Speeding One’s Way Behind Bars

By on 10-14-2015 in Car Accidents

There are millions of cars that fill US roads and highways every day, carrying people to different points of destination. The speed, convenience and comfort that cars give passengers have made these the most ideal means of transportation for Americans. However, like any other type of equipment, if cars are not used or driven safely, then bad results are always high possibilities.

One of the saddest things about driving though is that many drivers do not know how to be responsible on the road. Once behind the wheel, many easily forget all the education, training, advertisements and reminders that tell them about safe driving and road traffic rules that will help keep them away from an accident. Due to this, more than five million vehicular crashes occur every year, with at least 30 thousand resulting to death and more than two million to injuries.

According to the National Highway Traffic Safety Administration (NHTSA), the top four causes of car accidents are drunk-driving or driving under the influence (DUI), reckless driving, speeding and driver error. Speeding or driving above the set speed limit is the third major cause of fatal accidents for drivers, car passengers, pedestrians and other motorists. Every time a driver goes above the speed limit, he or she increases the risk of accident and, so, compromising the safety of so many others. This is because speeding, as proven through studies and actual events, reduces a driver’s reaction time to danger, makes stopping or slowing down a vehicle much harder, and lessens a driver’s control over his/her vehicle.

On a website, Tuscon personal injury attorneys speak of the physical and emotional repercussions of car accidents. But more than the pain and trauma caused by the injury, knowing that the accident was actually caused by someone who chose to compromise the safety of others simply because he or she felt the urge to drive faster, becomes much harder to accept.

Speeding is something that a person willingly chooses to do. It can cause severe harm on anyone which, otherwise, may not even happen if traffic rules would properly be observed. Therefore, it is of serious importance to take these issues seriously and penalize people that do not observe and respect the laws of the road.

Health Insurer Gambles on the Odds

By on 6-10-2015 in Medical Risks

In a surprise move, and contrary to the majority of its competitors, a health insurance company stands fast in continuing to cover the routine use of morcellators despite restrictions by the regulatory body on its use in gynecological surgery.

The Food and Drug Administration (FDA) issued a succession of warnings regarding the dangers posed by using laparoscopic morcellators for hysterectomies and myomectomies. The FDA went so far as to require manufacturers to add a black box warning to their devices. Large hjealth insurance companies such as UnitedHealth Group Inc. and Aetna Inc. scented danger in the air and restricted or withdrew its cover of morcellation in their policies. Health Care Service Corp. (HCSC), however, decided to hold off on a draft policy that would have made morcellation “not medically necessary.”

Power morcellators have been in use since 1991, and it is a highly efficient and minimally invasive way to perform hysterectomies or myomectomies. This is a good thing for everybody concerned. The devil was in the details.

Laparoscopic morcellation involved cutting up the target tissue into small pieces and extracted through the small incision or throught he vagina canal. Everything would have been fine if the surgeon was able to get everything out, but in most cases small pieces of tissue was left behind in the uterine or abdominal cavity. If the tissue, usually a uterine fibroid mass or the uterus itself, contained hidden cancer cells, the scraps of tissue act like seeds and spreads the cancer. In other words, morcellator use and cancer growth appeared to be linked.

However, this did not scare HCSC into running for the hills. The company is keeping its ears close to the ground, waiting for the first sign of real trouble. They have the support of the American College of Obstetricians and Gynecologists, which wants the patient to have the freedom to decide on what option to take, provided that the doctor tells the patient about the pros, cons, and options for the procedure.

Business Formation: Is a Limited Liability Company Right for You?

By on 4-30-2015 in Business

Starting your own business will involve a long process that can be hard to accomplish. There are important decisions to make and crucial arrangements to be made. After coming up with a marketable idea, the first step of business formation is usually deciding what type of structure works best with your plans. As the website of Arenson Law Group, PC puts it, every type of business structure has its own advantages and shortcomings. It’s important that you learn the nuances that differentiate each type of structure to learn which one suits the type of business you’re planning to run. Only after you have learned about the many types, you can start and make a decision that best suits for you.

One of the legal structures you can consider is a Limited Liability Company or LLC. According to the U.S. Small Business Association (SBA), an LLC provides a legal structure that allows a business to combine certain characteristics that make partnerships and corporations. In an LLC, business owners (called “members”) have limited liability protection, protecting personal assets from lawsuits and debts. The business can also benefit from tax efficiencies and operational flexibility when there are multiple members involved. With an LLC structure, your business will not be considered a separate tax entity. Instead, all the taxes required by federal law will be passed on to the LLC members as part of their personal income tax.

On the flipside to these advantages, the SBA points out that an LLC often have a limited life. Depending on where your business is registered, you might have to dissolve your LLC once a member steps away from the operations. Members of an LLC are also categorized by law as self-employed and will have to follow appropriate policies about tax contributions and similar payments.

It’s important to note that not all businesses will qualify to register as a Limited Liability Company. As mentioned earlier, the structure you choose will depend on what type of business you’re planning to operate. These qualifications and requirements might differ depending on where you live, so it’s best to consult with an experienced business lawyer in your area.

How to File an SR-22

By on 4-25-2015 in Insurance

The United States Census Bureau reported 10.8 million cases of vehicular accidents in the year 2009. This makes painfully clear the fact that accidents are a common problem in America. For their part, the federal government has taken several measures to mitigate the growing number of these accidents and the severe injuries they typically lead to. Among the safety nets put in place by the law is requiring drivers to have appropriate insurance.

Drivers all over America can be covered by different types of insurance. Since policies differ from state to state, their insurance coverage will depend on where they live. The type of insurance required by law will also depend on different contexts or scenarios. For example, there are particular drivers that will be required to file an SR-22.

Unlike other types of insurance, an SR-22 is specifically meant for drivers that have committed traffic law violations. These drivers are typically referred to as high risk drivers and have been suspended from driving privileges as part of the penalty for their infractions. The only way high risk drivers can regain these privileges is if they file an SR-22 form to the Department of Motor Vehicles (DMV), which will prove that they’ve paid for an insurance package that meets requirements mandated by state law.

As pointed out by the website of Habush Habush & Rottier S.C.®, an SR-22 is required of drivers who have committed the following violations:

  • Driving under the influence (DUI)
  • Driving while intoxicated (DWI)
  • Driving without insurance
  • Causing an accident without proper insurance
  • Committing 3 or more violations in a single year

To regain your privileges as a driver, you will need to consult with a trusted insurance company and pay for the policy that’s appropriate for your situation. Once you’ve purchased the required insurance policy, you will have to fill up the SR-22 form and submit it to the DMV office in your area. There are insurance companies that can help you with this process and ensure that you get your privileges right away. Make sure you do sufficient research to find the company that’s most equipped to handle your SR-22 insurance.

BP Oil Spill Claims: Information for Affected Louisiana Non-Profits

By on 4-22-2015 in Oil Spill

It’s no surprise to say that the British Petroleum (BP) oil spill in 2010 left devastating effects for the Gulf of Mexico and the nearby Louisiana coast. In fact, much of the consequences are still felt today—about five years down the road. The environmental impacts are enormous, with the National Wildlife Federation reporting that 14 different species continue to live at risk in their natural habitat. On top of that, the local communities in affected areas are also suffering from heavy burdens due to the devastating effects on socioeconomic life.

Many businesses and individuals in Louisiana are still working hard to achieve some financial stability after the BP oil spill. Similarly, non-profit organizations are also struggling to keep their doors open. As pointed out on the website of Williams Kherkher, non-profit organizations mostly rely on donations to sustain their revenue and operations. Because everyone else in the surrounding area is deeply devastated, organizations concerned with wildlife and environmental preservation, historical preservation, disease research, and education are seeing significant decline in the amount of donations they receive. As such, plenty are considered ineligible to apply for compensation from BP.

Non-profit organizations affected by the oil spill are entitled to file for claims based on BP’s settlement agreement. As delineated in the agreement, non-profits can claim for compensation in the amount of “the different between projected and actual revenue” following the 2010 accident. In certain cases, BP will also reward affected non-profit organizations with a so-called “Risk Transfer Premium,” which could amount to an additional 150 to 250 percent.

Non-profit organizations do a lot to help serve the public. As such, these organizations can easily be considered as an integral part to the socioeconomic workings of their local communities. Because of this, it’s important that non-profit organizations receive immediate help in stabilizing their financial issues. After receiving sufficient compensation, non-profits can do a lot to uplift help solve the issues caused by the 2010 oil spill.