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10 Signs that You Over Pay For Your Car Insurance

I don’t know the way to break this to you, but most drivers are paying a lot of for their car insurance!

For instance, ever wondered why your premiums haven’t gone down even though you are already driving carefully for a long time? Or why, suddenly, your premium took a huge jump? For more info, here’s the original source. These situations are caused by a misclassification from the insurance representatives, through the drivers’ lack of knowledge, or through the insurance companies’ rate hikes.

spend less on car insuranceIf you have had a good driving history over the past three years, you’re already on course. If your record is poor, don’t give up. You can always straighten out your record inside the future-and use this article in order to save you money throughout the waiting period.

Car insurance rates differ from person to person according to how they use their vehicles. The best usage category is perfect for full-time farming. The subsequent lowest category is for pleasure use, which include driving to operate less than 30 miles roundtrip per week. The next categories are for vehicle use for work between 30 and 100 miles per week and for work over 100 miles per week. The highest category is perfect for business use including on-the-road sales, light delivery work, and other jobs requiring the continual commercial use of a vehicle.

The main difference between an insurance agent and a broker is the fact that an agent works exclusively for starters insurance company while an agent works for himself, subcontracting with various insurance companies. Therefore, the honesty, integrity, personal service, and value competitiveness of both needs to be your primary concern when selecting your personal insurance representative.

Both are licensed through the same state insurance department, letting them earn commissions which range from 10 percent to twenty percent of your annual premium. Because you can’t get yourself a telephone quote or even the car insurance without their involvement, it’s important you realize that the simplest way to get the best rate and representative is via knowing the car insurance principles and cost-saving techniques which can be outlined in the following paragraphs.

This entry was posted on February 15, 2017, in Legal.

Your Rights as a Renter

As a tenant in the Chicago area, it is important to know and understand your rental rights and responsibilities. You are needing to break your lease. Maybe you’ve gotten a new job, lost your job, you live in an undesirable neighborhood. Are you purchasing a home? Moving in together, or ending your relationship? Whether it’s one or a number of different reasons, you should educate yourself on your chicago tenant rights prior to renting.

When you rent, you will most likely be asked for a security deposit. This is money that the landlord keeps in the case of any damages or repairs needed for the time you are renting from them. In Chicago, the security deposit is the property of the tenant. The landlord is simply holding the deposit, and should be holding it in a separate account which bears interest. After moving out, the landlord is given 45 days to notify you of any damages. If you are not notified, the landlord is then obligated to return he security deposit to you. In the event there are repairs to be made, he or she must furnish the paid receipts within the following 30 days.

It would be in your best interest to notify a security deposit lawyer in the event of any of the following: you have moved and your landlord has not returned your deposit, they have failed to pay interest on your security deposit, they have claimed your deposit for invalid repairs, or you have only received partial payment back. There are proper procedures to be followed in a situation where you are taking your landlord to court. You may contact The Illinois Tenants Union, as well, at (773)478-1133. Residents living in the Chicago and Evanston areas are governed by the RLTO, or Residential Landlord and Tenant Ordinance. The Illinois Tenants Union serves individuals who rent houses, condos, or in apartment buildings. They are your advocate if you are a residential renter.

Your landlord may only keep your security deposit after you’ve moved if you have moved out owing rent, or you have damaged something in the apartment. The key to a good relationship between you and your landlord is knowing your responsibility as a renter, and knowing your rights. You can receive further information regarding your rights by contacting the Chicago Rents Right hot-line at (312)742-RENT.

This entry was posted on December 19, 2016, in Legal.

Were you aware that Texas motorists could get FREE auto insurance quotes?

The Cheapest Texas Car Insurance In contrast, texascarinsurancerates.org rates in Austin v. Dallas parents who had been receiving $65 to $80 each month using their son who resided with them, to supplement the $110 they received by means of old- age pension, were held never to be principally determined by him for financial support since he contributed not even half of these income. Accordingly, they didn’t be eligible for benefits when he was killed in a car accident.95 The factors for determining actual dependency were discussed in Austin v. Dallas Insurance Co.96 The Dallas High Court listed the criteria as (a) the quantity and time period of financial dependency; (b) the financial as well as other needs from the claimant; (c) ale the claimant to become self-supporting; and (d) the general lifestyle from the family.

As texascarinsurancerates.org website described above, the location scheme allocates advantages to primary and secondary dependents. Where a spouse is killed, the surviving spouse is the primary dependent along with a child or , if there is no child, a parent would have been a secondary dependent. If the sole parent (there being no spouse prior to the accident) is killed, the little one (or parent) is the primary dependent. But, inside the situation where both spouses are killed within the same accident the issue arises regarding the use of survivor-ship legislation which for many purposes deems one spouse, in fact killed simultaneously as the other spouse, to possess died following your other. If this type of legislation is applied, the estate from the spouse deemed to get died second will be eligible for the huge benefits payable to some primary dependent along with a child would receive benefits due to secondary dependents. In addition, the kid would become qualified as a principal dependent of the spouse deemed to have died second. As a result the insurer is liable to cover twice with regards to primary dependents. Make sure you are paying the lowest rate available with Texascarinsurancerates.org!

The texascarinsurancerates.org TX state regulations now limit the liability of the insurer in circumstances of your common disaster during these terms:The location where the death with the head of household and of a spouse or dependent of the head from the folks are caused by a common disaster, any benefits payable under section 93 will probably be paid only according from the death from the head of household. You can learn more at the official Texas State Gov Website.

This entry was posted on November 18, 2016, in Legal.

Looking On The Bright Side of Lawyers

Your Options When Offered a Small Personal Injury Compensation

You can know how much compensation to demand from the party that caused your injuries after going through your medical documents and receipts of others costs. Your lawyer can help you write a demand letter indicating how the accident happened and the amount of compensation you need.

In most cases, the insurance company will respond with a counter offer. After examining all the evidence of your personal injury claim, they may feel that the amount you are asking for is too high and may offer to settle with a much lower amount. If the insurance company offers a lower settlement, you should not accept it nor should you panic. Most personal injury lawyers will tell you that this is a ploy commonly used by insurance companies to get you to accept the lower settlement. Instead, here is what you can do:

i) Analyze the offer when you are calm
The outcome of your case will depend on whether or not you accept the offer of the insurance company. You should therefore think carefully before responding to the offer. Do not be outraged with the offer, no matter how small it is. Remain professional at all times, as anything less will make you seem desperate for money, something that insurance companies can smell a mile away.

ii) Get back to the insurance company in writing
Your accident lawyer will first want to know why the insurance company offered a smaller settlement before proceeding with the next step. For example, the insurance company may point out that the evidence provided is not sufficient to determine your innocence in the accident.

Once these justifications are received, your personal injury lawyer will now be better placed to source for additional documents where necessary, and formulate an official response to the initial offer. Your lawyer should respond to the insurance company in writing and address any issues that may have been raised in the previous communication.

iii) Propose a counter offer
In the response letter, your attorney should indicate a new offer that you may have come to an agreement on, usually lower than the first offer but higher than what the insurance company proposed. At this juncture, the case will be in the negotiation stage and your attorney will try his best to get you a reasonable settlement for your injuries.

The insurance company may not yield to the demands of your attorneys quick and may also offer a counter offer. This is the nature of negotiations in a personal injury case.

iv) Get the agreement in writing
When the negotiations are successful, your attorney will draft an agreement letter and keep a copy on your behalf. The agreement will state how much should be paid and within what time period.

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This entry was posted on October 7, 2016, in Legal.

David R. Price, Jr., P.A. Announces the Release of New Educational Videos

FOR IMMEDIATE RELEASE

(Greenville, SC) David R. Price, Jr. announces the release of a new series of educational videos related to various legal topics, including Personal Injury, Workers Compensation, Car Accidents and criminal defense. The videos discuss how insurance works, what to do following an automobile accident, how liability works within the state of South Carolina, how to determine the value of a case and much more. Individuals who take the time to watch these videos find many, if not all, of their questions are answered without the need to speak to an attorney, allowing more time during the initial consultation to discuss the case.

“Individuals often want to know if they may recover damages from a family member or what happens if their work injury was their fault. They may hesitate to contact an attorney, however, due to a desire to obtain more information before they take this step. The new video series answers these questions and numerous others and provides potential clients with information they want and need in a format most prefer,” David R. Price, Jr., spokesperson for the firm, announces.

Individuals filing a civil case in South Carolina must pay a $150 filing fee and follow all rules and guidelines found in the South Carolina Rules of Civil Procedure. In addition, individuals must know who to hold accountable for their injuries and where to file the case. The more information an individual has, the easier it is to determine whether or not to proceed. 

“Learn how the lawsuit process works or what to do and not do when involved in a car accident. Everyone benefits from these videos, not just those currently involved in a suit. The videos are short and to the point, allowing individuals to obtain the information they need without delay. Each person should stop and review these videos to have an understanding of what to do in various situations. Most can be watched on commercial breaks while viewing a television show, thus people don’t have to take time out of their busy day to learn something new,” Price continues.

In addition to the videos, the website contains articles covering a wide variety of topics, allowing each person to choose the method they are most comfortable with. Topics covered in the articles include auto accidents, criminal defense, workers’ compensation and personal injury. The more information one has, the easier it becomes to build a successful case.

“Individuals need to know whether to file in Magistrate Court, Circuit Court or another court within the state and when the suit must be filed, as statute of limitations do come into play in most cases. Furthermore, they must know who to hold liable and when a personal health insurance policy should be used to cover medical bills. These and numerous other topics are covered in the videos and articles offered, so be sure to check them out today,” Price declares.

About David R. Price, Jr., P.A.:

David R. Price, Jr. began practicing law in 2006 and was joined in 2015 by Sam Tooker. Mr. Price has secured a number of large settlements for clients, including one over $1,200,000, and fights aggressively to ensure his clients get the compensation they deserve. Mr. Tooker understands the other side of the law, having worked as a prosecutor in Pickens County for more than five years. Together, they ensure clients are treated fairly at all times.

MEDIA CONTACT

David. R. Price, Jr.
318 W Stone Ave, Greenville, SC 29609
864-271-2636
david@greenvillelegal.com

Source: http://finance.abc7chicago.com/abclocal.wls/news/read/24835365

This entry was posted on October 5, 2016, in Legal.

9 Lessons Learned: Policies

What Is Insurance Bad Faith?

Insurance bad faith, which also goes by the term, insurance fraud, refers to the mistreatment of consumers and businesses by their insurance carriers. It often applies to cases in which an insurance company does not want to pay out a settlement to an insured person or entity.

Insurance bad faith unfortunately occurs ever so often. Plenty of insurance companies depend on statistics when determining how much must be paid out, depending on the given circumstances. Even with the insured person being fully entitled to a certain amount, the insurer may not pay that money in full. Either the individual or entity accepts the insurer’s decision or brings the matter to court for bad faith.

Three of the most common scenarios involving insurance bad faith are:

> insurer denying all promised benefits to the insured;

> insurer offering less compensation than what the policy guarantees; and

> unreasonable delays in payment to insured party.

In every insurance contract, there is a “covenant of good faith and fair dealing,” which is either expressly stated or implied. That means the two parties – insurer and insured – are both obliged to follow what is in the contract.

In such a contract, the insurance company must fully compensate the insured party when appropriate and in a timely manner; otherwise, the insurer will have committed a violation of the good faith and fair dealing covenant. There are states that have statutes or other regulations that cover bad faith by insurance providers.

Companies exhibiting bad faith may be subject to government-imposed penalties, punitive damages and statutory damage. Because there are different bad faith-related laws in different states, it is important for anyone with these issues to consult with a lawyer.

The bad faith damages paid by insurance companies are different, depending on the jurisdiction. In general, the damages will be equivalent to the actual compensatory damages the insured would have rightfully obtained from the insurer in a non-bad faith setting. A lot of states also allow for punitive damages, or damages intended to punish the insurance company for bad conduct. In some states, there are limits to how much may be claimed in punitive damages; in others, there are none. With insurance fraud or bad faith being complicated and thus confusing, anyone who may want to court because of such experience must seek a lawyer’s help.

This kind of case is typically accepted on contingency basis by an attorney. That means the attorney will not be receiving payment directly from the client – not even from the award of damages he receives – but rather from the money that the court will order the insurer to pay the lawyer in a separate judgment.

If you think your insurer has acted in bad faith in relation to your policy claim, your first step is to see an insurance lawyer who can define the steps you must take.

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This entry was posted on October 1, 2016, in Legal.

Krause, Moorhead & Draisen, P.A. Announces Official Launch Of New Legal Website

FOR IMMEDIATE RELEASE

(Anderson, SC)—Krause, Moorhead & Draisen, P.A., a premier law firm in the Anderson, South Carolina area, is announcing the official launch of their new website. With this launch, the firm aims to better educate South Carolina citizens on what the law has to say about personal injury, car accidents, workers compensation and criminal defense. Pages on the site will feature in-depth articles and videos related to the process for filing workers compensation and give details about what steps a person should take if they are injured on the job, hurt in an auto accident, have a medical malpractice claim, or are facing criminal charges.

Steven M. Krause, one of the firm’s experienced attorneys, stated “Dealing with a personal injury issue can be overwhelming for a victim. While their injuries may be obvious, they still have to prove their case before they can receive compensation for those injuries. This can often be a very complex task, and placing a fair value on the case so that the victim won’t be tricked into taking a low settlement can make things even more confusing. It is our hope that our new website will help to alleviate much of that confusion.”

Krause goes on to say, “At our firm, we believe that educating the client about their rights as well as about the challenges they will face in each case is one of the best ways to help and support them. The website we are launching will not only provide and in-depth education on personal injury and criminal defense topics, but it will show them how having help from an experienced attorney can definitely increase their chances of getting the outcome that they desire in their case.”

“Whether it’s a criminal defense case or assisting someone who has been hurt on the job in getting the compensation they deserve, we want the people of South Carolina to know that we are here to help them. They can visit our website at kmdlawyers.com to learn more about the services we offer and to get information on the next steps they should be taking in the legal process in order to position themselves for success.”

About Krause, Moorhead & Draisen, P.A.:

The legal team at Krause, Moorhead & Draisen, P.A., is a personal injury and criminal defense firm devoted to providing clients with the utmost level of competence, concern and commitment. Their attorneys have more than 30 years’ experience representing victims of serious and catastrophic injuries throughout South Carolina. Handling many types of criminal defense and personal injury cases, they are able to offer specific legal advice and practical solutions for their clients’ unique legal issues.

Media Contact:

Steven M. Krause
Anderson, SC 29621
Telephone: (864) 225-4000
Email: SKrause@kmdlawyers.com
Website:

Source: http://studio-5.financialcontent.com/mng-lang.pasadena/news/read/31289475

This entry was posted on September 27, 2016, in Legal.

J. Robert Surface, Attorney At Law Announces New Disability Claims Website

FOR IMMEDIATE RELEASE

(Greenville, SC)—The U.S. Social Security Administration reports that between 2001 and 2010, the rate of denied disability claims averaged nearly 53 percent. This means that year after year, more than half of the disabled population has been denied the benefits they are entitled to that would help them take care of their basic needs.

It is with these people in mind that J. Robert Surface, Attorney At Law is announcing his new website. The purpose of the site is to educate Greenville citizens about social security disability claims. The website will feature information, articles, and videos related to the social security disability filing process and help people understand what steps to take in the case of a denial.

J. Robert Surface, a South Carolina native, stated “Many people assume that they’ll never have to deal with disability, yet statistics show that a 20-year-old has a 1 in 4 chance of being disabled by the age of 67. Unfortunately, many people don’t find out until that time how difficult it can be to get the social security disability benefits the government owes them. While it seems like the process of getting the money they’ve paid into the system for so long should be straightforward, that’s rarely the case. Not only is the claims process tedious and confusing, but many are denied the first time around.”

As Surface continues, “Our new website aims to help people better understand the claims process and figure out exactly what the Social Security Administration is looking for when they review an application. There are hundreds of technical rules within the disability system, and we want to help dispel some of the confusion surrounding them. We’ll also have a full section outlining Veterans disability claims that will help the men and women who have sacrificially served our country learn more about how to get their well-deserved benefits.”

“We understand how frustrating it can be for a person who has worked or served in the military during their lifetime to be denied the money they deserve and are entitled to. It is our hope that the information found on our new website will give them a sense of hope, encourage them to get help with the process, and help them develop a solid plan for moving forward.”

About J. Robert Surface, Attorney At Law:

J. Robert Surface is a Charleston, South Carolina native and a 1978 graduate of the University of South Carolina Law School. He has served the City of North Charleston as an Assistant City Attorney as well as served as a federal attorney with the ODAR branch of the Social Security Administration. Robert returned to the private sector in 2007 to represent clients with disabilities before the Social Security Administration and in 2009 was certified by the Department of Veterans to handle claims by veterans before the various VA Regional Offices. With his many years of experience in disability law, Robert is passionate about serving those in need.

Researched here: http://investor.buenosairesnews.net/newsnet.buenosairesnews/news/read/24835365

This entry was posted on September 18, 2016, in Legal.

De Bruin Law Firm Launches New Website Providing Education On Legal Topics

FOR IMMEDIATE RELEASE

(Greenville, SC)—Whether it’s a criminal trial or a civil litigation matter, having quality legal representation is key in any case. Not only will an attorney use their knowledge of the law to fight for their client’s rights, but they’ll also thoroughly educate their client on what they need to know about the legal process. Consequently, having help from an attorney can significantly increase a person’s chance of getting a favorable outcome.

It is with this in mind that De Bruin Law Firm is announcing the launch of their new website. The purpose of this new site is to educate South Carolina citizens about the laws surrounding estate planning, criminal defense, criminal domestic violence, drug defense, real estate and business matters. The site will have information, articles, and videos related to these types of cases as well as other areas.

Aaron De Bruin, one of the experienced attorneys at the helm of the firm, stated “Our mission is to take care of our clients in the best possible way. We realize that one of the most important things we can do for them is to educate them on how to handle the circumstances that pertain to their case. That is exactly what our new website aims to do. The information they will find there covers all areas of the law in which we practice, which includes a myriad of things from business to real estate to criminal law.”

As De Bruin continues, “We realize that the legal arena can quickly become overwhelming and confusing. We believe that this new website will help clarify some important information for our clients. We want to help them understand the legal options they have and encourage them to pursue what is rightfully theirs with the help of a qualified attorney. We’re bringing all of our knowledge and experience to the table for the sake of our clients in an effort to help them win.”

Whether we’re dealing with a domestic violence case or helping a family with an estate planning issue, we want to make sure we’re there for our clients every step of the way. The new De Bruin Law Firm website will be one way that we can continue to assist the people of Greenville around the clock.”

Visit debruinlawfirm.com to learn more about De Bruin Law Firm and see what their new website has to offer.

About De Bruin Law Firm:

The De Bruin Law Firm is a full-service law firm dedicated to serving its clients in a multitude of legal issues. The experienced De Bruin Law Firm team is dedicated to creating a firm that can offer a wide variety of legal insight to its clients. With Gary De Bruin’s twenty-plus years of experience in corporate law, employment law, business planning and business transactions, Aaron De Bruin’s litigation experience as a former prosecutor, and Bryan De Bruin’s experience in real estate and business transactions with a hands-on customer service approach to every real property and refinance closing he does, clients of the firm are provided with an extensive range of legal services in areas of Business Law, Estate Planning, and Criminal Defense.

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This entry was posted on September 18, 2016, in Legal.

DefenseDevices.com Reveals Deep New Discounts on Dozens of Self-Defense Products

FOR IMMEDIATE RELEASE

JACKSON, Tenn. — DefenseDevices.com, a leading online retailer of carefully selected self-defense products, announced a major new sale on dozens of items. Visitors to www.defensedevices.com will find many of the most company’s most popular products discounted by 75% or more, with even greater savings available to those who buy several of certain items. For more than fourteen years, DefenseDevices.com has sorted through the thousands of self-defense products available on the market to bring only the best to customers, making it one of the most reliable and highly regarded companies of its kind.

“We always work hard to bring the lowest possible prices to our customers while preserving the levels of product quality and service that have made us so successful,” DefenseDevices.com representative Harry Gatsch said, “Every so often, we decide to clear out certain brand-new, highly effective items to make room for others. With a whole new round of clearance discounts and special offers having just gone up in the sale section of our website, we think everyone interested in effective self defense is going to want to have a look.”

Even as crime rates have dropped, many more Americans than in the past take proactive stances about protecting themselves and their loved ones. In some cases, that can mean owning and training to use a firearm, but other means of self-defense are probably even more popular and common.

For over fourteen years, DefenseDevices.com has been a top source for those looking for self-defense products like pepper spray, collapsible batons, tactical flashlights, knives, TASERs, and other items. With an insistence on carrying only those items that have proved to be functional and effective for self defense, the operators of DefenseDevices.com have served over 170,000 customers, including many experienced members of federal and state law enforcement agencies and the military.

With over 1100 rigorously tested products to choose from, DefenseDevices.com customers enjoy easy access to the whole range of self-defense options, from a wide variety of less-than-lethal options to some that are intended to apply deadly force. Top name brands include Fox Labs, Defense Technology, ASP, Streetwise, and Southord. In addition to stocking such a wide selection of well vetted, top quality goods, DefenseDevices.com also maintains the highest levels of customer service, as by shipping 96% of orders placed before 1 p.m. Central Time the same business day.

With dozens of popular, highly effective items now on sale in a dedicated section at DefenseDevices.com, those interested in equipping themselves or their loved ones for self-defense have an especially affordable opportunity to do so. Visitors to the site will also enjoy the everyday low pricing on more than a thousand other DefenseDevices.com products that are in stock and ready to ship.

About DefenseDevices.com:
Carrying only the most effective and well-designed products and refusing all others, DefenseDevices.com is the leading online source for self-defense tools like pepper spray, stun guns, flashlights, knives, and more.

Reference: http://markets.financialcontent.com/

This entry was posted on September 17, 2016, in Legal.