The Causes of Car Accidents

Around 2.35 million people are injured or disabled due to automobile accidents each year on US roads and many affected Americans may be uncertain what to do following an accident, especially in the face of mounting medical costs. Fortunately, even if you aren’t harmed in an accident, there are many legal options that you might consider if you have any reason to believe that the accident was not your fault. Law firms like Habush Habush & Rottier S.C offer services for car accidents if they result from any of the following:

  • Driver Error
  • Reckless Driving
  • Speeding
  • Drunk Driving
  • Mechanical Defects/Malfunctions
  • Highway Defects

Driver Error is probably the most common cause of automobile accidents. If any of the other drivers involved in the accident were distracted by the radio, failed to check their blind spot, or turned without signaling, they may be wholly or partially liable for any expenses incurred in the accident. If your accident resulted from any of these or similar behaviors, you may be eligible for representation and compensation.

Reckless Driving includes many of the behaviors covered by driver error. If any other drivers involved in your accident were driving irresponsibly or recklessly, you may not be liable for the damages incurred by the accident.

Speeding is driving at speeds that exceed the posted legal limit. If you believe that any other drivers involved in the crash were driving at speeds that exceed the posted limit for the site of the accident, you should contact a lawyer to see if you are eligible for legal representation.

Drunk Driving and alcohol use, unfortunately, result in many car accidents, injuries, and deaths in the United States. The legal limit in all 50 states is BAC .08%. If any of the other drivers involved in your accident were under the influence of alcohol, you may be eligible to receive compensation for any medicals and legal costs.

Mechanical Defects/Malfunctions, just like people, can cause automobile accidents. This category includes things like airbag defects, engine malfunctions, faulty brake design, etc. Car manufacturers have a legal responsibility to the safety of their customers. If you have reason to believe that any structural problems in the design of your vehicle caused or contributed to your accident, it is possible that you may have limited or zero liability in the accident.

Highway Defects can also cause car accidents. Like corporations, the government has a legal obligation to ensure the safety of drivers by safely constructing and maintaining roads. Insufficient signage, potholes, poor road design, and lack of shoulder space are common contributors to automobile accidents. If your accident resulted from any of these highway defects, you might not hold all liability for the accident.

If you have been involved in an automobile accident that resulted from anything described above, you might be eligible for legal representation and financial compensation. Take the time to research the above topics and contact a lawyer to see if you can get help dealing with your car accident.

Long Term Disability Insurance and Social Security Disability Benefits

Injuries or illnesses that result to long-term disability have long-lasting effects that can render any person unable to perform work for at least six months. For those who are employed and enjoy an employer-sponsored comprehensive employee benefits package that includes a long term disability (LTD) insurance policy, the cash benefits their (LTD) insurance policy pays can serve as a financial safety net for the duration of 5 or 10 years, or until the insured employee reaches the age of 65 (duration actually depends on the plan purchased).

Long-term disability insurance (LTD) is a type of insurance policy that is designed to protect an employee from loss of income in the event that he/she becomes incapable of work, due to illness, injury, or accident, for a long period of time.

Though long-term disability insurance ensures that an employee will still receive a percentage of his/her income, typically about 50% – 70%, it will not pay cash benefits to employees who sustain work-related accidents or injuries that are covered by Workers’ Compensation Insurance program.

LTD is usually employer-sponsored. If a company, however, does not offer long term disability insurance, then an employee has the option to purchase an individual long-term disability plan from his/her preferred insurance agent; he/she can also purchase a personal supplemental long term disability insurance policy for additional coverage (unlike an LTD insurance policy, which is subjected to taxes, a supplemental LTD insurance is tax exempt). Some employees actually consider purchasing supplemental long-term disability insurance because an employer-sponsored long term disability insurance is usually insufficient to meet a disabled employee’s needs.

Additional information provided by Fields Disability lawyers regarding LTD says that most long-term disability policies require that any extra income you receive be deducted (off-set) from your payable long-term disability benefits. This requirement is usually put in place to alleviate the long-term disability carriers’ costs in paying out benefits. Thus, to reduce the amount an LTD carrier will be required to pay you, it will have you apply for Social Security Disability benefits, which are considered as “income” and, therefore, can be off-set from the amount a carrier will pay.

Child Custody: How much do You Want to be Your Child’s Custodian?

Child custody is one of the issues that lengthen a divorce process. In many divorce cases, both parents do not want to be separated from their child. Long before, child custody was awarded solely to the mother, due to the observance of a practice called “maternal preference.” This preference was based on the presumption that mother were better equipped with the love and concern necessary in raising children.

Today, many courts consider awarding custody of a child to both parents, especially if this will be in the child’s best interest. This joint custody is most probably the decision a court would arrive at, unless one parent is deemed and proven unfit by the court. Being judged as an unfit parent can be due to many different reasons, such as a parent: being abusive to his/her child; a bad influence to the child (can be due to use and dependence to illegal drugs and/or alcohol); exposing the child or allowing the child to be exposed to pornographic elements; using excessive forms of disciplinary acts; or was charged or convicted of a crime.

Two other important factors considered by the court when deciding who gets child custody are parent’s involvement in the child’s activities and the environment where the parent resides. Spending time with the child and being there when he/she needs the parent most, like in school plays, school meetings and other activities are greatly considered and appreciated by the court.

If the environment can put the child’s health at risk, though, or compromise his/her safety, maybe due to the regularity of crimes in the neighborhood or open use of illegal drugs, then these may affect the court’s decision.

The ill behavior of a new partner, which may have an unfavorable effect on the child, can also keep the court from deciding in favor of one parent. Many other things are considered by the court, including the possible custodian’s health, age and financial opportunities. Some parents look for really good lawyers who can strongly defend their interests and fight for their right in court in order to have the advantage of winning custody of their child.

As explained in the website of the law firm Marshall & Taylor, PLLC, “A court will never side with the parent who violates the terms of the child custody agreement specified in the court agreement. Even if the parent has noble reasons for doing so, in the eyes of the law he or she will always be wrong. In addition to that, if the ex-couple agrees to an amendment of the terms of the child custody agreement, this amendment should be formalized in written form before being acted on. Otherwise, the resulting action will always be a violation.”

A divorce process is not only emotionally draining and painful, but complex as well. Having an experienced lawyer guiding you through its whole process may help you see to it that your rights and interests are recognized and respected.

What may be Considered as Reckless Driving

Reckless driving is a major traffic violation in the United States. This traffic violation,however, is a large diverse crime due to the many ways it can be committed. Though some states may impose additional traffic prohibitions which would result to reckless driving if violated, the following are some of the most common ways of committing this dangerous road behavior:

  • Driving at reckless speed. This means driving 20 mph above the speed limit or driving over 80 mph.
  • Driving too fast for traffic conditions. There are instances when driving at the maximum allowed speed can be considered as reckless behavior. One example is driving at 60 mph in a 60 mph zone, but with the road covered in snow.
  • Driving on a any public road in such a way that can endanger another person’s “life, limb, or property.” This rule is a catch-all for all types of unsafe driving practices, like driving the wrong way on a one-way street, parking on a highway, and driving asleep at the wheel.
  • Having too many passengers inside the vehicle. Drivers who carry more passengers than the number of seat belts or allows one too many passengers in the front seat that the their ability to drive properly is compromised could be charged with reckless driving.
  • Intersections and Crossings. Drivers passing or overtaking another vehicle at a railroad crossings or at an intersection, especially if there are pedestrians crossing or about to cross are guilty of reckless driving.
  • Passing a School bus. Drivers who fail to stop while a school bus is taking on or discharging passengers and fails to remain stopped until the bus has started to move again is guilty of reckless driving. Exception to this rule includes situations wherein the school is on a section of the road that is separated from the lane of travel by an unpaved area or a physical barrier, or if the bus is immediately adjacent to a school and the driver has been directed to pass it).
  • Traffic violations which include speeding, tailgating, distracted driving, failure to yield right of way, failure to use turn signals, drunk driving, and, running stop signs / red lights.

More than just a mistake or a negligent act, reckless driving involves a driver’s willful and active disregard for the safety of others and for his/her own safety. Thus, one can also be charged of driving recklessly even if there is no one else on the road whose safety may be put at risk or someone else’s property getting damaged; driving in such a way that puts his/her own life in danger or his/her property at risk of getting damaged is enough for a driver to be considered reckless.

The National Highway Traffic Safety Administration (NHTSA) and traffic authorities consider reckless driving as a totally irresponsible, yet preventable act. Due to this, anyone who behaves recklessly on the road is held liable for the ill consequences of his/her act. This means not only facing the harsh punishments (this includes fines, imprisonment and possible suspension or revocation of his/her license) that may be imputed on violators, but compensating anyone who may be injured too.

According to the Schuler, Halvorson, Weisser, Zoeller & Overbeck, P.A. law firm, even a minor car accident can leave a victim with serious injuries, ongoing pain and suffering, significant property damage, and serious emotional, psychological, and financial burdens. This unfavorable circumstances make pursuing a legal action necessary as it would allow the victim seek compensation that should cover all of the victim’s sufferings and losses.

Get the Best and Cheapest SR-22 Offer Online

There are times when a court will have to require a driver to carry a special type of insurance in order for that driver to continue enjoying his or her driving privileges. This special type of insurance is called SR-22, a form which insurance companies send to a state’s Department of Motor Vehicles (DMV) to indicate that the person whose license has been suspended already has the required insurance coverage.

A driver can be required to carry an SR-22 filing if he or she has been:

  • Caught driving without auto liability insurance;
  • Cited for multiple traffic violations within a specified time period (like three moving violations in just one year);
  •  Involved in an accident without auto insurance;
  • Driving a car under the influence (DUI);
  • Cited for recklessly driving a motor vehicle; or
  • Issued a license suspension or revocation.

Only by filing SR-22 can a driver’s driving privileges be immediately restored as this will also immediately lift the suspension made on his or her license. However, an SR-22 form may not be so easy to obtain because one will first be required to purchase an auto liability insurance policy. But here’s the tricky part: being required to carry an SR-22 filing will make insurance companies tag you as a “high-risk” driver. Being “high-risk,” an insurance provider has two options: deny your purchase or sell you a policy that is more expensive than the regular. Why more expensive, you may ask? Well, because you’re a “high-risk” driver, which means you are likely to get involved in an accident and if or when you do, instead of earning profits, your insurance provider will have to spend since it will have to pay your victim. Carrying SR-22 also usually lasts for three years, however, a judge may extend it to five years if he or she sees it fit. This means more expensive premium payments for 36 months or 3 years – a real strain on your budget even if there is no extension made.

While insurance firms find means to make policies more expensive, however, independent car insurance companies help car owners and drivers find the best insurance deal, including SR-22, with the lowest price. According to LaMarca Law Group P.C., some insurance companies offer customers as many as a dozen free insurance quotes online which will allow customers compare insurance prices. Besides these free insurance quotes, it also offers free SR-22 quotes, as well as online filing of all your insurance related needs.

Within minutes, you can be insured or get an SR-22; no hassle, no paperwork and everything is guaranteed fast and easy and even right in the comfort of your home. All you need to do is dial a number.