The Work of a Commercial Lawyer

Commercial lawyers are legal professionals who specialize in helping small and large businesses. They are your most useful resource if you ever need assistance regarding legal-related matters. You can always consult with them if you have issues pertaining to properties, taxes, zoning compliance, intellectual properties, and a host of other subjects. On top of that, they are capable of defending you in case you encounter lawsuits from an employee, a business partner, or even your competition.

Competent commercial attorneys are highly knowledgeable on the laws required to protect your best interest and to help you achieve your business goals. To illustrate further, here are some examples of what commercial lawyers do and how they can be a big benefit for your business.

Help you deal with contracts.

As a business owner, you will encounter many different kinds of contracts ranging from those you sign with employees and suppliers, to contracts with partners and customers. Your contracts have to be fair for everyone involved and so you may need the advice of a commercial lawyer. In the same way, you may want to have a lawyer examine the fine details of various contracts being offered to you before affixing your signature.

Organize your business better.

For big businesses, having the right organization is crucial towards achieving long-term success. A commercial lawyer can give expert insights regarding which kind of organization will be most effective for your company’s set-up. Some of the options you can consider are corporation and limited liability company. Your attorney will help you see the pros and cons of each alternative. On top of that, all the necessary documents will be prepared to make sure that the business can run without any legal repercussions.

Acquire properties with greater ease.

Thinking of expanding by acquiring an existing business or property? The process will be so much simpler if you ask for the assistance of your lawyer. The paperwork will never be a headache for you anymore and you will get the chance to look at different angles of the deal. You will be able to avoid falling victim to any potential loopholes once a good lawyer is working side-by-side with you.

Try looking up your local phonebook to see a list of commercial lawyers in your area. Additionally, you can also use the internet to browse information straight from the official law firm websites as well as law-related blogs and sites.

American Red Cross Car Donation – Vehicle Donation Program For a Worthy Cause

Siddhartha the Buddha once said that life is sorrowful. And while it is true that people are always going to suffer, sometimes the suffering is too great and too unnecessary to simply chalk up to “that’s just how life is.” Unfortunately, sometimes a disaster strikes, and that is when we all have to rally together to help others in need. This is where an American Red Cross junk car donation can actually be a blessing to someone’s life.

When a disaster strikes, all of the normal things we take for granted go down the tubes in a hurry. Forget cable TV – try going a few days without clean water to drink, bathe in, or clean your clothes with. Forget eating at a tasty restaurant – try going a week or two in which all of the food you eat is whatever you can scrounge up. Disasters turn comfortably middle class people who have good jobs into homeless people who suddenly have none of the comfort they have worked so hard to build in life. And the matter of fact is this could happen to any of us at any time.

Basic Information About Donating Your Car To The American Red Cross

Most people are familiar with the work that the American Red Cross does – after all, it is one of the most familiar charities in the United States. What most people don’t know is that that old car that has been littering your lawn or languishing in your garage can be donated to help others in need. What the Red Cross does with the cars it receives from donors like you is fix up these automobiles and sell them at an auction. What is unique about the American Red Cross car donation program is that many of these vehicles are actually sold via auction online. How’s that for technology helping to improve the quality of people’s lives?

The car donation process is fairly simple – you submit your information to your local American Red Cross chapter, call the national hotline, or fill out the online form on the official Red Cross website, and make arrangements to have your car picked up. One of the perks of American Red Cross car donation is that you will receive a tax deduction for your contribution. The general rule of thumb is that the better condition your car is in, the greater tax deduction you can expect. For many people, donating a car to charity is simply easier than dealing with the hassle of selling their car themselves.

Why You Should Donate Your Vehicle

The car donation program at the American Red Cross is unique in that is is extremely user-friendly. After submitting your information, a flatbed truck will arrive to your home, and paperwork is put into motion to immediately transfer the title out of your name and to the charitable organization through the Department of Motor Vehicles. This is a great process because you are immediately relieved from any liability related to your donated automobile. After the title transfer, expect to receive a letter of acknowledgment in the mail that shows all of your vehicle information and the full VIN number with in a few weeks.

All vehicles are appraised and then sent off to auction. To comply with regulations by the Internal Revenue Service, once your vehicle is sold to its new owner, you will receive the IRS Form #1098 Title Contributions of Motor Vehicles, Boats and Airplanes from your local Red Cross Chapter. This form is important in confirming the actual sales price and date that your vehicle is sold. It is important paperwork that will need to be included with your annual tax return in order to receive the full tax deduction benefits offered by vehicle donation.

Overview of Car Insurance

Car insurance is a very important thing for every car owner, regardless of the location they are in. Every state gas got its own requirements. There are some requirements that the drivers must meet so as to be able to purchase insurance and be able to drive without getting into trouble. Also, car insurance can also be an expensive and complicated affair. Most drivers find themselves operating and they do not understand emergencies that are covered. It is important to speak to a professional about some insurance questions, but there are some basics that everyone looking for car insurance should understand.

Property and liability

In auto insurance claims, there are usually two types of claims that you can find and they are property and liability. Usually, liability will cover you the car owner for all reasons like intent to harm or negligence. Property insurance, on the other hand covers any damage that is inflicted on your car or damage inflicted on another car.

For the individuals who are wealthier, they have greater liability insurance because there is a great likelihood that they may get sued. Most time, these people are able to fix their cars in case of an accident.

The limits and the deductibles

Limits can be defined as the maximum amount of cash that the insurance company can pay for every claim of every policy. In most contracts, you will discover that there are set limits on both ends. Sometimes limits for property and liability can also be set. When the limits are lower, then the premiums are lower and vice versa.

On the other hand, deductible is the amount that you will need to settle yourself before the company takes over the claim. In such a case, there is a deductible for every occurrence and for every policy. When the deductible is raised, the premiums go down.

Coverage lines

In most cases, the insured is required to have some coverage lines. There are many options to select from. You may choose to choose coverage in case you drive another car. There is also the option of adding others into the policy. A social coverage can also be selected for the theft of the car or vehicle parts.

Un-insured motorist coverage is very common. This is where uninsured motorists are covered. This comes in handy when there is an accident and the other party doesn’t have the required insurance.

Comparing the companies

Many of the contracts that have to do with cars have very similar details. Also, car insurance companies can be quite different from one another. If you select a great company, the services will also be great. You will employ better rates and coverage too.

Reviews can really help in the decision making process. You can ask your family and friends or check with local business bureaus. You may make comparisons based on the ratings that they enjoy. There are different systems that have been set so as to compare different companies. When the ratings are good, then you will definitely know that the company is sound financially.

How A Good Bankruptcy Lawyer Can Help You

Bankruptcy laws are extremely complicated and nearly impossible for the average person to understand. With the new bankruptcy laws that have been recently put into action, the laws have become even more complicated. This is why it is important to hire a bankruptcy lawyer if you are considering filing bankruptcy. He or she can help you choose the right chapter of bankruptcy for you.

A bankruptcy lawyer specializes in the laws as they pertain to filing bankruptcy. However, not every lawyer is versed in the laws of your particular state. That is why it is very important to go with a local lawyer who is familiar with the bankruptcy laws of your state. The laws can be considerably different from one state to another. So make sure that the lawyer you choose not only has experience working in your state, but is licensed to work with cases in your state as well.

When choosing a bankruptcy lawyer it is important that you feel comfortable working with him or her. Filing bankruptcy is a very emotional and life changing experience. Therefore, you will want a lawyer that understands what you are going through. An experienced bankruptcy lawyer will know exactly how to handle any of your concerns or fears. One of the best ways to get a feel for your lawyer is to interview him or her. Be sure to ask plenty of questions so that you have a complete understanding where he or she stands on certain matters. Also, be sure to ask what their success rate is and if he or she has handled cases similar to yours before.

When filing bankruptcy, your budget will be a key element. Therefore, you will want to make sure you have a full understanding of any and all fees your lawyer will be charging. Generally speaking, a bankruptcy lawyer charges a sizable fee for his or her services. You will be responsible for paying for the actual bankruptcy, which varies depending on what type you file for. Chapter 7 bankruptcy runs around $300. Then, your lawyer will charge approximately $1000 to $2000. If the fee is too high, you will want to consider another lawyer. But keep in mind that legal services are going to cost something, and it may be to your advantage to pay a bit more for an excellent lawyer, rather than paying much less for a bankruptcy lawyer with far less experience.

Picking a reputable bankruptcy lawyer is crucial to the outcome of your case. Therefore, you do not want to choose a lawyer at random. Picking a lawyer blindly out of the phone book could have a negative impact on the overall outcome. When choosing a lawyer, ask family and friends for recommendations. Although they may not have personally filed bankruptcy, they may have another friend who can recommend someone. So be sure to ask around. If you cannot find a personal recommendation, you can check with the Better Business Bureau to see if they have had any negative feedback on a lawyer you are considering.

Do not pick out a bankruptcy lawyer at the last minute. Be sure to do some advance planning and research. Otherwise, if you pick a lawyer at the last minute you could end up with a lawyer who is not experienced in the area you need or whom you do not feel comfortable working with.

No one likes to admit that they need help. However, when filing bankruptcy it is essential that you work with a lawyer who specializes in the field of bankruptcy. He or she can help make the overall process a lot smoother and easier. With the laws that are in place today, it is vital that you have an experienced lawyer who has a full understanding of the laws and can help you through the bankruptcy process.

Insurance For Truck Drivers – The Coverage You Need

First, truckers, tractors, and trailers, are insured as commercial equipment and not automatically afforded the coverage extensions of a personal auto policy. Electronics, loading equipment, load securing equipment, rental reimbursement and personal property are insured differently and are not automatically covered.

Commercial Auto Liability is pretty straight forward. If a trucker has ICC Authority, a filing for proof of financial responsibility will be given to the Feds. Filings are what keeps a trucker compliant with federal (ICC) authority requirements. Uninsured / Under Insured Motorist is also helpful for a trucker that has been injured by a vehicle with out insurance. Medical payments are useful when some one is injured in and on your truck.

Cargo insurance covers the truckers’ responsibility for others goods he is hauling. There are 3 different forms or policies: Named Perils and Theft which is narrow in coverage, Broad Form which adds certain coverage to the basic form and All Risk coverage which offers coverage for all causes unless excluded by language in the policy. Regardless of the form, There are certain coverages a trucker would need. Truckers should buy cargo coverage equal to the highest value of goods they haul. Some policies have a co-insurance clause that can limit coverage limits if you are hauling a higher value load than the limit insured on your policy.

1) A refrigerated carrier would need Reefer Malfunction or Reefer Breakdown coverage to cover the damage from freezing or spoilage incurred if his reefer unit breaks down. Remember to find out if the policy covers a mistake in setting the temperature control device. Most reefer policies only cover in case of a unit breakdown or malfunction.

2) A flat bed carrier should have a wetness coverage or endorsement in the event his load is damaged from rain or snow. Most policies have a tarpaulin endorsement that limits coverage to loads that are properly covered. Sometimes a tarp can be damaged or blow loose due to no fault of the trucker resulting in damage to the load that may not be covered unless wetness coverage is added. Coverage for tarps, chains and binders is also desired to replace stolen or damaged binding equipment that are not other wise covered.

3) A dry van carrier would be advised to make sure that shifting of a load is covered. In this type of operation, larger and longer trailers are used and load securing equipment can fail. These instances are rare but do happen.

Every trucker should have earned freight coverage on his cargo policy. This coverage pays for lost revenue when he is not able to deliver his load due to a covered loss. Disposal and cleanup coverage for a loss should be at least $10, 000.

Physical Damage coverage is generally to repair the tractor and trailer in case of a covered loss. This coverage is insured on a stated value. The value set for the equipment is the truckers responsibility. The insurance company will pay a loss based on equipment of like quality. That means market value. So the trucker should make sure his values are accurate. Remember you will pay a deductible for each unit unless your policy has a combined deductible endorsement. Also towing is only for a covered loss not disablement or breakdown. Many policies pay losses and include towing and storage limits in the stated amount of the vehicle, so if you have a loss and a big tow or storage bill, the policy limit may not cover all your loss. Towing coverage can and should be purchased in addition to physical damage. Make sure your towing policy covers disablement and roadside service.

Electronics like cell phones, televisions and radios are generally not covered unless you buy additional coverage. Your personal property is also not covered unless specifically covered in the policy but may be covered by your home owners insurance. Rental reimbursement is also not automatically covered.

I’ve insured truckers for many years and know the emotional attachment to their trucks can be very strong, but the insurance companies see them as a piece of equipment used to generate revenue. Therefore, the older they are and more miles they have, the less money they are worth. Also betterment issues come into play. Tractors run many more miles than automobiles and have a longer life. The average tractor travels between 115, 000-135, 000 miles a year. Some insurance companies take this into consideration when replacing an engine or suspension part after a wreck. If the part life is expected to be 500, 000 miles and you have a wreck at 250, 000 miles some insurance companies will only pay half of the replacement value of the part because half of the parts expected life has been used. If an agent does not know how his insurance company handles this upfront, there may be hell to pay.

General Liability is for incidental liability exposure not covered by the commercial auto policy. This is a good coverage for auto haulers who may drive vehicles to a location after they are unloaded from a trailer. Also a trucker that uses his own forklift to load and unload cargo.

Workers Compensation is required for injury to truckers or their employees. Occupational Accident is a low cost alternative with certain coverage advantages and disadvantages. It is always best to see a Truck Insurance Specialist to explain all these coverages and to get advise on particular types of trucking risks.

For more info about me and truck related issues, see the links below.