Five Reasons You May Need a Family Law Attorney During a Divorce

Most people have watched the drama of unhealthy marriages break apart around them, and also across the big screen. The scene is all too common; fights ensue over custody, investments, vacation homes, and whatever else bound man and wife together through their courtship. A family law attorney typically comes next. It’s no surprise that keeping divorce proceedings moving promptly and in a respectful manner requires some outside help. Here are the three main reasons you may want to consider a family law attorney before proceeding with a divorce.

Child Custody

If you and your spouse had children during your marriage, you have likely considered their fate many times before going through with a divorce. Where will they live permanently? How often will we switch visitation? How will we split their expenses? In order to resolve these questions and concerns, a family law attorney can provide their years of expertise in this area to these decisions much easier.

Depending on the level of respect and communication between the couple going through the split, custody decisions can be made in two ways. Either the parents will reach an agreement as a result of informal settlement negotiations (typically with attorneys present) or dispute resolution options like mediation. If neither of these options works, the court will make a decision. Typically, it is best for the children if parents can come to decisions together before taking the matter to court with the guidance of an experienced law professional.

Property Ownership

When couples first get married, they typically invest in property together. When it comes to dividing this property, many different factors play a role in how the assets are split up. Most states use the “common law” systems of ownership, which is something an attorney would have far more experience in handling. You’ll need your past documentation such as the deed, registration, or any other title paper. If both of your names are on the paperwork, then property can be split half and half. Otherwise, things get a bit more complicated, especially if a prenup is involved. This is where a family law attorney can take over when worrying about how property will be divided in a couple.

Bank Accounts

It comes as no surprise that most spouses share some form of a bank account. Some couples maintain individual bank accounts during the marriage, but these funds can also be subject to analysis during a divorce depending on the employment status of both individuals in the relationship. Many couples run into trouble figuring out who is entitled to what, especially if one spouse stayed home from work to raise children during the marriage or if one spouse ran up a lot of credit card debt without their other half knowing of this activity. This is where a family law attorney steps in and takes the reigns to make sure your best interests are protected.

Before you take another step with your divorce proceedings, you should consider what an attorney could do for you in order to protect your way of life. Whether it’s time with your children, your home, or your financial livelihood, all of these factors should be safeguarded with the help of an experienced professional.

Cheap Full Coverage Auto Insurance Guide: Learn About Different Options and Where to Find Good Rates

No matter which state you live in, you’ll be required by law to have at least some sort of auto insurance. The basic requirements vary from one state to the next, but essentially you’ll need enough coverage to help pay for any damage or injuries you might cause others. What if it really isn’t your fault, though? What if you wind up in the hospital yourself? Or what if you don’t have enough money to pay for having your own vehicle repaired? The best thing to do is try to find cheap full coverage auto insurance.

Check out different quotes to see how you can get a deal on comprehensive and collision insurance. There are many sites that allow you to look over various policies. You’ll likely have to enter in some personal details, like your age, state, car model and make, and how long you’ve had it. There are obviously going to be some factors that affect the types of rates you get, from your driving record to your credit rating. The higher “risk” that you are, the higher the rates you’ll get.

Try to find coupons and special discounts wherever and whenever you can. Auto insurance discounts usually come in three types: ones based on your policy, for car safety features, and for being a good driver with a clean record. The rates tend to be higher for younger drivers, as they are considered higher risk when compared to older, more experienced drivers.

Adult Drivers Can Get Cheap Full Coverage Auto Insurance

However, even if you are an adult driver who’s had your license for years, you still might have difficulty obtaining cheap full coverage auto insurance if your record isn’t the cleanest. Carefully look over the “Discounts” page of a car insurance company’s site to see if there is any type of savings you might qualify for.

There is no rule that says you have to get vehicle insurance by one of the major companies. There are many small companies throughout the country that offer decent rates. With the smaller providers, you can get a more personalized experience as well.

Think about your own limits and deductibles. If you are financially comfortable, then it’s probably okay to opt for a higher collision / comprehensive deductible. Raising the deductible obviously means that you’ll get cheaper insurance, whether you pay for it monthly or annually.

It goes without saying that you should ALWAYS read reviews and comments about different insurers when comparing rates. One place that’s been getting plenty of reviews these days is esurance. There are tons of cheap full coverage auto insurance esurance discounts that you might quality for.

Living From the Penthouse to My Car: The Lessons I Learned From Being Homeless

Humiliation does not even being to express the experience of being homeless. So I am going to share the lessons I learned that hopefully can spare you from such a degrading downfall.

The beginning of my downfall happened while I was living in an exclusive Country Club Penthouse. I had the entire floor to myself including an elevator that opened to my own private lobby.

Life was carefree. However, I had a serious bad habit of spending money as fast as it was coming in. I was never taught how to save money while growing up. I was only taught how to spend. Guidance from God flowed into my mind countless times to save twenty percent of my earnings and put it aside and to stop all non-essential spending. I, of all people, didn’t listen to that inner guidance.

When times were easy, I never dreamed it would come to a sudden halt. First I slipped and fell and broke my foot. The pain was terrible and I was not able to work as usual. Then female bleeding 21 days out of every month left me so drained that I could do next to nothing – but spend.

My weaknesses were watches, hand bags, boots and jewelry. I thought I was savvy when I learned how to shop wholesale. Spending $19.99 instead of $500 on items I did not need, but had to have. My ego was running the show, certainly not the higher wisdom I was repeatedly given.

I had been to the hospital as a result of my bleeding only to return home to find an eviction notice on my door. I ran out of money completely and was evicted. Without a place to stay, my car was my only option.

I was alone and scared. I had never been in this situation before and it lasted for ten months. When some money flowed in from book royalties I was able to go to a motel and spend a few nights. Then when I had no money left to rent the motel room, I was back in my car.

One night I decided to park in the back parking lot of the motel. I felt safe there and literally slept behind the wheel. I heard a knocking on my driver side window and saw a bright flash light. It was a police officer along with the motel manager.

I opened my window and told them I had just fallen asleep. The Officer flashed his light inside my car. It was jam packed with as much of my belongings that I could fit inside. He looked at me and asked me one question. “Are you living out your car?” The deepest humiliation and degradation filled my entire being. I could not even look at him and I felt so ashamed that I could not even answer him. So he asked me again, “Are you living out your car?” I looked down consumed with shame and shook my head with a silent yes.

He was extremely kind to me when he explained that the motel did not want people to sleep in their parking lot, but I could drive somewhere else that was safe and park my car there. I said, “Okay” and then I started my car and drove off in the middle of the night to an old neighborhood I used to live in and parked my car there.

The seasons passed from winter to spring to summer. I felt sub-human, left without any trace of dignity. When the temperature in my car read 103 degrees I almost died from the heat twice. I then spoke with a gentleman who worked at a 24 hour store and told him I was homeless. He said he knew someone who had a room to rent in his house. I felt like a lit Christmas tree inside. Hope at last! The next day I went to the house and rented the room. The house was horrible, but it was far better than my car.

I was still bleeding, and then months later the doctor who delivered my children gave me a procedure that stopped the female bleeding completely. He told me, “I am not charging you one penny for this – my number one patient.” Words cannot express the gratitude and love I have for this Doctor.

I was still quite shaken up inside from my living, or rather existing experience. Anxiety and fear consumed me. Yet in the following months, I started to slowly come back to myself.

During months of reflection on the whole experience I learned a lot that I am now going to share with you.

  • As money flows in, ONLY pay for your essential basic living expenses.
  • Take as much of your earnings as possible and put it aside. It does not matter where you put it, either in a shoe box or a cereal box, just put it aside and NEVER touch it!
  • When you go food shopping or to any store buy ONLY what you NEED. Now I literally look at every item and in my mind I think just one word, NON-ESSENTIAL. So I breeze by the isles and get only what is completely necessary and nothing else!
  • Stop eating in restaurants. Stop ordering food to be delivered. Do you have a stove or a hot plate? Cook old family recopies. Chances are the ingredients are low cost as far as food prices go.
  • For household items, go to a Dollar store and buy them there!

    For cosmetic items buy the lowest price ones. They work and look just as great, sans the high prices.

Now, I want to share with you about fancy expensive living.

When I lived in that exclusive penthouse condo, it was not all that it’s cracked up to be. The walls were paper thin, and I heard EVERY noise the couple who owned the condo that backed by bedroom wall made.

I heard them pee! I heard their telephone ring as if it was right next to my own bed. I heard their television.

Then at 4:00 AM, every single morning, I heard the loud noise of the machines that prepared the grounds of the golf course for the residents who played golf.

At the time of this writing I rent a room from another very nice home in an entirely different area. I know my life is back on the upswing and finances will increase again. My goal is to buy a nice but humble home for cash, so I have zero mortgage.

With the home foreclosure nightmare in the United States, there are literally millions of homes that are priced as they were twenty five years ago, which translates to LOW. Never again will I pay expensive rent.

The term “minimalist living” resonates with me now because I lost all I owned in my penthouse condo. I gave away my huge library of books, and donated thousands of books to charities because they were all in storage and the fees were extremely high. So I thought to donate to those in need before the storage company auctioned off almost the entire contents of my home, which they did.

What hurt the most was seeing my children’s toys being loaded onto the truck that was owned by the couple who paid at auction. However, my children were away in college, so that eased the blow. Storage companies are inhumane! My God, the least they can do is allow children’s items to remain. But they don’t give a damn about anything except money.

Although I lost nearly everything materially, I gained so much. What did I gain? I gained freedom from feeling the need to buy material things and acquiring possessions for no reason.

Life is much simpler now. With simplicity comes ease. No financial burden. I gained a higher perspective on spending with new wisdom that I will only spend on what is essential.

I have not used a credit card in twenty two years, so I have zero credit debt. I highly suggest if you have credit cards to cut them up and consolidate any debt while you learn how to live below the financial means you have.

I had to share this experience with you because I felt like it was a dark degrading secret I have been holding inside. I needed to let it out and I pray that it helped you in any way.

There are still positive rippling effects of my experience that I implemented to serve and help humanity. I lowered the prices of everything on my website, all book, live recorded seminars, and love offering buttons for live seminars for people who cannot afford the regular registration tuition.

It feels GOOD to care about humanity and do all I can to help to ease the financial burden for anyone who needs it.

My feelings of shame, humiliation and degradation are behind me. I feel much more humble – and this is a good thing. My life’s mission will continue as a soul who is one with humanity for humanity. This is what is most important in my life’s work and it does bring the greatest joy.

I wish YOU every joy life can offer. I am here to serve and help you. This is what ignites my heart and I hope what I have shared ignites something positive in yours.

The Basics Surrounding Insurance Claims and Coverage for Car Fires

If your car catches fire, there are some things you need to know about insurance coverage and the claims process. Since there are different scenarios that can cause a car to catch fire, you can expect to come across different limits of coverage and procedure for each. Continue reading to learn some basic information about car insurance claims and coverage in the case that a vehicle is burned down in a fire.

Car fires will clearly do a lot of damage to a vehicle. In most cases, cars are rendered a total loss after an engine or chassis fire. Fortunately, most insurance policies offer additional coverage for fires. This is called “comprehensive coverage”, and it will cover damages caused by a fire regardless of how the blaze occurred. However, this type of coverage must be purchased before a fire occurs. Some of the most common causes for automotive fires include car accidents, engine fires, garage fires, and arson.

Motor Vehicle Accidents

Motor vehicle accidents are one of the most common causes for car fires. Serious vehicular collisions and accidents can damage fuel lines and fuel tanks, which leads to gasoline leakages. A tiny spark from metal colliding together is all it takes for combustion to happen. This is often the reason why fires break out after a car accident.

In terms of insurance coverage, the answer can be complex. Depending on how the blaze occurred and the parameters of your coverage, the damage could fall under comprehensive or collision. It is necessary to discuss this with your insurance adjuster to learn the details pertaining to your particular policy. If you do not have collision coverage insurance, there is still a possibility that it could be covered under comprehensive.

Garage Fires

In the case of garage fires, which are more common than you think, vehicles can experience a severe amount of damage. Most of the time, they are rendered totaled. Because garage fires are commonly caused by a household hazard or malfunction, people tend to assume that homeowners’ insurance will cover the damages to their vehicles; but the truth is that homeowners’ insurance never covers vehicles. Instead, cars damaged in garage fires are only covered under comprehensive coverage.

Engine Fires

Engine fires generally result in a total loss vehicle. That is because the cost to purchase and install a new engine is often close to the actual cash value of the vehicle. In this case, comprehensive coverage will cover engine fires. However, it is important to know that car insurance policies do not typically cover mechanical defects inside car engines. Fires are the exception to this rule. Whether a vehicle is a total loss or not, a car insurance policy will likely pay the actual cash value of the vehicle minus the owner’s insurance deductible.


There’s not much to say about the criminal act of arson, except that it does happen to vehicles and the damages can be covered by car insurance policies. Comprehensive coverage covers vandalism, so if a vehicle is intentionally set on fire, the damages are covered so long as a police report is made.

Sell a Totaled Car for Cash

If your car is damaged in a fire, you likely have a total loss vehicle on your hands. Sell your totaled car for cash on the spot to a local junk car buyer. They will pay you cash for the actual cash value of your vehicle. This is sometimes more than what you can get from your insurance company!

Lamborgini Being Used By Italian Police

These days are very interesting. I can tell you I would like to be a police officer in Italy. Why? Well, imagine that italian state police is using Lamborgini Gallardo. Great, isn't it? I know that in some other countries there are also fast cars being used by state police, for example Porsche in Germany, etc. But I think you will agree with me that Lamborghini Gallardo is completely something else, a different league. So let´s have a little look at this police car.

A brand new Lambo was given to the Polizia di Stato by Automobili Lamborghini Spa as a donation. The vehicle has V10 engine producing 500 bhp and has a maximum performance of 190 mph. The car comes in police colors and of course includes a siren and on the roof there are flashing lights. This is the first time ever that Italian police is using Lamborghini.

This supercar will be using the traffic police – polizia stradale on the highway – probably Salerno – Reggio part in Southern Italy. It is equipped with technology able to transmit critical situation informations like road accidents, disasters, fires and other similar situations and also it will be able to transmit in real time images and other info and directly connect to the police database for a check of number plates . There are also a first aid equipments like defibrillator, electrocardiograms, automatic diagnosis of arterial pressure and another one for diagnostication of oxygen and carbon dioxide presence in the blood. The new car will be also used to trasport human organs and plasma in case of transplantation need.

All You Need to Know About Workers’ Compensation Insurance

Workers play an important role in the daily operations, productivity and success of a business. Employers must make sure to give them priority and take care of them. Moreover, all the employers are compelled by law to guarantee the safety of the workplace for their employees. For this reason, workers’ compensation insurance is offered by the insurance companies for all the employers who want to protect their employees.

Overview to the Workers’ Compensation Insurance Policy

Accidents take place suddenly. They can occur at any time and at any place in spite of extra care and attention. Under such circumstances, this insurance policy is beneficial for both employers and employees.

For Employees: It guarantees that the employees will be provided with coverage for the portion of income they lost when they were incapable to work.

For Employers: It provides coverage to the employers from law suits filed by workers. An aggrieved or injured employee may file a lawsuit against the employer. In such a case, the employer doesn’t need to pay thousands of dollars to defend themselves. Instead, the insurance company will provide them with the compensation.

Coverage provided by the Worker’s Compensation Policy

Usually, all types of employees come under the list of workers’ compensation policy. But there are certain employees which are not compensated and are excluded from getting the coverage. Some of those employees are listed below.

Maritime employees

Casual employees

Railroad employees

Employees of private homes

Business owners


Farmers and farmlands

Undocumented workers

Leased or loaned workers

Independent contractors

However, the federal state government provides compensation to federal employees. Moreover, companies with less than five employees are not liable to follow the workers’ compensation insurance program.

Coverage of Injuries under the Workers’ Compensation Insurance Policy

If an employee sustains injuries within the boundaries or outside the boundaries of the workplace, then they are compensated under the workers’ compensation insurance policy. This form of insurance covers injuries that the employees encounter during working, which may include natural disasters, terrorist attacks, or violent acts.

Moreover, in case the employee dies due to an accident at workplace, then they get compensation for the funeral as well. Not only this, the employees are provided with coverage for illnesses or diseases caused because of the employment. For example, employees dealing with toxic chemicals may suffer from illness because of daily exposure to the chemicals.

Benefits of Workers’ Compensation Insurance Policy

The compensation granted to the workers for injuries comes under the American Medical Association. Employees are provided with income benefits depending upon the complete or partial disability. The benefited amount is the percentage of the workers’ weekly wages.

All employers are responsible for their employees; therefore, they need to be sure to have adequate coverage levels within their workers’ compensation insurance policy.

How to Make a Good Deal When Selling Car Parts to a Wrecking Yard

Do you have a junk car at home? Then you must be looking forward to sell it to a wrecking yard. You can either sell your entire car of specific parts of it to earn money. You would also be interested in getting the best deal out of your sale. It is possible for you to sell your old car for junk and get a higher amount than you expect. Here are a few effective tips that you can keep in mind to go for the best deal with the junk pick up service.

Things to keep in mind before you sell your car for parts

Before you sell your car parts, you need to be equipped with several things. Original car title holds a prominent place out of them. If you have it, you are guaranteed to receive the best price out of your deal. You should also get hold of driver’s license information and a local phone directory. If you have any negotiation skills and research skills, you will find it as an easy task to get the best deal.

Do a detailed research on the internet and find the best wrecking yard

You need to do a detailed research before you get in touch with a specific junkyard. It would be possible for you to find a large number of salvage yards in your local area. You need to prepare a list of them after a research. Once you complete creating the list, you can get in touch with each junkyard. You can simply tell that you have a car to be sold. You need to tell specific information about the vehicle as well. They include the model, manufacturing year and any specific damages, if there are any. You should promptly answer all the other questions of the person at junkyard. Moreover, you need to be careful to answer them accurately and truthfully.

Be careful when dealing with the wreck yard

If the junkyard is interested in purchasing your car, you will receive offers. These offers are usually made via the phone. However, you need to be careful when dealing with junkyards that would request you to bring the vehicle to get an estimate. If you do, you will have to pay for the estimated cost out of your pocket as well.

Don’t just go ahead with the first junkyard you come across

You shouldn’t stick to a specific junk removal service when selling your vehicle. You need to contact all the junkyards in your list and request for offers from everyone. Then you need to sit back and compare all the offers that you have received. In the meantime, you need to check whether the received offers are above your expectations or not.

Move ahead when you find the best wrecking yard

Once you get hold of the best deal, you can simply go ahead and deliver your wrecked car to the junkyard for parts. In most of the cases, a person from the junkyard would come and carry your car. Otherwise, you will have to spend money out of your pocket for transportation as well. The junk pickup service will assist you to save a considerable amount of money. If you are selling the car, you need to get in touch with Department of Motor Vehicles and make sure that title is transferred as well.

Child Custody Lawyer – Adoption Attorney – California Divorce Lawyer

Each state has its own regulations regarding family law, and each jurisdiction has its own set of regulations. State laws determine custody rights, spousal support, divorce and even non-marriage issues such as guardianships, emancipation and adoption. Lawyers who specialize in family law must have a thorough understanding of particular statutes of the parties involved. When it’s time to face a life changing situation such as a divorce, adoption or child custody battle, it’s extremely vital to seek the guidance and experience of a qualified family lawyer in your area.


Adopting a child is one of the most common forms of adoption today. Children of single parents may be adopted when two people marry and ensure joint power and involvement of both spouses in the lives of their children. It’s unfortunate, but sometimes insurance policies and inheritance issues are not respected unless a legal connection between stepchildren and stepparents is acknowledged. Adoption essentially forms a way to ensure financial and legal protections for all children in a family.


A divorce is an important and final step in a relationship that needs to be addressed. Important factors such as financial, medical and emotional implications make this process very difficult. Studies have shown hat long term social, mental and physical heath can deteriorate after a couple divorces. Children are generally the most affected by the divorce as their young psyches are not as well adjusted as those of adults.

Child Custody:

Since both parents often want to maximize their time spent with the child, child custody battles can sometimes erupt into a very heated battle. These battles can have a heavy physical, emotional and financial burden on both a parent and a child. It is very important for every parents who face a child custody decision to get prepared for the case so that the personal toll is minimal and your child’s safety is secured and protected.

If you need help resolving a family issue, then you must contact a dedicated and experienced family lawyer who will work to protect your legal rights. It is going to be a difficult period of time, but the guidance of a knowledgably attorney will help you get through it. Please contact a family lawyer today.

Family Service Project Ideas – 30 Excellent Ways to Make a Difference

There is a difference between Pleasure and Joy. Pleasure is often temporary, usually results from getting something, and is most commonly motivated by selfish desires. Joy, however, most often comes as the result of unselfish living and giving, is motivated from within, and is certainly much more than mere temporal gratification because it is a feeling rewarded by the actions taken to bless the life of someone else.

And ironically, this joy does not usually come from monumental, recognized, and massively impactful donations or actions; in fact, it is the small, simple, and often unrecognized actions that mean the most, make the largest difference, and produce what is often referred to as ‘true joy.’

Our great challenge, thus, is not necessarily to do everything mentioned on the list below; rather, it is simply to just do something! Whether it is one or ten items from this list, or something from the hundreds of other ideas not mentioned herein, we as individuals, families, and as a society need to reconsider the me-oriented culture we are daily bombarded with, and do a little more to participate in the small, simple, quiet actions that serve others – and allow us to experience this ‘true joy.’

  1. Pick up trash around your local parks and churches, community buildings and areas, schools and historical spots, elderly homes and hospitals, highways and roads, etc.
  2. Volunteer at local shelters, hospitals, nursing homes, soup kitchens, schools, etc.
  3. Collect clothes, food, toiletries, toys, and basic necessities and donate to your local charity, Church, Salvation Army, or to non-profits that help those in developing countries.
  4. Organize a car wash, raffle, contest, or fund-raiser to collect money that will be donated to help a local family, charity, or underprivileged people from other countries.
  5. Have fun and organize a service scavenger hunt race. Divide everyone into groups and each group has to complete random things for people in the community: rake leaves, mow lawn, shovel sidewalk, pick up trash, sweep sidewalks, etc.
  6. Go to a local hospital or nursing home and sing, read to, put on a puppet show for, make ‘get well’ cards, or just visit with the patients.
  7. Become ‘pen pals’ with or ‘sponsor a child’ from another country.
  8. Gather volunteers to help foster families – help them clean, babysit, or do service for these people to help them.
  9. Volunteer at the next Special Olympics event in your area.
  10. Individually, as a group, or each person in the family donate some money and give it to a local family in need, a charity or non-profit, or local church.
  11. Next time you pass someone on the street that is in need, begging, or homeless – stop and talk to them, give them some money, or buy them a meal.
  12. Call, email, or visit a sick friend, neighbor, or relative.
  13. Volunteer in an after-school program to help a struggling child. Read to them, help them with homework, play games with them, talk to them, laugh and tell stories, and just be their friend. Do the same for an Elderly person.
  14. Collect or make blankets for kids and families in need locally.
  15. Go and volunteer at your local charities, non-profit organizations, Salvation Army, or Churches. Support the United Way, Red Cross, and any other organization who helps others.
  16. Gather stuffed animals, toys, dolls, or fun games – clean them up and donate them to a local family, church, or charity.
  17. Volunteer at a local library or school to help illiterate children or adults.
  18. Regularly visit people at the local developmental center, those who are blind, people with special needs, etc.
  19. Run or walk in a charity with friends that raises money to help people in need.
  20. Help with every day things around the house: do chores, help set table, clean house/room, make bed, vacuum floor, mow lawn, take garbage out, etc.
  21. Go visit a neighbor in need and help them with yard work, clean the house, rides, or any chores they need help with.
  22. Gather and collect old eyeglasses, and donate them to an organization who will give them to local or non-local people in need.
  23. Make a card for and buy a gift for a secretary at your local non-profit organization.
  24. Make dinner or cookies for a new neighbor, a friend or family member, a new or expecting mother, someone who is sick or alone, the elderly or someone in need.
  25. Volunteer as a counselor at the next summer camp, boy scout event, church or community project, etc.
  26. Secretly clean someone’s car, room, house, yard, etc.
  27. Go and donate blood, and volunteer at your local health clinic (or fair).
  28. Volunteer to do office work, or any other helpful project for your local church or non-profit organization.
  29. Invite new neighbors, a local youth group, new members of your congregation, elderly people, or anyone else into your home for a fun game night.
  30. Go to the local hospital, nursing home, or school and just spend time playing games as a family with these people, groups, or children in need.

Experiences of a Lawyer Shows Why ObamaCare Makes Good Economic Sense

In the trenches of the US health care system, when an injured person requires immediate medical treatment, they get it. It is the American way to help the injured. When was the last time we saw a hospital turn away a bleeding patient, or a person sitting in the emergency room with a compound fracture. If a hospital did that, we would see outrage on the nightly news.

As a personal injury lawyer, I know the facts. People without health insurance get treated and that treatment gets completely written off by the hospital. How does this happen? What happens is a social worker from the hospital will come into the patients room and conduct a financial review. They will ask the obvious questions, such as, are you married, are you employed, and do you have health insurance.

For arguments sake let’s say, patient is single, living alone, and lost their job within the last year. Guess what, that patient is one of those uninsured Americans. Now, not only are they uninsured, but they are seriously injured. So what is the prospect of them paying the bill anytime soon. The hospital in some cases, not all cases, will simply write it off as a bad debt. Or, they may opt to just put the patient into collections with no real prospect of being paid and ruin their credit.

So, you are writing off a bad debt. The work is already done. How does the hospital recoup the money? The answer is you charge the next guy with the insurance more money. You have to pass on the fixed cost in some way. For instance, you could not own a fruit stand and give some of the fruit away to starving people and not try to raise your prices on the remaining inventory. After all, even the fruit stand owner has bills to pay.

As a personal injury lawyer, I see the lack of affordable health care hurt the economy in additional ways. For instance, every now and then I will receive a call from a person claiming to have suffered an injury and wanting to sue. So, I listen to what happened and I immediately determine that the injuries suffered do not amount to a viable liability claim. When I tell the person I am not interested because I do not see liability, I get the standard come back. “All I want are my medical bills paid”. In other words, the person was hoping they had a lawsuit because they have no insurance. The person knew or should have known they did have a negligence claim, but they are desperate to pay off their debt.

The problem is confounded by the idea that even though the claim is marginal, a lawyer might try to pursue a settlement because of the injuries. Remember the client is desperate to pay medical bills. The lawyer is only presenting the client’s argument. The risk for the lawyer is that they could lose and get nothing. However, the cascading effect occurs because when a lawyer gets involved it costs the insurance company money.

The reality is that most people would never think of suing or filing a claim if they had insurance. The entire motivation behind a lawsuit is not money. The entire motivation is payment of medical bills. That is why the affordable care act will ultimately save billion’s of dollars and help the citizens of the US get the health care they deserve.

There are legitimate claims for damages filed every day. These claimants need to be compensated for there injuries caused by the wrongful acts of others. The uninsured person interfering with legitimate claims puts a significant burden on the economy, the tax payer, and the legal system. So, why not provide affordable health care.