Posted by Maria on Oct 28, 2013 in Pets | 0 comments
Training a dog takes a lot of patience, time, effort, and sternness. As the owner, you have to set the standard for what you will and will not tolerate. This takes time and can be frustrating. However, as long as you are persistent in your training, your dog will learn soon enough.
In order for your training efforts to work you must be consistent. To accomplish this, make sure all members living with the dog are involved and aware of the rules. That way, the dog doesn’t think he can get away with an act as long as he’s not around you.
Using treats to get your dog to do what you want is not necessarily a bad thing. This not only gets them to behave how you want, but it also reinforces the notion of “when I do this, I get a treat” in their heads. If you do this long enough, their actions will become natural and you won’t necessarily have to give them a treat every time.
Lastly, be sure to give your dog enough love, during training and always. Dogs are just like humans in the sense that they need affection. So, whether your dog did good or bad that day, it is important to give them love regardless.
Most people have no idea what coverage they have based on their policy. Even if one reads it carefully, chances are they will not understand what they have read. Insurance policies are typically couched in technical language that serves to obfuscate rather than inform the common person. Consequently, people who get insurance rely on the agent’s knowledge and explanations regarding what the policy covers and what it exempts.
Unfortunately, agents are not always reliable. By mistake or design, an agent may provide misleading information regarding a policy that could have disastrous results for the insured. Alternatively, the agent may also withhold information about the policy that could have considerable significance for the policy holder. If these errors of commission or omission impacts on what should have been a legitimate claim in the future, this may be construed as agent negligence. According to the website of Smith Kendall, these are fraudulent practices and is actionable under the law.
Insurance agents have a duty of care towards their clients, and should take reasonable steps to ensure that prior to purchasing an insurance policy the client has clear and accurate information regarding the terms and conditions of the insurance they are getting. It is not justifiable to say that it is in the policy and that the policy holder agreed to these terms when the policy was signed. In Texas, it is possible to make a claim against the agent, or a broker, for failing to provide the insured with the coverage they wanted, needed and expected.
However, proving agent negligence is not an easy task. It would require the knowledge and expertise of lawyers fully cognizant of insurance law of the state and how insurance companies operate to have any degree of success. Fortunately, reputable insurance law firms usually work on a contingent fee basis, which means the firm only gets paid when a claim is successful. It would mean getting the most compensation legally possible compared to no compensation at all if the claim is made without competent legal representation.
All drivers in the US are required to have car insurance. Drive without insurance in the US and you will find out more than you want about something called an SR-22 form. It is one of those consequences of a car accident that you can expect to suffer if you are not a responsible driver. Incidentally, what SR stands for is not clearly established, but then again neither is FR-19, which is what the form is called in Delaware and Maryland.
That being said, an SR-22, also known as a Certificate of Financial Responsibility or Financial Responsibility Filing is issued by an insurance company at the request of a driver in compliance with a state’s Department of Motor (DMV) requirements. Not all drivers are required an SR-22, but being caught driving without a license will change that. Other offenses which may also necessitate an SR-22 include driving under the influence of alcohol or drugs (DUI), having too many traffic violations, and a suspended or revoked license.
An SR-22 is essentially a rider to your car insurance; it is not car insurance in itself. The SR-22 basically assures the DMV that if the driver ever lets the car insurance lapse, the insurer will inform the DMV. It is usually issued at great expense to the driver, raising insurance premiums up to three times the normal because the driver is now considered “high-risk.” The actual costs will depend on the insurance company. Failure to submit a required SR-22 within 30 days can lead to a license suspension. The SR-22 rider typically has to be maintained for 3 years, but it would depend on the state.
However, some states do not require an SR-22. These are Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. So if you have no insurance, make sure that you are driving in one of these states to avoid an SR-22. You will still get sanctioned according to state laws, but an SR-22 would not be on your list of problems.
Posted by Maria on Oct 2, 2013 in Personal Injury | 0 comments
According to an article on the website of Tennessee-based law firm Pohl & Berk, LLP, truck drivers are not always to blame in a truck accident. A truck driver cannot control the driving behavior of other vehicles in the vicinity such as staying in the no-zone or talking on the cell phone, either of which could lead to a collision.
In most cases involving a truck, the injured party is usually the one in the smaller vehicle. And since large trucks such as 18-wheelers are harder to control and take longer to come to a full stop, a crash always seems to be their fault, but that may not be the case at all. A truck accident defense attorney would be able to initiate an investigation which may establish how much of the accident can be laid at the truck driver’s fault.
In some cases, the truck driver may be at-fault but the originating cause is the employer i.e. hiring incompetent drivers. In yet others, road conditions or the weather could be the causative factors. And then there are the cases when the truck driver is simply negligent, reckless or tired and endangers the lives of other drivers. All these things will come out in the investigation, in which fault can be assigned.
Of course, such investigations are seldom cut-and-dry. Many legitimate personal injury cases get dismissed; fault is erroneously ascribed; the true culprits are never made to pay for their actions. An article on the website of the Woodson Law Firm point out that such accidents often have a lasting and devastating impact on all concerned, but most especially for the innocent. It is the responsibility of the lawyer to make sure that the right facts come to light and justice is done both in criminal and civil court.
Motor vehicle accidents are normally associated with auto accidents because they are the most commonly occurring. Auto accidents are among the leading causes of injury in the US. But the fact is boats are also motor vehicles, and boating under the influence of alcohol consumption or BUI also carries stiff penalties.
According to the US Coast Guard’s collation of recreational boating accident statistics in 2002-2003, alcohol consumption is responsible for more than 20% of all boating accident fatalities and injuries but since non-fatal boating accidents are consistently underreported, that percentage may be much higher.
Recently, BUI laws have been made more stringent in some states, most notably Washington where a BUI violation now carries penalties as severe as that for drunk driving or DUI (driving under the influence of alcohol or drugs). A fine could be as high as $5,000 and one year in jail, compared to the old BUI laws which merely imposed a fine of $250.
In some states, a BUI conviction carries over to the offender’s state license to drive. This includes Alaska, Arkansas, California, Hawaii, Indiana, Louisiana, Massachusetts, Minnesota, New Hampshire, New Jersey, Oregon, Texas and Utah as of 2007 and Washington as of July 28, 2013. A BUI charge in these states may have serious consequences, especially if the operator has prior DUI convictions. In Oregon, for example, when a combination of BUI and DUI convictions reaches four, it becomes an automatic felony. In Massachusetts, it could mean a suspension of the motor vehicle license.
A BUI charge should not be allowed to reach a conviction as much as possible, especially in the states with stricter laws. A BUI defense lawyer would know how to go about having the charge dismissed or at least mitigated. This is especially important if one or more people were injured as a result. Aside from keeping the driving record clean, a dismissed charge denies a possible personal injury claimant a significant piece of evidence to prove the case.
Nursing home abuse is probably the worst kind of abuse because it often involves two things: a breach in the duty of care of medical personnel, although abuse may also be perpetrated by a fellow resident, and victims from the most vulnerable sectors of the population. It is bad enough that people in nursing homes are so old, so sick and so incapacitated that they need constant professional supervision; they are also too old, too sick or too incapacitated to defend themselves in the face of abuse.
This is why personal injury cases brought against nursing homes seem so horrific. The victims are helpless; consequently they either do not report it or are not believed. Abusers take advantage of this as well as their position to continue the abuse. Family members and friends should be more vigilant and be on the lookout for telltale signs. According to the website of The Law Office of Vic Feazell P.C., these abusers can be made to pay on both the state and federal level if the personal injury can be proven.
Unfortunately, personal injury cases are not always easy to prove, especially if the victim is not able or willing to come forward with a complaint. Victims of abuse are frequently fearful of reprisals because they are generally isolated from people who may be able to help them address the problem. A competent personal injury lawyer, according to the law firm of Habush Habush & Rottier S.C. ® in Racine, should be able to gather the needed evidence to pursue a civil case against the abuser and the nursing home even without help from the victim.
If you suspect that a family member or friend is a victim of nursing home abuse, do not hesitate to consult with a personal injury lawyer to assess the case. The effects of nursing home abuse goes beyond physical injury; it involves emotional distress and psychological trauma as well, which can be much harder to overcome.
It seems ridiculous, with all the attention on how high the numbers are on car accidents and the value of defensive and responsible driving, to finally earn a place in the statistics by backing into your garage. It is undoubtedly a car accident and is usually covered under property damage insurance, but it is perhaps not something that one can easily admit to or live down.
There are no figures available on the frequency for this type of car accident, so it probably does not happen too often. Several scenarios can lead to this incident, and not all are necessarily a reflection on a person’s driving ability. After all, garage doors are mechanical devices with moving parts that can fail, and most people presume that it will always work as expected. On the other hand, it could just be bad driving.
The good thing about this is that no one is likely to have gotten hurt except possibly for a bruised ego, but the same may not be true for the vehicle. The bad news is that it is likely a garage door repair professional will be needed to fix the damage. Garage doors are heavy, so even just putting back a derailed runner can lead to serious injury if done by an amateur. As mentioned earlier, this should be covered by homeowner’s insurance, so the best move would be not to try doing any repair but to report the damage to the insurance company.
If the damage makes the garage door difficult or impossible to use or poses a security risk, do not wait for the adjuster to inspect it. Take pictures of the damage, and get a garage door repair company to fix it. Make sure to keep job estimates, invoices and receipts to support the insurance claim.