What Types of Insurance Coverage are Required in Your State?

By on 2-24-2016 in Insurance

Drivers who get pulled over and caught without car liability insurance can be issued a traffic ticket for violation of their state’s mandatory insurance law. Besides a traffic ticket, they can also suffer suspension of their driving license, asked to pay costly fines and be required to carry an SR-22 filing to have their license and driving privileges reinstated.

Other than the need to be able to present their insurance card when asked by a traffic enforcer, drivers also need to show proof that they carry car liability insurance whenever they renew their license and car registration. What millions of drivers do, however, is immediately cancel their policy or stop paying premiums after they have accomplished their registration needs; thus, besides having their license renewed, they also free themselves from the burden of paying costly premiums and still get to keep the insurance card which they can always show to traffic enforcers whenever it is asked of them.

Except in the state of New Hampshire where drivers only need to show their capability to provide sufficient funds in case of an at-fault accident, or in Virginia, where a driver can register an uninsured car on the condition that he/she deposit cash or securities with the state’s Department of Motor Vehicles (DMV), all the other 48 US states mandate carrying car liability insurance.

Depending on the state where a driver resides, he/she must carry either tort car liability coverage in tort-states or the no-fault car liability coverage in no-fault states.

In tort states, the car accident victim can file a civil lawsuit against the at-fault driver. The amount of compensation that the victim is legally entitled to receive, which usually covers medical treatment, lost wages, pain and suffering, will be paid by the at-fault driver’s insurance provider. There are 38 states where this type of insurance coverage is mandated.

In no-fault states, which include of Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota, and Utah, the insurance provider pays its own policy holder in the event of an accident, regardless of whose fault the accident is. Due to this, the driver who claims to be the victim in the accident need not file any lawsuit against the at-fault driver, making payment of compensation faster. (The states of Pennsylvania, New Jersey and Kentucky allow their drivers to choose which coverage they would want to carry, either the no-fault car insurance or the full tort car insurance.)

For extra protection of those in tort states, however, due to the millions of uninsured drivers who continue to drive on US roads and highways, states also require their drivers to carry Uninsured/Underinsured Motorist Coverage.

Uninsured motorist coverage covers accident victims’ economic losses and damages in accidents wherein: the at-fault driver does not carry auto liability insurance; the vehicle used by the at-fault driver was stolen; or the accident is a case of hit-and-run. Underinsured motorist coverage, on the other hand, is designed to supplement the at-fault driver’s policy, the amount of which is not enough to cover costs of all covered losses.

Though states require only the minimum liability limit for auto insurance, millions of drivers still find insurance policies too costly to maintain. Insure on the Spot, an independent car insurance company, says, however, that drivers need not be tied to paying expensive premiums. Many firms like itself help drivers find the best insurance deal that is within their budget. Moreover, the auto insurance quote provided by these firms is comprehensive and perfectly helpful, besides being free; drivers can also ask for quotes online.

Are Blood Clots Dangerous?

By on 10-03-2015 in Personal Injury, Product Liability

It can happen anywhere. Long haul flights, busy traffic jams that can last for hours and hours, or even just lose track of time while you’re sat on your office chair – blood clots can happen to you. But are they dangerous?

In order to understand the danger and threat that anything poses, you must first understand what it is.

What, exactly, is a blood clot? Well, you know that there are involuntary movements in your body that keep it going for the entirety of its duration, right? Blood flow is one of those things. Blood constantly runs through your body – and will continue to do so for all the rest of your life because it must. Blood flows through your many, many veins in order to support your body. Now, naturally occurring blood clots happen when a vein – such as the deep vein – breaks or is unable to continue the blood flow. The cells then coagulate within the vein and create a clot, making it impossible for the blood to flow through the body. If the flow is disrupted, it could severely damage the affected area.

This is especially true for cases regarding Deep Vein Thrombosis (DVT). The deep vein must be regularly moved for blood flow to be stimulated. If the body is still for too long, the blood in the vein could coagulate and clot. According to the website of the lawyers with Habush Habush & Rottier S.C. ®, if the clot is large enough then it might cause pulmonary embolism, a situation wherein a blood clot disrupts the blood flow to the lungs, thereby damaging the organ. If unable to be quickly acted upon, the results could be fatal.

This can be serious and since the damage is internal, it can be difficult to immediately spot the signs and therefore action must be taken immediately. Other instances of blood clotting can occur due to external trauma or the malfunction of preventative surgical devices such as IVC filters for people who have higher risk for blood clotting, such as pregnant women or diabetics.

Common Cruise Ship Accidents and Injuries

By on 7-02-2015 in Personal Injury

For a lot of people, vacationing on a cruise ship is quite an ideal scenario. After all, cruise ships offer tourists the very best of a variety of travelling experiences. Cruise ships allow passengers to tour one destination after another while enjoying luxurious accommodations. Aside from being able to experience exotic locales through excursion activities, cruise ship passengers also experience a variety of activities while travelling out on the open sea.

Still, despite the convenience and luxury that cruise ships offer, passengers will have to keep in mind that there are certain risks involved in this method of travel. The risk of accidents is significant during shore excursions. In these events, passengers typically take part in activities like scuba diving, jet skiing, and bungee jumping. Without proper maintenance, there’s a huge possibility that the equipment used in these activities could be defective. There’s also the risk of facing accidents as passengers are transported from the ship to the shore through small boats called tenders, and as they are being transported from one venue to the next through motor vehicles.

The website of the Vucci Law Group, P.A. also points to the possible dangers that passengers can face while on board the cruise ship itself. These dangers are associated with the typical risks involved with traveling at sea, such as large waves, sea storms, and icebergs. Defects on the facilities and equipment on board can also cause fires and electrocutions. Another common accident occurs when a cruise ship fails to dock properly at the port, causing sudden lurching and other unexpected movements that can lead to passengers slipping and falling. Incidents like this can result in broken bones, head trauma, and spinal cord injuries.

Cruise ship passengers should be able to enjoy their dream vacation without worrying about disastrous incidents that may come their way. Unfortunately, reality points to the fact that these passengers should be made aware of the dangers they could face while enjoying their trip. Hopefully, these precautions can serve as a way to help vacationers be more discerning with the cruise line they want to patronize.

An Overview of Drug Possession Laws

By on 6-30-2015 in Criminal Defense

Drug-related crimes are consistently met with aggressive punishment across all 50 states in the United States. According to the website of the Bruno Law Offices, 1.9 million drug arrests were made across the nation in the year 2006. Among the drug violations that entail strict penalties is the possession of illegal substances. While the specific punishment for drug possession charges varies depending on state laws, those convicted with such a crime can expect to face consequences that could leave devastating long-term effects.

Across America, drug possession generally refers to the willful possession of illegal substances either for recreational personal use, distribution, sale, or other similar endeavors. Any individual who is caught having specific amounts of drugs like cocaine, marijuana, heroin, methamphetamine will be charged with a crime and can expect to meet harsh punishment. Most drug possession laws in the U.S. delineate penalties based on the quantity of drugs found on a person. For example, individuals caught with smaller quantities of drugs are set to meet penalties that are less stringent than those caught with large amounts of a specific substance. Some drug possession laws also recognize that there are some substances that are more dangerous than others. As a result, individuals found to be possessing highly addictive drugs like heroin meet steeper punishment compared to those in possession of drugs like marijuana.

In Texas, for example, an individual carrying less than 2 ounces of marijuana will be charged with a misdemeanor. This entails up to 180 days of jail time and a maximum fine of $2,000. In comparison, getting caught with more than 4 ounces of marijuana is already considered a felony. Meanwhile, as Ian Inglis Attorney at Law points out on his website, cocaine possession is an automatic felony. Depending on the amount found on a person, cocaine possession can be considered a state jail felony, third-degree felony, second-degree felony, first-degree felony, or an enchanted first-degree felony.

The Consequences of Reckless Driving Accidents

By on 6-28-2015 in Car Accident

There is no denying that car crashes and other vehicular accidents are a serious problem in the United States. As pointed out by the U.S. Census Bureau, there was an average of 10.6 million motor vehicle accidents between the years 2004 and 2009. Reckless driving is among the most common reasons for these accidents to occur. Drivers who become negligent when operating their vehicles can end up causing devastating accidents that could leave long-term consequences for its victims.

In most states across America, reckless driving is generally defined as a driver’s “willful or wanton disregard for the safety of persons and property” while operating his or her vehicle. Traffic violations involving careless and improper driving fall under this category, as well as violations made by drivers who operate their vehicles without proper care and attention. According to the website of the Goings Law Firm, LLC, concrete examples of reckless driving include speeding, ignoring traffic lights and signs, failing to signal to other vehicles through the use of blinkers, as well as racing with other vehicles on the road. In some select states, having faulty breaks and other vital car mechanics can also be considered as reckless driving.

Reckless driving accidents can range in their severity. There are times when such negligent mistakes can lead to a minor rear-end collision. However, there are also moments when reckless driving violations can cause serious car crashes like rollover accidents. According to the website of Habush Habush & Rottier S.C. ®, injuries common to these types of serious wrecks include broken bones, brain trauma, neck and spinal injuries, internal tissue damage, and internal bleeding. Meanwhile, minor crashes can lead to sprains, lacerations, and whiplash.

Generally, reckless driving is considered a misdemeanor crime. If convicted, an individual that committed a reckless driving violation may end up having to spend a significant amount of time in jail, pay substantial fees, as well as have his or her driver’s license suspended or revoked.

Bouncing Back from a Workplace Injury

By on 6-27-2015 in Workplace Accident

It’s impossible to predict when an accident will happen. The only way to prevent accidents from occurring is by taking safety precautions while undertaking hazardous tasks. This is particularly applicable for individuals working in industries like construction work and transportation. These manual labor jobs are mostly perilous in nature. As pointed out by the website of Wilson & McQueen, PLLC, accidents like slips, falls, and repetitive motion injuries are common in these lines of work. When such accidents do occur, workers involved in these jobs could end up getting severely injured. Aside from dealing with the physical pain caused by such injuries, the long road to recovery can also be exacerbated by other pressing concerns.

According to a Milwaukee personal injury lawyer website, individuals that have been severely injured in a workplace injury face many devastating consequences. The expense of their medical treatment can be overwhelming. They will also be required to take time off from work in order to prioritize their recovery. This prevents them from being able to earn an income that will help support their families and contribute to paying off medical expenses. On top of the physical trauma and emotional suffering they have to toil through, injured workers will also have to juggle significant financial burdens. Fortunately, there is a way to help those looking to bounce back from a workplace injury. For one, injured employees can rely on financial assistance provided by their companies through workers’ compensation benefits.

Statistics from the U.S. Department of Labor shows that an overwhelming 2.9 private industry injuries were reported in the year 2013. Such a significant number shows that there are many employees in need of the financial assistance that workers’ compensation benefits can provide. If you are among those looking for help to alleviate your situation, don’t hesitate to seek out legal counsel for help in filing your claim.

Mesothelioma and Asbestos Exposure

By on 6-25-2015 in Product Liability

Asbestos refers to a group of natural occurring minerals that are characterized by thin microscopic fibers. These minerals were once widely used as a popular component in materials for automation, construction, and other similar interests. This was due to its unique properties, including its resistance to fire, heat, chemical, and electrical damage. However, regulations on the use of asbestos were soon imposed around 1979 when information about its dangerous effects became public knowledge.

By the 1980s, it soon became clear that asbestos exposure can be lead to extremely devastating effects on the human body. Much of the harm caused by asbestos minerals is due to its microscopic fibers, which are pretty easy to inhale and swallow unknowingly. Even brief exposure can leave individuals vulnerable to harmful effects. Majority of those severely affected by asbestos exposure were workers who performed tasks in close proximity to the minerals.

One of the most pressing effects left by asbestos is a medical condition called mesothelioma. This condition is a rare type of cancer that causes the uncontrolled malignant growths in the protective lining that covers most internal organs. Mesothelioma typically occurs in in the chest and abdomen, but it can also cause tumors to grow in the heart and the testicles in some rare cases. The website of the asbestos lawyers at Williams Kherkher also points out other asbestos-related conditions like lung scarring and lung cancer.

According to the website of Williams Kherkher, the real danger of asbestos exposure is in the fact that the symptoms of mesothelioma can take many years to develop. Patients continue on with their daily routines without noticing any significant change in their well-being. This makes the cancer incredibly hard to detect. Once detected, it may be too late to treat the cancer completely.

If have been exposed to asbestos in your workplace, learn to watch out for some of the most common symptoms of mesothelioma. Symptoms for mesothelioma affecting the chest cavity includes shortness of breath, coughing, fever, fatigue, excessive sweating, trouble swallowing, swelling in the arms and face, as well as pain at the side of the chest or lower back. For mesothelioma in the abdomen, common symptoms include abdominal pain, swelling in the abdomen, nausea and vomiting, and significant weight loss.

How Are Child Custody Decisions Made?

By on 6-23-2015 in Family Law

There’s no denying that going through a divorce can be an extremely difficult process, often filled with a lot of stress and emotional devastation. Couples that opt to end their marriage will have to make some very difficult decisions together. This includes making necessary arrangements for shared finances and other similar concerns. Divorcing parents have the added challenge of coming to terms with regards to a child custody setup. Deciding on how parenting duties will be shared can quickly become a point of dispute for these couples. In these cases, the only way to solve child custody contentions is through a court decision.

Family courts will ultimately rule in favor of a child custody arrangement that upholds the best interest of all children involved. To come to this decision, a judge will have to examine several factors like the health, age, and lifestyle of both parents, as well as their income and employment opportunities. The presiding judge will also take into account the relationship each parent shares with their children, sometimes even asking older kids about their own preferences. This is to make sure that the children won’t be separated from the parent that has served as their primary caregiver prior to the divorce.

In an ideal situation, a divorce should not be able to disrupt established family dynamics too much. Judges presiding over custody cases generally prefer arrangements that allow each spouse the opportunity maintain an active part in the lives of their children. Divorcing parents who live close by can be given joint physical custody of their children. According to the website of Arenson Law Group, PC, if geographical limitations become a concern, joint legal custody will be given to both spouses and only one will be awarded sole physical custody. The other parent will be awarded visitation rights. Of course, special considerations will have to be made in scenarios where one or both parents are deemed unfit to care for their children. These types of child custody cases are far more complicated, involving plenty of legalities. A highly skilled lawyer is always recommended for these instances.