Recent Entries

The Types of Auto Insurance Coverage Explained

Finding auto insurance coverage may seem to be a daunting task especially if you do not know where to start. There is a variety of options available to you and it is just matter of choosing the right one for your needs and requirements. According to the website of N. Craig Richardson, there are several types of auto insurance coverage that can fulfill individual needs. Here we will look at the most common types of insurance coverage:

1. Liability Insurance

If you had been deemed at-fault in a car accident, liability insurance will help defray the medical expenses of the other driver. However, it will not pay for your injuries as well as that of your passengers. Most states have a required minimum for the amount of liability coverage. It consists of two parts namely bodily injury or property damage. The former pays for any damage incurred by the other party or their passengers. The latter, on the other hand, covers any damage to vehicles or other properties.

2. Collision Coverage

Collision coverage shoulders payment for repairs or replacement of your own vehicle after an accident. It includes damage due to collision with an object such as a tree or house or accidents that did not involve any object. While such coverage is not mandated in most states, it will come in handy if you have a loan or lease. Likewise, if you are using an older model of car, collision coverage may be useful.

3. Comprehensive Coverage

Comprehensive insurance provides protection to your vehicle against damages not due to accidents such as theft, falling debris, or natural disasters. It is often purchased together with collision coverage. By adding safety features as an anti-theft and tracking devices, you can make comprehensive coverage more affordable. Take note that not all insurance companies will offer the same coverage so make sure you have an idea of what coverage is included in your policy.

4. Personal Injury Protection (PIP)

Personal injury protection (PIP) is often called “no-fault” insurance. It pays for medical expenses that you will incur in an accident regardless of who caused the crash. It also covers all the other drivers, family members, or other passengers listed in your policy. It also covers other medical expenses not covered by health insurance. Only 15 states require PIP. With the costs in a car accident likely to add up, it makes sense to have Personal Injury Protection.

5. Uninsured/Underinsured Motorist Protection

Although most states require insurance to all drivers, this is not always the case. While they may be covered with liability insurance, some states may have low minimum coverage requirements that will not be sufficient coverage for all expenses. So if someone who does not have coverage or has less coverage than what is needed to cover any damage, having uninsured/underinsured motorist protection can help defray any accident-related expenses.

Knowledge of the different types of car insurance coverage can help you decide on what type of insurance to include in your policy. The bottom line is that with the cost of medical bills and repairs associated with car accidents too costly on your part, having car insurance coverage can free you from out of the pocket expenses.

Probing Nursing Home Abuse and Neglect

More and more Americans are seeking the help of nursing homes for their long-term care needs. Nursing home residents are entitled to enjoy the same rights that any other residents outside nursing homes are enjoying. They have the right for a quality life free from any forms of abuse: verbal, physical, sexual, and financial. And according to the website of the Law Offices of Ronald J. Resmini, LTD., a nursing home that has been proven to violate a resident’s right to quality living could be liable to the fullest extent permitted by the applicable law.

Probing for nursing home abuse can be difficult, but not impossible. Here are the things that you should consider to determine whether your loved one is suffering from nursing home abuse and neglect:

Do not ignore what your loved one is telling you

If your loved one is telling you that she is being abused in any way, chances are it is true. Whatever the gravity of abuse, a person who feels she is mistreated is really mistreated, so you should never ignore your loved one’s insights and take appropriate action to prevent further abuse.

Look for signs of neglect and maltreatment

Tell-tale signs of nursing home abuse and neglect could be seen through the patient’s body. Bedsores, for instance, indicate that nursing home staff fails to ensure that the position of bedridden patients are switched regularly. Unexplained bruises are also signs that the resident is being physically maltreated.

Check for your loved one’s health

Dehydration and malnutrition are signs that your loved one is not receiving the nutrition her body needs every day. Fractures and head injuries caused by unexplained falls could also be a result of a nursing staff’s failure to monitor and assist the patient in her daily activities. Communicable diseases and infections, on the other hand, might tell that the facility failed in protecting your loved one from health dangers inside the nursing home.

Observe your loved one’s behavior

Is she reluctant in speaking when there is staff around? Is she unusually irritated? Does she always want to be isolated? These could be signs of abuse and neglect.

Motorcycle Accidents: Common Causes and Prevention

While motorcycles prove to be a fast and efficient way to travel, there is no doubt that it also involves greater risks than traveling in a car. As noted by the Insurance Institute for Highway Safety, fatalities that result from motorcycle accidents are 30 times more likely than deaths from accidents involving cars. Considering that motorcycles aren’t equipped with the same safety features as passenger vehicles, this statistic should not come as a surprise. An individual riding a motorcycle isn’t afforded the protection of a metal cassis and safety equipment such as seat belts and air bags. The only protection these individuals can rely on is their safety gear, which won’t mean much in a serious collision involving a larger vehicle.

This personal injury website says there are several factors contributing to the continued incidence of motorcycle accidents. For one, these vehicles are much smaller and faster than all the other vehicles sharing the road. These characteristics can make motorcycles very easy to miss. This is why motorcyclists need to be cautious when making a turn or merging into traffic. Another common issue with regards to the lithe frame of motorcycles is the occurrence of sudden stop collisions or rear end collisions. Motorcyclists riding behind a vehicle that suddenly hits the break can cause a collision that can be cause them to fall off the vehicle or have neck and back injuries such as whiplash. To prevent this from happening, motorcyclists should keep a safe distance between themselves and the vehicle in front of it.

Another common cause of motor cycle accidents is open car doors. In urban areas where several cars are seen parked along a street, motorcyclists may accidentally collide with a car door that’s open. This can cause very serious injuries. As a result, it’s important for motorcyclists to keep a safe speed in these areas and stick to the appropriate lanes designated for motorcycles, bicycles and other small vehicles.

If an accident should accident occur despite a motorcyclist’s close accordance to safety precautions, aggrieved individuals should not hesitate to seek out the help of a legal professional and learn more pursuing a civil case.

Taking a Culinary Adventure in Madison, Wisconsin

Aside from being known as the famous City of Lakes, Madison is also home to a huge population of restaurants that offer a host of different cuisines. Thanks to the diversity of its population, Madison’s local food scene can be considered just as gastronomically varied. The following are just some of the several stops you should make when taking a culinary adventure in Wisconsin’s capital city.

L’Etoile

Perhaps one of Madison’s most popular restaurants, L’Etoile is owned by Tory Miller, the chef crowned by the James Beard Foundation as the best in the Midwest in 2012. The restaurant offers a menu featuring home-style dishes made from the best local ingredients.

Dane County Farmers Market

The Dane Country Farmers Market is held every Wednesdays and Saturdays at the Capitol Square in the summer months. Visitors can buy fruits, vegetables, meats, cheeses, breads, cheeses, honeys, jams, and other local food items that have been produced or made by local farmers and vendors.

Fromagination

Because Wisconsin is among American’s leading dairy producers, it would be silly to pass up on the opportunity to sample one of the state’s specialties. When in Madison, don’t forget to drop by Fromagination to taste dishes that features the very best of Wisconsin cheeses.

Bahn Thai

Those looking for their Asian food fix can visit Madison’s oldest Thai restaurant. Bahn Thai features classic favorites such as the pad thai and pad see ew made from fresh ingredients and locally grown vegetables.

Lombardino’s

Meanwhile, visitors looking to satisfy their Italian food cravings can head on over to a restaurant that is widely considered as a Madison institution. Lombardino’s first opened in 1952 and have since been serving iconic dishes like Napoletana pizza, grilled Angus beef filet, spaghetti puttanesca, and seared sea scallops.

Personal Injury: The Truth is a Matter of Circumstance

Personal injury cases can be more complex than a he-said, she-said kind of story depending on who the guilty party is.

For example, if you have been injured due to unsafe premises, the owner of the premises is then liable to pay you for the damages sustained. Say the owner is the president of a large, resourceful corporation – the whole deal can then suddenly become much more complicated if not faced with competent enough help.

Personal injury cases can also be difficult if there are medical terminologies and procedures that need to come up as evidence or relevant information on the claim, as is the case of some situations wherein the fault can be labeled as medical malpractice or defective pharmaceuticals. The attorneys who then take on that case must then be able to defend that claim in order to represent your case.

The website of Crowe & Mulvey LLP says that lawyers of these kinds of cases are not confined to just legal issues as they are then tasked with resources in order for you to receive the best kind of care available as well as ensure that your path to recovery is the one most efficient and effective for you. Experts in various fields might have a need to testify in your behalf and it is tasked then to the experts that you hire in order for your case to be presented in the best way possible.

Lawsuits can also be difficult due to the strict deadlines that courts place upon them and having to deal and recover from an injury is difficult enough. Some cases are even so debilitating that some victims are rendered temporarily or permanently injured; some of these cases sometimes can even result in death. In a battle like this, where information is crucial and the only weapon that counts, your truth must be more than circumstantial and implacable enough to be believed beyond reasonable doubt.

It takes qualified, expert help in order to get you through a situation like this so it really is recommended for you to look into that as soon as you realize that you’re going to need the aid.

Reducing the Impact of SUV Rollover Accidents

Rollover accidents are the greatest risks that sports utility vehicles face. Rollover accidents can lead to devastating injuries and damages not only for the driver and passengers inside the vehicles, but also for those who are involved in the accident. Because of the rising number of lawsuits and fatalities that SUV rollover accidents had, car manufacturers have devised various ways to help lessen the risks of such accidents and protect their consumers.

One such improvement is the installation of side-impact airbags (SAB). These are inflatable devices made to protect the head, chest, and generally the body, of the driver and passengers during a serious collision that may occur on the side of the vehicle. These airbags are meant to protect the most important parts of the body: the head and the torso. When buying an SUV, it would be best to find one that has the combination of two airbags, the combo SAB.

Chest SABs are meant to protect the torso or chest area in side-impact collisions, while head SABs mounted inside the roof rail are designed to shield the head and can protect in events of ejection during a rollover accident. A combination SAB, mounted generally on the side of the seat, can be larger in size and provides protection for both the head and the torso. These SABs inflate through the help of sensors that detects the severity of the crash, and they inflate within a fraction of a second.

Because automotive defects have been blamed for the great number of injuries and fatalities caused by SUV rollover accidents, the installation of these various types of SABs have helps in protecting the driver and passengers inside the vehicle. Although these are not mandated by the Federal government, they can still be installed to help increase driver and passenger protection. Make sure to install one that inflates during a rollover, since occupant ejection is one of the leading causes of death in rollover accidents and SAB help prevent such ejections. Installing safety extra safety features may have the added benefit of reducing your auto insurance premium. For more information on the car insurance side of things, visit this website.

Negligence in Talcum Powder Litigation

The idea that talcum powder may have a direct causative link for ovarian cancer has gained ground in recent years as study after study supports this, which is what researchers in 1971 had been saying. However, because the link is indicated rather than confirmed, talcum powder manufacturers, particularly the original one, Johnson & Johnson (J&J), have staunchly denied that talcum powder does anything other than keep you feeling dry and smelling fresh. However, a legal precedent has recently been set which has changed the whole ballgame.

The first case brought against J&J for its talcum powder products was by Deane Berg, who found out in 2006 that she had ovarian cancer. When it became suspected that it had been caused by her 30-year-long habit of using J&J’s after shower talc-based product for feminine hygiene, she filed suit against the company in 2009 in South Dakota. The jury found J&J negligent for failing to warn consumers about the potential for risk in genital use of the talc-based products in 2014, which paved the way for other people to make their own claims.

The South Dakota jury found for the plaintiff for negligence but not for strict liability and did not award any damages, a decision which Berg is currently appealing. Finding a defendant negligent but awarding zero damages is allowed in South Dakota, but this is not true for all states. Because the Berg case was the first, there are a lot of issues that will have to be resolved that one jury may not be able to address.

It may seem puzzling that a defendant would be found negligent but not liable for any damages, considering that a finding of negligence means that the jury believed there was an element of causation, as suggested in an article found in http://www.williamskherkher.com/practice-areas/talcum-powder-lawsuit/. A personal injury case is not always easy to understand, and it takes a competent lawyer to present the facts so that a jury fully understands the responsibility of the defendant to the plaintiff.

If you have sustained serious injury caused by talcum powder, you may be eligible to file a product liability case against the manufacturer. Consult with a talcum powder lawyer in your area to find out your legal options.

Prozac Lawsuits

Eli Lilly and Company was the progenitor of what would become the first of a whole class of antidepressants that would be gobbled up by the public. It was in 1974 that researchers documented the drug fluoxetine, which would later be presented to the Food and Drug Administration (FDA) as a selective serotonin reuptake inhibitor (SSRI) class antidepressant under the brand name Prozac. It was approved in 1987 and today it remains one of the most prescribed antidepressants in the US and the UK, making several truckloads of money for Eli Lilly.

However, it hasn’t all been a bed of roses for the drug maker. Eli Lilly was almost immediately plagued by lawsuits for failing to warn physicians and patients about the serious side effects that may result from the use of Prozac. Chief among these early complaints was the increased risk of suicide among young adults and children. It should be noted that Eli Lilly applied for the drug’s approval for both adult and pediatric use as a treatment for major depression.

While the first cases brought before the civil court wound up being dismissed for lack of scientific evidence that the suicides and violent behavior was Prozac-induced, it soon became apparent that the drug is most likely to be the causative factor in many of the cases. Indeed, the FDA has mandated that the drug be provide with a black box warning about increasing the risk of suicide for patients under the age of 25. To date, it is estimated that Eli Lilly has paid out in excess of $50 million in lawsuit settlements.

Aside from increasing suicidality, Prozas has also been cited for causing birth problems and defects in children of women prescribed with the drug for a variety of reasons: obsessive compulsive disorder, panic disorder, catalepsy, bulimia nervosa, and so on. The claim is the same: the company failed to warn the public that it had teratogenic effects.

Prozac is associated with a multiplicity of adverse reactions, the impact on patients of which have yet to be fully explored. While Prozac lawsuits are on the wane, other SSRI drugs have recently come under the hammer, and it is possible that even more actionable problems with Prozac will come to light. For patients who have been prescribed with Prozac and this caused injury or death, there may still be legal options open to them. Consult with a dangerous drugs attorney in the relevant state and learn more about current developments in Prozac lawsuits.

How to Earn a Conditional Permanent Residence in the US despite a Pending Divorce

The process of divorce can be long and complicated; but for individuals that are applying for US citizenship, it may serve as a serious concern as it may affect their immigrant status. Before taking action, contacting a Cedar Rapids divorce lawyer and an immigration lawyer may be advisable.

As a spouse of an American citizen, one of the advantages you will have with regard to your green card application is its faster processing. This is because as a spouse you are classified as an immediate relative in Immigration laws. However, if divorce precedes your citizenship grant, will that mean invalidation of your application?

One of those required of immigrants applying for citizenship is to have a sponsor who is a US citizen. Without a sponsor an applicant’s application may be issued a denial or, worse, the applicant him/her self may even be deported. However, by filing a waiver of termination instead of opting to withdraw the application for citizenship, the applicant, who is a foreign spouse, may be awarded conditional permanent residence even while going through the process of divorce.

To gain the privilege of filing a waiver of termination, the U.S. Citizenship and Immigration Services (USCIS) has imposed requirements which need to be met. Submission of one or more of these requirements, along with the waiver, will prove that the marriage of the applicant with the US citizen was valid and not just a means to gain a citizenship status.  The requirements include proofs of the:

  • Validity of the marital union, like shared bills, evidence of marital properties, photos and any other document or material that will substantiate the union
  • Possible extreme hardship the foreign spouse will experience if deported back to his or her place of origin
  • Abuse or cruelty of the American spouse (thus the divorce), such as affidavits from neighbors and family members and a sworn statement from the spouse him or herself

On its website, the Law Office of William Jang, PLLC, tells of the complexities involved in filling-out documents, filing these and in keeping up with the updates or changes affecting immigration policies. For the foreign spouse, especially, understanding the contents of the Immigration law may be an added burden. Thus, in any procedure and concern, the best assistance a foreign-spouse will have can only come from an immigration lawyer, who knows and understands the Immigration law and who is commited to serving his/her clients.

Insulating Garage Doors

Recently, there has been a rise in the number of people wanting to have their garage doors insulated. More and more people are choosing this option because they believe it is a great investment, and insulating your garage doors pay off quickly. Because many people view their garage as an extension of their workplace or as a social gathering spot, having proper insulation is just reasonable, but is it really that necessary?

First off, a properly insulated garage door can lower your energy bills by a certain amount. Proper insulation can make you less likely to require air conditioning, therefore keeping costs at minimum. You don’t need to have manually heat or cool it. Another thing is that garage insulation can reduce noise. Whether it is from outside or inside, noise from any direction is blocked out. With little noise, you don’t have to worry about disturbing your neighbors when you are working loudly in your garage; likewise you are not bothered with the outside noise when you prefer to have silence in your garage.

It may seem unnecessary, but having your garage insulated can actually increase your home’s value if your plan to have it resold. Garage insulation is a much-sought after feature because of its noise-reduction features and energy efficiency factors. Accordingly, durability is also a factor for insulated garage. These insulated garage doors are stronger against pets and other animals, therefore making it a sturdier investment than non-insulated ones.

Comfort is one last thing that an insulated garage door can provide. With proper insulation, temperatures are kept in an even temperature, making it more effective in preventing things inside the garage protected from weather-related damages. There are also cars that can have a hard time to start when they are kept cold for a significant amount of time, so you can protect your car’s engine with an insulated garage.

Many people believe that a home’s central point is the garage. Other than having the right design and style for your garage door, choose to have more eco-friendly and comfortable garage door by choosing to have it insulated.