Archive for the ‘Travel Insurance’ Category
Seatbelts Save Lives!
The Government introduced the compulsory seatbelt law 25 years ago. It says that this has saved prevented 60,000 deaths since 1993.
However, a significant number of people are still ignoring the compulsory law to wear a seatbelt in the rear of cars which came in 17 years ago. Surveys suggest that many people still do not realize it is compulsory to wear a seatbelt in the rear of cars. Without a seatbelt you are 30 times more likely to be thrown from a car after an accident, and three quarters of people thrown from a car are killed!
Even if you are fortunate enough not to be killed when not wearing a seatbelt, you are much more likely to be seriously injured if you fail to wear a seatbelt. Most new cars are fitted with safety devices designed to minimise your injury in the event of an accident. But all of these systems are designed to work most efficiently when the user is wearing a seatbelt.
In addition, if you are involved in an accident and suffer injury whilst not wearing a seatbelt, any claim for compensation will be reduced by at least 25% for “contributory negligence”, in effect, your decision not to protect yourself whilst wearing a seatbelt.
1stClaims Director Comment
As a personal injury solicitor myself dealing with accident compensation claims for 14 years I have seen the horrific results that can be caused by a road traffic accident. I have also heard many other dreadful true stories. The worst one was from a solicitor friend of mine. Please read on if you do not wear seatbelts, or a member of your family doesn’t.
My friend was acting for the girlfriend of a deceased passenger who had been sitting in the same car as she had when they were involved in an accident. He has been sitting directly behind her in the rear of the car when the collision occured but had not been wearing his seatbelt.
At the inquest the girlfriend asked the coroner what would have happened if her boyfriend had been wearing his seatbelt. The coroner replied that sadly there would probably not have been an inquest because the boyfriend would have survived.
It is tragic events like this, and the death of Diana, that prove beyond doubt that wearing seatbelts is compulsory for very good reason, it saves lives.
Please ensure that you wear seatbelts, not only to comply with the law, or not even to, but to ensure your loved ones do not need to hear the coroner tell them what happened if you had not been so stubborn and put your seatbelt on.
Nicholas Jervis, Director.
If you have been involved in a Road Accident, you need prompt and efficient attention. You need a replacement car, often treatment, and help with your insurance claim forms. We can provide all of this assistance and much more. You do not need to be left alone to cope, take some help from the experts. http://1stclaims.co.uk is run by a non practicing personal injury solicitor with over 14 years whiplash and road accident claims experience.
By: Nick Jervis
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Avoiding Weight Gain during Holiday Season
1. Eat regular meals and snacks throughout the holidays. You may be tempted to skip meals to save calories for holiday parties or big meals, but this only slows down your metabolism. If you arrive at a party or dinner famished you are more likely to make poor food choices and eat a larger portion than if you were not hungry. Consider eating a protein bar before you go out so you are not hungry when you arrive.
2. Divert your attention. The holidays are about a lot more than food. Focus on and look forward to enjoying your family and friends’ company, dancing or playing a game (not the food you plan on eating).
3. Make healthy contributions to the holiday menu. Traditional food does not have to be drenched in butter, cheese or chocolate to be good. Modify your favorites to reduce calories, fat and sugar. I Can’t Believe It’s Not Butter spray and Splenda are excellent products that when used in place of regular margarine and sugar can cut the calories and fat content by 75 percent or more and will taste just as good as the original. Consider substituting applesauce for sugar in cookie recipes.
4. Step up the exercise. The holidays can be a busy, stressful time. Set a goal to get in at least 30 minutes of physical activity every day. Especially on the big day, get the entire family involved and encourage everyone to go for a walk or play a fun game of football in the yard after the big meal. And if you go for a walk, use hand weights.
5. Outsmart the buffet. When dinner is served, use the smallest plate available (try to get a salad plate) and don’t stack your food. Fill your plate once and don’t go back.
6. Be choosy about sweets. Limit your indulgences to one serving of what appeals most to you. Chances are there will be multiple desserts offered. Don’t think that getting small portions of each one is smarter. Pick the dessert you would enjoy having most and eat one full portion of that.
7. Get out of the kitchen. Once you have filled your plate, move to another room and enjoy engaging in conversation. If you are helping with cleanup, chew a piece of gum to keep you from nibbling on leftovers.
8. Pace yourself. This should always be the rule and not just during holidays. Focus on chewing slowly and be conscious of when you are full. You should take about 20-30 minutes to eat a meal as it takes your body 20 minutes to register that you are full. Try putting your fork down between bites to help you do this.
9. Limit alcohol. Alcohol has a lot of calories, but it also lowers your inhibitions and you will not have as much control over your food choices. Make every attempt to avoid eggnog (it is astonishingly high in calories) and if you are going to have a mixed drink, use diet beverages as your mixer.
10. Give non-food gift items, such as gift cards or sessions with a personal trainer. Making cookies and brownies usually means licking the bowl and taste testing, which means more calories. Most people receiving these gifts are also concerned about holiday weight gain so they would probably prefer a non-food item. If you receive such a gift, enjoy one serving and put the rest in your freezer to enjoy over the coming months.
By: john willow
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Quoting & Saving just got easier…Easy To Insure ME Health Insurance Quotes… Quote all carriers in seconds
Florida Car Accident: Settlement Question
The following is an expert answer given by Florida Auto Accidents Lawyer, Joseph M. Maus, and taken from AllExperts.com, a free Q & A service on the internet:
Question:
One month ago, in my vacation time, somebody hit my car from rear. The car was called total loss and I got paid for that. There was a little pain in my back for a few days. I needed to go overseas so I did not seek medical examination and treatment. While overseas, I got a medical examination (x-ray and MRI), the results were all OK and I paid only a very small percent of the actual fees.
When I got back, the insurance company contacted me and offered $300 for settlement. In the pain and suffering perspective, I am OK with the offer. But, although I was out from my company with a paid leave, I have losttime from my holiday time due to time spent in and after accidents abroad (medical examination, buying a new car etc). The insurance company’s adjuster told me that, as I was on vacation, they are not going to compensate that.
It does not sound meaningful to me so I wanted to take advice from an expert.
Thank you.
Answer:
I am an attorney in Florida, so I can only speak about what type damages you can recover in a Florida car accident. If you were injured in a Florida car accident, you can recover damages for medical bills, lost wages, and pain and suffering, and any other out of pocket expenses incurred as a result of the accident. Based upon an impact which totaled your car, an offer of $300 is very low, however their offer is going to be based upon whatever injuries you suffered and the amount of medical care you have received.
Your email states that you have lost holiday time due to time spent from the accident. If you accrue that time, and can be paid whatever time you have accrued if you were to leave the company, then that is an out of pocket expense that you have incurred and the insurance company should have to reimburse you. If the time you are referring to is just your vacation time, and you would have been taking that time regardless of the accident, then the insurance company is probably not responsible for paying you for that time. It sounds like the insurance adjustor may be confusing the vacation time being used when the accident occurred, with time spent after you returned from vacation for medical visits and buying a new car.
As for pain and suffering from a Florida car accident, Florida Statute section 627.737 states that “a plaintiff may recover damages in tort for pain, suffering, mental anguish, and inconvenience because of bodily injury, sickness, or disease arising out of the ownership, maintenance, operation, or use of such motor vehicle only in the event that the injury or disease consists in whole or in part of:
(a) Significant and permanent loss of an important bodily function.
(b) Permanent injury within a reasonable degree of medical probability,
other than scarring or disfigurement.
(c) Significant and permanent scarring or disfigurement.”
The value of your claim depends on a combination of factors such as any lost wages you may have suffered or may suffer in the future, money paid for medical bills, bills that remain outstanding, or medical bills you may have in the future, and pain and suffering, past and future. So, if you only received a small amount of medical care, I am guessing that there has not been a doctor that has stated you suffered a permanent injury as a result of the accident. Without that type of medical opinion, you are not entitled to recover damages for pain and suffering. This is most likely the main reason the adjustor is offering such a low amount.
Your state may have different laws, so it is important to check with an attorney specializing in auto accident claims in your area if you intend to pursue the claim further. My suggestion would be that if you are still experiencing any problems from the injuries, and want to get more medical care, do not settle the case for $300. Settling at this point would require you signing a General Release which would bar any claims down the road in the event your injures did not go away on their own. But, if you are going to get more medical care, you should do so now; don’t wait.
If you are in Florida, I would be happy to discuss your claim further. Most car accident personal injury lawyers will meet with you for a free consultation before you decide to hire a lawyer. If you are out of Florida, you should definitely try to speak with an experienced car accident personal injury lawyer before you settle your claim.
Good Luck.
For more answers to questions about a Florida car accident, contact the Florida auto accident lawyers at Joseph M. Maus, P.A.at 1-866-556-5529 or email them today.
By: Joseph M. Maus
About the Author:
South Florida Attorney Joseph M. Maus and Associates has been helping victims of injuries and accidents for close to 16 years. The firm prides itself on having the resources and experience of the largest state-wide law firms, yet providing individualized attention to each and every client.
Caffeinated Content – Members-Only Content for WordPress
Is travel insurance a requirement to travel to the USA?
By: Rick B
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Where can i get travel insurance in Ukraine to travel to the UK?
By: Adam C
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How does Travel Insurance work with Lost/stolen luggage?must you have receipts for everything in bag?
and once you make a claim how long does it take for you to get reimbursed?does it happen while youre still on vacation?
Thanks
By: MaikelCuminme
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How do I get travel insurance if I’m not a resident of the country I live in?
By: danxav
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Travel insurance that will cover my laptop and camera?
**I am not looking for renters insurance, just travel insurance.
By: buttercup
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