A Car Insurance Overview for New Drivers

For first-time drivers, getting car insurance can be a bit daunting, and the cost of car insurance seem too much for new drivers to afford. High car insurance premiums is the leading reason for why first-time driver prefer not to get car insurance, but this could be a big mistake on their part. What first-timer drivers should understand is that car insurance companies charge them in with higher premiums because statistically, young and first-time drivers are more likely to get involved in an accident, making them high-risk clients.

For the already overwhelmed first-time drivers who wish to get car insurance, there are basically four factors that they should keep in mind: the minimum liability in your state, the basic type of additional coverage, picking out the right deductible for the insurance, and shopping and comparing car insurance quotes. As with any state law, there are key differences when it comes to the minimum liability for car insurance. There are two types of liability insurance: first the property damage insurance that would cover the damages done to another person’s property after a car accident, and the bodily injury insurance that would pay for injuries endured after the car accident. Although the state does require the driver to have at least the minimum liability insurance, they can hardly cover for the damages, particularly for serious accidents. It would therefore be safer to consider getting a higher car insurance policy.

Next, know the different kinds of additional coverage that can be added to your car insurance policy. Among the most important ones are the underinsured and uninsured coverage, which could come handy when you get involved in a car accident with someone who have no car insurance or does not have enough to cover for your expenses. Additionally, a Personal Insurance Protection would help cover for the medical expenses that you will endure in an event that the other driver does not have enough to pay for the hospital bills.

A car insurance deductible is the amount you have agreed to pay out of your pocket once a car accident happens. Having a higher deductible could lower your car insurance premiums, but it could cause heavier costs should a serious car accident occurs and you are left with little insurance. Lastly, compare insurance quotes. Companies such as Habush Habush & Rottier S.C. ®, know how important it is (especially for first-time drivers) to have as many options as they can get regarding car insurance. There are options of going online or getting hold of the Insurance Department in your state to ask about insurance quotes, since this would help you in deciding which ones you would get your car insurance.

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Who is Responsible for a Dog Bite?

For people who have been injured due to dog bites, the dogs’ owners can be held liable for the injuries. Any injuries or damages to the property done by the dog can be reasons for the dogs’ owner to be sued. Settlement can be pursued without the help of a lawyer, but most of the time the injured party often files for a personal injury lawsuit against the owner of the dogs. Filing a personal injury lawsuit would help in making the owner liable for the full extent of the damages and/or injuries that the incident has done; likewise, it helps in keeping the insurance companies to move on the lawsuit.

Filing for a personal injury lawsuit for dog bites is only necessary if you have a valid case and when the possible result of the case is worth the time and money you have put into it. There are certain differences between states on how they approach or handle dog bites in personal injury cases. In the state of Texas, for example, follows the two-year statute of limitations for personal injury lawsuits. Failure to file a case within the two-year period will forfeit your right for compensation, and the court will not hear your case on court.

Additionally, statues that include civil liability regarding dog bites are not followed in the state of Texas. Instead, Texas courts follow the Restatement of Torts section 509 that adopts the “negligence” or “one-bite rule” where the victim should be able to prove that (1) the dog’s owner was aware of the dog’s nature to bite and had acted aggressively before and (2) the negligent actions of the owner to restrain or control their dog resulted to the injuries or damages.

According to the website of the Law Offices of Williams Kherkher, of Houston, negligence rules can be applied to dog-related injuries, such as being knocked over by a large dog that resulted in significant injuries. There are exceptions to the rules, however, such as if the dog was being provoked or if the owner did not really know the aggressive nature of their dog. Likewise, the law does not apply to trespassers.

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Considerations for Business Owners

The threat of negligent hiring litigation is a very real threat, not only for the potential employee, but most importantly for the company. Any employer or company runs the risk of being in the wrong end of a lawsuit following negligent hiring practices. When companies or employers are aware that an employee is unfit for the job or duty but hired them, which then resulted to the employee being injured during employment, then the company or employer can be held liable for negligent hiring.

The principle of negligent hiring centers on the idea that every employer has the duty protects their clients and employees from injuries that could be caused by their employees. Protecting the employees as well as “third parties” from any possible negative acts of an employee is part of an employer’s responsibility, thus when the employer hired someone without first conducting any background checks they are liable for negligent hiring.

Conducting pre-employment screening and testing is a must for companies, regardless whether it is a small or big company. According to WorkSTEPS, conducting a pre-employment screening and testing could greatly reduce incidents of abuse and fraud, provide a safer work environment, increase the productivity, and even lower the modifier rates and Worker’s Compensation premiums. Anything that the potential applicant is lacking to qualify for the open job position will be shown when pre-employment screening and testing is done before the hiring. This could potentially save the business from unnecessary lawsuits and preventable accidents.

Any business lawyer will know that protecting the company from potential lawsuits begins with proper background and reference checks. Moreover, different states has their own laws regarding the whole employment process, therefore business lawyers advise that employers follow state laws regarding the whole hiring process if they want to avoid legal issues such as negligent hiring or wrongful termination lawsuit, among others. Any legal issues that will be put against an employer by their employee can be bad for business, and could potentially make or break the company.  If the employer wishes to avoid such legal problems, then proper pre-employment screening and testing (in accordance to the law) would be the best answer.

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When to File a Medical Malpractice Lawsuit

Most people think that getting press on their medical malpractice lawsuits would be enough to help win the lawsuit, but this is not always the case. Although there has been a lot of news regarding people filing for medical malpractice lawsuits as well on product recalls. These are often only about those who won their medical malpractice lawsuits. More often than not these verdicts result in the defense (the doctor or hospital) winning the case.

Among the most challenging things in a medical malpractice lawsuit is proving the doctor or hospital’s negligence and convincing the judge or jury about this negligence. The patient (or the patient’s family, in case of a negligent death) should be able to prove in court that negligence caused the injuries or death of the patient. This negligence can come in the forms of errors in prescription medications, mistakes with anesthesia dosages, or surgeries, delayed treatments, patient confusion, or poor medical staff communication. Unless the judge or jury sees that the doctor or hospital made a very obvious mistake, doctors or hospitals are often given the benefit of the doubt, acquitting them of negligence.

This is where the need to find a qualified medical malpractice lawyer becomes necessary. Medical malpractice is different from a standard personal injury case. As the website of Crowe & Mulvey LLP of New Hampshire suggests, medical malpractice lawsuits are a specialized area of personal injury law. If you want a strong lawyer as legal representative for your medical malpractice lawsuit, find someone who is disciplined in medical malpractice cases and is able to deal with the complicated nature of medical evidence. Next, it is vital to ensure that you hire a medical malpractice lawyer because most insurance companies will not negotiate a settlement when they believe that the lawyer does not have enough experience in medical malpractice cases.

Another factor that should be considered is the hesitation of doctors or hospital staff to testify against their fellow medical practitioner, therefore making them unavailable witnesses. Qualified medical malpractice lawyers, on other hand, have their team of qualified doctors who can become witnesses on their behalf. Lastly, because they are more familiar with these doctors and this type of cases, medical malpractice lawyers have the financial resources to back up their clients in need.

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