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.

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.

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.

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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.

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 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 unsafe conditions. 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.

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

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