The Wrong Place at the Wrong Time

Isn’t it a fact that many accidents are a matter of chance? If you had not been on that particular spot on a New York street in that very second, then you would have avoided that grease slick and serious brain damage. You also would have no need for a New York slip and fall accident lawyer or a feeding tube. Being at the wrong place at the wrong time happens all the time.

However, property dangers are not a result of accident; they are a matter of negligence. For example, if the property owner had posted warning signs about their slippery sidewalks and taken reasonable measures to prevent slips, no one would have gotten hurt. It is the responsibility of the property owner to make sure that people who have a legitimate reason to be on the property are safe from foreseeable dangers; the failure to live up to this responsibility can make them liable for any injuries that result.

Property owners are also liable if they knowingly expose people to toxic substances. For example, if the owner is aware that significant amounts of asbestos are being released into the air from old insulation but does nothing to address the problem, the owner can be held liable for the costs associated with a tenant or employee developing mesothelioma or other asbestos-related medical conditions. According to the website of Williams Kherkher, toxic exposure may take years to develop but this does not lessen the owner’s premises liability.

Owning property has its perks, but also its drawbacks. Property owners need to take reasonable care to ensure the safety of the public from property dangers. If you have sustained serious injury because of unsafe conditions on someone’s property, you may be able to sue the owner to recover medical expenses and other pecuniary losses. Find out more by asking an experienced premises liability lawyer in your area.

What’s with Dangerous Pharmaceutical Products?

Hardly a day goes by that there isn’t something in the news about dangerous pharmaceutical products being developed, being approved for this or that condition, indicated in serious side effects, allegedly caused the death of patients, under review, recalled, under litigation, and so on and so forth. It is a wonder that these drugs are still in the market, but strangely enough the Food and Drug Administration (FDA) even expands the use of some dangerous drug that is currently under litigation. The press announcement comes with the appropriate warning, but still….

Drug companies make a lot of money from prescription drugs, which explain why they keep pushing them even if they may be dangerous, and even if they have to settle lawsuits for it. Patients often have little choice in the matter because the benefits of these drugs are believed to outweigh their drawbacks. Physicians rely on the literature that come with these drugs to make their judgment calls, which is why drug manufacturers often get into legal trouble when they fail to adequately warn the public about the risks of side effects, such as in a lawsuit.

According to the website of law firm Williams Kherkher, the FDA issues warnings about such side effects, but unfortunately this often happens after a significant number of complaints have been filed for a specific drugs, such as anti-epileptic medication Topamax. By then, it is too late for the victims. They do have recourse to litigation, but it would be much better if the focus was on prevention rather than compensation.

In the real world, compensation is typically the only recourse when it comes to dangerous pharmaceutical products. If you have sustained serious injury because of undisclosed risks or defective formula of a prescription drug, you need to consult with a product liability lawyer in your area.

Insurance Agent Negligence and Hurricane Insurance Claims

Texas has been besieged by some of the worst hurricanes in US history, which is why most homeowners and businesses acquire hurricane insurance to cover property damage and/or business losses. Typically, policyholders have difficulty understanding the different types of policies being offered to them, and rely on their insurance agent to give them what they need based on their circumstances. In most cases, an insurance agent will give them the correct information and ensure that they have adequate coverage for anticipated events i.e. hurricanes.

Unfortunately, not all insurance agents do their job as they should, and it is only when the policyholder makes a claim that they discover the policy they had paid for (and for many have done so for years) does not actually given them the coverage they asked for and thought they had. As a result, many policyholders were unable to recover business loss and repair expenses.

If your insurance agent failed to provide a policyholder with the insurance they wanted either intentionally or in error, or failed to inform the policyholder of the fact that they were not paying for the policy they want or need, this can be considered agent negligence, and the agent can be held liable for damages incurred by the policyholder.

This is far from cut-and-dried, however. The law is subject to interpretation, and the burden of proof for a negligence claim is on the plaintiff. As mentioned in the website of the law firm Williams Kherkher, it is not easy to prove that you had asked for and believed you had paid for a specific type of policy if you don’t actually have the policy.

If you survived a calamity such as Hurricane Sandy only to discover that you did not have the coverage you thought you had for your losses, your agent may have been negligent. Contact a hurricane insurance lawyer in your state and state your case. A competent lawyer will be able to advise you about your legal options.

Applying for SSD

Social Security Disability (SSD) benefits are provided by the Social Security Administration to adults with the requisite work credits if and when the applicant loses the ability to be gainfully employed for various reasons. As pointed out on the website of the Hankey Law Office, PC, applying for SSD benefits is generally difficult, although the approval rate varies from state to state. However, more than half of all nationwide SSD claims for SSD benefits are denied at the initial application. This means applicants must either appeal or start the process over, both of which take time.

All applications for SSD benefits have the same requirements, but some get approved more easily than others. This and the relatively low rate of claim approval are due mostly to the way the disability decision process is conducted. When someone makes an SSD benefit claim, for example, the claim is actually transferred to the state disability determination services agency (DDS) and brought to the attention of a disability examiner.

The disability examiner checks the submitted medical records to see if it satisfies the approval criteria for a medical condition included in the SSA list (blue book) of disabling impairments, physical or mental. If it does, then the claim is approved. In most cases, however, the medical records will not be specific enough to meet the blue book criteria for a listed condition. At this point, the examiner will consider other documentation such as the work history to find supporting or corroborating evidence that the claimant is indeed disabled for the requisite length of time. Failing that, the examiner will deny the claim, and the claimant can then go through the appeals process.

Ideally, a claim for SSD benefits should be approved at the time of the initial application; the appeals process takes a lot longer and can be difficult to follow for a layperson. If you plan to make an SSD benefits claim, you should seek the help of an SSD lawyer in your area from the start; if not, during your appeal.

When you Should Hire a Limo

Hiring a limo per se is not usually something that is on somebody’s bucket list; instead it is part and parcel of a whole experience, usually a special occasion. This is because limo rentals generally cost more than pocket change, and not everyone can afford the service on a regular basis. It’s on par with going to a fine dining restaurant; you can’t afford it every day, but it can really put an added sparkle to a special occasion.

When planning something out of the ordinary, you can consider hiring a limo to make it even more memorable. Can you imagine what selfies inside a limo would look like? Here are some occasions when you should hire a limo if it is at all possible.

Prom Night

Your parents may have something to say about splurging on a limo rental on prom night, but if you carpool with your best buddies, you could really rock it without breaking the bank. A limo can accommodate from 6 up to 16 people, depending on your needs and budget. A limo rental split several ways comes out to a primo taxi ride.

Wedding

Of course, your wedding would be the perfect excuse to hire the best looking limo you can find (and afford). The photo and video ops could be fantastic, and it will be one of the highlights of the occasion. At the very least, a limo is ideal for avoiding scrunching up that wedding dress, and that should be justification enough to indulge in the luxury. To be sure that you truly have a wonderful wedding, make sure that you don’t find the cheapest service available; according to Capital City Limousine, budget limo companies can usually offer low prices because they cut corners such as in maintenance. You don’t want stains on those wedding clothes, do you?

Reunion

Let’s face it; a lot of us may have been voted least likely to achieve in high school, and it would be classic to show up at the reunion riding in a gleaming stretch limo. It makes a good impression, and you can appear disarmingly modest when you tell them it’s a rental.

If you need a limo service for a special occasion, or just because you don’t want the hassle of bringing your own car, you should check what’s available in your area. Remember that you get what you pay for; balance quality with price.