Insurance Claims Jobs – Claims Adjusters Employment, Jobs and Careers #professional #negligence #claims


claims adjuster jobs

Find Claims Jobs Adjuster Employment

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#tagsInsurance,Claims,Jobs,-,Claims,Adjusters,Employment,,Jobs,and,Careers#tags

What is a Tort Claim? (with pictures) – mobile wiseGEEK #medical #claim


tort claim

wiseGEEK: What is a Tort Claim?

A tort claim is a legal claim made in response to being subjected to a wrongful act that did not involve a breach of contract. Torts can be classified into five categories: intentional torts, negligence. strict liability. product liability, and miscellaneous. When a person files a tort claim, he or she is filing a civil lawsuit against the person or other entity that committed the tort. To sue successfully, a plaintiff must prove that all of the elements of the tort were committed.

To have a claim for an intentional tort, the plaintiff must be able to prove three elements: intent, a volitional act, and causation. Intentional tort liability arises when a person or entity intends to bring about mental or physical harm to another person and that other person experiences mental or physical harm as a result of the accused’s actions. One example is false imprisonment, which results from the intentional confinement or restraint of a person to a contained space without justification.

A plaintiff has a tort claim of negligence if he or she can prove the elements of duty, breach, causation, and damages. A negligence claim arises when a person has not intended to cause harm, but his unreasonable act or his unreasonable failure to act causes injury to another person. The defendant might have had a duty to uphold the standard of care but will have breached that duty, causing injury to the plaintiff. To have a negligence claim, it is not enough for a person’s negligent act to have caused harm to another person. The other person must actually show damages that resulted from the negligent act.

In a strict liability tort, a person might be held liable for the plaintiff’s injury without having committed a wrongful act.

The plaintiff must assert the elements that the defendant had an absolute duty to make something safe and that the defendant breached that duty, resulting in injury to the plaintiff or to the plaintiff’s property. Strict liability claims can arise when a defendant has engaged in ultra-hazardous or abnormally dangerous activities, when a defendant’s animal has harmed the plaintiff, or when the defendant’s product has harmed the plaintiff. For example, if a company demolishes a building and a person suffers injury during the demolition, the company might be held strictly liable for that person’s injury.

Most plaintiffs bring product liability claims under a strict liability theory. Under this theory, the manufacturer and any commercial supplier of the product that caused the injury can be held strictly liable for the plaintiff’s injuries if that product was dangerously defective. For example, if a company made cotton swabs on a sharp wooden stick with the knowledge that consumers might use these swabs to clean their ears, the company might be held strictly liable for any consumers’ punctured eardrums.

Other tort claims might be based on nuisance, defamation, invasion of privacy, or fraudulent misrepresentation. Nuisance results from a wrongdoer’s interfering with the real property rights of another person without physically invading that person’s real property. For example, a plaintiff might have a nuisance claim against a factory that produces strong odors that waft onto the plaintiff’s real property, preventing the plaintiff from enjoying fresh air on his or her own property.

Related wiseGEEK articles


#tagsWhat,is,a,Tort,Claim?,(with,pictures),-,mobile,wiseGEEK#tags

Expired No Claims Bonus #how #to #file #small #claims #court


no claim bonus

Expired NCB Insurance

Insurance for Drivers with Expired No Claims Bonus

There are many ways your no claims bonus can lapse – perhaps you have been abroad, or driving company cars. Maybe you’ve been a named driver on a partner’s policy, or simply haven’t needed a car recently. Or perhaps you have been insured on a policy that does not attract bonus, such as a classic car policy.

Whatever your circumstances, you’ve probably discovered that the vast majority of insurance companies do not recognise NCB entitlement that is over two years old, whatever the reason.

Frustration is probably the mildest word to describe how you feel. Fortunately, Adrian Flux have over 40 years experience of arranging specialist insurance policies to suit any situation, and we are not restricted by computer rates or systems. We can accept out-of-date no claims bonus entitlement in many instances, but we can also accept valid overseas and international bonus and offer discounts for company car drivers or similar driving experience. All this, coupled with great service, and surprisingly low rates means that we can help with your insurance problems.

  • Limited mileage policies.
  • Agreed value available on classic, cherished and modified cars.
  • Foreign No Claims Discounts offered for all countries, including:
    • American No Claims
    • French No Claim Bonus (malus / bonus)
    • German No Claims Discount (Schadenfreiheitsrabatt)
    • Spanish NCB (prima de no reclamaci�n)
    • Japanese NCD
  • Introductory and mirrored bonus schemes for relevant driving experience, such as company car drivers.
  • Members of owners clubs and forums benefit from discounts of up to 15%.

Insurance with out of date bonus

If you have built up years of no claims bonus, only to see it written off as ‘out-of-date,’ you really should give us a call. Saving yourself lots of stress, time and aggravation from mainstream insurers is as simple as talking to one of our specialist advisors, who can talk you through your options. So whatever the reason for your bonus being expired, we can offer you an appropriate policy taking into account your claim-free driving experience without any drama.

Our staff are all seasoned insurance experts and will calculate your premium individually, using their expert knowledge of the many specialist insurance schemes on offer.

Quicker Cheaper rates by phone, please complete the call me form during office hours 9am to 7pm Monday to Friday 9am to 4pm Saturday for an immediate insurance quote.

We’ll call you at a time convenient to you


#tagsExpired,No,Claims,Bonus#tags

What Is Tort Law? Definition and Examples – Video & Lesson Transcript #quit #claim #deed


tort claim

What Is Tort Law? – Definition and Examples

A tort is simply a civil wrong. There are three general types of torts that may cause injury to another person. In civil law, torts are grounds for lawsuits to compensate a grieving party for any damages or injuries suffered.

Tort Law: Three Types of Torts

Torts are wrongdoings that are done by one party against another. As a result of the wrongdoing, the injured person may take civil action against the other party. To simplify this, let’s say while walking down the aisle of a grocery store, you slip on a banana that had fallen from a shelf. You become the plaintiff. or injured party, and the grocery store is considered the tortfeasor or defendant. the negligent party.

Simply said, you would probably take civil action against the grocery store to recoup compensation for pain, suffering, medical bills and expenses incurred as a result of the fall. Negligence is just one tort category. There are three general categories of torts. Regardless of the tort action, three elements must be present:

  • Tortfeasor, or defendant, had a duty to act or behave in a certain way.
  • Plaintiff must prove that the behavior demonstrated by the tortfeasor did not conform to the duty owed to the plaintiff.
  • The plaintiff suffered an injury or loss as a result.

Because torts are a civil action involving private parties, punishment does not include a fine or incarceration. The punishment for tortious acts usually involves restoring the injured party monetarily. Sometimes a court order may force the tortfeasor to either do or not do something. Think trespassing, defamation or slander. Let’s explore the three types of torts:

Intentional Torts

An intentional tort is an act that is intentionally committed against another person with the aim of causing harm. There are several intentional torts that fall into this category, like assault, battery, conversion, fraud, false imprisonment, trespassing and invasion of privacy. Not every injury-producing action is cause for an intentional tort lawsuit. The court will look at the conduct of the defendant to determine whether the actions were, in fact, intentional or just mere willful and wanton behavior not specifically meant to cause fear or injury, but is considered reckless.

Betty Geeslin, a personal representative of Bill Geeslin in Bill Geeslin v. Kobe Bryant. is one of those cases. Back in November of 2005, Geeslin and a friend attended a Lakers/Grizzlies game. The fans held courtside seats for the event. At some point during the game, famous basketball player Bryant ran to retrieve an out-of-bounds ball. As he reached for the ball, he lost his footing and fell atop Geeslin, leaving him with injury to his chest and lungs. After several days, Geeslin, now home, began experiencing uncomfortable pain in his chest severe enough to visit an emergency room. Once examined, it was diagnosed that he suffered a bruising and a crushed lung. He was prescribed several pain medications and a breathing machine and sent home.

After a few weeks of home treatment, Geeslin decided to sue Bryant for assault, battery and infliction of emotional distress. Geeslin claimed that when Kobe attempted to remove himself from Geeslin’s chest, he used extreme force to push away, causing injury. Geeslin also claimed that he could no longer sleep at night, suffered anxiety and felt embarrassed by the incident in general.

When the court analyzed the case, it felt that the elements for tortious behavior were not present. Specifically, Geeslin assumed the risk of injury by choosing courtside seats. Bryant in no way intended to cause injury to Geeslin at the time of the initial fall or as he attempted to return to the court, and a reasonable person would not conclude that the incident was so seriously traumatic that Geeslin suffered emotional distress to the degree he claimed. In a motion for defendant’s summary judgment, the court ruled in favor of Bryant.

On a side note, Geeslin died prior to final judgment and a personal representative maintained the claim against Bryant until time of final judgment. However, Bryant settled with the estate out of court for the sum of $75,000 to put a rest to any further appeals or complaints against him. Our next torts deal with actions that cause injury that do not have intentional characteristics.

Negligence Torts

Negligence occurs when a party fails to demonstrate the kind of care a prudent person would take in the same situation and an injury results from the action or inaction. There are five elements necessary to prove a negligence case:

  • Defendant owed a duty of reasonable care.
  • Defendant did not behave in a reasonable manner to demonstrate care.
  • Plaintiff suffered an injury as a result of the defendant’s actions or inactions.
  • The injury caused actual damages.
  • Proximate cause: defendant’s actions or inactions were the cause of injury.

While these elements seem repetitive, they are necessary for a negligence case. Let’s see what happens in a comical case involving negligence.

In Byrne v. Boadle (1863), Byrne was walking down the street when a barrel full of flour fell out of a window and landed upon him, causing the plaintiff injury. In this case, the flour shop owed anyone walking on the sidewalk below the window a duty of care. In other words, a flour barrel should not be in a window where it could fall. The defendant should have used reasonable care that the flour barrels are stored in an area of the shop where injury to a passer-by could not possibly happen. Byrne was injured because of the flour shop’s negligence in storing flour barrels appropriately, leaving the flour shop solely responsible for this injury. Needless to say, this was a prima facie case because the evidence was strong enough on face value to convince a court to rule in favor of the plaintiff.

Strict Liability Torts

Cases involving strict liability are similar to negligence. In these instances, the defendant may be responsible for damages even if the defendant was not negligent. This may seem counter-intuitive, but it makes sense. Let’s take the dog bite law as an example.

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#tagsWhat,Is,Tort,Law?,Definition,and,Examples,-,Video,&,Lesson,Transcript#tags

Settle Your Personal Injury Claim #unemployment #file #claim


personal injury claim

Settle Your Personal Injury Claim

Most people think of lawsuits when they think about personal injury claims. The reality is, the great majority (probably better than 90%) of injury claims are settled out of court. It’s faster, easier, less expensive, and less risky for both sides. In this section, we’ve put together all the legal information and practical advice we’ve published on the settlement negotiation process.

Start with an introductory article on the main legal and financial considerations.

Understand the basics of personal injury settlements.

An overview of the basic strategy for negotiating a good settlement of a personal injury claim.

If you have been injured in an accident, you’ll probably wind up settling your claim. Here are key questions and quick answers.

Most personal injury lawsuits settle out of court, and for good reason. Settlement is faster, less expensive, and less risky.

Injured plaintiffs often want to know if there is an average settlement so they can determine the value of their own case. Unfortunately, it’s not that simple.

Just Getting Started

If you’re in the initial phases of your claim, these settlement tips will come in handy.

These tips can help you devise your strategy for negotiating a good personal injury settlement after an accident.

Make sure you temper your settlement expectations with an honest assessment of your case, the defendant, and the losses you’ve suffered.

Coming up with a reasonably accurate initial demand is an important step towards a favorable outcome in a personal injury case.

Strategies after you’ve received an initial response to your injury claim.

Tips on how to proceed when you receive an unreasonably low personal injury settlement offer.

Setting Up Your Demand

Getting the right number in mind – and the documentation to back it up – is key to a successful settlement.

After a car accident, slip and fall injury, or other accident, you want to resolve your case quickly and fairly, but how do you know what’s fair?

Both the nature and duration of the medical treatment you receive will play a large role in how the insurance company values your claim.

When it comes to making an injury claim, the more you document your injuries, the better.

During settlement negotiations, both sides will try to guess at how a jury would decide your case.

Pain and suffering is often the most significant point of contention. Make sure you’ve got some reasoning to back up your demand.

Dealing With an Insurer

You’ll probably be negotiating your settlement with an insurance company.

Learn how to get a sense of the potential dollar value of your insurance claim.

If you’re making a personal injury claim with an insurance company, it helps to understand how the adjuster arrives at a settlement offer before you choose to accept or reject it.

Settlement negotiations might be a little different when you’re dealing with your own insurance carrier.

When to engage an attorney.

You can save on legal fees by negotiating your own car accident or personal injury claim settlement. Here are the steps involved.

Once a lawyer gets involved, the settlement process may get a little more complicated. He or she uses a lot of legal tools – and experience – to negotiate the best possible deal.

You don’t need a personal injury lawyer to write a demand letter, but if there’s a lot of money at stake, you may benefit from professional help.

Preparing and Submitting a Demand Letter

Settlement negotiations begin in earnest by drafting and submitting a demand letter.

The purpose of the demand letter in a personal injury claim is to get settlement negotiations started. Here are some tips on writing one.

A well drafted demand letter can help you settle your injury case without the expense and time involved in litigating an injury lawsuit in civil court.

Find demand letters for a variety of injury cases. Start your own letter with an example, complete with information on the critical legal and financial issues.

Before you put pen to paper, make sure you understand the important elements — medical expenses, property damage, fault — of your injury claim.

Your damages play a large role in determining the value of your personal injury settlement, so be sure to clearly detail all your injuries and losses in your demand letter.

How you craft your version of events can help or hurt your position during injury settlement negotiations.

The personal injury settlement process starts with your demand letter. How much you ask for sets the tone for negotiations.

Steps in the Settlement Negotiation Process

Information on the back and forth that leads to a settlement.

An overview of the personal injury case settlement process to learn what to expect.

You want to settle you personal injury case quickly, but you don’t want to get “shorted” on money. Here are some things to be aware of before you accept a quick settlement.

There are several ways the insurance company can respond to your demand letter, including not at all.

There is no law that requires the insurance company to respond to your injury demand letter, but most will as a matter of good business practice.

When you’re told or promised anything important in the course of your injury claim, use a confirming letter to make a paper trail.

Legal Problems & Roadblocks

There are a few issues that can stop settlement dead in it’s tracks, even when you have a good case.

A look at your options if the personal injury settlement process hits the proverbial wall.

What to do when your insurer fails to live up to its legal obligation to act in good faith.

If there is no insurance policy against which to make your injury claim and the defendant doesn’t have deep pockets, the value of your case is effectively zero.

Once a Settlement Has Been Reached

A few notes on issues that come up after settlement.

Once you’ve accepted a settlement offer or won your personal injury trial, it’s time to collect your money. Here’s what to expect.

A lump sum payment is generally preferable to a structured settlement in an injury case, but there are some exceptions.

In any personal injury case, medical providers, insurance companies, and other third parties may claim some of your settlement money with a lien. Here’s how they work.

Does your injury settlement count as income for IRS tax purposes? Most do not, but there are exceptions.


#tagsSettle,Your,Personal,Injury,Claim#tags

What is a no-claim bonus for a motor insurance policy? #dictionary #thesaurus #free


no claim bonus

What is a no-claim bonus for a motor insurance policy?

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It can be availed under the comprehensive motor insurance policy. The policy covers loss or damage to the vehicle insured and third-party liability.

What are the conditions applied?
The no-claim bonus, however, is applicable only to the own damage part of the premium, which is 80 per cent of the policy premium. Third-party damage premiums make up the remaining 20 per cent.

Once insurance claim is made, your no-claim bonus benefit is back to zero. The next premium will be higher, since it will not include the amount of no-claim benefit you enjoyed earlier.

However, some insurers now offer an add-on cover, which protects the policyholder s no-claim bonus. For instance, a policyholder having taken an add-on cover would retain his 20 per cent no-claim bonus, despite having made an insurance claim in the same year.

How can you save?
The discounts on car or two-wheeler insurance starts at 20 per cent in the second year, and goes up to 50 per cent in the sixth year. This means, a saving of a minimum Rs 2,400 (at 20 per cent) to a maximum of Rs 6,000 (at 50 per cent) on a premium of Rs 12,000 for a car insurance policy. The no-claim bonus rate is the same across all insurers.

In case your vehicle gets damaged, get an estimate for the repairs. If the no-claim bonus amount you stand to forfeit in the forthcoming years exceeds the estimated amount you spend on repairing the vehicle, it makes sense not a raise a claim and pay for the damage yourself.

Why opt for it?
Besides discounts in premiums, you can save on the first premium of a new vehicle, subject to certain conditions. Since the no-claims feature is linked to the insured and not the vehicle, you can not only transfer your no-claim bonus from insurer to insurer, but also to a new vehicle of the same type. For instance, you can transfer a no-claim bonus of an old two-wheeler to a new two-wheeler only, and not a four-wheeler.

However, the policyholder needs to have sold his old vehicle for a new one and also have accumulated a no-claim bonus.

http://bsmedia.business-standard.com/_media/bs/wap/images/bs_logo_amp.png 177 22

What is a no-claim bonus for a motor insurance policy?

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It can be availed under the comprehensive motor insurance policy. The policy covers loss or damage to the vehicle insured and third-party liability.

What are the conditions applied?
The no-claim bonus, however, is applicable only to the own damage part of the premium, which is 80 per cent of the policy premium. Third-party damage premiums make up the remaining 20 per cent.

Once insurance claim is made, your no-claim bonus benefit is back to zero. The next premium will be higher, since it will not include the amount of no-claim benefit you enjoyed earlier.

However, some insurers now offer an add-on cover, which protects the policyholder s no-claim bonus. For instance, a policyholder having taken an add-on cover would retain his 20 per cent no-claim bonus, despite having made an insurance claim in the same year.

How can you save?
The discounts on car or two-wheeler insurance starts at 20 per cent in the second year, and goes up to 50 per cent in the sixth year. This means, a saving of a minimum Rs 2,400 (at 20 per cent) to a maximum of Rs 6,000 (at 50 per cent) on a premium of Rs 12,000 for a car insurance policy. The no-claim bonus rate is the same across all insurers.

In case your vehicle gets damaged, get an estimate for the repairs. If the no-claim bonus amount you stand to forfeit in the forthcoming years exceeds the estimated amount you spend on repairing the vehicle, it makes sense not a raise a claim and pay for the damage yourself.

Why opt for it?
Besides discounts in premiums, you can save on the first premium of a new vehicle, subject to certain conditions. Since the no-claims feature is linked to the insured and not the vehicle, you can not only transfer your no-claim bonus from insurer to insurer, but also to a new vehicle of the same type. For instance, you can transfer a no-claim bonus of an old two-wheeler to a new two-wheeler only, and not a four-wheeler.

However, the policyholder needs to have sold his old vehicle for a new one and also have accumulated a no-claim bonus.

What is a no-claim bonus for a motor insurance policy?

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It can be availed under the comprehensive motor insurance policy. The policy covers loss or damage to the vehicle insured and third-party liability.

What are the conditions applied?
The no-claim bonus, however, is applicable only to the own damage part of the premium, which is 80 per cent of the policy premium. Third-party damage premiums make up the remaining 20 per cent.

Once insurance claim is made, your no-claim bonus benefit is back to zero. The next premium will be higher, since it will not include the amount of no-claim benefit you enjoyed earlier.

However, some insurers now offer an add-on cover, which protects the policyholder s no-claim bonus. For instance, a policyholder having taken an add-on cover would retain his 20 per cent no-claim bonus, despite having made an insurance claim in the same year.

How can you save?
The discounts on car or two-wheeler insurance starts at 20 per cent in the second year, and goes up to 50 per cent in the sixth year. This means, a saving of a minimum Rs 2,400 (at 20 per cent) to a maximum of Rs 6,000 (at 50 per cent) on a premium of Rs 12,000 for a car insurance policy. The no-claim bonus rate is the same across all insurers.

In case your vehicle gets damaged, get an estimate for the repairs. If the no-claim bonus amount you stand to forfeit in the forthcoming years exceeds the estimated amount you spend on repairing the vehicle, it makes sense not a raise a claim and pay for the damage yourself.

Why opt for it?
Besides discounts in premiums, you can save on the first premium of a new vehicle, subject to certain conditions. Since the no-claims feature is linked to the insured and not the vehicle, you can not only transfer your no-claim bonus from insurer to insurer, but also to a new vehicle of the same type. For instance, you can transfer a no-claim bonus of an old two-wheeler to a new two-wheeler only, and not a four-wheeler.

However, the policyholder needs to have sold his old vehicle for a new one and also have accumulated a no-claim bonus.

http://bsmedia.business-standard.com/_media/bs/wap/images/bs_logo_amp.png 177 22


#tagsWhat,is,a,no-claim,bonus,for,a,motor,insurance,policy?#tags

Ontario Small Claims Court – Spectrum Paralegal #claim #cash


ontario small claims court

When an Ontario Small Claims Court is Right for You

In Ontario, the Small Claims Court is a division of the Superior Court of Justice. It handles disputes about money or return of property for sums of $25,000 or less, and cannot issue injunctions (orders for people to do or not do something). If your claim is somewhat over $25,000, you can forego the excess amount so you still say within the limit of the Small Claims Court. This can make sense for several reasons:

  • Small claims court procedures are also simpler, court fees are lower. and the process is faster.
  • A paralegal can represent you in your small claim. Typically, paralegals charge flat fees that are lower than lawyers’, which will help reduce legal expenses.

Please do not hesitate to contact us for a free telephone or e-mail case assessment and fee quote.

Common Types of Small Claims

In almost 10 years of practice, we have handled a number of small claims situations, both for plaintiffs and defendants, for corporations and individuals alike. Whether you are a plaintiff or defendant, click below to learn more about a particular type of small claim:

The Small Claims Court Process

There are three stages to the Small Claims Court process.

  1. Preparation of pleadings. Depending on whether you are the plaintiff (the person suing) or the defendant (the person being sued), this would mean preparation of the claim or the defence, respectively. The pleadings are then filed with the small claims court, together with payment of the appropriate court fee. If the pleading is a small claim, it must also be served on the defendant.
  2. Settlement conference. This is a mandatory, relatively informal meeting between the parties in the presence of a small claims court judge attempting to reach a settlement of the small claim without a trial.
  3. Trial. This is when the judge will hear witnesses, review evidence, and issue a final judgment.

There may be other steps that have to be taken in the context of this procedure.

Learn more about these on our blog by clicking the links above.

Our Small Claims Paralegal Services

Our Toronto paralegal firm is able to handle any type of small claims matter. Our small claims paralegal services can be retained stage by stage – you can hire us for a certain step of the procedure, and handle the rest yourself.

As always, we promise that in every small claims matter, our paralegal services will be of the highest quality, and will always be provided in a transparent matter: we stay in touch so you will always know and understand exactly what is happening and why.

Additional Resources

  • Download our FREE eBook: Spectrum’s Guide to Small Claims Court
  • Browse our blog on the topic of small claims court
  • See our clients’ testimonials about our small claims paralegal services
  • Browse our small claims court FAQs
  • Check out the precedents set by our founder

I really appreciated your attention to details, your level of preparation which was impressive, and enthusiasm. I am really happy we have Spectrum Paralegal in our corner. Thank you for being the champion of our small claims court!

Our Services:

Contact us today!

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#tagsOntario,Small,Claims,Court,–,Spectrum,Paralegal#tags

Federal Tort Claims Act #leeds #hospital #fund #claim #form


tort claim

Federal Tort Claims Act

This memorandum is intended to familiarize Members, Officers and employees of the House generally with the Federal Tort Claims Act (“FTCA”) and the protections it provides. This memorandum is not intended, however, to answer all questions or issues that may arise. Therefore, we encourage you to contact the Office of General Counsel (“OGC”) immediately with any additional questions on this topic. OGC can only provide assistance to Members, Officers, and employees of the House. Persons who are employed by other federal government entities should call their entity or agency for assistance.

Under the FTCA, the federal government acts as a self-insurer, and recognizes liability for the negligent or wrongful acts or omissions of its employees acting within the scope of their official duties. The United States is liable to the same extent an individual would be in like circumstances. The statute substitutes the United States as the defendant in such a suit and the United States—not the individual employee—bears any resulting liability.

A. Making a Claim Under the FTCA

Individuals who are injured or whose property is damaged by the wrongful or negligent act of a federal employee acting in the scope of his or her official duties may file a claim with the government for reimbursement for that injury or damage. To state a valid claim, the claimant must demonstrate that (1) personal injury or property damage was by a federal government employee; (2) the employee was acting within the scope of his official duties; (3) the employee was acting negligently or wrongfully; and (4) the negligent or wrongful act proximately caused the injury or damage. The claimant must also provide documentation establishing that his claim satisfies all the elements of the FTCA.

A person wishing to make a claim for reimbursement under the FTCA for damage or injury caused by a House employee must first file an administrative claim with the House. OGC will provide a potential claimant with a claim form and inform him as to the required documentation. Please notify OGC immediately if an event occurs which you believe may give rise to an FTCA claim.

B. The FTCA in Lieu of a Certificate of Insurance

Members may be asked to provide a certificate of insurance for the purpose of entering into a district office lease or for securing space in which to conduct a town hall meeting or other official event. The House does not carry a private insurance policy and generally does not permit Members to use the MRA to pay for a private insurance policy for these types of meetings or events. OGC can provide a letter explaining the protections of the FTCA, and asking that the letter be accepted in lieu of a certificate of insurance.

Office Lease Forms

Vehicle Lease Forms

Storage Lease Forms

Note: All forms and letters are in Portable Document Format (PDF). Download a free PDF Reader.

From the General Counsel


#tagsFederal,Tort,Claims,Act#tags

Have I Got PPI #no #claims #bonus #for #named #drivers


ppi claims

PPI Claims

If You Still Haven’t Claimed Back Your Money From Mis-sold PPI…

It’s difficult to put into words the magnitude of the PPI scandal. You’ve probably read the statistics:

“Around 45 million PPI policies were sold between 1990 and 2010. Premiums for those policies were worth around £44 billion to the banks.”

For most of us, talking about ‘billions of pounds’ is similar to talking about stars being light years away: it’s quite difficult to grasp.

So let’s bring some perspective to it.

  • The £44 billion that the banks earned in premiums from PPI sales is the equivalent to you and every other man, woman and child in the UK handing over around £687 each .
  • Onebillion seconds ago it was around 1972 .
  • Onebillionminutes ago was around A.D. 114 .
  • One billion hours ago was around the time our ancestors were living in the Stone Age .

Reading that brings the ‘billions of pounds profit’ for the banks into sharper focus, does it not? Remember, too, that those figures above are for one billion. The banks raked in more than £44 billion from PPI.

Multiply those figures above by 44 and the mind really begins to boggle at the full extent of the PPI scandal. It’s a little easier now to see why the banks continued (mis-)selling the product when so often it was against the best interests of their customers (you, perhaps).

It was a good money spinner for them. This is why you keep seeing PPI claims stories in the news. It’s most likely why you’re here now.

Maybe you re one of thousands of people asking, Have I got PPI?

If you do have payment protection insurance on any of your finance agreements, you probably want to know if it was mis-sold or not. If it was, you’ll want to get your money back.

Below are some key points for you to consider before starting your PPI claims.

The PPI Deadline

There isn’t a PPI deadline yet . But the arrival of a cut off date is looking more and more likely with each week that passes. Martin Lewis of MoneySavingExpert.com has argued against a PPI claims deadline, as many others in the arena have.

The main banks, on the other hand, have pushed for a deadline to be implemented on more than one occasion now. That’s not surprising when you consider that the total amount they’ve paid out so far in PPI refunds is in excess of £25 billion. And the claims keep on rolling in.

George Osborne, the Chancellor, is also keen for a line to be drawn under the whole PPI saga. He recently ousted Financial Conduct Authority (FCA) chief Martin Wheatley, which was the first step in opening the door to a change of policy at the financial regulator.

So if you’ve been putting off your PPI claim up till now, the potential for a claims deadline is a very good reason to get started sooner rather than later. You don’t want to be duped twice on the same money.

Do I Have To Use A Claims Company To Claim PPI?

Depending on where you go for advice on the best way to claim PPI, you may have been actively encouraged not to use a claims company. The advice is often something like, “It’s easy to claim by yourself.”

Of course, ‘easy’ is a relative term. While claiming PPI can be relatively simple in some cases, quite often it isn’t. You only need to recall the BBC article in August 2014 — which reported that 2.5 million claims were to be re-opened — to realise that PPI claims are often anything but simple for people claiming by themselves.

The reason those claims were to be re-opened was because their outcomes were questionable. The story went on to explain how the FCA said that firms were to re-examine some 2.5 million PPI complaints amid claims of underpayment and, far worse, outright rejection of legitimate claims .

It was estimated that the total amount underpaid was £1 billion (there’s that figure again). It’s fair to assume that of those 2.5 million claims, most — if not all — of the victims took their banks’ findings at face value. If they had suspected they were being duped again, they surely would have taken the next step of going to the Financial Ombudsman Service (FOS) for an independent review.

While we can’t categorically state whether those 2.5 million underpayments and rejections would have happened had these people been our clients, we believe it’s unlikely. When you do a job day in and day out, you become good at spotting things that are amiss.

Receiving rejection letters for legitimate claims or a lower-than-expected refund offers usually stands out like the proverbial sore thumb to us. We then challenge it and usually get the appropriate outcome and correct refund for our clients.

How To Claim PPI Without Account Numbers

Not having account numbers is fairly common when it comes to PPI claims. If the policy has already run its course, you will have most likely discarded the paperwork. It is still possible to claim on those policies, though.

If you are claiming by yourself, it will involve a reasonable amount of work, but it s possible. You’ll need to run a credit check on yourself to begin with. There are many services available to do this. We recommend either Noddle.co.uk or CreditExpert.co.uk.

Simply sign up, go through the process of generating your report and then download it. It’s best to print the report out, but not essential. Go through the report and look for the finance agreements that had PPI attached. For policies that had PPI, note who the provider was. Then contact the provider and ask for copies of your paperwork.

If That Seems Like Too Much Work

There is a simpler way to claim PPI without account numbers or paperwork. We have negotiated special agreements with a significant number of banks and lenders (currently more than 50 lenders, with more being added each month). These agreements allow us to get claims started even without account numbers.

All you need to provide is your name and the address you were living at when you took the finance out.

Your bank or lender will then use that information to check their entire database for any history you have with them. In many cases (but not all), they will also check with their sister companies.

There isn’t one, except that this agreement is not available to individuals claiming PPI by themselves. It’s an agreement negotiated between us and the banks to help speed the claims process up. Since its implementation, it has helped to do just that.

A No Obligation Chat

If you’ve been procrastinating on starting your PPI claims, you would likely benefit from having a chat with us. You don’t have to use a claims company to claim back your money from mis-sold PPI. For many people, though, it’s the difference between getting their money back, or not.

To chat further, just pop your details into the short form above and we will call you back. You are not under any obligation to pursue your claim further should you decide not to.

If you prefer to call us, you can do so for free on 0800 840 7290 .


#tagsHave,I,Got,PPI#tags

Unemployment Benefits Contact Information for Claimants #claim #your #cash.org


unemployment claim number

Unemployment Benefits Contact Information for Claimants

Online Services Information

Internet service is generally faster than calling an unemployment benefits Tele-Center.

  • Unemployment Benefits Services at ui.texasworkforce.org.
    • Estimate potential benefits
    • Apply for benefits
    • View Electronic Correspondence
    • Request payment
    • Check claim status and payment history
    • Request Your Waiting Week
    • View Appeal Status
    • Update your mailing address
    • View IRS 1099-G information
    • Change payment options
    • Download a work search log
  • WorkInTexas.com – Register for job search assistance and use TWC ‘s online job resource.
  • Unemployment Benefits Information – Find information about applying for unemployment benefits and answers to frequently asked questions.
  • Get information on how to appeal an unemployment benefits decision for claimants and employers .

Debit Card Direct Deposit Information

  • Debit Card FAQ – Find answers to questions about the TWC UI debit card.
  • U.S. Bank – Get account information about your UI debit card at www.usbankreliacard.com or call 800-657-6343.
  • Direct Deposit FAQ – Find out how direct deposit works and how to set up direct deposit for your benefits.

Tele-Center Phone Number Hours

To speak with a customer service representative, call an unemployment benefits Tele-Center. Business hours are Monday – Friday, 8:00 a.m. to 6:00 p.m. Central Time.

Tele-Serv Phone Number Hours

To request payment for weeks of unemployment, get payment information or the status of your claim, get general information about unemployment benefits, and establish or change your PIN. call Tele-Serv, TWC ‘s automated telephone system. Claim status and payment request options are available daily, 7:00 a.m. to 6:00 p.m. Central Time. General information is available anytime.

Benefit Overpayment Collections Unit

To request information on how to repay the unemployment benefits you were not eligible to receive, contact the Benefit Overpayment Collections Unit Monday through Friday, 8:00 a.m. to 5:00 p.m. Central Time.


#tagsUnemployment,Benefits,Contact,Information,for,Claimants#tags