The Effect of Expensive Insurance Policies to Millions of Drivers in the U.S.

According to the Insurance Research Council, an independent, nonprofit research organization, more than 29 million drivers and car owners in the U.S. continue to drive without insurance. This translates to one in every eight drivers on U.S. roads and highways. Car liability insurance is a document that drivers need to show whenever they renew their driver’s license, re-register their car, get pulled over by a traffic officer or when they cause an accident. Failure to prove that they are covered can result to suspension of their driver’s license and driving privileges and may be required by the court to file an SR-22, a certification of their purchase of a car insurance policy which, this time, will cost more expensive (the SR-22, by the way, usually lasts for three years and require an additional fee on top of the insurance premiums that drivers need to pay).

Carrying car liability insurance is mandated in all U.S. states (except in the state of New Hampshire where drivers may instead deposit securities or money with the state treasurer). If being insured is truly a mandate, however, then how is it that millions of uninsured drivers are able to renew their license and car registration?

What many of these drivers usually do is purchase a policy, but only for the purpose of re-registering their car and license. After having done these, they stop paying the premium which they consider is too costly to maintain. Auto insurance firms, on their part, will, of course, neither hesitate nor delay in canceling the coverage due to non-payment.

Well, affirming that insurance policies are expensive is not deviating from the truth. Millions of drivers and car owners are paying premiums that are actually twice as much as they need to pay. Despite the unnecessarily expensive coverage, no one from the insurance firm will voluntarily tell drivers about the possible reductions in their premium unless they ask.

Drivers and car owners, however, do not have to pay for a costly car insurance coverage and still get all their insurance needs. According to the website of Insure on the Spot, free online car insurance quotes allow drivers to compare as many as a dozen quotes all at once.

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Importance of Workers’ Compensation

While not every job requires its employees to use automobiles, many do. Unfortunately, this condition may raise the risk of an employee being associated with a car accident by a considerable amount. As the harms that often appear from car accidents might be quite serious and, therefore, expensive to treat, it is important that employees who have to use automobiles for their jobs are alert to the workers’ compensation benefits which they might qualify for if they take part in a car accident while performing job-related tasks.

According to the website of Habush Habush & Rottier S.C. ®, any company employing one or more workers, whether full or part-time, are expected to possess some types of workers compensation. This is mandatory so that workers who are hurt while carrying out their regular job responsibilities possess a way to obtain financial protection in the event that they can’t get back to work or incur costs that over-extend their financial abilities. With regards to the automobile injury, a worker can find themselves facing fiscal consequences and tremendously burdensome bodily harms. In cases such as this, workers’ compensation rewards may not be dispensable, as they frequently provide fiscal stability and security.

Injuries from Automobile Mishaps

Some are noticed more frequently than others, although the harms that may occur from vehicle accidents are widely varied. For example, one of the more commonly reported injuries in the USA that arise from work-related automobile accidents are:

  • Broken bones / brain injuries
  • Concussions
  • Back / neck and fractures
  • Brain injuries
  • Spinal-cord injuries

Vehicle accidents might be hugely pricey and daunting, especially when they result in an individual to suffer from these or other injuries. Should you or a person you know be engaged in a car accident while on the job, contact a skilled injury lawyer today to discuss obtaining compensation for your friend or yourself. Vehicle accidents could be frightening and very expensive, particularly when they result in an individual enduring additional injuries.

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Just How Many Bottles of Beer can Get One Impaired?

In his book entitled, “One for the Road,” which looks into the roots of drunk driving, Barron H. Lerner, MD, PhD, says that Americans’ love for drinking and driving are both embedded in the nation’s culture. This may probably be the reason why many Americans still drive while under the influence, despite the risk of a DUI or DWI charge that is accompanied by heavy fines and imprisonment.

Driving under the influence (DUI) or driving while intoxicated (DWI) is a serious criminal charge, whether the charge is a misdemeanor (for first time offenders and without causing any property damage or physical injury) or a felony (imputed on repeat offenders, or first time offenders whose blood alcohol concentration (BAC) level is way above the 0.08% limit or who injures/kills someone in an accident) .

Based on a blood alcohol concentration measurement chart released by the Centers for Disease Control and Prevention (CDC), the following number of beer bottles would result to the following BAC levels:

  • 2 bottles of beer = 0.02% BAC
  • 3 bottles of beer = 0.05% BAC
  • 4 bottles of beer = 0.08% BAC – the BAC limit in all US states
  • 5 bottles of beer = 0.10% BAC
  • 7 bottles of beer = 0.15% BAC

Based on CDC records, more than 1.4 million drivers were arrested in 2010 for driving under the influence of alcohol or illegal drugs; the number of deaths due to alcohol- impairment was 10,322 in 2012 and 10,076 in 2013.

For many Americans, a few bottles of beer with friends or colleagues or a shot of 80-proof liquor (vodka, gin, whiskey, rum), especially during weekends, would definitely not hurt; rightly so, but only if they do not drive afterwards. Most of those who had been charged with DUI are first offenders who have never even supposed that the amount of alcohol they consumed would impair their driving and lead them into an accident that would injure someone and damage properties. Worse, there have even been cases wherein multiple deaths have resulted, simply because someone chose not to observe the anti-drunk driving law.

Injuries will definitely make victims and their families suffer physically, emotionally and financially. Due to this, courts allow them to receive compensation from the liable negligent party that caused the accident and the injury.

According to the website of the Abel Law Firm, receiving this kind of compensation can be a long, complicated process. The court will first have to be convinced that the person being blamed for the accident was truly at fault and behaved negligently.

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When Pilots Talk too Much, and Air Traffic Controllers Are Tired

An unfortunate combination of factors led to the death of 47 passengers and two crewmembers of Comair Flight 5191 on August 27, 2006. A majority of the passengers were from Kentucky, including a newly married couple on their honeymoon. The only survivor was the first officer, which investigators identified as the one who was actually piloting the aircraft at the time of the accident. He sustained serious injuries in the crash and has no memory of what transpired. He is now a paraplegic.

Initial investigators placed the cause of the accident as pilot error. The air controller of the Blue Grass Airport assigned Runway 22 to the Comair aircraft for takeoff. However, the pilot mistakenly steered the aircraft to the secondary, unlit Runway 26, which is too short for a safe takeoff. The air controller had not noticed the error, having turned away from the controls after giving the pilot the green light. Comair Flight 5191 taxied down the wrong runway with the first officer at the wheel and crashed on a low brick wall and into a dense copse of trees.

This particular mistake of mixing up Runway 22 and 26 happened again in 2007. However, this time the air controller was able to cancel the takeoff before anything happened. This suggests that there is some confusion over identifying the runways.

The families of the passengers sued Comair, Delta Air Lines which wholly owned it, the pilots, and the Blue Grass Airport Authority, and the Federal Aviation Authority. Most of the plaintiffs settled out of court.

This accident is an example of how chance plays a big part in negligent accidents. The pilots violated Sterile Cockpit Rules by engaging in small talk during a takeoff, the air traffic controller was alone on that shift which is against the rules, and the airport was under construction at the time. However, the website of the Sampson Law Firm personal injury lawyers points out that chance would not have much of a foothold if each negligent party did their part in observing reasonable care in doing their jobs.

If you sustained serious injury in a negligent airplane accident, you should not take a chance either. Consult with an experienced personal injury lawyer in your state to discuss your legal options.

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How to Store a Mattress

Storing a mattress is tricky, and can result in deformities if not done so correctly. Although they seem like they can be thrown any way into a storage unit, there are proper techniques on how to transport and place your mattress. Following these suggestions will helps sustain the mattress in the long run.

Primarily, using a climate-controlled storage unit for your mattress is key. If the temperature increases and moisture forms, the mattress can mildew. Having a climate controlled environment ensures that the material of the mattress is preserved.

Regarding the storage of the mattress, it should never be on its side. When a mattress is left on its side, the internal structure can remain permanently in that position. Then, once taken out of storage, the bed is shifted. Storing the mattress vertically might require a higher ceiling, however will yield an untampered bed.

Conditions of storing the mattress for a longer period of time are minimal. When the mattress is stored for more than several days, it should be wrapped. This prevents dust and other particles from settling into the cushions. It also provides a barrier for insects and water from getting to the mattress. Furthermore, nothing should sit on top of the mattress. This could lead to permanent indentions from the object.

This Ben White mini storage website features an all-encompassing list of packing and storing tools and tips. Following procedure can be difficult and time consuming, however saves effort in the long run. Mattresses can last up to fifteen years, and following these suggestions help a mattress reach its life expectancy.

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Morcellators and the Danger of Cancer

The Morcellex Sigma, the Gynecare X-Tract and the Gynecare Morcellex are power morcellators that are acknowledged to be among the best engineered morcellators in the market. Besides ensuring optimum performance and reliability, these medical devices from Ethicon, Johnson & Johnson’s power morcellator manufacturing unit, also guarantees faster performance and smoother and more efficient tissue morcellation (the cutting up of large masses of tissues into tiny pieces).

The US Food and Drug Administration began approving the use of morcellators in laparoscopic surgical procedures (such as hysterectomy, which is the removal of the uterus, and myomectomy, or the removal of uterine fibroids or myomas) in 1995. And, because the device allowed for the performance of a minimally invasive surgery, which meant very tiny incisions on the abdomen (four 0.5 – 1cm long incisions, actually), less pain and less blood, and wounds that would heal fast, surgeons began preferring to use it and perform laparoscopic surgeries, rather than the longer, more bloody and much more painful traditional procedures, which included vaginal hysterectomy and abdominal hysterectomy, which specifically required 5 to 7 inches abdominal incision.

About 600,000 hysterectomies are performed in the US every year; more than 50,000 of these are laparoscopic surgeries. A hysterectomy is performed to treat the following conditions: pelvic inflammatory diseases; cervical cancer, ovarian cancer or uterine cancer; uncontrollable vaginal bleeding; chronic pelvic pain; uterine prolapse; adenomyosis; and, endometriosis.

According to the website of Williams Kherkher, despite the many benefits provided by a morcellator, the FDA found it necessary to discourage surgeons, through a safety notice that it released on April 17, 2014, from further using it in laparoscopic surgical procedures, especially in myomectomy. This notice is based on a medical literature report that linked the morcellator with the spread of cancerous tissues, namely uterine sarcoma, beyond the uterus. With no device capable of detecting these cancer-bearing tissues, surgeons are not able to determine whether or not a female patient, who will undergo myomectomy, is infected with it. Thus, during the process of mincing the uterine fibroids, the sarcoma tissues, if there are any, get minced as well. However, as all minced tissues (fibroids and sarcomas) are suctioned out of the uterus, the removal of everything is often not guaranteed. And it is these left behind tissues that cause the greatest harm, which is the development of leiomyosarcoma, a rare yet aggressive cancer.

About two weeks after FDA’s safety warning, Ethicon responded by voluntarily withdrawing from the market its three celebrated devices and suspending the devices’ distribution and the worldwide sale. Many, however, believe that harm may already have been inflicted by Ethicon’s morcellators, as well as by those from other manufacturers. Prior to April 2014, a number of lawsuits have already been filed by women already diagnosed with leiomyosarcoma; many lawsuits are still expected to be filed.

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Child Injury: Safety Products Gone Wrong

Items meant for children must be manufactured with added care. Children, after all, are far more precious and naïve. Most of the younger children will even pick anything up and think it a plaything when it is anything but.

It is in the responsibility of their parents or guardians to make sure that some products are fit for a child but sometimes, some products slip from quality control, making a product available for a child when it is unsafe, defective, or malfunctioning. Some products can be almost lethally hazardous in their defect and should that be the case, legal action is advised.

There are many products that are available for mass consumption that are designed for the use of a child. Some of these include strollers or specifically designed and constructed car seats. In moments of immediate danger, it is important that the child can be taken to safety at the first opportune moment. What if the car seat then refuses to open due to a malfunctioning lock? As unfortunate and unlikely this circumstance may be, it is more than possible; in early 2014, there was a major recall of car seats from Graco for this very problem. It isn’t just hypothetical as these scenarios are very real – and they could happen to you and your child.

According to the website of the Ausband & Dumont Law Firm, children cannot file their own lawsuits. For a legal matter concerning a child, it must be through a “next friend”, who is usually the child’s parent or legal guardian. Children cannot be blamed for the injury that comes to them if the incident was born due to an adult’s negligence. And a child is so much more susceptible to psychological trauma, ergo more likely to be shaped by unfortunate circumstances, than adults are. It is important that their rights be recognized and fought for by those who should know better.

If a product has developed a fault, the manufacturer of the product is liable to legal consequences that result from these defects. If you or someone you know has been made the victim of this unfortunate circumstance, it is advisable for you to seek out legal assistance immediately.

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Your Family Can Be Proud Of Your Personal Injury Case Success

Navigating personal injury situations can be difficult, particularly for those who have never death with a similar event in the past. The key to ultimate success is to find a great personal injury lawyer and work together with the to build an effective case through you can receive the compensation you deserve. Keep reading to learn more.

Find a bar association to help you locate a lawyer nearby. This is the best way to check an attorney’s reputation and track record in their community.

Contact your local state bar and ask whether they have any referral services with relevant recommendations. Of course, you still need to spend a few moments researching any referral that you receive. Check the recommendation’s background and qualifications prior to establishing contacts. This is a great way to find reputable professionals in the industry.

Information on www.pohlberkattorneys.com warns to be cautious in your dealings with insurance companies. You may have to come in contact with an insurer, so make sure to be on guard when this happens. The purpose of these businesses is to have the matter solved as fast as possible. Consider talking to a lawyer before agreeing to any settlement.

Finding the right lawyer for a personal injury case often means trying at smaller law firms. Big firms don’t put these type of cases high on their to-do list, so you may find that your case is handed down to lower level attorneys with little experience, leading to a less positive outcome.

Dealing with the aftermath of a personal injury event can be a truly wrenching experience. Hover if you know what to expect in such a case and are able to secure the services of a talented personal injury lawyer, your chances of success are far greater. The preceding article should have given you just what you need to get started.

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Increasing Crop Production through the New Green Revolution 2.0

It is evident now that whatever lack there is in natural fertilizers, which farmers need to increase production of crops, is being solved via technology. Technology enables scientists to manufacture artificial fertilizers, which, quite obviously, have better effects than organic fertilizers, which still require the use of today’s water, land resources and energy (which are becoming less available), because these man-made fertilizers reduce the crops’ need for water and energy, yet ensure greater and more nutritious yield.

With the need to feed more than seven million people all over the world, the introduction of these synthetic fertilizers to the agricultural industry could never have been more timely. It is true that what the world needs is more than just having enough food to eat. Food also ought to be more nutritious. Various studies have consistently shown how much the people in poorer communities are deprived of nutritious food or are lacking in vitamins and minerals due to the lack of nutrition in the food they prefer to eat.

Green Revolution 2.0 is the answer scientists have with regard to this dilemma that affects many people, most especially the poor. Through artificial fertilizers, however, breeding more nutritious crops is no longer a key concern.

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White Collar Crimes

Most people associate crimes with obviously disreputable individuals, or those with a seedy past. But there are quite a large number of nonviolent crimes perpetrated by seemingly respectable people in responsible situations or high social positions for financial gain. The opportunity to commit these types of crime is often dependent on the position held by the perpetrator in business institutions or society, which is why it is referred to as white collar crime.

The term “white collar crime” was first used by sociologist Edwin Sutherland when he gave a speech to the American Sociological Society in 1939. It referred to crimes committed by the “unusual” suspects and these are usually difficult to prosecute because of sophisticated efforts of concealment.

According to an article by Kyle Sampson, Attorney at Law, the actual penalties for a white collar crime conviction are typically less severe than that for nonviolent crimes, but that is not really the point. Because white collar crimes are committed by those in a position of trust, even a mere accusation of fraud, embezzlement, industrial espionage, antitrust violation, and the like is enough to ruin a person’s reputation and career. It is not enough that a dismissal is secured due to lack of evidence or an acquittal because of reasonable doubt. There needs to be no doubt in the minds of the relevant people and institutions that the accused could ever have been involved.

This can be tough to pull off. Once people have the seed of doubt planted in their minds, it can be very difficult to take it out since people are inclined to believe the worst. It would need aggressive legal representation to avoid having the charges being formally filed in the first place, and to do effective damage control if the charges push through to a trial. If you are ever charged of a white collar crime and your reputation is at stake, say nothing and consult with an experienced white collar crime lawyer at the first opportunity.

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