Insurance Laws – Bad Faith Claims Attorneys

Insurance Laws – Bad Faith Claims Attorneys

Insurance laws that safeguard us are many and they have been framed keeping in mind the interests of the people and the country. These laws protect the rights of the individual not only while buying the policy but also while filing for claims during turbulent times. A layman would never understand the nuances of insurance laws like how an insurance lawyer does, and it is best that every person in a family as well as their various ventures is insured on the advice of a good insurance law lawyer. insurance claim law

Taking up insurance is all about protecting yourself and your business from unforeseen circumstances and potential risks. The risks are delays, lawsuits, damage, calamities, death, fire etc and many more. The insurance companies take in premium amounts from the insurer, and in case of business insurance from companies, and help cover the costs in case of any damage or destruction.

Any capable person would need insurance to be protected against losses to ensure that the company or the family survives accidental losses of property or people respectively. Considering all the risks involved in the daily face of life an insurance package is an absolute essential for all earning members of a family as well as business. An insurance law lawyer advises the person about the various insurance transactions and they read the insurance laws, previous records of cases which have happened and their proceedings, and select the best policies and protect the client from unfavorable situations.

Business insurance law lawyers work on the company’s contracts and specialize in legal paperwork. New Business ventures require property insurance, liability insurance and workers’ compensation. Property coverage will cover any damage done to the property owned by the business while covering any property owned or rented by the company. Liability coverage will cover any damages caused by any unforeseen circumstances. Workers’ compensation is the coverage of employee health, injury or death. The business insurance law lawyers know that these are the three basic forms of business insurances any business would need. The companies should be wary of exclusion statements in the business insurance law since choosing a wrong policy not catering to their type of business would leave them stranded without a fallback in case of collapse. This is the time to take some calculated risks because that is what business is about, knowing the right amount of risk to take and a business insurance law lawyer knows exactly how much of risk to take. bad faith insurance claim attorney

Insurance policies are not a one time process. It is necessary for you to sit along with your insurance lawyer and review the insurance plans and check the policies that are covering it once in a while so that that are no unhealthy surprises. A good insurance law lawyer with whom you can maintain amiable relations can go a long way in keeping the premium’s low as well as the business afloat. Making sure that you are informed about the whereabouts of the business and the policies covered can tell you where the business is heading to and save you from paying high premium’s for limited options.

Truck Accidents – So Many things Can Go Wrong

Truck Accidents – So Many things Can Go Wrong

There are many causes of truck accidents. Even though large trucks and drivers are governed by state and federal laws and regulations designed to make them safer, the number of large trucks involved in fatal crashes continues to increase. Our lawyers continue to handle cases in which either the driver, the company, or both simply choose to ignore these regulations and laws and endanger the motoring public. Tragically, many times these violations result in serious injury or death. truck accident attorneys

Violations which we frequently see causing or contributing to large truck accidents include:

1. Hours of Service. Driver fatigue often results in dangerous driving practices such as failure to keep in the proper lane and running off the road. The hours that a driver can drive in a certain time period is restricted by federal regulations. Drivers are required to keep a log of the hours driven to ensure compliance. In many cases we have discovered that the driver logs are falsified. Fatigue is such a major problem that the U.S. National Transportation Safety Board attributes it as playing a role in 20-40% of truck crashes.

2. Intoxicated Drivers. Drivers are prohibited from driving while under the influence of alcohol or other drugs. We have been involved in many trucking cases where it was discovered the driver was under the influence of alcohol and/or drugs. In one case it was found that the driver had a combination of methamphetamine and cocaine in his blood at the time his driving behavior caused the death of our client. According to a study conducted by the National Transportation Safety Board (NTSB), one out of every three truck drivers examined after they died in truck accidents had traces of recent drug or alcohol use in their system. he NTSB and the National Institute on Drug Abuse (NIDA) investigated fatal-to-the-driver trucking accidents and performed comprehensive drug screening the bodies of the drivers. The study found that out of 168 cases, 67% percent of the drivers had detectable traces of one or more drugs, 33% had detectable blood concentrations of psychoactive drugs or alcohol, 13% had traces of cannabinoids or tetrahydrocannabinol (THC), 13% had traces of ethanol or alcohol, 8% had traces of Cocaine, and 7% had traces of amphetamine or methamphetamine.

3. Substandard inspection. Drivers and carriers are required to conduct specific inspections of their trucks under the federal regulations. These inspections are designed to reveal unsafe conditions which may endanger the driver and the motoring public. In many cases we find that the drivers and carriers ignore these requirements and allow trucks to travel the highways in an unsafe condition. One survey conducted by the Federal Motor Carrier Safety Administration found that in one year over 2 million roadside inspections of trucks disclosed that 23.2% of the vehicles were found to have serious violations. Unsafe trucks are a leading cause of accidents on the highways. truck accident lawyers

When a truck accident occurs, the trucking companies generally have investigators on-call to respond to the scene. Their purpose is to do everything possible to limit the liability of the trucking company. Unfortunately, many times the police and highway patrol officers do not do a thorough job of investigating the accident and identifying witnesses. This is why it is crucial to hire an experienced lawyer as soon as possible.

We have trained investigators and engineers ready to visit the scene of the accident, inspect the vehicles involved, locate witnesses, and gather information necessary to successfully seek a recovery. By retaining an experienced attorney immediately, victims and loved ones can ensure that their rights and interests are protected

Car Accidents – Most Common Injuries

Car Accidents – Most Common Injuries

Driving related injuries can be ruthless. When a car crashes, there is no telling which part of the human body can get injured. Injury could be anywhere from head to toe. Sometimes, injury can be internal too. Let’s have a look at the common car accident injuries.accident law

Brain Injuries

Goes without saying, brain injuries can be critical and long lasting. A severe blow to the head can actually damage the brain and cause an injury known as TBI. In mild cases, traumatic brain injury (TBI) can heal on its own within a matter of few weeks. However, patients with severe TBI can experience severe damage to critical functions such as eyesight, memory, concentration, speech and emotional control.
Injury to the eye during a crash can cause temporary or permanent blindness. Some people end up with partial blindness. Likewise, injury to the ear can result in complete loss of hearing. Loss of teeth, jaw fractures and ugly facial marks are some of the other injuries that one can experience during a car accident.

Back and Neck Injuries

One of the most commonly experienced injuries to the neck and back during a car crash is Whiplash. It’s generally caused due to high impact on the neck and back. The neck stretches and quickly regains its original position. Since this happens at a high impact at the time of the car crash, it leads to Whiplash. This injury can damage several vital body organs such as ligaments, vertebrae and the spinal cord itself. In some cases, the car crash victim can end up being paralyzed. Neck and back injuries can be extremely painful even if you do not suffer from Whiplash. In worst case scenario, a broken neck during an accident can cause death.

Chest Injuries

Difficulty in breathing or pain that starts almost immediately after a car wreck may suggest that internal chest organs such as heart, lungs or blood vessels may have got damaged. A forceful blow on the chest during a severe car accident can lead to broken ribs, particularly without a seat belt in place at the time of driving. While airbags can come to the rescue, minor fractures and injuries can still take place. A rupture or muscle tear around the rib cage can occur due to the blunt impact. A blow to the back of the chest can lead to injured kidneys.personal injury lawyers

Abdominal and Pelvis Injuries

Injuries to abdominal and pelvis is common during motor vehicle accidents. The kidneys and livers are more prone to injuries during front and side impact. Injuries to these crucial body organs can be severe.

Knee and Leg Injuries

A car smash can cause great degree of pain on the knees and legs. From minor wounds to major fractures, the impact of the crash and body positioning at the time of the car crash determines the severity of the injury. Knees if abruptly twisted are prone to tear that can take a long time to heel.

Foot Injuries

Ankles, toes and feet can get fractured during a car accident. In some cases, they may get sprained. Foot injuries are common with two wheeler vehicles. On an obvious level, a person seated closer to the point of impact is likely to get injured more.
It goes without saying, a major accident can have devastating effects on your life. You can end up with a huge pile of medical bills. Not to forget the fact that you won’t be able to work during the healing period. While you can take help from top personal injury lawyers to win over a car crash feud, the emotional effects of a car accident can be extremely difficult to bear. More information on this website

Knee Injuries – Personal Injury Law

What you don’t know about knee injuries

Oftentimes, knee injuries can occur in an automobile accident and not really show the full extent of the damage until well after the fact. It is in these instances that you should seek the legal counsel of a seasoned attorney. The right lawyer can get help medical experts in building your case.
personal injury law

Act now to protect your knees in the future

Knee injuries can have long-term consequences for the victim. The knee is a particularly complex part of the body, and in some cases post traumatic arthritis will develop long after the original injury. In these cases it is crucial to include the risk of this arthritis in the original claim. With the help of an experienced legal team, you may be able to seek compensation for the following:

ongoing physical therapy
vocational rehabilitation
lost wages
pain and suffering
Common types of knee damage

Car accident can result in any number of traumas to one or both knees. While the injuries are often complex, some of the more common types of injuries include:

Post traumatic arthritis
Reconstructive surgery
Knee replacement
Meniscus tear surgery
Anterior cruciate ligament (ACL) damages
Reflex sympathetic disorder (RSD)
Loose patella

Other knee injuries requiring extensive treatments or arthroscopy surgery

The big killer: Torn ACLs
You may have heard about one of your favorite athletes suffering from this injury, but it’s also one of the most common knee injuries suffered during an auto accident: tearing the anterior cruciate ligament (ACL). Torn ACLs accounts for more than two-thirds of knee injuries. In a car crash, the ACL is usually torn during an intense twisting of the knee joint.accident law
Beyond getting torn, an ACL can also rupture. This injury will render you basically unable to walk at all.

Regardless of whether it is torn or ruptured, ACL injuries sustained in auto accidents usually leave patients unable to use their leg for some time. Many patients require surgery, but at the very least an ACL injury requires a long period of time for the victim to recuperate. This may result in lost wages and a decreased quality of life. We will fight to make sure you are compensated for these injustices.

Is a bruise just a bruise?
NO! Things are not always as they seem. Looks can be deceiving. Do not judge a bruise by its color!

While you may see some discoloration in your knee area associated with some pain you are experiencing, it is not wise to assume this bruise will fade and heal like the ones you used to get on the playground. Damages sustained in auto accidents often reveal themselves to be much mores serious than they initially appear.

Take pictures of any bruises and be sure to see a medical professional immediately. A little discoloration could have a severe injury lurking beneath it that will require surgery down the line. Do not let it go unattended or undocumented.

Contact us
Do not wait for that discomfort in your knee to go away. It may not. In fact it could get worse over time. If you are having knee pains that you believe are related to an automobile accident, contact us immediately. We can help you get the justice you deserve. Find more information on this website

Off Road – ATV Accident Injury

Off Road – ATV Accident Injury

All ATV and Off-Road Vehicles carry some degree of danger with their use. Many people are severely injured and even killed every year necessitating the retention of an ATV and Off-Road Vehicle Accident Attorney. People are much less cautious when they go “Off-Road,” and wear less protective gear like helmets and leather jackets and pants. In addition, alcohol plays a key role in many Off-Road Vehicle accidents as riders mistakenly feel that they can drink and ride because they are not on a public road.personal injury attorneys
Were you severely injured in an ATV rollover or other accident in an off-road vehicle? There is a good chance that the design of the vehicle played a large part in causing your accident and injuries.

ATV and Off-Road Vehicle Accident Attorney
If you have been injured while riding an ATV or an Off-Road Vehicle, contact the experienced Attorneys in our Law Office for a free legal case consultation. Chances are you will have significant medical bills and lost time from work while recovering from your painful injuries. At our Law Office, we fight to get our clients the highest possible financial compensation for any injuries sustained in an ATV or Off-Road Vehicle Accidents. You pay nothing to retain the Best Injury Attorneys until we win your case. Our office has significant experience in successfully prosecuting the claims of our clients injured in an ATV and Off-Road Vehicle Accident and we will get maximum monetary compensation for any injuries sustained.

About ATV and Off-Road Vehicle Accidents
Although the circumstances are based upon the individuality and uniqueness of each case, there is a strong chance that you have legal grounds to file a significant product liability claim against the negligent manufacturer. Unfortunately, these types of accident litigations have been fairly common in recent years due to poorly designed ATVs that have the propensity to roll or tip over even when operated in a reasonable and safe way. In addition to their likelihood of rolling over, these vehicles lack proper safety equipment to reasonably protect the occupants’ arms and legs from being contained on the vehicle. As a result, significant personal injuries can be incurred by the operators of the vehicles including broken bones, crush injuries and other catastrophic physical damages as a result of being crushed underneath the vehicle. In addition, there are also other situations where another ATV driver may have caused the collision that injured you or a loved one. In these matters, the other driver may be held accountable.accident attorneys

To properly find fault in your ATV accident, our firm will thoroughly investigate the matter. We will also use our resources to decide the full and complete value of your claim, taking into account all medical expenses, lost wages and even non-economic damages such as emotional trauma and pain and suffering.

For a free consultation, contact an ATV accident lawyer in our firm today. You pay nothing unless we win your ATV or Off-Road Vehicle Accident case!

Using A Sacramento Bankruptcy Attorney

Using A Sacramento Bankruptcy Attorney To Get On The Right Financial Path

Resolving major debt issues and getting back on the path to financial stability and success is essential for enjoying a comfortable and quality existence. This is true whether you are suffering from major financial issues on a very personal level or as a result of business ownership. bankruptcy attorney

Securing the best Sacramento bankruptcy attorney for addressing your specific financial circumstances will enable you to access all of the neceassary resources, tools and information for setting and achieving your financial goals.

Finding trustworthy legal representation with a speciality in California bankruptcy laws is the first step towards successfully placing your debt in the past. You will need a very specialized type of legal assistance when dealing with bankruptcy issues. This ensures that your representation will be familiar in handling the issues that are most pertinent in your case, that he or she will be competent in locating the best measures for addressing your debt and that he or she is aware of recent changes in California law that impact consumers who will be filing for bankruptcy.

Sufficient Availability And A Consistent Point Of Contact
One very important feature to consider is the nature of the provided point of contact and this true whether you are searching for a reputable Tahoe bankruptcy attorney or a Sacramento bankruptcy lawyer. Having a consistent point of contact ensures that you will always have access to a legal professional who is knowledgeable about your case and is aware of all of the various nuances concerning your specific circumstances. Simply asking whether or not you will have a consistent point of contact throughout the duration of your case can alleviate a lot of the common frustrations in dealing with legal issues related to your finances.

Reputation And Experience
The reputation and experience of the Sacramento bankruptcy attorney that guides your through the filing process will be essential for the successful resolution of your financial issues.

You want to select a professional that has had a history of success with clients just like you. You should additionally make certain to gain representation that can help you in restoring good finanical standing by guiding you to the most beneficial informational and other resources for obtaining and maintaining financial stability. The best Tahoe bankruptcy attorney or Sacramento bankruptcy attorney for your case will be well-reviewed and a registered and respected member of one or more prestigious legal organizations.

You can research the professional reputations of different attorneys in the Tahoe or Sacramento area, in order to find seasoned and reputable legal representation.

Rates That Are Affordable
The rates of any professional are also important to consider as well, especially as you work to resolve major financial troubles. This makes it essential to compare the rates of different Sacramento bankruptcy lawyers, in order to find the options that are most feasible for you. While price is an important consideration, however, it should not be the sole factor in your selection process.

Please refer to our site about information concerning Sacramento chapter 13 bankruptcy.
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Bankruptcy Attorney – Call for Legal Help

Bankruptcy Attorney

When someone calls and has a bankruptcy related question, what they are really seeking is a bankruptcy lawyer. It can be a very simple question such as where is your office located or it can be a very complex question such as how does Chapter 11 differ from Chapter 13? In any event, what I try to do is answer the question to the best of my ability. If it is something that cannot be easily answered over the telephone, then I will invite the person to come to the office for an initial consultation. If I don’t know the answer immediately, I have the ability to research the law on the topic at hand.Tax lawyer

Most of the advice that I give out is dealing with bankruptcy basics. People want to know whether or not they qualify. They then want to know the cost. Most people will qualify for debt relief under either Chapter 7 or Chapter 13 of the bankruptcy code. In rare instances, the debtor will not fall within the filing requirements of either chapter. In those cases, the debtor can explore non-bankruptcy alternatives. Those include working out installment, payment plans or simply avoiding collection efforts.

I often caution against someone who thinks it’s easy to file bankruptcy yourself and avoid the expense of a lawyer. In most cases, the debtor will not be able to handle the filing without a skilled attorney. The laws have changed and way it was done 10 years ago is not how it is done today. In fact, many attorneys who used to file bankruptcy cases are no longer practicing bankruptcy. They simply were not able to keep up with the changes to the law. In the Northern District of Illinois, there is a great disparity between the decisions of the judges. What may work in one judge’s courtroom may not work in the adjacent courtroom.

When someone is thinking of claiming bankruptcy, I invite them in for an initial consultation. I also advise that he or she view several of the lengthy videos on my website. There is so much information out there if someone is willing to take the time and investigate. I have a thirty minute video on Chapter 7 bankruptcy and a 30 minute video on Chapter 7 filing. I find that an informed client is better than an uninformed client. It makes the entire process easier on both parties if there is a general understanding of what is to come. The best advice I can give is to seek help from an attorney who is an authority on the subject. I have made helping people file for bankruptcy my life’s work.

File Chapter 7 Bankruptcy

Of course you do not want to file Chapter 7 bankruptcy. Everyone would first like to explore the alternatives. But just what are those alternatives and are they are good for your situation? The answer is as varied as the number of folks that are in debt. Do you have any assets that can be attached? Do you have any wages that can be garnished? Are you being harassed by creditors for payment of certain debts? If any of those answers are yes, then you may be subject to filing for bankruptcy at some point. The trick would be to get out of debt and yet, not have to file, correct?

That is the promise that many television advertising campaigns seem to tout. If you have more than ten thousand dollars of debt, we can help you. But can they really help you? In my experience, most debt settlement attempts fail and they do so with drastic results. I have had clients who were in debt settlement payment plans for years only to get sued by another creditor. In some cases, the balance did not get reduced accordingly and they lost money to the company itself. In other situations, the debt settlement company wound up claiming bankruptcy. Experience shows that many of the non-bankruptcy options are just not powerful enough.
bankruptcy attorney
You could try to do it alone. You could call your creditors and attempt to make an arrangement. The worst that they can say is no, we want more from you than that. Be careful however, that you do not give up too much information. Any information that you give can be used in an effort to collect on the debt. If you give your employer’s information for example, you may be seeing a wage garnishment coming down the pike. Whatever you do, please don’t file bankruptcy yourself. You have no clue how difficult it is to get a case processed correctly.

Lastly, if your non-bankruptcy options just do not seem to be working, then consider the services of a Chapter 7 bankruptcy attorney. The attorney will know your best options under the U.S. Bankruptcy Code. It may be a Chapter 7 or it may be a Chapter 13. You will not have to make the legal decision. You will only have to make the decision to file if you feel that after receiving all of the information that it is in your best interest to file. No one can or should force you to file for bankruptcy relief.

Everyone Should Have A Living Will

Everyone Should Have A Living Will

 by: David G. Hallstrom, Sr.

According to information provided by an an estate planning and asset protection resource web site, a living will, known in most states as a Directive to Physicians or Healthcare Directive, sets out your wishes about what extended medical treatment should be withheld or provided if you become unable to communicate those wishes. The directive creates a contract with the attending doctor. Once the doctor receives a properly signed and witnessed directive, he or she is under a duty either to honor its instructions or to make sure you are transferred to the care of another doctor who will. Estate Planning

There is an old saying, “nothing is sure in life except death and taxes”. Whether you like it or not, someday you will die. How you die and how it effects the people you leave behind can be affected by whether or not you have a living will.

Say you feel that if you develop an inevitably fatal illness, you do not want any extreme measures taken to prolong your suffering or to cause you additional suffering or loss of dignity while you are dying. Say you have a massive stroke and end up in a coma and according to the doctors you are brain dead or completely unresponsive. You are being kept alive by a bunch of machines and tubes. Now say you had previously told someone, your spouse, one of your children or a parent, that you did not want to be kept alive by extreme measures. That person tells the doctor that you would not want to be kept alive by a machine, however, another family member, who can not take the thought of your dying, tells the doctor that you wanted to be kept alive by any means possible. Now, there is a problem. Remember the seven (7) year court battle over Terri Schiavo.

Both family members love you and both want to do what is best, however they disagree and end up causing great emotional distress to each other and to other people who love you, as well as forcing you to be kept ailve against your wishes while the matter is being settled, and as well as running up considerable medical and legal expenses that have to be paid by someone. None of this would have taken place had you taked the time to have a living will prepared.

Conversely, say that you would like to receive all medical treatment that is available, no matter what. Since you can not speak for yourself, your spouse or a loved one, not knowing your wishes and who believes in dying with dignity, tells the doctor to turn off the machines and let you die. No one else knows what you wanted so the machines are turned off and you die. Had you taken the time to have a living will prepared they would have tried to keep you alive.

The foregoing examples are very black and white and most incidences will vary in various shades of grey, however I hope that you will understand the point that I am trying to get across.

Note: I am not an attorney or a doctor and none of the foregoing should be construed as legal or medical advice. This article is written strictly as my opinion based on life experiences through both my personal life and my work as a private investigator when investigating family disputes. As in all matters of law you should always consult an attorney before taking on any legal endeavor.

Whether you are married, single, young, old, healthy or ill, a living will is an inexpensive way of insuring that your wishes are carried out in the event that something untoward happens. It could also spare your loved ones the emotional distress of being forced to make such an important decision for you. Please visit this website for Estate Planning

Construction Defects Attorney

Construction Defects Attorney

If you have a problem with something that you purchase in a store, you can simply return the item most of the time and get a refund or another item that isn’t damaged. In the new home building construction business, this isn’t exactly how it works, all of the time.Construction defects

All of the products that are purchased are brought to the job site and assembled into the new home. If any of these items are damaged, there’s a good chance that they will need to be removed, if possible and returned to the store that they were purchased from to make the exchange.

That’s okay and usually works… sometimes. If you install a couple of boxes of floor tile and you notice that there is a flaw of some sort after you have installed them, I don’t think the store is going to be happy or interested in having you return floor tiles that have tile grout or adhesive dried on to the back of them.

In other words, some new home construction defects are going to be bigger problems than others. If you notice there’s a chip in a piece of tile, bathroom sink or even a light fixture, don’t bother to install it in the new house. This is the point when it needs to be returned for an undamaged item.

By now you’re probably wondering, wouldn’t everybody do this, isn’t this kind of stuff called common sense. Not when someone’s in a hurry and isn’t really worried about the finished product. The biggest problems with construction defects in new homes is building materials that get damaged by other workers or building materials that are already damaged and installed anyway.

There’s not a lot that you’re going to be able to do about building materials that become damaged after they are installed, but there is something that you can do before they are installed.
We are dedicated to the successful representation of homeowners and homeowner associations in construction defect matters. Please visit our Website here
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If you have recently purchased a home, or are about to do so, you owe it to yourself and your family to understand everything that should be done to make sure that you know everything you need to know about the premises in question. One of the most overlooked aspects of purchasing any home is understanding how construction defects affect new and used home buyers.

Ohio Bankruptcy and How to Get Over It

When it comes to dealing with bankruptcy in Ohio (or anywhere else, for that matter), you require the assistance of an expert. Your is your best bet when it comes to getting prepared for court appearance, keeping you abreast when it comes to bankruptcy law, and taking care of all the fine details involved when it comes to following the proper protocol of filing for bankruptcy. Yes, there are instances where you might have to face a judge in order to deal with the mounting debts of your company or whatever other legal issues that need to be resolved as you go about filing for bankruptcy; this is all part of the process, and how it plays out will depend on your unique circumstances.

You can refer to most any bankruptcyattorneys, and they’ll all confirm this fact by saying essentially the same thing; you require the help of a lawyer just in case things go from worse to worst. Quite a lot of paperwork will have to be filed as well, and all these events… from court appearances to paperwork filing… are important parts of the process that needs to be resolved properly in accordance to the law. A lawyer who knows bankruptcy law like the back of his hand should be there to make sure that no mistakes are made that could prolong your financial cavalry.

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