Independent Car Insurance Agencies: Helping Drivers Obtain the Coverage They Need at a Price that Fits Their Budget

Regardless of a person’s driving history, if he or she wishes to continue driving on U.S. roads and highways, then one of the basic things that he or she should have is car liability insurance coverage.

Carrying car liability insurance coverage is one of the ways drivers can show proof of financial responsibility, another way is by complying with any of the means that has been approved by the state. Thus, in the state of New Hampshire, the only state where carrying auto liability insurance is not mandated, drivers can either carry an SR-22 filing or depositing securities or money with the state treasurer.

Financial responsibility is the law which requires drivers in the U.S. to demonstrate financial capability to pay for damages resulting from accidents wherein they are at fault. In states where demonstrating financial capability is made by being covered, drivers will need to carry the type of liability coverage recognized in their state.

Currently, 38 states recognize the “tort” or “fault” system, while the remaining 12 other states (these are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah) recognize the “no-fault” system.

Under the “tort” or “fault” system, the at fault driver’s insurance provider is responsible in compensating the accident victims. If the compensation does not fully cover the damages and losses suffered by the victim, then he or she can file a civil lawsuit against the at-fault driver. Compensation should cover cost of medical treatment, wages lost, and pain and suffering.

In the “no-fault” system, the drivers involved in accidents are paid by their own auto insurance providers regardless of who is at fault in the accident. Under this system, drivers are compensated much faster since a court hearing for the purpose of determining who is at fault in the accident is no longer necessary.

Despite the requirement on carrying liability insurance, studies show that more that 25 million drivers in the U.S. remain uninsured – for the simple reason that insurance policies are made too expensive, requiring drivers to pay much more than what they really should.

This is where the services of independent car insurance agencies become necessary. Because these companies do not have any affiliation with any insurance providers, these have the freedom to focus entirely on protecting the interests of drivers and car owners with their insurance needs.

According to the website of Second Gear Magazine, there are independent car insurance agencies that require only two minutes to get a customer covered. They also provides customers with:

  • As many as a dozen free online insurance quotes to help them find the best coverage for their given circumstance and at a price that fits their budget;
  • Multiple payment options;
  • A monthly payment that is as low as $35;
  • Bilingual customer service representatives who are available to answer their questions and help meet their needs whenever they call; and,
  • 24/7 roadside assistance.

Affordable, quick, easy and the most comfortable way of getting the best insurance policy. These are just some of the benefits one is assured of if he or she seeks assistance from an independent car insurance agency for all his or her insurance needs.

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Keep Your Baby Healthy – Be Aware of Birth Injuries

For an expectant mother and her spouse, nothing beats the joy and excitement of a newborn baby coming into their lives. But that excitement can suddenly turn into despair after getting an unpleasant news that their baby is not well. This can be a tragic moment for the parents. From the instance that the baby comes out and is injured, they should be given immediate attention or else the injury can become long term and non-recoverable.

According to the website of Karlin, Fleisher and Falkenberg, medical professionals play such a crucial role in the maintenance of the health of an expectant mother that the slightest error can result to a preventable congenital impairment for the baby. A study conducted by the Centers for Disease Control and Prevention (CDC) revealed that the number of birth injuries in the United States is increasing. The study focused on the delivery of babies during a 9-year interval from 2000-2009. For this period, birth complications grew to a staggering 75%. Recent birth injury statistics also revealed that approximately 6 out of every 1,000 births in the US yielded mild to severe birth inuries.

The rise in the number of birth injuries have been attributed to several factors. The health of the mother plays an important role in the health of the baby. If the mother is into smoking, drinking, or drugs during her pregnancy, chances are the baby is in danger of becoming unhealthy. Obesity also plays a crucial role in the pregnancy of the mother. Mothers who have kidney disease or diabetes are also likely to have unhealthy babies.

When babies incur birth injuries, it is usually due to the following factors:

  • Improper choice of delivery method
  • Delay in treating lack of oxygen, infection, and/or internal bleeding
  • Wrong dose or type of medication

Examples of Birth Injuries

Birth injuries are caused by medical malpractice or the inexperience of the medical team that handled the pregnancy. While they are not preventable, birth injuries can be prevented by a healthcare provider. Here are some examples of common birth injuries:

Brachial Plexus Injury

Brachial plexus injury or Erb’s palsy occurs in 1 out of 1,000 births. The condition takes place at the brachial plexus, a network of five nerve groups that runs from the tips of the fingers to the spinal cord and thoracic vertebrae. Brachial plexus injury is caused by the rupture of complete tearing of the nerve root from the spinal cord.

Cerebral Palsy

The incidence of cerebral palsy is caused by circumstances such as infant prematurity, trauma during labor or oxygen deprivation. Its most notable symptoms are impaired movement and motor function.

Spina Bifida

In this condition, the embryonic neural tube failed to seal itself prior to birth. This tube will become the spine and the brain of the baby. The abnormalities usually take place near the base of the spine.

For the treatment of birth injuries, the parents will have a vital role. They need to undergo emergency medical care to reduce the possibility of complications. They should also work with medical professionals in creating a long-term treatment plan.

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Is Medical Fraud Dangerous?

If the word “fraud” is connected to anything, it probably means that there is something not quite right about the situation at hand. After all, fraud does mean deception in order to unlawfully gain and, unfortunately, there are so many ways to fall victim to it – and some of them can even be deadly.

Have you ever been promised by a medical practitioner that a certain so-and-so medical procedure or product would be revolutionary and life changing only for it to fall short of everything it promised? That is a kind of fraudulence – medical fraud, if you will – and it is that kind of willful negligence that constitutes it as medical malpractice. If it has not been legally and medically approved, the consequences of partaking or consenting to an experimental and potentially fraudulent procedure or product can prove to be fatal.

Should a medically fraudulent procedure or product have caused injury towards a person: that is then grounds to file for legal action as personal injury. Personal injury is the legal terminology for situations regarding injuries (physical, mental, emotional, or any combination of the three) that have been caused by the negligent actions of someone else, whether the intent was negligent or not.

Medical malpractice is somewhat more complicated than the other branches due to the nature of cases like this. In order to properly represent something, the situation at hand must be handled by someone who is experienced and capable with not only the legal procedure but as well as comfortable with medical terminologies and situations.

That is why it is the most advisable course of action to seek the aid of a personal injury lawyer with experience in handling these types of cases specifically. They are more likely to know the right way to go about things as well as have a network of resources that may help you in your recovery from whatever injury you have sustained due to medical fraud.

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The Consequences of Dog Bites

For majority of the American population, dogs have become a beloved companion. More than any other pet, dogs are well-loved for their lovely dispositions and the sense of safety they foster among their owners. Unfortunately, this isn’t always true for most people. It’s been well-noted that attacks made by aggressive dogs can result in serious injury. As noted in the website, thousands of people suffer from injuries caused by dog bites every year in the United States.

Dogs can become dangerous once it turns to aggression. This usually happens whenever the dog feels scared or threatened. Such attacks can also occur with dogs that lack proper behavioral training. According to a report by the Centers for Disease Control and Prevention, there are certain breeds that are more predisposed to aggressive behavior. Some of the most dangerous dog breeds include Pit Bulls, Rottweilers, German Shepherds, Doberman Pinschers, and Chow Chows. These particular breeds can be especially powerful, causing injuries like lacerations, fractures, hemorrhaging, contusions, and nerve damage. Dog bites can also lead to bacterial and viral infections.

The devastating consequences of dog bites should be a cause for concern. The injuries that typically result from such an accident can leave a victim in serious pain. In some cases, dog bites victims can be left temporarily disabled, experiencing significant limitations in their mobility. The gravity of these consequences shows that preventing dog bites is of crucial importance.

There are several localities that have started to implement policies that can help on this regard. A specific policy involves requiring that dogs must be leashed whenever out in public areas. Such a regulation emphasizes the role of pet owners in ensuring that their dogs are properly trained and safely constrained to prevent any unwanted incident. It goes to show that the accountability for accidents involving dog attacks rest on the people who are meant to be responsible for the animal’s care.

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Swimming Pool Injury Liability

Each year, almost 300 children under the age of 5 years old are victims of drowning. Almost 3,000 more children suffer from non-fatal injuries due to swimming pools. While swimming pools are often places of fun and tranquility, they can present serious threats to the safety of young people. Often these embellished risks are due to the owner of the pool rather than complete fault of the injured individual. Determining swimming pool injury liability may allow the injured party to receive financial compensation to aid with retained medical expenses.

There are a number of non-fatal injuries that any person may acquire around the vicinity of a pool. Brain damage might occur if an individual slips and falls, colliding with hard pool surfaces. It is not uncommon for slips to occur because of slippery surfaces around the swimming pool. The owner of the pool may be accountable for not taking due care in protecting invited guests from the dangerous area.

Less common means in which an injury might occur around a pool include electrical defects, ladders and stairs, defective pool toys, slides, and diving boards. The misuse or careless interaction with any of these objects can result in serious or life-threatening injury.

While premises liability rules generally do not apply to trespassers on a property, the attractive nuisance doctrine that governs most states protects children that endure injuries on the property of another. In these cases, the property owner is legally responsible for barring children from the pool area in order to protect them from harm. A personal injury lawyer, the failure of property owners to maintain their land raises the risk of injury to their guests.

Swimming pool injuries can be serious and require expensive medical treatment and cause emotional turmoil. If you or a loved one was injured in a swimming pool accident, consult a personal injury lawyer in your state to discuss your options in establishing premise liability in order to gain financial compensation.

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An Overview of Special Needs Planning

An integral part of estate planning and administration is special needs planning. In most cases, this is to provide for the future special needs of an elderly relative, or it may be to address the present as well as future needs of a child with special needs. In either case, special needs planning has to be included in the mix in order to protect whatever private and public benefits that should accrue to the disabled family member.

One scenario is that of a disabled individual with limited means who qualifies or is receiving public benefits such as Medicaid and Supplemental Security Income (SSI) may lose these benefits if that individual receives an inheritance that is not sufficient to replace these benefits but which can nevertheless disqualify him or her from receiving them. If the inheritance is placed in a special needs trust, for example, the disabled beneficiary can still maintain their public benefits which is then supplemented by funds held in trust designed to pay for other expenses to improve the beneficiary’s quality of life that is otherwise not covered by government benefits.

In a way, special-needs planning is a way to ensure that a disabled individual is able to sustain life even if their primary caregiver dies. As pointed out on the website of Peck Ritchey, it is designed to help families with special needs to maximize available resources and to enhance their loved ones’ quality of life.

However, special needs planning requires a certain level of specialized knowledge for it to be effective. A special needs trust, for example, has to meet certain criteria to avoid being disqualified as a supplement to public benefits. It is important to consult with a special needs planning lawyer in your state to make sure that the provisions you make for future and current needs of your disabled child or other family member meet legal requirements.

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What are Personal Injury Suits Really About?

A personal injury lawsuit is not always about negligent accidents such as drunk driving, falls from height, or adverse side effects from dangerous drugs. By definition, a negligent accident is not intentional; the responsible party did not purposely set out to cause injury or damage to anyone, although this does not absolve them of civil and perhaps even criminal liability. However, there are wrongful acts (torts) that cause injury or harm that was done with the aim of doing just that, and these are called intentional torts.

In most cases, the doers of intentional torts face civil and criminal sanctions unless no charges or lawsuits are brought against them. Some types are fairly common occurrences, but most people only consider the criminal aspects of the act and leave it at that. The most common ones include but are not limited to:

  • Assault
  • Battery
  • Conversion (Theft)
  • Defamation (slander or libel)
  • False imprisonment
  • Fraud
  • Intentional infliction of emotional distress
  • Invasion of privacy
  • Trespass

It is important to know that these acts may qualify for civil action. For example, when a person is left seriously injured from being beaten severely, imprisonment of the responsible party will not result in any monetary awards to cover medical and other related expenses, such as disability. The injured victim will have to file a separate lawsuit to get awarded damages, and for that you need a private personal injury lawyer to gather evidence, prepare the case, and present it to a judge or jury. The same criteria apply in proving liability for negligent accidents and intentional torts.

If you have been seriously injured as result of the deliberate and intentional act of a third party, you may be able to get awarded economic as well as non-economic, and maybe even punitive damages. However, before that can happen, you need to consult with a personal injury lawyer in your area to help you out.

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Holiday DWIs

The holidays are causes for celebrations, especially around the end of the year starting with Halloween (technically not a day of celebration, but whatever) all the way to New Year’s Day. This is a chance for people to get together, and in many cases get inebriated together. There’s nothing wrong with that in Texas if they are adults or supervised by adults. That is, unless they get behind the wheel while they are still under the influence of alcohol. Unfortunately, accidents caused by driving while intoxicated (DWI) are an all too-frequent happening during the holidays, often turning celebration into tragedy.

Austin law enforcement knows this better than anyone, which is why they are in full force for each holiday to try to take intoxicated drivers from behind the wheel. In 2014, Halloween is on a Friday, the same weekend of the Formula One and Austin Fan Fest. With all the merrymaking and excitement going on, Austin authorities are preparing for the worst. In 2013, there were a total of 148 DWI arrests for Halloween and the Formula One weekend.

With being so much keyed up over these expectations, normally stringent law enforcers are more liable to arrest first and ask questions later during holidays. This can make all sorts of trouble for someone coming from a party where alcohol was being sprayed like confetti but who didn’t actually drink, for example. While the smell of alcohol may present probable cause for a stop and field tests to be administered, it would be reasonable to assume and for Austin criminal defense attorneys to expect that if a breathalyzer test comes back 0.0, that person would be free to go. That doesn’t always happen, as evidenced by the 2013 case where a man who proved he was not intoxicated still spent the night in jail.

If you are arrested for DWI in Texas, do not assume anything. The law can be a slippery snake, so it would be best to keep your options. Submit to field sobriety tests but consult with a criminal defense lawyer before anything else if you are charged with DWI.

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What Made Xarelto so Popular

People with medical conditions that made them susceptible to the abnormal or excessive formation of blood clots are typically prescribed with a blood thinner or anticoagulant. This is because these blood clots could travel up the blood stream and cause a stroke or some type of embolism, which can have devastating and permanent, if not immediately fatal, effects on a patient.

Back in 1950, researchers discovered that warfarin which was initially introduced into the market as a primary component in rat poison was also effective as an anticoagulant in humans. However, because warfarin had adverse interactions with certain food that contained vitamin K, its effect on the body had to be constantly monitored and the dose adjusted. This made it a chore to use although it was quite effective.

The newer anticoagulants like Xarelto (direct factor Xa (10-a) inhibitors or xabans) were much easier to use. They were taken once a day and there was no need for constant monitoring. However, they were so efficient that they thinned the blood too much and the patients began to bleed uncontrollably. Unfortunately, unlike warfarin which effects can be neutralized with a dose of Vitamin K, xabans like Xarelto had no known reversal agent, something that can be potentially disastrous.

In fact, quite a few patients have already died from serious Xarelto side effects, some have become permanently injured, all contributing to ongoing Food and Drug Administration (FDA) investigations into the properties and risks associated with Xarelto. Studies indicate that among all the xabans, Xarelto (rivaroxaban) is the most difficult to reverse in cases of severe bleeding. This is the basis for the first Xarelto lawsuit which was filed in Pennsylvania state court against Janssen Ortho LLC (a division of Johnson & Johnson) which handled the distribution of the drug in the US under license from Bayer Corp., which is to be named next in the lawsuit. More are expected to be filed as attention on the dangers of using the drug increase.

If you have sustained serious injury or an immediate family member died from the effects of Xarelto, you may have a personal injury or wrongful death case against Janssen and Bayer, among others. Consult with a dangerous drug lawyer to know more about this.

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Power Morcellators and the Threat of Cancer

Hysterectomy, according to the National Institutes of Health, is one surgery that many American women will have to undergo, due to uterus-related diseases that develop in them. And with 600,000 hysterectomies being performed every year, the procedure is recognized as the second most common surgery undergone by women in the US, the first being Caesarean section.

Hysterectomy is the surgical procedure for removing the uterus or the womb – a necessary treatment for chronic pelvic pain, cervical or ovarian cancer, cancer of the uterus, certain types of infections, vaginal bleeding, uterine fibroids (benign tumors that grow in the uterus), and so forth. Traditional hysterectomy procedures, such as abdominal and vaginal hysterectomies, necessitated long incisions (about five to seven inches in abdominal hysterectomy). With the introduction of the power morcellator, however, a device that can cut or divide (morcellate) large tissues into pieces small enough to allow these to be removed through the minimal incision sites, minimally invasive hysterectomies have become possible, rendering the procedure much safer and faster to perform, less painful, safer from infections, and the tiny incisions, faster to heal.

A power morcellator is specifically used in laparoscopic surgeries. [In a laparoscopic (minimally invasive) surgery, about four 0.5-1cm incisions are made. The different devices needed in the procedure, such as the morcellator and a laparoscope, or small camera, are inserted through these incisions].

The many benefits of the power morcellator made many doctors readily recommend its use in laparoscopic surgeries, specifically in hysterectomy (removal of the uterus) or myomectomy (removal of uterine fibroid) – until reports that the power device can cause the rapid spread of a cancerous tissue, called uterine sarcoma. The most common type of cancer that has been identified in women, who have received morcellation treatment, is leiomyosarcoma.

Following the reports was a safety alert from the US Food and Drug Administration, which discouraged further use of the power morcellator, due to the risk of cancer development in patients. Ethicon, the power morcellator manufacturing unit of Johnson & Johnson, was among the first to respond to the April 2014 safety alert from FDA. Besides suspending distribution and the worldwide sale of its morcellators, Ethicon also decided to voluntarily withdraw from the market its three famous devices: the Morcellex Sigma, the Gynecare X-Tract and the Gynecare Morcellex.

Power morcellator lawsuits are slowly growing in number and, Johnson & Johnson specifically, despite Ethicon’s decision, feels that the recall of the devices maybe a bit late as these may have already harmed a number of patients.

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