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Posted by on Sep 19, 2014 in Insurance | 0 comments

Car Insurance in Illinois

The state of Illinois follows the modified comparative fault which means that you can get compensation seven if you have some fault for the accident, but the amount will be deducted by the percentage that is equal to your share of liability. However, if your liability for the accident is over 50 percent, you will not be given compensation under the Illinois comparative negligence law. According to the website of Habush Habush & Rottier S.C. ®, it’s because of these laws that it is important to have car insurance to make sure that your well-being and property are covered in an event of an accident.

Because of the “fault” system that the state of Illinois follows, the person or persons who are liable for an accident is legally responsible for compensating those who have been injured or suffered property damage. This generally means that, directly or indirectly, the at-fault driver’s insurance company will cover for the damages and losses that the victims have gone through. Being the victim, you can get compensation is three ways: first is by filing a personal injury claim against the person or persons at-fault for the accident, second is by filing a claim to your insurance company (expecting that the loss is included), and lastly by filing a claim straight to the at-fault person’s insurance company. Chicago car insurance companies, just as with any companies is other states, have requirements. Illinois laws demand their motorists to have liability insurance, namely: $20,000 for death or injury of one person (whether you, a passenger, pedestrian, or another driver), $15,000 to cover for property damage, and $40,000 for injury or death or more than one person due to the accident.

As Habush Habush & Rottier S.C.® have determined, it is more expensive to NOT have insurance rather than having one. Accidents can be very expensive, and being in one without car insurance can cause serious financial issues to you and your family. Being a motorist, you shouldn’t be getting car insurance just because the law requires it, but because you need to be financially covered for possible medical and repair expenses to yourself and other people should an accident occur.

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Posted by on Sep 18, 2014 in The Elderly | 0 comments

What is Elder Law?

As the aging population grows, laws have been made to help them with issues that they may encounter. Elder law is the area of juridical practice that cover various categories, generally in order to provide legal services for senior citizens and even for young people who require special needs. When thinking about planning for living the remaining years of your life, it is important to know how the Elder Law could help you or just your loved one. Not having enough information when planning for the future often results to more problems.

Knowing what to expect and what you want to know before consulting with an elder law lawyer play a vital role in getting what you want. Because elder law can become complicated and confusing to those who are not really aware of it, it would be best to research more about the matter. Having the right questions to ask an elder law lawyer would help the process or planning easier and smoother. If you ask any Chicago elder law lawyer, they can attest that having a lawyer by your side can aid in determining the best option for long-term health care, evaluate your needs in connection with federal tax, Medicaid, Medicare, property laws, and social security. Furthermore, when you already have an understanding of elder law, you can easily talk with your Chicago elder law lawyer regarding the drafting of trusts and wills, and even advising you on how to move forward in accordance to present laws.

Various states can have their own laws regarding elder law, therefore it is important that you seek a lawyer who specializes and knows the laws in your state. Consulting with an elder lawyer would serve as understanding the guidelines on how to work through the health care system. Because elder law is a pretty new arm of law, there may be many changes and updates that would affect your case.

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Posted by on Sep 14, 2014 in Car Accidents | 0 comments

Establishing Fault in Car Accidents

When you have been in a car accident, it is important to determine the one who caused the accident. Establishing who caused the accident would make filing for an insurance claim or a personal injury claim easier and smoother. If you were the victim or a careless or reckless action on another motorist, you have the right to file for an insurance or injury claim. However, what may complicate the claims would be the different laws and regulations the each state in the US has regarding car accidents and injury claims.

Being a victim who will file an insurance or injury claim, it is important to know how these different state laws will affect the case and possible settlement or compensation that would be given. In the state of Michigan, for example, a Detroit personal injury lawyer would inform you that you have three years to file a case against the person at-fault for the accident. This statute of limitations generally begins on the day of the accident, and exceptions such as not fully “discovering” any injuries until after the accident would alter the start of the statute of limitations. Additionally, Michigan follows the Comparative Negligence rule, which indicate that any compensation you will receive will be influenced or eventually reduced by the percent of liability you may have to the accident. Your compensation may be reduced depending on the amount of fault for the injuries, and even have a chance of being eliminated if the fault is determined to be more than 50 percent.

The comparative negligence rule is also applied in the state of Texas, and because this is required to be applied in personal injury claims, many insurance adjusters tend to use this argument in court. The difference between the state of Michigan and Texas when it comes to injury laws is that in Texas, you only have two years to file for an insurance or injury claim following an accident. Because this statute of limitation sets the time restraints of filing for a personal injury claim, immediately contacting a Houston personal injury lawyer to help you set up the case would ensure that your chances for compensation will not be lost. Furthermore, there are limits or caps on the amount of compensation you can be given, as well as the amount of settlement. This is another reason why contacting a lawyer who knows the state laws in your area is important before actually filing a personal injury claim.

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Posted by on Sep 10, 2014 in Medical Danger | 0 comments

Tardive Dyskinesia after using Reglan

Many prescription medications have been the subjects of lawsuits because of their adverse and often irreversible effect on patients. One of many prescription medications facing many lawsuits from their consumers is the prescription drug Reglan. Reglan, with the generic name metoclopramide, is a prescription medication primarily used to help with nausea and vomiting. Over the years, Reglan has been prescribed to control GERD (gastroesophageal reflux disease), heartburn and decreased appetite in both children and adults alike. Although there have been positive results from taking the medication, there has also been adverse side effects, one of which is tardive dyskinesia or TD.

Tardive dyskinesia is a severe and often permanent disorder that results in involuntary and repetitive body movements that begin slowly. Children or infants who have taken Reglan tend to have higher risks of developing tardive dyskinesia. Although approved by the FDA, they are only recommended to be taken as short-term treatment and when other methods were not effective. Reglan should only be taken between 4 to 12 weeks, but apparently many consumers have taken them longer than prescribed.

Studies have determined that as many as 1 in every 4 patients have very high risk of developing symptoms of tardive dyskinesia after taking Reglan for more than a year. And because Reglan can make it is often difficult to diagnose tardive dyskinesia since it conceals the symptoms, consumers tend to develop and display advance state of this condition. Presently, there is no cure for tardive dyskinesia, which makes it even more painful and hard to cope with.

Some of those who have developed this condition have already sought the help of a lawyer to help in fling a defective pharmaceutical lawsuit and seek compensation. Although there have been risks that come with taking Reglan and metoclopramide in general, nothing in the label have explained the dangers clearly. Because of this negligence, the manufacturer can be held liable, as with the case to those who have taken NuvaRing, a birth control pill that have caused serious blood clots and stroke in women. Just as what a NuvaRing lawyer would advice, consulting with lawyers who understand how medical malpractice and personal injury lawsuits work would play a huge part in ensuring that compensation will be given and that those who are responsible for the injury are made accountable for their actions.

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Posted by on Sep 7, 2014 in Adventures | 0 comments

Injuries from Cruise Ship Excursions

Cruise ships nowadays not only offer vacations in a boat, but they also offer on-shore excursions on the places that they pass by. The various activities that these on-shore excursions can both be enjoyable and fun, but they can also be risky and lead to injuries. The physical nature of these on-shore activities is what makes these on-shore activities dangerous: improper or poor instructions and faulty equipment can lead to accidents. In a cruise ship excursion, it is a common thing to hear about passengers getting scraped knees, bruises, and other minor injuries. There are instances, however, where major accidents that cause serious injuries can occur. When this happens, it is important to know who can be held responsible in order to determine who will pay for the compensation claim.

When it comes to cruise ship on-shore accidents, there may be multiple defendants in a personal injury claim, since more than one company or persons can be held liable for the accident. It is generally understood that the cruise line is responsible for the actions (or inactions) of their agents and employees. For on-shore excursion accidents, the cruise line may share responsibility of the accidents of their passengers, since it is understood that these on-shore activities are believed to be safe. Most cruise lines deny their responsibility with on-shore excursion accidents, which is why it is important for victims to consult with cruise ship injury lawyers to determine and establish a strong case.

Many cruise ships offer on-shore activities but tend to shy away from liability should an accident occur by having these excursion activities have independent contractors. Yet the cruise line still have the authority and responsibility of ensuring that who they hire are competent, and failing to do this and to guarantee the safety of their passengers, then they can still be held liable for the injuries that these on-shore excursion accidents cause. Law states that cruise lines have the duty of informing and warning their passengers of any type of dangers, even on shore. Should they neglect this duty, they can be accountable, thus the importance of consulting and hiring cruise ship accident lawyers to help investigate and determine the compensation claim.

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