effect in 2015 that regulates full-contact practice in middle- and high-school football to 90 minute sessions for a maximum of twice a week in the off-season. Any player who suffers a head injury is compelled to retire from practice until thoroughly examined and given the green light by a licensed health professional. It is not a significant protection for these literally young minds, but it’s a start. Reports of concussion among high school football players had been on the rise.
But that doesn’t address the issue of concussion in college and pro football players, and who is liable for it the player sustains serious injury. About 36% of college football players suffer multiple concussive events, and many continue to play despite the injury.
If a third party neglects to pull a player from the field for a suspected concussion and the player sustains serious traumatic brain injury, that individual may be held responsible. Consult with a personal injury lawyer in your state for assistance in this matter.
Because of their size and height, it may not have the same stability as other smaller cars. Their designs have made them at a greater risk of rollover accidents, and these accidents often cause devastating injuries, property damage or even death. SUVs and light trucks have lower ability to maneuver around sharp corners or curves, and can easily tip over on uneven surfaces. This risk is even bigger when heavy cargo or passengers are packed inside the vehicle, which further decreases its stability.
SUV rollover accidents can be classified to two types: tripped or un-tripped. Poor steering on corners or curves while traveling at high speeds often result to SUV rollovers, usually when the tires hit the curb, dig into soils that are too soft, hit a guardrail, slide across a rough road surfaces, or bump to a snow bank. There are many other ways that an SUV can result to a tripped rollover accident, and tripping cover for 95 percent of SUV rollover accidents. On the other hand, un-tripped rollover accidents are often the result of the driver swerving to avoid hitting or colliding with another object while at high speeds. Speed, therefore, it a big factor in rollover accidents, as well as alcohol consumption.
Driving on an SUV at speeds higher than 55 miles per hours can lead to a fatal rollover accident. Aside from speed and alcohol, distraction is another factor that contributes to SUV rollovers and is a big cause for fatal single-vehicle rollovers. More or less 15 percent of rollover accidents involved collision with another vehicle, and a side collision often results to rollovers. There are many factors that can affect an insurance or injury claim after an SUV rollover accident. Information on car insurance points out that the at-fault driver’s insurance company should pay for the victim’s injuries.
For a lot of people, the smell of baby powder brings back a flood of lovely memories of a time when everything was much simpler and life was grand. As it turns out baby powder, which is typically made of talc, may be the cause of health problems in later life.
Talcum powder is derived from hydrous magnesium silicate (Mg3H2(SiO3)4) which is the softest known mineral in the world. It is highly commonly in all parts of the world and used extensively in many industries such as making paper and plastic, and may be an ingredient in many common household products such rubber, paint, even food i.e. anti-caking agent in table salt.
Cosmetic grade talc is used to make talcum powder by crushing, drying, and milling it before being mixed with cosmetics or used as a loose powder to keep baby’s (and mom’s) nether regions dry and sweet-smelling. There has long been suspicion, hitherto unproven, that talcum powder use may be linked to some diseases, namely ovarian cancer, lung cancer, and pulmonary problems.
One of the issues that have come up regarding the safety of talcum powder is that talc deposits are usually found in proximity to asbestos ore. It is thought that in the mining and processing of talc, it may be contaminated with asbestos fibers, exposure to which could lead to lung cancer. However, no studies have yet found any trace of asbestos in commercial talc.
However, as suggested by talcum powder lawsuit lawyers at Williams Kherkher, there is evidence that talc particles itself may be the culprit. Cancer tissue from some women with ovarian cancer revealed the presence of talc, suggesting that the insolubility of the mineral inside the body could trigger a carcinogenic response. One study estimated that talc particles can stay in the lungs for as long as 8 years before it is dissolved.
The latest meta-analysis indicates a link between regularly using talc powder in the genital area by women and ovarian cancer. It is thought that talc particles travel up the woman’s genital tract into the body and irritates the tissue, causing an inflammation that can encourage cancer growth.
You’d be surprised how cars are manufactured today – equipped with all the safety features to help you avoid crashes, and even if a crash becomes unavoidable, the car’s build will save you from being crushed inside or its enhanced strapping and cushioning features will make the impact less forceful.
The Insurance Institute for Highway Safety (IIHS) has conducted a series of tests to determine just how safe cars are for passengers, other motorists, pedestrians, motorcycle riders, and bikers on the road. These tests include:
- Crashworthiness: cars will undergo performance tests to determine the strength and quality of roofs, head restraints, sides, small overlap fronts, and moderate overlap front
- Front crash prevention: this involves evaluation of the forward collision warning system and automatic braking in SUVs and cars
- Booster seat: this test is intended to determine how efficient and effective safety belts are, especially for children
These features, with the electronic stability control (which ensures drivers better control, especially of SUVs, to avoid rollover) and side airbags, are enhancements that the National Highway Traffic Safety Administration (NHTSA) mandated years ago. So, if you’re planning on buying your own car, never decide solely on how elegant it looks; make sure you evaluate its safety features as well.
Disabilities can pose many different problems for adults trying to support their families. In addition to complicating the ability to work, disabilities can also cost an incredible amount of money. The Social Security Administration is a government agency that provides financial benefits to citizens who qualify for the program. Social Security Disability Insurance (SSDI) applies to people who meet the Social Security Administration’s definition of “disability” and have completed the appropriate amount of work requirements. Because disabilities cost the family, in addition to the primary beneficiary, SSDI can cover certain dependent family members. People living in larger, more expensive, cities like San Antonio might be entitled to more money than people with smaller expenses.
According to the website of the Chris Mayo Law Firm, legal counsel can help applicants as they try to file or appeal SSDI claims. Sometimes, the Social Security Administration denies applications the first time around, in this case a lawyer would be a necessary asset. A lawyer can help candidates apply, file, and appeal SSDI claims. A lawyer can also represent an injured person as they seek to qualify under the Social Security’s specific definition of disability (a medical condition that is expected to last at least one year or result in death).
People applying for SSDI benefits must provide medical records verifying their conditions. The Social Security Administration must approve of the medical source that verifies the disability. When evaluating the patient’s eligibility for SSDI, medical history, clinical and laboratorial findings, diagnosis, previous treatments, and prognoses are considered. People covered by SSDI suffer from a range of medical conditions, from lost limbs, visual impairments, congenital heart disease, to autoimmune disorders. Likewise, psychological disorders are considered alongside with physical disabilities. If an applicant or beneficiary is caught faking a disability to receive SSDI payments they could face serious fraud charges.