If you were recently involved in a car accident and suffered personal injuries as well as injuries to your vehicle and personal property, you are going to be offered a settlement from your insurance company. It is vitally important that you get the money that you deserve so you can cover all of your bills and other accident-related expenses. Here are three tricks that will help you get the settlement that you deserve.
#1 Detail Financial Impact Of Accident
The first thing that you need to do is craft a document that shows the financial impact that the accident had on your life. This document should include all the medical bills that you incurred, down to any prescriptions that you had to fill. Next, this document should include a breakdown of all the days of work that you had to take off due to the accident as well as the amount of money, before taxes, that you would have expected to bring in if you had been able to work on those days. Then, the document should include all car related expenses, such as body work, mechanical work, and rental car costs.
It is important that you sit down and figure out all the of the figures above so that you are able to realize the financial impact that the accident has had on your life. Having this detailed information will also help you understand what is a good offer and what is a poor settlement offer from your insurance company.
#2 Write A Formal Demand Letter
Second, you need to write a formal demand letter to your insurance company. This demand letter should include the basic details of your accident, basic details of the injuries that you suffered and detailed written description of the impact that the accident has had on your life.
At the end of the letter, you need to state your specific compensation demand that you want to receive for your injuries. This is the first major step with the insurance company towards getting the settlement that you deserve.
#3 Ask For More Than You Want To Settle For
When you make your settlement demand in your demand letter, it is vital that you write down a larger amount than you actually want to get because your insurance company is almost guaranteed to want to negotiate and go back and forth over the numbers with you. For example, if you calculated that your accident related expenses were $20,000, you should ask for at least $30,000 in your demand letter. Always ask for more so that you will not have to settle for less.
#4 Don’t Go With The First Offer
Finally, after you submit your demand letter and get a settlement back from your insurance company, don’t feel like you have to go with the first offer that your insurance company offers you. If they offer you the amount you asked for, then it is okay to take the settlement. However, if your insurance company offers you $15,000 when you asked for $30,000, counter their offer and ask for $23,000 and include additional information from your financial impact calculations that you figured out in step one. Hopefully, you will get a counter-offer closer to the $20,000 that you actually want.
Remember that getting the settlement that you deserve is a multi-step process and if you want to ensure that you get a fair amount, you need to be actively involved in the process. For more information, contact a personal injury attorney.Learn More
While most people associate work related injuries with sudden accidents in industrial settings, there is another category of injury that is somewhat slower to show up. Any action done over and over again, day to day, can result in a repetitive stress or strain injury. If allowed time to heal, these affected muscles, tendons, joints, and ligaments can spring back to health, but for those whose jobs depend on making the repetitive motions, healing never happens. These injuries often begin to become more apparent over time, and by the time you notice the pain the injury is already serious. If you are suffering from a repetitive stress or strain injury, you should know that you are just as entitled to workers’ comp benefits as anyone, so read on to learn more.
Common Repetitive Stress or Strain Conditions
Most everyone has heard of carpal tunnel syndrome, but there are many medical conditions that can be classified under the repetitive stress or strain injury umbrella. Some of the most common conditions are:
Carpal Tunnel Syndrome – Many people may be surprised to learn that the word “tunnel” in the name of the condition refers to an actual tunnel in the wrist. This important nerve passageway can get compressed with constant use, and result in swelling, numbness, and pain in the hand, fingers, and wrist areas. People who use their hands a lot at work are more susceptible to this disorder, including computer keyboard users and small assembly line workers.
Bursitis – If your joints actually make noise when you move them, you may have this disorder. Elbows and knees seem to be especially vulnerable to bursitis, and the audible crunching and crackling sounds are usually accompanied by pain and tenderness.
Tendinitis – The name of this disorder is a dead giveaway to the location of the impact, your tendons. Tendons form the attachment between muscles and joints, so you can only imagine how painful and widespread the inflammation can be. Often, symptoms start with a feeling of unusual warmth and then progress to sharp pains and immobility. This condition often affects those who use their arms and legs repetitively, such as heavy equipment drivers.
Getting Approved for Workers’ Comp
1. Seek medical attention as soon as you notice pain or other symptoms that don’t go away. Many repetitive stress injuries worsen over time and without treatment, and you may end up with permanent damage if you don’t act quickly enough. Make it a point to let the doctor know that your injury is likely related to the repetitive motions required by your job.
2. As soon as you know that your injury is work-related, inform your supervisor and ensure that a workers’ comp or accident report is filed (the exact procedure can vary by state, but your supervisor is responsible for taking action).
3. Stay in treatment. Your doctor will very likely prescribe analgesics and, most importantly, resting the affected area. Your workers’ comp will pay you a portion of your salary, so stay home to prevent further damage to the affected area. Failure to abide by the doctor’s orders, to seek medical care or to stay in treatment can make it appear that your injury is not serious enough for workers’ comp benefits.
If you feel that your claim is not being taken seriously, speak to a workers’ comp attorney as soon as possible. Click here for more info on this topic.Learn More
If you’ve recently been diagnosed with a disability that will prevent you from working, you’re probably worried about how you’ll support yourself. That’s where Social Security disability benefits come in. Even if you’re not old enough to retire, you may still be eligible for benefits through the Social Security Administration. The disability program is designed specifically for individuals who’ve paid into the system, but aren’t old enough to retire. In addition to receiving benefits for yourself, you may also be able to receive benefits for certain family members. Here are the eligibility requirements for you and your family members.
If you’ve been paying into the Social Security system, you may have earned enough credits to qualify for Social Security disability benefits. For each $1260 you earn each year, you’re allotted one Social Security work credit. If you’re disabled and your disability is expected to last at one year, you may be eligible for Social Security disability benefits.
If you’re married at the time you become disabled, your spouse may be able to collect Social Security disability benefits as a result of your inability to work. There are two eligibility requirements that your spouse will need to meet. First, your spouse must be the caregiver for children under the age of 16 – or a disabled child of any age – or be at least 62 years of age. If your spouse meets one of those requirements, you should apply for spousal benefits as well.
If you’re unable to work due to a disability, your children may also qualify for Social Security disability benefits. In order to qualify for benefits, your children must meet the following eligibility requirements.
If your children are under the age of 18, attending school full-time and living at home, they may qualify for dependent benefits under your disability claim. It’s important to note that they must also be unmarried.
Under certain circumstances, children may continue receiving dependent benefits even after they turn 18 years of age. If you have a child who has not turned 19 years of age and has not graduated from high school yet, they may still qualify for dependent benefits.
If you have a child who suffers from a disability, they may be eligible for dependent benefits until they turn 22 years of age.
If you have a disability that prevents you from working, make sure that you have the benefits you need to provide for yourself and your family. If you’re not sure how to apply for Social Security benefits or you’ve had your application denied, be sure to speak to a Social Security attorney as soon as possible.Learn More
A trademark registration is the heart and soul of any business. It’s safe to say that it’s what legally protects your brand and services. When your trademark is in jeopardy, so are your profits. However, even with this understanding, a number of small businesses unknowingly put their brands at risk every day. Make sure you know what mistakes to avoid.
Failure To Keep Information Current
Once your initial application has been approved, you receive a legal trademark for your organization. However, don’t at all think you are automatically locked in to keep this trademark registration forever. It is imperative that you keep all of your registration details up to date in order to ensure this. Even the slightest error can cause your trademark registration to be cancelled, leaving you vulnerable.
One example of this is a business description that is no longer representative of the services or goods you offer. To put this in perspective, consider an HVAC company. When their business began, they only sold units to consumers who could then have the unit installed by the contractor of their choice. However, now their business model involves selling, installing, and maintaining units. This change in operational practices must be reflected in their trademark registration file or it could be in jeopardy due to inaccurate information.
Disregarding The Competition
A particularly common problem among smaller businesses is the practice of disregarding the competition. There is often the idea that because their business is so small, surely there isn’t a competitor who would even try to infringe on their trademark. This is a real mistake. If you have a product or service that is profitable, you are at risk for infringement, regardless of the size of your organization. Always keep your eye out for possible infractions.
While your competitors aren’t the enemy, the motto to keep your friends close but your enemies even closer, should be applied in this instance. Make it a point to frequently review the product line for any competitors. Whether it’s a blatant infringement, such as using the name of your product, or something subtler like using similar marketing colors, keep your eyes open so that you can take swift action to protect your brand.
Protecting your business’s trademark should begin and end with you. However, from the initial application process to registration updates to handling infringements, let an attorney work with you to protect your businesses and everything you’ve worked for. You can contact a trademark attorney at a firm like Mohajerian A Professional Law Corporation.Learn More
If you were involved in a car accident, and you have decided to go after the driver of the other vehicle via the court system in order to obtain compensation, you need to make sure that you obtain your police report. Here are three ways that your police report can influence a personal-injury case.
#1: The Scene
When the police respond at the scene of an accident, they will act as a neutral observer to what happened. In their police report, they will write down and detail what they observed when they arrived at the scene of the accident. More than likely, they will create a diagram that shows where each vehicle was located when they arrived and will note any property damage or skid marks on the road as well.
The police report should also contain details that the drivers may have overlooked or failed to note the day of the accident, such as what the weather was like, what the visibility was like, and what the lighting was like on the road that the drivers drove on. All of these details can help paint a clearer picture of what happened and who is responsible.
The polices observations can help establish the scene and back up your version of events.
#2: Witness Statements
When the police arrive, they will also gather statements from everyone involved in the accident. The police will write down as close as they can what the other people involved in the accident say word for word when they interview them. The information that the police obtain may help you establish your case.
Additionally, the police may interview other witnesses that you are not aware of. You can use these witness statements to build your case. Your attorney can even contact these other witnesses and see if they are willing to testify if your case goes to court or if they have additional statements to add or any video or photographic evidence from the scene of the accident.
#3: Tickets Issued
The police are responsible for determining if anyone broke in law in the course of the traffic accident. If they determine that you or the other drive broke the law, tickets will be issued at the scene of the accident or after an investigation if the scene of the accident was particularly complex.
Any tickets issued should be detailed in the report. If the other driver was issued a ticket and you were not, that can strengthen your claim that you were not at fault for the accident.
If you are pursuing a personal-injury case due to a vehicle accident, make sure that you obtain the police report from the department that responded to your accident. The information in the report could strengthen your case and improve your chances of winning a settlement.
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When your teenage child gets in an accident, and they were driving, it’s natural to be in some shock. However, once the shock passes, if your teenager was hurt, you might start to feel that an auto injury claim would be valid. Even though you weren’t present, you can help your teen to build a strong case. Here’s how.
Take Them to the Doctor
Your teen may say that they feel fine, even if they have sustained injuries, but it’s best to have a doctor look at them and confirm that they’re okay. Even if they don’t need to have a serious procedure, their being seen leaves a paper trail that proves that your child did seek medical attention for injuries. Not only that, but some injuries are not immediately recognizable by those who aren’t medical professionals; let a doctor rule out a hemorrhage, internal bleeding, or a concussion, for instance.
Have Them Write a Report
While the police might have been called to the scene of the accident and can provide an official report, it is also smart for your teenager to write a brief report of their own observations and actions. The report should include information about what was happening before the accident and details about the weather, the condition of the road, and anything else they might forget as time passes.
It’s important to remember that to avoid getting into trouble, teenagers might feel the urge to hide information or lie about certain details. They might not want you to know that they were with a friend you don’t like, for instance. You are likely to know your teen very well and know when they aren’t being truthful, so encourage them to be honest with everyone involved; you never know when a minor detail could be helpful to the case.
Monitor Their Social Media
Teenagers are big fans of social media and are often online talking to their friends and others online through their profiles. It is vital that your teen knows that they should not be mentioning anything about their case. Not only can rumors fly, but social-media posts and pictures could cause problems. Investigators from insurance companies are starting to research through the Internet more often; if they come across your teenager bragging or talking about how great they feel after their accident, that could be bad for their claim. If your teenager is posting pictures that make them look like an unsavory character, someone could claim that it’s reasonable to assume that your child was at fault.
While you might not want to shut down or deactivate their social-media profiles, tell them to only allow close personal friends to view what they are saying and remind them that what they’re saying and posting could be seen by everyone.
You can help your teen driver to behave wisely after they’ve been in an accident. Retain an auto injury lawyer, such as one from Knafo Law Offices, who can help your teenager’s claim to be successful.Learn More
Whether it is through divorce, custody decisions, or arguments with the parents, grandparents sometimes find themselves with no access to their grandchildren. All they want to do is see their grandchildren growing up, before they have no time left. It leads to them wondering if they would have visitation rights. Here’s a look at the question, as it isn’t a straight yes or no answer.
It Depends on the Circumstances
There are certain circumstances where the grandparents won’t have any rights. One of those is in the case of adoption. The birth grandparents would lose their rights, just like the birth parents do. Grandparents may be able to strike deals with the adoptive parents, but there are no legal requirements.
Cases of abuse in the family may lead to grandparents losing all rights. This will usually be the parents of the abuser or someone the courts believe will put the child in danger.
In most other cases and most states, there are rights awarded to grandparents. Court-mandated visitation may be set if parents and grandparents can’t come to a decision.
There are cases where the rights to grandparents have been deemed unconstitutional. This happened in 2000 by the United States Supreme Court. In the case of Troxel v. Granville, the Court ruled that Washington statute violated the parents’ rights, and rights of the grandparents cannot go against the parents’ rights to raise their own children.
Based on this, Washington and other states made changes to their statues. You’ll need to check the statutes for your specific state to find out the details of your visitation rights.
Considering the Needs of the Child
Like with all custody battles and visitation cases, the needs of the children will always be put first when it comes to grandparents. The court will look at whether grandparents and parents are able to offer the children everything needed or if there are dangers with the visits. Grandparents must convince the court that it is in the best interest of the child to allow visitation by showing that they are able and fit to take care of the children. This includes living arrangements, income, and psychological well-being.
Prior relationships with children tend to be considered in these circumstances. The mental state and age of the child may also be considered, as judges will not want to put unnecessary pressure on children by going through court cases.
There is no instant right to visitation for grandparents, the parents decide if the grandparents can see the child in most cases. However, there are instances where grandparents can go to court to fight for their rights to have or see their grandchildren.
To learn more, contact a law firm like Thomas & Associates, PC.Learn More