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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.
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.