Category Archives: Legal

A Great Article On Commercial Vehicle Insurance To Read Through

Here, a great article on commercial vehicle insurance merits the attention of every reader, particularly those operating commercial vehicles. Whether the fleet involves only one or two company cars or a complete lineup of delivery trucks and 18-wheelers, the subjects covered in the piece provides valuable information. Not only business owners but the public at large should know about the issues involved in commercial vehicle insurance and liability.

Drivers at both ends of the equation need to understand where responsibility falls in the event of an accident. Circumstances connected with road conditions, vehicle condition, and driver experience all play roles in determining who is at fault.

The Picture On The Roads Today

Fifteen million commercial trucks run on roads and highways in the United States every year. Two million of these are large semis and tractor-trailers. Three and a half million individuals hold commercial driver licenses and are qualified to operate these rigs.

In a given year, there can be half a million trucking accidents and vehicular incidents of one form or another. Fortunately, only a very small fraction of these incidents results in serious injury or death. However, each vehicular incident has the potential to result in serious consequences and this is properly the concern of the public.

What Happens In The Event Of An Accident

Should a commercial vehicle driver become involved in an accident event, the usual protocols are followed. The driver must remain on scene and exchange all applicable information with the other involved party. The commercial driver has the additional task of filing a complete report on every detail regarding the accident.

Neither driver should make any admission regarding fault, since this condition may depend upon the operative state laws. Also, neither driver should agree to sign anything other than official police reporting documents required by law.

Who Is At Fault?

As stated earlier, the operative laws in any given state have their own determiners regarding liability. Some states, such as Louisiana, operate under a theory of comparative negligence. This assigns different levels of liability to the parties involved in the accident depending on their behavior and how those behaviors contributed to the incident.

Other states decide the question on a simple set of criteria regarding who should have avoided the accident in the first place. And, upon these variables turns the compensation for damage, medical expenses, lost earnings, and losses of a personal nature.

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A Brief Overview of the Steps Involved in Filing Bankruptcy

For most people the thought of filing bankruptcy is a terrifying one and often a last resort. Many people find themselves over their head in debt through no fault of their own, especially those faced with tens of thousands of dollars in medical debt. Filing bankruptcy is a major decision best reached after consulting with a reputable bankruptcy attorney.

Overview of Chapter 7 Bankruptcy

From start to finish this type of bankruptcy takes an average of three to six months. It typically calls for one appearance in bankruptcy court where you or your attorney attest to the accuracy and truthfulness of your petition. The case is considered closed once the discharge is received and qualifying debts deleted.

Prerequisites for Filing Chapter 7 Bankruptcy

The first step is gathering and organizing documentation and paperwork. You will need to compile papers such as records of debts and liabilities, list of exempt property, and verification of income and expenses. You must also supply a document listing all creditors, and a letter stating your position relating to your outstanding debt. Do not leave anything out — if in doubt, include it.

Filing Process

This involves submitting appropriate forms, list of creditors, and proof of completing credit counseling. Immediately following the submission of the petition, an automatic Stay Order ceases most collection efforts. Note that tax debt is not included in the bankruptcy.

Post-Filing and Discharge

Within 15 days of filing the trustee sends to your creditors a notice of filing. Within 40 days you will receive a notification detailing your mandatory meeting with the listed creditors. You will field questions posed by your creditors regarding your petition and finances. Often none of the creditors will appear, but if they do, you are under oath and if you perjure yourself the case will be dismissed and debts will become due. Within three months of the initial meeting the judge will issue a discharge order known as Discharge of Debtor absolving the debtor of all qualifying debts.

Upon receipt of discharge, all creditors named in your petition are forbidden from attempting to collect on any debts included in your bankruptcy. Those that do try can be sued in bankruptcy court. Now is the time to rebuild your credit by paying bills on time and applying for credit cards. Keep track of what is reported on your credit reports and file disputes as necessary.

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What You Should Know about Workers’ Compensation Law

Anytime a person gets hurt on the job, whether it is his or her fault or not, an insurance called workers’ compensation should kick in. The purpose of the workers’ compensation insurance is to provide payment for the injured employee for expenses such as time away from work and medical bills. There may be times when the workers’ compensation fails to deliver as expected, and the injured employee may have to secure the services of an attorney. Attorneys who are well experienced in workers compensation law advertise their services through the World Wide Web all the time.

Understanding the Laws about Workers’ Compensation Insurance

The laws are not really all that different in the various states and Commonwealths regarding workers’ compensation, but the client who wishes to sue concerning his or her workers’ compensation should know the basics. For the most part, the employer should have this insurance coverage in place for employees, but the process is not a given. Even so, it is not a guarantee that the insurance company will do the right thing by the employee, so the employee might be better off hiring an attorney.

More about Workers’ Compensation Insurance

The employee who is injured or got ill on the job is entitled to full medical benefits under the workers’ compensation insurance law, and there should be no limit as to how long that lasts. If the employee should happen to die as a result of a work-related accident, his or her spouse and children will be entitled to death benefits, with a cap amount set by the laws in that state or Commonwealth. There are more laws that an employee can find out by consulting with an attorney that practices workers’ compensation law.

Where to Find an Attorney

Finding an attorney who is experienced in workers’ compensation law can be as simple as flipping through the Yellow Pages or as complex as researching various websites. There is a website that offers a list of attorneys who are available for different services, located at Once there, the potential client can browse through the list and find out about the particular attorney he or she needs.

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The Appropriate Attorney May Enable You To Get Much More Money After An Accident

Catastrophic accidents normally leave someone with irreparable injuries that alter their own life completely. These accidents could suggest the person can’t work and also could have to have significant amounts of medical treatment later on. It is crucial for the person to make sure they will speak to a lawyer after an accident like this to ensure they’ll get the complete amount of compensation they’ll have to have.

The compensation the person really should get needs to be more than merely what exactly is necessary in order to take care of their existing hospital bills from the accident. The settlement really should also contain cash to be able to deal with potential future doctor bills along with lost wages. If perhaps a person is not going to be capable of going back to work, the amount they will get for lost pay alone may be a great deal of funds. The insurer will attempt to reduce exactly how much they’re going to pay for a settlement, thus the individual shouldn’t agree to the very first offer they may be given. Alternatively, they’ll want to speak to a lawyer who is going to be in the position to help them to receive the total amount they may be entitled to.

If you’ve been hurt in a catastrophic accident, check out the web page for Benedict Morelli right now to learn more concerning exactly how he can help you receive the total amount of compensation you’ll require to be able to handle the monetary component of your accident.

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The Advantages of Road Tripping for the Holidays

Families and individuals usually begin making their holiday plans months in advance, and those who prefer to travel for the holidays often invest in exotic trips to other continents, spending more money on plane fare alone than they would have on an entire holiday shindig at home. It’s strange, given that America has a long-standing reputation for fantastic road-trips, that more people don’t find the many reasons to choose a road trip for holiday travel more compelling. Read on to find out about a few of the reasons to consider a road trip for holiday travel found at

It’s Safe

Road trips are a remarkably safe way to travel for the holidays, and this inherent safety allows travelers to focus more on planning exciting adventures and discovering new things than on keeping their money safe and making sure nothing untoward happens. Chances are, families will be going to places that aren’t too different culturally from what they’re used to; everyone speaks the same language, there’s no possibility of running out of the correct currency, emergency numbers are the same, and there’s no need to invest too much into personal safety. Just be sure to keep the number of a vehicle accident lawyer and the vehicle’s insurance policy on-hand in case of an accident.

It’s a Great Value

Traveling abroad requires that intrepid adventurers pay an absurd amount of money on airline tickets, hotel accommodations, food, and travel. In comparison, road trips allow families to keep their budgets under control by carrying and cooking more of their own food, eliminating the need for separate airline and train tickets, and choosing cheaper accommodations. That extra money can be helpful when planning exciting detours without breaking the budget.

It Allows More Autonomous Planning

Traveling abroad usually requires that individuals and families either take pre-determined tour routes or shell out a bundle for car rentals and international licenses and insurance. That means there are few choices in terms of what to visit and where to go. Road trips allow families to plan as much or as little as they want in advance and to explore natural wonders and beautiful locations that are further off the beaten path.

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