If you have received the life altering news that you have been diagnosed with mesothelioma cancer, then the last thing you are probably thinking about is a court case. However it would probably turn out to be in your best interest and in the very best interest of your family members that you begin to take a look at the possibility of choosing a mesothelioma cancer lawyer as fast as possible since the necessary costs for treatments can be tremendous.
In the event that you do not currently know this, malignant mesothelioma cancer is an incurable affliction which could have been triggered if you inhaled asbestos fiber materials, probably ages back while you had been employed at your profession. It is also rather costly to treat. If you have not currently stopped working, you will need to prepare to stop since the onset of mesothelioma cancer will soon make working a job impossibility due to its ongoing debilitating effects.
The primary reasoning as to why you should hire a mesothelioma cancer law firm is that there is a time limit on the legal activities that are available to you once a diagnosis has been given in order to file a claim. If that moment expires you and your family are not able to collect any sort of compensation from the organization which caused you to obtain the disease by not providing proper respiratory protection.
Because of the way the system performs, you will need to retain a legal professional to represent you. This is the only realistic method for you to hold the company that caused you to become afflicted with cancer to be held accountable.
These cases usually involve large sums of monetary compensation. Mesothelioma cancer may sometimes manifest itself several decades after subjection to asbestos fiber. Therefore it can present a wholly unique obstacle for the legal practitioner that represents the mesothelioma affected individuals. A majority of the companies accused of not providing safety measures against asbestos exposure have either long gone out of business, transformed their names in order to mask their past, and a lot of the accused companies have also changed their locations as well. The main job of a knowledgeable mesothelioma law firm is always to track down the individuals that have brought about your illness.
Massive research and preparation are part of any court case and hold especially true in mesothelioma lawsuits. Your legal professional will also have to create a cause and effect scenario showing the company accused has brought about your cancer due to their negligence. This will usually call for expert medical accounts, witness testimony and documents proving your case will also need to be produced.
Gladiators
Saturday, March 5, 2016
How to Choose the Right Mesothelioma Law Firm
This morning I switched on the TV and the first thing I saw was and advertisement by and for a large mesothelioma law firm.
Mesothelioma is actually a very rare form of cancer, yet, several thousand people each year die because of this devastating disease, caused by exposure to asbestos. The lining of the lungs gets affected first, followed by the heart, the entire abdomen and later on, as the disease progresses, other areas inside the body of the victim. Each year around 3000 new mesothelioma cases are being registered. All asbestos induced diseases are known for their long latency period, which makes the diagnosis rather difficult. Many years or even decades may pass before a patient exhibits first symptoms. The overall prognosis is rather poor, effective treatments -- let alone a cure -- is yet to be found.
Mesothelioma law firms have mushroomed over the past ten years. Some of them were able to recover settlement compensations or court verdicts in the millions. Especially the so called class action lawsuits got the attention of the media and the public, since some of them had dollar amounts in the hundred millions at stake.
As mentioned before, it is not difficult to just find any mesothelioma law firm, however, teaming up with the right one for your case is the key to success. When I recently conducted research on New York mesothelioma attorneys, I came across with an interesting service that is offered by some the law practices; it is called 'expedited trial'. Via this procedure, your case will be litigated with a higher priority, which will safe you time and money. Not all mesothelioma law firms have the infrastructure and the connections to provide this special type of service to their clients. But those who have been around for a while and gained reputation and respect through the work they did in previous asbestos cases, are usually able to offer this 'extra' to you.
In sum: looking at the track record of mesothelioma law firms is certainly a good starting point. In a second step, I would recommend asking for a free consultation. Most of the law firms are willing to do that, since the want your business. This will give you the chance to meet with the lawyers face to face and allow you to make a decision as to whether or not you are comfortable with them on a personal level, too.
The author Tony Ulrich was diagnosed with kidney cancer in October of 2009. In his research on what his cancer could have been caused by, he came across with data that suggests a strong link to environmental toxins, such as asbestos.
When Should You Contact a Mesothelioma Law Firm?
A mesothelioma law firm is one in which the associates represent
the people or close relatives of people who have been afflicted with
mesothelioma and other asbestos-related illnesses. If you or someone
close to you has mesothelioma or another asbestos related disease and
you would like to pursue litigation then it is in your best interest to
contact a mesothelioma law firm.
If these firms have been
practicing law for an extensive amount of time the attorneys and support
team often empathize with the victims of these diseases. They also
develop a rather deep understanding of all of the work that is involved
in bringing the companies that caused so much grief and pain to so many
people to justice.
Laws that govern civil actions, or torts, can
be very complex. This is the precise area within which asbestos
litigation falls. One of the reasons that it can be so challenging is
that each state deals with this aspect of the law differently. Both
important elements as well as specific statutes can vary significantly
from one state to the next. For example, some states may have more
rigorous demands as far as demonstrating the burden of proof goes.
Because
these cases can be so involved it is important for mesothelioma victims
to work with mesothelioma attorneys. These men and women have often
devoted a significant portion of their lives keeping abreast of the most
current legal opinions, the latest research, as well as case law that
involves mesothelioma and other diseases that are related to asbestos.
In
order to consistently be successful, mesothelioma attorneys have to
master all of the complex issues that are involved with asbestos related
cases. Many times not only does the location where the exposure to
asbestos happened have to be identified, the conditions under which it
occurred have to be pinpointed as well.
Mesothelioma attorneys
also need to have information at their disposal that will let them
determine who manufactured the asbestos or the product that contained
the asbestos. Since exposure often happened decades before the disease
was diagnosed this could be a very daunting task for any law firm that
does not specialize in mesothelioma.
The challenge is compounded
because many of the companies either merged with or were acquired by
other companies over the years. Subsequently, a parent company that
currently operates under a name other than that of the original company
may be held liable. Large mesothelioma law firms often have massive
databases that are full of information that relates to just about every
area of the asbestos industry. And the databases are readily available
to them whenever they need them.
By the turn of the 21st century,
Halliburton, had paid close to $100 million in settlements for multiple
asbestos-related lawsuits that were filed against its subsidiaries. Do
you think this could have happened without such databases?
Get to a Mesothelioma Law Firm in Time to Claim the Compensation
It is better to take resort to a mesothelioma law firm or mesothelioma lawyers as soon as mesothelioma disease is diagnosed clinically. There are many essential and mandatory legal factors like time bar to file the suit, the time and duration for exposure, the damage caused due to working in a particular industry or damage caused by some arbitrary act on the part of the patient in his early life etc. As determining the applicability of all these factors are part of specialized knowledge and professional expertise so it is always wise to leave the decision in the hand the mesothelioma lawyers or mesothelioma law firm. Sometimes to find exactly how much relevance the alleged exposure does have with the claim for compensation, the mesothelioma law firm may even hire a private investigator to look into the matter. There are many law firms which exclusively deal with only mesothelioma cases. Such kind of law firms keep mesothelioma lawyers who do only deal with the cases relating to compensation claim in case mesothelioma disease is diagnosed in a patient. There are many companies which to up size profit, compromise the safety of the workers and make them work in dusty environment with little or no protection.
This irregularity is more often in asbestos industries and stone- crusher industries where the workers are exposed to hazard more expansively than anywhere. With each breathing they intake the microscopic dust particle which do not come out with exhalation but stick to the wall of lungs. After long time normally after years of working in that environment, when the body gradually weakened the hazard shows itself. So, it is probably an exception among the diseases, in which the harm is perceived when already it is too late to prevent. Once, lungs and heart thus weaken, automatically the patient is faced with considerable decrease in his energy to work and ironically, to earn. In such situation, mesothelioma law firm and mesothelioma lawyers become of great help. It is always pretty advantageous to the patient to take resort to legal advice from a reputed mesothelioma law firm in or around his locality, because the profit to the patient is from both sides, in winning or losing. During seeking legal advice in such cases the patient or any party on the patient's side does not need to pay any fees at the first instance. The fee is only claimed when the compensation is awarded to the patient or any party legally authorized. A percentage is charged by the mesothelioma lawyers or mesothelioma law firm who was engaged for the job. Whatever measures or options be taken by the mesothelioma law firm, it is not usually chargeable unless the case is won. So, it is advisable that whenever a disease of mesothelium called mesothelioma is diagnosed then it is better to avail legal advise regarding claiming of compensation. Unlike other law suits particularly in mesothelioma cases it is never a loss to seek a legal advice as there is no need to pay unless the patient is paid at first, in form of compensation.
How to Cut the Cost of Car Insurance
Less desirable and low value cars are cheaper to insure
When
I was 17 I wanted to own a Ferrari and live life in the fast lane. Even
if I could have afforded the car, then I couldn't have afforded the
insurance to cover it. At 17 you are brand new to the world of driving
and statistically you are more likely to make an insurance claim. Mixing
high-powered cars with inexperienced drivers is not something car
insurance companies are super-keen about, the chance of a claim shoots
through the roof with the price of the premium following it. When you
are young and inexperienced, buy a low-powered, low value car to try and
keep your car insurance premium to a minimum. If it is worth less then
it will cost less to fix/replace when in your youthful exuberance you
crash it. The same logic actually applies to everyone, the lower the
value of the vehicle and the lower the car insurance policy will be in
most cases. Sports and premium cars will always cost more to repair in
an accident so the insurance will reflect this. New cars now feature
myriads of anti-theft and driver aids that in many cases will help to
reduce the cost of insurance so keep an eye on the spec sheet when
looking at a new car. A good rule of thumb is that less desirable and
low value cars are cheaper to insure.
Age is a concern
I
mentioned it above and it bears repeating. Generally the younger you
are the higher your car insurance premium. This is down to inexperience
and the youthful belief that bad things will never happen to you. The
statistics say otherwise, which is often a shock to an unsuspecting
young driver who ends up in a crash wondering how it happened to
him...Driving experience and age are usually linked and that leads to a
method of reducing your insurance premium - whatever age you are you
will benefit from advanced driving courses and many car insurers offer
discounts for these qualifications. It may only be a five - 10 per cent
saving for the course but on a premium of £1000 it's worth having the
saving and it will remain with you for years, so it should be a good
investment, not to mention make you a better driver.
Keep adding to the no-claims bonus
The
more years you can accumulate without making a claim the better as most
car insurers will offer a discount on your insurance for this.
Effectively you are proving you are good business to have and because
you haven't made any claims then you are a good risk for them to
underwrite. There's nothing you can do here but keep your nose clean and
don't make a claim. If you own a low value vehicle and dent it parking,
you'd be advised not to make a claim on comprehensive insurance because
it would reduce your no-claims bonus, likely to be for a small amount
of money and you may even end up paying for most of it depending on
excess. In that case, provided you have not caused damage to any other
vehicles or property, keep quiet, fix it yourself and your saving on
no-claims bonus will be sweet the following year - in time, when you
have built up three or more years no-claims bonus, you can actually
protect your bonus, meaning even if you make a subsequent claim you will
not lose your bonus.
Convictions aren't cool
If
you are an inner-city teenager then an ASBO may be a badge of honour.
Insurers are less impressed by convictions though, so it is best to
avoid them if you can. Minor speeding offences are certainly not in the
same category as serial killer though, so if you have a couple of points
it will not be the end of the world or have a major influence on your
premium depending on the insurer.
If you've got a garage, use it
What
are garages for? If you ask the average person they'll probably say for
storing all the kids' toys, the home gym, bicycles, the freezer and
tumble-dryer. I have news for you all; the garage is designed to house
your vehicle when you are not using it. The fact that it puts a physical
barrier between any opportunist thieves and your car is a real good
thing and car insurance companies will recognise this and reduce your
premium if you park in a garage overnight. Using your garage will save
you money; it doesn't get any easier than that.
Anti-theft devices
Most
modern cars come with immobiliser and alarms factory fitted and if you
notify your insurer it will check to make sure they are to approved
standards and will apply discounts if applicable. You can get other
devices that slosh around in the passenger footwell until you park and
then fix to generally your steering wheel or gear-stick. These are
mechanical devices and some do attract further discounts if used, just
do your homework before buying. Thatcham is the organisation which
grades security devices and generally a decent mechanical security
device will feature its Thatcham approval very prominently along with
any premium discounts you may expect, so choose carefully.
Use a reputable broker
Car
insurance is very big business with around 30million+ vehicles on the
UK roads, so there is a wealth of car insurance companies to choose
from. Ironically, the big names you are familiar with are probably in
your head because of massive marketing campaigns on television, on-line
etc. Regardless of the message, those marketing campaigns need to be
paid for and that means they may not actually have the best rates,
although the sheer scale of some of these businesses means prices will
be keen due to buying or underwriting power. The best advice is to
compare a couple of different prices from different companies. Call the
insurer and then call a comparable competitor and then perhaps a small
car insurance broker. Each one will ask you if you have a price already
and you should tell them what it is. Generally if they want the business
they know what to beat. The moment you get a broker saying they can't
match the price then you are probably close to the best market price or
else speaking with a broker that is not a specialist in the area.
A word of caution on price comparison sites
There
are plenty of price comparison sites around which promise to drive the
cost of your insurance policy down - Money Supermarket, Go Compare,
Confused etc. They certainly do help reduce the cost of insurance as
most of the major players are fighting for business on the same
platform. Where these price comparison sites do not perform so well is
actually advising you on the sort of policy that's best for you or your
car. Would comprehensive be cheaper and more suitable than third party
fire and theft? The point is you cannot ask the price comparison site
for any advice, that's where car specialist brokers have the edge.
Compare it to buying a new house, would you buy one without a survey?
You might and then when it subsides into the sea you'll be praying your
insurance will cover it...the point is you shouldn't buy insurance
without talking with an expert either.
Pick up the phone
The
internet is a great shopping and selling tool, you know my feelings on
that from previous articles...but I suggest if you speak to a real
person at a brokerage then you have a much better chance of getting cheaper car insurance.
They can ask more questions, clarify your requirements and if needed
they can even delegate the rate (set the price themselves) if they
really want the business. There is no substitute for human contact, just
make sure you speak to at least three different brokers to get a true
comparison.
Got a nice postcode?
If you
live in a postcode where there are few thefts and claims then your
insurance premium will be lower than living somewhere that is a known
crime hotspot. If you can afford it, move to a posh area and you'll
benefit from lower insurance premiums. Not the easiest way to save on
the cost of insurance for sure...
Mileage and use
The
more miles you drive the more chance you have of being involved in a
claim. It's simple statistics. The fewer miles covered, the less your
insurance premium should cost. Don't tell lies though, if you exceed the
stated mileage by a distance then it could invalidate your insurance.
Married with kids?
Insurers
like selling car insurance to married couples mortgaged and with kids
and jobs. You are very easy to credit check and generally display
responsible behaviour which hints at a lower risk for the insurer. That
can reduce your car insurance quote.
Don't modify your car
We
all see the bling bling cars that haunt Supermarket car-parks late at
night and whether you like the tacky neon colours and loud exhausts is
neither here nor there - the fact is that any sort of modification is
likely to hike your car insurance premium. Modifications can draw
attention, invalidate warranties and in the case of loud exhausts, can
also be illegal (if above the noise limit). If illegal, then it could
invalidate your insurance as well. The fact is that car manufacturers
spend a lot of time developing their products so they work well and if
you modify them then it's all out the window and your insurer will be
scratching his head wondering what he should charge - and it will almost
always be more than a standard vehicle.
Collector Car Insurance - Top 6 Benefits of Specialty Collector Car Insurance Companies
People who own and drive collector cars have different needs for their collector car insurance than they have for their cars that are driven every day. A collectible car is by definition "special", and so it has special considerations to take into account when it comes to insurance. Your everyday insurance provider that insures the vehicle you drive to work is accustomed to dealing with claims on modern cars that depreciate in value as they age, and the average owner doesn't notice the difference between a $2000 paint job and a $10,000 paint job. A company that specializes in collector auto insurance has several key benefits to offer the collectible car owner.
Benefit # 1: Lower Premiums - A collector car is normally only driven on a limited basis, stored indoors, not driven in bad weather, and generally leads a "babied" life. Most classic car insurance companies are also somewhat selective in who they will insure. These two factors allow the classic car insurance company to charge much lower premiums than conventional insurance companies, because they know that the collector's car is less likely to be in an accident.
Benefit # 2: Agreed Value Coverage - Most classic car insurance companies offer an Agreed Value policy, which means that you come to an agreement with the insurance company on what your vehicle is worth before the policy is written. If you have a total loss accident or theft, an Agreed Value policy will reimburse the total amount that was agreed upon when the policy was initiated. Very few conventional insurance companies offer a true "Agreed Value" policy. They offer a "Stated Value" or "Stated Amount" policy has a clause that allows them to only pay what they "think" the car was worth, and it makes the assumption that your collector car is depreciating like a typical used car!
Benefit # 3: They Understand Your Needs - Specialty collector car insurance companies understand your needs better than a typical insurance provider does because in many cases the insurance agents and possibly even the owners of the company are car enthusiasts or collectors themselves. They realize how much your collector car means to you, and they understand the importance of the car being repaired correctly so that it retains its value. When presented with a claim they will give you much less argument and more leeway to get your car repaired the right way the first time.
Benefit # 4: Repair Shop Of Choice - Many everyday insurance companies will only pay a set rate for collision repair at a high-volume body shop that does average-quality work on modern cars. If you take your car to a shop that specializes in restoration work, you may be left footing the bill for the difference in cost. Many antique car insurance companies will allow you to take your car to a specialty repair shop, and they will pay what it costs to have the car repaired the right way by a craftsman that is skilled in restoration work.
Benefit # 5: OE Parts - On a similar note, many everyday insurance companies will only pay for less expensive aftermarket repair parts. Using non-original parts can reduce the value of your vintage car considerably, as they may not fit as well as original equipment parts and an all-original car is always worth more. Many specialty insurance providers allow for the higher cost of using original equipment parts.
Benefit # 6: Perks and Special Situations - Some collector car insurance companies offer many other types of benefits, such as coverage for spare parts, memorabilia, tools, car trailers, coverage for overseas transport, etc. Some even offer medical coverage for personal injuries that occur at car shows, and "event disruption" insurance that reimburse car show entry fees and non-refundable hotel deposits if you miss an event due to a mechanical breakdown on the way there!
All in all, specialty collector car insurance companies have a lot of advantages for the classic car owner. If you own and drive a collector vehicle, you will find that an everyday insurance policy from an everyday insurance company is severely lacking in comparison.
Top 10 Misunderstood Things About Car Insurance
After spending many years in the insurance industry we have come up
with a top 10 list of most misunderstood things about car insurance.
These car insurance myths are some of the most common questions that
most people have about direct car insurance either buying or reviewing
their auto insurance coverage. Its better to find out now before you
have a claim and it's too late.
- I just got my 1st speeding ticket my insurance rates are going to go way up.
Reality:
If this is your first ticket your rates probably won't even change.
Most direct car insurance providers will give you a pass if you don't
have any other tickets or claims in the past 3 to 5 years depending on
the company.
- That new Plasma TV I bought last year won't affect my Car Insurance
Reality:
If you didn't pay the credit card you charged it on then it just
might. Almost all insurance companies now use some form of credit
scoring when determining not only if you will qualify for insurance, but
also what you will pay. There can easily be 50% difference in rates
for a person with excellent credit to someone with poor credit.
- I just slammed my car door into my lawnmower parked in my garage, my homeowners policy will cover it
Reality: Your
homeowner's coverage has nothing to do with covering your car. The
only way your car will be covered is if you have Comprehensive (Comp)
coverage for your car. And then only after you pay you deductible.
- I just cracked up my friends car and I tell him don't worry my insurance will cover it
Reality: It
will but only after your friends policy pays first. So let's say your
friend has a $500 collision deductible and you have a $250 deductible.
You would have to give your friend the $500 for his deductible as his
insurance company is Primary. Meaning your insurance will only pay
after his policy limits are exhausted. So just remember in this
scenario your deductible does not matter its going to be based on your
friends.
- If you're riding your bicycle and get hit by a car your car insurance won't get involved
Reality:
If you get hurt or killed while riding your bike or even walking down
the street you maybe surprised to learn that you may be covered by your
direct car insurance policy. If the person driving the car didn't have
any insurance or not enough insurance to cover your injuries, your
Uninsured or Underinsured coverage would pay for your claim.
- Someone just broke into my car and stole all of my personal belongings out of it i.e. Cd's, Cell phone, Christmas Presents, my car insurance will pay for it.
Reality: Your car
insurance does not cover your personal belongings left inside the car.
You are going to have to file a claim with your Homeowners or Renters
insurance policy to be compensated for these items. The general rule of
thumb is your car insurance will only pay for items that are attached
to the vehicle
- I am going to be charged more for my Car Insurance because my car is red, blue, black, pink...
Reality: The
color of your car has absolutely nothing to do with your rates. If you
like red buy a red car, if you like black buy a black car. Don't ever
let this silly nonsense stop you from buying a car.
- I didn't have a car for the last 2 years, this won't affect my rates.
Reality:
Not having continuous car insurance is frowned upon by most direct car
insurance companies now a day's. Some companies won't penalize you for
not having prior insurance. If you don't have prior insurance make sure
you have a good excuse like you took the bus, or you were in the
military, or some other legitimate reason. Oh and by the way I couldn't
afford my insurance is not on that list
- Telling a little white lie on my insurance application won't affect my coverage if I ever have a claim
Reality: This
is one of the worst things a person can do. If you lie on your
insurance application there is a good chance you won't have any coverage
when you need it the most. You think they won't find out? Remember
these 2 things when insurance company is on the hook for a ton of
money. #1 They are going to start asking questions and the first thing
they look at is your application. Wouldn't you if you were them? And
reason #2, the insurance companies have more money than god and they
have people working full time to find this stuff out.
- Buying a cheaper more reasonable car will be less to insure the a more expensive car.
Reality:
There are a lot of different factors insurance companies use to
determine rates, however there are many times were the rate for the more
expensive car is less than the cheaper car. One of the biggest factors
for the Comp & Collision coverage's are how much do replacement
parts cost. Sometimes on those cheaper cars or the more exotic cars the
replacement parts can cost a lot to replace.
So just remember the
next time your online looking for a cheaper insurance policy, to
consider some of your options. There are hundred's of direct auto
insurance companies out there looking to get in your pocket, just make
sure when the time comes you can get into theirs.
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