Comprehensive Coverage or Liability Only : Which One Should I Get?

When it comes to car insurance, one of the major considerations that individuals look for is whether to get comprehensive or liability only coverage. Before deciding on the clause to include on your insurance premium, it is worth understanding first the difference between these two types of coverage. According to the website of Insure on the Spot, the difference lies on two essential things: the type of accident or damage and the budget of the policyholder.

Comprehensive coverage not only pays for damages done to other vehicles and to your own vehicle not just from traffic accidents but also from natural resources. Let us say that your car damaged in a storm or by the snow, you can use comprehensive insurance to pay for the repair of your car. This type of coverage usually includes a deductible, which is an out-of-the-pocket amount for paying damages.

Liability coverage, on the other hand, does not pay for damages to your own vehicle in case of an accident. When you were deemed at fault, the law requires you to pay for any damages incurred by the other driver. In contrast with comprehensive insurance, it does not have a deductible so you will not take money out of your pocket.

So as to the question of which coverage you will need for your car insurance, the answer is it depends on the situation. For example, if the total damages to your car have been calculated, can you afford to shell out money from your own pocket to pay for the remaining debt? Can afford to buy a replacement car for your old one?

If you rarely use your car and can afford not to have one, comprehensive coverage may not be right for you. But if you still have huge debt on your current car and still liable for paying and need additional funds for another car, choose comprehensive insurance.

In addition, if you do not have extra money and rely on your paycheck, a huge car accident can become a problem for you which makes comprehensive insurance the right option for you. Otherwise, the lower monthly payments seems to be the best choice.

So deciding on the better option is dependent on your need and your budget.

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The Three Major Hazards When Using Cranes

Whether lifting materials that weigh lots of tons, moving things inside a warehouse or workshop, salvaging sunken ships, building oilrigs, or constructing high buildings, one piece of heavy machinery that has become totally necessary is the crane.

Cranes make so many types of works, construction works especially, so much easier and faster. In fact, in construction sites, these have become the most essential and important pieces of machinery. To be truly useful and, at the same time, safe, cranes need to be maintained, regularly inspected and operated only by a person properly trained for the job. This is because though cranes are totally beneficial, these also have the potential to wreak the worst damage on any job.

According to the Center for Construction Research and Training (a division of the Center to Protect Workers’ Rights (CPWR), a 501(c)(3) non-profit organization), crane related accidents claimed an average of 22 lives each year from 1992 to 2006. Hundreds or others, however, are reported to have suffered serious injuries including broken bones, brain injury, spinal cord damage, or partial or complete paralysis.

The three major hazards identified with the use of cranes include:

  • Electrical hazards. About 50 percent of crane accidents are due to electrocution – when any metal part of a crane comes in contact with a high-voltage power line. The greater danger when this happens is that, besides the crane operator, workers nearby will most likely also suffer electrocution.
  • Overloading. Exceeding a the crane’s lifting capacity can result to tipping over, structural failure, or the crane itself, with its load, plunging down to workers and passersby, killing or seriously injuring them on the spot.
  • Falling materials. When using an overhead crane, it is very important that workers make sure that materials to be lifted are properly secured, otherwise, the load may slip and cause serious injuries and property damages on the ground.

An injury lawyer probably knows how severe injuries can be in accidents involving cranes, especially if the accident is one wherein a crane collapses. While no crane operator, work supervisor, contractor or subcontractor would want an accident to occur, if one does, occur, however, then they can be legally required to fully compensate victims of accidents for whatever damages they will suffer. Seeking the assistance of an experienced personal injury lawyer for the purpose of pursuing compensation may be a big help for victims to get the financial help they will need for all the necessary medical treatment needed.

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Understanding Product Liability

Product liability is the duty of seller or the maker of commodities or items which triggered trauma in the goods through flaws. Anybody who’ve suffered an injury as a result of a defect in a product that they have purchased and used has an underlying Cause of Action from the people that have created, made, equipped, and offered the commodity. According to the website of the Houston products defect attorneys of Williams Kherkher , although many product-liability cases are concerning the flaws in production and layout, consumers additionally have the right to submit a personal injury suit on instances where the manufacturer failed to provide mandatory warning labels or directions on the way the products ought to be handled and used.

It is the duty of the producers to provide advice about the dangers inherent in the goods that they create and market, as well as give you the right instructions of how exactly to use them, otherwise when an injury happens due to this neglect they are able to be held liable for product liability. In order to verify that the manufacturer was negligent in providing cautions and important directions, the plaintiff should demonstrate the makers was (1) conscious of the perils that is included with the commodity, (2) had the duty to alert their consumers, and (3) dismissed this responsibility resulting to the consumer getting injured while utilizing the merchandise. In court, the complainant should demonstrate all three factors to be able to acquire the case.

The principle that relates to product-liability is also the same basics which are utilized in individual injury suits, and harms resulting from carelessness or carelessness of some other man are reasons for claiming damages. It is important to find out which kind of product liability case you’ve got in order clearly present your statements in court and to comprehend.

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3 Tips You May Not Have Known for Effective Content Writing

The written word is an ever evolving art. The younger generation has even developed an almost coded language through the use of social and new media. Language is constantly fluctuating and new content is being distributed every single day. Your website can look amazing but, according to the website of Kinetic Word, not pull in any new clients or inspire new conversation if there isn’t content that is as equally amazing as the visual design.

In order for your website and company brand to gain a reputable online reputation and rank well in searches, your website needs to be able to offer effective and fresh content at a consistent pattern.

Here’s a bit of help to get you started.

First of all, when in doubt: write lists. There is no definitive study as to why audiences these days prefer list-like articles. In theory, it is because lists often offer new pieces of information as well as some more familiar facts. These facts are then provided with a fresh new explanation and validate your knowledge. (It has also been observed that audiences like lists that end with an odd number. Why? Science has yet to figure that out.)

Second tip? Format your blog posts using the bold and italicization features. The main reason for this is that in blog posts, large walls of text are often seen as intimidating or a chore. Little breaks within the text allow for the content to be more readable, thanks to the stylistic choice, especially if the article in question is quite lengthy. It is in the same basic principle of cutting paragraphs through the insertion of photographs. It’s a more subtle way of breaking the monotony.

Lastly, hire a content writer. It seems like an obvious choice to make but you’ll be surprised to see websites that have business owners who insist on writing their own content. The thing about writing that is most often overlooked is that it takes a certain amount of time, heart, and practice in order to be able to write well and write effectively.

Anyone can string a few words together and form a sentence but true writers are a rare breed of communicators who know how to speak with their audience and how to best capture a reader’s attention through the written word. If you don’t have the funding or facilities necessary for an in-house content writer, there are plenty of businesses that offer content writing services.

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Important Facts About Flammable Clothing Accidents

Just this month, the Consumer Product Safety Commission (CPSC) has issued several recalls for clothing with flammability standards issues. A lot of these March 2015 recalls involve clothing intended for children. The latest, dated March 12, is for youth loungewear pants by M&M’s world Store. As noted by the Burn Survivor Resource Center, more than 4,300 cases of serious burn injuries associated with clothing have been reported in the U.S. every year during the last decade or so. Unfortunately, majority of these cases involved children aged 5-14 years.

Depending on materials used by manufacturers, certain clothes can pose a serious risk for burn injuries. Accidents can easily happen at home, especially when there are curious children involved. This is why government regulations impose certain flammability standards. The Federal Flammable Fabrics Act, for example, imposes policies that help regulate the use of flammable fabrics in clothing and household textiles. The Children’s Sleepwear Standard Act, on the other hand, aims to make sure that children’s clothes meant for nighttime should be fire-resistant and have extinguishing properties.

While helpful and integral to consumer safety, these regulations can only do so much. Sometimes, things can still slip through the cracks. What if a product is recalled only after an accident has already happened? As consumers, we can’t rest too easy. We still need to be vigilant about the products we buy for ourselves and our children. Even more, we need to make sure our homes are free of risks that can make clothing fire accidents possible.

Most flammable clothing accidents are caused by common ignition sources found around the home. Thankfully, practicing good safety measures can prevent these accidents from happening. Objects such as matches, lighters, candles, and flammable liquids such as paint or cleaning materials should always be safely kept from the reach of children. Clothing fires can also start from neglecting to turn off space heaters or extinguish fireplaces, especially at night. It’s important to check your environment for any fire hazards before heading to bed.

The website of Tennessee personal injury lawyers Pohl & Berk LLP says that burn injuries can lead to long-lasting effects such as severe physical pain, mobility issues, and scarring. They can also cause emotional and psychological trauma, especially when the victims are young children. Because of these devastating outcomes, we should all do our part in making sure our homes are safe from flammable clothing accidents.

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Marijuana is “high” on the List of Texas

Mary jane, pot, weed, joint, sticky icky, hash, reefer, wacky tabacky, grass, cannabis…these are just some of the names that refer to marijuana. It is a plant derivative that when smoked or otherwise ingested acts as a psychoactive drug that has a number of effects such as inducing a sense of euphoria or stimulating the appetite. In some states, it is legal to have and use marijuana if it is medically prescribed, and there is a general tolerance for its private use. Unless, of course, you are in Texas.

Texas has been named as one of the worst five states to be charged with possession of marijuana in the US. Every year it tops the list of states with the most arrests and criminal prosecutions for possession of marijuana. In one year alone, more than 77,000 people were arrested for it and even first-time offenders spent 180 days in prison and paid a fine of $2,000 when convicted. As pointed out in an article on the website of Ian Inglis, marijuana possession is no laughing matter in Texas.

Law enforcement in Texas have adopted a virulent attitude towards marijuana users, and make arrests for trivial amounts even with the law that gives police the option to issue a summons instead. This could be a reflection on the state’s lawmakers, who are reluctant to reduce current penalties for recreational use of the drug as proposed under House Bill 458 introduced in 2011 ($500 fine and a Class C misdemeanor for possession of one ounce or less of marijuana) and categorically rejected.

There is no denying that illegal drugs are the bane of any society, but it should perhaps be put in perspective. The potential danger posed by a small amount of marijuana for recreational use perhaps does not justify the punishment the possessor faces when convicted, but until the law is changed, it would be wise to avoid it altogether while in Texas.

If you are charged with marijuana possession in Texas, make sure that you cover your bases. Consult with a reputable criminal defense lawyer in the area and avoid the penalties that come with a conviction.

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Maintaining Respect and Friendship between Parting Couples through Mediated Divorce

The process of divorce is always a demoralizing and emotional experience, especially for one who does not want to end the marriage. Besides the costly court fees, divorce cases also usually last a long time, affecting not only the divorcing couple’s daily personal activities, but their time at work too.

Besides the divorce case itself, there are other issues that the couple will need to settle which, if they cannot agree on amicably, will have to be decided by the court instead. These divorce-related issues may include child custody and support, visitation rights (of the non-custodial parent) alimony or spousal support and division of property, assets and debts.

Since the laws that cover divorce and all other issues related to it are complex, requiring the assistance of a good family lawyer becomes necessary; and couples need to know that the more knowledgeable and experienced their legal counsel is, the better their rights and interests would be fought for – but all these also require additional costs.

Aside from court settlement there is another way through which a divorce may be settled – one that is guaranteed to spare the couple from lengthy courtroom time and costly fees – Mediation.

Mediated divorce is a private process and does not require the presence of a lawyer (though any of the partners may be assisted by one if he/she wishes). Through the help of a mediator, who is chosen by the couple and who makes suggestions regarding what may be the best options (to settle divorce and all other issues) based on the couple’s circumstances, the couple makes the decisions on how everything will be settled.

There are other benefits that make the mediation process more advantageous than court procedures, some of these include:

  • Confidentiality: while the couple have a free hand in making decisions that will work best for both of them, their personal lives and interest are also kept from becoming public news and gossip. In the mediation process, whatever transpires is kept between the couple (and their lawyers, if they each have one) and their mediator.
  • Cost: a court settlement can take weeks, months or even a year to finish, while a mediation process may take only hours or days, saving the couple from incurring off time from work and costly court fees.
  • Compliance: since the issues were decided by the couple, making sure that each party abides by the decision is more ensured.

The mediation process is gaining greater popularity in settling divorce and other related issues as it also makes the process less stressful for the divorcing parties. The process also builds an air of respect and friendship that may determine the couple’s attitude towards each other, even long after the divorce has been settled.

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Capital Drivers Crash Twice as Much as Anyone Else

A recent report from the Allstate America’s Best Drivers pinpoints Washington, D.C. as a city where drivers crashed nearly three times as frequently as the national average in 2013. If you are a driver in the nation’s capital, you are likely to be involved in a vehicular crash every 4.8 years. New York drivers, including cab drivers, are involved in car accidents every 7.3. years, while Houston and Chicago average 8 years. Other danger zones include the cities of San Francisco, Newark, Philadelphia, Los Angeles and Miami.

In contrast, drivers in Colorado clock in at 13.9 years, earning the encomium as the safest state to drive in nationwide. Other safe places to be for motorists include Sioux Falls in South Dakota, Madison in Wisconsin, Boise in Idaho, Tucson in Arizona, and Brownsville in Texas, plus 15 other cities, most of which have less than 500,000 inhabitants.

The report concludes that driving in the big city is inherently more dangerous than in small towns. This is understandable as there is less traffic and emergencies, fewer public transportation and large vehicles, and infrequent crosswalks which constitute the cause of most car accidents. Another factor may be the faster pace of life in the big city, where everyone is rushing about and doing several things at the same time, leading to speeding and distracted driving.

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Understanding Long-term Disability Repayment

It can happen that the Social Security Administration (SSA) will overpay a beneficiary, and may ask for long-term disability repayment. According to the website of the Hankey Law Office, P.C., a law firm in Indianapolis, Indiana is one of the states with the lowest approval rates compared to the national average. The most common reasons for an overpayment are:

  • Failure to inform the SSA of changes in your financial situation
  • Marriage
  • Improvements in physical disability
  • Return to work or increase in income
  • Errors made by SSA in computation or double payment of benefits

In Indiana, the Social Security Disability Insurance (SSDI) benefits of a claimant are based on the determination of the state’s Disability Determination Service Bureau, but they can make mistakes in approval as well as denial. When the SSA eventually learns of the overpayment, they will send a letter to explain why an overpayment was made and request a long-term disability repayment. Even when the overpayment is not your fault, you are still obliged to pay it back unless you can get a partial or full waiver. The letter should also specify your options for payment and the right to appeal both the overpayment and long-term disability and request a waiver if:

  • It will represent a hardship for you to repay the amount overpaid
  • You do not believe it was an overpayment

However, it is important to communicate your concerns with the SSA as soon as possible. Ignoring the letter may result in wage garnishment or asset seizure to cover the amount owed. The SSA will always work with a beneficiary to make long-term disability repayment as painless as possible, but still it may be a stressful and difficult process.

If you are disputing the overpayment claim, or requesting a waiver, you may have to go through a complex process that is not always easy for a layman to make sense of. It would be best to consult with a long-term disability lawyer in Indiana to assist in your case.

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FMLA Employer Rules in Texas

The Family and Medical Leave Act of 1993 is a federal law that requires covered employers to provide eligible employees with unpaid leave for medical and family reasons without fear of losing their position or job. In Texas, the law is reiterated under the Texas Government Code in Section 661.912 (Family and Medical Leave Act) although it is essentially the same as that described by the federal government. There are no special state laws regarding family and medical leave aside from the FMLA in Texas. Even then, according to the website of Houston-based Habush Habush & Rottier S.C., covered employers still attempt to deny eligible employees with their rights under the FMLA.

Private and public employers in Texas with a minimum of 50 employees within a 75 mile radius in the previous 20 weeks or so are covered by the FMLA. To comply with the regulations, all employers covered by the law should:

  • Post a notice of FMLA employer responsibilities and employee rights
  • Include adequate information regarding the FMLA in the employee handbook or as part of the orientation for new hires
  • Determine if the leave being requested by an employee may qualify as FMLA leave and to inform the employee if it is, and the deductions from FMLA entitlement that will result

Employers are barred from refusing an eligible employee’s request to avail of FMLA or to discourage employees from applying for FMLA benefits. An employer may also be subject to sanctions for discriminating or retaliating against an employee who has applied for FMLA, complained of unlawful behavior of an employer regarding the FMLA or for filing or testifying against an employer for FMLA-related charges.

FMLA enforcement is undertaken by the Wage and Hour Division of the Department of Labor, and will receive complaints and allegations of FMLA violations against employers in Texas. Furthermore, an employee may be eligible to bring a civil case against a noncompliant employer. Check with an experienced FMLA attorney to know more about your options.

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