Carrying Auto Liability Insurance: A Much Wiser Decision than not Carrying One

Posted by on Feb 5, 2016 in Auto Insurance | 0 comments

When searching for an insurance firm for car liability coverage, drivers need to know and understand a number of important things which may help them end up choosing the firm that will be best for their specific situation, need and budget: in short, an insurance firm that will provide great coverage without really hurting their pocket.

Rather than a federal mandate, carrying auto insurance liability is rather made compulsory by the state. Due to this, laws vary with regard to the maximum amount of coverage and the type of insurance that drivers should have. Below are some vital information regarding car insurance coverage:

  1. Types of coverage

With regard to auto insurance coverage, states are identified based on the type of coverage that they require; thus, there are those called “tort” states and there are those identified as “no-fault” states.

In tort states, the full tort insurance coverage is the mandate. In the event of an accident, the driver, who claims to be a victim, can file a civil lawsuit against the at-fault driver to seek compensation for all the damages he or she has been made to suffer. This compensation, which will be paid by the at-fault driver’s car insurance provider to the victim, may cover cost of medical treatment, lost wages due to absence from work, and pain and suffering, among others.

In states where the no-fault insurance coverage is required (this type of coverage is also known as personal injury protection or PIP), there is no need to determine whose fault the accident is, thus, no lawsuit needs to be filed. In the event of an accident, the drivers involved are compensated by their respective car insurance providers, regardless of who is at fault in the accident. The states where the no-fault coverage is required are Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota, and Utah. In the states of Kentucky, New Jersey and Pennsylvania, drivers are allowed to choose either the full tort or the no-fault coverage.

  1. States that do not require car insurance coverage

The states of New Hampshire and Virginia are the only ones identified as having no insurance liability coverage mandated on drivers. In New Hampshire, drivers can simply show capability of providing sufficient funds in case of an “at-fault” accident, while in Virginia, drivers are required to pay a significant fee to be able to register their uninsured car. The states of Washington, New Hampshire, Montana and Hawaii, meanwhile, do not require carrying of liability insurance coverage on motorcycle riders.

Despite being required by the law in 48 states, 1 in every 8 drivers, according to the Insurance Research Council, continues to drive despite being uninsured. One consequence of this driving violation is being required by the court to file an SR-22, a certification that your car insurance provider will have to send to your state’s Department of Motor Vehicles (DMV), proving that you already have liability coverage. SR-22s usually last for three years and causes a little addition to your insurance premium, making a bit more expensive.

Many drivers rather risk driving without coverage, rationalizing that they cannot afford to pay premiums. In its website, however, the firm Insure on the Spot clearly explains why not being insured may prove to be much more expensive than carrying insurance. Furthermore, said firm urges drivers to seek the help of independent car insurance companies when it comes to their insurance needs. These companies are able to provide drivers with an insurance quote which can best fit their situation (if they have committed traffic violations in the past), needs and, most specially, budget.

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What You Need to Know About Avoiding Identity Theft

Posted by on Nov 11, 2015 in Criminal Defense - White Collar Crimes | 0 comments

Identity theft is the deliberate use of someone else’s identity for personal benefits, typically for financial gain. This type of act is classified as a white-collar crime, which means that it is money-motivated and non-violent in nature. Every year, about 15 million Americans are being victimized by identity fraud. This accounts for more than $50 billion worth of financial losses!

According to the website of Kyle Sampson, Attorney at Law, identity theft can be committed through a variety of methods. Some steal credit card information, while others steal checks. Hacking computers and pulling up financial information through misrepresentation are also ways on how to commit identity theft.

Baton Rouge white collar crimes lawyers would probably tell you that stealing an identity for financial gain is punishable to the fullest extent permitted by law. People should be aware of ways to avoid falling prey to identity theft. After all, the best defense is always better than the most aggressive offense.

Only share information that you can afford to lose

The logic is simple: information shared in public is private information lost.  Be mindful of what you post on your social, you might be posting critical information that could be used to steal your identity.

Don’t get too excited entering your credit card info

A majority of credit card thefts involve online shopping. You can minimize your risk of fraud by using only e-commerce sites that you have tried before. If you feel that the page asking for your credit card information looks a little bit dingy, close the window immediately. It is better to err on the side of caution than to be sorry.

Be critical on how you respond to email messages

Typically, financial details are NEVER (or should never be) communicated through email. If an email asks you to reply with your financial details, it is most likely a fraud. If you receive a suspicious email, do not respond and report it to the appropriate entity involved.

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Uterine Fibroid: What It Is and How It Is Treated

Posted by on Nov 10, 2015 in Dangerous Medical Devices / Drugs | 0 comments

During your child-bearing years, you are at most risk of developing uterine fibroids, or myomas. Uterine fibroids are benign mass of tissues in the inside lining of the uterus. Uterine fibroids are not cancerous, or they rarely develop into cancer. But although they aren’t malignant, some of these benign masses can be so large that it can cause pain and discomfort.

According to Mayo Clinic, 3 out of 4 women develop uterine fibroids at some point of their lives, but many hardly notice any symptoms. For larger uterine fibroids, a woman may suffer from heavy, irregular, or prolonged menstrual flow. Uterine fibroids that press adjacent organs in the pelvic area may also cause pelvic pressure, bladder disorders, leg pain and constipation.

Most uterine fibroids are self-limiting, which means they disappear even without treatment. For larger uterine fibroids, doctors may recommend oral contraceptive pills (OCPs) to control menstrual flow. However, according to the website of Williams Kherkher, some OCPs, such as Yaz, Yasmin and Ocella, have been associated with dangerous blood clots. So it is important to consult with your doctor whether the drug’s benefits outweigh its risks.

Fibroids that are too large can also be removed through laparoscopic procedures. Medical devices, such as the Da Vinci Robot, have been used extensively to remove dangerous fibroids in a minimally invasive way. However, you should be aware that more and more people are filing a da Vinci robot lawsuit due to adverse complications, such as excessive bleeding, burns and tears in the bowel, punctured blood vessels, and even death.

Any women of child-bearing age may develop uterine fibroids. However, those with hormonal problems or are under hormone replacement therapy are at greater risk. African-American women and those whose mother or sisters had fibroids are also more prone to these. So, if you think you are at increased risk of this disease and are experiencing one or more of the symptoms above, visit your physician right away for prompt diagnosis and treatment.


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Two Best Car Radiator Remedies That Work

Posted by on Nov 9, 2015 in Car Accidents | 0 comments

Your car radiator is responsible in keeping the temperature of your engine within normal operating condition. Without it, your car simply won’t run. Furthermore, a malfunctioning car radiator may result in engine breakdowns, making you more prone to car accidents while on the road.

The website of the LaMarca Law Group, P.C. points out how life-changing a car accident could be, especially to the victims. Unfortunately, far too many accidents in the U.S. road have already been associated with malfunctioning car components. One of the car parts that are prone to damage is the radiator. There are many reasons why a car radiator may leak. A front fender bender, for instance, could be enough to damage your radiator. On the other hand, the website of the The Seegmiller Law Firm says that radiators can malfunction if manufactured below quality standards.

Sealing a leaky radiator is easy when holes are visible. Applying cold weld epoxy, for instance, is an effective temporary fix. Another good way to fix it is by rubbing a bar soap to the hole until the leak stops. But what if you can’t find them? Here’s what you can do to seal small, unseen radiator holes until you get to the nearest repair shop:

Raw eggs

You may use eggs in plugging unseen and unreachable radiator holes. As the hot radiator water cooks the egg, it solidifies and seals the leak.

Black pepper

Pinhole leaks in your radiator can temporarily be sealed with black pepper. As the water in your radiator warms up, the small pepper pieces would circulate, allowing some of the bits to lodge into the holes. Paprika, mustard powder and cornmeal can also be good alternatives.

But remember, peppers and eggs shouldn’t be in your car’s system in the first place. So, the moment you seal those holes temporarily, rush to the nearest repair shop for a permanent fix.

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Dead or Alive: The Debate Over SEO Continues

Posted by on Nov 6, 2015 in Copywriting / Content Writing | 0 comments

Google is becoming more and more sophisticated in intuitively filtering every search results, so much so that it feels a little bit creepy at times. With its fine-tuned functionalities, this search engine giant has mastered the art of reading beyond our search queries that it almost feels like it is reading our mind. With algorithms as sophisticated as these, people often wonder if search engine optimization (SEO), which was conceptualized more than 20 years ago, can still live up to the changes.

Why SEO is dead… for some

SEO is the process of improving a website’s visibility in the Internet, oftentimes with keywords packaged in relevant and compelling content. Some people argue that SEO is already a thing of the past primarily because of two things: One, search traffic is heavily being split into different niches. In the past, we only have Google (and Yahoo!) where we can do our searches. But now, there is a wide array of channel to search from. Yelp, for instance, is a crowd-sourced channel where you can find local businesses. On the other hand, e-commerce sites, such as and eBay, are becoming the choice of some shoppers.

The second reason is that people rely more on their social media to look for what they need. Facebook, for instance, is where you can find cafes, shops, or products recommended by people who you actually know, like family or friends.

SEO has changed, but not dead

But according to the website of Kinetic Word, nothing has really died, it’s only changed. Like before, Google still uses complex mathematical algorithms to guess which sites are relevant. And these algorithms still need words that would trigger results.

You should also keep in mind that great keywords are not the only thing that matters for SEO. More than specific words, Google looks for meaning; and for your SEO campaign to be effective, you need content that promises engagement and relevance. After all, the real purpose of SEO is to make quality and engaging content easier to access. In other words, you don’t only need to make content findable; you have to make them tasty, too.


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Dog Bites: Its Dangers and What You Can Do About Them

Posted by on Nov 5, 2015 in Personal Injury | 0 comments

Dogs are man’s best friend. But they can be dangerous, too. In some instances, they can even be deadly. According to WebMD, approximately 4.5 million Americans are being harmed by dog bites, one out of five of them require emergency visits. Unfortunately, these unexpected visits could mean loss time at work, or costly medical bills.

According to the website of the Columbia personal injury lawyers at the Goings Law Firm, LLC a a dog attack can be quite dangerous or even fatal. Injuries that are most often associated with dog attacks are the following:

  • Rabies – Fatalities caused by rabies have dramatically declined over the years. In fact, a majority of rabies death in the U.S. now occur in the wild. However, unvaccinated dogs may still carry this virus, and a single bite could be extremely fatal.
  • Post-traumatic stress disorder – The website of the Green Bay personal injury lawyers of Habush Habush & Rottier S.C. ® says that some dog attacks can be emotionally devastating for the victim. If the traumatic experience of being attacked by a dog keeps haunting you and affects your everyday function, you should seek medical help for PTSD diagnosis.
  • Tetanus – Like rabies, tetanus caused by dog bite is rarer in the U.S. compared with other countries. When left untreated, however, this condition may result in life-threatening complications, such as meningitis (infection of the brain’s outer membranes), sepsis (blood poisoning), and endocarditis (infection of the heart’s inner lining).

The website of the Abel Law Firm said that in some states, a person attacked by a dog can hold the dog owner liable for the damages he has incurred, unless the person attacked provoked the dog or was acting unlawfully (ex. trying to break in a house). On the other hand, in some fewer states where “one-bite rule” applies, the owner of the dog may not be held liable for the attack if the owner proves that he is not aware that his pet may do harm.

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