According to an article on the LA Times, California leads the nation in the number of dog bite insurance claims in 2013. A dubious honor, but what can you do?
It was reported by State Farm and the Insurance Information Institute (III) that 1,919 insurance claims were filed in California, costing insurers a hefty $64.7 million in payouts, averaging $33,000 per claim. Second place goes to New York with 965 dog bite claims at a cost of $41.6 million. Dogs are considered man’s best friends, but some insurance companies may disagree.
Nationwide, the number of insurance claims for dog bites increased 5.5% in 2013, costing insurance companies $484 million, representing about 35% of homeowners’ insurance total liability costs. But the statistics may be misleading as these figures include claims for non-bite dog attacks such knocking down, scratching, or scaring a person. The III states that the average cost of a claim increased 45% compared to 10 years ago mainly because of higher medical costs but also because the size of settlements or awards are significantly higher.
It is easy to dismiss these numbers as the hysterical reactions of a populace that has become paranoid about animal attacks, but according to the website of The Seegmiller Law Firm, the truth is dog bites can result in serious, even deadly injuries. Aside from the physical and psychological trauma and possible complications like infections, dog bite victims often have to live with long-term complications such as extensive scarring and disfigurement, loss of limbs and other permanent damage. All these have a concurrent cost to you and your family.
If you have been seriously injured in a dog bite or animal attack incident in California, you have a right to sue the owner for compensatory damages. Consult with a dog bite lawyer in California to find out if your case meets the requirements for a civil lawsuit.
There is perhaps nothing more unromantic than the issue of a prenuptial agreement cropping up when planning a wedding. However, what most people don’t realize is that a marriage is much more than an emotional commitment of two people to each other; it is a legal contract that significantly changes the status of both spouses, including finances. When they say for richer or for poorer, they were stating a literal fact. Your finances are now intermingled with your spouse once you tie the knot.
A prenuptial agreement is a contract which is designed to formally and legally establish boundaries in the financial commingling of a married couple which can significantly simplify property division if the couple decides to dissolve the marital tie. As pointed out on the website of Beauchamp Law Office, P.C., statistically half of all marriages end up in divorce so a prenuptial agreement or prenup is just as practical as taking out car insurance. You don’t get into a car expecting to get into accident just as you (usually) don’t get married expecting to get divorce.
However, unlike driving a car, you are not required to get a prenup to get married, and unlike car insurance, it is not right for every couple. In Phoenix, which is part of one of nine states that apply the community property law in divorce, anything acquired during the marriage is divided more or less equally between spouses. As such, a prenup may become an extremely important document if one of the spouses:
It is not enough for the spouses to shake hands on it; a prenuptial agreement must be properly drawn up, preferably by a divorce lawyer, and duly notarized. Before signing a prenup, make sure that you consult your own lawyer to make sure that it is legal and fair. Some prenups stipulate conditions that can render the agreement invalid, such as the spouse can only gain so much weight to be entitled to property.
In June of 2013 Health Canada learned about the deaths of 23 Canadian women, with ages ranging between 14 and 44, who have been taking either of the two most famous oral contraceptives – Yaz or Yasmin. The report said that between 2007 and February 2013 at least eight women, who have been prescribed with Yaz and 15 others prescribed with Yasmin, have suddenly died months after use of the birth control pills. Causes of death include heart attack, pulmonary embolism (or blood clots in the lungs) and cerebral thrombosis (blood clots that prevent blood to be supplied to the brain).
Other reports received by Health Canada include more than 300 adverse effects in women taking Yasmin and as many as 267 from those taking Yaz – deep vein thrombosis (DVT) or blood that clots in the legs is a more common effect.
Yaz and Yasmin are both manufactured by a major German pharmaceutical company- Bayer Healthcare Pharmaceuticals. What sets them apart from all other types of birth control pills is drospirenone, a synthetic progestin that was created, and therefore is used exclusively by Bayer. Yasmin was introduced first by Bayer in 2001; five years after, Yaz was released to the market.
There are 21 active pills and 7 inactive or palliative pills in each pack of Yasmin; in Yaz the inactive pills total to only four, while the active pills, 24. Besides being proven to be highly-effective in preventing pregnancy, both products are also able to treat premenstrual dysphoric disorder (PMDD) symptoms.
Probably better than Yasmin, Yaz is also said to be capable of preventing bloating, clearing acne and keeping women from the effects of premenstrual syndrome (PMS), such as depression and anxiety. This claim, coupled with an ad in the New York Times, which said that Yaz was a “quality of life treatment,” further increase sales.
The adverse effects caused by Yaz and Yasmin cannot be dismissed, though. Thus, in 2009, the US Food and Drug Administration issued Bayer a request to correct its advertisement about Yaz, which took lightly the chances of health risks, like blood clots, while aggressively stating the drug’s capabilities and endorsing it even without prescription.
This was followed by a mandate in 2012 in which the FDA ordered Bayer to modify its U.S. labeling on Yaz by including (on the label) the chances of greater risks for blood clots. Despite both moves from the FDA, Bayer maintained that Yaz and Yasmin were safe and effective. Health Canada, on the other hand, seemed to dismiss all cases of adverse effects, as well as the deaths of the 23 women, by stating that the benefits brought about by the Bayer’s contraceptives still outweigh the risks associated with them.
Some of the recorded adverse side effects caused by Yaz include migraine-like headaches, less sexual drive, anaphylaxis or severe type I hypersensitivity, fluctuations in glucose level resulting to diabetes, hypertension, blood clots, swelling of breasts, breast discharge, numbness in arms and legs, vaginal irritation, gallbladder injuries, deep vein thrombosis (DVT), cerebrovascular accidents (CVA), myocardial infarction, heart attack, stroke, death.
Many more women are yet to come to the open to air their complaints about the negative effects they now suffer from due to Yaz or Yasmine. Though these Bayer products may have truly been beneficial in some ways, being pin-pointed as causes of adverse reactions and deaths is reason enough to take them out of circulation.
Despite the lack of funding for the arts when compared to Europe, the U.S. has scores of wonderful art museums and galleries within its borders. All major cities have at least minor offerings, and admission to these museums is often inexpensive or completely free.
One of these free museums is the Menil Collection in Houston, Texas. The Menil, as it is called, is a collection gathered by John de Menil and Dominique de Menil over the course of their lives. It houses a wide range of art from modern paintings and pop art to sculptures from ancient Byzantium and African tribal works. Some of the pieces are more than 3,000 years old.
Another museum where admission is free is the National Gallery of Art (NGA), located in Washington D.C. This museum was established in 1937 and is is regarded as one of the finest art collections in the entire world. The NGA is home to the only Leonardo da Vinci painting in the United States and boasts a 6.1 acre sculpture garden.
Many of the best art museums in the country are found in New York City. NYC is home to the a Museum of Modern Art, the Solomon R. Guggenheim Museum, and The Metropolitan Museum of Art. The Metropolitan Museum of Art, called the Met for short, was founded in 1870 and has grown to more than 2,000,000 square feet. It’s home to an actual Egyptian temple that has been on display there since 1978. Admission is donation based and follows a “pay what you want” model, though the recommended donation is $25.
The appreciation of art is one of humanity’s most enduring characteristics. Seeing art from other eras in our species’ lifespan can be a beautiful and humbling experience.
By placing saliva on undeveloped photographic paper, Erno Erik Raitanen was able to grow bacterial cultures on the paper while it developed. The resulting images, dubbed “bacteriograms” are surprisingly colorful and artistic. They almost look like something captured by an electron microscope, except with vibrant color.
Photograms (sometimes called cameraless photography) are made by placing objects on light-sensitive materials and then exposing them to light. The microbes in Raitanen’s saliva affect the photographic paper on which they were placed through their normal growth and biological processes. They eat away the coating on the photographic paper, creating the colorful effect.
If not stopped, the microbes continue growing on the paper. Raitanen has tried to remove all the bacteria from some of the images he feels are complete, but continues to find new cultures growing on them occasionally.
Motorcycle accidents are particularly devastating to the biker because you are more vulnerable when you have an unfortunate encounter with anything with more than two wheels. Moreover, when you and your motorcycle are forced to part ways by momentum and gravity, your life depends on the integrity of your helmet, the softness of the surface you land on, and blind luck. So all in all, learn to use a motorcycle safely to avoid accidents. Even if it’s the other guy’s fault and you have strong grounds on which to file a lawsuit, you can still end up suffering considerable pain and other losses.
Here are some tips to keep yourself seated and cruising happily on the asphalt:
The freedom that riding a motorcycle gives is not without drawbacks. Because you are small and nimble, you can manage traffic conditions more easily. However, for this reason you are also more vulnerable to injuries and accidents even if you are a responsible biker. If someone’s negligence, recklessness, or lack of skill still involves you in an accident despite taking due care, contact an experienced personal injury lawyer who will evaluate if you have a case, and help you fight for compensation for your medical expenses as well as the pain and suffering you underwent through no fault of your own.
Women and even certain men choose to have breast augmentation for a variety of reasons, from their overall appearance to medical issues. Fortunately, with the many advances that have been made in the plastic surgery field, people looking to get breast augmentation have several options.
Breast augmentation, medically termed as augmentation mammoplasty, is the procedure to increase the size of the breast. It is also used as part of breast reconstruction following breast cancer surgery or other physical injury. This helps increase a woman’s self-esteem and confidence. Depending on your preferred breast size post surgery, there are two options of implants that you can use:
Silicone breast implants – these are silicone envelopes filled with soft, elastic gel. They are generally pre-filled. This elastic gel gives it the advantage of feeling more natural. One drawback of silicone breast implants, however, is that once it leaks, it can be hard to detect. It may leak into the scar capsule or even into the tissues around the breast. Additionally, because of their gel-like composition, they require a longer incision.
Saline breast implants – implants filled with sterile saline solution. Although they are filled to a pre-determined size, they can still be filled during operations to adjust the breast size. Incision for saline implants are smaller compared to silicone implants, and they cost less. Many women choose this type of breast implant because if they leak, the body can just dispose it naturally. However, they are more susceptible to ripples as compared to gel implants.
Both types of implants are approved by the FDA; therefore, they are both safe and do not increase the risk of breast cancer. However, because they each have their own advantages and disadvantages, it is advisable to have a consultation with an experienced medical professional in this field to understand which is best for you.
Despite advances in technology and medical knowledge, there are still many things that can go wrong during childbirth. One of these is Erb’s palsy, also known as brachial plexus palsy. It is an injury sustained only during actual delivery, and involves trauma to the nerves located near the neck called the brachial plexus. The injury occurs when the baby’s neck is stretched to the side during a difficult delivery such as a breech presentation (feet first), prolonged labor, or expulsion of a large baby. It may also be due to the improper use of some instrument to facilitate delivery or incorrect technique, in which case the doctor may be liable.
The brachial plexus controls the movement of the arms and hands. Infants who suffer Erb’s palsy may have weakness and numbness in one arm, or partial or total paralysis. The permanence of these effects will depend on the extent of the injury and the availability of treatment.
There are varying degrees of trauma, from mild (neurapraxia) to severe (avulsion). In neurapraxia, the nerves are injured but not torn, so the nerve should heal within 3 months. Avulsion, however, is the complete detachment of the nerves from the spinal cord, which cannot be repaired.
If you believe that your child’s injury was due to negligence, you may be able to file a claim for compensation. It should be noted that it may be difficult to prove negligence as this type of injury can be attributed to factors beyond the attending physician’s control, such as poor maternal health. However, if the circumstances clearly indicate negligence, such as the refusal of the doctor to perform a caesarean section even when the mother requested it, then that is a different matter. Consult with a lawyer experienced in handling Erb’s palsy lawsuits to determine the eligibility of your particular case for a legal claim.
The temporomandibular joint (TMJ) is what joins the temporal bone and mandible of the jaw. It is an articulated joint, meaning that it is bifurcated by a disc to allow rotational and translational movements of the jaw. The TMJ is quite small, but it serves an essential function: opening and closing the mouth.
Because of its function and position in the head, as well as the frequency of its use, the TMJ has a significant impact on the whole body. So when it doesn’t work properly because of incorrect positioning, it will become apparent very quickly and will manifest in a multitude of ways.
The symptoms of TMJ disorders, or simply TMJD, can be divided into acute or chronic pain. These include but are not limited to:
Physicians who are consulted by those who suffer TMJD seldom pinpoint the problem at once because some of the symptoms don’t seem to have anything to do with that little cartilage at the side of the face. But once a suspicion arises and the patient is referred to a TMJD specialist or neuromuscular dentist, the solution is just a matter of pinpointing the optimal positioning of the TMJ and choosing the appropriate treatment modality. In most cases, TMJD treatment involves the fitting of an intraoral appliance or orthotic for up to 6 months and then orthodontic treatment.
It may sound simple, but diagnosis and treatment of TMJD is not easy for dentists who have no experience in treating the disorder. To get effective relief from orofacial pain, consult with a neuromuscular dentist as soon as possible.
Child custody is one of the most important things that need consideration when a married couple that has children goes through a divorce. While there are certain differences in state laws regarding the granting of child custody, most are generally the same or similar. Many states and courts will attempt to grant joint custody; however, in certain situations, this is not possible, leading to one parent or even another relative, such as a grandparent or uncle, having custody.
If the parents can reach an agreement on visitation, custody, and child support, then this issue will not need to be taken to court. However, as both a complex and contentious issue, many people seek legal support in order to better understand the process and agreements, not to mention protect their interests. In this situation, a child custody issue may be taken to court, where the following will likely be considered:
Child custody decisions can be one of the most emotional parts of having a divorce. However, it is an issue that must be settled. Thus, understanding how courts will make this decision, should your custody agreement need to be taken to court, is important to successfully completing the process. An attorney’s knowledge on these matters can help you demonstrate what you need to in order to achieve the outcome you’re hoping for.
Due to the rampant financial difficulties that have occurred in recent years, filing for bankruptcy protection has become increasingly commonplace. It is has truly become a refuge for many of those who find their debt burden overwhelming and are in danger of losing everything they have worked years to obtain. Filing for Chapter 7 bankruptcy in particular has significantly increased. Known alternatively as liquidation bankruptcy, success in filing provides the beleaguered debtor with a chance to start fresh with the elimination of many, if not the majority, of their debts. It should be noted that failure to properly follow the rules of bankruptcy procedure can lead to a denial of discharge.
But while Chapter 7 bankruptcy may be the best option for many, it is not a panacea for all ills. For one thing, there are some debts that are generally nondischargeable. This means that there are debts you have that will not be wiped out even if you successfully file for Chapter 7 bankruptcy. You will still need to pay for these debts, although a few of them can be discharged at the court’s discretion, and your creditors can still sue for payment.
If you are considering Chapter 7 bankruptcy and the bulk of your outstanding obligations are considered nondischargeable, you may need to pursue an alternate method of debt relief. Below are some debts that will always be nondischargeable under the Bankruptcy Code:
There are also otherwise dischargeable debts that may be denied discharge by the court under certain circumstances. These include purchases of luxury items in excess of $600 on a single credit card bought within 90 days of the bankruptcy filing and cash advances in excess of $875 incurred within 70 days of filing for bankruptcy.
It is important to know which debts will not be wiped out if Chapter 7 bankruptcy is being considered. Even if there is no other option, forewarned is forearmed.
Crane accidents in a construction site can be among the most devastating cause of injuries and fatalities for construction workers. Prevention of crane accident is, therefore, one of the most important elements of safety training in any construction site. However, when accidents do happen, injured workers and their families may need to pursue the assistance of a construction accident lawyer to fight for the compensation they need.
Although machine malfunction happens occasionally, when it comes to crane accidents, they can usually be avoided. There are ways in which both the employers and employees can stay safe from a crane accident. To help, here are the most common ways for preventing a crane accident:
With simple safety precautions, crane accidents can easily be prevented. However, if you have been in a crane accident and have suffered significant injuries, you may need the help of legal representation to get the financial compensation you deserve.
For the vast majority of individuals, insurance policies can be difficult to understand. As a result, customers may not be able to fully understand their rights to compensation under their policy. Therefore, some insurance companies may tend to undervalue your damages in the event of a natural disaster, delay release of benefits, or deny your claim altogether in an attempt to increase their profitability.
After a destructive natural disaster, you would naturally expect your property insurance provider to help you get back on your feet by providing the full amount of compensation necessary to replace what you‘ve lost. However, in many cases, insurance companies seek to minimize the amount of claims that they must pay out by any means possible.
Thus, it is essential that you keep an inventory of your property or, after the disaster, that you collect all receipts showing disaster-related expenses, like repairs, food or hotel lodging, and photos (even of damaged property), which can justify the amount of the claim you are making. It is also advisable that you make sure that the adjuster your insurance provider sends to assess the damages you have suffered actually records all damages, including ruined carpets, walls, and other property damage.
Equally important is a record that will show the time, date, and duration of your conversation with your insurance provider’s representative, the time and date of the adjuster’s visits, as well as extent of the inspection he or she made and the questions he or she asked you regarding your lost or damaged property.
If you have suffered damages and/or lost property due to a hurricane, and you feel that your insurance company is not giving you what you believe is justly and legally yours, then you should contact any of the highly qualified hurricane claims lawyers in your area who would be willing to assist you in fighting for your rights and getting your full benefits.