Personal injury claims for workplace accidents: What to do if you suffer injury or illness at work – Mirror Online, accidents claims.#Accidents #claims


Workplace accidents: Know your rights to make sure you’re safe on the job

With more than a million people suffering from work-related illnesses or injuries last year, it’s important to know your rights

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  • 12:18, 9 SEP 2013
  • Updated 14:58, 7 DEC 2015
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While you are at work, your employer has a legal duty to protect you and tell you about health and safety issues that affect you.

They also have a legal responsibility to report certain accidents and incidents, pay you sick pay and give you time off because of an accident at work should you need it.

The most recent HSE figures, for the period covering 2011/12, showed:

  • 1.1 million working people suffering from a work-related illness
  • 172 workers killed at work
  • 111 000 other injuries to employees were reported under RIDDOR
  • 212 000 over-3-day absence injuries occurred (LFS)
  • 27 million working days were lost due to work-related illness and workplace injury
  • Workplace injuries and ill health (excluding cancer) cost society an estimated 13.4 billion in 2010/11

Reporting an accident at work

Any injury at work, including minor injuries, should be recorded in your employer’s ‘accident book’.

All employers (except for very small companies) must keep an accident book.

An accident book is mainly for the benefit of employees, as it provides a useful record of what happened in case you need time off work or need to claim compensation later on, but recording accidents also helps your employer see what’s going wrong and take action to stop accidents in future.

Under the Reporting of Injuries, Diseases and Dangerous Occurences Regulations (known as RIDDOR), your employer has a duty to report work-related accidents, diseases and dangerous incidents to Health and Safety department at your local authority.

These include deaths, major injuries (for example a broken bones), dangerous incidents (like a scaffolding collapse), people overcome by gas and any other injury that stops an employee from doing their normal work for more than three days.

Although the reporting must be done by your employer, if you were involved in an incident, it’s a good idea to make sure that it has been reported correctly.

Who is responsible?

As well as reporting work-related accidents and illnesses, your employer also has an obligation to to carry out a risk assessment and do what’s needed to take care of the health and safety of employees and visitors.

This includes deciding how many first aiders are needed and what kind of first aid equipment and facilities should be provided.

First aiders have no statutory right to extra pay, but some employers do offer this. Employees must also take reasonable care over their own health and safety.

Sick pay

In most cases, if you need time off because of an accident at work, you’ll only have the right to Statutory Sick Pay. Your employer may have a scheme for paying more for time off caused by accidents, or may decide to pay extra depending on what has happened.

Compensation

If you’ve been injured in an accident at work and you think your employer is at fault, you may want to make a personal injury claim . Any claim must be made within three years of the date of the accident and you’ll normally need a lawyer to represent you. If you belong to a trade union, you may be able to use their legal services. Otherwise, you should speak to a specialist personal injury lawyer.

Some lawyers will take your case on a ‘no win no fee’ basis. By law, your employer must be insured to cover a successful claim and should place a certificate with the name of their employer’s insurance company where it can be seen at work. If not, they must give you the details if you need them.

What to do if you have an accident at work?

  • make sure you record any injury in the ‘accident book’
  • if need be, make sure your employer has reported it to the Health and Safety Executive
  • check your contract or written statement of employment for information about sick or accident pay
  • if there’s a dispute, try to sort it out with your employer

Can you make a claim?

Finding out if you could make a claim is simple, just take the 30 second test below or visit the



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  • Car Insurance Claims: Dos and Don ts, accidents claims.#Accidents #claims


    Car Insurance Claims: Dos and Don’ts

    If you’re involved in a car accident, it’s important you maintain appropriate communication with your insurance company. The following are some do’s and don’ts to remember throughout the insurance claims process.

    Prepare yourself in advance by printing this helpful pamphlet on first steps after an auto accident, and storing it in your glove compartment. It has itemized steps you can check off, as well as an area where you can clearly fill out information vital to your insurance claim.

    DO call your agent as soon as an accident or injury takes place. As soon as you get home from the car accident, or even before you go to the doctor, call your agent.

    DO review and understand your coverage before talking to your insurer or your agent. Read the Coverage and Exclusion sections of you policy in particular.

    DO take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with, including their supervisor’s name.

    DO consider whether you might have insurance coverage under some other insurance policy as well. Many people have more than one policy that might cover a claim. In particular, look at homeowner policies, umbrella policies, and materials that came with your credit cards.

    DO take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries.

    DO be honest and forthcoming with your insurer. Even if it is embarrassing, it is better if your insurer knows all the facts. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage.

    DO understand the difference between replacement coverage and depreciated or actual cash value. If your policy provides replacement coverage, don’t settle a personal property loss for actual cash value. You may be required to replace the lost items before getting your full reimbursement if you have replacement cost coverage.

    DO keep all receipts of meals, lodging, and purchases made in connection with time spent pursuing your claim or recovering from your injuries from the time of the covered event until final settlement with your insurance company.

    DON’T give any recorded or written statements to your insurer until you are sure you understand your coverage. Remember you aren’t required to allow the insurance company to record your telephone conversation. If you have doubts, do consult an attorney.

    DON’T automatically accept the estimate or appraisal of your losses given to you by the insurer. Insurance companies will often try to get you to accept their estimator’s or contractor’s repair or replacement estimates, which might be a bit low.

    DON’T sign any releases or waivers of any kind until you obtain legal advice. A bad financial situation after a major loss may make it seem necessary for you to accept a premature, inadequate settlement from your insurer. But you may remember destroyed items after you have signed a release as to payment for your personal property inventory or other claims. For these reasons, it is advisable to consult an attorney before signing a release or waiver. Be sure to read the fine print on any payment from the insurance company.

    DON’T accept any check that says final payment unless you are ready to do so.

    DON’T ignore time limits set by your policy. Most policies require a signed proof of loss within a certain time limit. Be sure you comply with this requirement unless you obtain a written waiver from your insurance company. Many policies allow you only one year from the date of loss in which to bring a legal action if your claim has not been adjusted fairly. If your claim hasn’t been settled to your satisfaction 11 months after your loss, consult an attorney immediately. A failure to do so could result in the loss of your right to sue.

    DON’T forget that you have a contract with your insurer. Your insurer has a legal obligation to provide the coverage it promised to you. Be insistent about enforcing that obligation.

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    Car Accident Basics, accidents claims.#Accidents #claims


    Car Accident Basics

    Automobile accidents give rise to the majority of personal injury claims in the U.S. This isn’t surprising, given that there were 5,615,000 police reported car crashes in 2012, according to the National Highway Traffic Safety Administration (NHTSA).

    Motor Vehicle Accidents and the Law

    Legal claims arising from motor vehicle accidents are typically governed by the law of negligence. Generally, people who operate automobiles must exercise reasonable care under the circumstances. A failure to use reasonable care is considered negligence. A person who negligently operates a vehicle may be required to pay for any damages, either to a person or property, caused by his or her negligence. The injured party, known as the plaintiff, is required to prove that the defendant was negligent, that the negligence was a proximate cause of the accident, and that the accident caused the plaintiff’s injuries.

    Negligence and Motor Vehicle Accidents

    As with other types of accidents, figuring out who is at fault in a traffic accident is a matter of deciding who was negligent. In many cases, your instincts will tell you that a driver, cyclist or pedestrian acted carelessly, but not what rule or rules that person violated. An attorney will look to a number of sources to help you determine who was at fault for your accident, such as police reports, state traffic laws, and witnesses.

    Courts look to a number of factors in determining whether a driver was negligent. Some of these factors include, but aren’t limited to, the following:

    • Disobeying traffic signs or signals
    • Failing to signal while turning
    • Driving above or below the posted speed limit
    • Disregarding weather or traffic conditions
    • Driving under the influence of drugs or alcohol

    Other Common Causes of Automobile Accidents

    A driver may be liable for an accident due to his or her intentional or reckless conduct. A driver who is reckless is one who drives unsafely, with clear disregard for the probability that such driving may cause an accident. The NHTSA defines aggressive driving as a progression of unlawful driving actions such as:

    • Speeding above the posted limit or driving too fast for the current conditions
    • Improper or excessive lane changing, including failure to signal intent and failure to check that the lane change can be made safely
    • Improper passing, including failure to signal intent and use of the shoulder, median, or an emergency lane to pass

    On average, every 51 minutes, someone in the U.S. dies in an alcohol-related crash. Last year alone, over one million people were injured in alcohol-related traffic crashes. In a lawsuit arising from a drunk driving accident, in addition to the intoxicated driver’s liability for the injuries he or she caused, a bar or social host may be liable for damages if they served an obviously intoxicated guest, who then drove and caused an accident. The fact that the person who served the intoxicated driver alcohol may be held liable doesn’t relieve the intoxicated driver of liability, however. See the Dram Shop Laws article for more information about third party liability for drunk driving accidents.

    Because attorneys are aware of the many laws governing legal responsibility, an attorney can help you identify who might be held responsible for your injuries, including people or businesses you might not have considered.

    Accidents Not Caused by the Drivers Involved

    In certain cases, accidents are caused by factors unrelated to the conduct of any particular driver. For example, an automobile accident may occur due to a defect in someone’s automobile. In such a case, an automobile manufacturer or supplier may be responsible for injuries caused by a defect in the automobile under the law of product liability. A product liability suit is a lawsuit brought against the seller of a product for selling a defective product that caused physical injury to a consumer or user. If a manufacturer of a product creates a defective product – either in designing, manufacturing, or labeling the product – the manufacturer is liable for any injuries the product causes, regardless of whether the manufacturer was negligent.

    Other factors, such as poorly maintained roads and malfunctioning traffic control signals can contribute to cause an accident as well. Improper design, maintenance, construction, signage, lighting, or other highway defects, including poorly placed trees and utility poles, can also cause serious accidents. In cases such as this, government entities may be potential defendants. Special rules apply to claims and lawsuits brought against governmental bodies, however, and proper legal advice is critical to preserving and winning such claims.

    Learn More About Your Claim With a Free Consultation

    If you or a loved one has suffered a car accident injury, some important questions need to be answered. Reviewing your claim with an attorney can help you identify who, if anyone, was negligent and if that negligence caused your injury. That’s why a good first step is to contact an auto accident attorney for a free claim evaluation. An attorney can evaluate the merits of your case and help you decide on the next logical step.



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    Here s How Many Car Accidents You ll Have

    By Karen Aho Published June 17, 2011 Features

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    If you haven’t been in a car accident, consider yourself lucky. Or overdue.

    Continue Reading Below

    By car insurance industry estimates, you will file a claim for a collision about once every 17.9 years. That’s if you’re an average driver, which, whether you’re willing to admit it or not, you likely are.

    So if you got your license at age 16, the odds are quite good that you’ll experience some kind of crash by the time you’re 34, at the latest. Over the course of a typical long, driving lifetime, you should have a total of three to four accidents.

    Chances are these crashes won’t be deadly. There are about 10 million accidents of all kinds each year, from parking lot scrapes to multi-car pileups, according to the National Safety Council; in 2009, just three of every 1,000 of those accidents involved fatalities.

    But these crashes most likely will be costly. More than 2 million people are injured in crashes every year. In 2010, the average claim for injuries to cover both the insured driver and others involved in the crash had risen to $23,450, thanks in large part to soaring medical costs, according to the Insurance Research Council, a nonprofit research group.

    More On This.

    Continue Reading Below

    Accidents on the installment plan

    Which brings us to why this little-known number is so critical. (We got the accident-every-18-years statistic from the Property Casualty Insurers Association of America, a trade association that analyzes insurance data.)

    Insurance companies may sell protection — and one night of TV advertisements suggests that they do a pretty good job on this front — but they’re in the game to make a profit. And they don’t make a profit by paying for your accidents. They do so by getting you to pay for your accidents — in advance.

    You’re paying a smaller portion over a longer period of time, explains Dee Dee Mays, an actuary with Perr Knight, an insurance consultancy. It’s kind of a way to spread your risk.

    How to price your insurance rates low enough to lure you from a competitor, but high enough to make a profit on your future accidents, involves elaborate risk assessments that constitute the secret sauce of the insurance business.

    But all can be boiled down to the need to determine two things:

    *How many accidents will occur? Or, put another way, how likely is each driver in each car to have an accident? And,

    *How much will each accident cost?

    You’re already a statistic

    How often you’re considered due for that next accident depends a little, too, on your insurer. A company that insures large numbers of young drivers – who are far more likely to have accidents — will likely budget for a shorter gap between crashes. State Farm, the country’s largest auto insurance company, has customers with slightly lower-than-average accident rates.

    If we just take collisions, the average State Farm policy holder has a collision claim once every 19 years, says State Farm spokesman Dick Luedke.

    But odds are made to be beaten, right?

    Many factors are beyond a driver’s immediate control. Clearly you can’t alter road conditions or medical costs, at least by the time your insurance bill is due. That, in the insurance game, makes you a firm stat: a driver paying for the accident he’s expected to have every 17.9 years.

    But there are some ways you can move the needle, ways that will both change your lifetime-accident rate and lower your insurance premium.

    Assuming that, at least today, you can’t change your age, your driving history, or what kind of car you drive, here are some behaviors you can incorporate to lower your accident risk and, in the end, your insurance rates.

    Don’t drive impaired. No single factor is more likely to cause an accident than a driver impaired by alcohol or other drugs. One-third of fatal accidents in this country are attributed to drunken drivers alone.

    Don’t drive during the vampire hour. The deadliest three-hour periods on American roadways are between midnight and 3 a.m. on Saturdays and Sundays, according to the National Highway Traffic Safety Administration (NHTSA). Of those fatal crashes, 66% involve alcohol-impaired driving.

    Keep your eyes on the road. NHTSA data show that 995 of the 30,797 fatal crashes in 2009 involved drivers using cell phones. Nearly, 5,500 traffic deaths involved a driver distracted by something inside the car, including technology, according to the U.S. Department of Transportation.

    Don’t speed. Nearly one-third of all fatal accidents are attributed to speeding or driving too fast for conditions. Speeding is the single greatest contributor to accidents other than impaired driving. Insurance companies love such proven risk factors when assessing rates. Anyone who’s seen their premiums skyrocket after getting a ticket knows this well.

    Avoid congestion. Less than a quarter of both injury crashes and non-injury crashes in 2009 occurred on roadways with a posted speed limit of 55 mph or higher. Fewer intersections apparently make for fewer crashes. Be careful, though: When accidents do occur on these highways, they are more likely to be deadly, accounting for nearly half of all traffic fatalities.



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    Call Clearwater Solicitors today to start your case now, one simple call Freephone 08000 430 430.

    We have years of experience in the fields of crime, Personal Injury, Family Law, Immigration, Criminal Law and Wills Probate. We are based in Lancashire and have received Lexcel accreditation, confirming the high quality we offer in customer care and management in each and every case we deal with. Delivering the best legal representation to our clients has allowed our company to go from strength-to-strength and become leading law firm in Lancashire.

    All our clients can rest assured they will receive an efficient, customer-focused service from us and that we will give them good value for money. We know how important it is for people to have solicitors that put them first and give them straightforward.

    If you’re looking for expert legal advice we’re ready to help you out!

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    Car Accidents.com features information about auto accident collisions, crashes, wrecks and has thousands of accident pictures and a national lawyer network for personal injury claims.

    There were an estimated 6,420,000 cars involved in accidents in the US in 2005. The cost of these accidents exceeds 230+ Billion dollars. There were about 2.9 million injury cases and 42,636 car accident deaths. An average of 115 persons die each day in motor vehicle crashes in the United States — one every 13 minutes. According to the World Health Organization about 3000 people die in crashes each day worldwide.

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    Our team of experienced advisors are available to listen to what has occurred, discuss the details and help you bring a claim for compensation, for your injuries, loss of earnings and any other associated losses and expenses.

    • Claims accidents

    Accidents at Work

    Accidents at work account for millions of pounds of lost revenue each year.

    Accidents at Work

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    Road Traffic Accidents

    Motor vehicles play a large part in all our lives. And that part is getting bigger all the time. After all, most of someone who has been injured in a road traffic accident. And that’s hardly surprising when you consider that there are 20,000 road accidents alone occurring every year on Scotland’s roads.

    Road Traffic Accidents

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    Over our company history we have dealt with claims involving all types and severity of injury, please see our claims calculator page for examples of injury compensation amounts.

    • Claims accidents

    Slip or Trip and Public Liability Accidents

    A loose tile in a restaurant, shop or public house could all lead to a successful claim. If you’re a victim of this kind of negligence, we can help.

    Slip or Trip and Public Liability Accidents

  • Claims accidents

    Fatal and Serious Injury Claims

    We have over the years dealt with claims of significant complexity following serious injury and on contacting us we can advise on the prospects of successfully concluding a claim for compensation

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    Claiming after an accident is simple and easy with Quantam Claims

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    About Us

    For over 28 years Quantum Claims has been instrumental in obtaining compensation for our clients following accident, injury and loss. We operate purely on a “No Win No Fee” basis, the first in Scotland to do so.

    Be assured, one of our Scottish based claims handlers will deal personally with your claim from start to finish, where necessary instructing and working with a legal team following the need to progress your claim by means of litigation.

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  • Fatal Accidents, Crash, Accidents, Photos, Pictures, Pics: Fatal Auto Crashes from, accidents claims.#Accidents #claims


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    Clearwater Solicitors, The Most Experienced Personal Injury Firm, accidents claims.#Accidents #claims


    Call Clearwater Solicitors today to start your case now, one simple call Freephone 08000 430 430.

    We have years of experience in the fields of crime, Personal Injury, Family Law, Immigration, Criminal Law and Wills Probate. We are based in Lancashire and have received Lexcel accreditation, confirming the high quality we offer in customer care and management in each and every case we deal with. Delivering the best legal representation to our clients has allowed our company to go from strength-to-strength and become leading law firm in Lancashire.

    All our clients can rest assured they will receive an efficient, customer-focused service from us and that we will give them good value for money. We know how important it is for people to have solicitors that put them first and give them straightforward.

    If you’re looking for expert legal advice we’re ready to help you out!

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    Personal Injury Claims: Choosing a Personal Injury Solicitor

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    UK Road Accidents Map, Accident claims, accidents claims.#Accidents #claims


    UK Road Accidents Map

    According to the Royal Society for the Prevention of Accidents, there are around six deaths on UK roads every day. Whilst Britain has one of the best road safety records in the world, there is still much more to be done. To highlight the number of accidents that occur on our roads, Accident Claims have created a UK Road Accident Map.

    The accident map, which includes data from the Government’s 2011 dataset, includes a range of information concerning accidents in your local area. To find out how many traffic collisions have occurred near you, simple enter a postcode or click on a region and zoom to view details. Accident map users are also able to register and enter details of accidents they were involved in to see it appear in the map. Accident Claims plan to use this data that people enter to campaign for safer roads in areas where clusters appear.

    Stuart Kightley, a Partner at Accident Claims, said: Within 100 yards of my office in Camden there have been 4 fatal accidents in recent years. In three of them, a motorcyclist was killed. This interactive accident map will allow us to identify accident hotspots, and particularly those associated with fatal and serious injury accidents, which we can use to campaign for better road safety for motorcyclist, cyclist and pedestrians.

    About Us

    Here, at Accident Claims, we take on personal injury compensation cases from minor accident claims to traumatic head injury claims. We have over 20 years national experience in this area and consider each case individually, providing services that include clear legal advice and representation for individuals and businesses.

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    Car Insurance Claims: Dos and Don ts, accidents claims.#Accidents #claims


    Car Insurance Claims: Dos and Don’ts

    If you’re involved in a car accident, it’s important you maintain appropriate communication with your insurance company. The following are some do’s and don’ts to remember throughout the insurance claims process.

    Prepare yourself in advance by printing this helpful pamphlet on first steps after an auto accident, and storing it in your glove compartment. It has itemized steps you can check off, as well as an area where you can clearly fill out information vital to your insurance claim.

    DO call your agent as soon as an accident or injury takes place. As soon as you get home from the car accident, or even before you go to the doctor, call your agent.

    DO review and understand your coverage before talking to your insurer or your agent. Read the Coverage and Exclusion sections of you policy in particular.

    DO take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with, including their supervisor’s name.

    DO consider whether you might have insurance coverage under some other insurance policy as well. Many people have more than one policy that might cover a claim. In particular, look at homeowner policies, umbrella policies, and materials that came with your credit cards.

    DO take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries.

    DO be honest and forthcoming with your insurer. Even if it is embarrassing, it is better if your insurer knows all the facts. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage.

    DO understand the difference between replacement coverage and depreciated or actual cash value. If your policy provides replacement coverage, don’t settle a personal property loss for actual cash value. You may be required to replace the lost items before getting your full reimbursement if you have replacement cost coverage.

    DO keep all receipts of meals, lodging, and purchases made in connection with time spent pursuing your claim or recovering from your injuries from the time of the covered event until final settlement with your insurance company.

    DON’T give any recorded or written statements to your insurer until you are sure you understand your coverage. Remember you aren’t required to allow the insurance company to record your telephone conversation. If you have doubts, do consult an attorney.

    DON’T automatically accept the estimate or appraisal of your losses given to you by the insurer. Insurance companies will often try to get you to accept their estimator’s or contractor’s repair or replacement estimates, which might be a bit low.

    DON’T sign any releases or waivers of any kind until you obtain legal advice. A bad financial situation after a major loss may make it seem necessary for you to accept a premature, inadequate settlement from your insurer. But you may remember destroyed items after you have signed a release as to payment for your personal property inventory or other claims. For these reasons, it is advisable to consult an attorney before signing a release or waiver. Be sure to read the fine print on any payment from the insurance company.

    DON’T accept any check that says final payment unless you are ready to do so.

    DON’T ignore time limits set by your policy. Most policies require a signed proof of loss within a certain time limit. Be sure you comply with this requirement unless you obtain a written waiver from your insurance company. Many policies allow you only one year from the date of loss in which to bring a legal action if your claim has not been adjusted fairly. If your claim hasn’t been settled to your satisfaction 11 months after your loss, consult an attorney immediately. A failure to do so could result in the loss of your right to sue.

    DON’T forget that you have a contract with your insurer. Your insurer has a legal obligation to provide the coverage it promised to you. Be insistent about enforcing that obligation.

    Do You Have a Valid Claim for Damages? Find Out For Free



    Home, Quantum Claims, accidents claims.#Accidents #claims


    Scotland has a Champion

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    Our team of experienced advisors are available to listen to what has occurred, discuss the details and help you bring a claim for compensation, for your injuries, loss of earnings and any other associated losses and expenses.

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    Accidents at work account for millions of pounds of lost revenue each year.

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    Motor vehicles play a large part in all our lives. And that part is getting bigger all the time. After all, most of someone who has been injured in a road traffic accident. And that’s hardly surprising when you consider that there are 20,000 road accidents alone occurring every year on Scotland’s roads.

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    A loose tile in a restaurant, shop or public house could all lead to a successful claim. If you’re a victim of this kind of negligence, we can help.

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    We have over the years dealt with claims of significant complexity following serious injury and on contacting us we can advise on the prospects of successfully concluding a claim for compensation

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    We are proud to offer a personal Scottish based service which although will put you at ease will also give you the confidence of having made the correct decision in contacting Quantum Claims.

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    Quantum Claims is already representing hundreds of car owners in pursuing claims for compensation relating to the VW Emissions scandal.

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    About Us

    For over 28 years Quantum Claims has been instrumental in obtaining compensation for our clients following accident, injury and loss. We operate purely on a “No Win No Fee” basis, the first in Scotland to do so.

    Be assured, one of our Scottish based claims handlers will deal personally with your claim from start to finish, where necessary instructing and working with a legal team following the need to progress your claim by means of litigation.

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  • Car Accident Basics, accidents claims.#Accidents #claims


    Car Accident Basics

    Automobile accidents give rise to the majority of personal injury claims in the U.S. This isn’t surprising, given that there were 5,615,000 police reported car crashes in 2012, according to the National Highway Traffic Safety Administration (NHTSA).

    Motor Vehicle Accidents and the Law

    Legal claims arising from motor vehicle accidents are typically governed by the law of negligence. Generally, people who operate automobiles must exercise reasonable care under the circumstances. A failure to use reasonable care is considered negligence. A person who negligently operates a vehicle may be required to pay for any damages, either to a person or property, caused by his or her negligence. The injured party, known as the plaintiff, is required to prove that the defendant was negligent, that the negligence was a proximate cause of the accident, and that the accident caused the plaintiff’s injuries.

    Negligence and Motor Vehicle Accidents

    As with other types of accidents, figuring out who is at fault in a traffic accident is a matter of deciding who was negligent. In many cases, your instincts will tell you that a driver, cyclist or pedestrian acted carelessly, but not what rule or rules that person violated. An attorney will look to a number of sources to help you determine who was at fault for your accident, such as police reports, state traffic laws, and witnesses.

    Courts look to a number of factors in determining whether a driver was negligent. Some of these factors include, but aren’t limited to, the following:

    • Disobeying traffic signs or signals
    • Failing to signal while turning
    • Driving above or below the posted speed limit
    • Disregarding weather or traffic conditions
    • Driving under the influence of drugs or alcohol

    Other Common Causes of Automobile Accidents

    A driver may be liable for an accident due to his or her intentional or reckless conduct. A driver who is reckless is one who drives unsafely, with clear disregard for the probability that such driving may cause an accident. The NHTSA defines aggressive driving as a progression of unlawful driving actions such as:

    • Speeding above the posted limit or driving too fast for the current conditions
    • Improper or excessive lane changing, including failure to signal intent and failure to check that the lane change can be made safely
    • Improper passing, including failure to signal intent and use of the shoulder, median, or an emergency lane to pass

    On average, every 51 minutes, someone in the U.S. dies in an alcohol-related crash. Last year alone, over one million people were injured in alcohol-related traffic crashes. In a lawsuit arising from a drunk driving accident, in addition to the intoxicated driver’s liability for the injuries he or she caused, a bar or social host may be liable for damages if they served an obviously intoxicated guest, who then drove and caused an accident. The fact that the person who served the intoxicated driver alcohol may be held liable doesn’t relieve the intoxicated driver of liability, however. See the Dram Shop Laws article for more information about third party liability for drunk driving accidents.

    Because attorneys are aware of the many laws governing legal responsibility, an attorney can help you identify who might be held responsible for your injuries, including people or businesses you might not have considered.

    Accidents Not Caused by the Drivers Involved

    In certain cases, accidents are caused by factors unrelated to the conduct of any particular driver. For example, an automobile accident may occur due to a defect in someone’s automobile. In such a case, an automobile manufacturer or supplier may be responsible for injuries caused by a defect in the automobile under the law of product liability. A product liability suit is a lawsuit brought against the seller of a product for selling a defective product that caused physical injury to a consumer or user. If a manufacturer of a product creates a defective product – either in designing, manufacturing, or labeling the product – the manufacturer is liable for any injuries the product causes, regardless of whether the manufacturer was negligent.

    Other factors, such as poorly maintained roads and malfunctioning traffic control signals can contribute to cause an accident as well. Improper design, maintenance, construction, signage, lighting, or other highway defects, including poorly placed trees and utility poles, can also cause serious accidents. In cases such as this, government entities may be potential defendants. Special rules apply to claims and lawsuits brought against governmental bodies, however, and proper legal advice is critical to preserving and winning such claims.

    Learn More About Your Claim With a Free Consultation

    If you or a loved one has suffered a car accident injury, some important questions need to be answered. Reviewing your claim with an attorney can help you identify who, if anyone, was negligent and if that negligence caused your injury. That’s why a good first step is to contact an auto accident attorney for a free claim evaluation. An attorney can evaluate the merits of your case and help you decide on the next logical step.



    The Truth About Low Speed Auto Accidents, Orange County CA Car Accident, car accidents claims.#Car #accidents #claims


    The Truth About Low Speed Auto Accidents

    Dr Barry L Marks

    Chiropractor, Car Accident Specialist in Orange County, CA

    Car accidents claimsLow Speed Auto Accidents

    Thousands of car accidents occur everyday. And every day thousands are injured. Researchers note that the majority of auto accident injury claims occur at relatively low speeds of about 12 mph or less.

    This causes tremendous disputes between injured parties and the insurance companies that are responsible for compensating them for their car accident claim. To insurers, there really is no speed at which they want to admit an injury could occur. For economic reasons they try to dismiss whiplash or car accident injuries entirely, as if they don t exist.

    Thanks to recent irrefutable research studies proving the existence and exact mechanism of whiplash car injuries, insurers are hard pressed to try the whiplash is a hoax defense nearly as much as in the past.

    A more recent tactic is to claim the speed of the collision is too low to cause injury. Enter the low speed collision or slow speed collision defense. The defense often relies on their insured s reports of how fast they were going when they ran into the back of the other party-obviously biased data.

    Other times photographs of the vehicle damage is used to show a low speed car accident. Often, the photographs are shown to an Accident Reconstructionist who by merely looking at photographic damage of a car crash then renders an opinion on how fast the vehicles were traveling. They will even go so far to make statements such as the evidence suggests there was insufficient force to cause human bodily injury This would be laughable if it didn t cause so many problems for injured car accident victims. By the way, in most states Auto Crash Reconstructionists are only allowed to testify or ender an expert opinion as to vehicle damage. They are not trained to determine bodily injury.

    Here are but a few facts concerning motor vehicle injuries and their relationship to speed with supporting scientific evidence.

    Three different studies (Panjabi, Panjabi and Cholewicki and Kaneoka) proved the mechanism by which the neck is injured by a rear impact force simulating a car accident. [1], [2], [3] The studies involved simulating a rear impact collision on live human test subjects and recording the results with cineradiography (high speed motion x-rays). The researchers found that the neck was injured by deforming into an S- shaped configuration within fractions of a second of the impact before the occupant is aware of the impact and before reflexes can protect them. All three of these studies found that this physical event occurred at speeds as low as 2.5 mph. In other words, when they simulated car crashes sufficient to cause the head to move in relationship to the body at a rate of 2.5 mph, injuries were recorded.

    The radiographically proven human threshold for injury in a rear impact auto accident therefore is 2.5 mph. Other authors have disputed these figures and some insurance company sponsored studies have found the threshold to be closer to 5 mph.

    For the sake of argument, let s stipulate that the 5 mph threshold is correct. It still means that a collision of only 5 mph can cause damage to the neck.

    Freeman et. al. in Spine, Vol. 23, Number 9, 1998, p. 1046 shows the damage thresholds for many cars. This is the minimum speed required to cause the car to show visible signs of damage. The smallest, lightest vehicle listed was the 1980 Toyota Tercel, which required a collision of 8.1 mph to become damaged. On the other end of the spectrum was the 1989 Chevrolet Citation, which required 12.7 mph. A Ford F-250 pick up required 11.7 mph.

    Cars built today are equipped with rear bumpers designed not to show any damage below 5 mph. In an attempt to reduce repair costs shouldered by insurance companies, crash standards were adopted to mandate rear bumpers must withstand a 5 mph collision into a fixed barrier (wall, pole, etc) without any visible evidence of damage. It should be noted that this standard involves testing of vehicle to barrier crashes not vehicle to vehicle testing.

    Hitting a pole as in vehicle to barrier testing yields more damage at lower speeds. The barrier does not move or absorb any energy.

    In vehicle to vehicle crashes where the bumpers line up well, it takes considerably more force to cause visible bumper damage than a 5 mph collision. Some tests have shown that cars could be crashed repeatedly at 20 mph and not show outer damage. In a vehicle to vehicle crash it is estimated that the minimum speed to cause visible damage is approximately 15 mph.

    What happens to the occupant in these collisions is what matters. If you are backing up in a parking lot and run into a pole at 6 mph. You will feel a crunch and a bump. You ll be startled and upset about your bumper, but it is unlikley you ll be injured.

    On the other hand, if you are stopped in a parking lot waiting for a space and another vehicle strikes you at 12 mph (the average speed of a car in a parking lot) you will likely feel a tremendous jolt, hear a loud bang and your car will be pushed forward a few feet. It is probable that your neck will be injured, although it may not show up for hours or days, but your bumper may not even show a dent.

    In the first scenario all the energy of the crash was absorbed by the bumper. In the second, some of the energy was bled off into the two vehicles, but much of it was transmitted into your body causing your neck to deform into the S configuration resulting in injury.

    Another consideration is that while a bumper may look undamaged from the outside after a collision, inside under the skin, the foam or plastic may be crushed or cracked. This is not seen from the outside, so photographs would make it appear as if no damage was sustained. Still further, the bumper may appear intact, but on unibody vehicles, the unibody may be bent or deformed by a collision. This may not be apparent and some auto repair facilities may miss it.

    So what does this mean? It means that if you are rear-ended and your bumper is cracked, dented, or misplaced at all, your collision involved speeds in excess of 15 mph. That s 3 times the human threshold for injury if we use the 5 mph figure. In reality, the proven threshold is only 2.5 mph, so a collision of 15 mph is 6 times the threshold for injury.

    Now let s say your vehicle sustained no visible damage, but your neck hurts after the collision. Does that mean you weren t really injured? No. It means that the vehicle s threshold for damage was not exceeded. The impact could have been 10 mph. Too low for bumper damage, but still 4 times the threshold for human injury.

    In a low speed collision, the kinetic forces that are transferred from the other vehicle into your vehicle are not dampened or bled off by your bumper. Instead, the force is transmitted through the vehicle, into your seat and to your neck resulting in injury. If your body or neck are jolted or jerked by the impact, an injury could occur.

    Another aspect to consider is if your vehicle is moved forward by the impact. An average car weighs close to 4,000 lbs. Let s say you are hit from behind and your car is pushed forward a few feet, but shows no signs of bumper damage. Is it possible to be hurt? Yes, of course. The force required to move a stationary 4,000 lb object is tremendous. Can you walk up to a car sitting at a red light with its brakes on and shove it forward even an inch? Not likely. A collision that is strong enough to propel a car forward by even inches is plenty enough force to cause a whiplash injury.

    So, as you have now learned, there really shouldn t be any dispute on whether a low speed car accident collision can cause injuries. It has been scientifically proven by several studies. It is also a fact that the speed required to cause bodily injury is quite low, a scant 2.5 mph. It has also been shown that any accident that causes damage to the rear bumper is likely to cause injuries and even in accidents where there is no outward physical damage to the vehicle, there may still be sufficient forces involved to cause bodily injuries.

    Dr. Marks is a car accident injury specialist in practice since 1986. He is a former Associate Clinical Professor at a leading Chiropractic College and has advanced post-doctorate training in whiplash, car accident reconstruction, brain trauma and orthopedics. He is the Medical Director of Orange Spine Disc Rehabilitation Center in Orange County, CA where he specializes in back pain and neck pain from car accidents. His opinion is often sought by other doctors, attorneys and insurance companies. You may contact Dr. Marks office at (714) 938-0575 for a Free Car Accident Severity consultation. Or order his Free Car Accident report.

    Panjabi MM, Grauer JN (1997): Whiplash produces a S-shape curvature of the neck with hyperextension at lower levels. Spine 22 (21): 2489-94.

    Panjabi MM, Cholewicki J, Nibu K, Grauer JN, Babat LB, Dvorak J, Bar HF (1998-12-01): [Biomechanics of whiplash injury]. Orthopade 1998 Dec; 27(12): 813-9.

    Koji Kaneoka, Koshiro Ono, Satoshi Inami and Koichiro Hayashi (99-04-15). Motion analysis of cervical vertebrae during whiplash loading. Spine 24(8): 763-770

    Characteristics of Specific Automobile Bumpers in Low Velocity Impacts, SAE 940916



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    Car Insurance Claims: Dos and Don ts, car accidents claims.#Car #accidents #claims


    Car Insurance Claims: Dos and Don’ts

    If you’re involved in a car accident, it’s important you maintain appropriate communication with your insurance company. The following are some do’s and don’ts to remember throughout the insurance claims process.

    Prepare yourself in advance by printing this helpful pamphlet on first steps after an auto accident, and storing it in your glove compartment. It has itemized steps you can check off, as well as an area where you can clearly fill out information vital to your insurance claim.

    DO call your agent as soon as an accident or injury takes place. As soon as you get home from the car accident, or even before you go to the doctor, call your agent.

    DO review and understand your coverage before talking to your insurer or your agent. Read the Coverage and Exclusion sections of you policy in particular.

    DO take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with, including their supervisor’s name.

    DO consider whether you might have insurance coverage under some other insurance policy as well. Many people have more than one policy that might cover a claim. In particular, look at homeowner policies, umbrella policies, and materials that came with your credit cards.

    DO take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries.

    DO be honest and forthcoming with your insurer. Even if it is embarrassing, it is better if your insurer knows all the facts. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage.

    DO understand the difference between replacement coverage and depreciated or actual cash value. If your policy provides replacement coverage, don’t settle a personal property loss for actual cash value. You may be required to replace the lost items before getting your full reimbursement if you have replacement cost coverage.

    DO keep all receipts of meals, lodging, and purchases made in connection with time spent pursuing your claim or recovering from your injuries from the time of the covered event until final settlement with your insurance company.

    DON’T give any recorded or written statements to your insurer until you are sure you understand your coverage. Remember you aren’t required to allow the insurance company to record your telephone conversation. If you have doubts, do consult an attorney.

    DON’T automatically accept the estimate or appraisal of your losses given to you by the insurer. Insurance companies will often try to get you to accept their estimator’s or contractor’s repair or replacement estimates, which might be a bit low.

    DON’T sign any releases or waivers of any kind until you obtain legal advice. A bad financial situation after a major loss may make it seem necessary for you to accept a premature, inadequate settlement from your insurer. But you may remember destroyed items after you have signed a release as to payment for your personal property inventory or other claims. For these reasons, it is advisable to consult an attorney before signing a release or waiver. Be sure to read the fine print on any payment from the insurance company.

    DON’T accept any check that says final payment unless you are ready to do so.

    DON’T ignore time limits set by your policy. Most policies require a signed proof of loss within a certain time limit. Be sure you comply with this requirement unless you obtain a written waiver from your insurance company. Many policies allow you only one year from the date of loss in which to bring a legal action if your claim has not been adjusted fairly. If your claim hasn’t been settled to your satisfaction 11 months after your loss, consult an attorney immediately. A failure to do so could result in the loss of your right to sue.

    DON’T forget that you have a contract with your insurer. Your insurer has a legal obligation to provide the coverage it promised to you. Be insistent about enforcing that obligation.

    Do You Have a Valid Claim for Damages? Find Out For Free



    Car Accident Basics, car accidents claims.#Car #accidents #claims


    Car Accident Basics

    Automobile accidents give rise to the majority of personal injury claims in the U.S. This isn’t surprising, given that there were 5,615,000 police reported car crashes in 2012, according to the National Highway Traffic Safety Administration (NHTSA).

    Motor Vehicle Accidents and the Law

    Legal claims arising from motor vehicle accidents are typically governed by the law of negligence. Generally, people who operate automobiles must exercise reasonable care under the circumstances. A failure to use reasonable care is considered negligence. A person who negligently operates a vehicle may be required to pay for any damages, either to a person or property, caused by his or her negligence. The injured party, known as the plaintiff, is required to prove that the defendant was negligent, that the negligence was a proximate cause of the accident, and that the accident caused the plaintiff’s injuries.

    Negligence and Motor Vehicle Accidents

    As with other types of accidents, figuring out who is at fault in a traffic accident is a matter of deciding who was negligent. In many cases, your instincts will tell you that a driver, cyclist or pedestrian acted carelessly, but not what rule or rules that person violated. An attorney will look to a number of sources to help you determine who was at fault for your accident, such as police reports, state traffic laws, and witnesses.

    Courts look to a number of factors in determining whether a driver was negligent. Some of these factors include, but aren’t limited to, the following:

    • Disobeying traffic signs or signals
    • Failing to signal while turning
    • Driving above or below the posted speed limit
    • Disregarding weather or traffic conditions
    • Driving under the influence of drugs or alcohol

    Other Common Causes of Automobile Accidents

    A driver may be liable for an accident due to his or her intentional or reckless conduct. A driver who is reckless is one who drives unsafely, with clear disregard for the probability that such driving may cause an accident. The NHTSA defines aggressive driving as a progression of unlawful driving actions such as:

    • Speeding above the posted limit or driving too fast for the current conditions
    • Improper or excessive lane changing, including failure to signal intent and failure to check that the lane change can be made safely
    • Improper passing, including failure to signal intent and use of the shoulder, median, or an emergency lane to pass

    On average, every 51 minutes, someone in the U.S. dies in an alcohol-related crash. Last year alone, over one million people were injured in alcohol-related traffic crashes. In a lawsuit arising from a drunk driving accident, in addition to the intoxicated driver’s liability for the injuries he or she caused, a bar or social host may be liable for damages if they served an obviously intoxicated guest, who then drove and caused an accident. The fact that the person who served the intoxicated driver alcohol may be held liable doesn’t relieve the intoxicated driver of liability, however. See the Dram Shop Laws article for more information about third party liability for drunk driving accidents.

    Because attorneys are aware of the many laws governing legal responsibility, an attorney can help you identify who might be held responsible for your injuries, including people or businesses you might not have considered.

    Accidents Not Caused by the Drivers Involved

    In certain cases, accidents are caused by factors unrelated to the conduct of any particular driver. For example, an automobile accident may occur due to a defect in someone’s automobile. In such a case, an automobile manufacturer or supplier may be responsible for injuries caused by a defect in the automobile under the law of product liability. A product liability suit is a lawsuit brought against the seller of a product for selling a defective product that caused physical injury to a consumer or user. If a manufacturer of a product creates a defective product – either in designing, manufacturing, or labeling the product – the manufacturer is liable for any injuries the product causes, regardless of whether the manufacturer was negligent.

    Other factors, such as poorly maintained roads and malfunctioning traffic control signals can contribute to cause an accident as well. Improper design, maintenance, construction, signage, lighting, or other highway defects, including poorly placed trees and utility poles, can also cause serious accidents. In cases such as this, government entities may be potential defendants. Special rules apply to claims and lawsuits brought against governmental bodies, however, and proper legal advice is critical to preserving and winning such claims.

    Learn More About Your Claim With a Free Consultation

    If you or a loved one has suffered a car accident injury, some important questions need to be answered. Reviewing your claim with an attorney can help you identify who, if anyone, was negligent and if that negligence caused your injury. That’s why a good first step is to contact an auto accident attorney for a free claim evaluation. An attorney can evaluate the merits of your case and help you decide on the next logical step.



    Thompsons Personal Injury Solicitors Scotland, claims accidents.#Claims #accidents


    Personal injury solicitors in Scotland seeking justice for you

    We are a leading firm of accident claim lawyers – professional, friendly and dedicated to achieving the best outcome for you.

    We believe that we have achieved this reputation through our passion for justice and our determination to always recover the maximum compensation that our clients are entitled to. If you need a lawyer for accident compensation advice, and ask us to help, we will do our utmost to achieve the best result for you.

    Claims accidents

    Whiplash and RTA claims

    Whiplash and RTA claims

    Whether you have suffered a relatively minor whiplash neck injury or a car accident has resulted in severe life-altering injuries, our personal injury solicitors are here to listen, advise and represent you throughout your claim.

    Claims accidents

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    Scotland’s heritage of heavy industry has left a legacy of industrial diseases such as asbestosis and mesothelioma. If you have been exposed to.

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    Whether it’s a fall from height, an electrical accident, ill health caused by work or any work-related issue which has caused you pain and suffering and/or financial loss, Thompsons Solicitors in Scotland can help. Our team is extremely experienced and.

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    If you have received a defective medical product or the care and treatment you have received from healthcare professionals has been negligent, then.

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    We remove the worry from making a claim with our No Win No Fee Solicitors package which guarantees that you will receive maximum compensation with no hidden costs, no upfront outlay, just expert personal injury legal advice and representation.



    Leading Web Site Featuring Pictures, Stories and Lawyer Directory, claims accidents.#Claims #accidents


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    GM Recall Injury and Wrongful Death Lawsuits:

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    Hundreds believed killed and injured. Cover-up. US Congress Investigation.

    One person dies in the US every 13 minutes in a Car Accident- 115 killed each day. 1.2 Million killed World Wide each year. This is unacceptable! Submit your Selfies, crash story and pictures Here

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    Car Accidents.com features information about auto accident collisions, crashes, wrecks and has thousands of accident pictures and a national lawyer network for personal injury claims.

    There were an estimated 6,420,000 cars involved in accidents in the US in 2005. The cost of these accidents exceeds 230+ Billion dollars. There were about 2.9 million injury cases and 42,636 car accident deaths. An average of 115 persons die each day in motor vehicle crashes in the United States — one every 13 minutes. According to the World Health Organization about 3000 people die in crashes each day worldwide.

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    UK Road Accidents Map, Accident claims, claims accidents.#Claims #accidents


    UK Road Accidents Map

    According to the Royal Society for the Prevention of Accidents, there are around six deaths on UK roads every day. Whilst Britain has one of the best road safety records in the world, there is still much more to be done. To highlight the number of accidents that occur on our roads, Accident Claims have created a UK Road Accident Map.

    The accident map, which includes data from the Government’s 2011 dataset, includes a range of information concerning accidents in your local area. To find out how many traffic collisions have occurred near you, simple enter a postcode or click on a region and zoom to view details. Accident map users are also able to register and enter details of accidents they were involved in to see it appear in the map. Accident Claims plan to use this data that people enter to campaign for safer roads in areas where clusters appear.

    Stuart Kightley, a Partner at Accident Claims, said: Within 100 yards of my office in Camden there have been 4 fatal accidents in recent years. In three of them, a motorcyclist was killed. This interactive accident map will allow us to identify accident hotspots, and particularly those associated with fatal and serious injury accidents, which we can use to campaign for better road safety for motorcyclist, cyclist and pedestrians.

    About Us

    Here, at Accident Claims, we take on personal injury compensation cases from minor accident claims to traumatic head injury claims. We have over 20 years national experience in this area and consider each case individually, providing services that include clear legal advice and representation for individuals and businesses.

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    Car Accident Basics, claims accidents.#Claims #accidents


    Car Accident Basics

    Automobile accidents give rise to the majority of personal injury claims in the U.S. This isn’t surprising, given that there were 5,615,000 police reported car crashes in 2012, according to the National Highway Traffic Safety Administration (NHTSA).

    Motor Vehicle Accidents and the Law

    Legal claims arising from motor vehicle accidents are typically governed by the law of negligence. Generally, people who operate automobiles must exercise reasonable care under the circumstances. A failure to use reasonable care is considered negligence. A person who negligently operates a vehicle may be required to pay for any damages, either to a person or property, caused by his or her negligence. The injured party, known as the plaintiff, is required to prove that the defendant was negligent, that the negligence was a proximate cause of the accident, and that the accident caused the plaintiff’s injuries.

    Negligence and Motor Vehicle Accidents

    As with other types of accidents, figuring out who is at fault in a traffic accident is a matter of deciding who was negligent. In many cases, your instincts will tell you that a driver, cyclist or pedestrian acted carelessly, but not what rule or rules that person violated. An attorney will look to a number of sources to help you determine who was at fault for your accident, such as police reports, state traffic laws, and witnesses.

    Courts look to a number of factors in determining whether a driver was negligent. Some of these factors include, but aren’t limited to, the following:

    • Disobeying traffic signs or signals
    • Failing to signal while turning
    • Driving above or below the posted speed limit
    • Disregarding weather or traffic conditions
    • Driving under the influence of drugs or alcohol

    Other Common Causes of Automobile Accidents

    A driver may be liable for an accident due to his or her intentional or reckless conduct. A driver who is reckless is one who drives unsafely, with clear disregard for the probability that such driving may cause an accident. The NHTSA defines aggressive driving as a progression of unlawful driving actions such as:

    • Speeding above the posted limit or driving too fast for the current conditions
    • Improper or excessive lane changing, including failure to signal intent and failure to check that the lane change can be made safely
    • Improper passing, including failure to signal intent and use of the shoulder, median, or an emergency lane to pass

    On average, every 51 minutes, someone in the U.S. dies in an alcohol-related crash. Last year alone, over one million people were injured in alcohol-related traffic crashes. In a lawsuit arising from a drunk driving accident, in addition to the intoxicated driver’s liability for the injuries he or she caused, a bar or social host may be liable for damages if they served an obviously intoxicated guest, who then drove and caused an accident. The fact that the person who served the intoxicated driver alcohol may be held liable doesn’t relieve the intoxicated driver of liability, however. See the Dram Shop Laws article for more information about third party liability for drunk driving accidents.

    Because attorneys are aware of the many laws governing legal responsibility, an attorney can help you identify who might be held responsible for your injuries, including people or businesses you might not have considered.

    Accidents Not Caused by the Drivers Involved

    In certain cases, accidents are caused by factors unrelated to the conduct of any particular driver. For example, an automobile accident may occur due to a defect in someone’s automobile. In such a case, an automobile manufacturer or supplier may be responsible for injuries caused by a defect in the automobile under the law of product liability. A product liability suit is a lawsuit brought against the seller of a product for selling a defective product that caused physical injury to a consumer or user. If a manufacturer of a product creates a defective product – either in designing, manufacturing, or labeling the product – the manufacturer is liable for any injuries the product causes, regardless of whether the manufacturer was negligent.

    Other factors, such as poorly maintained roads and malfunctioning traffic control signals can contribute to cause an accident as well. Improper design, maintenance, construction, signage, lighting, or other highway defects, including poorly placed trees and utility poles, can also cause serious accidents. In cases such as this, government entities may be potential defendants. Special rules apply to claims and lawsuits brought against governmental bodies, however, and proper legal advice is critical to preserving and winning such claims.

    Learn More About Your Claim With a Free Consultation

    If you or a loved one has suffered a car accident injury, some important questions need to be answered. Reviewing your claim with an attorney can help you identify who, if anyone, was negligent and if that negligence caused your injury. That’s why a good first step is to contact an auto accident attorney for a free claim evaluation. An attorney can evaluate the merits of your case and help you decide on the next logical step.



    Personal injury claims for workplace accidents: What to do if you suffer injury or illness at work – Mirror Online, claims accidents.#Claims #accidents


    Workplace accidents: Know your rights to make sure you’re safe on the job

    With more than a million people suffering from work-related illnesses or injuries last year, it’s important to know your rights

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    • 12:18, 9 SEP 2013
    • Updated 14:58, 7 DEC 2015
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    While you are at work, your employer has a legal duty to protect you and tell you about health and safety issues that affect you.

    They also have a legal responsibility to report certain accidents and incidents, pay you sick pay and give you time off because of an accident at work should you need it.

    The most recent HSE figures, for the period covering 2011/12, showed:

    • 1.1 million working people suffering from a work-related illness
    • 172 workers killed at work
    • 111 000 other injuries to employees were reported under RIDDOR
    • 212 000 over-3-day absence injuries occurred (LFS)
    • 27 million working days were lost due to work-related illness and workplace injury
    • Workplace injuries and ill health (excluding cancer) cost society an estimated 13.4 billion in 2010/11

    Reporting an accident at work

    Any injury at work, including minor injuries, should be recorded in your employer’s ‘accident book’.

    All employers (except for very small companies) must keep an accident book.

    An accident book is mainly for the benefit of employees, as it provides a useful record of what happened in case you need time off work or need to claim compensation later on, but recording accidents also helps your employer see what’s going wrong and take action to stop accidents in future.

    Under the Reporting of Injuries, Diseases and Dangerous Occurences Regulations (known as RIDDOR), your employer has a duty to report work-related accidents, diseases and dangerous incidents to Health and Safety department at your local authority.

    These include deaths, major injuries (for example a broken bones), dangerous incidents (like a scaffolding collapse), people overcome by gas and any other injury that stops an employee from doing their normal work for more than three days.

    Although the reporting must be done by your employer, if you were involved in an incident, it’s a good idea to make sure that it has been reported correctly.

    Who is responsible?

    As well as reporting work-related accidents and illnesses, your employer also has an obligation to to carry out a risk assessment and do what’s needed to take care of the health and safety of employees and visitors.

    This includes deciding how many first aiders are needed and what kind of first aid equipment and facilities should be provided.

    First aiders have no statutory right to extra pay, but some employers do offer this. Employees must also take reasonable care over their own health and safety.

    Sick pay

    In most cases, if you need time off because of an accident at work, you’ll only have the right to Statutory Sick Pay. Your employer may have a scheme for paying more for time off caused by accidents, or may decide to pay extra depending on what has happened.

    Compensation

    If you’ve been injured in an accident at work and you think your employer is at fault, you may want to make a personal injury claim . Any claim must be made within three years of the date of the accident and you’ll normally need a lawyer to represent you. If you belong to a trade union, you may be able to use their legal services. Otherwise, you should speak to a specialist personal injury lawyer.

    Some lawyers will take your case on a ‘no win no fee’ basis. By law, your employer must be insured to cover a successful claim and should place a certificate with the name of their employer’s insurance company where it can be seen at work. If not, they must give you the details if you need them.

    What to do if you have an accident at work?

    • make sure you record any injury in the ‘accident book’
    • if need be, make sure your employer has reported it to the Health and Safety Executive
    • check your contract or written statement of employment for information about sick or accident pay
    • if there’s a dispute, try to sort it out with your employer

    Can you make a claim?

    Finding out if you could make a claim is simple, just take the 30 second test below or visit the



    Why Car Insurance Rates Go Up After Accidents, car accidents claims.#Car #accidents #claims


    Why Car Insurance Rates Go Up After Accidents

    When you get into an accident, you are subject to an increase in your base car insurance premium. Whether or not you are surcharged will depend upon your state and your insurance company.

    You may find that your rates rise even when you didn’t cause the accident. Let’s take a look at why car insurance rates can increase after an accident.

    The Insurance Company Decides

    When we buy car insurance, we help protect ourselves from the financial risks of suffering an injury or fatality, or of our car being damaged from an accident.

    Insurance companies are risk-averse. When you get into an accident, regardless of fault, you may be viewed as a higher risk. To offset this, the insurance company might elect to impose a surcharge.

    Incurring a rate increase due to an accident and the amount of the increase will vary by insurance company.

    Surcharges and State Law

    Many states have insurance regulations and legislation that prohibit an insurance company from raising your base premium IF:

    Examples of states that limit surcharges are:

    • Massachusetts. The state ONLY allows surcharges for an accident IF:
      • You are more than 50 percent at fault and the claim amount is over $500 (after your deductible).
        • Example: An accident with $800 filed as the claim cannot result in a surcharge if your deductible is $500, because the claim only costs the insurance company $300.
    • New York State. In NYS, insurance companies CANNOT raise your base premium IF:
      • You filed your claim under your comprehensive coverage.
      • The total damage from the crash is under $2,000 and no one was injured or killed.
        • NOTE: If you are in 2 accidents or more — even if the total damage for each was under $2,000 — your auto insurance company can issue you a surcharge.

      Other states have their own laws governing surcharges and rate increases. Check with your car insurance agent to learn more.

      What If I’m Not At Fault?

      While reason says you shouldn’t have to pay for an accident you didn’t cause, in some cases you might still see a surcharge when you weren’t at fault. The scenarios below may help explain why this happens.

      You are driving down a highway and flying debris that falls off a truck speeding past you hits and damages your car.

      Your insurance company may consider it an unavoidable flying object, cover it under your comprehensive coverage, and choose not to issue a surcharge. However, if you ran over the debris and damaged your car, collision coverage will pay for the damages, and this may subject you to a surcharge.

      If the truck driver realizes he caused damage to your car, does the right thing, and pulls over to the side of the road, you can file a claim under his liability insurance and avoid a rate increase.

      You get hit by a driver, only to find out that his insurance is not current.

      Claims filed under your uninsured or underinsured motorist coverage usually results in a surcharge that applies to your premium, even though you did not cause the loss. When your insurance company has to pay you, there’s a high likelihood that they’ll pass some costs down to you by imposing a surcharge.

      Some states mandate that insurance companies can’t give you a surcharge in your first accident with an uninsured driver (when you are not at fault); however, most states do not ban companies from imposing a surcharge after a second at-fault accident within your policy period.

      You are involved in an accident and are deemed not at fault.

      Some car insurance companies will increase your insurance premium regardless of fault. As someone who didn’t cause the accident, this can feel unfair.

      However, some insurance companies have statistically concluded, based on their customers’ driving behavior, that if a driver gets into just one accident they are more likely to get into another accident of equal or greater severity.

      Handling a Rate Increase

      It’s important to know the details of your car insurance policy. When you apply for car insurance, ask which situations will lead to increased rates.

      If you are handed a surcharge, discuss your options with your insurance company. In some cases, you may be able to appeal an at-fault finding and reverse your rate increase. If your surcharge is unavoidable, you may be able to keep your premium low by increasing your deductibles.

      If your premium becomes too high to handle, you can comparison-shop to see if you can find a better rate with another provider as all companies rate drivers differently.



      The Truth About Low Speed Auto Accidents, Orange County CA Car Accident, car accidents claims.#Car #accidents #claims


      The Truth About Low Speed Auto Accidents

      Dr Barry L Marks

      Chiropractor, Car Accident Specialist in Orange County, CA

      Car accidents claimsLow Speed Auto Accidents

      Thousands of car accidents occur everyday. And every day thousands are injured. Researchers note that the majority of auto accident injury claims occur at relatively low speeds of about 12 mph or less.

      This causes tremendous disputes between injured parties and the insurance companies that are responsible for compensating them for their car accident claim. To insurers, there really is no speed at which they want to admit an injury could occur. For economic reasons they try to dismiss whiplash or car accident injuries entirely, as if they don t exist.

      Thanks to recent irrefutable research studies proving the existence and exact mechanism of whiplash car injuries, insurers are hard pressed to try the whiplash is a hoax defense nearly as much as in the past.

      A more recent tactic is to claim the speed of the collision is too low to cause injury. Enter the low speed collision or slow speed collision defense. The defense often relies on their insured s reports of how fast they were going when they ran into the back of the other party-obviously biased data.

      Other times photographs of the vehicle damage is used to show a low speed car accident. Often, the photographs are shown to an Accident Reconstructionist who by merely looking at photographic damage of a car crash then renders an opinion on how fast the vehicles were traveling. They will even go so far to make statements such as the evidence suggests there was insufficient force to cause human bodily injury This would be laughable if it didn t cause so many problems for injured car accident victims. By the way, in most states Auto Crash Reconstructionists are only allowed to testify or ender an expert opinion as to vehicle damage. They are not trained to determine bodily injury.

      Here are but a few facts concerning motor vehicle injuries and their relationship to speed with supporting scientific evidence.

      Three different studies (Panjabi, Panjabi and Cholewicki and Kaneoka) proved the mechanism by which the neck is injured by a rear impact force simulating a car accident. [1], [2], [3] The studies involved simulating a rear impact collision on live human test subjects and recording the results with cineradiography (high speed motion x-rays). The researchers found that the neck was injured by deforming into an S- shaped configuration within fractions of a second of the impact before the occupant is aware of the impact and before reflexes can protect them. All three of these studies found that this physical event occurred at speeds as low as 2.5 mph. In other words, when they simulated car crashes sufficient to cause the head to move in relationship to the body at a rate of 2.5 mph, injuries were recorded.

      The radiographically proven human threshold for injury in a rear impact auto accident therefore is 2.5 mph. Other authors have disputed these figures and some insurance company sponsored studies have found the threshold to be closer to 5 mph.

      For the sake of argument, let s stipulate that the 5 mph threshold is correct. It still means that a collision of only 5 mph can cause damage to the neck.

      Freeman et. al. in Spine, Vol. 23, Number 9, 1998, p. 1046 shows the damage thresholds for many cars. This is the minimum speed required to cause the car to show visible signs of damage. The smallest, lightest vehicle listed was the 1980 Toyota Tercel, which required a collision of 8.1 mph to become damaged. On the other end of the spectrum was the 1989 Chevrolet Citation, which required 12.7 mph. A Ford F-250 pick up required 11.7 mph.

      Cars built today are equipped with rear bumpers designed not to show any damage below 5 mph. In an attempt to reduce repair costs shouldered by insurance companies, crash standards were adopted to mandate rear bumpers must withstand a 5 mph collision into a fixed barrier (wall, pole, etc) without any visible evidence of damage. It should be noted that this standard involves testing of vehicle to barrier crashes not vehicle to vehicle testing.

      Hitting a pole as in vehicle to barrier testing yields more damage at lower speeds. The barrier does not move or absorb any energy.

      In vehicle to vehicle crashes where the bumpers line up well, it takes considerably more force to cause visible bumper damage than a 5 mph collision. Some tests have shown that cars could be crashed repeatedly at 20 mph and not show outer damage. In a vehicle to vehicle crash it is estimated that the minimum speed to cause visible damage is approximately 15 mph.

      What happens to the occupant in these collisions is what matters. If you are backing up in a parking lot and run into a pole at 6 mph. You will feel a crunch and a bump. You ll be startled and upset about your bumper, but it is unlikley you ll be injured.

      On the other hand, if you are stopped in a parking lot waiting for a space and another vehicle strikes you at 12 mph (the average speed of a car in a parking lot) you will likely feel a tremendous jolt, hear a loud bang and your car will be pushed forward a few feet. It is probable that your neck will be injured, although it may not show up for hours or days, but your bumper may not even show a dent.

      In the first scenario all the energy of the crash was absorbed by the bumper. In the second, some of the energy was bled off into the two vehicles, but much of it was transmitted into your body causing your neck to deform into the S configuration resulting in injury.

      Another consideration is that while a bumper may look undamaged from the outside after a collision, inside under the skin, the foam or plastic may be crushed or cracked. This is not seen from the outside, so photographs would make it appear as if no damage was sustained. Still further, the bumper may appear intact, but on unibody vehicles, the unibody may be bent or deformed by a collision. This may not be apparent and some auto repair facilities may miss it.

      So what does this mean? It means that if you are rear-ended and your bumper is cracked, dented, or misplaced at all, your collision involved speeds in excess of 15 mph. That s 3 times the human threshold for injury if we use the 5 mph figure. In reality, the proven threshold is only 2.5 mph, so a collision of 15 mph is 6 times the threshold for injury.

      Now let s say your vehicle sustained no visible damage, but your neck hurts after the collision. Does that mean you weren t really injured? No. It means that the vehicle s threshold for damage was not exceeded. The impact could have been 10 mph. Too low for bumper damage, but still 4 times the threshold for human injury.

      In a low speed collision, the kinetic forces that are transferred from the other vehicle into your vehicle are not dampened or bled off by your bumper. Instead, the force is transmitted through the vehicle, into your seat and to your neck resulting in injury. If your body or neck are jolted or jerked by the impact, an injury could occur.

      Another aspect to consider is if your vehicle is moved forward by the impact. An average car weighs close to 4,000 lbs. Let s say you are hit from behind and your car is pushed forward a few feet, but shows no signs of bumper damage. Is it possible to be hurt? Yes, of course. The force required to move a stationary 4,000 lb object is tremendous. Can you walk up to a car sitting at a red light with its brakes on and shove it forward even an inch? Not likely. A collision that is strong enough to propel a car forward by even inches is plenty enough force to cause a whiplash injury.

      So, as you have now learned, there really shouldn t be any dispute on whether a low speed car accident collision can cause injuries. It has been scientifically proven by several studies. It is also a fact that the speed required to cause bodily injury is quite low, a scant 2.5 mph. It has also been shown that any accident that causes damage to the rear bumper is likely to cause injuries and even in accidents where there is no outward physical damage to the vehicle, there may still be sufficient forces involved to cause bodily injuries.

      Dr. Marks is a car accident injury specialist in practice since 1986. He is a former Associate Clinical Professor at a leading Chiropractic College and has advanced post-doctorate training in whiplash, car accident reconstruction, brain trauma and orthopedics. He is the Medical Director of Orange Spine Disc Rehabilitation Center in Orange County, CA where he specializes in back pain and neck pain from car accidents. His opinion is often sought by other doctors, attorneys and insurance companies. You may contact Dr. Marks office at (714) 938-0575 for a Free Car Accident Severity consultation. Or order his Free Car Accident report.

      Panjabi MM, Grauer JN (1997): Whiplash produces a S-shape curvature of the neck with hyperextension at lower levels. Spine 22 (21): 2489-94.

      Panjabi MM, Cholewicki J, Nibu K, Grauer JN, Babat LB, Dvorak J, Bar HF (1998-12-01): [Biomechanics of whiplash injury]. Orthopade 1998 Dec; 27(12): 813-9.

      Koji Kaneoka, Koshiro Ono, Satoshi Inami and Koichiro Hayashi (99-04-15). Motion analysis of cervical vertebrae during whiplash loading. Spine 24(8): 763-770

      Characteristics of Specific Automobile Bumpers in Low Velocity Impacts, SAE 940916



      Car Accident Liability: Proving Fault in a Car Crash #car #accident #liability, #car #accidents, #accidents #and #injuries


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      Car Accident Liability: Proving Fault in a Car Crash

      In almost all car, bike, or motorcycle accidents, it’s important to prove who was liable or responsible, that is: who made the mistake or was negligent. It may be obvious to all who was at fault in an accident, but just saying that often isn’t enough for insurance companies. You make a stronger argument to your insurer if you can support your side of the story with evidence. The following are things that can make your argument stronger.

      Police don’t always come to the scene of an accident. but if they do, the officer will probably have to make some sort of official report about the accident. The police generally come to accidents that involve injuries, but they often stop at non-injury accidents as well. If they do show up at your accident, be sure to ask the officer how to get a copy of the report once it’s filed.

      Sometimes police officers don’t show up at an accident. In places where police resources are limited, the parties often have to report the accident to the closest police station. After filing a police report, investigators may pick up your report and conduct their own inquiries. You can obtain copies of these reports .

      Police reports are the written recollections of the officer that studied the accident. These reports often contain great evidence about liability, such as the officer’s opinion that one car was speeding based on the officer’s observations of the length of the skid-marks. Officers also often indicate whether they issued any traffic tickets at the scene of an accident.

      The police report can be one of the most important pieces of evidence you present to your insurance company. Insurance companies may drag their feet about issuing car accident liability reports without first obtaining a copy of the police report.

      Amending a Police Report

      If there’s a mistake in a police report, it can be fixed. If the mistake involves a factual error, like incorrect vehicle or insurance information, you can generally amend the report by showing the police that information.

      However, amending a disputed fact, like fault determination, is much more difficult. Police departments often have different procedures for objecting to a report. You should contact the department involved in your accident to learn about their procedure. In many cases, you simply add your statement to the accident report. While it’s difficult to overcome a fault determination, it’s not impossible. You should consult with an accident attorney to determine the strength of your case.

      State Traffic Laws

      State traffic laws, often called the vehicle code, are another great place to find support for your argument that the other driver was at fault. These laws are often condensed into simple-to-read Rules of the Road that may be at your local DMV. You can also find many vehicle codes online at various state government websites, public law libraries, and in FindLaw Codes .

      After you’ve found the law that applies to your accident, you’re in a better position to negotiate with your or the other driver’s insurance company. For example, a code relating to yielding the right of way may be useful for a merging accident. Have the exact wording of the code, as it won’t help you to cite a law incorrectly to an insurance company.

      No Fault Car Accident Liability

      Certain kinds of accidents will almost always be one driver’s fault. In these situations, insurance companies rarely argue about which driver is responsible and will most likely attempt to settle immediately.

      Rear End Accidents

      Rear-end collisions are one of the most common types of accidents. If a car hits you from behind, it’ll almost never be your fault, even if you were stopped. One basic driving rule is that you’re supposed to leave enough room in front of your car to stop when the car in front of you stops suddenly. If the driver behind you couldn’t stop, he or she probably wasn’t driving safely.

      When one car’s rear end is damaged and another car’s front end is damaged, there really isn’t much to argue about who hit who. But the driver who hit you may have a claim against a third party driver that caused you to stop suddenly or the car behind him that pushed him into your car. This doesn’t affect his or her liability for the damage to your car.

      Although another driver was probably at fault, you may also be partially at fault if your negligence contributed to the accident. For example, if your brake lights were out or you had a flat tire and decided to stop in the middle of the road, you may also bear some comparative negligence which will reduce your monetary compensation.

      Similarly, left turn accidents are almost always the fault of the driver taking the left turn. Cars coming straight into an intersection will have the right of way in most cases, making the car turning left responsible for the accident. If the car going straight through the intersection is speeding or runs a red light, this may shift some or all of the liability away from the car turning left. Rarely, if the car started turning left while it was safe to do so, but was forced to stop because of some unforeseen circumstance, then some of the liability may be shifted.

      How to Get a Free Case Review

      While minor fender-benders typically can be resolved simply by exchanging insurance information, even minor accidents can result in serious injuries. If you have been injured in a car accident, have an experienced injury attorney review your claim free of charge. If you have a valid claim, many attorneys will wait until you have settled your case to collect their fees.



      Automobile Accidents #call #(410) #252-0600, #john #cord #law #helps #victims #and #their #families #receive #compensation #for #their #injuries #in #car #accident #and #auto #crash #cases. #automobile #accidents, #maryland #car #accident #lawyer


      Automobile Accidents

      Automobile accidents are stressful for you and your family. You often have to deal with the damage to your car and lack of transportation; whether the police will issue a citation; time out of work and loss of income; and discussions with insurance companies about confusing policy provisions. On top of this, if you or a loved one is injured, you might be concerned about how you are going to pay for the medical bills.

      At Posner Cord, we will help minimize the stress associated with your automobile accident. We understand that this is a significant event in your life, and we will be there with you every step of the way. When you call our office, you will speak to a lawyer, not a paralegal. A lawyer, not a paralegal, will meet with you to answer your questions and talk about what happened. A lawyer, not a paralegal, will meet you at one of our convenient offices around Maryland, or at your home if that is more convenient.

      We have experience handling automobile accidents, and we can put that experience to use in helping you to navigate the complex problems associated with even the simplest of automobile accidents.

      We will fight for you and your family every step of the way. If you are not satisfied with the settlement offered by the insurance company, we will be proud to represent you at trial.

      Questions? Learn more about:

      108 W Timonium Rd
      #303

      Timonium. MD 21093 USA

      Phone: (410) 252-0600 Fax: (443) 578-4687

      We serve the following localities: Anne Arundel County, Baltimore, Annapolis, Glen Burnie, Laurel, Linthicum Heights, Millersville, Pasadena, Baltimore County, Parkton, Parkville, Towson, Carney, Kingsville, Lochearn, Owings Mills, Perry Hall, Pikesville, Randallstown, Reisterstown, Rosedale, Sparrows Point, Woodlawn, Catonsville, Nottingham, Howard County, Columbia, Elkridge, Ellicott City, and Jessup.

      Automobile Accidents. Maryland Car Accident Attorney Posner & Cord, LLC



      Car Accidents #car #accident #oklahoma, #auto #accidents #| #claims #| #fault #| #lawyers #| #freeadvice.com


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      Car Accidents

      Car accidents are a fact of life. Nationwide, more than 4 people every minute are injured in motor vehicle crashes. Most accidents are minor and most drivers are insured, but if Murphy’s Law prevails, a car accident can turn into a complicated mess. Was the other driver uninsured or underinsured? Were there multiple cars involved in the accident? Is there disagreement about who was at fault? Is the insurance company denying coverage or compensation for medical bills, lost wages, property damage and/or pain and suffering? In this section, you will find information on auto accident laws, how to determine fault, how to deal with car insurance companies, and when to contact a car accident attorney to represent you.

      LITIGATION Court Says It’s OK to be Offensive on a Movie Set

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      INTELLECTUAL PROPERTY Sons Fight over Audrey Hepburn’s Gowns and Image

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      Legal Services – Chesapeake, VA – Michael G # #michael #sweeney, #mike #sweeney, #attorney, #lawyer, #chesapeake, #va #23320, #norfolk, #portsmouth, #virginia #beach, #chesapeake, #suffolk, #hampton, #newport #news, #hampton #roads, #automobile, #automobile #accidents, #motor #vehicle #accidents, #personal #injury, #civil #litigation, #criminal, #criminal #traffic, #traffic, #dui, #dwi, #corporation #law, #business #law, #wills, #motorcycle #accidents, #accidents, #car #accidents, #mesothelioma, #asbestos, #railroad #injuries, #wills, #trusts


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      Legal Hope For Victims of Motor Vehicle Accidents and Personal Injuries

      • The United States Supreme Court, Washington D.C.
      • The United States Fourth Circuit Court of Appeals, Richmond, Virginia
      • The United States District Court for the Eastern District of Virginia, Alexandria, Richmond, Norfolk, Virginia
      • The United States District Court for the Eastern District of North Carolina, Elizabeth City, North Carolina
      • The Virginia Supreme Court, Richmond, Virginia
      • The Virginia Court of Appeals, Richmond, Virginia
      • All Circuit Courts in the Commonwealth of Virginia
      • All General District Courts in the Commonwealth of Virginia
      • The North Carolina Supreme Court, Raleigh, North Carolina
      • The North Carolina Court of Appeals, Raleigh, North Carolina
      • All Superior Courts in the State of North Carolina
      • All District Courts in the State of North Carolina

      If you have been injured in an accident, our legal team will investigate your case and interview all witnesses. We will obtain all of your medical records, medical bills and we will obtain an affidavit of wage loss from your employer. Once we have obtained all information relevant to your case, we will submit a demand for compensation to the insurance company. If the insurance company fails to agree to a fair settlement with you, then we will file a lawsuit and represent you in Court. Our legal team will prepare your case for presentation to the Court and assist you at every stage of the lawsuit.

      Call now and schedule an appointment to discuss your case. We offer free consultations for all personal injuries.

      We are only paid if you receive compensation for your injury.

      Experience you can trust, personal service you deserve.

      Michael Sweeney has been practicing law in Virginia and North Carolina for over 23 years.

      “I have the experience to help you with your legal needs. I am committed to providing you with the highest level of service. My number one goal is to provide my clients with the results they deserve and to provide them with my utmost personal attention. Every case is important to me.”

      Disclaimer: The information contained in this site is not, nor is it intended to be, legal advice. You should consult an attorney for legal advice regarding your specific situation.



      Fatal Car Accidents #san #antonio #car #accidents #today


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      Fatal Car Accidents

      Auto accidents are the leading cause of serious injuries in San Antonio and the rest of Texas. In addition to causing very severe injuries, auto accidents frequently result in death. We understand that losing a loved one in an auto accident is a very traumatic experience. While it’s never easy to lose someone you love, the unexpected nature of auto accidents can make this loss even more overwhelming.

      Dealing with the Aftermath of Fatal Car Accidents

      Not only can a fatal car accident cause immense grief for that individual’s loved ones, but the sudden nature of this event can leave a family with a lot of unanswered questions. For example, if the person who passes away in this kind of accident was the primary income provider for a spouse and children, those dependents may be completely unsure of what they’re going to do as they try to move forward.

      Even though legal matters aren’t the first thoughts that come to someone’s mind during this challenging time, the loved ones of a fatal auto accident victim do have rights. Ensuring those rights are protected can be done by contacting a San Antonio injury lawyer. Speaking with an attorney can give a victim’s family an understanding of what remedies may be available to help ease the financial and emotional burden created by this tragic event.

      One of the most common questions people have about wrongful death claims is if they’re linked to criminal action. The answer to that question is usually no. In fact, it can still be possible for the family of a fatal car accident victim to pursue civil action in the form of a wrongful death claim even if a driver has been cleared of all criminal charges. Plenty of families opt to pursue this type of claim in the hopes that a driver will be held responsible for their negligent actions.

      The Basics of the Wrongful Death Claim Process

      In the case of a wrongful death claim that’s filed after a fatal auto accident, the claim will usually be targeted at the driver who was responsible for the accident. Depending on the specifics of the case, a claim may seek fair compensation for pain and suffering, funeral expenses, medical expenses, and lost wages.

      When this type of claim is filed, it’s not uncommon for the insurance company that’s involved to attempt to settle the claim for the lowest amount possible. Keeping a victim’s loved ones from being pressured into taking less than they rightfully deserve is one of the key reasons why it’s important to have a reputable San Antonio law firm involved in this process.

      Speak with a Caring and Understanding San Antonio Attorney

      At the Law Offices of Ronald A. Ramos, we understand the shock and grief that go along with losing a loved one in a fatal car accident. If you want to learn more about what rights you have in regards to a potential legal claim, you can count on our law firm to treat you with the respect you deserve. Call us today for a confidential, free consultation.

      Law Offices of Ronald A. Ramos, P.C.

      1844 Lockhill Selma Rd #102

      San Antonio. TX 78213



      Boating Regulations in Washington State #boat #accidents


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    • Know the Law
      To ensure your and others’ safety on the water, get to know the state regulations for operating your boat. Check out the Adventures in Boating Washington Handbook to learn about proper fueling and how to secure a boat to a trailer. Learn the right way to launch a boat into the water and familiarize yourself with the navigational rules. steps for handling bad weather and boating emergencies, and so much more.

      Registering your Vessel
      Register your boat with the Washington State Department of Licensing. To navigate, operate, employ, or moor your vessel in Washington, you must have a Washington title, registration card, and registration decals, except:

      • If your vessel is a canoe, kayak, or not propelled by a motor or sail.
      • If your vessel is less than 16 feet in length and has a motor of 10 horsepower or less and is used on non-federal waters only.
      • If your vessel is properly registered by a resident of another state or country who uses Washington waters for 60 days or fewer.

      The registration card (the cutout portion of the Vessel Registration Certificate) must be onboard whenever you use your vessel.

      Operator Age and Boating Education Requirements
      Counties and cities may have further restrictions so remember to check in with them before heading out on the water.

      • Anyone 12 years old and older may operate a motorboat of 15 hp and greater if they carry a Washington Boater Education Card.
      • If they do not have a card, they must be under the supervision of someone at least 16 years old, who is carrying a Boater Education Card.
      • Anyone born before January 1, 1955 is exempt from needing to carry a Boater Education Card.
      • Personal Watercraft – You must be at least 14 years old to operate a personal watercraft. Remember, it is illegal to lease, hire, or rent a personal watercraft to anyone under 16 years old.

      Safer Paddling Video Series
      Improve your paddle sports safety with these expert tips from American Canoe Association-certified instructors Kate Ross Kuthe and Paul Kuthe. The Safer Paddling Video Series shares safety, skills, and gear tips you can use for kayaking, canoeing, or other paddle sports.

      Navigating on Washington Waters
      Safe navigation is the responsibility of all boaters. Even though no vessel will have absolute right-of-way over other boats, there are rules that every operator should know and follow. To avoid collisions on the water, boaters should follow three basic rules:

      1. Practice good seamanship.
      2. Maintain a safe speed and distance.
      3. Keep a sharp lookout.

      Remember, it’s illegal to obstruct navigation by

      • Anchoring in the traveled part of a river or channel so that other vessels are interferred with or prevented from passing through.
      • Operating any vessel in a way that it will interfere with the safe navigation of other vessels
      • Mooring or attaching to a buoy (other than a mooring buoy), beacon, light, or any other navigational aid placed by authorities on public waters
      • Moving, displacing, tampering with, damaging, or destroying any navigational aid

      Prevent Pollution
      Spilling oil or a hazardous substance to state waters is illegal. Polluters can be fined up to $10,000 per violation or $100,000 for each day the oil poses a risk to the environment, or even more if the spill was intentional. Visit www.ecy.wa.gov/CleanGreenBoating at Washington Department of Ecology s Web site to learn more.



    • Beware the motor accident insurance scam – Canberra CityNews #ctp, #motor #vehicle #accidents, #scams


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      Beware the motor accident insurance scam

      Collision on Northbourne Avenue, Downer. Photo by Silas Brown

      THE Insurance Council of Australia is warning of a recent surge in data mining scams.

      “In recent months, insurers have become aware of an increase in unsolicited calls to motorists that promote compensation services or ask for personal information,” Insurance Councul CEO Rob Whelan said.

      “These calls can follow a car accident, and the caller may attempt to refer the motorist to a claims or compensation service. The ICA strongly encourages anyone receiving an unsolicited call to protect their personal information.”

      The Australian Competition and Consumer Commission (ACCC) has supported the ICA’s concerns.

      With scammers now targeting Australians in a myriad of ways, it is now more important than ever that we stay alert to scam approaches. The key message for consumers is, if you receive a phone call out of the blue promising money or offering services, verify the number independently or just hang up. If something is too good to be true, it probably is,” ACCC Deputy Chair Delia Rickard said.

      The ICA offer the following advice:

      • If you receive an unsolicited call of this nature, do not provide any personal information. Instead, ask the caller for the caller s name, organisation, website, email address and a return phone number. You can report the call and this information by visiting the ACCC’s SCAM watch website – www.scamwatch.gov.au – or call the SCAMwatch ACCC Infocentre on 1300 795 995 or call your insurer
      • If you receive an unsolicited call, and you have had a motor accident, you are strongly advised to contact your insurer.
      • If you receive an unsolicited call, and you have suffered an injury in a motor accident, you can also contact the ACT CTP insurance scheme on 13 22 81, http://www.treasury.act.gov.au/compulsorytpi/index.shtml
      • If the person making the unsolicited call has knowledge of your personal information, and you believe that they should not have this information, you may be able to make a privacy complaint to the Office of the Australian Information Commissioner (OAIC). Contact the OAIC on 1300 363 992.

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      Personal Injury Issues with Commercial Truck Accidents #concrete #truck #accidents


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      Personal Injury Issues with Commercial Truck Accidents

      An injury case involving an accident with a semi-truck or big rig will present some unique issues. Semi-truck operators must follow a number of federal and state regulations and are required to carry insurance with higher limits than standard vehicle drivers. Additionally, parties other than the semi-truck driver may share financial responsibility.

      For these reasons, a person injured (the plaintiff) by an at-fault semi-truck driver (the defendant) has a better chance of reaching an injury settlement that matches his or her damages than a plaintiff in a “standard” car accident. This article discusses the factors involved in an injury settlement after a semi-truck accident and gives some examples of past settlements.

      State and Federal Regulations Set Standards for Conduct and Insurance

      Semi-truck operators, owners and manufacturers must follow a wide variety of state and federal regulations. How much weight a rig can haul, how long a driver can go without rest, and quality control in manufacturing and repair are just a small fraction of the kinds of conduct regulated in the trucking business.

      In any given accident where the plaintiff is not at fault, chances are that one of the defendants violated a statute or ordinance. This is important for settlement purposes because proof of violation of a statute or other regulation greatly increases a plaintiff’s odds of winning at trial. The higher the odds of winning at trial, the more willing a defendant is to settle before trial.

      Another important aspect of state and federal regulation is the higher insurance requirements imposed on owners and operators of semi-trucks. For all practical purposes, a defendant in any kind of case will only be able to settle for an amount he or she can actually afford — or the maximum amount allowed by his or her insurance company (i.e. the policy limit).

      The higher minimum policy limits of semi-truck insurance set by law mean that even if the driver or employer only carried the minimum amount, the plaintiff will not be stuck with a small settlement. This is often not the case with the minimum required insurance in “standard” car accident cases.

      The Effect of Multiple Defendants on Settlement

      When multiple defendants are involved in a lawsuit, and depending on the facts, they may all be equally responsible for paying the plaintiff’s damages, or they may only be responsible for the damages they caused.

      For example, a tired driver may share partial responsibility for an accident with the manufacturer of faulty tires. The plaintiff will be able to sue the driver or the driver’s employer as well as the manufacturer. If it is unclear just how much each defendant is at fault, the manufacturer could be required to pay more than its half of the damages if the driver doesn’t have enough insurance and assets to pay his or her half.

      A drawback of multiple defendants with unclear proportions of fault is that a settlement may be more difficult to obtain, and a trial more likely. It may be clear that the plaintiff was not at fault for the accident, but the defendants may prefer a trial to settlement because they cannot agree on their proportions of fault, and who owes what. It is also possible for a plaintiff to settle with one defendant and then sue the other defendants for the balance of the damages determined at trial.

      Examples of Semi-Truck Settlements

      Note: The following are examples of settlements where the defendant was at fault and the plaintiff suffered significant damages. Simply because an accident involves a semi-truck does not mean the driver or other party is automatically at fault and willing to offer a high settlement.

      • A plaintiff was driving her car when struck head-on by a semi-truck. She suffered two broken legs and multiple fractures, required several months in the hospital, several surgeries and lengthy rehabilitation to walk again. She received a $1,850,000 settlement from the defendant’s insurance company.
      • A plaintiff was rear-ended by a semi-truck and required fusion of neck vertebrae. He received a settlement of $350,000.
      • A plaintiff was in a collision with a tractor trailer and required surgery for a shoulder injury. He received a settlement of $275,000.
      • A semi-truck struck a plaintiff due to a defective part. The plaintiff was severely injured and had a leg amputated. He received a settlement of $3,750,000.

      Get the compensation you deserve.



      Jon Boat Accessories – The Run Down! Jon Boat Accessories #boat #accidents


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      Jon Boat Accessories The Run Down!

      You might be surprised to discover how many accessories are made specifically for Jon Boats.

      Some accessories are functional like the addition of a motor. and some like improved seats will vastly improve comfort.

      And then there s everything in between like covers. carts. paint. flooring and a plethora of modifications to get your Jon Boat just how you d like it.

      You ll find it all on this website!

      14ft Jon Boat with mods

      Jon Boat Seats

      Many standard Jon Boats do not come with padded seats. They can be rather uncomfortable when sitting in them for hours at a time when duck hunting or fishing.

      You can check out our page on Jon Boat Seats for some great options.

      In order to make your boat more comfortable, you will also need some type of pedestal or seat mounts.

      There are quite a few pedestals and seat mounts to choose from and one that is highly recommended is the Lowe Seat Mount .

      The Lowe Seat Mount is available in five different sizes to accommodate any standard Jon Boat seat. The mount simply slides down over the bench seat and is screwed into both sides securing it in place.

      This mount is 3 inches higher than the standard bench seat and when mounted properly will not pull out. One thing to note; your swivel seat must be affixed before the mount is attached.

      You can find the Lowe Seat Mount and a number of Jon Boat Accessories on the A.K Maccallum Website .

      Oars Motor

      Unless you plan on motorizing your craft, oars are a necessity. One thing about Jon Boats is that they are very light and easy to push with an appropriate motor .

      The standard Jon Boat only needs about 45 to 55 lbs of thrust. However, when you are calculating the necessary thrust, you need to take into account the weight of passengers. Generally, a 1000 lb boat which includes 4 passengers, can be powered with 50 lbs of thrust delivered by a 12-volt electric motor.

      Minn Kota makes an excellent line of electric motors that can easily power any Jon Boat. A good electric motors can generally cost anywhere from $300 to $600 depending on thrust and features.

      Outboard motors can be much more expensive, but if you re fishing bigger lakes and flooded rivers you ll certainly need the extra power they bring.

      Boat Covers

      If you motorize your craft, it is a good idea to buy a cover for your motor to prevent it from being damaged when transporting.

      You can buy a padded cover for around $50 to $75 dollars. You can also buy a cover to encapsulate your whole boat and engine.

      These covers are generally made of polyester and have straps for easy tie-down. And, when you take the cover off you can pack it in its storage bag which usually accompanies a Jon Boat cover.

      Cooler / Livewell

      Many people like to have a livewell or cooler in their Jon Boat. In order to save space for tackle boxes or gear, oftentimes, the choice is made to accessorize the boat with a combination seat and cooler.

      Moeller makes a nice flip flop seat that can be flipped up quickly to serve as a cooler.

      If you have ample space in your Jon Boat, a Yeti cooler is a great addition, as they are made tough to endure the elements found in the outdoors.

      Paint Primer

      Today, if you prefer to have a camouflaged Jon Boat, you can purchase one that is already painted to your liking, or you can buy a standard Jon Boat and then paint it yourself.

      In order to paint an aluminum boat, you need to primer it first and then apply the colors.

      Parker Coatings sells an excellent primer called Duck Boat Primer that is available at outdoor stores. Hunter s Specialties sells different color camo paint so that you can paint your boat for any outdoor situation. Many duck hunters choose their Marsh Grass color paint.

      Boat Trailer

      If you do not want to haul your boat in the bed of your truck or on your roof; there are numerous trailer brands for Jon Boats with a wide range in price.

      Aluminum and galvanized aluminum trailers are more expensive than steel. HaulMaster makes a lightweight steel trailer for 12 or 14-foot boats for approximately $400. You can expect to pay more for an aluminum trailer.

      McClain makes an aluminum trailer that retails for around $500. The difference in price may well be worth it because the steel trailer over time will corrode while the aluminum one will not.

      Lights

      If you are a night fisherman or hunt alligators at night, boat lights are highly recommended and in many places are a requirement. It is very important that other watercraft can visibly see you at night to avoid accidents.

      Fortunately, there are plenty of lights to choose from so that your Jon Boat will be visible during dark hours.

      A good choice is the Deluxe Jon Boat Running Light Kit sold by A.K. McCallum in North Carolina USA. A deluxe running light kit consists of two 360 degree lights which are placed at the bow and stern of the Jon Boat, 25 feet of wire so that the lights can be wired together, and a three-way switch to operate the lights.

      What makes these lights so nice is that when you want to store them during the day, they can be taken down while the mounted plugs remain for easy assembly again before dark.

      Anchor

      Every Jon Boat should also have a good anchor. Jon Boats are light and usually do not re quire a heavy anchor. There are the few times though when they re indispensable.

      A good choice is a coated mushroom anchor Depending on how windy or wavy your outdoor conditions are; you can purchase mushroom anchors from 8 lbs all the way up to 20 lbs. And, because these anchors are coated they don t corrode and they last a long time.

      Bilge Pump

      Many years ago, people in Jon Boats would scoop water in the boat with an old coffee can. Today, you can purchase high-quality bilge pumps to do the job for you.

      In wavy conditions or sometimes when you tip the boat a little, water will get inside. The right bilge pump can quickly pump the water out for you.

      Other Jon Boat Accessories

      There are many accessories that you can add to make your boating experience better in a wide range of weather conditions.

      Rod holders, aerators for the livewell, carpet for the floor, repair kits, and cleats to hold the anchor or for docking purposes are all great accessories to add to any boat.