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Car accident victims should never worry about getting compensated for whatever losses and damages they would suffer as the financial responsibility law is enough guarantee that the driver at-fault in the accident has the financial capability to pay them. This is the major reason why all U.S. states have financial responsibility laws which require drivers to demonstrate their capability in compensating those who they injure and whose property they damage in an accident wherein they are at fault.
Proving financial responsibility may be done either by carrying auto liability insurance or by complying with any state-approved means. In the state of New Hampshire, for example, as the only state that does not mandate the carrying of auto liability insurance, it is enough for drivers to either carry an SR-22 filing or deposit securities or money with the state treasurer.
However, due to the high cost of insurance coverage, a study by the Insurance Research Council says that more than 25 million drivers continue to drive freely on US roads and highways without insurance. The study also shows that, of all states where there are uninsured drivers, the top five are California, Florida, Texas, Ohio and Tennessee.
The high cost of insurance policies is due to the types of coverage required in the state where a driver or a car owner resides. Besides Bodily Injury and Property Damage Liability coverage, some states also require drivers to purchase Personal Injury Protection (PIP) and Uninsured Motorist Coverage (UM). Due to these, plus all the other reasons factored in by car insurance providers to make policies still more expensive, the average monthly premium policy holders are required to pay range from $100 to $200.
Due to the high cost of premiums, millions of drivers and car owners have learned to require the help of independent car insurance firms for all of their insurance needs. These car insurance firms provide customers with many different free online insurance quotes to help them find the best policy that will meet all their needed coverage and at a price that will fit their budget.
According to the website of Second Gear Magazine, there are some car insurance firms that provide customers with many other benefits, like 24/7 roadside assistance, multiple payment options, bilingual customer service representatives, and low monthly premiums. Their non-affiliation with any insurance firms is what enables these independent car insurance firms to protect the interests of customers rather than the interests of insurance providers.Read More
When an elderly relative has started to forget many things in his or her life, he or she might be suffering from Alzheimer’s disease. In the U.S. alone more than 5 million individuals whose age is 65 and above are affected by the incurable mental disorder.
Though this type of dementia may also occur to younger people, it is a serious disease that commonly affects elderly individuals. Until now, medical experts and scientists do not clearly understand how protein buildups in the brain that causes damage and how to cure it. However, this serious brain disorder has various symptoms and any family members may find out if their elderly loved one is affected. A person might have Alzheimer’s disease when he or she already forgets to do the things he or she is used to do every day. When an individual’s thinking skills has deteriorated, it may be impossible for him or her to perform basic household chores like cleaning. A person afflicted with Alzheimer’s disease cannot even take a shower, eat a meal, or even wear clothes because of forgetfulness. Other signs of Alzheimer’s disease include forgetting names of family members, trouble of finding way home, and being temperamental. According to the U.S. Centers for Disease Control and Prevention (CDC), there are various factors for a person to possibly have Alzheimer’s disease. Though the best known factor for a person to have Alzheimer’s disease is through age, it may also affect individuals who have other family members already have the mental disorder.
Individuals who are diagnosed with Alzheimer’s disease are required undergo various kinds of treatments to improve their lifestyle. To lessen the progress of Alzheimer’s disease, a patient may be prescribed to take medications. There are also memory care facilities that offer therapy sessions to lessen the depression feeling of a person who have a severe Alzheimer’s disease. Patients’ condition may possibly improve when they are continuously introduced to music and arts.Read More
Owning a pet is a luxury that numerous U.S. citizens enjoy. However, reckless proprietors and creatures that are temperamental can lead to the public to severe results. Of these, are children and another 20% of assaults are serious enough to need medical care. Thousands of the resulting harms require reconstructive surgery that is costly.
Physical damage isn’t the single trauma that puppy attacks can trigger. The average cost of a clinic visit for a dog-bite related injury is $18,200, greater than the general hospital visit. In case, you have been injured and or a beloved one have already been attacked with a puppy, call a personal injury attorney in your own state to seek the compensation you deserve.
It’s important to be careful when reaching any creature so that you can avoid injury that is physical. It is strongly recommended to spay or neuter all pets to limit hostile behaviour and properly socialize them with other creatures and folks.
Aggressive dog types, for example, pit bulls account for 86% of assaults that cause bodily injury. As stated by the site of the Hankey Law Office, the owner is required to be mindful of their dogs and know if the animal has exhibited aggressive behavior before.
Dog bite injuries may be serious enough to bring about lifelong injuries, chronic health conditions, and yet the passing of the sufferer. Daily, about 1,000 Americans need emergency treatment for dog-bite injuries and 20 -30 individuals are murdered every year from these types of injuries.Read More
Burn is a very common type of household injury besides cuts and falls, and it can be very painful, especially if it damages the layer beneath the skin where the sensory or afferent nerves (which convey sensations of heat and cold) are located.
Estimates by the National Burn Repository (NBR) of the American Burn Association (ABA) show about 450,000 burn patients receiving treatment in emergency rooms and hospitals each year (not included in this number are those treated in community health centers and private medical offices). Roughly 3,400 of these patients die due to infections or other complications resulting from the burn.
From the 450,000 burn cases, 73% occurs in the home, 8% in workplaces, 5% happens on street or highways, another 5% takes place in recreational or sport centers, while the remaining 9% happens in other places. Majority of the burn victims are children and senior citizens, while its identified causes are fire or flame, scalds, direct contact with a hot source, electricity, chemicals and others.
Third-degree burn is the most serious kind of burn because of the extent and depth of the injury it causes (some burn classifications, however, wherein a fourth kind of burn injury in included, state that the most serious kind of burn is fourth degree burn); yet, despite its severity, pain is no longer felt by the burn victim because it damages the nerves, along with the muscles and bones.
There are cases wherein the part of the body that has been affected by this type of burn will need to be amputated to save the person from any possibility of further harm; however, there are instances when the body becomes too weak to bear the pain or fight off any resulting complications, resulting to the death of the person.
Unbearable pain or death – these are sometimes the consequences of burn injuries. But what is infuriating and painful about accidents that lead to this type of injuries is that in many instances these are results of people’s careless or negligent acts, making these totally preventable. Under the law, wherever negligence is a factor in an accident-causing injury, the victim has the right to file a civil lawsuit against the liable party to seek the compensation that he or she may be entitled to receive. According to the website of the Chicago personal injury lawyers at Karlin, Fleisher & Falkenberg, the results of accidents can not be undone. However, under the American justice system, victims have the right to take legal action against the liable party to make them answer to the consequences of their irresponsible actions.
Civil lawsuits take time, besides being complicated. These also require forms and (medical and other legal) documents that need to be filed and submitted within a specified statutory time. During the litigation itself, evidences and arguments that will establish the defendant’s real accountability are necessary, as well as the computation of all the damages suffered by the victim which the proven liable party will have to compensate.Read More