Lending a Car to a Friend or Family

In our social world, many drivers have undoubtedly driven someone else’s car. However, people who lend their cars to friends or family always have some reservations about the liability they may incur. Many people often question whose insurance policy will cover a borrowed car. This involves a complicated answer that is primarily a case-by-case situation. The short answer is that auto insurance follows the car, not the driver.

Am I covered if I lend someone my car?

Depending on the rules of the individual policy, your insurance will most likely cover another driver; however, if you have given permission for another driver to operate your vehicle then you must accept that in many situations you may be held liable for an accident. All claims proceedings will be handled through your insurance, including paying the deductible and any possible rate increases. If your coverage limit has already been exceeded by the incident, then the driver’s insurance will be used as a secondary coverage to satisfy the difference.

Of course, if your friend or family borrowing the vehicle was not at fault for the accident then your insurance will not be affected. The at-fault party will be obligated to pay for any damages caused by the accident. Concurrently, if the driver of your vehicle was not given explicit permission to drive your car then the driver’s insurance policy will be considered the primary coverage.

Insurance policies are almost always full of caveats designed to allow insurance companies to easily deny coverage, especially in cases of dramatic injuries or deaths. Car accidents frequently cause severe, life-altering injuries. This is exactly the sort of thing an insurance company will try to deny covering. Make sure your coverage includes personal injury protection to keep yourself off the hook for these sorts of accidents.

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Permanent Hair Loss – The Disfiguring Side-effect of Taxotere

Chemotherapy uses drugs or a combination of drugs during breast cancer treatment for purposes that include the shrinking of tumors, killing of remaining cancer cells (which were not removed during radiation therapy or surgery), curing of the cancer, slowing the cancer’s growth, keeping the cancer from spreading, and destruction of cancer cells that may have metastasized or that have spread to other parts of the body.

In chemotherapy, the drug used works by targeting rapidly growing cancer cells. During treatment, however, even healthy cells that grow rapidly also are affected, resulting to side-effects, like vomiting and diarrhea, when cells that line the stomach are affected, and/or alopecia, or loss of hair, when the cells in hair follicles get affected.

There are more than a hundred chemotherapy drugs used in treating breast cancer. One particular drug, Taxotere, which belongs to a class called plant alkaloids, was also approved by the U.S. Food and Drug Administration to treat other types of cancer, including non-small cell lung cancer, prostate cancer, gastric cancer, and head and neck cancer.

Every year, about 180,000 to 300,000 women are diagnosed with breast cancer (this is the most common form of cancer in women); more than half of them are treated with Taxotere. Because this drug is able to interfere with the growth and spread of cancer cells, it is said to be capable of improving life expectancy; however, is has also been linked to a disfiguring side effect: permanent hair loss, also called permanent alopecia.

As different from the hair loss suffered by breast cancer patients who have chemotherapy treatment, Taxotere hair loss is permanent rather than temporary. In 2005, Sanofi-Aventis, the manufacturer of Taxotere, informed other countries about Taxotere’s disfiguring side-effect. This same warning was also made in the U.S., but in 2015, ten years after and also after tens of thousands more of women have been treated with the drug.

Concealment of information on Taxotere’s disfiguring side-effect have denied breast cancer patients to make an informed choice. Due to this, many of them now suffer from permanent hair loss, which has profoundly impacted their quality of life. Due to it also, Sanofi-Aventis now faces lawsuits filed by angry and very disappointed women.

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