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Personal Injury Attorneys

A person who suffers a loss or has been injured in some way due to the negligence or actions of another has recourse under the law in the US If he can prove that financial or physical loss he has suffered was the fault of another person or organization, he can approach a personal injury attorney to seek compensatory and punitive damages on his behalf. For instance, if he is in a car accident caused by a drunk driver and is injured or disabled in the process, he can seek compensation from the other driver.

Personal injury law, also known as tort law, covers claims arising from a wide range of situations such as wrongful death, medical malpractice, and defective products to accidents, discrimination, and worker's compensation. A victim can make a claim for loss of income arising from physical disability or emotional distress or for damage to property.

A qualified personal injury attorney will help a plaintiff file a proper case and secure fair compensation for the loss or injury. Usually, such attorneys charge contingency fees, payable only after damages have been recovered. A personal injury attorney must be chosen carefully, based on his experience with similar cases and his success rate. Make sure you choose one who has had experience dealing with insurance companies that most often represent defenders in personal injury cases.

An experienced personal injury attorney will settle a claim out of court, as most defenders want to avoid publicity and costly trials. If a case does go to court, a skilled attorney will be able to provide persuasive evidence in your favor and secure the best compensation possible. While there is no minimum or maximum settlement, it will depend on the actual nature of the loss or injury and how long the effects are expected to last.

If you are the victim of a physical injury or have suffered a health loss, income loss, or loss of property or reputation due to the negligence or malicious intent of another, contact a reputed personal injury attorney and claim appropriate compensation. The law allows you to do so. …

FR44 Insurance in Florida: Smart Tips and Helpful Hints

It has only been since 2008 that Florida requires FR44 insurance for their DUI drivers. Many agents and most consumers are unfamiliar with this policy type. The information here is not well-known and is invaluable to convicted drivers. Securing a lower cost policy and getting your license reinstated quickly is not a problem when you have the right information.

Many companies desire these polices . As a risk group, DUI drivers in Florida have recently proven to be especially profitable for insurance companies. This new realization comes about due to the ease of identifying and assigning results exclusive to DUI drivers because, they are the only ones that require FR44 insurance. Prior to 2008, DUI drivers were included with all other high risk drivers and required Florida SR22 insurance.

The State requirements for FR44 insurance policies, such as elevated liability limits, non-cancel provision, and others, are such that help make them profitable for companies. Therefore, a good number of them are competing with FR44 insurance quotes that have low rates and good terms.

Companies include key policy discounts. Car insurance policies include substantive discounts for high liability limits, paying in advance, and having priority coverage. Even though a DUI driver is designated to take these options via Florida FR44 insurance, the associated policy discounts are applied. Companies simply make no distinction between drivers voluntarily choosing these options and those compelled to do so. Secure every discount to achieve the lowest rate available and let go of any notification that you do not qualify for any because of a DUI on your record. Policyholders are often surprised and relieved at how affordable FR44 insurance is after discounts are applied.

Several policy types qualify for FR44 filing. A standard car insurance policy, a non-owned vehicle policy, and a recreational vehicle policy are the main types that can include a Florida FR44 filing. Vehicles with less than four wheels are not required to have $ 10,000 of Personal Injury Protection coverage (PIP insurance) included in their policy which is mandatory for all cars and trucks in Florida, and it is very expensive. A non-owned vehicle policy also excludes PIP. Rates vary greatly between policy types and many consider changing their vehicle or doing without one, especially to take advantage of not having to buy costively PIP coverage. You can receive a citation while driving any type of vehicle. You can comply with Florida FR44 insurance requirements on any type of vehicle, or without one alike. The State no longer accepts a filing on polices that have vehicles with less than four wheels.

Beware the DMV and Driver License Check Online. Before you can reinstate your license at the DMV the FR44 filing must be electronically transmitted by the insurance company to the Florida Bureau of Financial Responsibility and processing takes about 48 hours. Some drivers have presented a hard copy of the FR44 certificate, to the right clerk at the DMV , and got their license reinstated immediately. It is not uncommon that …

Car Insurance Quote – "Women" Get Better Deals Than "Men"

If in the details you give for your car insurance quote "woman" or rather that you're female is indicated, it sure means lower rates all other things being equal. However, if a man does those things that make insurers love women he will get lowered rates too. In the same vein, if a woman does not do those things that makes insurers prefer the female gender she could pay much more than a man or even find it difficult to get an insurer.

Women have general training that endear them to insurance companies. One of such is that women are generally more safety and security conscious. Women are usually more vulnerable in unsafe conditions and they therefore ensure by nature that they are not caught up in such.

This trait is transported behind wheels too. Women are less prone to stunts than men given similar temperaments. This reduces the likelihood of accidents. And, the lower the chances that claims will be made by any profile, the lower the rates insurers charge them.

However, a woman's driving record could prove otherwise. If a woman gets speed tickets as often as she retouches her hair she'll definitely pay much more than most men. If at the extreme, she gets convicted for grievous offenses like DUI (Driving under Influence), she may find it hard to get an insurer.

Women get lower quotes because as a group they are more safety conscious than their male counterparts (At least as shown by accident records). Therefore, anyone who shows in anyway that they are very illegally to have an accident will also get lower insurance rates.

You can also lower your cquote (woman or man) by getting as many quotes as make sense from reputable insurance quotes sites. I recommend between three and five quotes sites for the best results. Compare the quotes returned and you will make reasonable savings (a few hundred dollars) or if you're very lucky, outstanding savings ($ 1000 or even twice – People have made such!). …

Statutes in U.S. Healthcare System

The healthcare field is the subject of a host of federal statutes, regulations, guidelines, interpretive information, and model guidance. There are a considerable number of statutes and regulations that have an impact on the delivery of healthcare services. A statute is legislative enactment that has been signed into law. A statute either directs someone to take action, grants authority to act in certain situations, or to refrain from doing so. Statutes are not self-enforcing. Someone must be authorized to do so to take action. A statute may authorize the Department of Health and Human Services to take action, and it is up to the department to implement the law. Regulations, or rules, are made by administrative personnel to whom legislatures have delegated such responsibilities. It is a tool for developing policies, procedures, and practice routines that track the expectations of regulatory agencies and departments. The statutory and regulatory requirements are subject to judicial interpretation.

A very important element of healthcare management is to understand the key regulatory environment. One government statute that effects patient healthcare is the Anti-Kickback Statute. The Medicare and Medicaid Patient Protection Act of 1987 (the “Anti-Kickback Statute”), has been enacted to prevent healthcare providers from inappropriately profiting from referrals. The government regards any type of incentive for a referral as a potential violation of this law because the opportunity to reap financial benefits may tempt providers to make referrals that are not medically necessary, thereby driving up healthcare costs and potentially putting patient’s health at risk. The Anti-Kickback statute is a criminal statute. Originally enacted almost 30 years ago, the statute prohibits any knowing or willful solicitation or acceptance of any type of remuneration to induce referrals for health services that are reimbursable by the Federal government. For example, a provider may not routinely waive a patient’s co-payment or deductible. The government would view this as an inducement for the patient to choose the provider for reasons other than medical benefit. While these prohibitions originally were limited to services reimbursed by the Medicare or Medicaid programs, recent legislation expanded the statute’s reach to any Federal healthcare program. Because the Anti-Kickback statute is a criminal statute, violations of it are considered felonies, with criminal penalties of up to $25,000 in fines and five years in prison. Routinely waiving copayments and deductibles violates the statute and ordinarily results in a sanction. However, a safe harbor has been created wherein a provider granting such a waiver based on a patient’s financial need would not be sanctioned. The enactment of the 1996 Health Insurance Portability and Accountability Act (HIPAA) added another level of complexity to the Anti-Kickback statute and its accompanying safe harbors. HIPAA mandated that the OIG (Office of Inspector General) furnish advisory opinions to requesting providers that are either in an arrangement or contemplating an arrangement that may not fit squarely within the law. For a fee, the OIG would analyze the arrangement and determine whether it could violate the law and whether the OIG would impose sanctions …

Saving Your Budget With Cheap Auto Insurance

With the increasing fiscal difficulties in the financial world, it is imperative that families and individuals save as much money as they can with everyday purchases, and the best way they can do this is by purchasing cheap auto insurance.

Different Auto Insurance Providers

Although most insurance companies claim to offer the best services at the lowest possible prices, the cold hard truth is that they all give you pretty much the same coverage for relatively the same price. A little checking around for cheap auto insurance is by far the best thing you can do to save money. Using services that compare rates is generally the best option, as you can see what other companies are offering for a similar plan of coverage.

As is the case for almost any product or service you are potentially buying, it is best to try to find the lowest prices by searching around and exploring all options. A lot of the time, you can save money on your car insurance by opting for electronic statements instead of paper statements, as this equates to a lower cost for the company itself.

Steps to Take to Reduce What You Are Paying For Coverage

While there are differences between the prices of different companies, one of the largest factors that can affect your car insurance cost every month is the amount of offsets that are listed on your driving record. The major things that affect your record include:

  • The number of accidents on your record for which you are at fault
  • The number of speeding tickets you have incurred
  • Any sort of driving that has occurred while under the influence
  • And other traffic violations that have added points onto your driver's license.

In a lot of states, you are able to take steps in order to get points removed from your license, which can greatly affect your monthly rates. …

Rethinking The Oil Change Business Venture

Annual quick lube survey, is it still viable?

I wish to comment on the Fast Lube Business and the annual survey done by Auto Laundry News, one of the few Industry Magazines for the car wash industry. In this 2001 survey, we see an increase on the number of locations out there. Yet the leader of the Industry is by far Jiffy Lube. We see variations on theme, but we can safely say that Jiffy Lube has adapted best to the American public and their desires when it comes to oil changes.

This survey showed the average customer would drive 5.7 miles to get an oil change. If 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the customers would drive 5.7 miles and 80{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the customers usually come from a three-mile radius to get a car wash, I see additional synergy. These car washes with oil lube centers are getting a further reach than the industry average. This is great news for those carwashes adding oil lube bays, but also it takes up space and if not marketed correctly it will not work. The survey was quick to show that oil change facilities do best in middle class areas, not high-end areas. They do poorly in low-income areas. This all makes sense. Free standing car washes were the most likely to have oil lube facilities on there properties. Interesting too is that minimum wage was not prevailing, normally the companies pay $8.00-10.00 per hour. Makes realistic sense and I believe good help starts in this country at $10.00 per hour in most metros and $8.00 hour in rural.

Only 23{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the fast lubes had a website. Only half had internet access in the locations. Average employees were 5 full time and 3 part timers. Luckily for the image of this industry 74{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} had specific uniforms. The average shop had 3 bays, not enough to do the volume if adequate blitz marketing and community based marketing were taking place. Average revenue was $32.00 per car. That is an awful lot of upselling since the average advertised price that I have noticed is around $19.99. Less than 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} were open on Sundays? Bad mistake since there is no time to change oil and wait in line for most Americans. Average monthly gross was $2,400.00 per month per bay?

This is shit, this is not even a viable business, these people are wasting their time. Think about it, you have cost of oil and filter too and labor? Forget that news. I question the viability of the entire oil change industry. The largest Jiffy Lube franchisee in the country with 180 units was de-listed from NASDAQ and so was another prominent auto care and lube company recently. I like the Kwik-Lube Company and feel they are doing it right, but also question the ROI of such an endeavor seeing these results and the cost to build the building and time to build it. One good thing that the oil lube bays have going for them is the …

How to Easily Afford Dental Implants

The way most people ask about how much dental implants cost sound very much the way they would ask how much a car costs and with good reason. As with cars, the cost of which will depend on what type and model of car you require, the cost you pay for implants depends on how many implants you need and why you need them.

On a good day, patients can expect to pay anywhere between the amounts of $1,200 to $3,000, not including any of the fixtures above it or anything else to hold your teeth in. If you’re going to pay for the implant, the piece that goes into it, the crown on top of that and grafting materials, this could set you back about $3,500 to $4,000 for that type of implant. OK, so it is actually closer to purchasing a new car but the thing is, dental implants last longer and well, even if you have the flashiest car around, if you mumble or slur your words because of ill-fitting dentures or bridges, then the car may actually be a better investment.

The good news is, you can actually find dental implants that won’t break the bank. Dental implants that are affordable don’t easily come by but with a lot of patience you may be able to find one at about half of the total cost and maybe even ones for free. All you need to know is where to look.

The first thing you need to do is discuss your options with your dentist. He or she may be able to come up with affordable payment plans or allow you to pay for your implants in installments. He or she may even suggest that you get dental discount cards that they participate in, ones that offer at least 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}-50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on dental procedures and are usually valid for a year.

Another way to afford your dental implants is to shop around for dental insurance policies that cover a substantial part, if not the full price for dental implant procedures. While most dental insurance policies won’t cover dental implants because it is considered cosmetic procedure, it is better to have at least a part of it covered than having to pay for it all when your budget clearly doesn’t allow it even if you need it.

You can also try to browse for cosmetic dental clinics online that offer payment plans for their patients to get dental implants. Find sites that accept Hicaps and most reputable health cards, as well as credit through any financing institutions. Sites that allow you extended payment options ensures you get the treatment when you want it and when you need it without worrying about how to pay for it.

It is also recommended that you take advantage of your benefits package at work if you have any. Flexible spending accounts (FSAs) allow you to contribute money from every pay period before they are taxed, and this is the same money you can …

8 Tips to Save Money on Car Insurance

Since car insurance is costly, most consumers don’t want to use it. Buying the right coverage is important, but it costs more to get a new car insured. Give below are a few tips that can help you save money on your car insurance. Read on.

Annual Rate

You can check out some websites to compare different insurers online. While you can’t get a quote immediately, you will get a reply soon from the agents of the company. You may want to consider making a relationship with a good independent agent. They will help you check rates of tons of carriers.

Pick a Good Insurer

Saving money is not about looking for the lowest premium. Actually, some providers offer lower rates of premium. However, they end up charging you more at the end. As a result, you pay more for replacing the parts of the original equipment. In some cases, the provider may increase your premiums post an accident.

The Deductible

With a higher deductible, you will have to pay lower premiums. The reason is that you will be paying more in case of a claim. For instance, if you increase your deductible to, say, $500 from $200, you can cut down on your premium by 15 to 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. So, if you choose $1,000, you will be able to save as much as 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.

Review Your Coverage

Liability coverage will pay for your property damage and bodily injury in an accident. It’s not a good idea to reduce your liability to the minimums set by the state. While buying more coverage can seem a strange way of saving a lot, you can enjoy this benefit only if you have a big, expensive claim. As a result, your life savings are at risk. What you need to do is consider your personal injury medical payments and protection coverage.

Use the Discounts

Keep in mind that car insurance providers offer discounts based on the fact that the client has a low-risk lifestyle, such as students, new drivers, experienced drivers and affinity members, just to name a few.

Multiple-Policy Holders

Some providers offer hefty discounts provided you buy your renters, homeowners or life-insurance policy as well. However, make sure that you consider total costs of single-insurer packages and premiums of various providers.

Good Credit Score

Some states let insurance providers use your credit rating to set your premiums. What you need to do is check and fix errors on your credit report. If your rating has been affected by job loss, divorce or any other reason, you may ask your provider for an exception.

Choose Your Car Carefully

For auto insurers, vehicle damage may cost a lot. Therefore, the premiums are set based on the auto model. You may want to ask your provider for estimates on different car models.

So, we suggest that you check out these 8 tips if you are going to buy car insurance and want to save some cash with the purchase. Hopefully, you will be able to …

What to Know About Child Insurance?

Life insurance plans are designed to make life easy for their beneficiaries. The life insurers study the problems that a person can face and device financial solutions to ease them. One of the big problems many people struggle with is to provide a sound future to their kids. Cost of higher education is really back breaking and is one of the biggest stress causing factors among parents. To ease this problem to a good extent life insurance companies have come up with a specialized plan called child insurance.

Child insurance plans carry dual benefit for the child. First, they help generate a good corpus by investing the premiums in a fund that can either be endowment based or ULIP based. Second, they provide a life cover to the investing parent of which the child is the beneficiary. In case of the death of the policyholder, the insurance company waives off the future premiums and continues to invest in that fund on the policyholder’s behalf. Moreover, it pays a lump sum or period amount for the maintenance of the child. Thus, these plans protect the interest of the child even when you are not with him/her.

Saving money on our own can be difficult as we cannot be that much disciplined unless we enter into a plan which necessitates us to deposit a particular amount or else it would lapse. Such routine is mandatory for systematic saving and investment. The returns from other funds or investments can get spent on other things. That is why it would be better if you have a dedicated child plan in your investment portfolio of which only your child would be the beneficiary.

As per financial experts, investing in such a plan should be started as early as possible to have more time for your money to grow. Ideally you should start comparing child insurance plans of various companies as soon as you know about the pregnancy. There are over a score of companies selling such plans and offer differentiated plans to stay competitive. Effective plan comparison and market research shall ascend you towards the most suitable plan from a reputed company.

For effective comparison you may try services of an insurance web aggregator. On a web aggregator website you can compare plans of scores of companies at a single web location and that too free of cost. Such effective comparison brings more confidence in your purchase and helps you take educated steps in selecting your plan type. Based on such comparison and analysis you can decide whether to go for an Endowment based child plan or a ULIP based child plan. Comparing premiums with your budget you can decide how much cover to go for.

If you are a parent then initiate the process now without wasting further time. Your smart actions now would earn you enormous gratitude from your kid in the future. Don’t miss the opportunity to have that puffed up chest when your kid makes a lucrative career for himself. His …

What is a Healthy Eating Plan?

Healthy eating is important for everyone, from babies to the elderly. Learning to eat well is more than just eating a variety of foods so that your body gets the proper nutrients. It is also about enjoyment of foods and maintaining a healthy weight. Anyone can eat for good health. It involves 2 simple steps. First is to eat foods from all the different food groups. The second step is to eat a variety of foods from each group every day. Sounds simple. However so many people are not following a healthy eating plan. Busy lifestyles, availability of fast food, advertising and a lack of understanding of what healthy food is, all work against people trying for healthyier eating. Unhealthy eating causes illness and weight problems. Type 2 diabetes is increasing dramatically and is directly linked to the increase in obesity. Heart disease and some cancers are also linked to obesity.

A study by the Medical Journal of Australia found that 56{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of Australian adults are considered overweight or obese. This is a 61{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} increase in obesity since 1991 Un-treated obesity poses significant, even life-threatening health risks.

Everyone understands the importance of having car / home / insurance. Have you considered the importance of nutritional insurance? This means eating the foods that will protect you against future disease, and understanding the benefits nutritional supplements can provide.

If you are currently not following a healthy plan you will be surprised that you are most likely not eating enough. You may need to increase the amount of food you consume.

Daily Food Suggestions

Fruit 2-3 servings, Vegetables 5-7 serves, Protein 3-6 serves, Whole grains 2-3 serves, Dairy 2-3 serves

Antioxidant Super Foods

Antioxidants help prevent cellular damage. Eat plenty of foods rich in antioxidants such as almonds, berries, citrus, carrots, spinach, tomatoes, and bell peppers.

1. Top your cereal with almonds or berries; Add tomatoes to sandwiches, soups or stews; Layer your whole grain bread sandwich with slices of peppers and fresh spinach.

2. Pack a snack bag of nuts, baby carrots, grape tomatoes, and bell pepper slices for a nutritious pick-me-up between meals.

3. Protein snack bars carry easily for quick energy and a tasty treat.

Calcium

Calcium is the super nutrient that keeps bones and teeth strong. Now research shows that low-fat dairy also helps people lose weight! The best sources of calcium come from the cow.

1. Start your day with a protein rich breakfast. Add a bowl of whole grain cereal topped with skim milk and fresh fruit for a breakfast of champions.

2. Snack on low-fat yogurt or cheese between meals for an energizing treat.

3. Calcium-fortified juices and cereals are excellent alternatives to meet your three-a-day requirement.

Fiber

Fiber does wonderful things for the body, from lower cholesterol levels, keeping you regular, and sometimes preventing certain cancers. Grandma called it roughage and we need plenty of it each day.

1. Read food labels to find whole grain breads and cereals that provide three or more grams …