How to get proof of no claims discount, MoneySupermarket, no claims discount rules.#No #claims #discount #rules


How to get proof of your no claims discount

No claims discount rules

by Mark Hooson

Online and tech expert

Tuesday 11 Jul 2017

Save money on your car insurance

Orignally published March 14th 2016

When switching insurers you’ll need to provide your new insurer with proof you’ve built up as many years worth of no claims discount as you say you have – and it’s not always as straightforward as you might think.

So here’s how to get proof of your no claims discount.

What is no claims discount (NCD)?

For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims discount (NCD) that will give you a reduction on the price of your policy.

Also known as no claims bonus (NCB), these discounts are accumulated each year – the more years you drive without making a claim, the greater the reduction in the cost of your car insurance.

A word of warning though, both the discount offered and the maximum number of years’ worth of NCD you can accrue varies from insurer to insurer, so be aware of this when switching.

How long is proof of no claims valid for?

Proof of no claims is usually only valid for two years, which means if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll be back to zero NCD the next time you take out cover.

How to get proof of no claims discount (NCD)

At MoneySuperMarket, we recommend drivers not to renew automatically every year with the same firm but to check whether it’s worth switching provider. This is usually the case, as insurers tend to reserve their best prices for new customers rather than existing ones.

As and when you do make the switch your new insurer to ask for proof of no claims discount. The problem is, you’ll most likely have to get that proof from your last insurer, and each company handles this process differently.

One company might include your proof of no claims in your renewal or cancellation letter, another might send a specific proof of no claims discount letter, while a third company might only send proof if you request it.

We rang around a number of insurers to get find out how you’re meant to get hold of your proof of NCD and whether any of them send the proof out automatically. Here’s what they had to say.

What to do when you have your proof of NCD

Once you’ve got your proof of no claims discount in hand – whether that’s a letter, in an email or a PDF – there are stringent rules about getting it to your new insurer which, if broken, can leave you out of pocket or worse, uninsured.

To make sure you’re not caught out, here’s a look at some of the things to watch out for when you change car insurance providers and have to provide proof of no claims discount.

  1. Your annual renewal letter may serve as proof of no claims discount, so hang on to it. Saga, Santander and HSBC, to name but a few, say their renewal letters should suffice as proof.
  2. Not all insurers will automatically send you proof of no claims discount. Check our table to see if yours does, and what you need to do if they don’t.
  3. There is usually a time limit on getting your proof of no claims discount to the new insurer. This tends to range from around 7 to 21 days.
  4. If you don’t provide proof of no claims within the time limit, your new policy could be cancelled, leaving you uninsured, or your premiums could be increased as if you didn’t have a no claims discount.
  5. Some insurers will not accept a photocopy of your proof of no claims discount letter, and will ask that you send the original. If this is the case, be sure to make a photocopy for yourself.
  6. Most insurers only recognise no claims discount up to a certain point. For example, the greatest discount HSBC and M S will recognise is nine years. Insurers also have different maximum percentages, usually 70% or 75%.
  7. Your new insurer may contact your old insurer to get the proof of no claims discount itself, but it will tell you if it intends to do so.
  8. It’s also worth a follow-up call if you’ve not heard anything a week after you’ve sent the proof of no claims discount. The insurer should send you some kind of letter or email to confirm receipt, but don’t assume they’ve received it because you could be driving around uninsured.

How an NCD mishap can leave you without insurance

As a real-life example of how easy it is to get tripped up by all of this, MoneySuperMarket employee Hannah Jones found herself unwittingly driving around without any car insurance after sending off proof of her no claims discount.

Hannah switched to Sheila’s Wheels and was told to send proof of no claims discount within 14 days, which she did.

To Hannah’s surprise, she received a letter from Sheila’s Wheels saying the policy had been cancelled because they hadn’t received the proof. This was two weeks after it was sent, and the letter was backdated by a week.

Making matters worse, when Hannah called Sheila’s Wheels to explain it had already been sent, she was told that they would contact her previous insurer and that they didn’t really need the paperwork!

Though Hannah was able to explains matters and correct the situation, at first she faced a cancellation fee and higher premiums if she still wanted insurance with the company.

Clearly, even if you receive and send your proof of no claims discount, things could still go wrong, so it’s worth checking if you’ve heard nothing back.

And if you’ve built up a number of years’ worth of no claims discount it’s worth considering protecting it so you can still take advantage of the annual reduction even if you’ve made a claim.

What is no claims discount (NCD) protection?

NCD protection allows you to have a set number of ‘at fault’ accidents each year without affecting the discount. This means your NCD remains intact even if your insurer can’t claim their costs back.

And while this won’t necessarily stop the cost of cover increasing after a claim – insurers use your claims history to calculate premiums, with the discount factored in at the end – it should still mean the annual cost is lower than if you’d not protected your NCD.

You can take your car insurance no claims discount with you when you switch insurers. The discount might not be the same, but the new firm should honour your claims history. You can also transfer your NCD to another vehicle, perhaps if you buy a new car.

Using this MoneySuperMarket tool, you can find out how the leading car insurance providers approach the subject.

How many no-claims discount years will my new insurer honour?

Work out how many of the years you’ve built up will be recognised



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Which Car insurance companies accept No claims Discount proof from abroad-EU, no claims discount rules.#No #claims #discount #rules


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  • FIRST POST

No claims discount rules

No claims discount rules

    Does anyone know which company will accept it ?

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      • #2
      • 16th Jul 08, 1:48 PM
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      • 16th Jul 08, 1:48 PM

      I think Saga do (if you are over 50)

      I’m confident that Groupama would

      I’m pretty sure that a Lloyds Underwriter, such as Chaucer, would too.

      Users saying Thanks (1)

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        • 22nd Jul 10, 3:22 PM
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            • 22nd Jul 10, 3:44 PM
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          • No claims discount explained, no claims discount rules.#No #claims #discount #rules


            No claims discount explained

            No claims discount rules

            by Kevin Pratt

            Consumer affairs expert

            Thursday 28 May 2015

            Save money on your car insurance

            The no-claims discount you get on your car insurance is a reward for safe driving – and can cut the cost of your car insurance by as much as 75% with most insurers. So it’s good to know that you can take your discount with you when you switch insurers.

            How many no-claims discount years will my new insurer honour?

            Work out how many of the years you’ve built up will be recognised

            Pick your insurer

            Sorry! Please pick an insurer.

            Maximum number of

            With most insurers, the size of discount you can achieve increases until you have built up five NCD years, at which point the maximum discount percentage is achieved. Despite this, some companies continue to recognise if you go further years without making a claim – but they don’t increase the size of your discount (or at least not by much).

            However, it can still be helpful. If your insurance company recognises up to, say, nine years of claims-free driving and you have an accident, you might lose two years and drop back to seven. As that’s still higher than five, making a claim would not jeopardise your discount.

            Other companies will always drop you back to three years after an accident, regardless of your number of years claims-free.

            Maximum No Claims

            The amount of discount earned increases with each year of claim-free driving.

            So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years.

            Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.

            Does it have an

            Accelerated Bonus Scheme?

            Some insurance companies offer drivers with no NCD an accelerated bonus scheme, which awards a year’s NCD after 10 months claims-free driving.

            After 10 months, you can either renew with the same firm, or move to another firm with the one-year bonus intact.

            Save money on your car insurance

            Car insurance is a hefty expense, but there’s a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn’t pay!

            Get a car insurance quote

            Understand your no claims discount

            Here’s how it works. Most insurers offer a premium discount for every year without a claim, usually up to a maximum of five years. For example, you might earn a 30% discount on next year’s premium, if you do not make a claim in the previous year. Drivers who can boast five consecutive claim-free years can expect a discount of as much as 75% – or even more in some cases. The size of the discount, sometimes called a bonus, varies from insurer to insurer. Companies also calculate the discount in different ways. A number of firms even allow the discount to build up over 10 years or offer an ‘accelerated’ discount or bonus, where the discount applies after 10 months instead of 12.

            Making a claim

            It’s worth finding out what would happen to your discount if you put in a claim as you won’t necessarily forfeit the full amount. For example, if you have built up a discount over five years and make a claim in year six, you might lose only two years of discount. So, when you come to renew your car insurance, you would benefit from a three-year bonus. Remember that your insurance premium can still go up at renewal even if you don’t make any claims. That’s because the driver’s claims history is only one element in the premium calculation. Insurers also take into account factors such as your address and mileage, when they quote for cover. That’s why it’s always important to shop around when you renew, to make sure you’re getting the most competitive price for the cover you want.

            Discount portability

            If this has happened to you, or you have any questions about no claims discounts, drop us a line in the box below.

            Named drivers

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            No claims discount explained, no claims discount rules.#No #claims #discount #rules


            No claims discount explained

            No claims discount rules

            by Kevin Pratt

            Consumer affairs expert

            Thursday 28 May 2015

            Save money on your car insurance

            The no-claims discount you get on your car insurance is a reward for safe driving – and can cut the cost of your car insurance by as much as 75% with most insurers. So it’s good to know that you can take your discount with you when you switch insurers.

            How many no-claims discount years will my new insurer honour?

            Work out how many of the years you’ve built up will be recognised

            Pick your insurer

            Sorry! Please pick an insurer.

            Maximum number of

            With most insurers, the size of discount you can achieve increases until you have built up five NCD years, at which point the maximum discount percentage is achieved. Despite this, some companies continue to recognise if you go further years without making a claim – but they don’t increase the size of your discount (or at least not by much).

            However, it can still be helpful. If your insurance company recognises up to, say, nine years of claims-free driving and you have an accident, you might lose two years and drop back to seven. As that’s still higher than five, making a claim would not jeopardise your discount.

            Other companies will always drop you back to three years after an accident, regardless of your number of years claims-free.

            Maximum No Claims

            The amount of discount earned increases with each year of claim-free driving.

            So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years.

            Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.

            Does it have an

            Accelerated Bonus Scheme?

            Some insurance companies offer drivers with no NCD an accelerated bonus scheme, which awards a year’s NCD after 10 months claims-free driving.

            After 10 months, you can either renew with the same firm, or move to another firm with the one-year bonus intact.

            Save money on your car insurance

            Car insurance is a hefty expense, but there’s a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn’t pay!

            Get a car insurance quote

            Understand your no claims discount

            Here’s how it works. Most insurers offer a premium discount for every year without a claim, usually up to a maximum of five years. For example, you might earn a 30% discount on next year’s premium, if you do not make a claim in the previous year. Drivers who can boast five consecutive claim-free years can expect a discount of as much as 75% – or even more in some cases. The size of the discount, sometimes called a bonus, varies from insurer to insurer. Companies also calculate the discount in different ways. A number of firms even allow the discount to build up over 10 years or offer an ‘accelerated’ discount or bonus, where the discount applies after 10 months instead of 12.

            Making a claim

            It’s worth finding out what would happen to your discount if you put in a claim as you won’t necessarily forfeit the full amount. For example, if you have built up a discount over five years and make a claim in year six, you might lose only two years of discount. So, when you come to renew your car insurance, you would benefit from a three-year bonus. Remember that your insurance premium can still go up at renewal even if you don’t make any claims. That’s because the driver’s claims history is only one element in the premium calculation. Insurers also take into account factors such as your address and mileage, when they quote for cover. That’s why it’s always important to shop around when you renew, to make sure you’re getting the most competitive price for the cover you want.

            Discount portability

            If this has happened to you, or you have any questions about no claims discounts, drop us a line in the box below.

            Named drivers

            Did you enjoy that? Why not share this article



            A crash course in bizarre no-claims discount rules on car insurance, no claims discount rules.#No #claims #discount #rules


            A crash course in bizarre no-claims discount rules on car insurance

            No claims discount rules

            No claims discount rules

            8:01AM BST 11 Jun 2014

            One day last September, Charlene Green was driving down a motorway near Manchester when she was involved in an accident.

            A driver in front hit the brakes and Ms Green’s white Audi A3 went into the back of the car. No one was hurt but the damage cost Ms Green, 28, a £400 excess fee while her insurer, Churchill, covered the remaining costs.

            But when Ms Green’s insurance came up for renewal in November, she discovered that the accident had also ruined a no-claims discount she had built up over eight years.

            If a driver does not make a claim on their motor insurance, they can build up a discount that can reduce their annual premium by as much as 80pc. Figures from Moneysupermarket.com comparing four insurance policies show an average drop of £150 over five years.

            Most claims on an insurance policy knock two years off this discount, but typically insurers consider only the past five years in the event of a claim.

            Related Articles

            In Ms Green’s case, this meant her no-claims discount (NCD) was cut from eight years to three. A customer driving without a claim for 15 years could see 12 years knocked off their record after one crash.

            “I was renewing with Churchill every year and my premium was steadily going down,” said Ms Green, who is a nurse and preferred not to be photographed for this piece. It has now risen by nearly £10 a month.

            A spokesman for Churchill said: “Churchill offers an 80pc discount as an introductory offer for new customers who have eight years’ or more NCD, and continue to reward up to nine years’ NCD for existing customers who remain claim-free.

            “However, unless a customer has protected their NCD, if they make a claim and they have over five years’ NCD this will be reduced to three years’ NCD after a first claim.”

            Angela Pilley of the financial research company Defaqto said: “Insurers have a maximum level of no-claims discount that they consider, which they classify as a ‘step back’ period.”

            She said policies should include details of the no-claims discount and how it is calculated, but the terms vary among insurers.

            “It is a very difficult subject because every insurance company applies different levels [of discount] in terms of the percentage discount they offer customers, how you protect your no-claims discount, and the number of incidents it covers,” she said. “It varies across the board so widely that each individual has to know their own circumstances and read the policy wording.”

            The Telegraph approached a number of leading insurers to compare their no-claims policies (see table below). Swiftcover, LV= and Aviva disclosed their maximum level of discount available, ranging from 65pc to 79.5pc.

            In terms of how the no-claims discount is cut following a claim, the industry standard is to deduct two years for each claim. However, since in most cases only five years are considered, typically customers will have a maximum of three years’ no-claims discount taken into account after one claim.

            Allianz will honour the two-year reduction based on the total number of claim-free years, up to a maximum of eight years. Swiftcover offers customers a maximum of four years’ no-claims discount at renewal after one claim, for drivers with a clean insurance record of six years or more, while LV= puts customers with nine years’ no-claims discount back to four years, and customers with eight years or less back to three.

            It gets more complicated when a driver considers paying extra to protect their no-claims discount. This add-on allows drivers to claim a certain number of times but still maintain the discount on their premium.

            Insurers differ in how they calculate the cost of this protection, and how many claims it will cover. LV= said its customers typically paid between 5pc and 15pc of their car insurance premium to protect their no-claims discount, but other insurers simply said the figure would vary.

            According to Moneysupermarket, customers who do not protect their no-claims bonus could see their premiums rise by 30pc in the event of a claim. However, drivers who protect their discount but don’t make a claim for a number of years could see their savings eroded.

            Kevin Pratt, an insurance expert at Moneysupermarket, said: “It’s crucial for motorists to understand the costs involved with premiums. Additional fees for protecting a no-claims discount entirely depend on your personal circumstances and motoring history, as well as the provider.”

            If drivers are considering NCD protection, the advice is to shop around. It is important to compare quotes with and without the extra cover and to read the small print.

            Mr Pratt said: “Finally, motorists should remember it is the discount they are paying to protect, not the premium amount. So if you do make a claim, it is likely that premiums will rise as a result anyway.”

            No claims discount rulesHonest John

            I have never received a satisfactory explanation from insurers why, after a claim, a policyholder with a “protected no-claims discount” still finds his or her premium going up by considerably more than the normal annual increase.

            A reasonable man would think that if he paid extra for his insurance policy’s “no-claims discount” to be protected, then he would not see his premium increased considerably after a claim, whether the claim was his “fault” or not.

            I’ve been offered the argument that the claim makes the policyholder a statistically greater risk, so his premium rises considerably as a result, and his “protected no-claims discount” then brings it back to a smaller increase. But that still makes no sense to me. A “protected no-claims discount” should be what it says on the paperwork.

            Because car insurance in Britain is compulsory, it’s crawling with crooks and unnecessary complications, few of which make any sense other than to provide income for the leeches that feed off them. The UK motor insurance business should be torn up and reformed along the lines of other countries where cars are insured rather than drivers. Then ridiculous situations such as visitors not being able to get insurance to drive their hosts’ cars would not arise.

            Honest John is the Telegraph’s cars expert

            lt;noframes gt;Datatable: How no claims discount policies compare lt;/noframes gt;



            FHA Streamline Refinance Requirements #fha #loan #refinance #rules


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            FHA Streamline Refinance Program: Info and FAQs

            FHA Streamline Refinance Program: Info and FAQs

            In this article:

            What Is an FHA Streamline Refinance?

            The FHA Streamline Refinance program is a special refinance program for people who have a Federal Housing Administration (FHA) loan. It is the simplest and easiest way to refinance an FHA loan. Unlike a traditional refinance an FHA Streamline Refinance allows a borrower to refinance without having to verify their income and assets.

            An appraisal might not be required either depending on how much you have paid on your original loan balance. One of the most advantageous aspects of this program is that it allows for an unlimited loan-to-value ratio. Therefore, if you are severely underwater you still may be able to take advantage of record low mortgage rates by refinancing with an FHA streamline .

            Criteria for Qualifying

            • You have to live in the house you are refinancing.
            • You can’t have made more than two, 30-day late payments on your FHA mortgage in the past 12 months.
            • You have not completed an FHA Streamline Refinance in the past 6 months.
            • FHA does not have a minimum credit score required for a streamline refinance, but your lender might. Generally it’s best if you have a score of 620 or above.

            See today’s refinance rates on Zillow

            FHA Streamline With Appraisal

            The advantage of doing an FHA Streamline Refinance with an appraisal is that you are able to roll your closing costs into the loan. You are only required to have an appraisal if your new loan amount exceeds your original loan amount by 1.5 percent.

            FHA Streamline Without Appraisal

            If you do an FHA Streamline Refinance without an appraisal you are not able to roll your closing costs into the loan. Hence, you will need to be prepared to pay your closing costs out of pocket or talk to your lender about whether they can cover your closing costs in exchange for paying a higher interest rate.

            Shop for FHA Streamline Quotes

            We encourage you to shop around for the most competitive mortgage rates and fees for an FHA Streamline Refinance. Make sure to check with your current servicer and Zillow. the only comparison shopping site for FHA Streamline Refinance loans for underwater borrowers.

            Underwater Mortgage: Which Refinancing Program are You Eligible for?



            Cancel Speeding Ticket, Beat Parking Ticket, Cancel Traffic Ticket #speeding #ticket, #parking #ticket, #traffic #ticket, #speed #camera, #fight #speeding #ticket, #fight #parking #ticket, #fight #traffic #ticket, #beat #speeding #ticket, #beat #parking #ticket, #beat #traffic #ticket, #cancel #speeding #ticket, #cancel #parking #ticket, #cancel #traffic #ticket, #uk #driving #secrets, #speeding #tickets, #traffic #tickets, #parking #tickets, #driving #secrets, #going #to #court, #traffic #loopholes, #legal #loopholes, #uk #traffice #rules, #traffice #police, #driving #rules #in #uk, #traffic #police, #dodge #traffic #rules, #legal #loopholes #traffic #rules, #overcome #traffic #rules


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            DISCOVER THE SECRET DRIVING LOOPHOLES
            THE POLICE DO *NOT* WANT YOU TO KNOW!

            How would YOU like to discover LITTLE-KNOWN secrets for BEATING SPEEDING TICKETS.
            . CANCELLING parking fines. and winning against the traffic police in the COURTS?

            There ARE secrets. And I’d like to share them ALL with you — RIGHT HERE .

            Please note: this is a completely legal guide to help you use the law to your advantage. Nothing within the guide is illegal, or could be used to criminal advantage.

            Every single day the UK Government fine THOUSANDS upon THOUSANDS of drivers for minor driving offences.
            Go just a few miles above the limit on an empty motorway. and you could be facing a massive THREE POINTS on your license and a HEFTY FINE .

            After twelve points, you’re BANNED .

            Or, if you’ve been driving under two years, it’s just six points before you’re off the road.

            IS THIS MAKING THE ROADS SAFER? Not in the slightest. In the period from 1997 to 2000, revenue from motorist fines went from 13 million to over 25 million. Yet road accidents during that period INCREASED. not decreased.

            Instead of helping keep the roads safe, the Police Force are using motorists to increase funding and provide better year-end statistics. Who do you think is easier to arrest. a professional burglar, or the innocent motorway driver accidentally driving a few miles above the limit?

            Whether you choose to believe it or not. It’s what happens. And if you don’t care about it now, you can be sure that at some point in the near future you’ll wish you had. Think about it.

            What would YOU do right now if your license was REVOKED?
            How would you SURVIVE.

            It’s more than just inconvenient. The impact is enormous. You’d lose your job (or, at best, revert to the horrors of public transport). You’d lose your social life. You’d lose income and local integrity. You could lose SO MUCH.

            And it could all happen just by being caught ONCE going 90 MPH on an empty motorway!

            Are you ANGRY. YOU SHOULD BE! The whole system is a shambles, and you need to protect yourself.

            Now, thanks to a UK driving loopholes expert with over 20 years of experience, you can do EXACTLY that.

            NEW 2017 DRIVING GUIDE
            UNVEILS HUGE DRIVING LAW LOOPHOLES!

            Most drivers pay little attention to the law.

            They’ve heard you can go 10% above the speed limit without getting fined, yet are sketchy on the detail. “Somebody else” said that curling back your tongue when taking a breathalyzer test helped lower the result. “Another person” said that if you simply said nothing. they’d let you off with a warning.

            Do you ENJOY building your life on PURE HEARSAY.

            Our brand new UK Driving Secrets guide (now fully updated for 2017!) was written by a UK motoring law expert with over 20 years of experience. He knows the business better than anyone. He’s at the cutting-edge of motoring law — and in this NEW, SHOCKINGLY BLUNT guide, he shares secrets that will TOTALLY redefine your understanding of what the Police can actually do.

            For example, do you know about the one single test that police absolutely MUST conduct every time they stop a person for speeding? And do you know that if the Police don’t conduct this test, and you point it out later, you’ll be IMMEDIATELY let off the hook.

            How about the one thing you absolutely must NOT say when stopped? Break this little rule, and ALL is lost.

            Yes, there ARE secrets to beating your speeding ticket. And you’re given EVERY SINGLE ONE of them.

            In fact, the guide has an ENTIRE CHAPTER devoted to speeding tickets. You’ll discover how to use the law to your maximum advantage. And you WON’T be disappointed.

            We also cover practically every other area of driving, where LITTLE-KNOWN TRICKS are practically BEGGING to be revealed. For example, you’ll learn the following PARKING TICKET secrets:

            DISCOVER EXACTLY WHY YOU SHOULD

            TELL THE POLICE: SEE YOU IN COURT!

            BUT THAT’S NOT ALL. THERE ARE OTHER
            SECRETS YOU ABSOLUTELY MUST KNOW !

            BUY BEFORE MIDNIGHT FRIDAY
            . AND GET THE GUIDE FOR JUST 27.95!

            Under request of the author, we are only producing 450 unique copies of the UK Driving Secrets 2017 guide. EVER!

            This serves two purposes. Firstly, it helps restrict this secret knowledge to the elite few that decide to purchase. Secondly, by keeping the reader base small and exclusive, it helps prevent the “discovery” of such loopholes, and thereby stops any changes in the law.

            UPDATE: We currently expect to sell ALL of our guides by the end of June, and would like to thank all of our previous customers for bringing us this far!

            In celebration of this fact, we are now reducing the last bundle of the
            UK Driving Secrets 2017 guide from 39.95
            . down to just �27.95!

            That’s a saving of OVER 12, if you purchase before MIDNIGHT, FRIDAY!

            Interested? Want to be one of the EXCLUSIVE FEW that know EXACTLY how to control the driving system? If you’re looking for the most amazing, most legal loopholes around — you will absolutely love the UK Driving Secrets 2017 guide.

            Ready to purchase? Your guide will be delivered instantly via download. Just click to begin.

            The UK Driving Secrets 2017 guide is made available as a download.
            You will be sent a link via e-mail immediately after your purchase.

            We accept Visa, Mastercard, Delta, Switch, Solo, and other cards. You’ll also be given the option
            to phone in your order, or pay by cheque. VAT will be added at 15%.

            Alternatively, if you’d prefer to pay via PayPal, simply click the button:

            Still unsure? Whether you decide to purchase the UK Driving Secrets 2017 guide is totally up to you. It’s your decision. However you might be interested to learn that under our 100% refund guarantee, your purchase is ABSOLUTELY RISK-FREE!

            Here’s our GUARANTEE: If our guide doesn’t provide details on EVERY SINGLE loophole claim made on this page, just let us know and we’ll provide you with a complete and utter refund.

            No surcharges or extra fees. And absolutely NO small print.
            You can feel TOTALLY SAFE with our 100% consumer guarantee.

            We know you will be truly ecstatic with the UK Driving Secrets 2017 guide. And with our guarantee, you can try it out totally risk-free. The deal simply doesn’t get any better.

            So, again, if you’re interested — TAKE THIS FINAL CHANCE to get in on the act right now, for our special price of just 27.95:

            Got questions? You might wish to read our list of Frequently Asked Questions. or you can contact us direct via our dedicated support site at myHelpHub.com.

            I hope you decide to join us on this “mini-revolution.” I’m sure you’ll enjoy the ride.

            Thank you for your time,

            PS. You CANNOT buy the UK Driving Secrets 2017 guide in the shops. It’s absolutely EXCLUSIVE to this Web site. Do NOT fall for cheap eBay imitations full of useless information stolen straight from Wikipedia. If you want the ABSOLUTE *TRUE* SECRETS, then you MUST buy this guide. Click HERE!

            PPS. REMEMBER, this is the absolute BEST TIME to buy the guide. Not ONLY are we running the discount from �39.95 down to just �27.95, but you’re also hitting our site as we’re approaching our limit of 450 copies. This guide WILL be removed. So learn the SECRETS while you still can. Click HERE!

            PPPS. NOT going to BOTHER? You’re going to wait until you’re CAUGHT? Some of my friends told me they’d be interested in this information AFTER they were caught. BIG MISTAKE. You need to know EXACTLY what to do if you’re pulled over. NOW! After you’ve BEEN pulled over, it’s too late. We’ll tell you exactly what to say to the police officer. and how to follow it up, to ensure you NEVER get a ticket or a fine! Click HERE to learn more .



            Home Equity to Consolidate Debts #home #equity #canada, #debt #consolidation #advice, #refinance #home, #second #mortgage #rates, #increase #mortgage, #mortgage #rules, #sell #your #house, #pay #off #debts, #borrowing #against #equity, #mortgage #calculator, #high #interest #loans, #debt #consolidation #companies


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            You are here

            Home Equity to Consolidate Debts – Refinance Your Home or Get a Second Mortgage

            What does using home equity to consolidate your debts mean? Essentially it is using the equity in your home / refinancing your home to consolidate your debts into one payment in order to pay off your debts.

            A “Home Equity Loan”, “Home Equity Line”,”refinancing your mortgage / re-mortgage” and getting a “second mortgage” are all different names for the same thing and are sometimes used as a debt consolidation option. These terms refer to the bank lending you money against the portion of your home that you own. So if the bank thinks that your home is worth $300,000 and your mortgage is for $250,000, then you own $50,000 of your house. This is called your “equity”.

            Increasing your mortgage is something that the bank may let you do, by taking out a second mortgage to use up some of this equity to pay off your debts. (Check out our handy mortgage and debt consolidation calculator ). You would then have two mortgages: your first mortgage and a second mortgage which could be the debt consolidation home loan . If this is something you’re interested in doing, speak with your bank or credit union to find out how it works, to get information about the mortgage rules in Canada and if this option could work for you. Sometimes if you have bad credit. it might be difficult to get a debt consolidation loan. so using home equity could be another possibility. Check with a Credit Counsellor to make sure that you choose the right option.

            Selling Your House to Pay Off Debt – Talk to a Credit Counsellor About Consolidating Debts

            You could also sell your house to pay off debts. though this should be a last resort and pertain to your situation, e.g. down-sizing in retirement. There are things to know before using your home equity line. so to choose the best way / option that fits your situation, especially if you’re retired and your income has changed, talk to a trusted, accredited non-profit Credit Counsellor.

            Interest Rates for Second Mortgages – Can Be Higher Than First, Talk to Your Bank About Using Your Home Equity

            Sometimes you can get the same interest rate on your second mortgage as you got on your first mortgage, but this isn’t always possible (talk to your lender to find out more). If you do have to pay a higher interest rate on your second mortgage, you can set up the due date / term to correspond with the due date / term for your first mortgage. This will allow you to combine them at the bank’s best interest rate when they need to be renewed.

            Re-mortgaging may also be an option that your lender can explain to you. It may allow you to keep a low interest rate, only have one mortgage payment and still give you funds to pay off other debts.

            History of Mortgage Rates in Canada – Declining Since 1980’s

            Ever since the early 1980’s mortgage rates have been declining in Canada. They peaked at over 20% at that time but are now typically offered in the 3% – 6% range. It is wise to remain mindful of the fact that we are currently living with historically low interest rates. This means that we cannot count on them to stay this low forever. The average five year mortgage rate over the past 60 years has been 8.95%. So if you are considering refinancing your home, make sure you can afford an “average” interest rate of 9% in the long term.

            Finance Companies and Sub Prime Lenders or Loan Companies Offering Mortgages – Higher Interest Rates than Banks

            Finance companies and sub-prime lenders also offer mortgages. Their interest rates will almost always be higher than the bank’s and can often range between 14% – 30%. These rates are a lot higher because these companies tend to lend money / cash to people in financial situations that involve more risk than banks usually want to take on.

            High interest loans like these can be used as a tool to get you from point A to point B, but you should do your best to find a better arrangement as fast as possible. It is very hard to get ahead paying really high interest rates.

            Advantages of Using a Second Mortgage to Consolidate Debt

            1. The interest rates are typically low
            2. Flexible payment arrangements. You can usually extend your amortization (the length of time required to pay back the loan) to create an ideal monthly payment

            Disadvantages of a Second Mortgage

            1. You must have enough equity in your home as well as income to make both mortgage payments
            2. You may be charged a number of fees for the costs involved in setting up a second mortgage
            3. Banks often don’t like to do small second mortgages. $10,000 may be the minimum that they will consider

            Contact Us for More Information About How to a Use Home Equity Line to Consolidate Debts

            We can give you information on how to use home equity to consolidate debts / pay off debts. Contact us by phone at 1-888-527-8999, send us an email or chat with us online right now. One of our Credit Counsellors will be happy to offer you debt consolidation advice . Our appointments are free, confidential and informative. You may have other options that are better for your situation, so before you increase your mortgage, take out a second one (at a higher interest rate) or apply for a home equity loan. give us a call.



            Copies of Bankruptcy Documents #chapter #7 #bankruptcy,chapter #13 #bankruptcy,bankruptcy #court, #illinois, #bankruptcy #rules


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            Copies of Bankruptcy Documents

            Copies of bankruptcy documents can be obtained in a variety of ways depending on when the case was filed and/or closed.

            Beginning with 1998 cases and forward, copies of bankruptcy and adversary case documents are available through our electronic case filing system (ECF). Case documents can be viewed and printed from your computer. To access the information, you must have a PACER account. If you do not have a PACER account/password you can register for one on-line by clicking here http://pacer.psc.uscourts.gov/ No fee is owed until you accrue more that $10 of PACER usage in a quarterly billing cycle.

            Once you have established an account and have your password you can access your case information in CM/ECF.

            For copies of documents in older bankruptcy records (pre- 1998) for which there is no electronic record, only paper. you may obtain copies by contacting the Federal Records Center (FRC). You can either go to FRC, or you can request copies by mail.
            Please click on the link below for more information.

            You will need the following case information before contacting the FRC. To obtain this information for cases filed and closed in the Northern District of Illinois, Eastern Division (Chicago) please call 312-408-5000, Western Division (Rockford) 815- 987- 4350. Without this information the FRC will not be able to locate the case files you request.

            FRC Accession Number
            FRC Location Number
            Box Number
            Case File Number
            Case File Name

            Please call our customer service number at 312-408-5000 if you need further assistance.



            Car Donation Charity IRS Tax Rules Fair Market Deduction #car #donation #rules, #donate #a #car #donations #irs #4303 #kars #help #4 #kids #causes #religious #organization


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            Car Donation and IRS Tax Information

            A charity car donation is a fantastic way to get a deduction on your taxes. We have taken the time to do some research for you to help you determine the value of your car donation, boat, RV, truck, airplane or other vehicle.

            Nearly every car donation / vehicle donation to charity is tax deductible.
            The IRS allows you to deduct for your charitable donation, an actual fair market value of your car donation or vehicle donation. There are rules that apply to this process however. Publication 4303
            Please call us with questions regarding your vehicle donation. We are able to give you an unbiased, 3rd-party recommendation based on our knowledge of the advantages associated with car donations.

            How Much Can I Claim as a Tax Deduction?
            Rules for claiming a tax deduction for donations of cars, boats, and airplanes valued over $500 limit the allowable amount of such deductions to the gross proceeds received by the charitable organization from the sale of the donated vehicle. When you donate car with Online Car Donation you are still able to receive the full Fair Market Value tax-deduction if we provide your vehicle to a family in need.

            Which Vehicles actually end up going to disadvantaged Families?
            Regrettably the vast majority of the car donations we receive are not eligible to be gifted to underprivileged individuals. Online Car Donation bases our decisions on various factors such as, vehicle age, make and model, mileage, where the vehicle is located, condition, cost of repairs and the needs of the families. Placing a vehicle with a donee family is the exception rather than the rule, donors should assume that their vehicle donation will be auctioned and in some cases sent to a salvage yard with the earnings returned to Online Car Donation. (We of course will notify you in writing if your vehicle has been gifted to a disadvantaged individual or other charitable organization ). Any chance we get to place a vehicle though, we go the extra mile to make sure it happens.

            How Much is my Vehicle Worth?
            Appraisal guide values are available to help you determine the anticipated market value of your car donation or vehicle donation. Find out how much your Vehicle is worth – Used Car Value

            Vehicle Donations can Enjoy a Fair Market Value Tax Deduction

            Questions? Comments?
            Need Help? Contact Us!
            Call (888)-228-7320 Toll Free
            Live Operators 7 Days a week!
            Free Car Towing Nationwide!



            Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


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            Uncontested Divorce Program

            Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

            An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

            You can use this program if:

            • You and the person you want to divorce are over 18 years of age,
            • You and the person you want to divorce have no “children” under 21 years of age ,
            • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
            • All marital property issues, including debt, have been settled.

            Information Checklist

            You will need the following information with you when you use this program:

            • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
            • A copy of your marriage certificate.
            • If you have any of the following: Settlement Agreement, Order of Protection, etc.
            • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

            Download and print the checklist of information you will need to complete this program.

            Start

            Note: You will be taken to our partner website called LawHelp Interactive.

            You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

            About DIY Forms

            Who Can Use These Programs?
            You can use DIY Forms if:

            • you’re a court user and you don’t have a lawyer;
            • you’re a legal services provider;
            • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
            • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

            Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

            Computer Requirements
            In order to use DIY Form programs, make sure you have the following:

            Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

            Help Using DIY Forms
            See Frequently Asked Questions for help using DIY Form programs.

            Related Information:



            Georgia Workers Compensation – minimum and maximum payrolls, laws, rules, subrogation, statutes, state contacts and detailed policy information #georgia,state,workers #compensation,laws,information,policy,regulation,resource,waivers,subrogation,sole #proprietors,private #insurance,self #insured,assigned #risk,exceptions,partnership,llc,corporation,contractors,regulated #by,state #statute,rules,policy #information


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            Georgia Workers Compensation Laws

            Updated: 01-10-2017

            Authority/State Rating Bureau: NCCI

            National Council on Compensation Insurance (NCCI)
            901 Peninsula Corporate Circle
            Boca Raton, FL 33487-1362
            800-622-4123

            Compulsory: Yes

            Private Insurance: Allowed

            Self-Insurance: Allowed

            State Fund: None

            Assigned Risk: The Georgia Workers’ Compensation Assigned Risk Plan is administered by the National Council on Compensation Insurance (NCCI). Their toll-free telephone number is 1-800-622-4123.

            Numerical Exceptions: 3 employees

            Individual Waivers Allowed: Yes

            Small Deductible Program:

            • Allowed: Yes – It is mandatory that insurance carriers make available
            • Deductible Range: $100 – $2,500
            • Type: Medical and Indemnity
            • Effect on Experience Rating: Net
            • Available In: Voluntary and Residual Market
            • For More Information About How Deductible Programs Work

            Sole Proprietor: Excluded from coverage/may elect to be included / A partner or sole proprietor is not an employee of the business unless he/she wishes to be included as an employee in the coverage provided and so advises his or her insurance company on Form WC-10. If included the rating payroll used is $42,800 per year 3-1-11, $43,900 as of 3-1-12, $45,600 as of 3-1-13, $47,000 as of 3-1-2014, $47,500 as of 3-1-2015. $50,200 as of 3-1-2017.

            Partners: See sole proprietor / Excluded from coverage/may elect to be included. If included the rating payroll used is $42,800 per year 3-1-11, $43,900 as of 3-1-12, $45,600 as of 3-1-13, $47,000 as of 3-1-2014, $47,500 as of 3-1-2015. $50,200 as of 3-1-2017.

            Corporate Officers: Included in coverage/may elect to be exempt – Corporate officers and limited liability company members are considered employees of the company. Any officer or member of a limited liability company (maximum of 5) may exempt themselves from coverage by filing a Form WC-10 with their insurance company. The exemptions shall not decrease the number of employees for purposes of determining the employer’s obligations under the Workers’ Compensation Act. If included the minimum rating payroll used is $800 and the maximum payroll used is $3,300 per week as of 3-1-11, $850 / $3,400 as of 3-1-12, $900 / $3,500 as of 3-1-13, $900 / $3,600 as of 3-1-2014, $900 / $3,700 as of 3-1-2015. $950 / $3,900 as of 3-1-2017.

            LLC Members: See corporate officers. If included the minimum rating payroll used is $800 and the maximum payroll used is $3,300 per week as of 3-1-11, $850 / $3,400 as of 3-1-12, $900 / $3,500 as of 3-1-13, $900 / $3,600 as of 3-1-2014, $900 / $3,700 as of 3-1-2015. $950 / $3,900 as of 3-1-2017.

            A Note About Forms: Be sure to check with your insurance company for any additional forms they may use for exclusion or inclusion of coverage.

            Contractors: A contractor who sublets any part of his or her contract work to a subcontractor may be liable for coverage for the employees of the subcontractor if the subcontractor has not obtained workers’ compensation insurance coverage.

            Special Notes: Every employer, individual, firm, association, or corporation, regularly employing three or more persons, part-time or full-time, shall provide workers’ compensation insurance coverage. Exempted officers of corporations or exempted members of limited liability companies shall not reduce the number of employees for this purpose. “Employee” or “worker” shall include every person, including minors, working full-time or part-time under a contract of hire, written or implied.

            Experience Rating Eligibility: Employers in Georgia will receive an experience modification rate or EMR when they meet one of these triggers:

            • $10,000 in policy premium is generated during the last year or last two years.
            • $5,000 is the average policy premium generated for more than two years.

            Georgia Workers Compensation Subrogation: Subrogation for Georgia Workers Comp is found in the Georgia State Statute 34-9-11.1. The Georgia Statutes are available on a searchable data base. We cannot provide a direct link. This code is found under Title 34 Labor and Industrial Relations, Chapter 9 Workers Compensation Section 11.1. Use the below link to navigate to the searchable data base, search for 34-9-11.1 and you will find this statute and be able to view it online.

            Georgia Workers While In Other States; Other States Workers While In Georgia, Extraterritorial, Reciprocity and Non-Compliance: When a Georgia worker is working temporarily in another state, workers compensation coverage for that worker is governed by the extraterritorial provisions found in Georgia statutes. When allowed, extraterritorial provisions allow benefits for an injured worker to apply as if the worker was in their primary state. Not all states provide Extraterritorial Provisions. Reciprocity governs coverage for a worker from another state who is working temporarily in Georgia. Special rules may apply during catastrophic situations where workers from other states come into Georgia to help with repairs and cleanup. Compliance of workers compensation laws varies from state to state and it is important for an employer with workers performing duties in other states to be aware of the specific state rules that govern their coverage. We’ve provided the below general information about extraterritorial and reciprocity as a basic guide. Please contact your state authority with your specific questions concerning this topic!

            • Extraterritorial:
              • Provisions: Yes – refer to Statute 34.9.242
              • Duration: Not Specific
            • Reciprocity:
              • Allowed: Yes but there are exceptions – refer to Statute 34.9.121,b,1
            • Specific Statute: Statute Look Up Use this link to navigate to the state statute look up. It’s not the most friendly so here’s the wording that applies for these statutes. Please be sure to check with the state for any changes or updates to these.
              • Georgia 34.9.242: “Compensation for injury outside of state: In the event an accident occurs while the employee is employed elsewhere than in this state, which accident would entitle him or his dependents to compensation if it had occurred in this state, the employee or his dependents shall be entitled to compensation if the contract of employment was made in this state and if the employer’s place of business or the residence of the employee is in this state unless the contract of employment was expressly for service exclusively outside of this state. If an employee shall receive compensation or damages under the laws of any other state, nothing contained in this Code section shall be construed so as to permit a total compensation for the same injury greater than is provided for in this chapter.”
              • Georgia 34.9.121,b,1: (b) (1) Any employer from another state engaged in the construction industry within this state with a workers’ compensation insurance policy issued under the laws of such other state so as to cover that employer’s employees while in this state shall be in compliance with subsection (a) of this Code section if: (A) Such other state recognizes the extraterritorial provisions of Code Section 34-9-242; and (B) Such other state recognizes and gives effect within such state to workers’ compensation policies issued to employers of this state.”
            • For More Information Contact: Georgia Board of Workers Compensation 404-657-1391.

            Regulated By:

            Georgia Insurance Commissioner 2 Martin Luther King Jr. Drive SE 716 West Tower Atlanta, GA 30334 404-656-2070 800-656-2298 Insurance Commissioner – Department of Insurance

            Georgia State Board of Workers’ Compensation 270 Peachtree Street, NW Atlanta, Georgia 30303-1299 800-533-0682 http://sbwc.georgia.gov/portal/site/SBWC/

            Workers Compensation Statute:

            Didn’t find what you’re looking for? Search here for more about Georgia rules:

            Information on this page is provided only as a reference. While we strive to mantain accurate information on this site please realize workers compensation laws are complicated and subject to change at any time. No warranty as to the accuracy or completeness of this information is provided or to be implied. You must verify this data before use with the individual governing authority for this state. If you need help with a workers compensation problem or have a specific situation or question please contact our office. Otherwise please consult your states governing authority or an attorney in your state of residency for assistance.

            Copyright 2008-2017 Workers Comp Consultants, Inc. All rights reserved.



            RULES OF EVIDENCE #what #are #the #rules #of #evidence


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            RULES OF EVIDENCE

            Pursuant to the authority conferred by Part II, Article 73-a of the New Hampshire Constitution, the Supreme Court of New Hampshire amends the Rules of Evidence as provided below. The rules were first adopted by the New Hampshire Supreme Court on January 18, 1985, effective July 1, 1985 and were modeled on the Federal Rules of Evidence. Because the Federal Rules of Evidence have been amended several times since 1985, the New Hampshire Supreme Court asked a Committee chaired by the Honorable David A. Garfunkel and Professor John B. Garvey to undertake a review of the New Hampshire Rules of Evidence to determine whether any changes should be made.

            In an August 3, 2015 report to the Court, the New Hampshire Rules of Evidence Update Committee ( NHRE Update Committee ) made a number of recommendations to amend the rules after considering whether changes that have been made to the Federal Rules of Evidence since 1985 should also be made to the New Hampshire Rules of Evidence. The Court referred the report to the New Hampshire Supreme Court Advisory Committee on Rules in early 2016. The Advisory Committee on Rules held a public hearing on the rules on June 3, 2016 and made a number of changes to the rules based on the comments it received at the public hearing.

            Many of the changes recommended by the NHRE Update Committee and the Advisory Committee on Rules and which the Court has adopted are stylistic and are designed to ensure, where appropriate, that the language of the New Hampshire Rule is identical to the language of the federal rule. The NHRE Update Committee and the Advisory Committee on Rules did recommend some substantive changes to the rules. A 2016 NHRE Update Committee Note following the relevant rule indicates whether a substantive change has been made to the rule, and, if so, why. The Reporter s Notes that were included when the New Hampshire Rules of Evidence were adopted in 1985 have not been updated.

            Where the rule amendments are stylistic only, they are not intended to change existing case law that has developed under the rule. In interpreting the rules, New Hampshire case law has primacy over federal case law.

            ARTICLE I. GENERAL PROVISIONS

            Rule 100. Adoption and Effective Date; Effect Upon Common Law.

            Rule 102. Purpose and Construction.

            Rule 103. Rulings On Evidence.

            Rule 104. Preliminary Questions.

            Rule 105. Limited Admissibility.

            Rule 106. Remainder of or Related Writings or Recorded Statements.


            ARTICLE II. JUDICIAL NOTICE



            23 Years of Herpes Lawsuits – Do You Have to Tell You Have Herpes and When? #genital #herpes,herpes #celebrities,herpes #dating,herpes #laws,herpes #lawsuit,herpes #litigation,herpes #moral #issues,herpes #relationships,herpes #rules,herpes #telling,oral #herpes,std #laws,herpes #legal


            23 Years of Herpes Lawsuits Do You Have to Tell You Have Herpes and When?

            You CAN be sued for not telling someone you had herpes. 23 years of herpes lawsuits proves this.

            Starting in 1987, Let’s Look Over 23 Years of Herpes Lawsuits

            In 1987 Tony Bennett made headlines when he was ordered by the courts to undergo medical tests to determine if he could have given a woman genital herpes. Bennett said he didn’t have herpes and that his doctors report confirmed this. Her lawsuit was for $95 million and he, naturally, was counter suing for $100 million.

            I can find many references to the filing of this case, and none to how it was eventfully settled .

            Also in 1987, this was making headlines:

            The decision upheld the right of Jane Maharam, 56, to sue her former husband Robert, 56, on her claim that he had herpes and did not tell her. The court found that such partners have a legal duty to inform each other about their venereal diseases.

            1992 was another big year in herpes lawsuits:

            One of the big news items was that a 1986 lawsuit filed again the actor/comedian Robin Williams was finally settled. That’s 6 years later after the herpes lawsuit was filed! The case was settled out of court for an “undisclosed sum.”

            The 1992 article in The New York Times, “Pillow Talk ” brings up much that is still hotly being debated today:

            1. Mr. Williams s lawyer, argued in court papers that a person who doesn t ask and doesn t insist on prophylactics should assume the risks.

            2. So, legal experts have begun to ask whether the responsibility for taking precautions should be shared. Everybody should be on notice that unprotected sex creates risks of all sorts, and you shouldn t rely totally on the good-faith disclosure of a partner, said Catherine O Neill of the Legal Action Center.

            3. He also noted that judges have not come right out and described what they would consider a legally acceptable way to break the bad news to a lover. They haven t exactly spelled out a kind of Miranda warning for these cases, Mr. Rabin said.

            4. In herpes litigation, the claims against partners have ranged from those who sinned by omission, keeping mum about their status, to those who, when asked if they had a sexually transmitted disease, lied. In a 1984 opinion in a herpes case, a California appellate court acknowledged that while rulings on bedroom behavior infringed the right to privacy, public-health-policy concerns loomed larger. Courts have decided that if someone is infected, aware of it and sexually active, that person has a duty to inform a partner, who by extension, has a right to know.

            2004 Herpes Lawsuits

            In 2004 it was alleged NOT that Liza Minnelli had actually given David Gest herpes, but that Liza Minnelli had not told him that she had herpes until months after they had been married. Essentially, what was put forth was that this would make the prenuptial agreement invalid as the agreement would have been based on fraud… not all the information was given to Gest when signing the prenup.

            2006 Herpes Lawsuit

            Michael Vick, the football player who was later went to jail for dog-fighting and animal cruelty, settled a lawsuit filed by a woman who said he knowingly gave her herpes. The name “Ron Mexico” became infamous as that was the fake name Vick is reported to have used when seeking treatment for herpes.

            2007 Herpes Lawsuit

            In Los Angeles CA, Elizabeth Mazzocchi filed a herpes lawsuit against NYPD Blue actor Esai Morales. Once again, you only can find reference to the announcement of the lawsuit, and no reference to its outcome .

            2009 Herpes Lawsuit

            A woman was awarded $7 million in a suit filed by a 56 year old woman who was infected with herpes by a 77 year old man. Interesting here is the woman said she was denied health insurance after getting infected with herpes. The77 year old man said he would appeal.

            2010 Herpes Lawsuit

            A woman from Chicago filed a herpes lawsuit seeking $50,000 against her husband. The 1987 Tony Bennett lawsuit was for $95 million. Now, lawyers will take cases for $50,000. It seems it’s getting easier and easier to sue for herpes.

            Where there is blood in the water, you are sure to find sharks. Lawyers seem to be more actively chasing the herpes ambulance.

            WHAT DOES THE FUTURE HOLD FOR HERPES LAWSUITS?

            MORE HERPES QUESTIONS THAT LAWSUITS MAY DECIDE:
            • Is there a double standard for oral herpes and genital herpes? Is this fair?

            • Should people have to disclose that they have oral herpes before kissing another person?

            • Can you be sued for having HSV-1 (usually oral herpes) and having oral sex, and not telling the other person?

            • If you give a person HSV-1 through oral sex can you be sued?

            • Can you be sued for KISSING another person and giving them HSV-1 oral herpes?

            • Do you have to tell that you have genital herpes if you practice safe sex and it’s a one night stand?

            • If you are participating in RISKY BEHAVIOR, does that mean you assume the risk? (Could a prostitute sue someone for giving her herpes?)

            • Do porn stars have a right to know if the person they are working with has herpes?

            • Must you tell the truth of your STD status if the other person asks? In other words, “Is LYING the same as simply not telling?”

            • Is the responsibility of discussing herpes and other STDs a one way street? Is only a person who knows they have or have had an STD required to bring it up?

            • Is a person who has unprotected sex with lots of people required to be truthful about this when asked? After all, it’s the risky behavior that makes a STD more likely. People that get tested are simply being responsible. Must the responsible people bear all the responsibility simply because they got tested?

            • Does a person have a LEGAL responsibility to know their STD status? If a person is having unprotected sex with multiple partners, shouldn’t they know that they may be passing on STDs to other people, even if they haven’t received an official test? A reasonable person would know this.

            • Is a person who has a STD but fails to get tested still legally responsible for giving the other person their STD? (The ignorance is bliss excuse is an excuse…)

            • Is HSV-1 a sexually transmitted disease?

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