There are many types of insurance coverage for vehicles. Among the most common and often used by motorists are liability, medical, collision and comprehensive , and personal injury protection insurance coverages. Often, others also get uninsured and underinsured motorists coverage, as well as “no fault” coverage to help ensure that they will not have any financial troubles should an accident occur. There are even discounts that insurance providers offer if the home and vehicle is insured.
Insurance rates can differ depending on a number of factors. According to the website Insure on the Spot, insurance premiums can be higher for males aged 25 and young, and for females aged 21 and younger. The reason for this is because these age groups are often the ones that get into accidents, according to statistics. On the other hand, those over the age of 50 years are often offered discounts that they can easily avail. Likewise, those who have an accident-free record can have a lower insurance premiums, and special offers such as discounts when insuring two vehicles can be given by the insurance provider.
Other factors that can help lower your insurance premiums is having passive-restraint systems that can greatly help lower the chances of having serious injuries when in an accident or prevent theft or carnapping of your vehicle. People in your family can also affect the amount of insurance premiums you may pay. Often, insurance providers can be strict when there are teenaged children in the household. Lastly, having a DUI charge/conviction or any other criminal convictions can greatly increase the amount of insurance premiums.
The bottom line is, car insurance is a necessity when you own and driver any type of vehicle. The minimum requirement for insurance is often enough to cover for the property damages and physical injuries of your victim, and may not be enough for you r own damages. This is the reason why additional insurance coverage or getting over the minimum insurance coverage is highly advised and should be considered.Read More
First-time parents often have the fear and anxiety that comes with bringing a new life into the world. Nothing occupies a future parent’s mind quite like a worst case scenario does. Often, the fears are rare though there is precedence for that. Child-birth is difficult work. However, very few know what to do once the worst possible scenario actually comes such as, for example, if the newborn becomes afflicted with Erb’s palsy after child-birth?
First of all, before it gets complicated, what is Erb’s palsy?
An Erb’s palsy attorney would probably inform you that Erb’s palsy is a medical term for when the arm of a newborn is paralyzed. Sometimes, it resolves itself on its own, can be corrected through physical therapy, or require surgery.
More often than not, this is due to shoulder dystocia – a difficult situation which can occur during childbirth when after the head appears and the shoulders fail to follow regularly. If the person in charge of the delivery exerts too much force in attempting to extract the newborn from the mother, Erb’s palsy can be caused. If left untreated, the arm’s growth could slow down exponentially or even become stunted and otherwise inoperable due to the paralysis, thereby causing a disability since birth. This can be detrimental for the child in question both physically and emotionally.
Doctors need to be extremely careful during deliveries. Newborns are fragile beings and even slight overexertions can have dire results.Read More
Data from the Bureau of Labor Statistics’ Census of Fatal Occupational Injuries (CFOI) show electrocution as the fifth leading cause of work-related injuries and deaths in the United States; it also continuously puts workers at risk of sustaining severe injuries or even death. According to the website of the Seegmiller Law Firm, injuries resulting from electrocution accidents are serious, and often fatal.
The most common victims of occupational electrocution accidents are electricians, electrical helpers, utility workers, construction workers and those working in manufacturing sites. The highest death rates, though, come from the ranks of those whose work directly involves maintenance and repair of overhead power lines, to which workers accidentally come in contact with, and construction workers, among who 400 die every year due to accidental contact with high voltage wires (high voltage refers to voltage above 500. This high level of power can actually “arc” or jump up to a distance of an inch to several feet through the air (the higher the voltage, the farther the arc) and may electrocute a worker who happens to be near an electrically charged cable.
The effects of electrocution are always serious because instead of fending off electricity, the body becomes its conduit, thus allowing high voltage of electrical current to cause injuries, such as severe internal and/or external burns, muscle damage, spinal cord injuries, brain damage, heart attack, paralysis and death. Muscle damage can result to swelling of the limb which, in turn, can lead to “compartment syndrome” (compression of the arteries) wherein blood is prevented from reaching the (affected) limb.
Other effects of severe electrical shocks include:
- Intense Muscle Contractions – which can throw a person to the ground and cause bone fracture and dislocation of joints
- Fatal Heart Arrhythmia – a condition wherein the heart beats in an abnormal or irregular rhythm
- Brain and Nerve Injuries – which can cause short-term memory loss, difficulty sleeping, anxiety, personality changes, irritability, brain bleeds and seizures
- Injuries to Internal Organs – which are never visible unlike skin burns; these injuries, though, are definitely much more serious since these can burn tissues and affect how internal organs function
- Fall Accidents – which affects primarily those working on roofs, scaffolds, ladders and other heights. Falls is the leading cause of injuries and deaths in construction sites.
While it may be true that some electrocution accidents are due to a person’s own carelessness, many others are results of others’ negligence which cause unsuspecting victims injuries that are sometimes serious enough to alter their and their respective family’s lives.Read More
There are federal and state bankruptcy exemptions in order to protect debtors from losing integral assets that are essential to sustain their standard of living. In Chapter 7 and Chapter 13 bankruptcy, exemptions determine the property that a person can keep after declaring bankruptcy. The most common exemptions are houses and cars under a certain value. The exemptions may also include sentimentally valuable items such as wedding rings in order to not cause undue burden on the debtor.
Chapter 7 bankruptcy will most often liquidate non-exempt property in order to repay creditors. The bankruptcy trustee, or court-appointed representative responsible for repaying your debts, is not legally able to sell exempt property by federal or state government. For example, a state may require that vehicles worth less than $5,000 to be an exempt property.
Chapter 13 allows debtors to keep the majority of their property and reorganize their debt. This type of bankruptcy requires most if not all debt to be repaid. In contrast, Chapter 7 bankruptcy discharges some debt. However, the value of nonexempt property is the value that the courts will require the debtor to pay towards non-priority unsecured creditors. These could include credit card issuers and banks.
The federal and state bankruptcy exemptions often have different exempt property or requirements for bankruptcy. Some states require that the state system be implemented while other states let the individual claiming bankruptcy which system they prefer to use. Though, it is not legal to pick and choose which exemptions you would like to claim from both state and federal systems.
The website of lawyers with Gagnon, Peacock & Vereeke, P.C. explains many types of bankruptcies and the financial benefits to individuals and businesses it can provide. However, the process of filing for bankruptcy is complex and requires a thorough knowledge of financial planning. If you or someone you know is considering bankruptcy, speak with a bankruptcy attorney in your area to discuss your legal and financial situation to determine the most appropriate course or action.Read More
If you have been injured due to an accident that could have been prevented if it were not for the negligence of another party, you are liable to file for a personal injury lawsuit. Many people who have suffered injury are, of course, otherwise preoccupied. No one blames them as there is a lot of stress and work that immediately falls upon them, usually with burdens that they had never anticipated. Handling difficult paperwork and documents for lawsuits is the last thing on their minds. Little do they know that acquiring legal aid can solve all that heartache – and more.
Personal injury cases are often complicated and are hardly ever straightforward. Due to the broad nature of the umbrella term itself, there are several different subsets that fall under it such as premises liability, child injuries, medical malpractice, car accidents, et cetera. There are so many, in fact, that it can get difficult when it comes to the actual handling of the case due to how much more complex things can get, depending on the circumstance.
According to the website of Crowe & Mulvey LLP, lawyers who specialize in this branch of the law are then better equipped with resources in order to help the victims with their case, thereby allowing for them to be granted better compensation packages as well as on the best, expert help. Should there be medical procedures involved within the lawsuit itself, such is the case for medical malpractice or defective pharmaceuticals, the legal team must also be knowledgeable with the jargon used in this foreign industry in order to properly represent the case at hand. In a court of law, information is the only leverage that holds any weight at all. A team that knows what they’re doing is a team that can guarantee you due justice.
Allow yourself a break following a traumatizing accident that results in personal injury. If you or someone you know has been in an accident that has caused injury or even death, do not hesitate to contact a personal injury attorney.Read More
It is not commonly known that scientists have long since suspected that talc may be a contributing, if not causative, factor in some types of cancer, specifically lung, ovarian, and uterine. The first study to actually provide evidence that such a link may exist was published in 1971 (“Talc and carcinoma of the ovary and cervix” J Obstet Gynaecol Br Commonw. 1971; 78:266–272).
Before 1970, talcum powder did contain traces of asbestos because while it is now widely known how dangerous it is, back then it was just beginning to become public knowledge. After 1970, however, cosmetic grade talc had to be free of asbestos, so it was not the rotten apple in that particular bushel. Moreover, it was not asbestos fibers that were found in women who had ovarian cancer but talc particles.
Despite this finding, talcum powder manufacturers, particularly Johnson & Johnson (J&J), insisted that there was insufficient evidence linking talcum powder with ovarian cancer, and until last year this was the status quo. In the meantime, an estimated 40% of women continued to use talc as part of their regular regimen of personal feminine hygiene while more studies were conducted to gather more definitive evidence.
These studies indicate several risk factors for ovarian cancer. Aside from the more common ones such as family history, one in ten Caucasian women develop it, and women who have a gene called glutathione S-transferase M1 (GSTM1) but not glutathione S-transferase T1 (GSTT1) are thrice more likely to have ovarian cancer. One study way back in 1982 even suggests that 92% of women who use talc in that part of their bodies have an increased risk of developing ovarian cancer. The talcum powder lawsuit lawyers at Williams Kherkher cite estimates that as many as 10,000 women today may have the disease from just such a cause.
If you have been diagnosed with ovarian cancer and regularly use talcum powder in your genital areas, you may have an actionable case. Consult with a talcum powder lawyer in your area for advice.Read More
A recent study on the side effects of the Type 2 diabetes injectable medication Byetta manufactured by Amylin Pharmaceuticals, LLC now owned Bristol-Myers Squibb indicate that it may be more dangerous than previously believed. The study suggests that not only does it significantly increase the risk of patients of developing pancreatitis and pancreatic duct metaplasia leading to pancreatic cancer as well as kidney failure but also of thyroid cancer by as much as 400%. This represents the fourth warning issued by the Food and Drug Administration pertaining to Byetta, and more ammunition for those who have already suffered serious injury as a result of the twice-daily use of the drug.
These successive warnings coming from the scientific community since the drug was approved for use in 2005 has resulted in numerous personal injury lawsuits being against Byetta’s manufacturer. The projection for future claims against Byetta and similar incretin-based dangerous medications (such as Merck’s Januvia) is such they were consolidated into a special multi-district litigation (MDL) in California (MDL 2452) by the Judicial Panel on Multidistrict Litigation (In Re: Incretins Products Liability, Sales and Marketing Litigation). An MDL has its advantages for the plaintiffs because all the cases are heard by one judge making the process more efficient but all plaintiffs retain their own lawyers.
According to the website of Williams Kherkher, those who have been taking Byetta and have since developed any of the diseases mentioned are encouraged to retain a lawyer in their area with experience is handling cases against big pharmaceutical companies, preferably Byetta cases. Suing drug companies are usually difficult without the right legal representation as these companies often have whole law firms working to keep them out of trouble. If you are planning to make a claim against a drug company such as Merck or Amylin Pharmaceuticals, make sure that you get the right kind of lawyer or you will just be wasting your time and money.Read More
There is something happening in and to our planet and this has become obvious not only in the U.S., but also around the world. Extreme weather changes, heat waves, wild fires, storm surges, drought, floods, more frequent and stronger earthquakes, and rain and snow in much greater volumes; all these happening for the last 30 years due to global warming. The cause of it all? Us.
Deforestation and our dependence on fossil fuels, burning it to give us oil, natural gas, and coal – so many warnings were made in the past, but personal gains and profits were more tempting; now, we are reaping the fruits of our greed and cruelty to our planet.
By overloading the Earth’s atmosphere with carbon dioxide, heat has been trapped resulting to the steady rise of global temperatures. According to the National Oceanic and Atmospheric Administration (NOAA), the year 2012 witnessed incomparable destructive natural calamities, breaking all destructive weather records for the past 35 years.
Is there anything that can still be done? Yes, there is. All we need is to listen to what many scientists and experts have long been telling us: stop carbon pollution; turn to using clean, renewable energy; and, prepare well for natural disasters, whichever part of the globe you are in.
Isn’t it time for all nations to work together to fight disasters instead of fighting and inciting each other to violence? Haiti, the Philippines and many other third world countries have been beneficiaries of genuine and unselfish global concern and assistance – why not start with that spark of goodness . . . why not start with that spark of goodness . . . which can only come from a good heart?Read More
Martin Aircraft, a company based in New Zealand was authorized to conduct manned test flights for what is supposed to be first practical jetpacks in the world. The tests were conducted over unpopulated areas, where the pilots flew at least 20 feet above earth or 25 feet high over bodies of water.
Glenn Martin, who invented the aircraft, got the inspiration from television programs, such as “Thunderbirds,” as well as from sci-fi comics, where jetpacks have always been seen as advantageous and really cool equipment. He began working on his invention in his garage in Christchurch, New Zealand three decades ago. For the many years that followed, jetpacks have only continued to serve as sci-fi equipment that symbolized a seemingly unreachable reality – until now.
Working with Martin is a team composed of experts and engineers, while his jetpacks are manufactured using state-of-the-art materials; these jetpacks are also equipped with a very efficient propulsion system, to render personal flight safe and effective, plus various safety features, like a ballistic parachute.
Though the Martin jetpacks were originally conceived for leisure use, other markets, including firefighters, the police, the military, civil defense and government Search and Rescue personnel, have manifested strong demands for these.
From the prototype that was tested in 2011, which flew about 5,000ft above ground, there is now the new P12, a version that is sleeker and easier to maneuver. According to Martin Aircraft Chief Executive Peter Coker, the Martin jetpacks will be made available to first responders in 2014, and then in the leisure market, in 2015. Estimate cost for early models ranges between $100,000 and $150,000.Read More
Overtime pay refers to the compensation given to an employee that has rendered more working hours than the regular 40-hour per week in a whole work week. This compensation is required by state laws, and those who are eligible for overtime pay are considered nonexempt workers and sometimes some salaried employees. Because of many loopholes on how to classify whether a job or position is an exempt or nonexempt, there is now a large place for interpretation on how an employer will determine an exempt or nonexempt employee, and state laws may vary (although they are generally more favorable for employees than federal laws).
In order to understand if you are eligible for overtime pay, there are three things that can come into consideration: how much you are paid, the way you are paid, and the kind of work that you do. Here are guidelines commonly used to determine the eligibility of nonexempt employees for overtime pay:
- Employees that are in the non-management or “blue-collar” hourly salary that perform manual labor
- “White-collar” employees who are earning less than $455/week; or less than $ 910/biweekly; or less than $1, 971.66/month.
Particular jobs may be entirely excluded from coverage under the Fair Labor Standards Act (the one governing overtime pay). Some jobs that can be excluded are those that are through the statute itself, or those that are governed by some other specific federal labor law such as Railway Labor Act. Those who are covered by the overtime pay should be paid at a rate of 1 and ½ times their regular salary rate for each hour they work in excess of the regular 40-hour per work week.Read More