The Lowdown on Uninsured Motorist Insurance

Getting involved in a car accident translates to mounting expenses on your part. For this reason, carrying an insurance policy can help alleviate the potential expenses that will come your way especially if you were deemed at fault. But nothing can be extremely disappointing than realizing that the other driver involved in the accident does not carry any insurance.

The Insurance Research Council revealed that 1 out of every 7 drivers in the United States is currently uninsured. According to the website of Habush Habush & Rottier S.C.®, many insurance policies will still provide coverage even if the other driver involved does not have insurance. Most states require liability insurance but how will an uninsured motorist coverage protect you?

Chances are the other driver will carry liability insurance but then it will not be enough to pay for medical bills for any  injuries that you may incur. With uninsured motorist coverage, the driver without a policy can pay for the bills associated with the accident. Uninsured motorist coverage includes the following:

  • Bodily Injury covers medical expenses, lost wages, emotional distress, pain and suffering and others. However, it does not cover damages resulting from collision. It may also offer coverage for injuries to passengers or family members
  • Property Damage pays for damages to your vehicle but does not cover bodily injuries

Once you decide to purchase uninsured motorist coverage, you need to choose the limits that are right for you. In many states, the minimum limit is already set for you but you can opt to increase the limits which may be the wise thing to do.

Split Limits

In split limit, the coverage differs if only a single person is involved compared to when there are several people involved. A typical example is $15,000 for bodily injury or death per person or $30,000 bodily injury or death per accident.

Combined Single Limits

A combined single limit is paid out for by your provider for all bodily injuries in an accident.

Uninsured auto insurance is required by law in 22 states including Washington D.C. while in other states such as California, it is an additional option for mandatory liability insurance.

Things to consider when selecting Bentonite Clay

The surge in popularity of healing clays, particularly bentonite clay, has lead to many companies producing various products to help accommodate the people’s need for the detoxifying and cleansing clay. With so many products to choose from, you have to know how to properly choose the right bentonite clay product in order to get the best benefits. When you think you are ready to use bentonite clay products, there are some things that you should consider.

First thing you should look into is the company you are buying the clay from. The website of Earth’s Natural Clay suggests researching the company; check whether they are actively participating in the harvesting and quality-control check up of their products to ensure that you are not putting your health at risk when the healing clay does absorb toxins but will not flush it. Make sure that the product comes from a reputable company and are safe and environment and animal friendly. Forbes Magazine states that one risk is that if the company is not reputable, then you may receive counterfeit products. It is important to understand how the company mines the clay. Because of the nature of the bentonite clay, it is important that the clay was harvested properly and not exposed to metallic objects. Being exposed to metal objects, especially for a significant amount of time can render the clay useless because it has already absorbed enough metals to make it ineffective.

Another thing that you should consider is the aluminum and sodium content of the bentonite clay. It is already established that aluminum is a danger to your health, and sodium in large quantities can also pose a health risk. It is important to take the bentonite clays in moderations, and to check with your doctor whether you need to ingest the healing clay or you can simply use it externally, such as a topical ointment or through baths. Another concern that should be addressed in the over-consumption of bentonite clay that can possibly lead to constipation, therefore it is necessary to drink a lot of water to help thin out the clay and avoid it from “settling” or “compacted” in your body, particularly in your colon.

Can New Pharmaceutical Drugs and Devices Be Dangerous?

Recent innovations in technology have allowed for people to live with less fear in regards to maladies and the like. If a new sickness or disability comes into light, there are many experts in every field that are already trying to develop ways to cure it or help people who are suffering from it. It is an age of mankind where people need not fear a culling from the unknown – people seek and discover now. Life prevails and life survives – resistance is all but futile.

Unfortunately, this doesn’t make mankind infallible. People are only human – and mistakes are destined to be made. Some of these mistakes can prove to be quite dangerous, what with the advanced risk that comes with the dependency on the discovered innovation.

There are a number of dangerous drugs and medical devices on the market right now that have only been recently been proved to be dangerous to use in treatment. For example, hip replacements have grown in popularity over the reason years upon their more increased availability but according to www.williamskherkher.com/houston-personal-injury/, there are some hip replacements like the ones from Depuy that have caused pain (in the form of fractures or dislocations) to many people, rather have the relief that they are meant to grant.

According to www.williamskherkher.com/houston-personal-injury/, some medications don’t necessarily affect the person taking the medicine. Sometimes, the unfortunate side effects can be reflected as experienced by another party entirety. Such is the case with mothers who have taken Depakote – a drug meant to treat bipolar disorder – who then given birth to newborns who are malformed or have brain defects.

As much good as current medicinal innovations have granted the human race, there are still dangers present and it should always be the first priority of anyone seeking treatment to make sure that their treatments are safe and will not cause them further pain.

Does My Case Qualify for Personal Injury?

There are many facets to cases involving personal injury. After all, there are so many variables to consider and so many different permutations of these factors that every single case is different – but there are some key similarities that certain cases are allowed to be grouped together.

Let’s break down from something simple. Personal injury is an injury that is dealt onto a person due to the negligent actions (whether ‘tis ignorantly or willfully done) of another person or party. This injury can be physical, mental, or emotional in kind – or any combination of the three or all of them together.

From quite a vague definition, there are several instances that can come to mind that might then be qualified for a personal injury case. For example, if an swiveling office chair breaks apart under your weight, there could be a party at fault. You may have been bruised due to the fall and, if this happened in public, the incident might have subjected you to a bit of humiliation. For all intents and purposes, this can qualify for personal injury – going on the simple definition alone, right?

It is dependent on the circumstances. Technically, that kind of situation could qualify for a personal injury case but the effort and cost would not be worth it to pursue in a court of law. Any personal injury lawyer worth their salt can advise you against that course of action. It is gathered from the website of Williams Kherkher that people tend to file for personal injury lawsuits in order to receive compensation since the injury that was dealt upon them inconveniences their lives so much so that it is necessary to demand for justice in this regard.

A fall from a chair is different from, say, a broken piece of chair accidentally stabbing you clean through the leg. Personal injury cases are quite circumstantial and are, since they happen to individuals at a time, quite personalized and it would be advisable to consult with an experienced professional before pursuing legal action.

The Dangers with Cruise Ship Accidents

Whenever you think about cruises, you can picture serene days filled with sunlight, the sea, and good memories all around. After all, the point of a cruise is to ensure that you are in a relaxed environment and that you can enjoy the time to yourself or amongst your friends and loved ones. Unfortunately, there are enough circumstances regarding cruise ship accidents that there are certain things that you may want to know about before you embark on your sea-bound voyage.

Cruises can be, let it be said, absolutely wonderful. The allowed disconnect from the hectic, day-to-day lifestyles of modern metropolitans can be a wonderful break filled with laughter and sunshine. However, whenever you’re that far away from civilization – it can be difficult to acquire some of the rights or comforts that you can enjoy while on land.

For example, if you suddenly take ill and the resident medical professionals on board are not capable of caring for your given sickness, then there must be protocol initiated immediately in order to get you to safety. Not only that but the staff must also adhere to a certain standard of care in order to make sure that you are in the best possible hands – and should anything fall below that standard, then there is justice that should await for you when you get back to shore.

There are many injuries that can await you in a cruise ship, sad as it is to say. But, according to the website of the lawyers with the Louis A. Vucci, there is the option wherein victims of cruise ship accidents or injuries can legally file to acquire compensation for the damage that has been done unto their person. It can be frustrating to deal with, especially since so much depends upon evidence and reports of circumstances in situations like these, but with the right kind of experienced help – things should go by smoothly and you can keep on sailing just fine.