Indian Residential Schools Class Action Settlement-Settlement Agreement, claim settlement.#Claim #settlement


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Claim settlement

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Important Notice: The Common Experience Payment (CEP) application deadline has passed. Late applications were accepted until September 19, 2012 in cases of disability, undue hardship and exceptional circumstances, and needed to include a written reason for the delay in application.

For general information on the Common Experience Payment, call 1-866-640-9992 on the CEP webpage of the IRS Official Court Website.

Important IAP Application Information: The Independent Assessment Process (IAP) application deadline has passed. September 19th, 2012 was the deadline to submit an application to the IAP. An exception to this deadline was made for applications for Mistassini Hostels. The deadline for Mistassini Hostels was September 2, 2013 but because September 2 fell on a holiday, the Indian Residential Schools Adjudication Secretariat accepted applications postmarked on or before September 3, 2013.

We encourage you to call the IAP Info Line for more information at 1-877-635-2648

Click below to view and/or download a Common Experience Payment (CEP) Claim Form.

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If you have questions click here or call 1-866-879-4913.

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Farnham v, claim settlement.#Claim #settlement


Farnham v. Caribou Coffee Company

Kristie Farnham v. Caribou Coffee Company, Inc.

Case No. 3:16-CV-00295-WMC (W.D. Wisc.)

Submit a Claim – Claim Instructions

If you received one or more text messages sent by or on behalf of Caribou Coffee Company, Inc., at a cellular telephone number between May 5, 2012, and July 28, 2017, you may be eligible for a payment. The only way to receive a payment is to file a claim. All Claim Forms must be sumitted online or postmarked no later than November 13, 2017.

No matter which method you choose to file your Claim Form, please read the Claim Form carefully and provide all the information required. Only ONE Claim Form per Settlement Class Member may be submitted.

How To File Online

After clicking the button below, you will be asked to provide your contact information, affected phone number, and cell phone carrier. It must be completed and submitted no later than 11:59 p.m. CST on November 13, 2017.

Please click the button below to get started.

How To File Via Email

Please download a copy of the Claim Form here, read the Claim Form carefully, and provide all the information required. Then send it to [email protected]

It must be completed and submitted no later than 11:59 p.m. CST on November 13, 2017.

How To File Via Mail

If you received a Claim Form in the mail with a postcard summary of the Notice, simply complete, sign, and mail the form. The postage is prepaid, and there is no need for a stamp. Otherwise you may download a copy of the Claim Form here.

All Claim Forms submitted by mail must be postmarked on or before November 13, 2017, and sent to the Settlement Administrator at the following address:

Caribou Coffee Settlement Administrator

Portland, OR 97208-3076

Important Dates

  • May 5, 2012 to July 28, 2017

Deadline to Exclude yourself from the Settlement

  • October 13, 2017

    Deadline to Object to the Settlement

  • November 13, 2017

    Online Claim Filing Deadline

  • November 13, 2017

    Postmarked Claim Filing Deadline

  • November 20, 2017



  • Client Settlement Site > Claim Form, claim settlement.#Claim #settlement


    claim settlement

    Claim settlement Claim settlement Claim settlement

    ENGINE MISFIRE

    ELIGIBILITY AND INSTRUCTIONS

    You are a member of the Settlement Class if you are a resident of the United States, and you currently own or lease, or previously owned or leased, one of the following vehicles equipped with a 6-cylinder engine with Variable Cylinder Management (“VCM-2”):

    • 2008-2012 Honda Accord;
    • 2008-2013 Honda Odyssey;
    • 2009-2013 Honda Pilot;
    • 2010-2011 Honda Accord Crosstour; or
    • 2012 Honda Crosstour

    You are not in the Settlement Class if you work for American Honda Motor Co., Inc. or one of its affiliated companies. Further information for employees will be provided on Hondaweb. Eligible Settlement Class Members are entitled to a warranty extension for repairs related to Engine Misfire. Eligible Settlement Class Members also may be entitled to reimbursement for Out-of-Pocket Expenses previously paid for repairs relating to Engine Misfire. To learn more about the benefits available under the proposed settlement, please consult the Class Notice.

    Download a paper Claim Form to submit via mail here

    If you are seeking reimbursement for Out-of-Pocket Expenses, you must submit a Claim Form postmarked on or before April 28, 2016. Download a Claim Form here. Send your completed Claim Form to:

    Soto Class Action Settlement – Omitted Owner Group

    Torrance, CA 90509

    If you timely request exclusion from the Settlement Class and submit a Claim Form, you are thereby electing to again become a member of the Settlement Class, your request for exclusion will be disregarded, your claim will be processed, and you will be considered a member of the Settlement Class.



    Personal Injury Law: The Basics, personal injury settlement.#Personal #injury #settlement


    Personal Injury Law: The Basics

    The fact that mishaps are fairly commonplace does not detract from the pain and confusion that can result when an accident or injury happens to you or a loved one. If you decide to take steps toward protecting your legal rights after an accident or injury, you may have a number of general questions about personal injury cases.

    What is a Personal Injury Case?

    Personal injury cases are legal disputes that arise when one person suffers harm from an accident or injury, and someone else might be legally responsible for that harm. A personal injury case can become formalized through civil court proceedings that seek to find others legally at fault through a court judgment or, as is much more common, such disputes may be resolved through informal settlement before any lawsuit is filed:

    • Formal Lawsuit Unlike criminal cases, which are initiated by the government, a formal personal injury case typically starts when a private individual (the plaintiff ) files a civil complaint against another person, business, corporation, or government agency (the defendant ), alleging that they acted carelessly or irresponsibly in connection with an accident or injury that caused harm. This action is known as filing a lawsuit . Our discussion on negligence and proof is especially helpful.
    • Informal Settlement In reality, most disputes over fault for an accident or injury are resolved through informal early settlement, usually among those personally involved in the dispute, their insurers, and attorneys representing both sides. A settlement commonly takes the form of negotiation, followed by a written agreement in which both sides forgo any further action (such as a lawsuit), choosing instead to resolve the matter through payment of an agreeable amount of money.

    (Note: the middle ground between a lawsuit and an informal settlement is alternative dispute resolution procedures like mediation and arbitration.)

    What is a Statute of Limitations?

    Plaintiffs have a limited time in which to file a lawsuit, called a statute of limitations. Generally speaking, the period of time dictated by a statute of limitations begins when the plaintiff is injured or discovers the injury.

    Statutes of limitations are established by state law and often vary by type of injury. For instance, the statute of limitations for injuries to an individual in Texas is two years, but five years for sex crimes and one year for libel or slander. It can vary from state to state. For more details, see FindLaw’s State Statutes of Limitations directory and Time Limits to Bring a Case: The Statute of Limitations.

    Where are the Laws that Govern Personal Injury Cases?

    Unlike other areas of the law that find their rules in statutes (such as penal codes in criminal cases), the development of personal injury law has taken place mostly through court decisions, and in treatises written by legal scholars. Many states have taken steps to summarize the development of personal injury law in written statutes, but for practical purposes court decisions remain the main source of the law in any legal case arising from an accident or injury.

    Free Personal Injury Claim Review

    Any potential personal injury case requires a detailed understanding of the facts, the processes, and the law. If an accident has impacted your life, you will want to consult with an experienced attorney to see if you should pursue a lawsuit. Not sure if you have a case? You can always have an attorney do a free evaluation of your case here.



    Car Accident Lawyer NYC FREE ADVICE New York Personal Injury Attorney NY, personal injury settlement.#Personal #injury #settlement


    NYC Car Accident Lawyer New York Personal Injury Attorney – What Is My Case Worth? Free Advice

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    Personal injury settlement

    New York Personal Injury Lawyers

    Do I Have A Case?

    Call (718) 233-3913 For ADVICE FREE, 24/7.

    If you ve lost someone in a fatal wrongful death accident, the attorneys at our firm will compassionately take care of your legal needs while you grieve. We represents personal injury claims for clients in New York. We go after the at-fault responsible parties insurance company. Speak to an attorney now for free advice: 718-233-3913. Pay nothing, unless we WIN your case.

    1. Obtain the police report
    2. Start the rehabilitation process, let us do the rest.
    3. Speak to no one.
    4. If anyone calls to discuss the accident, tell them these three words, SPEAK TO MY LAWYER .

    Never give recorded statements to an insurance company; consult with an attorney first. Insurance adjusters will use unscrupulous tactics to avoid paying an injury claim. They pressure no-fault-drivers into excepting little to no money for their injuries. Admit NO Guilt! Say NO to Personal Injury Settlement Releases

    Claims Wins W/ Recovery

    Please note claims filed may take 1 -3 years depending on the insurance companies reluctance to pay. That s where our personal injury law firm comes in — WE FIGHT FOR YOUR RIGHTS! As your advocate, your best interest is ours — when you win, we win.

    $4 Million Verdict Single Car Rollover Read more

    New York Personal Injury Lawyers

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    NEW YORK CAR ACCIDENT LAWYER | NEW YORK PERSONAL INJURY ATTORNEY | 24 HOUR FREE ADVICE

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    Claim Settlement, Get Free Legal Forms, claim settlement.#Claim #settlement


    Get Free Legal Forms

    Claim settlement

    Claim Settlement

    Claim settlement

    ____________________, referred to herein as the First Party, and _______________, referred to as the Second Party, agree:

    That the parties have a potential claim dispute.

    In full and complete settlement of any and all claims under the laws of any applicable jurisdiction, First Party shall pay $____________ to Second Party related to or arising from the claim referred to herein. Said settlement shall also include any attorney’s fees or claim/litigation expenses.

    This release shall also inure to the benefit of _____________________.

    This release shall be contingent upon the approval of the ________________. Upon final approval, which shall be defined as an approval for which no further review is possible, payment shall be made. In the event that the settlement is not approved this agreement shall be void and of no effect.

    READ CAREFULLY. THIS IS A FINAL AND BINDING AGREEMENT AND WAIVER OF ALL FUTURE RIGHTS. UPON PAYMENT THE SECOND PARTY WILL HAVE NO FUTURE RIGHTS.

    This is the entire agreement between the parties and may only be varied by a writing executed by the parties.

    This review list is provided to inform you about this document in question and assist you in its preparation. Claim settlements, like releases, are a good idea to get memorialized and signed. This form provides that vehicle to effect that action. Use it if in doubt.

    1. Make multiple copies. Give one to each signatory. Keep one with the transaction file.

    2. Most parties are willing to accept less money immediately after an event than later after brooding over it. This is why insurance companies work hard to get quick settlements. Be so advised yourself to follow their experienced approach to these kinds of matters, if possible in your case.

    Claim settlementPDF Format

    Claim settlementCustomize Document



    Spray Paint Settlement, claim settlement.#Claim #settlement


    Spray Paint Settlement

    Claim settlement

    IN THE CIRCUIT COURT OF COLE COUNTY, MISSOURI

    Daryl White, Jr., v. Rust-Oleum Corporation (Case No. 16AC-CC00533)

    A court authorized this website. This is not a solicitation from a lawyer.

    Rust-Oleum denies any wrongdoing. It contends that the Products were truthfully marketed and labeled.

    The Action contends that the Rust-Oleum 2X spray paint Products were improperly labeled as providing twice the coverage of competing brands. The Action seeks a court order to preclude such marketing and to refund customers a portion of the purchase price.

    This class action Settlement will resolve a lawsuit against Rust-Oleum Corporation (“Rust-Oleum” or “Defendant”). It affects all natural Persons who, between December 12, 2011 and May 30, 2017, purchased, in the United States, for personal use and not for resale, Rust-Oleum 2X spray paint Products, including: Rust-Oleum Painter’s Touch Ultra Cover 2X spray paint, Rust-Oleum Painter’s Touch 2X Ultra Cover spray paint, Rust-Oleum PaintPlus Ultra Cover 2X spray paint, Rust-Oleum American Accents Ultra Cover 2X spray paint, and Rust-Oleum American Accents 2X Ultra Cover spray paint.

    This website concerns a case called Daryl White, Jr. v. Rust-Oleum Corp., Case No. 16AC-CC00533, pending in Cole County Circuit Court, Missouri

    PLEASE DO NOT TELEPHONE THE COURT OR THE COURT CLERK’S OFFICE TO INQUIRE ABOUT THIS SETTLEMENT OR THE CLAIM PROCESS.

    Your legal rights and options:

    Submit a Claim Form: The only way to receive payment from the Settlement is to submit a Claim Form on or before October 16, 2017. The Claim Form can be found here or under “Documents”.

    Opt-Out: You have the right to ask to be excluded (opt-out) from the Settlement. This is the only option that allows you to ever bring or join another lawsuit against Rust-Oleum that raises the same legal claims released by this Settlement. You will receive no payment.

    Object: You have the right to tell the Court you have an objection to the Settlement. You can do this only if you do not exclude (opt-out) .

    Go to The Hearing: You have the right to speak in Court about the Settlement. You can do this only if you do not exclude yourself and if you submit a timely written objection to the Settlement with the Court before the date of the Final Approval Hearing.

    Do Nothing: If you do nothing, you will not receive a settlement payment even if the Court approves the proposed settlement. You will also be giving up your right to individually bring claims against the Defendant regarding the claims and/or potential claims resolved by this Settlement.

    Documents

    Please read for a full explanation of the settlement and your options and all applicable timelines.

    Contact

    Contact us with any inquiries, comments, and/or requests.

    Submit Claim

    Click here to safely and securely submit a Claim Form.



    Client Settlement Site > Claim Form, claim settlement.#Claim #settlement


    claim settlement

    Claim settlement Claim settlement Claim settlement

    ENGINE MISFIRE

    ELIGIBILITY AND INSTRUCTIONS

    You are a member of the Settlement Class if you are a resident of the United States, and you currently own or lease, or previously owned or leased, one of the following vehicles equipped with a 6-cylinder engine with Variable Cylinder Management (“VCM-2”):

    • 2008-2012 Honda Accord;
    • 2008-2013 Honda Odyssey;
    • 2009-2013 Honda Pilot;
    • 2010-2011 Honda Accord Crosstour; or
    • 2012 Honda Crosstour

    You are not in the Settlement Class if you work for American Honda Motor Co., Inc. or one of its affiliated companies. Further information for employees will be provided on Hondaweb. Eligible Settlement Class Members are entitled to a warranty extension for repairs related to Engine Misfire. Eligible Settlement Class Members also may be entitled to reimbursement for Out-of-Pocket Expenses previously paid for repairs relating to Engine Misfire. To learn more about the benefits available under the proposed settlement, please consult the Class Notice.

    Download a paper Claim Form to submit via mail here

    If you are seeking reimbursement for Out-of-Pocket Expenses, you must submit a Claim Form postmarked on or before April 28, 2016. Download a Claim Form here. Send your completed Claim Form to:

    Soto Class Action Settlement – Omitted Owner Group

    Torrance, CA 90509

    If you timely request exclusion from the Settlement Class and submit a Claim Form, you are thereby electing to again become a member of the Settlement Class, your request for exclusion will be disregarded, your claim will be processed, and you will be considered a member of the Settlement Class.



    Personal Injury Law: The Basics, personal injury settlement.#Personal #injury #settlement


    Personal Injury Law: The Basics

    The fact that mishaps are fairly commonplace does not detract from the pain and confusion that can result when an accident or injury happens to you or a loved one. If you decide to take steps toward protecting your legal rights after an accident or injury, you may have a number of general questions about personal injury cases.

    What is a Personal Injury Case?

    Personal injury cases are legal disputes that arise when one person suffers harm from an accident or injury, and someone else might be legally responsible for that harm. A personal injury case can become formalized through civil court proceedings that seek to find others legally at fault through a court judgment or, as is much more common, such disputes may be resolved through informal settlement before any lawsuit is filed:

    • Formal Lawsuit Unlike criminal cases, which are initiated by the government, a formal personal injury case typically starts when a private individual (the plaintiff ) files a civil complaint against another person, business, corporation, or government agency (the defendant ), alleging that they acted carelessly or irresponsibly in connection with an accident or injury that caused harm. This action is known as filing a lawsuit . Our discussion on negligence and proof is especially helpful.
    • Informal Settlement In reality, most disputes over fault for an accident or injury are resolved through informal early settlement, usually among those personally involved in the dispute, their insurers, and attorneys representing both sides. A settlement commonly takes the form of negotiation, followed by a written agreement in which both sides forgo any further action (such as a lawsuit), choosing instead to resolve the matter through payment of an agreeable amount of money.

    (Note: the middle ground between a lawsuit and an informal settlement is alternative dispute resolution procedures like mediation and arbitration.)

    What is a Statute of Limitations?

    Plaintiffs have a limited time in which to file a lawsuit, called a statute of limitations. Generally speaking, the period of time dictated by a statute of limitations begins when the plaintiff is injured or discovers the injury.

    Statutes of limitations are established by state law and often vary by type of injury. For instance, the statute of limitations for injuries to an individual in Texas is two years, but five years for sex crimes and one year for libel or slander. It can vary from state to state. For more details, see FindLaw’s State Statutes of Limitations directory and Time Limits to Bring a Case: The Statute of Limitations.

    Where are the Laws that Govern Personal Injury Cases?

    Unlike other areas of the law that find their rules in statutes (such as penal codes in criminal cases), the development of personal injury law has taken place mostly through court decisions, and in treatises written by legal scholars. Many states have taken steps to summarize the development of personal injury law in written statutes, but for practical purposes court decisions remain the main source of the law in any legal case arising from an accident or injury.

    Free Personal Injury Claim Review

    Any potential personal injury case requires a detailed understanding of the facts, the processes, and the law. If an accident has impacted your life, you will want to consult with an experienced attorney to see if you should pursue a lawsuit. Not sure if you have a case? You can always have an attorney do a free evaluation of your case here.



    Pre-trial Settlement Percentage: Statistics on Personal Injury Settlements, personal injury settlement.#Personal #injury #settlement


    Pre-trial Settlement Percentage: Statistics on Personal Injury Settlements

    Four percent to five percent of the personal injury cases in the United States go to trial. 95 percent to 96 percent of personal injury cases are settled pretrial. Several researchers and experts quote these numbers like gospel. The source of these statistics is the US Government, so gospel it is. Another statistic that many experts also quoted is that 90 percent of the cases that do go to trial end up losing. As for the cases that go to trial, those that win do better when the case is in front of a trial judge rather that a jury. The trial judge seems to pay off at a higher rate and for more money. Interesting statistic this is.

    One reason for so many cases being settled seemed to be the length of time that it takes for the lawyers to begin haggling settlement amounts. Most of the people who experienced a settlement arrived at it because of the time lag, being very impatient. Apparently this is where television and Hollywood have done humanity in the United States a great disservice. These venues have apparently given the US population that negotiations occur rather quickly and trial soon ensues with the plaintive winning the big bucks. Well, the bubble burst and sad tidings came out. Several lawyers and experts lay out the activities involved in the execution of a personal injury case. It is actually the same as in a criminal case but the resources used are those of the attorney offices involved. These offices do not usually have three or four detectives to do interviews and investigations; typically they have one who is assigned to the case specifically because that investigator is often contracted for the case.

    The injuries, the accident itself, any witnesses, circumstances surrounding the accident are all aspects of the case that need to be investigated. This is a phase of the case that is known as “discovery”. Part of discovery is the taking of dispositions where out-of-court, yet under oath interviews are done. This all takes time and experts state that this area could take up to six months at a minimum to accomplish. While this is going on, the injured party’s lawyer is calculating what the money settlement might be if it was won by trial. From that estimate, the lawyer subtracts out all of the cost that would occur while waiting for the case to go to trial and the cost of having the trial, including work time lost and such. On the injuries themselves, it often takes some time for the full extent of the injuries to be revealed. Rushing to a settlement number and to trial and getting a settlement and finding out that one’s injuries are much worse that thought becomes a “too bad, no recourse” situation. Patience with the process, trusting one’s lawyer is very important. Perhaps a willingness to enter into arbitration with an appointed arbitrator would be a good move. The negotiation process itself is time consuming. From there, the back and forth is in play until both sides agree or end negotiations and decide to go to trial. At this point at least two years … or more have passed.



    Farnham v, claim settlement.#Claim #settlement


    Farnham v. Caribou Coffee Company

    Kristie Farnham v. Caribou Coffee Company, Inc.

    Case No. 3:16-CV-00295-WMC (W.D. Wisc.)

    Submit a Claim – Claim Instructions

    If you received one or more text messages sent by or on behalf of Caribou Coffee Company, Inc., at a cellular telephone number between May 5, 2012, and July 28, 2017, you may be eligible for a payment. The only way to receive a payment is to file a claim. All Claim Forms must be sumitted online or postmarked no later than November 13, 2017.

    No matter which method you choose to file your Claim Form, please read the Claim Form carefully and provide all the information required. Only ONE Claim Form per Settlement Class Member may be submitted.

    How To File Online

    After clicking the button below, you will be asked to provide your contact information, affected phone number, and cell phone carrier. It must be completed and submitted no later than 11:59 p.m. CST on November 13, 2017.

    Please click the button below to get started.

    How To File Via Email

    Please download a copy of the Claim Form here, read the Claim Form carefully, and provide all the information required. Then send it to [email protected]

    It must be completed and submitted no later than 11:59 p.m. CST on November 13, 2017.

    How To File Via Mail

    If you received a Claim Form in the mail with a postcard summary of the Notice, simply complete, sign, and mail the form. The postage is prepaid, and there is no need for a stamp. Otherwise you may download a copy of the Claim Form here.

    All Claim Forms submitted by mail must be postmarked on or before November 13, 2017, and sent to the Settlement Administrator at the following address:

    Caribou Coffee Settlement Administrator

    Portland, OR 97208-3076

    Important Dates

    • May 5, 2012 to July 28, 2017

    Deadline to Exclude yourself from the Settlement

  • October 13, 2017

    Deadline to Object to the Settlement

  • November 13, 2017

    Online Claim Filing Deadline

  • November 13, 2017

    Postmarked Claim Filing Deadline

  • November 20, 2017



  • Calculating Your Personal Injury Settlement – Injury Claim Calculator, claim settlement.#Claim #settlement


    Calculating Your Personal Injury Settlement

    Suffering a personal injury can have devastating, long-lasting effects. Recovering from physical pain is only the tip of the iceberg. Rehabilitation, loss of wages from missed work, loss of personal property, disruption of your daily life, stress and worry all weigh heavily on victims. It is the magnitude of the sum total of all of these factors that must be considered when attempting to quantify the amount of personal injury compensation.

    Note: Use of this form and this website is meant for informational purposes only and should not be considered legal advice. Speak with a lawyer to obtain more information about your potential claim.

    Special Damages – Bills and Financial Costs

    While every case is different, courts and insurance companies both must use some sort of equation to determine how much a personal injury claim payout should be. In order to find the right number, they must gather a straight-forward, objective list of all expenses incurred from the injury first, then add in the more subjective factors to arrive at the final compensation amount.

    The first part of the equation is simple. A sum total of every provable financial expense that was a direct result of the accident or injury is calculated. This number usually includes, but is not limited to:

    • Medical Bills
    • Damaged or Lost Property
    • Cost of Medication
    • Hospital Stay
    • Rehabilitation
    • Lost Wages
    • Cost of Medical Equipment
    • Expenses Paid Out of Pocket

    Once these items are added together, that gives you a starting dollar amount. These items are the first half of your overall Damages. Some courts refer to these quantifiable dollar amounts as Economic Damages, Medical Special Damages or even just “Specials.” This number is straight-forward and easy to prove.

    General Damages – Pain and Suffering

    The other half of the equation is harder to pinpoint because it more difficult to assign a dollar amount to emotional turmoil and pain and suffering. The term General Damages encompasses all of the more subjective suffering as a result of your injury. These General Damages can include:

    • Emotional Turmoil
    • Physical Pain
    • Stress
    • Disruption of Daily Lifestyle
    • Loss of Enjoyment
    • Loss of Consortium
    • Recklessness or Gross Negligence (for injuries resulting from another party)

    General Damages Multiplier

    Because these General Damages cannot be calculated using bills to create a sum total, insurance companies and courts turn these General Damages into a Multiplier for their compensation formula.

    The Multiplier can vary anywhere from 1.5 to 5, depending on the extent of the General Damages. The worse the General Damages were for the victim to endure, the higher the Multiplier number will be, which results in a higher overall payout.

    Compensation Formula

    The Compensation Formula generally looks like this:

    $Special Damages x General Damages Multiplier (1.5-5) = $Total Compensation Paid

    Sample Case

    If Susan suffered a car accident where the provable sum total of her expenses equaled $12,000, that means that her Special Damages number is $12,000.

    If Susan suffered nightmares about the accident, plus the emotional distress over driving again, plus she missed out on a possible work opportunity, and her injuries prevented her from enjoying her relationship with her spouse and family, that may earn her a General Damages Multiplier of 2.5.

    Susan’s Compensation Formula would be:

    Special Damages x General Damages Multiplier = Total Compensation Paid

    $12,000 x 2.5 = $30,000

    Each Case Is Different

    It is important to note that every case is different and many insurance companies will not want you to know that they are using a formula like this one to calculate your payout. It could work to your benefit to have this information, but not share it so the other party will not know if you value your own multiplier as less than they would.

    Your best bet is to hire a Personal Injury Lawyer who can help you gather the information you need to accurately calculate and argue for your highest compensation payout.

    By State

    Injury Claim Information:

    Claim settlement

    Types of Personal Injury Compensation

    In personal injury claims, there are varying types of compensation that are divided into specific categories. Insurance companies often use personal injury calculators to determine how much of each Continue Reading.

    Claim settlement

    General Damages Multiplier Pain and Suffering

    How Much Am I Owed? When you are fighting for compensation after a personal injury, one of the first things you and your lawyer will need to do is to calculate the amount of money you are owed by Continue Reading.



    The – Right – Medical Treatment Increases the Settlement Value of an Injury Claim, claim settlement.#Claim #settlement


    The Right Medical Treatment Increases the Settlement Value of an Injury Claim

    A key component of most injury cases is “medical special damages,” which just means the amount you have spent on medical bills while having your injuries diagnosed and treated. Medical specials are part of the injury damages formula that adjusters use to figure out your total damages. The formula depends on a number of key factors, including the type of medical treatment you receive, and the kind of medical providers from whom you receive that treatment.

    According to insurance adjusters, not all medical services are created equal. Both the nature and the duration of a medical service can affect how insurance companies perceive it, as can the type of medical person or facility providing the service.

    Let’s take a closer look at some of the variables.

    Treatment versus diagnosis. Before you can be treated for an injury, medical personnel have to diagnose it. In many cases, the diagnostic process is relatively quick, and the charge for it amounts to a small part of your medical bills, as compared with the cost of treatment. In such cases, insurance companies do not usually bother to make any distinction between diagnosis and treatment. They lump all your medical bills together into one medical specials amount.

    Sometimes, though, doctors will put a person through many tests and examinations, simply trying to diagnose what is wrong, and running up large medical bills in the process. If most of the medical bills are for diagnosis only, and the injury winds up requiring little treatment, an insurance adjuster might not view the total medical specials as accurately reflecting the injured person’s pain and suffering. Consequently, the adjuster might use a lower multiplier (see The Multiplier For Injury Claim Valuation) for those medical bills in arriving at the appropriate range of damages.

    M.D.s and hospitals versus non-M.D.s. One of the insurance industry’s strong prejudices is in favor of mainstream Western treatment by physicians, hospitals, and medical clinics — and against physical therapy, chiropractic, acupuncture, and other nonmainstream medicine. Any medical bill you have incurred at the hands or machines of a medical doctor, hospital, or medical clinic, no matter how outrageously expensive, will be considered legitimate by almost any insurance adjuster and will usually be given a high multiplier in the damages formula. Treatments by non­physician medical providers are often equally effective and much less costly, but insurance adjusters tend to apply lower multipliers.

    Physical therapy. For example, in accidental injury claims, physical therapy is a common treatment, yet it is generally considered to be lower in the pecking order than other kinds of medical treatment. If you receive a few weeks of physical therapy prescribed and administered by your doctor’s office, an insurance adjuster may lump it in with other medical specials. But if you have physical therapy for months and the therapy accounts for the largest part of your medical bills by far, the insurance adjuster is likely to use a lower multiplier when fitting your medical specials into the damages formula.

    Also, where you receive physical therapy may affect how the insurance company views it. If your doctor prescribes physical therapy but you receive the actual treatment outside the doctor’s office and beyond the doctor’s control, the insurance adjuster might discount the physical therapy bills. That’s because insurance companies believe that when left to their own devices, physical therapists tend to treat patients endlessly. And if you seek physical therapy independently, without it having been recommended or prescribed by your physician, an insurance adjuster is likely to discount it even more.

    Treatments by chiropractors, acupuncturists, acupressurists, herbalists, massage therapists, and other non-physician healers. Unless bestowed with the rare blessing of a doctor’s prescription, other nontraditional treatments are given even less weight than physical therapy. This does not mean that you cannot be reimbursed at all for these treatments by the liable person’s insurance company. But it does mean that the insurance adjuster handling your claim will not count these expenses very highly when deciding how to multiply medical specials within the damages formula. Of course, your primary concern should be to obtain the kind of medical care with which you are most comfortable and that you think will help you most. But you should be aware that if you choose services not provided by a physician, an insurance company is likely to compensate you at a lower rate.

    Duration of Treatment

    Logic says that if an injury receives a long period of medical treatment, the injury requires a long period to heal, and that translates to a high degree of pain and suffering. So, if you undergo a long period of treatment, you can argue to an insurance adjuster that the long treatment was evidence of the seriousness of the injury.

    However, insurance adjusters are suspicious of physical therapists and chiropractors, believing that they often give treatment longer than necessary to keep their money rolling in. So, if you have had a long period of physical therapy or chiropractic treatments, an insurance adjuster is less likely to consider that as good evidence of the seriousness of your injury than if you had received a long period of treatment from a physician or medical clinic.

    This article is excerpted from How to Win Your Personal Injury Claim by Attorney Joseph Matthews (Nolo).



    Client Settlement Site > Claim Form, claim settlement.#Claim #settlement


    claim settlement

    Claim settlement Claim settlement Claim settlement

    ENGINE MISFIRE

    ELIGIBILITY AND INSTRUCTIONS

    You are a member of the Settlement Class if you are a resident of the United States, and you currently own or lease, or previously owned or leased, one of the following vehicles equipped with a 6-cylinder engine with Variable Cylinder Management (“VCM-2”):

    • 2008-2012 Honda Accord;
    • 2008-2013 Honda Odyssey;
    • 2009-2013 Honda Pilot;
    • 2010-2011 Honda Accord Crosstour; or
    • 2012 Honda Crosstour

    You are not in the Settlement Class if you work for American Honda Motor Co., Inc. or one of its affiliated companies. Further information for employees will be provided on Hondaweb. Eligible Settlement Class Members are entitled to a warranty extension for repairs related to Engine Misfire. Eligible Settlement Class Members also may be entitled to reimbursement for Out-of-Pocket Expenses previously paid for repairs relating to Engine Misfire. To learn more about the benefits available under the proposed settlement, please consult the Class Notice.

    Download a paper Claim Form to submit via mail here

    If you are seeking reimbursement for Out-of-Pocket Expenses, you must submit a Claim Form postmarked on or before April 28, 2016. Download a Claim Form here. Send your completed Claim Form to:

    Soto Class Action Settlement – Omitted Owner Group

    Torrance, CA 90509

    If you timely request exclusion from the Settlement Class and submit a Claim Form, you are thereby electing to again become a member of the Settlement Class, your request for exclusion will be disregarded, your claim will be processed, and you will be considered a member of the Settlement Class.



    Personal Injury Law: The Basics, personal injury settlement.#Personal #injury #settlement


    Personal Injury Law: The Basics

    The fact that mishaps are fairly commonplace does not detract from the pain and confusion that can result when an accident or injury happens to you or a loved one. If you decide to take steps toward protecting your legal rights after an accident or injury, you may have a number of general questions about personal injury cases.

    What is a Personal Injury Case?

    Personal injury cases are legal disputes that arise when one person suffers harm from an accident or injury, and someone else might be legally responsible for that harm. A personal injury case can become formalized through civil court proceedings that seek to find others legally at fault through a court judgment or, as is much more common, such disputes may be resolved through informal settlement before any lawsuit is filed:

    • Formal Lawsuit Unlike criminal cases, which are initiated by the government, a formal personal injury case typically starts when a private individual (the plaintiff ) files a civil complaint against another person, business, corporation, or government agency (the defendant ), alleging that they acted carelessly or irresponsibly in connection with an accident or injury that caused harm. This action is known as filing a lawsuit . Our discussion on negligence and proof is especially helpful.
    • Informal Settlement In reality, most disputes over fault for an accident or injury are resolved through informal early settlement, usually among those personally involved in the dispute, their insurers, and attorneys representing both sides. A settlement commonly takes the form of negotiation, followed by a written agreement in which both sides forgo any further action (such as a lawsuit), choosing instead to resolve the matter through payment of an agreeable amount of money.

    (Note: the middle ground between a lawsuit and an informal settlement is alternative dispute resolution procedures like mediation and arbitration.)

    What is a Statute of Limitations?

    Plaintiffs have a limited time in which to file a lawsuit, called a statute of limitations. Generally speaking, the period of time dictated by a statute of limitations begins when the plaintiff is injured or discovers the injury.

    Statutes of limitations are established by state law and often vary by type of injury. For instance, the statute of limitations for injuries to an individual in Texas is two years, but five years for sex crimes and one year for libel or slander. It can vary from state to state. For more details, see FindLaw’s State Statutes of Limitations directory and Time Limits to Bring a Case: The Statute of Limitations.

    Where are the Laws that Govern Personal Injury Cases?

    Unlike other areas of the law that find their rules in statutes (such as penal codes in criminal cases), the development of personal injury law has taken place mostly through court decisions, and in treatises written by legal scholars. Many states have taken steps to summarize the development of personal injury law in written statutes, but for practical purposes court decisions remain the main source of the law in any legal case arising from an accident or injury.

    Free Personal Injury Claim Review

    Any potential personal injury case requires a detailed understanding of the facts, the processes, and the law. If an accident has impacted your life, you will want to consult with an experienced attorney to see if you should pursue a lawsuit. Not sure if you have a case? You can always have an attorney do a free evaluation of your case here.



    Personal Injury Settlement Amounts, Calculate Pain and Suffering, Insurance Claims, personal injury settlement.#Personal #injury #settlement


    Personal Injury Settlement Amounts

    The biggest part of your personal injury settlement amounts depend on the type of car accident injuries you suffered.

    The amount of money you get from your settlements for personal injury from a car accident will depend on

    a) Severity of your injuries.

    b) How much proof you can give of your pain and suffering.

    The auto insurance company divides up your injuries into two broad categories, soft injuries and hard injuries.

    Soft injuries

    Most car accident injuries are soft injuries.

    These types of injuries are called soft injuries because they only involve muscles and other soft tissue. Soft injuries include strained neck, sprained knees or ankle, back spasms, whiplash etc.

    Soft injuries don’t usually give you a lot of money from your personal injury settlement amounts. This is because soft injuries are not permanent injuries and are not considered severe or life damaging.

    Another reason is that you cannot really prove how bad a soft injury really is. Soft injuries are subjective and cannot be quantified by any medical report. The only way you can show how severe the pain is through your own description of the pain you feel.

    The insurance companies know this. They understand that if you ever took your claims to a court, your personal injury settlement amounts will be low because you could not prove how badly you were injured.

    As a result, you typically get less amount of money for a soft injury.

    Hard Injuries

    Hard injuries are more severe. These types of injuries get the biggest personal injury settlement amounts because they can have serious impact on your long term health and lifestyle. Hard injuries are also easily documented and can be proven in a court.

    Let’s take a look at the different types of hard injuries that pay the most.

    Head Injuries

    Head injuries get a lot of money from an injury settlement because the damages can be long lasting and you may experience recurring concussions, dizziness, and headaches. It is safe to assume, that the number of serious complications that can result from your head injury is extremely high.

    The insurance company understands the seriousness of a head injury. They will try to settle with you more quickly because the longer they wait, the higher the risk of some major diagnosis and expensive treatment.

    Broken bones

    Anytime an X-Ray reveals any kind of fracture or break in your bones, you increase your accident injury settlement amounts.

    The amount you get depends on how severe the break is and how it impacts your regular life. A hair line fracture in your hand, might not be considered as damaging as breaking both of your legs and being stuck in a wheel chair.

    Wounds and Scars

    If you were severely wounded, you may have needed stitches or have developed a scar. Scars can increase your injury settlement amounts, if you can show any sort of psychological damage or financial loss.

    For example, a scar on a teenage girl may cause her embarrassment and emotional trauma. Similarly, a scar on a professional model can hurt her ability to earn future income. If the scar is permanent, this would further increase your personal injury settlement amounts.

    A good way to get an injury settlement amounts for a scar, is to consult with a plastic surgeon to see how much it would cost to remove the scar. You can then have an idea of how much you should get from your auto accident settlement.

    Torn ligaments and tendons, Separated Muscles, Joint dislocation

    These types of injuries pay more personal injury settlement amounts because they simply sound more painful.

    If you present a medical report to a jury, which describes any sort of tearing, joint dislocation or separation, you can’t help but feel something for the injured person. This increases your injury settlement amounts because it gives a painful perception of your injuries.

    Spinal injury

    These type of injuries involve damaging any vertebrae or spinal discs. A spinal injury has the obvious consequence of affecting your ability to walk as well as restricting your movements.

    Clearly, this injury would severely impact your ability to do normal activities like run or go on vacations.

    Therefore, your personal injury settlement amounts have to increase to compensate for your difficult lifestyle.

    Bottom Line

    The type of your injury plays a key role in determining the range of your personal injury settlement amounts.

    If you suffered a soft injury, you will most likely get close to whatever your medical expenses and loss of income were.

    If you unfortunately suffered a hard injury, then your personal injury settlement claims will be much higher. This is because these types of injuries are more painful and provable in front of potential jury.

    Want to know How Much Your Injury Claim is Worth? Get a free settlement estimate right now.



    The – Average – Personal Injury Settlement, personal injury settlement.#Personal #injury #settlement


    The Average Personal Injury Settlement

    There is no such thing as an “average” personal injury settlement in terms of a dollar amount. Aside from there being too many different types of personal injury cases, a potential settlement will depend on the unique facts of each case. This article discusses some of the primary considerations that go into a personal injury settlement and explains why “average” numbers aren’t necessarily helpful in trying to guess what a case is worth.

    To get a rough idea of what a settlement figure might be for an injury claim, try using AllLaw’s Personal Injury Calculator to piece together the main factors and give you a starting point for negotiations.

    How are Personal Injury Settlements Reached?

    A personal injury settlement takes place when the person being sued (the defendant, usually through his or her insurer or attorney) agrees to pay the person suing (the plaintiff) some amount to make the plaintiff drop the case. Most personal injury cases end with a settlement, not a jury verdict, and many settle before a lawsuit is even filed.

    To arrive at a settlement amount, both sides start out by determining on their own what they think the case is worth, i.e. what a jury might give the plaintiff if the case made it all the way to trial. Typically, this is accomplished by researching similar cases and seeing what juries have awarded in the past, and then factoring in any unique circumstances of the current case. If an insurance company is handling the defendant’s case, they might also have predetermined settlement amounts for different types of lawsuits.

    Once both sides have established their rough estimate of an acceptable settlement amount, they will begin to send settlement offers back and forth. As both sides gather facts and get a better idea of how likely it is the plaintiff will win or lose at trial, the amount of an acceptable settlement may go higher or lower. Once an acceptable offer is made, both sides will sign a settlement agreement and the plaintiff will drop the case.

    The Difference Between Median and Average

    With a little bit of research, someone with a potential case can find websites and publications that give themedian jury verdict or settlement for different types of personal injury cases. Some of these publications or websites might even refer to the number given as an “average.” However, a median does not give an average or a ball park figure that anyone with a particular type of case can rely on.

    The median is simply the middle range of all the cases combined, and there can be a very wide range. A few huge settlements or verdicts could make the median settlement or verdict number much higher than what a typical plaintiff might actually get. Once again, it is the individual factors of each case that matter most.

    Key Factors

    Defendant’s Assets

    If a defendant simply doesn’t have the means to pay a settlement, either through his or her own funds or through an insurance company, then a high settlement isn’t possible, regardless of the facts of the case.

    If a defendant loses at trial, the courts can sell the defendant’s assets or garnish their wages, but if there isn’t much to sell or garnish, there is no way to make the defendant come up with the money (here’s where the old “you can’t get blood from a stone” adage comes into play). A plaintiff needs to consider just how much a defendant is worth and/or the policy limits of any applicable insurance, when accepting or rejecting a settlement offer.

    Damages

    The damages in a personal injury lawsuit include all medical expenses, lost work and other concrete financial losses caused by the defendant, as well as compensation for the plaintiff’s physical and emotional pain and suffering. If a defendant has acted intentionally or very negligently, punitive damages may also be available.

    Depending on the facts of the case, concrete damages like medical expenses might be low, but the plaintiff’s potential recovery for physical and/or emotional pain and suffering might be quite high. Both sides will likely have a similar idea of what the range of concrete damages could be at trial, although items like future medical expenses could be contentious.

    Researching the outcome of similar cases is the best way the parties will be able to guess at physical and emotional pain and suffering damages, but there will never be anything better than a broad range of possible verdicts. The jury is permitted to award physical and emotional pain and suffering damages based on the jury’s own assessment of what would “make the plaintiff whole,” therefore prior damage awards in similar cases are only vague indicators.

    Punitive damages are designed to punish the defendant, therefore the richer the defendant, the higher the potential punitive damages. If the defendant is a large corporation, or other very wealthy entity, and the plaintiff has evidence of serious wrongdoing, the defendant may offer to pay a bigger settlement than otherwise to avoid the risk of punitive damages.

    Liability

    The final factor is just how strong the plaintiff’s case is against the defendant, i.e. whether the defendant is liable.

    Although potential damages might be high, there may be little or no evidence that the defendant committed the acts or that the acts were what actually caused the plaintiff’s damages. Some cases might involve a defendant that is clearly liable and others might be very questionable. However, it is the nature of the law and litigation that a large number of factors will play into whether a defendant will or can be found liable.

    Unless the case is fairly clear-cut one way or the other, neither side will be entirely confident that they can win the case at trial. As pre-trial litigation goes on, for example taking the deposition of key witnesses, a clearer picture may emerge of what the likely outcome will be. At that point, the sides will be more likely agree on acceptable settlement.



    Damages: How Much is a Personal Injury Case Worth, personal injury settlement.#Personal #injury #settlement


    Damages: How Much is a Personal Injury Case Worth?

    If you’re considering filing a personal injury lawsuit over a car accident, slip and fall, or any other kind of injury, you may be wondering “What is my case really worth?” The answer comes down to “damages” — figuring out what your injuries have cost you monetarily, physically, and mentally (and, in some cases, whether the defendant’s conduct should be punished).

    In a personal injury case, money damages are paid to an injured person (the plaintiff) by the person or company who is found to be legally responsible for the accident (the defendant or their insurer). A damage award can be agreed upon after a negotiated settlement — among the parties, their insurance companies, and their attorneys, for example — or may be ordered by a judge or jury following a court trial. (To learn more about how insurance companies value a claim after an accident, see Nolo’s article How Do Insurers Value an Injury Claim?)

    Below you’ll find an explanation of the different kinds of damages that are common in many personal injury cases and how a personal injury damages award can be affected by the plaintiff’s action (or inaction).

    Compensatory Damages in Personal Injury Cases

    Most personal injury damages are classified as “compensatory,” meaning that they are intended to compensate the injured plaintiff for what was lost due to the accident or injury. A compensatory damages award is meant to make the injured plaintiff “whole” again from a monetary standpoint (to the extent that’s possible). This means trying to put a dollar figure on all the consequences of an accident. Some compensatory damages are relatively easy to quantify — like reimbursement for property damage and medical bills. But it’s harder to place a monetary value on pain and suffering or the inability to enjoy hobbies because of physical limitations caused by lingering accident-related injuries.

    Here’s a rundown of the different types of compensatory damages that are common in many personal injury cases.

    Medical treatment. A personal injury damages award almost always includes the cost of medical care associated with the accident — reimbursement for treatment you’ve already received and compensation for the estimated cost of medical care you’ll need in the future because of the accident.

    Income. You may be entitled to compensation for the accident’s impact on your salary and wages — not just income you’ve already lost but also the money you would have been able to make in the future, were it not for the accident. In personal injury legalese, a damage award based on future income is characterized as compensation for an accident victim’s “loss of earning capacity.”

    Property loss. If any vehicles, clothing, or other items were damaged as a result of the accident, you’ll likely be entitled to reimbursement for repairs or compensation for the fair market value of the property that was lost.

    Pain and suffering. You may be entitled to get compensation for pain and serious discomfort you suffered during the accident and in its immediate aftermath — also for any ongoing pain that can be attributed to the accident. Learn more: What is Pain and Suffering?

    Emotional distress. Usually linked to more serious accidents, emotional distress damages are meant to compensate a personal injury plaintiff for the psychological impact of an injury — including fear, anxiety, and sleep loss. Some states consider emotional distress as part of any “pain and suffering” damage that is awarded to a personal injury plaintiff.

    Loss of enjoyment. When injuries caused by an accident keep you from enjoying day-to-day pursuits like hobbies, exercise, and other recreational activities, you may be entitled to receive “loss of enjoyment” damages.

    Loss of consortium. In personal injury cases, “loss of consortium” damages typically relate to the impact the injuries have on the plaintiff’s relationship with their spouse — the loss of companionship or the inability to maintain a sexual relationship, for example. Some states also consider the separate impact on the relationship between a parent and their child when one is injured. In some cases, loss of consortium damages are awarded directly to the affected family member rather than to the injured plaintiff.

    Punitive Damages in Personal Injury Cases

    In cases where the defendant’s conduct is deemed particularly egregious or outrageously careless, a personal injury plaintiff may be awarded punitive damages on top of any compensatory damages award. Punitive damages stem from a rationale that is quite different from the justification tied to compensatory damages, which attempt to “make someone whole.”

    Punitive damages are awarded to the injured plaintiff, but the real goal of these kinds of damages is to punish the defendant for its conduct — to “hit them in the pocketbook,” so to speak — and to act as a deterrent. Since it isn’t unusual for punitive damage awards to top tens of millions of dollars, most states have set some type of cap on punitive damage awards in personal injury cases.

    How Plaintiff’s Actions (or Inaction) Can Affect a Damages Award

    In some cases, an injured person’s role in causing an accident — or their inaction after being injured — can diminish the amount of damages available in a personal injury case.

    Comparative negligence. If you’re at fault (even partially) for the accident that caused your injuries, chances are that any damage award will reflect that. That’s because most states adhere to a “comparative negligence” standard that links damages to degree of fault in a personal injury case.

    Contributory negligence. In the small handful of states that follow the concept of “contributory negligence” for personal injury lawsuits, you may not be able to recover any compensation at all if you’re deemed partially to blame for the accident.

    After the accident: failure to mitigate damages. The law in most states expects plaintiffs in personal injury cases to take reasonable steps to minimize or “mitigate” the financial impact of the harm caused by the accident. If an injured plaintiff just sits back and rests on their proverbial laurels when it isn’t reasonable to do so (by failing to get necessary medical treatment after an accident, and making their injuries much worse, for example) a damages award might be significantly reduced. (For more information on defense strategies that can counter an injury claim, read Nolo’s article Defenses in Personal Injury Cases.)

    Want to Learn More?

    For more information about damage awards in specific types of personal injury cases, see Nolo’s articles Damages in Defective Products Cases and Damages in Medical Malpractice Cases.

    For tips on determining the value of your personal injury case — and making sure your claim is successful — get How to Win Your Personal Injury Claim, by Joseph L. Matthews (Nolo).



    Passenger Injury Claims After a Car Accident #car #accident #injury #settlement #amounts


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    Passenger Injury Claims After a Car Accident

    If you have been injured in a car accident as a passenger, there may be a few avenues you can take to get compensation for your medical bills and related losses. In this article, we’ll take a close look at those options, plus we’ll offer a few tips to keep in mind when you’re making an insurance claim as an injured passenger.

    Making a Third Party Insurance Claim

    Depending on who might have been at fault for the underlying car accident, as a first step, you can usually make a claim against either of the following liability insurance policies:

    • the policy of the driver or owner of the car you were riding in at the time of the accident, or
    • the policy of the driver or owner of another vehicle involved in the accident.

    A claim in either of these scenarios would be considered a “third party” claim, since it is one you’re making under an insurance policy that is not your own. (Learn more about How Insurance Claims Work .)

    It is possible you will need to make multiple claims. For example, if Driver A’s liability policy does not provide sufficient coverage for your losses, you may need to pursue a claim under the policy of Driver B for the remainder of your claim (that’s assuming that both drivers played a role in causing the accident).

    Consider this example: You are injured in a car accident and incur $35,000 in medical bills. The driver/owner of the vehicle you were in only has $10,000 of liability coverage. You are going to be $25,000 short in trying to recover your medical bills under that policy. You could, in this example, also pursue a claim against one of the liability policies for another car involved in the accident for the remaining amount (if there is enough under the other policy to recover the remaining amount).

    One thing to remember from the example above is you cannot recover more than your claim is worth. One policy will be allowed to offset whatever amount you recovered from the other policy. In other words, you do not get to double dip.

    What If the Passenger is Related to the Driver?

    If you are related to, and you live with, the driver of the car you were riding in as a passenger, you will probably not be able to pursue a claim against that driver’s liability insurance policy. In that situation, you are usually considered an insured under the policy; and insured persons cannot pursue liability claims against the policy that insures them. (Learn more about Negotiating with Your Own Insurer After an Injury .)

    Using Medical Payments ( Med Pay ) Coverage

    Oftentimes, insurance claims take time to process — especially when you are making a claim against someone else s policy. If you have medical bills that need to be paid, and your claim against the other policy is still under review, you can make a claim for medical payments. This type of coverage is often simply referred to as med pay. Many people do not even know they have med pay coverage under their automobile insurance policy.

    Med pay is not contingent on determining who was at fault for the underlying car accident. This makes processing the claim significantly faster. Keep in mind that if you are claiming pain and suffering, lost wages, or you incurred any other expenses as a result of the accident, med pay will not cover those items. Med pay only covers your medical bills.

    An important thing to remember is med pay does not provide infinite coverage for your medical bills. Like any insurance policy, it has its limits; and frankly, those limits are typically pretty low, maybe around $10,000 in a standard policy.

    If your med pay coverage is not enough to cover you medical bills, or you are also making claims for the additional items described above, you can still make a claim under the policies of the others involved in the accident (that of the owner/driver of the car you were riding in, or that of the owner/driver of another vehicle involved).

    You may also be able to make a claim for med pay coverage under the insurance policy of the driver/owner of the vehicle you were riding in. Again, you are not allowed to double dip. The amount you recover is limited to the amount of your claim. If one policy compensates you for any measure of your claim, any other liability policies involved will be entitled to an offset for the amount you already received.

    Get the compensation you deserve.



    Florida Underinsured #auto, #accident, #insurance, #florida, #coverage, #personal, #injury, #protection, #brian, #labovick, #car, #vehicle, #medical, #damage, #no, #fault, #no-fault, #litigation, #settlement, #bodily, #property, #legal, #uninsured, #underinsured


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    Florida Underinsured / Uninsured Motorist Coverage Defined

    Underinsured and uninsured motorist coverage protects drivers when the other driver either doesn’t have enough auto insurance or none at all. According to Brian LaBovick, of LaBovick LaBovick, an attorney in South Florida who specializes in auto accident cases, these are important coverages to have.

    He explained, “Underinsured motorist coverage or uninsured motorist coverage (UM) is the flipside to bodily injury (BI) insurance. In other states, those two insurances are fairly different. They cover things differently, but in Florida, it’s pretty simple. We’ve simplified it and whether the person who hit you in your car is uninsured or simply underinsured (doesn’t have enough insurance), it won’t matter.”

    “You can buy bodily injury insurance which will cover you if you hurt somebody else, but what happens to you if the person who hits you doesn’t have any bodily injury insurance and is fairly poor and can’t pay a judgment if (God forbid) they hurt you badly? If you need an operation, say a neck operation, and you don’t have health insurance and it’s going to cost $100,000, who’s going to pay for that?”

    UM is good to have especially in Florida

    LaBovick thinks that UM insurance is especially good to have in Florida as the state does not require motorists to carry bodily injury coverage. He continued, “You can have insurance that will cover you in case the person who hits you does not have that insurance and you can have the amount of it up to the amount that you buy bodily injury insurance. So, the flip side of bodily injury insurance is called uninsured or underinsured motorist insurance, commonly referred to as UM.”

    “UM is a great insurance to have, especially in Florida as the person who hits you has no mandated need to have BI insurance, so they’re not going to be covering you. Even if you have BI, if you haven’t bought UM, you won’t be covered in any way, shape or form.”

    Involved in a Florida car accident. Click here to contact a Florida car accident attorney.



    Cash settlement #cash #settlement,airlines,cash #and #cash #equivalents,commodities,credit #risk #management,forward #contract,forward #rate #agreement,fuel #cost,future,futures,hedging


    Cash settlement

    Cash Settlement is a method of settling forward contracts or futures contracts by cash rather than by physical delivery of the underlying asset. The parties settle by paying/receiving the loss/gain related to the contract in cash when the contract expires.

    In forward or future contracts, the buyer agrees to purchase some asset in the future at a price agreed upon today. In physically settled forward and future contracts, the full purchase price is paid by the buyer, and the actual asset is delivered by the seller. For example: Company A enters into a forward contract to buy 1 million barrels of oil at $70/barrel from company B on a future date. On that future date, Company A would have to pay $70 million to company B and in exchange receive 1 million barrels of oil.

    However, if the contract was cash-settled, the buyer and the seller would simply exchange the difference in the associated cash positions. The cash position is the difference between the spot price of the asset on the settlement date and the agreed upon price as dictated by the forward/future contract. Continuing from the example above, if on the settlement date the price of oil was $50 per barrel, the buyer, instead of paying the seller $70 million, would pay him $20 million. This is the difference between the price of 1 million barrels on that day and the agreed upon price — and the seller would not deliver any oil to the buyer. If, on the other hand, the price of oil was $80 per barrel, the seller would pay the buyer $10 million in cash and deliver no oil.

    It may seem confusing as to why the cash position is the difference between the spot price at settlement and the agreed upon forward/futures price. Using the example above again, consider if the spot price of oil was $50 per barrel, and the contract were physically settled. It would pay the seller $70 million, and received 1 million barrels in return. However, the market value of the oil is only $50 per barrel, meaning it paid more than the spot (market) price for oil. In other words, if Company A were to sell the oil immediately after it received the oil, it would only receive $50 million, incurring a loss of $20 million. The same principle holds true if the spot price of oil is $80 per barrel at expiry; rather than having a loss, Company A now has a profit.

    Why do parties use cash settlement?

    Cash settlement is useful and often preferred because it eliminates much of the transaction costs that would otherwise be incurred when physically delivering a good. For example, a futures contract on a basket of stocks such as the S P 500 (SPX) will always be cash settled because of the inconvenience, impracticality, and extremely high transaction costs associated with delivering shares of all 500 companies. Because the costs associated with cash settled contracts are lower, it appeals to both hedgers and speculators.

    Cash settlement also helps reduce credit risk for futures contracts. When entering into a futures contract, each party must deposit money into a margin account where gains and losses are paid into or taken out of. Futures contracts are cash settled daily and gains/losses are received/paid each day, eliminating the chance that a party will be unable to pay.

    Most forwards and futures on financial assets are cash settled. For instance, forward rate agreements. which are forward contracts on an interest rate. are always cash settled because the underlying is an interest rate, which is not physically deliverable. Commodities. while often physically settled, can also be cash settled as long as an observable, undisputed measure of the spot price is agreed upon beforehand. Cash settling commodities lets companies reduce the cost of hedging.

    How does cash settlement work?

    A quick example would help illustrate the point. Assume Company Z, an airline company, purchases its fuel from local, familiar dealers, but wishes to hedge against rising fuel costs. It buys (take the long position) a futures contract at the price of $50 per barrel to lock in its purchase price. However, it has a long established relationship with local suppliers, and it would prefer to continue purchasing from its established suppliers rather than receive the fuel from the seller of the futures contract.

    If the futures contract was physically settled, at expiry Company Z would pay the previously agreed upon futures price, and receive the actual fuel from the seller regardless of the spot price (current market price). If the spot price was $75 a barrel, Company Z has a profit of $25 per barrel, since it pays only $50 per barrel rather than $75. If the spot price was $25 a barrel, Company Z has a loss of $25 a barrel because it must pay $50 a barrel when it could have only paid $25 had it not entered into the contract. By entering into the futures contract, Company Z locks in its purchase price of fuel, effectively removing any uncertainty about the cost of the fuel.

    However, if the contract was cash settled, Company Z would receive the difference in cash between the spot price and the futures price. If the spot price at expiry is $75, Company Z has again earned a profit of $25 per barrel. This is because it only needs to pay $50 per barrel, but can immediately sell it for $75, turning a $25 immediate profit. This is where the convenience of cash settlement makes it desirable. Rather than paying $50 per barrel and receiving the actual fuel, in a cash settled contract the seller of the contract would simply pay Company Z $25, or the difference between the spot and futures price. This allows Company Z to then purchase fuel from its established supplier at the spot (market) price of $75. Since it received the $25 per barrel from the seller of the futures contract, the final net cost to Company Z remains $50 per barrel.

    If the spot price were to decrease to $25 per barrel, then Company Z has a loss (since it could buy fuel in the open market for $25, but has locked in the purchase price at $50) and must pay the seller $25. However, despite the loss, it can now buy fuel at the spot price of $25 per barrel, and thus again the total cost is $50 per barrel. bestcashloans.org.uk



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    Structured Settlements vs. Other Investment Alternatives

    Structured settlements are primarily used to provide stable continuous income and to address longevity risk, however, financial planners, financial advisers, other Investment representatives, plaintiff attorneys or even plaintiffs themselves occasionally raise questions about the rate of return on structured settlement annuities compared to other investment alternatives. It is important to keep in mind that these structured settlement payments when payable for personal injury, physical sickness, wrongful death or workers compensation pursuant to IRC 104(a)(1) or IRC 104(a)(2), are totally income tax free. On the other hand the investment return on the settlement proceeds received in cash and outside of a structured settlement will generally be taxable as to income, capital gains, or both.

    What if I just took a lump sum and invested it myself instead of a structured settlement?
    The income generated by investment of a large cash lump sum settlement could subject the plaintiff to higher tax brackets. Therefore, considering federal and state taxes and your tax bracket, you would need to earn 20% to 40% greater rates each and every year throughout a lifetime (or the term of the structured settlement if not a lifetime or life contingent annuity) to equal the same rate of return as the structured settlement on a net after-tax basis. The number that you need to earn on a taxable basis to equal the internal rate of return on the structured settlement payments is sometimes referred to as the “taxable equivalent yield ” or “taxable equivalent internal rate of return “.

    If the plaintiff has health considerations, significant future medicals, but uncertain mortality, “rated age ” structured settlement annuities with a deferred start date could function as a “backstop,” and could produce a higher taxable equivalent rate of return.

    Timing of the market is not easy. The results of a 2016 study by Morningstar covering a 20 year period ending in 2015, demonstrate what the result might have been if you missed the best trading days, which suggests that over the same time frame you might have done better or been been highly competitive with an allocation to a structured settlement, without enduring the market risk or volatility.

    If you stayed invested for 5040 trading days from 1996-2015

    If you missed the 10 best trading days from 1996-2015

    If you missed the 20 best trading days from 1996-2015

    If you missed the 30 best trading days

    If you missed the 40 best trading days

    If you missed the 50 best trading days

    Source. Morningstar The Cost of Market Timing 2016

    Liquidity can be provided by pairing the structured settlement with a settlement preservation trust, settlement conservation trust, or a special needs trust if there is a need to protect public benefits. The use of a “structured annuity backstop” is a strategy that facilitates a greater cash component and greater liquidity.

    Caution About Structured Settlement Derivatives Mislabeled and Marketed to Investors. Including Injury Victims, as � Secondary Market Annuities�, �SMA� or �SMIA�
    An investment in structured settlement payment rights is not the same as buying an annuity. Don�t be fooled that the person selling it has an insurance license, is a settlement or financial planner who sells other annuities and calls it an annuity. It is not an annuity. It is not an insurance product. It is not issued by an insurance company. It carries risks that are greater than an annuity. Some investors in secondary market annuities have lost all their money in a relatively short space of time. In a recent chilling example, on the advice of her Pittsburgh Financial adviser, PA resident Linda Wall was sold a �secondary market annuity� for her retirement funds from a New Jersey Company called Altium Group in April 2012, which advertises �Secondary Market Annuities are considered by most to be high-yield, low-risk financial products.� Linda Wall�s January 26, 2017 Better Business Bureau review of Altium Group speaks for itself:
    �I entered into a contract with Altium LLC in April of 2012 to buy a structured settlement for $152,833.37 with a return of $191,128.92. It was granted through the Florida court system then overturned because of fraud and our monies were never returned to us. Altium is now saying they are not insured and don’t have those kinds of funds to return our money. My retirement savings are gone and they don’t seem to think it is their problem. Be very wary�. For more information see Robert Wall and Linda Wall vs Corona Capital, LLC and Altium Group, LLC WD Pennsylvania Case No. 2:16-CV-01044-MRH, filed July 15, 2016.

    Structured settlement annuities are regulated insurance products sold by license agents or brokers. Structured settlement payments are contractually guaranteed through customized (bespoke) structured annuities that we place with a multi-billion dollar life insurance company (or companies). If you have any doubts and think you can do better with your investments while minimizing risk, consider “Monte Carlo simulation ” as an effective means to illustrate (to attorneys or plaintiffs) the volatility of investment returns with certain hypothetical investment mixes (on settlement proceeds) against the amount and timing of the plaintiff’s absolute needs. It may be helpful to you.

    Notes:

    *Source: Morningstar 2016, Morningstar data is unmanaged, reflects the reinvestment of dividends and capital gains, bears no management fees or operating expenses and is not available for direct investment.



    Class Action #class #action,lawsuit #loans,settlement #funding,litigation #finance,class #action #lawsuit #funding,class #action #settlement #funding


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    Class Action

    Class Action Lawsuit Funding

    Class Action Litigation Finance

    Are you a plaintiff in a class action lawsuit and need settlement funding to help your financial situation? If the answer is yes, USA Lawsuit Loans is the solution you’ve been looking for. USA Lawsuit Loans provides plaintiffs and attorneys with low interest class action lawsuit loans and fast class action lawsuit funding. Our class action settlement financing services are not based on your personal credit or work history but rather on the strengths and merits of your lawsuit. Most importantly, our lawsuit cash advances for class action lawsuits are non-recourse, this means you only repay your class action lawsuit loan if you win or settle case, and otherwise the money is simply yours to keep. You may receive your lawsuit cash advance within 24 hours after you have applied. The road to financial freedom starts here, so get your settlement loan by contacting USA Lawsuit Loans today at 866-840-4498 or by filling out our quick class action lawsuit funding online application .

    Class Action Settlement Funding

    Class Action Lawsuit Loans

    In legislation, a class lawsuit. a class action. as well as a representative action is a type of lawsuit whereby a large number of individuals together bring a claim to court and/or where a class of defendants are sued. Class actions lawsuits are commonly known as “class action suits”. But yet the phrase “class action lawsuit” is redundant as the customary difference between suits at law and action in justness are not recognized anymore. These types of collective lawsuits were established in the US which happens to be nonetheless predominantly a US paradox. In spite of this, in a number of European nations with civil law, in contrast to the Anglo-American prevalent law system, have integrate adjustments in recent years that permit individual organizations to deliver claims with respect to significant groups of individuals. In conclusion a class action lawsuit is a suit formed on behalf of numerous similarly situated individuals who have been harmed in a similar fashion by the exact entity.

    USA Lawsuit Loans is a lawsuit funding company that provides low interest lawsuit cash advances for plaintiffs of class action lawsuit throughout the United States. If you believed you have been wronged by a corporation via negligence of a company, manufacturer, or investment firm and are involved in the litigation process, a litigation loan from USA Lawsuit Loans may be of great value to help you sustain your financial obligations. There’s no set limit on how money you may borrow and we no restrictions on how you spend your class action lawsuit loan.

    Why is class action lawsuit funding from USA Lawsuit Loans your best choice?

    • We’ve provided funding for some of the biggest class action lawsuits cases in the country
    • We guarantee the best rates
    • We offer non-recourse lawsuit funding. repay only if you win or settle your case
    • We work quickly to approve your lawsuit funds
    • Working funds to pay costly litigation
    • Money for purchasing a new vehicle
    • Money for your dream home

    Legal Funding For Class Action Lawsuit

    Class Action Litigation Financing

    Class action law firms fight challenging lawsuits for their clients on a federal as well as a state level. Class action attorneys may initiate legal procedures many years away in advance of a possible settlement. Many companies will pay millions of dollars out of pocket in preparation expenditures and litigation. Class action lawsuits are the lengthiest particular lawsuits reference to timeframe in the process to acquire a settlement in the over-all legal sector. Such class action law firms that represent not simply one person but a significant group of people and/or businesses are at frequently unwilling to even consider a low ball settlement offers. The plaintiffs which have been unfavorably afflicted perhaps physically as well as economically ought to think of lawsuit settlement funding in an effort to overcome financial problems. Once you apply for a lawsuit cash advance, the money may be available in 48 hours or less, USA Lawsuit Loans is fast to approve your class action settlement funding .

    Here are some class action lawsuits examples:

    • Renters and homeowners impacted by a toxic spill in their community.
    • Consumers who acquired the similar faulty merchandise or were injured by unfair profession practices made by a company.
    • Employees confronted with routine or unbiased behavior due to religious beliefs, age, and gender discrimination by their employer.
    • Patients giving prescriptions without disclosing, harmful side-effects.
    • Consumers and merchants who buy goods at inflated prices as a result of the anti-competitive actions of large companies.
    • Investors that might be victimized by scams with regards to the selling or buying of stocks along with securities.

    Apply for Class Action Litigation Funding

    Best Rates for Class Action Lawsuit Funding

    If you are involved in a Class Action lawsuit and need legal financing to assist you with the high cost of litigation or to a help you keep your business up float, USA Lawsuit Loans is your answer. We provide legal funding at any stage of your Class Action lawsuit. USA Lawsuit Loans offers the lowest rates in the class action lawsuit financing industry and we work fast to approve your lawsuit loan request. Upon receiving the supporting documents for your Class Action lawsuit we can have you approved for Class Action funding in as little as 48 hours. Receive the lawsuit cash advance you need today by completing our fast and easy litigation funding online application or by calling USA Lawsuit Loans at 1-866-840-4498. We look forward to becoming your legal funding solution for your lawsuit funding and litigation financing needs. USA Lawsuit Loans is your one stop for all of your Class Action funding needs. We are ready to compete for your business and offer you the best rates for Class Action lawsuit funding .

    Our Lawsuit Funding Types

    Your Litigation Funding Options

    USA Lawsuit Loans is a highly respected lawsuit funding company that cares about the their clients and hopes to provide financial stability for people going through the extensive court processes associated in a lawsuit. USA Lawsuit Loans in addition provides litigation funding for: Pre Settlement Funding, Post Settlement Funding, Structured Settlement Funding, Commercial Lawsuit Funding, and Law Firm Funding .

    Class Action Settlement loans by States

    Class Action Lawsuit Funding in Your State



    Chicago, Illinois Nursing Home Abuse Lawyers – Ring Litigation P #chicago #nursing #home #abuse #lawyers, #ring #litigation #p.c., #chicago #illinois #nursing #home #abuse #attorneys, #illinois #nursing #home #abuse #laws, #legal, #chicago #illinois #nursing #home #abuse #attorney, #lawyer, #court #case, #cases, #appeal, #settlement, #compensation,


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    Chicago Nursing Home Abuse Lawyers

    Nursing Home Lawyers Serving all of Illinois

    You and your family reach the wrenching conclusion that you have to put your loved one in a nursing home. Mom or Dad can no longer live by themselves safely. You ask your friends and colleagues what they know about nursing homes in Chicago. You go online and carefully read the descriptions about the facility and the staff of each nursing home you hear about. You want just the right place to care for your loved one so they are well cared for.

    After much deliberation, you choose a nursing home. You help your loved one pack up the house and move into the home. You breathe a much-deserved sigh of relief and plan out your visits.

    Everything is fine for a while. Your loved one is adjusting and beginning to talk about new friends. In fact, your loved one talks a lot about one new friend in particular, someone on the nursing home staff. But soon you begin to notice bruises on your loved one. The last time you visited, your loved one was incoherent and the check book was out on the table.

    You begin to suspect something is not right.

    Where can you turn?

    Nursing home abuse and neglect is against the law

    Federal and Illinois laws protect the elderly from abuse, mistreatment, and neglect in nursing homes or by caregivers in private homes. The law also dictates the process for reporting and investigating claims of abuse. A nursing home abuse lawyer in Chicago can provide you with sound legal advice with your family’s best interest in mind.

    Trial lawyers who know how to get past the lies

    At Ring Litigation P.C. our experienced trial lawyers know how to ferret out the facts. We know how to bring charges against those responsible for neglect and abuse, including theft. And as litigators, we are always prepared to take your suit to trial. We are particularly adept at cross-examination about events leading to abuse. We know how to identify the lies and get past them. We review nursing home records, reports, and testimonies in sworn statements and depositions. We poke for statements that make no sense, conflict with one another, and leave gaping holes.

    We are committed to handling your case with the utmost compassion. As Chicago nursing home abuse lawyers. our primary goal is the safety of your loved one. That means holding those responsible for your loved one’s neglect or abuse accountable for their actions. We work relentlessly to see that your family receives the compensation you deserve as quickly as possible.

    We can also handle arbitrations and appeals.

    Get peace of mind

    Ring Litigation P.C. can ably take your legal problems off your hands. We know how busy you are already. With a Ring Litigation P.C. Chicago nursing home attorney by your side to handle all the details, you can breathe a bit more easily and gain peace of mind.

    Place your loved ones in a ring of care call Ring Litigation P.C.

    For a nursing home lawyer in Chicago, rely on the trial attorneys of Ring Litigation P.C. Call us today at 312.781.0290 or contact us online to schedule your free initial consultation and receive your free nursing home checklist. Hablamos espa ol. Parliamo italiano.



    Property Settlements 101 #loan #settlement #process


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    What is Property Settlement?

    A settlement agent will protect your interests during the settlement process. Most real estate agents will refer you to a settlement agent if there are none appointed by the time it comes to writing up the Offer Acceptance – but you’re free choose your own.

    You can do this by either;

  • Nominating your preferred settlement agent on the Offer and Acceptance document,
  • If you haven’t decided on a settlement agent yet, you can specify ‘TBA’ (to be advised). Let your real estate agent know as soon as you have one appointed, verbally and by fax or email

    Pro Tip:

    The wording of a contract has a large
    impact on how your settlement is conducted.

    Clear, precise conditions outlining required
    actions and who is responsible for them will
    reduce the potential for disagreements and
    delays.

    Pro tips for the buyer:

  • Take nothing for granted. The presence of a dishwasher during your inspection does not mean it will be there come settlement. Avoid conflict by carefully assessing the property and listing all the items you consider fixtures and chattels in the contract. These items may include; carpets, window and light fittings, dishwashers, TV antennas, clothes lines, garden sheds, security systems and air conditioners.
  • The real estate agent selling the property is obliged to act in the best interests of the seller. Make it your business to protect your own. See our 5 Questions To Ask Before Choosing a Settlement Agent for advice on choosing a settlement agent who’ll protect your interests.

    From here on in, most of the heavy lifting will be handled by the settlement agents working for the buyer and seller.
    The settlement agent of each party will:

    Your conveyancer will do a search to obtain the Certificate of Title and other relevant documents. From these, they will:

  • Identify the existence of limitations on the title such as easements and rights-of-way. Encumbrances such as these may restrict your use of the property and it’s best to know about them up front, and
  • Identify other encumbrances such as a mortgages and caveats that will need to be removed prior to settlement.

    Prepare unconditional documentation

    Your conveyancer will prepare unconditional documentation such as:

  • Transfer of Land – this document sets out the property being transferred by identifying the title, any encumbrances to stay on the title after settlement (ie. restrictive covenant), the seller’s name/s, sale price, buyer/s names, buyer’s address after settlement and buyer’s tenancy (if more than one party). Both parties are required to sign the document and have their signatures witnessed by an independent person over the age of 18. It is important the transfer is prepared correctly and is signed correctly as it is the document lodged with Landgate to effect the settlement.
  • Identification of Certificate of Title – this document includes a copy of the title and plan showing the property you are purchasing – this ensures that the correct property is transferred to you.
  • Identification of Encumbrance/s – this document will include a copy of any encumbrances on the title, this is important as encumbrances have the ability to affect your plans for the property.
  • Stamp Duty Application form – the conveyancer will assess what (if any) reduction you are entitled to for stamp duty and will send the appropriate form to you for signing ie. First Home Owners Rate or Residential Rate.
  • Authority to Proceed to Settlement – this document gives your conveyancer permission to finalise settlement on your behalf. You generally hold onto this form and send it to your settlement agent once you’ve completed your final inspection and are happy with everything

    They’ll also send you an initial settlement statement. This will detail how your funds have been distributed throughout the property settlement, and for the buyer will include:

    For the seller, the settlement statement will include:

    The initial statement is an estimate – you’ll get a final statement later.

    Pro tips for the buyer:

    As your settlement agent prepares the unconditional documentation, you’ll need to:

    • Sign the Transfer of Land when you receive it. Have this witnessed by an independent person over 18, and ensure that the transfer has the right contact details, including your full legal name.
    • Identify the Certificate of Title – make sure it refers to the right property! Return this to your settlement agent promptly.
    • Sign the appropriate Stamp Duty Application form.
    • Sign the Authority to Proceed to Settlement document to give your conveyancer permission to finalise settlement.

    Get an online quote

    Almost there! The buyer’s settlement agent will finalise the property settlement process by:

  • Sending the buyer their final settlement statement and original stamped O A following settlement being effected, and
  • Ensure the title is in the buyer’s name and all details are correct (4-6 weeks after settlement).

    The seller will also receive a final settlement statement, from their conveyancer.

    Congratulations! You’ve completed property settlement and have successfully bought or sold your home!

    To ensure your settlement goes as smoothly as possible, appoint the best settlement agent in Perth – Residential Settlements.

    Call Now For A Settlement Quote

    or

    Marcasite Holdings Pty. Ltd. T/A Residential Settlements
    5/170 Burswood Road
    Burswood WA 6100
    Licensed real estate settlement agents



  • Have a Structured Settlement and Need Cash Now? Cash in Your Annuity #i #have #a #structured #settlement #and #i #need #cash


    By: CashInYourAnnuity.com – Call Us: 1-800-325-3994 – Get Your Cash NOW!

    If you are currently receiving a structured settlement and need cash now then we have a solution for you. Cash in Your Annuity a leader in providing you structured settlement and annuity transfers can get you the cash you need without any questions asked. Our solution is seamless and easy. Once you speak with one of our professionals on the telephone we will give you the guidance and advice for how you can sell your settlement payment rights in exchange for a large lump sum.

    The process is fast and easy and gives you a much better deal then the heavily advertised and promoted payday loan offers that you often see flooding the television commercials. The rate at which you receive your money in terms of a discount is all dependent on how far out the payments you are due to receive are and how much money you are supposed to receive. Anytime you have a structured settlement and need cash now you can work with a multitude of qualified companies

    Helpful Articles

    How to Sell a Structured Settlement If you come to a point in your life when selling your structured settlement sounds like a good idea, then it’s time for.

    So, you have a settlement and you’re getting monthly payments. Although that’s a really good thing financially, there will come a time where your needs will be greater than the.

    Maximize Your Settlement Benefits You’ve just been awarded a structured settlement. What can you do to make the most out of your scheduled payments? How can you invest in your.

    Copyright 2013 Cash in Your Annuity Home About Contact ^ top 8560 W. Sunset Blvd. Suite 400 and 500, W. Hollywood, California, 90069



    Six key pieces of the approved Flint water lawsuit settlement #loans #on #lawsuit #settlement


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    Six key pieces of the approved Flint water lawsuit settlement

    Judge approves settlement of Flint water crisis civil lawsuit

    U.S. District Judge David M. Lawson on Tuesday, March 28, approved a settlement agreement in a civil lawsuit filed the Concerned Pastors for Social Action and others against the state of Michigan, City of Flint and others over the Flint water crisis.

    The settlement guarantees replacement of 18,000 lead and galvanized service lines in Flint but not the door-to-door water deliveries that had been sought while that work is done.

    The agreement was approved by the Flint City Council last week and the Flint Receivership Transition Advisory Board on Monday, March 27.

    Erin Kirkland | The Flint Journal file photo

    Service line replacements

    The settlement legally binds Flint and Michigan to carry out some of the plans the city and state have committed to previously.

    The settlement requires the state to allocate $87 million to pay for the replacement of lead and galvanized water service lines — at least $47 million of which must come from sources other than those approved by Congress and President Barack Obama last year.

    It also requires that the state set aside an additional $10 million in reserves from federal funds to pay the cost of service line replacements in the event that the work costs more than expected.

    Households with an active water account qualify for service line replacement.

    The city and the state are required to ensure that at each household where a service line is replaced, residents are instructed to use filtered water for at least 6 months following the replacement.

    Flint Journal file photo

    New water monitoring requirements

    Water monitoring requirements are included in the settlement deal, including a commitment from the state to test water in homes before and after service line replacements and the appointment of a third-party monitor to test the water in a minimum of 100 homes for at least three years.

    The state must create its own program called Confirming Lead Elimination with Service Line Replacements to carry out the sampling in 100 homes before and after service line replacement.

    The third-party monitor must be agreed to by plaintiffs and defendants in the water lawsuit. The 100 sites sampled by the monitor for three years will be separate from the routine testing done to maintain compliance with the federal Lead and Copper Rule.

    MLive.com file photo

    Changes ahead for bottled water distribution

    The settlement requires the state to continue to operate at least nine community water resources sites at their current hours of operation and to make filters, filter cartridges, bottled water and water testing kits available to residents free of charge.

    But beginning May 1, 2017, the state may close up to three distribution points. If more than three resource sites have an average number of daily water pickups of less than 20, the state may close only the three sites with the lowest average pick-up numbers.

    From June until July, the state may close up to two additional points of distribution.

    If the 90th percentile lead level of water tested from January until July is below the federal action level of 15 parts per billion, the state may close the remaining water distribution points but must maintain at least two until Sept. 1.

    The state is not required to deliver water door-to-door as the lawsuit initially sought under some circumstances but residents may request water delivery by calling 211.

    Even the 211 water deliveries can be discontinued by the state of lead if the 90th percentile lead level of water tested from January until July is below the federal action level of 15 ppb.

    Danny Miller | The Flint Journal file photo

    Commitment to CORE program

    The agreement calls for the state to maintain and expand the Community Outreach and Resident Education program for filter education, installation and maintenance.

    “State parties shall ensure that CORE teams are dispersed throughout Flint for eight hours per day, Monday through Saturday” and “will make a good-faith effort to maintain 160 education specialists, including 16 coordinators” as part of the CORE staff.

    Before any permanent decrease in CORE staff, the state must provide written notice at least 30 days in advance.

    The state will provide $100,000 to fund efforts to publicize the CORE program.

    Mac Snyder | The Flint Journal file photo



    How to Buy Structured Settlements – Structured Settlement Guide #buying #structured #settlement,lump #sum #vs #structured #settlement,selling #structured #settlement,structured #settlement #drawbacks,structured #settlement #loans


    Buy Structured Settlements

    A structured settlement is an insurance agreement or financial contract that a claimant receives in lawsuits, instead of getting lump sum money. Settlements normally occur from legal claims, which endow the claimant with specific amount of cash during a fixed period of time. The defendant or payee can buy annuities with definite future payments to cover up the installments. Though there is a notional value to these installments, which can be established using the current value presented in annuity calculator – the precise value of a structured settlement investment can differ considerably based on numerous key factors. This article will inform you about how you can buy structured settlements the right way.

    How to Purchase Structured Settlements

    Buying structured settlement requires contacting a settlement broker to aid in locating sellers to discuss the deal. The NSSTA or National Structured Settlements Trade Association works with more than 600 licensed insurance companies, brokers, and other parties in the industry of supervising structured settlements. Every member of the NSSTA should comply with the code of ethics prior to approval of application. Contact this association so you can locate an independent lawyer who will gladly represent your best interest, both ethically and legally.

    As a structured settlement purchaser. it’s beneficial to ask your broker or attorney for quotes and breakdown of fees linked with settlements. The fees that come with these financial agreements can be high or low depending on the amount of settlement and the time invested. Litigation calls for higher rates, though not all amounts should be paid upfront. If the fee is high, ask if you can pay your broker in installments.

    Choose your preferred payment schedule. For the most part, structured settlements can work with almost any kind of payment schedule. Payments can range from every day up to once or twice every two years or more.

    Companies that buy structured settlements are familiar with their tax obligation, and as an independent purchaser, you should do the same. People who have structured insurance settlements benefit from having a structured payment deal rather than recompensing in one lump sum because of the tax policy. You must become aware of the tax guidelines published by the IRS on structured payment settlements.

    Learn about the structured settlement laws in your area or state. Many states allow structured payments, subject to court approval, provided that the settlement is for the best interest of the consumer.

    The Settlement Industry

    Due to the requirement of people to convert their scheduled payments into instant cash, a secondary market was created for these income streams. There are companies that deal particularly with structured settlement loans. giving out litigation funding to claimant during the pendency of the lawsuit. There are others that assist beneficiaries in transforming their structured payments into instant lump sum amount.

    People who have taken or still taking annuity payments are aware of the unsolicited recommendations and proposals from companies and individuals who would like to benefit from their mishandled finances. Thus, those who would like to purchase or sell should be aware of unscrupulous companies in the market.

    If you are considering purchasing structured settlements as investments, assess the reputation of the broker that you are dealing with. Don’t work with a company that may become bankrupt or insolvent right after you bought the structured settlement. It’s most advantageous to consult with a tax advisor or attorney prior to entering with any transactions. Get in touch with potential sellers via a structured settlement broker who will match and weigh differing offers and keeps comprehensive resources to equip you with transaction as well as legal guidance.

    Final Note

    There is no doubt that when you buy structured settlements you involve yourself in the lucrative business of investing in large monetary claims. The tax benefits and facility to be structured against market inflation can build a long-term income generating tool to broaden your investment portfolio. However, because of the serious legal restrictions on transfer and assignment of structured settlements, before purchasing one, you must explore the ramifications of seeking out legal advice.

    Buy Structured Settlements. 2.0 out of 5 based on 4 ratings

    All material is for informational purposes only and Qwoter is not responsible for any errors or omissions. The information is subject to change without notice and should
    not be construed as definitive investment advice or recommendations. Please consult your tax or legal advisor(s) for questions concerning your personal or financial situation.

    It’s Not Too Late! – You can still open your IRA today and receive taxable deductions for 2016. Learn How



    Professional Tax Resolution #irs #settlement


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    Our licensed tax professionals are specialists in the area of tax debt resolution. We provide fast and permanent relief from the consequences of having an outstanding tax liability by removing liens, halting wage garnishments and stopping the accrual of penalties and interest. The end result will always be negotiation of the best tax settlement agreement possible for your specific set of financial circumstances.

    If your tax return is selected for an IRS audit, our team of licensed tax professionals, which includes former IRS auditors, will provide you with the expert audit defense you are looking for. Our CPAs and Enrolled Agents have extensive experience with the audit process and have successfully represented hundreds of cases before the IRS, often with no additional tax owed.

    In addition to providing tax resolution services, our licensed CPAs provide professional tax preparation services to both business and individuals. Aside from preparing routine returns, we handle any and all special tax filings including filing back tax returns and amending prior returns which may result in the prevention or resolution of current or future tax debt issues.

    Because our licensed tax professionals are specialists in a variety of areas, they have the experience and knowledge necessary to provide expert tax consulting and planning services to both businesses and individuals. In this capacity, we help our clients develop effective tax planning strategies designed to make maximum use of the available provisions of the tax code to reduce the total amount of taxes owed.



    Slip and Fall Settlement Amounts #slip #and #fall #settlement #amounts, #slip,fall,accident,injury,settlement,slippery,negligence,premises #liability,lawsuit,recovery,lawyer,attorney


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    Slip and Fall Settlement Amounts

    Locate a Local Personal Injury Lawyer

    What Is a Slip and Fall Accident?

    Slip and fall accidents occur when a person falls and sustains an injury while on premises that are owned by another party. These are common in business establishments such as retail stores, shopping malls, and grocery stores. They may also occur in other settings like at the workplace or while on rented property. Slip and fall injuries are common where the flooring of the area is constantly under slick or slippery conditions.

    What Are Slip and Fall Settlements?

    A slip and fall settlement is where the injured party attempts to hold the responsible party liable for their losses or expenses caused by the accident. During the settlement negotiations, the parties will determine how much is owed, if anything, and whether further measures need to be taken (such as repairing or cleaning the floors).

    Slip and fall settlements may be conducted in connection with a lawsuit based on negligence or premises liability. The settlement may be a result of the natural progression of the case. For example, the parties may decide early on that continuing with litigation would be too costly or too risky. As a result, they may resort to a settlement in order to avoid the costs associated with a lawsuit.

    More commonly, slip and fall settlements are negotiated out-of-court even before a lawsuit is filed. For example, the injured party may approach the owner of the premises and inform them of their injury and resulting losses. Out of court settlements are common for minor claims and in instances where the owner of the premises is clearly at fault.

    How Much Can I Recover in a Settlement?

    It is difficult to say how much a person can recover in a slip and fall settlement. The amount of recovery is based on different factors, which may be different for each individual case. Settlements in a slip and fall case will depend on:

    • The type of injury: More serious injuries will of course result in a higher payout. Less serious injuries or injuries that were pre-existing will result in a lower recovery amount. Medical documentation may be needed as proof of the harm
    • Effects of the injury: The injured person may be entitled to losses that result from the injury, such as lost wages or impaired bodily function in the future
    • Degree of fault: If the injured party is partially or fully to blame for their injuries, their recovery may be reduced or even denied. For example, the victim may have acted recklessly by disregarding warning signs.
    • Relationship between the parties: Recovery may depend on the relationship between the parties, such as customer-patron, employer-employee, or landlord-tenant. Recovery may also depend on where the accident occurred (i.e. at work vs. at home)
    • Interactions with insurance companies: If the injured party has already received compensation from an outside source such as an insurance company, it may limit their amount of recovery (this may vary by jurisdiction). Also, if the injured party has delayed in filing an insurance claim, it may also reflect negatively on the outcome of the settlement.

    Finally, it is somewhat common for the defendant in a slip and fall case to refuse to participate in settlement negotiations. This is especially true if they feel that they are not responsible for the slip and fall incident.

    Should I Hire a Lawyer for Help with a Slip and Fall Settlement?

    Many people feel that they can handle a slip and fall settlement on their own. However, it is advisable to work with a personal injury lawyer if you will be engaging in negotiations for a slip and fall settlement. Personal injury laws may vary widely according to state and local jurisdiction.

    Your attorney can help present your arguments in a way that is both professional and efficient. In any slip and fall case, proving who is at fault is the most important thing. An experienced lawyer will be able to establish whether dangerous floor conditions were the cause of your injuries. Also, a lawyer will help you organize documents, photos, witness testimony, and other evidence that will support your claim.

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    Collecting Your Injury Settlement Money or Judgement #settlement #money #now


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    Collecting Your Injury Settlement Money or Judgement

    If your personal injury lawsuit has gotten to the point where you have settled the case or won a judgment at trial, then it is almost certain that the defendant has liability insurance. After settling an injury case, your lawyer will simply wait for the settlement check to come in the mail. If you won at trial, you should be prepared for a one to two year appeal process to play out before you will see a check for the judgment.

    This article will address the usual procedures for processing a settlement or responding to an appeal in a personal injury lawsuit. and will close with a discussion of what often happens when the defendant is uninsured.

    If You’ve Settled Your Case

    Once you settle a lawsuit. the lawyers will report to the court that the case was settled. The court will then issue an order of settlement, which will require the parties to complete all of the settlement papers within 30 or 60 days, depending on the court. The most important settlement paperwork is the Release.

    The Release

    The Release is a document prepared by the defense attorney that sets forth the settlement terms. There is no legal reason why it can’t be a relatively short document, but some defense attorneys and insurance companies insist on a ten or fifteen page document dense with legalese. Once the defense attorney prepares the Release, he/she will send it to your lawyer for approval. Depending on what is in the document, the Release can be very straightforward, or it can be objectionable.

    Your lawyer will read it carefully to determine whether it is acceptable. Sometimes, the lawyers will argue for days over the terms of the Release. They generally reach an agreement, but, if they don’t, they will request that the judge decide. That will slow down the settlement considerably.

    Once the Release is acceptable, your lawyer will send it to you to sign. You will usually have to sign it in front of a notary public, sometimes in triplicate. Before signing it, you will want to read it carefully and discuss it fully with your lawyer, asking all of the questions that you need to ask. Once it has been signed and returned to the defense attorney, there is no chance of changing of the terms.

    Other Settlement Tasks

    Before your lawyer can disburse your share of the settlement proceeds to you, he/she must deal with any liens against your lawsuit. A lien is a legal right to someone else’s assets. The two kinds of liens that usually exist in personal injury lawsuits are medical liens and governmental liens. Medical liens are liens from the plaintiff’s health care providers and health insurers. Governmental liens are usually from Medicare, Medicaid, or from a child support agency.

    Liens must be paid off before the plaintiff can receive anything from the settlement.

    What Happens After A Judgment In A Lawsuit Is Issued

    If you win your lawsuit at trial, the defendant will usually appeal. This is a long process. It will take a year or maybe even two years for the appeal to be heard and decided. The appellate court can do one of three things with the judgment:

    • uphold it (you win)
    • reverse it (you lose), or
    • send the case back to the trial court for a new trial.

    If the appeals court upholds or reverses the judgment and your state has two levels of appellate courts, either you or the defendant can appeal again to your state’s supreme court. The supreme court can then uphold or reverse the judgment or send the case back to the trial court for a new trial. If your case is sent back for a new trial, then you have to do the whole trial all over again. And after the second trial is over, either side can appeal (again!). You can see why most plaintiffs agree to settle their cases .

    What If The Defendant Has No Insurance?

    Lawyers rarely take cases against people with no insurance, and even more rarely settle or try cases against people with no insurance. This is because most people with no insurance have limited or no assets. There is usually no good reason for suing someone with no money.

    But occasionally there will be someone with some assets who for whatever reason does not have insurance — or who has only limited insurance. In such a case, the settlement procedures would be the same as in a case where the settlement or verdict was funded by an insurance company, except that your lawyer would certainly want to get a certified or bank check from the defendant before turning over the signed Release or agreeing to dismiss a lawsuit.

    Get the compensation you deserve.