Types of Car Insurance Coverage

Carrying car insurance is a necessity in the United States. While having a policy can be costly, not having one can be even more expensive on your part. According to Milwaukee car accident attorneys, there can be car insurance that fits your budget and driving needs. Here we will look at the types of insurance coverage available in the market.

Liability Insurance

Liability insurance shoulders the cost for repairing damages to a property or the medical bills from resulting injuries. In most states, there is a minimum requirement for the amount of liability insurance coverage that drivers must carry. However, it is recommended to have liability coverage that is above the minimum coverage as it will give you additional protection should you be found to be at-fault.

Collision Coverage

Collision coverage shoulders repairs to your car after getting the total value of your car during an accident. If you own a new car, collision coverage may come in handy compared to having an older car.

Comprehensive Coverage

In case something happens to your car due to accidents not covered by insurance such as weather or theft, liability and collision coverage will not shoulder these situations but comprehensive insurance will. Adding anti-theft and tracking devices on your car can considerably reduce your insurance policy.

Personal Injury Protection

Personal injury protection or PIP shoulders medical bills related to an accident regardless of who is at fault during an accident. This can come in handy when the costs associated with a collision quickly piles up.

Uninsured/Underinsured Motorist Coverage

Although all states require insurance, this is not the case all the time. Even if an uninsured motorist has liability insurance, this may not be enough to shoulder all of the expenses associated with an accident. So if the person who is deemed at-fault does not have insurance, you cannot receive damages. Having uninsured/underinsured motorist protection can help shoulder expenses in these situations.

These are the types of insurance coverage that you can carry to protect you from accident-related expenses. Of course, this will depend on your budget and requirement.

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The Worst Side Effect of Zoloft

Doctors write about 2.4 billion prescriptions every year. According to the National Center for Health Statistics (NCHS), about 118 million of these prescriptions are for anti-depressant drugs, making these, therefore, the third most prescribed type of medication in the US. NCHS records also show that between 1988–1994 and 2005–2008, use of antidepressants increased by almost 400 percent.

Psychiatrists will agree that anti-depressant drugs should be prescribed to people with severe illnesses or severe cases of depression, but definitely not to those suffering only from mild attacks. Psychiatrists, however, are not the only ones discovered to be prescribing antidepressants: doctors also prescribe it, but to millions of Americans who should not be using the it.

Rather than as medication to treat to stress, anxiety or sadness, these doctors prescribe antidepressants to people for off-label use, that is, use not approved for by the US Food and Drug Administration. These include off-label treatment of insomnia, pain, headache and premenstrual dysphoric disorder (PMDD), which is due to Premenstrual Syndrome (PMS); some doctors even recommend antidepressants to help people quit smoking.

One antidepressant that has been written on about 30 million prescriptions is Zoloft (sertraline chloride). Zoloft was originally manufactured for those in the United Kingdom, where it was given the brand name Lustral. Zoloft belongs to a class of drugs called selective serotonin reuptake inhibitors (SSRIs) family of antidepressant drugs. SSRIs, which control the level of serotonin in the brain and which affect an individual’s learning, sleeping and mood patterns, have been prescribed to patients to control their mental illnesses, such as depression. Specifically, the drug has been used as a treatment for major depressive disorders (MDD), panic disorder, social anxiety disorder, obsessive-compulsive disorder (OCD), premenstrual dysphoric disorder (PMDD) and post-traumatic stress disorder (PTSD).

Side-effects, however, are being linked to Zoloft. Besides causing suicidal thoughts or seizures, the worst effect of Zoloft is serious birth defects; this happens when this drug is given to pregnant women or those expecting (or planning) to becoming pregnant soon.

A law firm website named Williams Kherkher says that a study published in the New England Journal of Medicine on June 28, 2007 revealed that maternal use of Zoloft was associated with different neural tube defects (NTD), including anencephaly, a deadly birth defect that affects one out of more than 4,000 babies every year.

At least 250 Zoloft birth defect lawsuits were filed in a federal court in Philadelphia alone as of June 2014. With the millions of prescriptions made of Zoloft, lawyers still anticipate an increase in the number of lawsuits from mothers whose babies have been affected by the harmful drug.

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The Advantages of Ghostwriting To a Client

People who can find neither the time nor the inspiration to put their thoughts into words to make a good story or article simply need to search the net in the hope of finding someone else who would do the writing for them.

Getting the services of someone to get something written can actually be done fast and easy, wherever you are in the world. In fact, with so many different types of writers available, you can have them write anything for you; you can even be an author of a book without actually needing to write one yourself. From e-books to online articles, academic papers, novels, essays, scripts, speeches, theses, dissertations, admission papers, resume, application paper, business plans, research works, reports and many more – you will always find a writer who will suit your standard and match the style you will require. You need not worry about getting the credit for any write-up too. Once your hired writer submits to you what you required him or her to write about, you can do whatever you want with the submitted work: put your name on it or anyone you like, or sell or submit it for publication or for whatever purpose you have in mind.

Such is the nature of ghostwriting – it is you who get all the credits in the end, not the actual writer. More than just any form of writing, where the writer gets a freehand in the style, use of words and favorite phrases, sentence patterns, type and level of vocabulary and others, in ghostwriting the writer will have to write as if it were you doing the write-up yourself. A ghostwriter, therefore, will need to have your very style, at least until the project is finished, all for the purpose of turning your ideas into a money-making content.

You will learn from online copywriters at Kinetic Word that some of the truly good writers are ghostwriters. Albeit ghostwriters, themselves, may not totally benefit from the work that they do, as some do not even get paid by clients and no one else will know (besides themselves and the clients) that the work was actually done by them. The full benefits of the written project will go to you, the client, who can continue earning from the article even long after it was written.

A marketable content that is completed on your specified time, contains whatever information you want researched and written in outstanding quality (in terms of grammar, coherence, punctuation marks usage and style) – these are the guaranteed characteristics of a ghostwriter’s works. To make sure that you hire the right one for your writing needs ask for copies of your prospected ghostwriter’s previous works; these will show you his or her writing quality and style and help tell you whether to hire or look for someone else.

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Reckless Driving: One of the Major Causes of Injuries and Deaths on the Road

Errors committed while driving often prove to be too costly; many of these result to damaged properties, injuries and lost lives. Though drivers want safety on the road and think that all other drivers ought to observer traffic safety rules, these same drivers confess violating at least a couple of rules occasionally, yet believe that the violation they commit will not result to danger.

According to the National Highway Traffic Safety Administration (NHTSA), the top four causes of car crash in the United States are drunk-driving, speeding, reckless driving and distracted driving. These are driver errors which, by the way, cause more than 90% of all motor vehicle crashes. Reckless driving, in particular, is committed through the following acts:

  • Failure to slow down or stop on red lights or stop signs
  • Failure to use signal lights
  • Tail-gaiting
  • Overtaking an ambulance or a stopped school bus that is loading or unloading passengers;
  • Driving above speed limit in parking areas and public roads;
  • Maneuvering improperly;
  • Overtaking another vehicle on a one lane road or overtaking two vehicles simultaneously on a highway by driving in the lane of on-coming traffic or on the shoulder;
  • Drowsing off while driving, driving the opposite direction on a one-way street, and parking in a highway;
  • Passing a car where the view of oncoming traffic is obstructed, like on a curve or on the crest of a hill;
  • Driving a vehicle that has defective parts, like faulty brakes or worn out tires.

A reckless driver, as defined under U.S. laws, is a person who willfully and wantonly disregards the safety of persons and properties. Reckless driving is a serious traffic violation because it is a threat to people’s lives and properties. People who will be caught driving recklessly can face fines and imprisonment, depending on the severity of their offense.

Because a car accident injury can leave victims facing serious financial troubles due to medical treatment expenses and property repair costs combined with lost wages, a Columbia personal injury lawyer says that victims have all the legal right to bring the at-fault driver and his or her insurance company to trial, when necessary.

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Medical Malpractice

Medical malpractice, which refers to injuries committed against patients, is a frightening reality in the U.S. Its effects include prolonged illness and life-threatening conditions. But equally frightening as its effects is the fact that this is nothing more than a result of negligence or carelessness of medical experts – a failure on their part to provide the quality of care patients rightly deserve. In 2010 alone, the Office of Inspector General for Health and Human Services reported that 180,000 Medicare patients died due to medical malpractice; a study that the Journal of Patient Safety printed, however, says that the death rate ranged between 210,000 and 440,000.

Surgical error is one example of medical malpractice that continues to cause great harm to patients. According to a medical malpractice attorney in Oceanside, surgical error includes any of the following mistakes:

  • Incorrect administration of anesthesia
  • Foreign objects left in the patient’s body
  • Wrongful death due to complications related to error
  • Wrong-side surgeries and amputations
  • Removal of wrong organ(s)
  • Surgery on the wrong patient

In a research on patient safety conducted by the Johns Hopkins University School of Medicine, it was found that there are surgeons who operate on wrong body sites, perform wrong procedures or accidentally leave a foreign object inside a patient’s body, like forceps or a sponge; each of these incidences happen, at least, 20 times each week. There were also cases wherein a good kidney that was ready for transplant was accidentally thrown into a waste basket,a kidney was removed from a wrong patient, or a wrong leg or arm was amputated.

A Charleston medical malpractice attorney says that many cases of surgical error are due to a doctor misreading a medical chart, neglecting to review medical instructions, or improperly clearing a patient for surgery. As results of negligence, surgical errors are, actually, avoidable. In fact, many medical professionals identify these as “never events.” Despite the measures taken to end these mistakes, however, surgical errors continue to affect thousands of lives and kill thousands of others.

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Projecting Your Best Self

There are things that make people look and feel good . . . and then there are things that make people look and feel stunningly good and beautiful. Looking beautiful makes a person feel good and totally confident, but beauty, you should know, involves every part of your body: from your hair down to the nails on your toes.

With regard to hair and make-up concerns, salons are the places to go to. More than just the typical services, which include haircutting, hair length reduction and trims, today’s salons, like Houston’s Therapy Hair Studio, for example, offers so many other services in order to keep abreast with the changing and growing demands of clients. These services include precision cuts and colors, hair and scalp treatments (naturally derived), flawless make up for any event, hair extensions, special event up-dos, deluxe nail care service, lash tint, brow tint, and other facial services. All these services, especially those for hair and make-up, are skillfully performed and made to complement a client’s personal style and features in order to bring out his or her most stunning looks, especially during very special occasions, such as a wedding day.

Besides salon services are cosmetic procedures designed for the needs of certain individuals. These procedures, which are more sensitive, include both surgical and non-surgical procedures and are performed to make the skin look youthful again or to reconstruct parts of the skin or body that have been damaged due to an accident, an illness, or age.

One specific procedure is breast reconstruction, a surgical procedure performed on women to rebuild the breast’s shape in conjunction with or after a mastectomy (breast removal due to cancer or other diseases).

Undergoing breast reconstruction surgery, even for a mastectomy patient is an extremely personal choice. Besides allowing only a licensed and skilled plastic surgeon to perform this procedure, a patient should weigh well if this procedure will really help her achieve her goals. Despite the possible risks associated with this surgery, its benefits, if performed by a skilled plastic surgeon, are tremendous.

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