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.
According to the website of Pohl & Berk, LLP, reckless driving is a serious concern because it endangers everyone in the vicinity, including the driver. Most people think of reckless driving as drunk driving or joy riding, but many people drive recklessly without even knowing it. Here are some ways you could be opening yourself up to criminal prosecution or civil litigation.
Grooming and Eating
The weekday morning rush can leave you frazzled, unkempt, or hungry. A lot of people take the opportunity during the commute to use the rear view to apply make-up, comb their hair, or eat breakfast. It is estimated that at least 25% of all drivers groom or eat while driving, and that number is probably understated. In the UK, almost 500,000 car accidents yearly can be attributed to makeup application while driving.
Talking/texting on the cell phone
This is something that has been getting a great deal of attention from both legislators and advocacy groups, mostly because it is a significant contributor to the number of car collisions worldwide. It is undeniable that taking/making a call or responding to/sending a text message occupy both your attention and your hands. Even with hands-free technology, the risk of accidents happening is still high because driving requires a lot of concentration. Even with the awareness campaigns banning cellphone use while driving, more than 50% of drivers still do it.
Adjusting the GPS/radio
Getting less attention than cell phone use but just as distracting and likely to engage your attention, vision and hands is fiddling with the radio and the GPS while driving. Most drivers consider it a matter of course and inherently harmless, but anything you do while driving which distracts you by even three seconds is enough to put you and other people in harm’s way.
You don’t have to be drunk, a teenager, or an adrenaline junkie to be guilty of reckless driving. Everyone does it, but that doesn’t make it right, and even the safest drivers can become involve in accidents due to the reckless behavior of others. In such situations, car accident attorneys are often necessary to help recover your losses through civil litigation.
Nobody wants to live a life that is weighed down by debts. This can lead to a great deal of stress due to the constant hounding and harassment by lenders and creditors as they attempt to pressure you to repay them. Letters from law firms, repeated phone calls at your workplace or at home, an eviction notice, a bank account levy or garnishment – these are just a few of the tactics creditors use to make you pay and which can cause you immeasurable stress.
Even if you are facing serious financial difficulties and/or are being harassed by creditors, there is a solution that will allow you to regain control of your financial life and start anew – bankruptcy. There are a number of different forms of bankruptcy, each which offers varying benefits or meets the needs of varying debtors.
Typically however, filing for bankruptcy brings benefits that provide immediate relief from a number of financial concerns. The first of these benefits is the automatic stay, which ensures instant relief from creditors’ tactics as well as lawsuits, evictions or unpaid rent, foreclosures, unpaid utility bills, and wage garnishment. Debt discharges are often another benefit debtors receive when filing for bankruptcy. Chapter 7 bankruptcy in particular allows debtors to discharge, or eliminate, certain debts. Some examples of dischargeable debts are those from credit cards, line of credit, medical bills, unpaid rent, unpaid utility bills, and personal or signature loan.
While unsecured debts may be discharged, freeing you from the financial burden and stress they cause, there are those that you will still need to pay after your bankruptcy case is completed – your secured debts. These can be accounted for through the sale or relinquishing of assets, like cars, homes, bank accounts, and jewelry. Some of debts that cannot be discharged are debts acquired through fraud, damages in respect of personal injury to someone, student loan, child support, taxes, criminal fines, and alimony.
Another way of paying secured and non-dischargeable debts can be done by having your assets sold by a court-appointed trustee, the method stipulated in Chapter 7 Bankruptcy, also known as liquidation bankruptcy. Going through this process can be complicated and frustrating, not to mention unnecessary, and, as such, many people seek the help and advice of a qualified bankruptcy lawyer.
Banksy is a popular street artist turned filmmaker turned author. His work is often political, sometimes combining violent and peaceful imagery into a single work to make a statement. For example, one piece features an image from a famous photograph of a napalm attack from the Vietnam war where a young girl is running from a smokey horizon. She is naked and horrified and in the original photograph is being followed by soldiers in protective gear. Banksy’s graffiti of the young girl features her, with the same horrified expression, except she is flanked on either side by Mickey Mouse and Ronald McDonald.
If you’ve seen an image of interesting or thought-provoking wall art online, there’s a good chance he produced it. But how does he manage to get his art up without being caught? Graffiti is, after all, seen as a form of vandalism and is therefore punishable by law.
It is said Banksy uses stencils to create his works. Stencil artists make outlines of their designs for wall art in advance of putting them up. This gives them time to plan out the work, allowing them to finish it in one session quickly enough to not be caught by police. Stencils are typically drawn on cardboard or other thick material that won’t allow spray paint to bleed through and cut out to preference. This allows artists to add detail and decide on how they’ll employ coloring as well. While Banksy didn’t invent stenciling, his work has played a major role in popularizing the method.