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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Cruise Ship Accidents/Injuries

Slip and fall accidents can happen in any way and in any place, even when you are in a vacation on a cruise ship. It is among the most common accidents in many cruise ships due to various reasons – unsteady footing, wet areas, and the crowded nature of the cruise ship on the sea. No matter how the slip and fall accident happened it cannot be denied that the injuries they cause can be severe and even life-threatening or long-lasting. Although it may be easy to brush of the incident as a mere accident, there are instances where the cruise ship and their crew can be made liable for the injuries. This can happen when the accident occurred due to negligence or reckless actions/inactions.

From the Vucci Law Group, it can be difficult to prove negligence on the part of the cruise ship and their crew once a slip and fall accident happens. This is the main reason why it is important to contact a personal injury lawyer in order to help with the legal process of filing a claim. Often, cruise ships become difficult to work with once a personal injury claim and make the whole process last longer than necessary. Having legal representatives can make the whole claim process faster and easier.

A slip and fall accident can lead to a number or injuries, such as broken bones, neck and spinal cord injuries, internal bleeding, head injuries, and many others. This would make it difficult to return back to work immediately, not to mention having to spend significant amount of money for medical bills. Regardless whether the accident happened on or off the ship, as long as the negligence of the cruise ship and their crew lead to the accident, they can be held accountable. Regardless of the location, the cruise ship management has the responsibility of ensuring the safety of their passengers and when that duty is neglected, then they can be grounds for a personal injury claim.

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Probate Law or Elder Law or Estate Planning

It can be very hard to challenge a will once it has been made legal and around 99 percent of will pass through probate without any problems. This is because wills are taken as the voice of the testator or the one who wrote the will, and because they are no longer alive to talk about what their wishes are the court takes their wills seriously. Those who wish to challenge a will may have a very difficult road in doing so, but there are grounds that can make a will invalid.

Among the most common and often successful reason for making a will invalid is by proving that the testator lack mental capacity when they were making the will. According to the Peck Ritchey, LLC, you have to be 18 years old or older in order to have the legal capacity to write or make will. Minors are deemed not legally capable of making a will according to law. Exceptions are only applicable in certain jurisdictions and circumstances, such as when the minor has served in the military or have married. It is assumed that adults have the mental capacity to make a will, and often, the reason to question the validity of the will is when adults suffer from mental issues. Dementia, senility, insanity, been under the influence (alcohol or drugs), or other challenges in their mental capacity would be strong grounds to question the validity of a will.

Those who wish to challenge a will has to prove that the testator did not have complete grasp of the consequences of their decisions when making the will. Specifically, they did not have a strong understanding of the management of their assets and properties and what a will really is. Likewise, they might also lack complete understanding of scope and value of their properties and who the beneficiaries are. Lastly, the testator may have lacked the capacity to understand how all these elements affect each other to make a distribution of property.

Once a will has been successfully challenged, it will be deemed void either in part or in its entirety. There are instances where a previous will may be reinstated. Once the will has been deemed void, it will be up to the court to distribute the properties as if there was no will from the start. This property distribution will be under intestacy laws and will follow the familial relationships.

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Personal Injury

Scarring can be a serious part of an injury, and the severity can lead to a personal injury claim. If you talk with your personal injury attorney, you will find out that scarring can be a strong basis for an injury claim, and that there are factors that can make the compensation bigger. The placement of the scar along with its severity can affect the value of the personal injury. Scars of the face can give more compensation, while other areas of the body may not be as valuable. What makes scarring a strong personal injury claim is if it leaves a long-lasting effect in your life.

Also known as residual effect, the severity of the scarring can affect many aspects of your life – work, home, and even recreation – making the claim more valuable. Severe scarring and disfigurement often lead to emotional and physical issues. The loss of mobility and enjoyment in life can lead a justifiable request for higher amount of damages. Often, women can ask for higher damages because of stubborn sexism still present in society. Societal prejudice in today’s times can still greatly impact the judgment of settlement by the insurance adjusters.

In order to prove that validity of a personal injury claim due to scarring and disfigurement, you first have to get and present a medical opinion regarding the cost of removing or repairing the scar. A testimony from a plastic surgeon regarding the amount necessary to fix the scar can be more than helpful. Including the cost of the procedure to remove the scar can dramatically increase the amount of compensation. Make sure to add the costs of the procedure (as determined by your plastic surgeon) in the demand letter that you send to the insurance company. Additionally, make sure that the scarring injury is properly documented to show the long-term effects of the injury. Ask about the residual effect of the injury with your doctor in order to have the supporting document about its permanent effects. To learn more about the possibility of permanent problems, consult with your physician and injury attorney by clicking here to help raise the chances of an injury settlement negotiation.

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Employment Law

The state of Texas has laws in place to prevent discrimination in the workplace. There are many ways that workplace discrimination can be exhibited, and if you believe that you are a victim of workplace discrimination, then according to Texas employment law, you can file a discrimination complaint to the Civil Rights Division of TWC. Being denied equal pay is just one of the many forms of workplace discrimination that the Melton Law Firm has helped workers deal with in the office.

Very worker has the right to appropriate pay equal to their skills and abilities. Equal pay laws ensure that workers will be paid equally regardless of their age, gender, race, nationality, disability. Equal pay claims are put in place to ensure that every worker’s pay is equal to their counterparts and that this pay is a suitable compensation for their work. According to the Texas Government Code Section 659.001, the Texas Equal Pay Act ensures that women who are employed in the state of Texas should receive the same salaries as men do when both are doing the same quality, grade, type, kind of service. For a long time, women have been victims of pay discriminations in the state of Texas. The Equal Pay Act hopes to prevent such discriminations from happening in the workplace and ensures that both genders receive equal pay that amounts to their work.

There may still be companies that will not provide equal pay. When this happens, the employee can file a claim against the company through the Equal Pay Act. However, with so many laws in order that protects every worker in the state of Texas, employees can now rest easy that they will have the salary that they deserve, along with the peace of mind that they can provide and take care of their families properly through their living.

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Many people who are going through financial issues often think that filing for bankruptcy is their last option. Although there are various other options to help deal with the financial troubles you might be facing, filing for bankruptcy is not always a last option. There are situations where filing for bankruptcy is more helpful than other alternatives. Also, there are many types of bankruptcy that you can file for, depending on your financial situation and your specific circumstance.

If you are willing to sell properties and start over again, then you might consider filing for a Chapter 7 bankruptcy. This type of bankruptcy allows debtors to eliminate majority of their debts through liquidation of their assets so that their creditors will be paid back and then they can be free of debts. In order to for the Chapter 7 bankruptcy to begin, you have to first see if you are eligible. You have to pass a “means test”, otherwise the bankruptcy court would have to convert your case to a Chapter 13.

Chapter 7 bankruptcy works by gathering all assets and properties that fall under non-exempt properties and sell them off in order to pay for as much debt as they possibly can. The rest can then be eliminated or discharged. This can offer a better alternative if you don’t have enough to pay for a long-term repayment. Furthermore, such option can only cause even higher debts because of ongoing interest. It is a better option if you think you have enough assets and properties to sell and would want to start over a new life debt-free. Regardless, it is still important to first talk with your bankruptcy attorney, a debt settlement official, and a credit counselor to help weigh the best option out of your debts.

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Car and Truck Accidents

Road accidents and car collisions happen every day, and there are many reasons why such tragic accidents happen. The majority of these road accidents are due to human errors. Even with the latest safety features and responsible driving, if people become irresponsible and reckless when they are driving on the road, then serious injuries, property damage, and even death can happen. Ravid and Associates say that if human error is the cause of the accident, then the victim has the legal right to file for a personal injury claim.

There are many factors that come into play when you get into a car collision, and there are many things that you can do to protect and lower your chances of getting into an accident. To learn more, here are some of the most important and helpful tips you need to know when you are driving on the road:

The first thing is to know and understand traffic laws and following them. Educating yourself about state traffic laws, basic road signs, and defensive driving can greatly lower your chances of being in a car accident. By obeying traffic laws and regulations, the law will be on your side if you do get involved in an accident. Often, the ones who caused the accident is the one who will provide compensation for the victims. Depending on the laws in your states, if the other party’s negligence caused the accident and injuries they will be held liable for their actions and can face both civil and criminal charges depending on the severity of damages.

Car accidents, Texas truck accidents, and many other road accidents make the bulk of personal injury claims in the United States. Anyone who filed to use reasonable care when on the road can be considered negligent and can be held accountable for their actions. Contacting an attorney specializing in personal injury claims and car accidents would be beneficial if you want to assess the merits of your claim and aid in making the next legal step.

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Any Dog Walking / Training / Pet Sitting Stuff

Dogs have become a very important part of families all across the United States. They not only serve as guard dogs, nowadays they are treated as part of the family. And being part of the family, it is also important to have them properly trained. However, not many people understand the importance of having to train your dog, and often this leads to a number of problems, the most dangerous one being that the dog will become aggressive and hurt somebody.

Neglecting to give time and effort to train your dog, as well as educate yourself, can lead to an unhappy dog. There are many tutorials and helpful information online that can help with dog training. According to Walk! ATX, having a ‘dog friendly’ training is among the most effective way to train your dog. A ‘dog friendly’ training means that positive dog behaviours are encouraged through a reward system and the negative or bad behaviours are prevented or ignored. It is not advised to use force or intimidation when training your dog because it can only lead to physical, emotional, or mental pain. In order to make an effective dog training, you as the dog owner must educate yourself about the necessary methodology and principles that can help you with teaching your dog of your desired behaviours.

Reward-based dog training will be very enjoyable for your dog because their positive behaviours are reinforced. Likewise, they will learn to completely trust you and listen to your orders. However, it is highly recommended to avoid punishing your dog when they exhibit a negative or bad behaviour because it can only cause the problem to worsen. It would be best to ignore or prevent it before it becomes your dog’s habit. Often, dog training should be one earlier when they are still puppies. However, older dogs can still be taught good dog behaviours through patience and dedication.

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