Carrying Auto Liability Insurance – The Wisest way of Demonstrating Proof of Financial Responsibility
Proving financial responsibility is a law in all 50 states in the U.S. This law specifically requires a driver to prove his or her capability in paying for damages in accidents wherein he or she is at fault. Financial responsibility may be proven by:
- Carrying auto liability insurance, which is the requirement in all U.S. states, except in New Hampshire; or,
- Depositing securities or money with the state treasurer or filing an SR-22 (these are in lieu to purchasing an auto insurance policy, a practice allowed in New Hampshire).
(In the state of Virginia, as an alternative to carrying auto liability insurance, drivers may, instead, pay the state’s Department of Motor Vehicles (DMV) the required uninsured motor vehicle fee, deposit cash with the state, obtain a self-insurance certification, or secure a surety bond
Showing proof of financial responsibility is required in about four different instances:
- When a driver gets pulled over by a police officer;
- When a driver gets involved in an accident;
- Upon renewal of a driver’s license; and,
- During vehicle registration
For drivers, carrying auto liability insurance is the most common way of demonstrating proof of financial responsibility. The type of insurance coverage that a driver needs to carry depends on the liability system existing in the state where he or she resides. In 12 states (Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah) the “no-fault” auto liability coverage is required. Under this “no-fault” system, payment for losses and damages, which includes cost of medical treatment, lost wages, etc., are made by each driver’s insurance provider regardless of who was at fault in the accident.
Thirty-eight other states recognize the “tort” or “fault” liability coverage, thus, they require their drivers to carry a “tort” insurance policy. Under this tort system, besides being compensated by the at-fault driver’s insurance provider, an accident victim may file a civil lawsuit against the at-fault driver for further claims. This usually happens if the compensation paid by the insurance company does not fully cover the losses suffered by the victim.
Though a requirement, the Insurance Research Council (IRC) says that more than 29 million drivers in the U.S. are uninsured. This is due to the high cost of insurance policies. According to one independent car insurance firm, however, specifically, Insure on the Spot, drivers can have insurance coverage that best fits the specific needs but without paying more than they should. Independent car insurance firms have made it their business to help drivers and car owners find the best insurance deals at the lowest prices. They do these by offering free online insurance quotes which will allow drivers to compare deals and prices offered by various insurance providers.read more
Commercial trucks and 18-wheelers dominate the road and are often carrying a very heavy load. These vehicles can be a hazard to everyone driving near them. Many safety precautions go into truck driving and these standards are maintained by managerial trucking companies. They are responsible for properly training drivers and equipping them with the skill set needed to drive a large truck.
Unfortunately, negligence occurs within these trucking companies. They are supposed to assure the best training and safest working conditions possible, but when this doesn’t happen, accidents happen. In an attempt to cut corners and increase profits, training isn’t always as proper or extensive as it should be. Logically, a typical vehicle doesn’t stand much of a chance against a large 18-wheeler. Life-altering or even fatal injuries could result from a trucking accident.
Truck drivers work under a lot of constraints that lead to them being pressured by the company they work for. According to the Cazayoux Ewing Law Firm, truck drivers are often pressured to complete their routes in an unreasonably short amount of time or else the company may be held financially accountable. Here are four forms of negligence that could occur on the part of the trucking company:
- Hours of service violation: When driving a commercial vehicle, the driver can only be behind the wheel for 14 hours at a time. Fatigue can set in beyond the 14th hour and this leads to careless accidents. According to the National Highway and Traffic Safety Association, drowsy drivers involved in a crash are twice as likely to make performance errors as compared to drivers who are not fatigued.
- Negligent hiring: A truck driver should have experience and a good criminal and health record. If a company hires an employee without fully screening them, they could end up causing an accident.
- Failure to train: Improper training can often occur within the inner workings of a trucking company. Without the correct training, accidents end up being harder to avoid because prevention was never taught the right way.
- Failure to maintain vehicles: Trucking companies are responsible for maintaining their equipment. Maintenance negligence leads to the trucking company being held liable for damages resulting from any malfunction.
It can be quite the scary thing to get on the wrong side of the Internal Revenue Service (IRS). In fact, if you are questioned for auditing, regarding your taxes, it is more than probable that you were already on the IRS’ radar for months. This would put you at a disadvantage, especially if you had very little knowledge on the differences between tax avoidance and tax evasion.
Because, yes, there are differences; the most prominent difference between the two is that one of them is perfectly legal while the other is a federal offense.
Breaking it down etymologically, the difference should be easy enough to pinpoint on the defining words alone: avoidance and evasion. To avoid something – say, an in-law with whom you don’t have the best relationship – you would plan around the scenario. To evade something, following the same example, would be to pretend you have a meeting all day when you actually just want to watch a show on Netflix all day. The fine line that differentiates tax avoidance and tax evasion can be slim but the main reason for the illegality of the latter can be summed up in one word: falsity.
When records filed are falsified (e.g. faked to pass off as something as real) or are simply untrue (e.g. stating something that is blatantly not true), according to the website of the lawyers with Cazayoux Ewing Law, that would be accountable under the responsibility of tax evasion. Tax avoidance, however, involves smart financial planning or necessary circumstances in order to qualify for certain tax exemptions or deductions.
If questioned by federal agents, you might just incriminate yourself without meaning to, simply by wording your financial situation wrongly. That it is why it is always recommended to first exercise your right to remain silent as well as your right to legal counsel before answering any questions.read more
Medical professionals hold a vital role in their given communities. Without them, the public won’t be able to receive the best health care options available to them. So much of a community’s trust is placed on doctors, nurses, pharmacists, and other health care personnel, knowing that these individuals can provide the best possible treatment for whatever illness or condition that ails them. Unfortunately, these set expectations aren’t always met in reality. There are moments when medical professionals fall short of the standards dictated by their vocation.
In the United States particularly, cases of medical malpractice are reported regularly. Even more alarming is the fact these some of these cases are known to have led to incidents of wrongful death. As pointed out by the Civil Justice Resource Group, about 25,000 to 120,000 medical malpractice incidents will lead to the wrongful death of patient ever year. These tragic and unfortunate outcomes cannot be ignored. However, before active steps toward prevention can be taken, it’s vital that the public becomes aware of why such cases occur in the first place.
A Fort Smith personal injury lawyer would probably say that generally, wrongful death refers to any incident caused by neglectful or reckless errors that lead to the untimely death of another person. In medical malpractice, these errors are committed by surgeons, physicians, anesthesiologists, nurses, and other medical personnel charged with the care of a patient. The errors made by these professionals can be particularly overwhelming, such as administering the wrong dose of anesthesia during surgery. However, simple mistakes such as missteps made during diagnosis can have profound effects on the prognosis of a patient’s condition. Even lost or delayed test results can mean the difference between a patient’s safety and a very tragic outcome.
All in all, wrongful death is the most tragic outcome that can happen due to medical malpractice. As a result, it’s extremely important that the public are able to constantly hold the medical community to the highest standard. Any incidents that fall short should be reported to prevent similar outcomes in the future. If you’ve lost a loved one due to medical malpractice, do not hesitate to consult with an experienced legal professional to learn more about options available to you.read more
Whether it is combination oral contraceptives (COCs) or having a hysterectomy, women have lately been having a run of bad luck with dangerous medical products. According to the National Injury Law Center website, serious blood clotting complications from using Yaz, Yasmin, and Ocella has been augmented by other findings. These COCs containing drospirenone may also be increasing a woman’s risk for gallbladder disease.
Those undergoing hysterectomies may also be at risk, but this time from the big C. The use of morcellators, which is primarily a small knife paired with a suction, to cut up and remove uterine tissue are believed to increase the risk of the patient in developing uterine cancer. As the website of morcellator lawsuit attorneys at Williams Kherkher puts it, the warning from the Food and Drug Administration (FDA) that morcellators may not be safe to use for hysterectomies came a little too late for some women.
The drug manufacturers should have thoroughly tested their products before marketing them to the public. Many of these cases of deep vein thrombosis, pulmonary embolism, and uterine cancer could have been prevented because there are safer alternatives. These women would not have chosen to put their lives at risk if they have been adequately warned about the risks.
It is hard to imagine how these women are feeling. They are now suffering the consequences of the negligence of these drug companies, and there is very little they can do. The most they can hope for is to get compensation for their losses.
If you have suffered serious injury from unknowingly using dangerous medical products, you have a right to get something back. However, drug companies have formidable defenses against liability lawsuits, so you need to bring out the big guns. Consult with a dangerous medical products lawyer in your area to get started.read more
It comes as no great surprise that the number of domestic violence abuse reports in military families have increased in the last few years even as civilian domestic violence statistics go down. Military families are not the same as civilian families; those who were on lengthy active duty often have a hard time adjusting to civilian life when they finally get home.
A good example is the story of Navy SEAL sniper Chris Kyle, who went through multiple tours of duty during the war with Iraq. In the film adaptation of his book “The American Sniper,” he was shown as undergoing a crisis as he relived his days in the war. He suffered from post-traumatic stress disorder (PTSD) that made him withdraw from family members when he finally came home. Fortunately, he got help.
However, the fact remains that many veterans suffer from PTSD, and they do not all get the treatment they need. This would account for some of the 21% of domestic violence reports attributed to military veterans, while some could be due to traumatic brain injuries. It has become well established that PTSD sufferers 14 times are more likely to become violent toward a family member than are civilians.
There is no excuse for domestic violence, but perhaps such facts mitigate the charges. As pointed out on the website of the Flaherty Defense Firm, veterans are especially vulnerable because a domestic violence conviction can mean the end of their military career. PTSD has been accepted only recently as a viable defense in domestic violence cases, but it requires a criminal defense lawyer experienced in military cases to pull it off successfully.
If you are in the military accused of domestic violence, you should have criminal defense for military members. It could mean the difference between getting the treatment you need and the end of your career.read more
People are naturally reluctant to raise a fuss, even when they are at the losing end of a stick. As much as they can, they will keep their troubles to themselves even if caused by a negligent third party. It takes a lot to compel the ordinary American to take the bull by the horns and file a personal injury lawsuit. What is the catalyst that makes this happen?
In many cases of personal injury, the victim requires extensive medical attention, often followed by prolonged recovery, rehabilitation, and medication. The effects can be short-term such as a few weeks, to long-term, such as for life. For temporary disability, most people can rely on their workers’ compensation insurance for work related injuries, or their personal insurance for other types of injuries. However, this may not be enough to cover all the expenses. This can lead to significant financial problems, maybe even bankruptcy. It is usually at this point that a negligent accident victim will think about hiring Houston personal injury attorneys.
In other cases, when the victim dies as a result of injuries sustained in a negligent accident, the victim’s survivors are often left with a devastating feeling of emotional loss and pain. Wrongful deaths are not the same as death from an illness or old age. It is sudden and unexpected, which makes it harder to accept. According to the website of Habush Habush & Rottier S.C. ®, the loss of income does not even come into it; the loss of companionship has the highest impact on the survivors. The tendency is to find someone to blame, and in a negligent accident, this is the liable third party.
If you have suffered serious injury or lost a loved one because of the negligence of others, you are perfectly right to want to bring the responsible party to book. At the very least, you should get some compensation for your losses. Consult with an experienced personal injury lawyer in your area for more information.read more
Texas laws on drunk driving are some of the most stringent in the US. Even a judge is not immune from the charges, as evidenced by the recent arrest of Travis County civil judge Gisela Triana, if law enforcement has reason to believe that she poses a danger to the community.
The 48-year-old judge had just been at a party with several local lawyers following the taping of the Jimmy Kimmel Live show segment in Austin. She was stopped for driving considerably over the posted speed limit, and was found with an empty bottle of a premixed hard liquor cocktail in the car. She showed outward signs of inebriation and refused the breathalyzer test. Ironically, she was elected to the bench to replace another judge who resigned after being charged with—you guessed it—drunk driving.
It is scary to be charged with drunk driving in Texas, especially if it is your first time. As pointed out on the website of Kyle Sampson, Attorney at Law, law enforcement is cracking down on impaired drivers. However, being charged with drunk driving is not the end of the story. If you want to avoid the consequences of a drunk driving conviction, your smartest move is to get a criminal defense lawyer to protect your rights.
It is not even a matter of trying to escape responsibility. Drunk driving laws are not always black and white; most people do not understand how it works. According to the website of the Law Offices of Mark T. Lassiter, you could be giving up your rights if you give in to fear. There may be reasons why you should not have stopped in the first place, or why your arrest was a violation of the laws. Your criminal defense lawyer will be sure to look into all the finer points of your arrest and charges for the best chances of getting the charges dismissed.
If you face drunk driving charges in Texas, stop hemming and hawing. Assert your rights and get in touch with a competent criminal defense lawyer at the first opportunity.read more
A recent accident involving a Royal Caribbean International cruise ship caused the death of two dock workers at St Kitts. There was speculation among eyewitness that The Independence of the Seas pulled out of port before the workers had a chance to get their boat out of the way. The two dockworkers had been there to assist with the mooring lines.
Docking and berthing are often risky maneuvers for large vessels, such as cruise ships. The size of the vessel plus shallow waters is a deadly combination in the hands of an incompetent captain. The worst example of this shallow water incompetence is that of the Costa Concordia, which ran aground near the island resort of Giglio in Italy. The captain has since been charged with endangering the lives of the 4,200 passengers on board, manslaughter for the people who died in the accident, and abandoning the ship without providing assistance to those on board.
The problem with negligent accidents involving cruise ships is jurisdiction. Americans who are seriously injured or killed because of the negligent acts of the crew or the cruise line are often frustrated from seeking compensation because the cruise line is foreign, or the incident happened outside the US. These can muddy the waters when it comes to applicable laws. As pointed out on the website of the cruise ship lawyers of the Vucci Law Group, P.A., most dock accidents happen because of negligence. The question is, how can you get justice if the cruise line is registered outside the US? Lawyers specializing in these types of cases will know how.
If you have sustained serious injuries such as broken bones or traumatic head or brain trauma in a negligent cruise ship incident, you need to get competent representation immediately. Get hold of an experienced dock accident lawyer in your area to set the wheel of justice in motion.read more
Medical malpractice reform often focuses on limiting the pecuniary gains of plaintiffs to discourage them from filing a lawsuit, but this tactic has been less than successful. This may be because the reason that many people file medical malpractice cases is not to get money. It is to have their grievances heard and acknowledged. In Massachusetts, state law is seeking to provide plaintiffs with an option to do just that.
Traditionally, the relationship between a plaintiff and defendant is adversarial; they are out to get each other. As an article on the Crowe & Mulvey, LLP website points out, plaintiffs are at a disadvantage in a medical malpractice suit because healthcare providers often have more resources to expend in their defense. As a result, many medical malpractice suits drag on for a long time, and in a majority of cases the plaintiffs lose.
However, under Massachusetts General Laws, plaintiffs are required to give a healthcare provider 182 days (about 6 months) notice that they are planning to sue before filing. The notice includes the reasons for the intent to sue, and the healthcare provider has 150 days to respond. In some cases, the hospital investigated the claim and determined that there was a lapse in the duty of care. The hospital arranged a meeting with the plaintiff and discussed the situation, which was eventually resolved out of court.
The advantages of this more collaborative system of redressing grievances is admirable, but may not always be the best option. Unfortunately, as any Des Moines personal injury lawyer probably knows, some healthcare providers are not willing to accept fault for their actions.
If you have suffered serious injury from the negligence of a healthcare provider, you are lucky if they own up to it. If they deny any wrongdoing, you should consult with a personal injury lawyer in your state for your next move. In Massachusetts, it means waiting 6 months, but it takes time to build a case anyway, so it is all good.read more