Sep 15, 2016

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Do Not Let Bad Credit Stop You From Getting Car Insurance

Having bad credit can easily discourage you from getting car insurance. The truth of the matter is that you shouldn’t be. While your credit score can affect your insurance rate, you will be surprised to find out that even with a bad credit, you can still get affordable car insurance. According to the website of Zavodnick, Zavodnick & Lasky, LLC, you may still have more options that you initially thought.

Insurance companies draw a line between a good and bad credit score to be between 600 and 650 and most providers prefer applicants with much higher credit scores. In order to get car insurance, you will need to pay down your debts and ensure that you manage your finances better. However, there are still other ways you can qualify for reduced car insurance rates.

Another way you can get bad credit car insurance is to open several lines of insurance with the same company. By doing so, you can earn savings on your premium. Likewise, you could earn customer loyalty discount. Another way to reduce your premium is by setting a higher deductible. By choosing to pay more out of the pocket, you become less of an insurance risk and the savings comes back to you. Just make sure not to set your deductible higher than you can afford.

Even with your bad credit, you can qualify for car insurance by dropping coverage that you do not need. This way, you can reduce the cost of coverage. For instance, you can opt to drop comprehensive coverage to bring the cost of your insurance to the amount you would like to pay.

As you can see there are many car insurance options to choose from even if you have bad credit. All it takes is a little research on your part. You can use auto insurance to improve your credit score and get better rates in the future.

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Sep 25, 2014

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The Jones Act and Shipyard Accidents

A recent ruling by district court has effectively expanded a federal maritime law to include specific types of shipyard workers within its scope by redefining a critical term.

The Fifth Circuit handed down a ruling last March 10, 2014 in the case Naquin v. Elevating Boats, LLC which upheld the determination of the jury in a lower court that the plaintiff Naquin, a vessel repair supervisor, was as a seaman under the Jones Act, therefore qualifying him with the help of a maritime lawyer to recover for damages for his injuries incurred while operating a crane that was on land. The Fifth Circuit ruling will have a massive impact on insurance companies, shipyard operators, and shore-based workers.

Prior to the ruling shore-based shipyard workers were only entitled to injury compensation under the Longshore Harbor Workers Compensation Act (LHWCA) to a degree equivalent to regular workers’ compensation in other industries. The Jones Act (Merchant Marine Act of 1920) is a federal law which, among other maritime related issues, entitles seamen to recover damages for injuries incurred through the negligence of ship owners. Shore-based shipyard workers were not considered seamen because they typically spent most of their time shielded from the dangers generally associated with maritime travel i.e “perils of the sea” simply by not being aboard a vessel that actually puts out to sea.

However, the Fifth Circuit applied the two-pronged Chandris test (Chandris, Inc., v. Latsis, 1995) to determine if Naquin satisfied the definition of a seaman under the Jones Act. As the plaintiff spent at least 70% of his time working on board one of the vessels in the defendant’s fleet to maintain and repair it, the court determined that he did satisfy the requirements of contributing to the function of the vessel and having a substantial relationship to a vessel in navigable waters in terms of duration and nature. The court also cited a previous case in which the plaintiff, a crane operator on a river barge, was held to be a seaman under the Jones Act.

If you were seriously injured while on the job as a shore-based maritime worker as a result of negligence, you too may qualify to recover damages under the Jones Act. Consult with an experienced maritime lawyer to find out if you satisfy the requirements.

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Jul 25, 2014

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Dealing with Insurance Adjustors

After being involved in an accident, you may get home to a ringing phone with the other person asking about the details of the incident. The caller may be either an insurance adjuster or other representative of the other people involved in the accident. Knowing how to talk to and deal with these people is important in order to protect your personal injury or insurance claim.

The first thing to do when talking with an insurance adjuster is to stay calm and talk politely to them. According to the website of Habush Habush & Rottier S.C. ®, venting your anger and frustrations on the insurance adjuster can only compromise your insurance or injury claim, since their goodwill play a part in handling the claim or challenging or accepting the evidence in your claims. When talking with the insurance adjuster, you should get their information. This includes their name, address, the insurance company they work for, the telephone numbers, as well as the person or business that the caller represents.

While you are asking for more information about them, be wary about giving out information about you. Aside from your name, address, and phone number, only provide limited information such as the nature of your work and place of employment. Likewise, avoid providing details about the accident, aside from the important elements such as where the accident occurred, time and date, what type of accident it was, the vehicles involved and the witnesses. Any further information being asked should be answered by saying that the investigation is still ongoing and that discussions will be done when the time is fitting for discussions.

Additionally, don’t give out detailed information regarding injuries. Injuries can worsen or some may even remain undiscovered, therefore it is better not to discuss the matter. Talking with an insurance adjuster may make you feel tempted to settle, but according to a Massachusetts personal injury lawyer website, it is wiser to wait before settling a claim. You should talk with a lawyer about the accident first because a lawyer can help in determining how much your personal injury or insurance claim could be worth.

Lastly, make sure that the conversations are limited, and if the insurance adjuster suggests having a recorded statement, politely refuse. You are in no way legally obligated to provide a recorded statement, and it is illegal for an insurance adjuster to record your conversation. You can provide a written statement in the future if necessary.

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