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Posted by on Oct 21, 2016 in Car Accidents | 0 comments

How Serious are Head-on Collision Accidents?

The National Highway Traffic Safety Administration (NHTSA) says that head-on collisions are among the most dangerous types of auto accidents. Its usual results include life-altering injuries and wrongful death.

Driver error is the major cause of car accidents, especially, head-on collisions. causes of this type of accident include: inattention or driving while distracted; a driver drifting into oncoming traffic; making a dangerous passing maneuver; a driver who, knowingly or unknowingly, drives the wrong way on a highway or residential road; driving at excessive speed; driving while intoxicated; or, falling asleep at the wheel. These, as well as many other possible causes of head-on collisions, are often due to negligence or reckless road behavior, which can easily be prevented.

Though only about 2% of the more than five million motor vehicle crashes in the U.S. annually may be accounted to head-on collisions, this, however, results to more than 10% of the 32,000+ driving fatalities. Non-fatal head-on collision accidents can most likely result to severe injuries, like spinal cord injuries, brain injuries, broken bones, and paralysis, among others.

The awareness of many drivers about the possible severe consequences of head-on collisions is one of the major reasons why they never want to get involved in this type of car crash. A number of local governments, on their part, have installed stretches of steel wire cable in large highways to keep head-on collisions from ever occurring at freeway speeds.

A driver, whose negligence or recklessness causes a head-on collision accident, should be held liable for the consequences of his/her carelessness. However, one major concern regarding this type of accident is the difficulty in determining who is at fault in the accident since the impact can send both vehicles in positions different than during the time of impact. It would usually necessitate an accident reconstruction specialist in order to determine who was at fault based on the skid marks on the road.

Car accident law firms, like the Karlin, Fleisher & Falkenberg, LLC, for instance, agree that the challenge in determining fault and in claiming compensation during litigation (if ever a lawsuit is filed) plus the need to deal with your car insurance provider are the reasons why it may be necessary to have a highly-competent car accident lawyer fighting for your defense and your rights.

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Posted by on Jun 20, 2016 in Car Insurance | 0 comments

Guidelines For Finding Car Insurance With Bad Credit

So you have bad credit? But that does not have to stop you from getting car insurance. With a little investigation, you can still find companies that will offer an insurance policy even if you have poor credit rating. According to the website of Habush Habush & Rottier S.C. ®, there may be more options available to you than what you initially thought.
Having bad credit score is one of the primary reasons that you may not be able to get a low insurance rate. The good news is that there are plenty of ways you can work around having bad credit and still qualify for car insurance. Here we will give you some tips on how to get car insurance even with a bad credit.

1. Look for discounts
If you are in luck, there are insurance carriers that offer a wide range of discounts to bad credit drivers. Check if you are eligible for a discounted car insurance package. If you have maintained a good driving record despite your bad credit, you might be able to avail of a discount for lower premiums.

2. Choose a higher deductible
Another way you can avail of car insurance even with a bad credit is to increase your deductible. The only downside is that you must be willing to shell out money from your pocket in case of an accident.

3. Get only what you need
Some insurance companies offer coverage that you might not need. Liability coverage is required in most states so you cannot do away with it. You may drop collision or comprehensive coverage from your policy.
Car insurance is a necessity in the United States and not having one is against the law. Don’t let your bad credit stop you from availing of car insurance. All it takes is a little bit of creativity on your part.

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Posted by on Feb 5, 2016 in Car Insurance | 0 comments

Carrying Car Liability Insurance or the Financial Responsibility Law: A Mandate in 48 States

If ever a driver gets caught without car liability insurance, except in the states of New Hampshire and Virginia, one of the punishments he or she may face is suspension of his or her driving privileges and, in order to have these privileges reinstated, he or she will have to carry an SR-22 filing which is required by a court. An SR-22 is a certification that a driver’s car insurance provider would send his or her state’s Department of Motor Vehicles (DMV) to prove that he or she is already insured; it is required of drivers cited for driving without insurance or those whose license has been revoked or suspended.

In 48 US states, carrying car liability insurance, otherwise known as the financial responsibility law, is a mandate. Financial responsibility, when talking about car insurance, refers to money a driver is obligated to pay a person whose property has been damaged or who has been injured in an accident wherein said driver is at fault.

Proving financial responsibility can be done through carrying car insurance or through any means that is approved by the state, such as: filing a government bond; keeping cash deposit; or, posting a surety bond. The need to prove financial responsibility becomes necessary if a traffic enforcer stops you and asks for your car insurance, when you register your car or renew your driver’s license, or if you get involved in a traffic accident.

Despite being a mandate, however, many drivers, according to the Insurance Research Council, continue to drive without carrying auto liability coverage. This is because many drivers say that insurance coverage is simply expensive. Well, this is a sad truth, especially since many car insurance providers find all means possible to increase premium payments by looking at a driver’s age, driving experience, driving history, and the type of car that he or she drives.

According to Milwaukee, WI car accident lawyers, however, proving financial responsibility is a mandate, thus, violating it can only result to punishments and regret. The best recourse for drivers, therefore, is to get an insurance quote online for the best, yet totally affordable car coverage.

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Posted by on Nov 10, 2015 in Injuries from Cruise Ship Excursions | 0 comments

Understanding Cruise Ship Excursions

Plenty of individuals consider going on a cruise as the perfect strategy to vacation and encounter numerous locations. While enjoying the relaxation given by attractions and the many comforts available onboard while on a cruise ship, you can make their trip to the destination. As they might their means from one stop to the next vacationers may also enjoy the breathtaking see given by the open-sea. It comes as no surprise that cruise liners are appreciated by travelers of ages.

The encounter becomes even more pleasurable once their destination is reached by cruise ship travelers and get involved on other inland and trips actions. Several cruise lines provide their people together with the choice to participate in a variety of activities they are able to enjoy while the boat is docked in a place that is given. Travelers may try snorkeling, scuba, sailing, and kayaking, along with trekking and horse riding. Some ships provide the ability to eco-cultural tours.

Regrettably, specific incidents that may take place in these cruise ship excursions may set of passengers at risk. As mentioned on the website of the cruise ship lawyers of The Vucci Law Group, P.A., there were plenty of cases when outings and inland actions end in accidents triggered by specific risks and mistakes. In some instances, these accidents are serious enough to trigger harms.

The following are just common examples of trip risks and mishaps:

  • Dock Accidents – Cruise ships that fail to correctly pier may cause sudden lurching as well as additional unforeseen movements which result in slip and fall injuries.
  • Tender Accidents – Travelers are transported through small boats called tenders in the ship to the coast, before going on excursions. Mishaps may occur while folks are boarding and disembarking this car, also as in case the tender has been controlled by way of a dangerous driver.
  • Motor Vehicle Injuries – While about the trips itself, passengers are carried in autos that could be vulnerable to collisions from different places.
    Defective Equipment Injuries – Malfunctioning products and faulty tools may also make trip activities especially harmful for people.
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Posted by on Nov 9, 2015 in Personal Injury | 0 comments

Lawsuits and Car Accidents

Motor vehicle collisions are regrettably a typical happening in our roads and highways. Although we do our best to avoid injuries and maintain ourselves and loved ones safe, there are numerous additional motorists with aggression and reckless driving behaviors that could endanger people and additional motorists. Negligent or deliberately dangerous driving behaviors that lead to injuries and accidents can be taken to court. Personal injury litigations in addition to additional legal charges can be considered contrary to the motorist at fault, and they’ll be asked to provide reparation for each of the damages brought on by the accident, whether they’re from lost wages, medical bills, and other harms.

Because there are many concerns that should be answered and issues to take care of being wrapped up in an auto crash may be both confusing and terrifying. Insurance protection together with vehicle accidents can differ from state to state, therefore selecting an attorney who understands and knows the laws affecting these can make personal injury lawsuits run more smoothly.

Alternatively, filing a claim would simply take a long time and a claim against an underinsured motorist may call for more effort. This is because some injuries may take a while to learn the extent of treatment and drug; once your attorney and you have confirmed the extent of injuries and damages is more compared to additional driver’s liability coverage, then it would be secure to inform your insurer about filing for an under-insured state.

For your personal insurance provider regarding the vehicle accident you’ve been involved, a notice should be given by you along with your lawyer’s aid with, and also this letter of notice should inform your insurer of your intention to apply for a claim that is uninsured. It is vital that you just deliver this notice immediately since several insurance providers have strict deadlines regarding filing for uninsured statements. If the individual doesn’t provide any info on her or his insurance, or at fault will not have insurance, or you might have difficulties getting insurance advice in any manner possible, then it would not be inadvisable to publish a notice to your insurance carrier regarding the filing of an uninsured claim.

The insurance provider generally gives the settlement that the at-fault motorist is in agreement with when an injury suit is filed against an individual responsible for the mishap. The insurance company will be the one that will pay for all the damages listed in the charge, particularly if the person at fault has a coverage that is comprehensive. However, there are times where the person who was responsible for the accident is either uninsured or underinsured when acquiring compensation and this poses issues.

The procedure for filing for an underinsured or uninsured car accident state is just about the same as filing for absolutely any injury claim. Nevertheless rather than filing against one other driver’s insurance firm, they will be filing against your personal insurance provider. Tests, a disclosure of investigation, evidence and medical records, and experience reviews and recommendations will soon be done, but what every motorist should remember is the fact that when a resolution isn’t reached or decided, you’ve got no power to prosecute the insurer.

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