Low Interest Auto Loans – Tips To Get Lowest Auto Loan Interest Rates

Unless you’re paying cash, it is no wonder that you are searching for low interest auto loans. Getting the best auto loan rates just makes good financial sense.

However it takes a little work to find the lowest interest, simple work that most people are unwilling to do. Here are some tips to get the lowest auto loan interest rates.

1. Low Online Auto Loan Quotes

There are many banks and auto loan companies online that offer competing auto loan quotes. Because of this almost global competition online lenders are more likely to offer you the lowest interest auto loan quote in order to get your business.

Safe, secure and fast you can apply for a auto loan and get approval in minutes. Then you can compare and choose the one with the lowest interest rate. This allow you to shop for a car like a cash buyer, saving you even more.

2. Get Your Credit In Order

Your credit history will ultimately determine how low the interest rate will be on your auto loan. You should know where you stand, credit wise, before you apply for a loan not after. Get your credit report, it’s easy, and by law you are entitled to one free credit report a year or every 12 months, get it. The three main credit reporting agencies are Equifax, Experian, and TransUnion.

3. Know Your FICO Score

This plays a big part in whether you will be approved and the interest rate of your auto loan. Your FICO scores are the credit calculations or scores many lenders use to determine your credit worthiness.

The FICO credit score range is widely accepted to be between 300 and 850, the higher the better. Raising low FICO scores not only can help you get the lowest interest auto loan but will also save you thousands on the total cost of the car.

4. Dealing With Bad Credit

It is not impossible to get a low interest auto loan with bad credit. In a perfect world you will have your bad credit erased, but as you know this can take time. Time which you may not have before you need a car.

In the case of a bad credit history a low interest car loan does not mean best low interest rate available, but lowest interest auto loan for people with bad credit.

You definitely want to have options in this case. Taking the time to research and compare auto loan quotes will pay off handsomely with a low rate auto loan with bad credit that will allow you to be able to afford that car.

In many cases low interest car loans are just a click away. If you can get your credit and FICO score high or high enough then it is just a matter of shopping for the best interest rate for a auto loan wisely. That is right, shop just like you will for a car, even if you have bad credit. Then compare a minimum of 3-4 auto loan quotes online or locally, this will enable you to find and secure the best low interest auto loans that you can afford.

Auto Loans for a New Car – Prepare Yourself for a Buying New Car

Every American dreams of the amazing invention called car. The car dream is passed over from one generation to another. Everyone wants to get behind the wheels of a brand new car. Truly, buying a new car is the perfect dream.

When you set out to own a new automobile, auto loans become a necessity. This is because most new cars cost a pretty penny. Also, most of us don’t have ready cash to incur such an expense. If you are looking for a new auto loan, this comprehensive article can solve your problem.

Best Time to buy a Car

Most experts will suggest that it’s best to buy a car in the last quarter of the year. But, when you need a car, you need a car. You cannot wait till the year-end shopping season to buy what you need. The best time to buy a car is when you want it.

Why Auto Loans for New Cars are LESS EXPENSIVE now?

There are many lenders and auto financing companies who offer year-round great rates on new car loans. This is because of the constant cut-throat competition in the auto financing market. You can easily get approved for a low rate auto loan if you follow the following tips.

How to prepare for buying a New Car with Auto Loans?

Financial – WISE

Every great decision begins with planning. When you even decide the color of your new car in advance, why not plan your budget. A wise car buyer never discounts the importance of planning. Calculate your income and expenses. Once you know the amount that you can spend on monthly payments, you will see things in a better light. It will help you to decide on the loan amount and the car as well.

Credit Score

Getting a good score was important in school, it’s important even today. Understand that a better credit score will ensure better rates. If you have bad credit history, try to improve it before applying for a new car loan. Also, don’t forget to check your credit report because it may contain errors.

Down Payment to avoid Dangerously High Rates

Down payment is the wonderful life-saving drug in the world of auto financing. Paying 10% of total car loan cost as down payment can work wonders for you. Don’t worry if you don’t have money to make down payment. Use your old car as a trade-in. But, make sure that the car doesn’t have any lien because it will make matters worse.

When you buy a new car, car manufacturers offer cash rebates. You can use that money as down payment so that you don’t have to lighten your wallet. E.g. If you buy a new 2013 Ford Fiesta in Seattle, the company offers $1500 in cash-back scheme. If you buy a Chevrolet Camaro ZL1 in the same city, you will get $1000 as cash rebate.

Can you find a Co-signer?

Finding someone with a good credit score can be ideal for any auto loan. As the new car loan amount is more than the amount of financing a used car, lenders want to ensure safety. They feel more secure when they have a co-signer in picture.

Choosing the Lender

Understand your situation before filling the new auto loan application form. It will help you in choosing the best auto loan program. If you are a first time buyer, many lenders as well as car manufacturers can offer you an auto loan under first time car buyer program. If you are college student, there are many college discount programs available.

A bad credit borrower must ensure that he applies at a sub-prime lender only. Go for a lender that offers auto loans to low-income car buyers if income is a problem for you.

When you apply for auto financing for a new car, you have many options for getting car financing:
1. New Car Dealerships who offer financing
2. Online Auto Financing Companies
3. Auto Lenders
4. Banks
5. Car Manufacturers’ Financing Companies

Consider every option so that you choose the perfect auto loan program with lowest interest rates and flexible loan terms. Trust only those lenders who are reputed. Also, ensure the safety of the websites before filling the online auto loan application forms.

Take your time in choosing an auto loan for your new car. If you choose an affordable car loan, it will help you in getting better rates in future.

All the best for choosing the best!

Subprime Auto Loan Lenders

A sub-prime buyer is a person who need loan to buy auto but has bad credit or a lower credit score than the prime borrower. If you are a sub-prime automobile loan lender then do not get upset there are many auto financing groups available online, that would help you in finding the best of the car loan available online. There are many websites that will provide you with financing that are extremely lenient and have easy requirements to get approved too.

The online financing party understand in giving second chances to everyone who deserves it. Traditional lenders only care on getting the loan amount back with interest. If they see a chance for a default loan payment then they will not approve your auto loans for bad credit. But, the online car financing provider will make sure they understand you support you in your financial despair.

Consider Internet to be your main domain for couple of weeks. Search for the best website that provides with lenders from all over the nation. There are many financier lenders online so do not worry for the customer service. With the help of online car loan you will only get the best of all. Why? Because of the heavy competition it becomes crucial for all the lenders to provide you with best auto loan rates online.

Why online lenders are good options to get auto loans for bad credit?

Firstly, be realistic! You have a bad credit and no traditional lender will approve you and auto loan with a credit like that. They all want confirmations of the loan payments back to them. It is your priority first to get a car loan and increase your credit score by paying off the loan amount. There are many financier’s available online that are ready to provide car loan financing based on credit score. There are many people online who have already received the benefits of auto loans for people with bad credit. If you think you are a bad credit score, then I would recommend you to apply for sub prime car loan online. If you are someone who is going through tough times in life, then I would strongly recommend you to buy a bad credit auto financing online. All you have to do is to show confidence that you will be able to return the money back to the financiers irrespective of the personal financial or social crisis like death or divorce.

The world economy is collapsing, and US is not only the one in economic downturn but there are different countries that are going through the same situation. Considering this condition, some of the financiers have come forward in giving a helping hand to all the auto loans for bad credit. You can use auto finance calculators available on all the online websites just to help you know the final figure so you can decide on which sub-prime auto loan you should finalize. When you go online and search for the best car loan rate website makes you have the complete power. From all the financial deals, car finance deal is the second largest and the most happening one online. People are going online every now and then for each and every commodity shopping.

Calcium Needs At All Life Stages

It is the most abundant mineral in the body, present mainly in the bones and teeth. From the start, toddlers have an increased need for dietary calcium to support bone growth and skeletal development that takes place rapidly in the early years of life. This development and its need – continues into the teenage years and is particularly crucial for adolescent girls who need to stock their calcium supplies to prevent osteoporosis later in life. Adequate intake at this stage is needed to support ongoing bone growth and to achieve peak bone mass. It is an essential dietary element required in optimal amounts for good bone health, efficient nerve and muscle function, and overall cardiovascular health. Without enough of it throughout life, a person’s bones can begin to weaken over time. That can make it more difficult to stay active while also creating a higher risk of fractures and osteoporosis. A person’s bone density will generally reach its peak at roughly age 30, and then begin to fade after that. Adequate daily intake can help maintain proper bone density and help prevent osteoporosis – which creates porous and fragile bones. It makes up about three percent of the earth’s crust and is a basic component of most animals and plants. Eating a diet rich in calcium helps to restore it to the bones; supplements can help as well.

Why is calcium necessary?

It is known mostly for its role in building and maintaining strong bones and teeth, but it is also required for proper functioning of the heart, muscles and nervous system. It plays a role in maintaining normal blood pressure, regulating blood clotting. It is also associated with relieving mood swings, food cravings, and decreasing the pain, tenderness and bloating associated with premenstrual syndrome.

What are the deficiency signs?

Deficiency symptoms (also known as hypocalcemia) range from minor – numbness or tingling of the fingers, muscle cramps, lethargy and poor appetite – to more severe, including mental confusion, skeletal malformations, dermatitis, and in infants, delayed development. Illnesses such as osteoporosis (brittle, thin, porous bones that easily break) and rickets are also associated with a deficiency.

How much, and what kind, does an adult need?

If vitamin D levels are optimal, most adults should be able to meet their daily calcium needs via a varied diet. When individuals are unable to get enough of it through a diet or for those who may need more than the recommended daily allowance, supplements can help. Doctors recommends women supplement with 500 to 700 mg of calcium citrate in two divided doses taken with meals for a total of 1,000-1,200 mg a day from all sources. Supplementing with its citrate form, which is more easily absorbed than other forms, taken with half the dosage amount of magnesium.

How much does a child need?

The normal daily recommended intake for children is as follows: infants through three years of age is 400-800 mg; children between 4 and 10 years of age is 800 mg; adolescent males is 800-1,200 mg; and adolescent females is 800-1,200 mg daily.
How do you get enough from foods?

An abundant source of this mineral in the American diet is dairy products – two glasses of milk per day provide 1,000-1,200 mg. If you choose to get via dairy products – and this is not essential, as there are many other calcium-rich foods – make sure you use only hormone-free, organic dairy products to reduce your exposure to the antibiotics and hormones found in many dairy products. Non-dairy foods include: greens such as collards, mustard, kale, and bok choy; canned salmon (with bones) and sardines; tofu, soy milk, fruit juice and cereals; blackstrap molasses; and broccoli.

Are there any risks associated with too much?

Its supplements can be constipating, and should be balanced with magnesium as discussed above. Excessive amounts in the blood may have negative effects, including nausea, vomiting, loss of appetite, and increased urination. More serious complications include kidney toxicity, confusion, and irregular heart rhythm. Studies indicate that men who take too much may have an increased risk of prostate cancer, and should limit their dietary intake to 500-600 mg daily from all sources.

Who should we take it as supplements?

It is an important mineral for the human body. It helps build and protect your teeth and bones. Getting enough of it over your lifetime can help prevent osteoporosis. Most people get it through their normal diet. Dairy foods and leafy green vegetables have high levels of calcium. Your health care provider will tell you if you need to take extra dose id required.

TYPES OF CALCIUM SUPPLEMENTS

Forms of calcium include:
Calcium Type
Pros
Calcium citrate (21% calcium)
Most easily absorbed
Calcium carbonate
Least expensive; has more elemental calcium

Calcium carbonate. Over-the-counter (OTC) antacid products contain it and these sources of it do not cost much. Each pill or chew provides 200 mg or more of calcium.

Calcium citrate. This is a more expensive form of calcium. It is absorbed well on an empty or full stomach. People with low levels of stomach acid (a condition that is more common in people over age 50) absorb this better than other forms.

HOW TO TAKE HIGHER DOSE

Increase the dose of your supplement slowly. Your provider may suggest that you start with 500 mg a day for a week, and then add more over time.Try to spread the extra dose you take over the day. DO NOT take more than 500 mg at a time. Taking it throughout the day will:

Allow more calcium to be absorbed

Cut down on side effects such as gas, bloating, and constipation
The total amount adults need every day from food and supplements:
19 to 50 years: 1,000 mg/day
51 to 70 years: Men – 1,000 mg/day; Women – 1,200 mg/day
71 years and over: 1,200 mg/day

SIDE EFFECTS AND SAFETY

DO NOT take more than the recommended amount of it. Try the following if you have side effects from taking extra calcium:

Drink more fluids.

Eat high-fiber foods

Switch to another form of calcium if the diet changes do not help.

Always tell your provider and pharmacist if you are taking extra dose. Its supplements may change the way your body absorbs some medicines. These include certain types of antibiotics and iron pills.

Are there any other special considerations?

Vitamin D is key to absorbing and so make sure to get adequate intake of vitamin D. Vitamin D, often referred to as the “sunshine vitamin,” is actually a fat-soluble hormone that the body can synthesize naturally. There are several forms, including two that are important to humans: D2 and D3. Vitamin D2 (ergocalciferol) is synthesized by plants, and vitamin D3 (cholecalciferol) is synthesized by humans when skin is exposed to ultraviolet-B (UVB) rays from sunlight. The active form of the vitamin is calcitriol, synthesized from either D2 or D3 in the kidneys. Vitamin D helps to maintain normal blood levels of calcium and phosphorus.

Vitamin K2 is a beneficial form of Vitamin K for bones. Unlike Vitamin K1 which is used to activate blood clotting proteins, Vitamin K2 is beneficial for activating proteins which help bind calcium to bones. Vitamin K2 is found in food but not in anywhere near the concentration found in Osteo-K. Taking Osteo-K helps boost daily intake of vitamin K2 to support bone health. Older people may need to take it in extra larger doses because they do not absorb it as well as younger people.

If you take oral vitamin D,you also need to take vitamin K2. Vitamin K2 helps to move calcium to proper areas where its needed and removes it from sites where it shouldn’t be present like arteries and soft tissues. When you take vitamin D, your body creates more of these vitamin K2-dependent proteins, the proteins that will move it around. They have a lot of potential health benefits. But until the K2 comes in to activate those proteins, those benefits aren’t realized. So, really, if you’re taking vitamin D, you’re creating an increased demand for K2. Vitamin K2 deficiency is one of the reason why people suffer from vitamin D toxicity symptoms which includes improper calcification leading to hardening of arteries. And vitamin D and K2 work together to strengthen your bones and improve your heart health.

It seems likely that 150 to 200 mgs of vitamin k2 is enough to activate your K2 dependent proteins to shuttle calcium to proper areas.

How can you tell that you are deficit of vitamin k2?

There is no specific tests for finding it. By assessing the lifestyle and diet you eat,one can find whether he is lacking the critical nutrients needed for the body. If you face following health conditions then you are likely deficient in vitamin K2.

Do you have osteoporosis?

Do you have heart disease?

Do you have diabetes?

If you are facing such symptoms, its better to think on deficiencies and take necessary steps.

The Top 10 Benefits and Uses of Essiac Tea

Essiac tea is an alternative health drink that is getting a lot of attention lately. It’s a tea that is comprised of several herbal elements include burdock, rhubarb, elm bark, and many other elements. It has been traced to being a major drink of indigenous tribes in North America. Researchers have been studying the drink for some time, and it has been shown to help the body in a number of ways. Drinking this on a regular basis could very well help with the following 10 benefits.

Liver Health

The first major benefit is in regard to the liver. The blend of herbs helps with cleaning the liver of toxicity. It can flush toxicity through the liver, and process it through the urine. With this tea, some individuals may see a reversal of issues related to jaundice. Which is a disease of the liver. While it’s not a miracle cure, it does support liver function, enzymes, and the removal of toxicity that can end up traveling through the body’s digestive tract. It can help boost immune system, and waste management, with a boost to the liver outright.

Ease Constipation

For individuals that are dealing with bowel movement issues, specifically constipation, this tea can help. The herbs can help soften the stool, and can help bring through enough fiber to help with intestinal distress. This is an easy laxative to take as it works with the body’s natural systems. It’s not a chemical stimulant, or harsh fibrous element. The herbs help the body manage waste, and assist with constipation with ease. There is no pain, or issue when taking this tea, as it helps the body within a few hours of drinking it, assuming the individual is struggling with constipation.

Iron Supplement

Essiac tea has a few key vitamins and minerals. One of the most common is iron. Iron is a very critical part of the body’s natural systems. With iron supplemented through tea drinking, you’ll find that the proteins in the blood help form red blood cells, and even help with reversing anemia. This strengthens circulation, and assists with proper production of hemoglobin. Staving off anemia is a great thing, and can help people that are struggling with diet and exercise, get a small boost in the right direction. It helps directly with the circulatory system, promoting heart health.

Blood Pressure Regulation

Those dealing with blood pressure issues, specifically high blood pressure, will find that the tea can help with circulation. It can help with lowering pressure, and regulating heartbeat. Those that utilize this as a calming drink, will find that it can help with a variety of different elements in the body. It can lower pressure, and even help with stress. It begins working within the first time taking it, and works as one drinks more of it through several days. Studies have shown that in a few days, pressure can significantly drop to safer levels.

Bone Health

Much like calcium, this tea can help with bone health. While it’s not the same compound as calcium, it does help with strengthening bone structure, and delivers a powerful mix of vitamins and minerals that the body utilizes to strengthen bone structure. There is a calcium element in this, but not as much as milk, but enough to help boost the body’s natural resources to help with strengthening bones that are susceptible, or may be weakening from injury, or malnutrition.

Energy Boost

While Essiac tea is not caffeinated like a cup of tea, there is an energy level boost given to drinkers of this tea. It’s done through an increase of vitamin-C, and B elements. By helping the body’s natural systems get a boost in vitamins, waking up becomes easier, and getting a little natural energy delivers on the premise that coffee does, without the crash. That’s right, there’s no crash, there’s no sleepiness after drinking this, instead, energy becomes natural, without stimulants. It has a balance that works with the body.

Helps Digest Food

Having problems digesting food? Upset stomach? Nausea? Well, the benefit that this tea gives the digestive system is immense. It helps bring about the right pH levels of the body. By stimulating the stomach to produce the right enzymes, and bile production from the glands, you’ll find that digestion is much easier. That means that eating will not be a chore, and you’ll reduce heart burn, acid reflux, and much more. This helps by adding a helping hand to the stomach’s acid, so that it stabilizes a bit easier. It becomes easier to enjoy your favorite foods, that’s for sure.

Regulate Sugar Levels

While this is not a cure for diabetes, it has been shown to help with insulin production. It can help with insulin secretion, and management. This can help lower blood sugar spikes, and help keep levels lower, although it’s not a replacement for any diabetes treatment. It can help people that are susceptible to blood sugar spikes. This can also help with boosting the pancreas’s levels as well. For those that are diabetic, the tea can help with kidney function, and help with reducing toxicity. It helps with urination, frequency, and quantity as well.

Help The Skin

Researchers exploring the benefits of Essiac Tea have found that it can help with skin care. Used as a topical solution it can help with anti-septic, and anti-inflammatory elements. It also helps from the inside out, providing skin care elements, reduction of acne, and even fine lines. Those that are looking to help with the signs of aging will see a boost in overall skin care in a few days. It helps the body with hormonal secretions and balance, helping the skin heal from the rays of the sun, to the interior of the dermal layers.

Promotes Weight Loss

The last major thing that you’re going to find with this tea is that it helps with losing weight. By helping the body’s digestive system, you may get a boost of metabolic ratio. That means that you will burn calories, even when asleep. Pushing the metabolic rate is a great thing, and can lead to faster weight loss, and sustained management in time.

What Is Tort Law Exactly?

Have you ever done something that was against the rules? Well, torts are something like that; but much more serious. Torts are civil wrong-doings; immoral behaviors and actions against civilians. The law identifies a tort as immoral, and approves it as grounds for a lawsuit. Most often, torts come with severe consequences, like serious injuries and death. These consequences establish a civilian’s right to file a personal injury claim against a wrongful party.

Torts that result in serious injury or death can be punishable by imprisonment; however, the objective of tort law is to acquire compensation for damages incurred by victims and families of victims. In addition, and equally important, intent is to prevent similar wrongdoings from occurring in the future. In fact, victims of tort can take legal action for an injunction in order to inhibit further torturous conduct of the opposing party.

Explaining Torts and Tort Law

Victims of tort can pursue fair compensation for damages incurred as a result of the offence. Exemplary damages include everything from pain and suffering to loss of companionship, and much more; such as lost wages, hospital bills, medical expenses, scarring or disfigurement, funeral expenses, prolonged rehabilitation, permanent disabilities, and much more. Injured victims can also pursue compensation for damages like diminished quality of life and loss of benefits from loved one’s death. Tort law is established to protect injured victims that were wrongfully hurt by a negligent party. Negligent parties can include people, companies, individuals, organizations, products, and much more.

Categories of Tort

There are several individual capacities of tort law that all depend on the type of injury or accident that harms a person. Types of tort include motor vehicle accidents, product liability, assault and battery, sexual harassment, drunk driving accidents, wrongful death, slip and falls, head or brain injuries, dog bites, nursing home neglect, motorcycle accidents, and several other types of deliberate inflictions of emotional or physical trauma.

Every type of tort can be grouped into three separate categories of tort law; these categories are Intentional Torts, Negligent Torts, and Strict Liability Torts. Intentional torts are deliberate, premeditated, and purposeful. Assault and battery, sexual misconducts, and nursing home neglect are some examples of intentional tort. Negligent tort occurs as a result of carelessness and disregard. Disobeying traffic signals and causing an accident that harms another person is an example of negligent tort. Other examples include pedestrian accidents, hit-and-run accidents, medical malpractice, legal malpractice, and slip and fall accidents. Strict liability torts, on the other hand, occur when a particular action causes harm or damage to another person; such as liability for making and selling defective products that are hazardous.

If you are a victim of tort, or was recently injured in an accident caused by the negligence or misconduct of another party, you may be entitled to compensation for your damages. Contact a licensed personal injury law firm for professional guidance and counsel. It is important to take immediate action following a serious injury before the State’s statutes of limitation runs out. An experienced tort lawyer will substantially increase your chances and likelihood of winning your personal injury claim recovering compensation for your damages.

Posted in Law

Common Benefits Received From Workers’ Compensation

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.

Posted in Law

Who’s Liable for Injuries Sustained in Public Transportation Accidents?

Public transportation is a wonderful asset for thousands of Americans all across the country. Buses, trains, subways, limousines, metros, taxi cabs, and more are just a few examples of the variety we have to choose from when it comes to public transport. As customers and clients, we generally trust that these choices are safe and reliable; but sometimes unexpected accidents happen.

If someone is injured while using public transportation, who is at-fault for their damages? There can be several outcomes when determining who is liable for accidents such as these. Continue reading to understand all the possible parties that might be liable, under law, for injuries sustained to public transient customers.

Public Transportation Traffic Accidents

When it comes to public transportation, buses are one of the most popular. Tickets are inexpensive, and some buses are complementary to individuals in the community. School buses are also widely used for public school transportation. With the rising popularity of public buses, more and more are on the roads every day. As a result, the number of bus accidents continue to increase each year. According to the National Highway Traffic Safety Administration (NHTSA), more than 300 bus accidents happen every year, all of which resulting in fatalities.

Bus crashes, and other public transport cases, are complicated to litigate. Determining the at-fault party is a bus crash can be tricky because it may be more than one, or none at all. It requires the professional litigation skills and trial experience of a licensed car accident attorney to effectively pursue a bus accident injury lawsuit or claim. If you or someone you loved has recently been injured in a public transportation accident, like buses or taxis, contact a local personal injury lawyer to learn your rights.

Possible At-Fault Parties:

  • The Driver
  • Management Company
  • Other Negligent Vehicles
  • Government Entities (If Public)
  • Equipment Manufacturers
  • City Traffic Management (If Defective Light or Sign)

Common Causes:

  • Drunk Driving
  • Driving Under the Influence of Drugs
  • Defective Stop Light or Traffic Sign
  • Hazardous Weather Conditions
  • Reckless or Careless Driving
  • Poor Equipment Maintenance
  • Treacherous Roads
  • Defective Equipment
  • Obstruction of Views
  • Other Negligent Vehicles on the Road

Traffic accidents, public or not, can happen very suddenly, and usually result in serious injuries and damages to innocent bystanders and drivers. If a person is injured using public transportation as a result of another carelessness or negligence, they are entitled to legal compensation for their pain, suffering, lost wages, medical bills, and more. 

Posted in Law

A Myth Regarding Personal Injury Protection

I often get told by my clients that they “do not want to make any claims on their own insurance policy” because “it will raise their rates.” Like many things, this is an insurance tactic meant to scare people from claiming what is rightfully theirs. Let me elaborate further.

Under Texas law, every person in the State must carry Personal Injury Protection (“PIP”) coverage on their auto insurance policy, unless you expressly sign a rejection or “opt-out” of this coverage. The State minimum requirement is $2,500, although many people carry $5,000 or $10,000 in coverage (or sometimes even more, depending on what their auto insurance carrier offers). Importantly, under the Texas Insurance Code, it is illegal for your insurance company to raise your insurance rates, drop your coverage, affect your credit, etc. for making these claims. Therefore, if you have this coverage, you always want to use it.

PIP coverage is meant to reimburse you for two things: (1) medical bills you have already incurred or (2) lost wages (although it will only cover 80% of your lost wages). Additionally, Texas allows “stacking” of insurance benefits. For example, let’s say you get into an accident and you are taken to the emergency room where you incur a $10,000.00 bill. Let’s also say that you have the standard $2,500 PIP policy through your insurance company. After you are finished treating, we send that same $10,000 bill to both the Defendant’s insurance company and to your own. We get you paid $10,000 from this insurance company plus $2,500 from your own PIP coverage for a total reimbursement of $12,500. That’s right, you get paid $12,500 for a bill that was originally $10,000.

I always tell my clients the same thing: If you pay for this coverage every month in your premium, and if your insurance company cannot raise your rates for using it, then why wouldn’t you use it? It is free money falling out of the sky. However, because it’s free money falling out of the sky, many insurance companies (and their agents) will deliberately try to convince you that you do not need it because “it cost more.” Again, this cannot be further from the truth. The cost of this coverage is literally pennies on the dollar for what you get in return should you need to use it. Further, the best part is that this coverage is no-fault, meaning you are entitled to these benefits whether you caused the accident or if someone else hit you.

For these reasons, it is a no-brainer not only to have this coverage, but also to use it once you need it.

Posted in Law

How Do Strong Social and Community Ties Impact Your Health?

I called my friend, also named Lisa, who lives in Houston, Texas. Hurricane Harvey’s devastation had not only hit Houston, the fourth largest city in the United States, but many communities in the Gulf Coast region. According to my friend, who lives on the north side of Houston where they got no flooding except for those who were near a river or large body of water, the worst of the rain is over. People are leaving shelters scattered thought-out Harris County, where Houston is located.

Out of the 6.5 million people in the greater Houston area only about 1.5 million lost power and most all the water is drinkable. No need for ice, a valuable commodity, for many of us here in Charleston who experienced the wrath of Hurricane Hugo. Unlike Houston, Hurricane Hugo, also a category 4 storm, was a direct hit and as a result we not only got the flooding but also high winds. But no one can deny that the Houston area experienced the worst flooding in its history, with some areas getting as much as 50 inches of rain. And because Hurricane Harvey’s devastation was so widespread, it will take years for the region to recover from this natural disaster.

My friend, Lisa, who is originally from Charleston, knows about hurricanes and the emotional roller coaster they bring; the anxiety before the storm of not knowing exactly what is going to happen, the storm itself, the flooding and aftermath once the storm has passed. No doubt, you too, no matter where you call home, are aware of the horrific situation the residents of the Gulf Coast region, north of Brownsville, Texas, are now experiencing. Lives have been lost, people displaced and the uncertainty of what’s ahead. It is one thing to watch the news again and again and be reminded of the destruction and the anguish. But to just absorb the information without acting when we can help can be paralyzing and emotionally harmful.

Animals as well need help and assistance. Donate to the Houston Humane Society, which is helping animals affected by the storm. The Hurricane Harvey Relief Fund, administered by the Greater Houston Community Foundation, is another charity. You may also want to check out Charity Navigator to further ensure your donations are helping those in need.

By helping those in need, you too can benefit. Studies have shown that people with strong social and community ties tend to live longer, are less likely to report being depressed, and have a stronger a sense of belonging, purpose and self worth.