Personal injury attorneys and lawyers typically represent clients (plaintiffs) who have been injured either financially or physically due to the fault of another.
A personal injury lawyer is usually experienced in a wide variety of personal injury topics, ranging from automobile accidents and medical malpractice to drug litigation and defective products.
Personal injury attorneys often work on a contingent basis, acquiring no fees unless a recovery is made in a case.
WHO IS ELIGIBLE TO FILE A PERSONAL LAWSUIT- Personal injury lawsuits are filed by the victim of a personal injury against the liable party in order to seek compensation for damages. Personal injury lawsuits can be brought against a party for negligence, strict liability or intentional wrongs.
A party can be charged in personal injury lawsuits for negligence if they failed to Personal injury lawsuits can be brought under a variety of circumstances. Personal injury lawsuits can be filed for car accidents, work injury, drug injury, medical malpractice, nursing home abuse, slip and fall injury, exposure to toxic materials, dog bite injury, and in cases of wrongful death prevent injury.
In personal injury lawsuits, a victim seeks compensation for the injuries they have suffered. Compensation can include medical expenses, disability or deformity, loss of income and pain and suffering.
Most personal injury lawsuits can be settled out of the court system through negotiations with an adjuster from the defendant 's insurance company. If negotiations cannot be reached in this manner, a Complaint of Law can be filed in the appropriate civil court.
The laws regarding personal injury lawsuits in each state are different. All states have a statute of limitations which places a time restriction on when personal injury lawsuits can be filed. In personal injury lawsuits, two things must be proven by the victim.
The first thing that must be established is that the defendant was, in fact, responsible for the injuries that were incurred by the victim. The extent of the damages also must be proven in personal injury lawsuits.
HOW A INJURY LAWYER HELPS IN SETTELING A PERSONAL INJURY- Personal injury settlements are the awards given to the victim in a personal injury case.
A personal injury case is governed by tort law which protects individuals from civil wrongs committed by another, either intentionally or as a result of negligence. Personal injury settlements can include compensatory damages and punitive damages.
Compensatory damages in personal injury settlements are intended to place a victim in the same position they were in before the injury. Personal injury settlements may be possible in three different types of personal injury that occur in a variety of circumstances.
Personal injury claims can be filed for negligence, where victims are injured because the responsible party failed to prevent injury.
An experienced and qualified personal injury attorney protects the rights and interests of the injured victims and works to insure that they are justly compensated in personal injury settlements.
What is a Personal Injury Lawyer?
Free Car Insurance Quotes: The Process
Although you probably know what a free car insurance quote is all about, there is a good chance that you do not know the process of obtaining one of these. But even if you do not know everything about car insurance quotes, you should still be able to benefit. After all, this industry is doing whatever it can to cater to the consumers.
To obtain a free car insurance quote you must first start out by finding a site that offers this service. There are two options. You can go to each insurance company's website and fill out their quote form, or you can find an online broker that works with a number of insurers. Both ways have their advantages, and when it comes down to it, you can do whichever you think is best.
The next step is to provide accurate information on yourself as well as what you are looking for. If you mess up even one detail you may find an inaccurate quote in your hand. In turn, this could lead to a huge shock down the line when you are told that you cannot get the price of the original quote.
From there, you will want to make sure that you compare at least three free car insurance quotes. Getting one quote is a great place to start, but this is not where you should finish. Even if your first free car insurance quote looks great, you never know what the competition is going to do for you; that is until you get quotes from them as well.
In the end, your final step is to purchase a policy from the free car insurance quotes that you have received. This may be the most difficult decision that you are faced with; especially if there are a couple of policies that you like.
The process of obtaining free car insurance quotes is not as hard as you may think.
MAKE LOAN PROCESS BECOME EASY
Documents Needed to Obtain VA Home Loan
The most important thing to understand is that the loan approval process is 100% dependant on documentation. To insure a smooth transaction, it is imperative that you have all of your documents gathered prior to you initial loan application. Following is a list of all the documents you will need. Please feel free print this screen and use this as a checklist.
Employment Information
- Most recent two years complete tax returns with all schedules.
- Most recent two years W-2's, 1099's, etc.
- Most recent pay stubs covering one month period.
- If Applicable: Self-Employed will need Three years Tax Returns and YTD Profit & Loss Statement.
Savings Information
- Most recent three months complete bank statements for any and all accounts with all pages.
- Most recent statement from retirement, 401k, mutual funds, money market, stocks, etc.
Credit Information
- Most recent statements from your bills, indicating minimum payments and account numbers.
- Name, Address, and Phone number of your landlord, or 12 months cancelled rent checks.
- If Applicable: Should you have no credit. Copies or your most recent utility bills will be needed.
- If Applicable: Copy of complete Bankruptcy and Discharge Papers.
- If Applicable: If you co-signed for a mortgage, car, credit card, etc, need 12 months cancelled checks. front and rear, indicating you are not making payments.
Personal Information
- Copy of Drivers License.
- Copy of Social Security Card.
- If Applicable: Copy of complete Divorce, Palimony, Alimony Papers.
- If Applicable: Copy of Green Card or Work Permit.
- If Applicable: If you own another home(s) - see below
If a Refinance or you own Rental Property
- Copy of Note & Deed from current loan.
- Copy of Property Tax Bill.
- Copy of Hazard (homeowners) Insurance Policy.
- Copy of Payment Coupon for current Mortgage.
- If Applicable: If property is multi-unit, need Rental Agreements.
Additional documents may be needed upon review of your file and on a case-by-case scenario. Once you have applied for your mortgage and the lender has received your documents, additional documents may be requested.
What is Federal Consodilation Loan?
A Federal Consolidate Loan is a loan that repays all your outstanding eligible federal student loan and replaces tha multiple payments you may be maing each month with a singlr student loan payments.This loan is not to be confused with private consolidation loans which may consolidate other types of debt (credit cards,private loans,rtc,.)in addition to student loans, but do not have the same benifits as a federal consolidation loan.
How do i apply for a Federal Consolidation Loan?
- STEP 1: Obtain all of your student loan information: loan tyoe,current balance,lender's name and address,account number,and the current interest rate.
- STEP 2: Gather all of your personal information (address,home telephone number. Social ecurity number, e-mail address, driver's license number, date of birth and two references) and employer information (name, address and telephone number).
- STEP 3: Select a lender you would like to work with. Here's a tip: if one of your current lender offers consodilation loans, you may want to consider working with them since they already have your loan information on file.
- STEP 4: Make sure your total loan balance meets the lender's minimum requirement to obtain a consodilation loan.Some lenders requires a minimum of $7,500 to consodilate; some requires $15,000.These amounts will vary from lender to lender.
- STEP 5: Complete a consolidation loan application,The application process may include the ability to complete an on-line application, downlaod and print application or request a paper application by telephone or e-mail. Some lenders will allow you to complete an application over the telephone. Make sure you have all of the information in steps one and two ready before you make calls.
- STEP 6: Choose a repayment plan.The lenders will offer you several repayments options.Review and pick the one that best suits your financial situtation.
- STEP 7: Read and sign the promissory note.Some lenders may offers you the option of signing electronicaly; pthers may only yake a signed paper promissory note.Either way,you accept the loan with your signature.
- STEP 8: Maintain your payment schedule with your current lender.Funding fot the consolidation loan can take six to ten weeks to process depending upon the lender; it is the important to keep maing payments to your current lender if you are in repayment status.
- STEP 9: Review the laon disclosure statement.After your loan is disbursed, a disclosure statment will be sent to you. It will contain detailed information regarding your new consolidation loan. Review it to make sure all loan information is correct and keep it in your files.
Claim Process
This information is intended as a general reference only. You should thoroughly review your policy so that you are aware of specific definitions and conditions that apply to the insurance coverage you purchased.
Insurance policies are contracts between you and your insurance company. You should understand the policy before a loss occurs. Review your policy with your insurance broker so you'll know what's covered.
Filing Your Claim
- Contact your Broker about your loss. If the loss or damage is not an emergency you may contact your Broker on the next business day. If the loss or damage is an emergency, you may contact your broker or the nearest office to report your claim.After Hours Claim Emergency Number.
- Report any burglary or theft to police. In many areas all personal injury automobile accidents and all accidents resulting in property damage in excess of a certain dollar amount must be reported to the police.
- In the event of an accident, phone your Broker immediately, regardless of who may have caused the accident. Ask questions such as "What coverage do I have ?" "How long does the claim process usually take ?" Who is responsible to obtain damage estimates?" "Does my claim exceed my deductible?
- As soon as it is safe to do so, make temporary repairs and take other steps to protect your property from further damage. Save receipts for what you spend and submit them to us for consideration. Remember that payments for temporary repairs are part of the total settlement.
- You may be required to submit various forms or documents in support of your insurance claim. Examples are: "proof of loss" forms; medical invoices; repair bills and a copy of the police report. Your insurance broker or the adjuster will help explain what is needed. Return the properly completed forms as soon as possible.
- Let us know where you can be reached.
- Maintain records of your expenses and copies of your paper work. Also retain copies of whatever documents and correspondence we provide to you.
A Consumer Protection Document
- When selling an insurance policy, the client’s interests take priority over the interests of insurance companies, agents, brokers and representatives.
- The product recommended must be suitable to the client’s needs.
- Consumers have a right to privacy as outlined in the federal Personal Information Protection and Electronic Documents Act (PIPEDA). In general, information will be used only for the purpose for which it was collected, unless the client provides proper authorization, and except as permitted by law.
- An insurance company cannot cancel or non-renew coverage or increase a premium for an incident which results in no claim being paid.
- Consumers have a right to know the insurance companies an agent, broker or representative represents for the product being sold.
- Consumers have a right to know any conflicts or potential conflicts of interest the agent, broker or representative may have.
- Consumers have a right to know ownership and financing arrangements between agents, brokers or representatives and insurance companies they represent.
- Consumers have a right to know compensation arrangements that agents, brokers, or representatives have for the product purchased, including the amount of commission being paid for the transaction.
- Consumers have a right to know in writing why any insurance coverage has been denied, non-renewed or cancelled and any notice period required by law to cancel the policy.
- Consumers have a right to know the complaint resolution process of the insurance company.
- At point of sale or renewal an agent, broker or representative must provide the following
information:
- The full range of deductibles available and the cost of insurance applicable with each
of the deductibles.
- The various coverages available, the cost of these coverages and any discounts
available.
- The total premium of all quotations obtained for the product being sold, and, upon
request, a detailed breakdown by coverage of the premiums quoted.
- Upon request, the above information is to be provided in writing.
Why Do We Need Insurance?
MORTGAGE PROTECTION
A house is more than just a "house," isn't it? If you've laughed in it, cried in it, and lived in it, it's a home—your home. If something should happen to you, will it remain with those who have shared it with you? A life insurance plan can assure that your home stays with your loved ones.
FAMILY INCOME
You have worked hard to bring your family's standard of living up to where it is. You shouldn't be willing to give that up—no matter what. They say "you can't take it with you," but earning capacity goes when you do! There is a way to guarantee that they will never have to sacrifice that standard of living, whether you are here or not. Life insurance.
EDUCATION FUNDS
Few things concern parents today more than helping their children get a college education. If costs continue to rise, a private university's annual cost exceeds $30,000! Money like that can be hard to come by. What can you do about it? Make sure your children have the same opportunities for education whether you live or die.
RETIREMENT RESOURCES
Thought about retiring lately? When you do, figure out how much money you'll have. Then think about a life insurance plan that will provide more. Retirement benefits such as Social Security are nice, but do you know how much you'll get? Pensions are a plus, but will they be enough? Supplemental income is usually necessary.
EMERGENCY FUNDS
The furnace breaks. The car goes on the blink. The roof leaks. Someone in the family becomes ill. Everyday occurrences in households all over the country. What do you do? Life insurance can help. The cash and loan values of a whole life policy are available to you when emergencies happen. Or even to provide cash for some other event.
FINAL EXPENSES
The unfortunate truth is that the last thing you'll do on this earth is create a debt that you won't be around to pay. Final expenses may include burial costs, unpaid bills, and excess hospital bills over health insurance payments. The emotional drain on your family should not be aggravated by concern about money. Not if you can help it. And you can.
LONG TERM CARE
The years ahead are precious, and you want to spend plenty of time with your children, your grandchildren, and even great-grandchildren. But financial burdens can create tension in the closest families. In fact, protecting families from economic hardship was why the Knights of Columbus was founded.
