Carrying Car Liability Insurance: A Mandate in the US

Purchasing a collision insurance policy may be the most logical way of protecting your car, meaning, of you having the needed cash for repairs or replacement in case it gets damaged in an accident or catches fire, or gets stolen. To be able to afford, and not default on paying, compensatory damages to a victim of an accident wherein you are at fault, then the best way is to carry car liability insurance.

Collision insurance, which you may or may not want to purchase, is designed to protect you; a car liability insurance, however, which is designed to protect an innocent accident victim, is something that you will need to have as it is mandated in all US states, with the exception of New Hampshire and Virginia.

The car insurance law was first made compulsory in 1925 in the states of Massachusetts and Connecticut. Other states eventually also enacted their own mandatory car insurance liability laws. The reason behind the mandate is to make sure that at-fault drivers do not default on paying accident victims the compensation the court has declared them worthy to receive.

The type of car insurance coverage that drivers will need to purchase depends on what is required in the state where they reside. In tort states, drives need to carry the tort liability insurance coverage; in no-fault states, however, what drivers need to have is no-fault car insurance, also known as Personal Injury Protection (PIP).

Under the tort insurance system, an accident victim is allowed to file a civil lawsuit against the at-fault driver for damages, which include cost of medical treatment and hospitalization, loss of wages, pain and suffering. A total of 38 states require this type of coverage on all their drivers.

In states where the no-fault car insurance coverage is required, however, compensation is paid by the respective insurance providers of the drivers involved in an accident. This eliminates the need for the victim to file a civil lawsuit against the at fault driver, as compensation will be paid regardless of who is at fault in the accident. No-fault insurance is required in Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota, and Utah. In the states of Pennsylvania, New Jersey and Kentucky, drivers have the option to carry either no-fault car insurance or full tort car insurance.

One bothering thing, though, is the fact that not all drivers carry car liability insurance because they find insurance premiums too costly to pay. According to Insure on the Spot, drivers can go to independent car insurance companies for help in finding the best possible policy regardless of their driving record and the kind of car they drive. These companies help make sure that drivers also get the policy that will not be a burden to their pocket.

Inspecting Your Truck Before a Trip

Trucks are the prime movers of the economy. We rely on them much for the delivery of our everyday goods. Without them, it would be impossible to shop for your weekly groceries, or receive packages from a friend living afar. With this high demand for trucks, it is impossible not to share roads with them. However, lawyers from the Sampson Law Firm say sharing roads with these colossal vehicles makes pedestrians and other drivers more prone to truck-related incidents. So to avoid getting into any trouble, it is important to inspect your truck first before hitting the road. You may do a clockwise check of your truck for your pre-trip inspection. To guide you, here are the things to watch out for when checking your truck:

• Engine – Look for leaks under the truck. Check if your belt is cracked, bent, frayed or broken. Wires should be properly mounted. See if the coolant reservoir is not leaking. Engine oil, power steering oil, and coolant should all be in normal levels.

• Tires and rims – Check your tires for any bulge and cracks. Air pressure should be within the recommended level. The depth of your tire treads should not be less than what is recommended. If you have dual tires, make sure that there is nothing stuck between the two tires.

• Mirrors and lights – Headlights, tail lights, and turn lights should all be working properly. Mirrors should be clear of any dirt and smudge, and should be properly mounted to provide better visibility.

• Trailer – Check if your load is properly secured. Electric and air lines should be tightly mounted. Trailer suspensions should have no leaks. Frames should be free from any crack and there should be no missing cross members.

Inspecting your truck before hitting the road is necessary not just for your safety, but also for the safety of others who share the road with you.

Common Types of Rollover Accidents

The National Highway Traffic Safety Administration categorizes rollover accidents in two ways, tripped and untripped. Of all single-vehicle rollover accidents, 95% of them are tripped. This simply means that something catches the tires and causes the vehicle to rollover. Though much less common, untripped vehicle rollovers are just as severe as tripped rollovers. These are caused when a driver attempts a collision avoidance maneuver at speed.

Unlike untripped rollovers, tripped rollovers are broken down into three subcategories.

The NHTSA identifies the subcategories as soft soil, guardrail, and steep slope. Soft soil rollovers are a result of a vehicle attempting to recover after veering of the road and having its wheel get caught in soft soil such as soft shoulders, pavement surface discontinuations, snow banks, or other object such as curbs. Guardrail rollovers are caused when a vehicle’s tires ride up on a ramp-like object causing one side of the vehicles to become airborne or lose contact with the road and forcing the vehicle into a roll. Similar to soft soil rollovers, steep slope rollovers are causes by a vehicle veering off the road and onto an inclined slope that is too steep for the vehicle to remain upright. The NHTSA recommends always having the electronic stability control system on a vehicle activated in order to help avoid loss of control when veering off the road.

While tripped rollovers generally occur off the road, untripped rollovers often occur while still on the pavement. These generally happen when a top-heavy vehicles attempts change the direction of a vehicle too quickly and thereby causes a quick shift in weight that initiates the rollover. These are most common in large vehicles like loaded trucks, SUVs, and 18-wheelers. Numerous studies have confirmed that SUVs are far more likely, by as much as 75 percent, than many other vehicles to be involved in a rollover accident due to their design. This may be why it seems as though they are more expensive to insure. Higher risk of accidents translated to inflated premiums. The IOTS website has further reading on this matter.

Though many of these accidents are often caused by the driver’s own negligent driving, in some cases these accidents are caused by someone else on the road or even the manufacturers of the vehicle. The website of Crowe & Mulvey, LLP states that many rollover accidents caused by a third party can be avoided if that other party had acted more responsibly. These cases are commonly associated with defective vehicle or tire manufacturing, road defects due to lack of maintenance or improper construction, and reckless or negligent driving by others.

Dangers of Flibanserin

Though it has been rejected twice by the FDA, Sprout Pharmaceutical has once again pushed for the approval of its drug flibanserin, also commonly referred to as Viagra for women. However, this time Sprout’s drug has been approved by the FDA despite the common risk associated with the drug.

Although the mission of the FDA, according to their website, is to ensure that drugs marketed in the U.S. are safe and effective, it is not surprising that often times, the FDA can fall short of accomplishing this due to outside forces and limited drug testing. Flibanserin is the latest example in the long list of drugs the FDA has approved even with knowledge of its negative side effects. These side effects include low blood pressure, fatigue, and fainting. In addition, dangers have been sited when the drug is used in combination with alcohol and birth control. There is also concern as the unknown effects the drug will have on pregnancy, fertility, and breast cancer.

The surprising approval comes amidst criticism citing the FDA’s failure to take female sexual dysfunction seriously. The FDA itself has acknowledge that flibanserin’s increase in sexually satisfying events among women per month by only 0.5 to 1 is questionable as a sufficient treatment to help women with low sex drives. They have also questioned whether the observed effects outweigh the safety concerns. Although it was rejected unanimously just five years ago, this year the drug has been approved by a vote of 18 to 6.

Unfortunately, in situations similar to this, it often takes a number of people being harmed before a drug is recalled or discontinued by the FDA. For example, according the website of the GranuFlo lawyers at Williams Kherkher, in 2010 it took 941 people suffering from instances of cardiac arrest before the FDA recalled the popular GranuFlo dialysate.

Understanding that there are risks involved with the approval of flibanserin, the FDA has added several safety restrictions to the drug. Panelists suggest that the FDA require special certification for doctors who may prescribe the drug. However, this is often ineffective in protecting patients. For example, Risperdal is only one of many drugs that the website of Williams Kherkher says has been wrongly prescribed by for unapproved, “off-label” uses.

Types of Financial Support for Victims of Erb’s Palsy

An unfortunate reality of births is the risk of suffering from Erb’s Palsy. Defined as a paralysis of the arm, Erb’s Palsy results from nerves in the upper arm being damaged. Fortunately, there is an 80 to 96 percent recovery rate in cases regarding Erb’s Palsy. However, while some recoveries occur naturally over time, Erb’s palsy lawyers note that others require serious medical treatment which may be extremely costly for families affected by the often avoidable injury.

Because of the commonality of these injuries, several financial resources have become available for families inflicted with Erb’s Palsy.

One of those resources is Social Security Assistance. This program applies to families that are eligible based on financial needs. If qualified, families can receive supplemental income to help pay for living expenses associated with the injury.

Other great resources are organizations. For example, the United Brachial Plexus Network and the Disabled Children’s Relief Fund provide families with the support they need to take on the many financial burdens resulting from treating Erb’s Palsy.

The unfortunate truth is that, while injury is avoidable, medical practitioners often fail to act responsibly or exercise proper care which can cause an infant to develop Erb’s Palsy. Some common negligent acts on behalf of doctors are abnormal pressure on the infants head or shoulders during deliver, and unusual sideways movement of the head and neck when traveling through the birth canal.

Gardening and Soft Water

Due to the uncommon amount of rain we have been experiencing lately, watering your garden may not be at the top of your list. However, because of the dangers associated with contaminants and flood waters, many have turned to in home water softening systems in order to ensure that their drinking water is safe. But what happens when the rain stops? If you plan on investing in a water softening system in the near future, you may be wondering if that system is safe to use on your garden as well.

While many gardening experts would normally tell you to shy away from using soft water to maintain your garden, the truth is that there are options out there that allow you to obtain all of the benefits of soft water without any of the harmful chemicals or minerals that could potentially destroy your garden.

The reasons many cite for not using soft water is the high levels of sodium caused by salt that is usually associated with these systems. Because many plants are intolerant to high amounts of salt, their ability to determine the amount of water they have taken in becomes imbalanced. As a result, these plants essentially think they are taking in more water than they actually are and eventually die. In addition, the high amounts of salt build up in the soil and hinder the ability of new plants to grow.

Fortunately, salt-less water softening systems are available. Rather than using salt, many of these systems use a form of kinetic energy in order to reduce water hardness, remove scale-causing minerals, iron, and odor-causing impurities. According to the website of American Water, the lack of salt in these systems make them safe to use in your garden and provide you with the same benefits of a traditional water softening system.

Balayage Benefits

Taught for many years in the UK, the French hair coloring technique known as balayage has recently become widely popular in the United States. In fact, it is now one of the most requested hair coloring techniques in salons across the US.

So what makes it so special compared to traditional techniques? Balayage is a technique where highlights are essentially painted on by the colorist rather than using the tradition foil technique. The lack of bleach and minimal color dye allows the stylist to make the highlights as soft or strong as the client wishes. This makes balayage one of the most versatile coloring options on the market. With the right stylist, it much easier to color hair in a way that best suits the clients skin tone and ultimately highlight their features. Additionally, the technique works on basically on both light and dark hair as well as practically all lengths.

Apart from looking great, balyage is also extremely low maintenance. While traditional highlights require constant maintenance, about every 6 weeks or less, balayage only requires touch-ups every eight to twelve weeks.

Another great benefit of balayage highlights is that they do not require saturating hair in heavy amounts of bleach and dye. This results in softer, silkier hair with less damage and dryness. The technique also avoids getting any product on the scalp. This makes it safe for women who are pregnant or are allergic to certain hair products. The professionals at Therapy Hair Studio state that balayage truly is the safest, most versatile, and lowest maintenance option for women who want beautiful highlights in their hair.

Common Causes of Construction Related Deaths

According to the United States Department of Labor, of all worker deaths in private industries, one in five of these deaths are in construction. Of those construction deaths, over 55 percent of them are a result of falling, being struck by an object, electrocution, and getting caught in or in-between objects or equipment.

Falls account for over 35 percent of all construction related deaths. In fact, they are so common that many states, such as New York City, have specific laws regarding construction related falls. According the website of Hach Rose LLP, a New York firm specializing in personal injury, New York has a strict liability statute applying to gravity-related injuries such as a worker falling from a height or an object falling and striking a worker, the second most common cause of death at 10 percent.

The third most common cause of construction death is electrocution. These are often caused by faulty wiring, overhead and underground power line safety problems, or electrical hazards with standing pools of water. Safety violations related to electrical equipment are so common that they are ranked twice on OSHA’s top 10 most frequently cited violations.

Another common, high ranking violation for OSHA is machinery and machine guarding requirements. These violations often result in about 3 percent of workers getting caught in or in-between construction objects or equipment.

Simply being aware of the dangers associated with unsafe construction sites is not enough. Even when construction workers are safe, deaths may be caused by negligence on behalf of the contractor or property manager. The website of the LaMarca Law Group, P.C. states that although the laws and regulations pertaining to construction in the U.S. are quite strict, there are a number of professionals who are willing to gamble with safety regulations in order to save on time, labor costs, or expenses for materials. By doing so, they endanger the lives of workers and future occupants.

Differences Between Contested and Uncontested Divorce

Deciding to get a divorce can often be stressful for both partners. Considering the fact that issues regarding division of property, debt, child custody, child support, and spousal support are a large part of every divorce, the act of separating from your partner can be a long and difficult process. Therefore, it is important to weigh out your options when determining how to best go about the process of getting a divorce.

Divorce is often handled in one of two ways. Either the couple is able to agree on several terms out of court, or they ask the court to decide for them. This is essentially the difference between contested and uncontested divorce.

According to the website of Marshall & Taylor, PLLC, nearly 90 percent of all divorces in the United States end in uncontested divorce. A common misconception is that the majority of divorces result in heated legal battles between spouses. However, many couples either still feel a strong connection to their partners or simply want to get the process over with as soon and as easily as possible in order to move on with their lives. An uncontested divorce should always be your first option. Setting mutual terms outside of court always couple to bypass lengthy and costly legal proceedings.

Unfortunately, agreement on all matters cannot always be settled outside of court. In this case, the help of the court is often necessary. While much less common, only about 1 percent of divorces are contested, this type of divorce is much more expensive due to its complexity and necessity of an attorney. In addition, contested divorces often result in animosity between the two partners.