Advice From an Accident Attorney

If you have had an accident, you may be wondering, “What should I do now?” It can be a confusing and frustrating time. You may be injured, and reeling emotionally from the experience. You will receive advice from the police, bystanders, family, friends and more. If you find yourself in this situation, here is an easy to follow guide, which can help you maintain calm and control, and come out healthy and strong.

1.Stay at the scene of the accident; never leave until you have been released to do so. If you leave, you may risk severe criminal penalties if anyone else was injured or killed. You could be charged with a felony hit and run.

2. Check on All Drivers and Passengers. The first step it to make sure all people involved are OK; if they require medical attention, call 911 immediately. Make sure never to move someone until medical staff arrives, unless some danger requires you to do so.

3.Call the Police. This is an important step if there is property damage, injury, or death. Request that a police report be filed, and take note of the names and badge numbers of officers that are on the scene.

4.Provide your information to the other driver(s) involved, and obtain their information in return. Information should include:

a.Names

b.Addresses

c.Drivers’ license numbers

d.License plate numbers

e.Basic insurance information (company name, phone number and policy, if possible)

5) Keep conversations with others involved to a minimum.

Be respectful and cooperative, but don’t apologize for anything, as you could inadvertently be admitting liability for the incident. Do not state anything which can be considered to be accepting fault for the accident.

6) Approach witnesses.

Try to include details from any witnesses, such as if they’ve seen other accidents in the same place, ask their names and contact information, if they are willing to provide.

7) Call your insurance company.

Notify your company as soon as possible, and communicate with them directly and honestly regarding the accident and your injuries.

8) Request and go over any police report that is filed, to verify the information, what laws were broken, and to determine fault.

9) Keep Track of Your Medical Treatment

Start a file that includes any notes from doctors, physical therapists, chiropractors, or other medical professionals that you visit, and each medical provider that referred you to other caregivers. Keep an organized log of treatments or medications you receive.

10) Request copies of all medical reports and bills.

In addition, keep a journal or log of how your injuries are affecting (affected) your day to day life, duties, etc. Be sure to include time off from work, people hired to help complete tasks you generally manage.

11) Take Pictures.

Any photos of property damage are important to take as soon as possible. Before and after pictures of your car will also help your insurance company to figure out how much you should be compensated.

12) Obtain your property damage valuation from your insurance company.

If you aren’t satisfied with how your insurance company has valued your vehicle, don’t give up. You have the right to get independent repair estimates and replacement value quotes. Communicate your concerns to the insurance adjuster. If you cannot reach an agreement, consider mediation or an attorney’s help.

13) Exercise good judgment in talking about the accident

Don’t talk to anyone about the incident besides your legal adviser, insurance company, and the police. Do not talk to someone from the other insurance company, without the knowledge of your attorney or insurer. If called by the other insurance company, be polite, but ask them to call your attorney or insurer to arrange an interview. Make sure to tell your legal adviser or insurer about the call. Do NOT post anything on social media about the accident.

14) Carefully consider Early Settlement Offers

Do not accept the first settlement offer you receive until you verify all your physical injuries have been treated. Often, injuries fully develop or reach their height of severity up to several weeks later. Wait until you know you’ll be compensated for all your injuries and speak with an accident attorney before signing any settlement documents.

15) Think about hiring an accident attorney

If you or anyone else with you was injured in the accident, consulting an accident attorney who specializes in car wrecks or personal injury can assist you in maximizing your claim and recovery. Often, accident attorneys work on a contingent fee, meaning they only receive payment if you are awarded damages or a settlement. Contact an experienced accident attorney today if you have had an accident.

Car Insurance Tips for College Students

College is a time of expanding your horizons and learning about how the world works. Unfortunately, that also means that it is a time of increasing expenses and greater responsibility. One of the responsibilities that you’ll encounter that can take a significant toll on your monthly expenses is car insurance. Many students consider the insurance carrier that they used while living at home to be sufficient for their auto insurance needs, but this may not be the case. Just because your parents’ insurance company worked well for them, perhaps even saved them money, doesn’t mean that the same will be true for you. In order to get the best bang for your buck, you’ll have to take the time to do some research, get quotes and make certain that you’re getting what you’re paying for.

Evaluating Current Coverage

Look closely at the car insurance coverage you currently carry and determine if it suits your needs. You might find that you’re paying for insurance that’s appropriate for a new car when in fact you drive an old car that doesn’t have as much value. Insurance companies aren’t going to tell you you’re overpaying. They’re just going to collect the checks. If your vehicle is five years old or older, check its current value at an online vehicle valuation service and compare that to your deductible. If the deductible is $1,000 or more, and the car is only worth $3,000, then it doesn’t make sense to carry full coverage that could cost $100 per month or more. You’ll end up paying more out of pocket for the insurance than the car is worth. You may want to consider reducing your coverage in such a case so that you’ll save some money every month.

Comparing Car Insurance

Occasionally, it’s a good idea to shop around for car insurance rates and see what sort of discounts or lower prices other companies might be offering. If you don’t shop your rates around, you’ll find in time that your insurance company will gradually raise your rates, only to occasionally drop them small amounts during major life milestones, such as turning 25 or getting married. The overall effect, though, is that your insurance rates will gradually increase. Meanwhile, competing insurance companies are all trying to earn your business, so their rates will be quoted lower. The Kanetix.ca auto insurance quotes comparison service is a popular free service.

Every two years, obtain quotes from at least three competing insurance companies, being certain to get quotes that reflect the same level of coverage. Before you move your insurance, though, take the quotes to your current insurance company and ask them if they can beat them. If not, then your best recourse is to switch insurance carriers.

Switching Insurance Carriers

The process of switching insurance carriers is simple during college. If you only carry auto insurance, the process is just that much easier. All you have to do is sign up with the new insurance company, and your new agent will request all the information from your current insurance company. You’ll have a few papers to sign and return in some cases, and then you’ll receive a check in the mail for any insurance from your current insurance company for which you have already paid.

Bundling Insurance

Insurance bundling isn’t just for parents and homeowners. College students can benefit from bundling their insurance products, as well. In the insurance industry, this is known as having multiple lines. It can include renter’s insurance, life insurance and just about any other insurance product you carry. Ask your insurance provider what discounts are available for having multiple lines, and you might just be surprised how much you can save.

Rather than avoiding insurance during college, make certain that your auto insurance is exactly what you need at the time. This way, you’ll not only save money, but you’ll have peace of mind to keep your attention on your studies, as well.

Auto Insurance Tips- 5 Car Insurance Tips to Save You Money

Here are some great tips that could save you money on auto insurance.

1. Raise Your Deductible

One way to save money on car insurance is to raise your deductible. A higher deductible will result in a lower premium. Just remember that you will need to pay the deductible in the event of the accident. So don’t raise it so high, that you can’t afford to pay it if you were ever to get in an accident.

2. Take a Driver’s Safety Course

Did you know that taking a course in Driver’s Safety could save you money on your policy? Many companies offer discounts to customers who complete an approved driving course. See if your insurance company could offer you a discount for this.

3. Choose your Car Wisely

You may not be in the market for a new car right now, but when you are thinking of a purchasing a new vehicle, choose wisely. Don’t just look at the sticker price on the vehicle when shopping. Certain cars are more costly to insure than others, so you could end up paying a lot more in car insurance than you expected if you buy that nice sports car instead of the four door sedan. Cars that are more likely to be stolen or that have parts that cost more to replace will be more expensive to insure. Keep that in mind when you decide to purchase a new car.

4. Drive Less

You may be wondering how driving less will save you money on car insurance. Well, many companies offer discounts to people who meet certain low mileage requirements. Start carpooling to work or school. Not only could it save you money on car insurance, but it will also save you money on gas!

5. Compare Quotes from Multiple Companies

Best Homeowners Insurance Companies: What Perks and Benefits Do They Offer?

There are so many good things about owning a home: you can fix it up and sell it for profit, rent it out to someone else to earn income, or simply live in it yourself and never have to worry about rent. The downside is that there is insurance to consider. There is a variety of coverage options depending on where you live and what kind of house you own. What is it that the best homeowners insurance companies offer?

When shopping around for house insurance quotes, you need to know exactly what needs to be insured and what is included in the policy.

Some of the things you might need insurance for include:

• Protection for the dwelling itself, as well as any other buildings on the property like a storage shed or detached garage.

• Protection for the contents INSIDE the dwellings, like electronics, jewelry, furniture, appliances, etc…

• Protection from any possible hazard that can cause harm to your property and contents, such as fire, flooding, hurricane, mudslides, and so forth.

• Liability insurance in the event that someone gets injured on your property.

If you live in an area that is prone to hazardous weather, it might be a good idea to get insurance to cover additional living expenses should you have to move out and stay some place else while damages are getting repaired.

The best homeowners insurance companies will allow you to view a summary of your coverage and even provide you with a sample of a policy when you sign up, before making your final decision. You should be given the opportunity to edit your coverage and policy settings such as the start date and deductible.

Canceling Your Policy at the Best Homeowners Insurance Companies

You should also be able to cancel your policy at any time. Some companies will even issue you a refund for the remaining period you have paid for.

While some homeowners are inadequately insured, other homeowners make the mistake of paying for more coverage than they actually need. Make sure you get just the right amount of coverage you need by going through a policy section by section to determine whether each type of coverage adequately protects your investment. There is such a thing as “OVER-protecting”.

What about other people who live on you property? If it’s a roommate or tenant, you will need a different type of policy. If it’s blood relatives, however, then the best homeowners insurance policy will automatically cover all of the residents in the household who are related to you by blood, marriage, or adoption.

You can learn more about house insurance by looking into services by Lemonade. It’s definitely among the best homeowners insurance companies. Lemonade has a unique “Giveback” policy to its clients, which is one of the many perks of choosing this company for your homeowners insurance.

Benefits of Hiring A Good Immigration Lawyer

Many aspirants who are on a journey to the United States of America think twice before hiring an immigration lawyer for their needs. But they forget the fact that a lawyer can make it easier for them as an expert in the field always helps. Usually visa applicants are in the process of gaining permanent residence or becoming a U S citizen. Though hiring an immigration lawyer or attorney can be tough because there are so many options the pros usually score over the cons!

This is because immigration attorneys can offer one better chances of acquiring a green card and applying for citizenship in the U S. A lawyer has the time, experience, knowledge and skills so that the job gets done faster.

HOW DOES ONE SELECT A GOOD LAWYER?

An immigration lawyer should be chosen only after great deliberation. You need one with experience, one who knows the laws “inside-out”, one who can give you the finer details and educate you adequately, who is affordable and who gives results.

Let us highlight some benefits gained in hiring a good immigration lawyer.

BENEFITS OF HIRING A LAWYER

HELPS WITH THE FACTS AND DOCUMENTATION: Let’s accept it. The path to immigration is fraught with paperwork, documentation, intricate legal details and practices. Moreover, the laws can be very complex. If you plan to work in the States after receiving a green card or U S citizenship then you should be well-acquainted with all the rules and regulations. A lawyer will help you with just that.

OPTIONS ARE BETTER EXPLAINED: A good immigration lawyer does not just help you out with the paper work but he also helps you with all the options available – most of which we are generally not aware of. Are you eligible for automatic citizenship? How do you get citizenship through marriage? How much does it cost if you wish to file for a green card? What are the laws that one needs to follow after one receives the green card? All these and other pertinent questions can be addressed by a good lawyer with alacrity.

EDUCATION ON PERMANENT RESIDENT LAWS

A good immigration lawyer can help you with a correct understanding of the laws pertaining to permanent residence; or with the laws that you need to abide by if you are a green card holder. The lawyer can come in handy even when you are unsure of your eligibility of permanent resident status and can help you in going through your case for betterment.

CAN HELP YOU GET A JOB LEGALLY

A good lawyer can help you get a job through legal means; if you wish to earn top salaries you can benefit by employing the services of a good immigration lawyer who can cut through all that paperwork.

Life Without Car Insurance Can Be A Nightmare

When going out for a drive, Car owners should take great care not just about their life but also of their car. But sadly not every car owner is cautious while driving which leads to road accidents and ultimately them ending-up paying unexpected expenses.

If you’re a car owner without car insurance you should consider buying one, as owning a car without an insurance policy can be a living nightmare full of bills that need paying.

1.) medical bills-

A car accident can lead to injuries which ultimately land you in a hospital where you spend time in recovering and paying your medical bills.

2.) medical bills of the people injured-

If the people around the incident were injured as well, you would also have to pay their medical bills.

3.) Repair costs of the property damaged-

Say for instance your car collided with the entrance of someone’s front gate. You end up paying for their damaged gate as well.

4.) Repair costs of the car-

And let’s not forget about the repair costs of your damaged vehicle.

5.) Totalled car

Say for instance you were driving a car that you just bought with an EMI plan. It’s the third month and your car is completely totalled because of an accident.

In other words, you lose your perfectly new car and would still have to pay the EMI amount every month.

You’ll be surprised to know that at times mishap to your car can also happen because of external factors like –

1.) Vandalism

Scratches, dents, broken glass, graffiti, glue in keyholes, and slashed tires are some of the most common types of vandalism faced in inner cities.

2.) Theft of car parts

Thieves find this to be an effective way of making easy money, as stealing car parts don’t require much skill and can be accomplished in minutes.

3.) Stolen cars

Every year, police make some progress in recovering stolen cars however, the recovery rate is still not close to the total number of cars stolen.

4.) Riots

Riot is a time when parked cars face maximum damage in the form of loots and vandalism.

5.) Flooding

From forming rust to damaged electronic wiring, floods are a natural disaster that can ruin your brand new car.

Yes, owning a vehicle comes with a lot of unexpected expenses that you need paying, especially if you don’t have car insurance. Which is why it is crucial that every car owner goes for car insurance.

When to Call a Car Accident Lawyer

Car accidents can be debilitating events. They are lethal, dangerous, and scarring, and they can derail a person’s ability to work, play, and enjoy life for months, even years. Worst of all, they often come back to haunt people in their dreams, with the blunt trauma of impact playing over and over again on repeat. However, there is a way for people who have suffered from a terrible incident to reclaim damages, even psychological damages. That’s by hiring a car accident lawyer. While this move may not be immediately appealing to some, as it often involves lots of paperwork, in certain cases, the results can be startling. A good legal official will be able to help you reclaim the life that you deserve after a terrible crash. Here are some of the things to look for if you think you might want to hire an attorney.

Property Damage

One of the biggest effects that a crash can have on your finances is in the way of property damage. Autos are expensive; for many Americans, they are the single most expensive purchase of a lifetime. If a vehicle is destroyed or significantly damaged in a wreck, you have every reason to seek recompense through a legal appeal. First, the case will go through your car insurance company, whose job it is to choose whether the car is worth saving or not. If the car is to be repaired, then the payment should come from the other person’s insurance plan (assuming that they are at fault, of course). However, the initial amount offered by many insurance coverers is simply not enough to cover the actual cost of damage and repair. This is when a car accident lawyer steps in. Armed with the experience and knowledge that comes with years in the legal system, an attorney will be able to navigate the complex network of claims necessary to successfully seek recompense for damage.

Personal Injury

Another case that may call for an attorney is that of personal injury. This injury should be covered by the part of insurance known as ‘liability coverage.’ To get full coverage, however, you will need to keep full and accurate records of all of your treatment. Because insurance companies are businesses, many seek to minimize the payments they incur by causing injury, and they will ask to see the medical bills and statements. Keeping solid records could save you thousands of dollars. And sometimes, even when accurate records are kept, the company still won’t pay. That’s when you call on a car accident lawyer. These lawyers know how to frame a demand so that it will receive maximum attention from insurance providers, and they will also know how to prevent the sort of intangible damage experienced in the form of mental anguish. With their expertise at your side, you will be able to recover from the accident without worrying about money.

Durable Powers of Attorney in Wills and Estate Planning

Planning how your estate shall be divided, distributed and disposed of doesn’t only mean creating a last will and testament or putting up a trust for someone. Estate planning also means preparing for the unexpected, such as falling ill to an incurable disease or becoming incapacitated later in life. In this regard, you’ll need the help of someone you completely trust to put your affairs in order even when you’re no longer able to make those important decisions or even communicate your wishes. Drafting durable powers of attorney gives this person you appointed the legal means to sign documents, make decisions, and represent you in court.

The Medical Power of Attorney and The Living Will

Actually, the functions of a medical power of attorney play in tandem to the directives of a living will. They’re both health care directives, but the durable power of attorney for health care focuses solely on assigning someone the legal duty to make decisions related to your illness or health condition. It needs a living will, which contains your instructions and wishes, including end-of-life decisions. Once you’ve lost the capacity to think or act on your own, such as when you’ve fallen into a coma, this durable power of attorney takes effect and hands over the responsibility for your personal health and well-being to your agent or attorney-in-fact.

You’ll have tighter control over managing your living will, estate planning, and health care directives when you specify that these shall only take effect after a physician has confirmed that you lacked the mental and physical capacity. In this case, you have a springing durable power attorney in hand. The term capacity here legally pertains to a person’s lack of understanding of the nature of his medical condition, the health care options open to him, and the possible consequences from making these choices. In addition, that person also loses the ability to speak out or make hand gestures to relay his personal preferences for medical care. This is where a health care declaration becomes an invaluable document in your estate planning.

The Financial Power of Attorney

Through a durable financial power attorney, you give another person – someone you fully trust to act in your best interests – the legal authority to act on your behalf. However, this power attorney for finances doesn’t hand over absolute authority to your proxy. You may limit or extend your agent’s legal access to your financial accounts. Generally, your financial surrogate can file and pay your taxes, manage your business, handle financial transactions in your name, access your bank accounts, claim an inheritance, collect Social Security and other benefits, and make use of your assets and properties to pay off debts and provide for your family’s daily expenses.

These two powers of attorney must be specified as durable when filed. Otherwise, they won’t take effect once you were found lacking capacity to think and act for your well-being. A divorce ends both documents when the agent is also the spouse. The court may revoke an agent’s authority under a power of attorney for health care when it finds that the agent has acted improperly. A second person named in the document takes over as an alternate agent.

Find a Good Family Law Attorney

If you are in need of locating a good attorney, one who specializes in family law, then you need someone who can look after your interests as well as the interests of your children. I have listed five options to help you find the attorney who is right for you.

1. Check with Friends, Family – People you know can be an excellent resource to help you locate a family law attorney. Somebody you know probably has been through a similar experience; their advice and support can be useful to you.

2. The Bar Association – A local or state bar association can be a wonderful resource as they will tell you which of their members specialize in Family Law. Get a hold of that list, contact the attorneys directly, and interview them. Typically, your first visit is free so that you can learn what the family law attorney will do for you, their fee structure, and much more.

3. Legal Aid Societies – Your state or county should have a legal aid society. If you find that the cost of retaining counsel is prohibitive, consider contacting your local chapter for help. Some will offer their services for free or “pro bono.” Some attorneys will charge you based on a sliding scale, taking into consideration your ability to repay. For parents with limited means, this can be a terrific option.

4. Research – Your library has legal directories featuring all kinds of legal professionals, while the internet is an excellent resource for accurate and up to date information. Forums, list servs, ads, and articles like the one you are reading now can be good sources to help you find attorney related information.

5. Check the Phone Book – One of the most popular places for attorneys to list their availability is with an old stand by: your phone book. Right smack dab in the yellow pages you will find scores of attorneys featured with all the of their contact information listed, including web sites.

Divorce certainly isn’t fun, in fact it is downright painful. Your children will suffer, but you can help ease the transition for them and you by finding an attorney who is compassionate and caring. For additional support and spiritual guidance, arrange a visit with your pastor today.

6 Fundraising Ideas for Charity

Fundraising is the way by which a person or an organization can help others who are in need both financially and physically. But this is not practically possible for one individual. Fortunately or unfortunately the charity fundraisers the traditional way is lengthy and boring. In this article we are providing some ideas that we think will be exciting for the participants.

1. The event should include people of every age, from the young ones to the old. If you are taking the children then that will be particularly good for them as they will learn the value of caring for others.

2. Slow paced events should be avoided. Exciting things will also encourage the young ones and they will be more interested in organizing events.

3. Another way of engaging the youth and the students is that you should make them participate by performing services for the winning bidders. These might include carrying backpacks and books, bringing lunch and several other things.

4. Some organizations have a habit of donating things for a good cause. Take their help like getting a vehicle from them and giving rides to people in exchange for the bucks. The proceeds can be utilized as funds.

5. Organize a dog bakery. Easy dog foods should be made available. The bakery can also make special things for dogs on order. They can also make craft sales or organize sporting events. All in all the fundraising party can be allowed to spend a day in fun and amusement.

6. The fundraisers can offer service at different places like gas stations, restaurants, car parking. In return for the donation they make can get a service like washing the car, cleaning the windshield.

Thus, fundraising is an important event. Not only does it raise funds for the needy but also the members are able to understand the values of teamwork. An ideal fundraiser would be the one who is able to generate big returns by working less. The event should be the one that gives out gifts to the donators. Even if the organization has donated, the best part is that they are given monthly cheques. Even after the child financed gets graduated the returns continue to come to the organization.

We hope that this article has been helpful to you in providing all the necessary information about fundraising ideas. So, to conclude we can say that the thumb rule of fundraising fast, easy, and little work with huge revenue generated.