Most Dangerous Driving Habits

Posted by on Mar 14, 2017 in Uncategorized | 0 comments

Traffic accidents may inflict force strong enough to seriously injure or kill you, so it is important to always be diligent in driving and be mindful of the surroundings. But there are other drivers who do reckless behaviors. This is especially true for those who are experienced, because they are too complacent that nothing bad is going to occur despite their dangerous actions.

But according to the website of the Amerio Law Firm, those who have been injured in an auto accident due to someone else’s negligence may have legal options that they can pursue. This proves that the law and its professionals are not very friendly towards dangerous driving habits.

Driving under the influence
There are certain products that can physically and mentally impair you, putting you at risk of crashing your car. The most prominent examples of these products are alcohol and drugs. If you are under the influence of alcohol or drugs, you have limited bodily functions, which will then limit your driving capabilities and safety.

Distracted driving
Getting distracted is a common sin among drivers, experienced and inexperienced alike. They browse their mobile phones, adjust the radio, and get too engaged in conversation with passengers. Anything that puts your eyes off the road and your hands off the steering wheel is considered a distraction.

Drivers speed because they want to save time or because they enjoy the recklessness of speeding itself. If a driver is speeding, he is giving himself less time to react to abrupt turns, turning vehicles, and crossing pedestrians, not to mention that the impact of an accident can become greater because of speed.

Not considering weather conditions
External factors, such as the weather, can also compromise road safety. For example, water, snow, and ice on the road can influence the tire’s traction to the pavement. Fog, wind, and other weather phenomena can affect the visibility of the surroundings. The key is to drive in a way that will minimize the dangers of these weather conditions.

Not yielding to others
Right of way is absolute, and if you fail to yield to a vehicle or a pedestrian that has the right of way, you are more likely to be the one determined to be at fault. To avoid accidents involving right of way, be wary of stop signs, traffic lights, crosswalks, merging lanes, and freeway ramps.

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Causes for Denial of Insurance Claims

Posted by on Aug 4, 2016 in Uncategorized | 0 comments

Having insurance can save you a lot of expenses. Whether it’s due to car accidents, hospitalization, and others, an insurance premium can save you from out-of-the-pocket expenses which could prove costly on your part. However, all of that could change with a denial of insurance claims. According to Abel Law Firm, it could be frustrating on your part if the financial assistance you are expecting will not arrive.
When this happens, you will find yourself looking for answers on why your insurance claim was denied. There could be several reasons behind it. In this article, we shall look at the common causes for the denial of insurance claims:

1. Material Misrepresentation

The most common cause for your insurance claim getting denied is failure to provide the most current address and other changes in your information. While this may seem irrelevant in so far as changing your policy rate, your lack of due diligence could result to payment of incorrect rates and you could also be committing a certain kind of fraud.

2. False and Fraudulent Claims

Insurance policies are designed to provide protection but other use it as a way to profit. Rejection of your insurance claim may have been due to falsified information in order to get something extra than what you should be getting. The worst part is that not only will your insurance claim be denied but you could also face serious legal implications. Also, you may become blacklisted and you may not be able to get a policy in the future.

3. Unlawful Acts

If your insurance claim is related to irresponsible acts such as drinking and driving, stunt driving, driving without a license, and other unlawful acts, it is likely that your insurance claim will be denied.

4. Your Claim Is Not Covered By The Provider

Depending on the claim, some insurance companies may not provide coverage for what is being claimed. For instance, some providers do not cover accidental death. So be sure to know your coverage before purchasing a policy.

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Guidelines in Choosing the Perfect Assisted Living Home

Posted by on Mar 31, 2016 in Assisted Living | 0 comments

Assisted living is where the elder is given the help of a staff in achieving their daily needs and activities. Those activities, as said on , may be as simple as eating or as complicated as bathing. Most families in the United States think of sending their elderly loved ones to assisted living facilities when they are no longer capable of helping them or when the elders are having difficulties in performing their everyday tasks. Before deciding on which senior residence to choose, it is important to learn more about the subject.

The elder and the family members should examine themselves and the situation, first and foremost, before proceeding with the next steps. Asking questions like what options are out there or whether the family can afford the desired assisted living setup are imperative in decision-making. Secondly, the three main issues that should be factored in the decision are the quality of life, the standard of provided care, and the cost and value of the services. It is good to make sure the Assisted Living home is a member of regional professional organizations that provide some oversight, such as the Nevada Health Care Asssociation.

Ensuring whether a certain retirement community would provide high-quality living relies on examining outcomes in terms of the elder’s personal growth (socialization, comfort, peace of mind, fulfillment, being able to belong, etc). If the family envision those things when a home is selected, it might be right choice for the elder. Of course, high-quality medical care should also top the list. Assisted living is not like a nursing home when it comes to medical issues, but this should also be a top factor in choosing a home. Examining whether the home provides services for medical emergency usually helps in this type of situation.

Nevertheless, all the services mentioned above should be balanced with the actual cost of the program. Families should learn whether they will get their money’s worth when they enter their loved ones into a home – no matter how big or small the amount is. Ultimately, the goal of assisted living is to make life convenient for the elderly, so that should always be the first priority in the final decision.

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