Category: Law

Do You Need Pet Insurance?

Are you one of the millions of Americans that absolutely loves their pets? Would you do almost anything for them? If so, do you have pet insurance coverage? If not, you may well want to continue reading. This article may save yourself thousands of dollars … Let’s take a look at two, not unusual, instances that may happen to an animal owner in the United States:

Example 1:

The mail delivery person arrives at the house to deliver the mail. In the course of making that delivery, your pet dog bites the postman.

Example 2:

You own a horse. The horse is grazing in the field. The horse is startled, jumps the hedge and crashes into an oncoming car.

Do you understand exactly what would occur in both of these scenarios? Well, if you do not currently know, I hope you are paying attention to the news, as we hear about dogs attacking innocent people. In Scenario 1, you could be liable to make restitution under the Dangerous Dogs Act.

Less popular, in Scenario 2 you might be responsible to pay damages because of the horse. In either case, you’re paying.

How can you minimize the liability you’ll suffer if either of these unfortunate events where to take place? Without some type of pet insurance plan you might not. If you have a family pet, i am sure you will want to save yourself from the prospect of having to pay out a large amount of money in settlement damages. You will need to purchase pet insurance.

Although animal insurance is not likely to cover the total costs of a claim or pay compensation if you lose.  If you have pet insurance, there will be a minimum excess payment and maximum cap payment.  This will give you peace of mind if an unfortunate situation arises.

At the end of the day, however, having pet insurance is like having any other type if insurance coverage. Do you want to take the chance that you could be sued for tens of thousands, or even millions of dollars in individual injury compensation claims without having pet insurance?

Without some form of pet insurance policy you could not. If you have an animal and want to save yourself from the possibility of having to pay out a potentially large amount of money in payment damages to a third party, you should be thinking about buying family pet insurance.

If you are purchasing a home, the homeowner’s insurance company will ask you specifically if you have a pet.  They will ask you if you have a dog.  If you do, they will automatically add on the pet insurance.  Some insurance companies will not insure you if you do not purchase the coverage.

It is better to be safe than sorry.

How Safe Is Your Workplace?

The Bureau of Labor Statistics says that in 2015, there were 155,740 injury cases involving the back. There were 238,610 slip and fall injuries. These are staggering numbers when one considers the efforts most companies have invested into maintaining a safe workplace. In modern times, a multitude of companies have been found liable for injuries sustained in their places of organization. There is a relationship that exists between workplace safety and profitability.

Every company, especially those that are  in manufacturing, are constantly thinking of ways to continuously improve their products and processes. They realize that their profits are directly related to the ways and means by which they produce their products. Unfortunately, far too many companies get caught up in the drive for higher profits.  Because of this, they have a tendency to allow workplace safety to eventually become an afterthought.

The costs associated with operating a large manufacturing facility in America are astounding. Workplace injuries place a massive burden of expense and weakened productivity on a company. These injuries could be reduced with proper planning and careful attention to detail. Most workplace injuries are preventable. There are a multitude of factors to look at, but maintaining a safe and tidy work area is one of the most ideal ways to prevent injury. Workers, too, have a responsibility in keeping themselves safe from harm.

Workplace injuries place a significant burden on health care providers and insurance companies. As companies continue to pay higher premiums for employee health care, one of the only means available for cost recovery is to increase the prices of the products and solutions they produce. This places the burden of expense on the consumer, and allows companies to ignore the root cause of their workplace injuries. The focus here seems to be on maintaining a healthy relationship with shareholders, and not necessarily on maintaining a healthy workforce.

I have been in some manufacturing plants.  The ones that are successful in regards to minimizing injuries have some sore of incentive plan in place.  They also have on display the number of consecutive days they have gone without an accident.  This is effective because that sign keeps the idea of safety on the workers’ minds.

How Safe Is Your Workplace?It is intriguing to note that there are record numbers of jobs, especially in the industrial sector, being sent overseas. There are a number of factors to account for this. One of the most significant reasons is that American companies are able to shave their operating costs down to a fraction of their domestic costs, by capitalizing on cheaper labor in foreign markets. Foreign governments, eager for investment, are all too eager to accommodate the interests of big western business. Far too often, this comes at the expense of workplace safety.

If companies would like to be profitable in the long term, they need to reexamine their approach to workplace safety and the health of their workers. Many companies are sending jobs overseas, in order to take advantage of cheap labor and relaxed labor laws. American companies have the ability to be both profitable and safety conscious. Through directed education campaigns and preemptive planning, workplace injuries can be reduced in a significant way. Remember: a safe worker is a happy worker, and a happy worker is a productive worker.

It will be interesting to see how manufacturing will try to combat the workplace injury issue in the coming years.

If you had a workplace injury, you are entitled to compensation.  Contact us today if you need a consultation.

Facts About Paralegals

For many who are not knowledgeable about the paralegal field, the general consensus is that the person’s role in the law workplace consists mainly of routine jobs. These are people who have never worked as a paralegal, and probably do not know anybody who has actually been in the field.

A paralegal’s role is thought about to be in terms of assisting the monitoring attorney, there is quite a wide assortment of responsibilities and responsibilities that really fall into the category of “helping”! As the primary purpose of a paralegal is to lighten the workload of the lawyer, it is more a matter of delegating important, appropriate jobs, in lieu of doing the worthless jobs that the lawyer himself merely does not wish to do.

Facts About ParalegalsOne example remains in a case procedure. It is frequently the paralegal who has the task of locating the very most existing codes of law and treatment that are the most pertinent to the case the attorney will be working on. As much of these go through regular changes, the paralegal needs to identify not only exactly what matters but what is the most current.

Talking with customers and potential customers is another task common for paralegals who work in a law practice. She is also typically offered the job of interviewing witnesses. In addition to successfully finishing paralegal coursework, it is necessary that the paralegal have exceptional communication skills, in both composed and spoken kinds.

In specialized fields, the paralegal may also be found in court. Whether she is straight dealing with witnesses in a court case, or merely looking after all of the needed paperwork, it is simple to see that a paralegal has a vital function in the legal system. As you can see, the function of a paralegal consists of much more than simply keeping the law office running efficiently. While this is a part of it, obviously, it is by far not the largest factor of a paralegal’s average work day.

Believing a paralegal to be little bit more than a glorified secretary or a “go-fer” is rather an injustice and quite incorrect. Both in overall knowledge and the responsibilities one is expected to perform on a regular basis should make such an individual’s professional standing very clear.

First, the certifications of supporting an attorney suggests a paralegal must have a full overview of the legal system, including the specifics, in order to perform these obligations without having to rely on others with concerns about what is needed and exactly what should be done.

Second, she should likewise be competent to perform all the required tasks, often in the lawyer’s lack. Even though a paralegal is working for an attorney, there are various duties that she should fulfill without his actual existence.

Whether a paralegal is working for a specific attorney in his personal practice, or whether she belongs of a big law firm, it needs to be clear that her role is that of a vital function, both inside and out of the workplace.

It is often the paralegal who has the task of locating the most present codes of law and procedure that are the most relevant to the case the attorney will be working on. Talking to customers and prospective clients is another task common for paralegals who work in a law company. In addition to successfully finishing paralegal coursework, it is vital that the paralegal have exceptional interaction abilities, in both composed and spoken forms.

As you can see, the role of a paralegal is composed of much more than just keeping the law office running smoothly.

We work as a team.  Because of this, our firm will give you the best chance to collect the money you deserve.  We will help you fight the insurance companies.  Contact us today for a free consultation.

The Pre-Paid Legal Provider

I heard you are looking to save some money and hire a pre-paid lawyer.  Well, here is some information that you may need before you do this.

Pre-paid legal plans are promoted under the pledge of inexpensive legal coverage.  This is an attractive option to the high charges charged by regular attorneys and law practices. But under the gloss of available legal services for the community, lie a variety of constraints.

What are the differences?

There is a limit on the scope of the legal services supplied. Most of what is supplied on an unlimited-basis is phone based: calls to your attorney for advice and consultation on legal matters.  Phone calls made on your behalf to 3rd parties. Other advantages bundled in the plan are limited: routine visits to your lawyer’s workplace is restricted to a dozen or so hours per four week period.  Here is an example:   the wills you desire prepared or sample contracts reviewed will be brought out on two or 3 copies per year.

Second is the restriction on your choice of attorney and the quality of legal work provided. Although you are free to pick your own attorney, the client-lawyer relationship and the structure of rapport are more complicated to come by in this scheme.
Pre-paid legal strategies are laden with the “rookie” syndrome.  The providers usually resort to utilizing newly-licensed or student attorneys in a cost-cutting exercise. Somebody who does mostly wills, sample contracts and trusts is probably not an excellent fit with regard to a more intricate legal issue like the custody of children. In this particular day of age of increasing specialization, it is better to ask somebody with specialized understanding and years of experience than it is to be dependent on a newbie with a minimal professional track-record.

Think about a personal injury case.  Do you want someone who is new to the field?  Fresh out of law school?  Someone that does not know the intricacies and nuances of the courtroom?  You will definitely need a veteran.  Someone who specializes in personal injury cases.  Someone who knows how to deal with the insurance companies.  That is a skill in itself.Legal services

You can set up interviews with lawyers, ask for referrals from buddies, previous clients or check your local bar association. You are more likely to get a first-class legal representative with who to build rapport get proficient recommendations and trust the judgement.

In conclusion

Most of what is supplied on an unlimited-basis is phone based: calls to your attorney for guidance and consultation on legal matters, or phone calls made on your behalf to 3rd parties. Pre-paid legal strategies are fraught with the “rookie” syndrome: the providers usually resort to utilizing newly-licensed or student lawyers in a cost-cutting workout. Somebody who does mainly wills, trusts and sample contracts is most likely not a great fit for a more complex legal concern like the custody of kids.

Do not take a chance with a cut rate attorney if you have an injury.  Contact us today, and get the most experienced lawyer for your injury case.

Accidents Involving Semi Trucks

There is a great deal of news narratives in the media highlighting crashes involving semi trucks. Yet statistics show the greater part of accidents that involve a big truck are due to the negligence of other drivers.  Not those who are responsible for keeping eighteen wheels on the road.

The sheer size of a semi truck often means that any accident it is involved in with other vehicles is going to be more severe than when two or more regular sized vehicles have a similar accident. Even as low speeds and accident involving a semi truck might be very serious. To help reduce the risks of semi trucks being involved in accidents, employers are working hard to offer effective training programs for their employees.

What are employers doing?

Many employers who have a fleet of trucks mandate each employee attends a safety meeting on a routine basis. This may be monthly, quarterly, or twice a year. During these meetings all of the safety violations that have taken place in that period of time should be reviewed and evaluated. This way others can learn from mistakes that have already been made.  This will also prevent similar accidents from occurring in the future.

The cost of insurance for semi trucks is very high, and companies as well as owner operators do all they can to reduce it. Having a clean driving record is significant for this to happen. Many trucking companies decline to hire individuals with a history of accidents or speeding tickets. They are considered a high risk because the potential is there that they will be involved in an accident.

Incentives for employees that drive a set amount of miles without any types of accidents is a pretty good way to reward them for their attention to safety.  This can be a flat fee for a set duration of time.  It can also be an amount based on the amount of miles the driver has covered during that span of time.

Accidents Involving Semi TrucksThe percentage of accidents taking place involving semi trucks contrasted to regular passenger vehicles is very low. Yet the drivers of these large trucks are often assumed to be at fault in the eyes of society. While there are instances where the driver was tired or under the influence of something, this isn’t generally the case. Sometimes accidents do happen due to the weather involving large trucks.  The myth that truck drivers are irresponsible individuals who speed excessively hold no truth.

What should drivers do?

It is a good idea for all truck drivers to carry a disposable camera in their glove compartment. This way pictures can be taken if an accident does occur before the vehicles are moved off the road. Make sure you take the time to write down the date, the time, road conditions.  Get the names of any witnesses to the event. If you work for a company you need to report the accident to your dispatcher immediately.

I know the driver may have a cell phone.  If the photos are on the phone, it may be used for evidence.  If this is the case, you may need to give up your phone.  A disposable camera will eliminate that potential problem.

Having this information can make all the difference when it comes to figuring out who was at fault for the accident. Too many people are in a hurry to sue truck drivers and their companies when such incidents occur. If you have to hire an attorney or you have to go to court over the incident you want to have detailed information to protect your innocence.

Call us today at (602) 313-0019 if you have any questions about semi truck accidents.

Preventing Injury At Work

Tips for Preventing Injury At Work

Slips and trips maybe seen by some as funny but they are in fact the very most common origin of major injuries at work.  Over a third of all injuries reported each year is caused by slip or trip accidents. In fact slip or trip accidents account for:

20% of injuries where the employee is absent for over 3-days
33% of all reported major injuries
2 fatalities per year
50% of all reported accidents to members of the public
A cost of millions per year to employers in lost production and other costs

The highest rate of injuries occurs in the food and drink, repair of consumer items and vehicle sectors. However with almost all workplace injuries occur due to poor housekeeping, solutions to the problem are often simple and cost-effective.

Some of the top Insurance Brokers and experts in risk management have produced these top tips on how you can reduce your exposure to risk and with it your insurance premiums.

Preventing Injury At WorkPlanning

By having an effective management system in place the key areas of risk can easily be identified and goals can be set to make enhancements. This should include selecting equipment and work practices that contain slip and trip hazards and if possible prevent them occurring.


Get workers engaged in and committed to reducing risks. This should involve giving people responsibilities to ensure that areas of the workplace are kept safe and then making sure everyone is mindful who is responsible for each area.


Keep a record of cleaning and maintenance work and encourage good wellness and safety.

Monitor and Review

Keep an accident log and re-examine it on a regular basis to learn from incidents that have occurred.

Examine slip and trip risks

Many Health and Safety Executives recommend a 5 step approach to risk management when dealing with slip and trip risks and these are:

Step 1– Inspect for slip and trip hazards around the workplace (e.g., uneven floors, trailing cables, areas that are sometimes slippery due to spillages).

Step 2– Decide who might be harmed and how. Are the people who come into your workplace at risk?

Step 3– Consider the risks– do you already have precautions to deal with the risks?

Step 4– Record your findings if you have 5 or more employees.

Step 5– Regularly review the assessment. If any changes take place make sure that precautions are in place to deal with the risks.

When it comes to preventing slips, trips and falls, you really need to get conditions right from the start.  This will make dealing with risks easier.  This can include choosing the right flooring, making sure lighting levels are adequate, avoiding overcrowding and making sure access routes are clear.  By doing this the chances of an accident occurring will be greatly reduced.  Your exposure to risk will also reduce exponentially. And with certain insurance companies now offering substantial discounts for good health and safety many businesses could also save money on their Business Insurance premiums.

Pain in the Back and Muscles

Here is some information for you about pain in the back and muscles:

The skeletal muscles provides us motion, which is supported by the posture.  Our muscles will reduce, tighten up, and promote movement.  The muscles accompany bones that connect to the tendons.  When the muscles start contracting, the muscles are stimulated and join the fibers through our motor neuron cells. The nerves makeup axon, body of cells, dendrites, etc, and these elements send impulses to the nerves.  They then send the impulses to the significant areas of our system, such as Central Nerve System. The network joins with cells, fibers, muscles, etc, and conveys messages, transferring them through experiences that stop at the brain.  The brain sends alerts that are sent out from motor impulses and brings onto the organs and muscles.  Collagen is produced from the muscle fibers, which the tendons surround the fibers through the softer tissues.

Injuries in this location take place when an individual suddenly stretches, or overexerts the tendons.  The back muscles in the leg comprise the gluteus medius, (Hamstrings) biceps femoris, (Hamstrings), gluteus maximus, iliotibial system, Sartorius, adductor Magnus, gastrocemius, semitendinosus, and the soleus.  In this location, the muscles can be completely burst, or incompletely ruptured.  The soleus, tibia, fibula, Achilles, etc, are the areas that are generally strained, or ruptured.  The discomfort that is caused from the injury can then impact the back.  Because the legs are restricted, as well as the tendons, muscles, etc, movement is limited.  This will limit muscle movement.  This indicates that muscles are not exerting daily on the level it needs to operate properly.  Tendons operate similar to the ligaments.

What are ligaments?

Ligaments are energetic bands that mingle with threads of collagen fiber.  The fiber links to the bones.  The fiber bands and bones link and surround the joints. We get our strength from these joints.  Tendons are muscles and ligaments respectively.  The tendons fuse with the muscles, and this will make up the connective proteins and/or collagen.  Tendons comprise fiber proteins.  The protein fibers are created in the cartilages, bones, skin, tendons, and interrelated connective tissues. Tendons are impacted when different conditions interrupt its actions.  With them being made up of simple tendonitis, and peritendinitis.

What about the tendons?

Pain in the Back and MusclesTendons are also interrupted when back or neck injuries occur.  Neck injuries consist of whiplash.  Incidentally, lots of people believe this is a head injury.  Contrary to their notions, whiplash is a neck injury usually triggered from rear-ends motorized collisions.  Whiplash is neck damage, which can cause disjointed, fractures, ruptured spines, and so on.  Whiplash can cause edema, hemorrhaging, etc.  The problem causes discomfort around the neck and shoulders, but encompasses the back.  Whiplash can also depress the nerves, which leads to linear and/or comminuted problems.  Comminuted difficulties occur from bone damage.

Back injuries frequently take place throughout falls, slips, improper movement, muscle exertion, car mishaps, injury, and so on.  The coccyx lies at the bed of the second spinal column.  Damage to the tailbone can result in serious problems.  This is because the coccyx is non-supported.  The coccyx creates the merged bones.  The merged bones live at the standard of the spinal columns.  The bones in summary are the tailbone.

Back injuries and injuries to the neck can impact the airway, blood, and breathing blood circulation. Some injuries require resuscitation.

The act is performed by efficiently tilting the head back and raising the chin.  If neck injuries are present, you will want to take extra preventative measures if resuscitation is necessary.  If you can not get outcomes after testing for breathing, you will want to check the carotid pulses located in the neck to examine for blood circulation.

Don’t forget about the muscles

The muscles link with bones that attach to the tendons.  When the muscles begin contracting, the muscles are promoted and join the fibers through our motor neuron cells.  Collagen is produced from the muscle fibers, which the tendons surround the fibers by means of the softer tissues.  Because the legs are limited, as well as the tendons, muscles, etc, movement is restricted, which restricts muscle motion.  Tendons are muscles and ligaments respectively, considering that tendons join with the muscles, which make up connective proteins and/or collagen.

Medical Malpractice in Phoenix AZ

Medical Malpractice in Phoenix AZ Defined

Here is some important information from the medical malpractice attorneys in Phoenix AZ:

A patient goes to a medical professional to heal or treat an ailment. When the opposite happens, that the patient is injured or the situation worsens because of a mistake on the part of the health care provider, this is called medical malpractice.

medical malpractice attorney phoenix azMalpractice occurs when a doctor or a health and wellness care professional deviates from the standards which are accepted in the medical profession. It is mostly the doctor who has the final say in the procedure or treatment that a patient undergoes.

Once a health care specialist veers away from the standard medical practice and it leads to serious injuries or complications on the patient’s health, this is considered malpractice.

If this happens, the patient will need to hire one of the medical malpractice attorneys in Phoenix AZ.

In circumstances where a health care physician is accused of malpractice, another health care professional is asked of the procedure that is applicable in the circumstances of the patient. He should have done what is expected of a practitioner who is under the same situation.

The worst case scenario is when a patient dies inadvertently related to the mistake on the part of the doctor.

First, take a look at the mistakes which classify as medical malpractice:

1. injuries relating to birth
2. incorrect dosage and dispersal of medicine or error with prescription
3. incorrect or delayed diagnosis of an ailment
4. improper treatment
5. surgery mistakes
6. failure to refer to a medical specialist
7. health complications from anesthesiologists
8. improper procedures performed on emergency rooms
9. abuse of patients in nursing homes, children’s ward and other medical institutions
10. mistakes with the general treatment of a patient

There are cases where a healthy element of the body is removed because of incorrect diagnosis. A delay in the delivery of a baby may lead to more serious complications.

More specifically, malpractice occurs when the health care professional neglects to perform his or her duties on a timely and efficient manner. Just like with any other aspect in our lives, negligence would always have negative results.

In the medical profession, there should be zero tolerance for negligence because people’s lives and their health are really at stake.

Medical Malpractice Laws and Cases

medical malpractice attorneys in phoenix azThe laws regarding malpractice in the United States may differ from state to state. They are changed from time to time and some laws may apply only to particular circumstances.  The medical malpractice lawyers in Phoenix Arizona will know the specific laws this particular state.

If you have a relative or a friend who may have suffered or died attributed to medical malpractice, then you may consult ThePersonalInjuryLawsuit, the best medical malpractice attorney in Phoenix AZ who concentrates in such cases. We have extensive experience in this field so that you will have the best legal support possible. You may also review past medical malpractice cases to understand more about this.

If you have a medical malpractice case, it would be difficult to immediately recognize whether you have a good or bad case against the health care professional.

Just like in criminal or corporate law, each case is unique and has its own downsides and merits. Your lawyer may need to work through all the details about the case.

Most of these cases are dragging and consumes a whole lot of your time and expenses. Talk with your lawyer before deciding to file a case. Most legal practitioners would first consider the financial and legal merits of your case before they formally proceed to court.

Medical malpractice is a growing problem in the United States. When filing a medical malpractice lawsuit, make certain that you have a lawyer on your side who will adequately defend your rights.

Contact us today, the best medical malpractice attorneys in Phoenix AZ for a free consultation.

Settling A Personal Injury Case

Is There A Formula For Settling A Personal Injury Case


We are a car accident lawyer in Phoenix, and we take potential client questions to inform you on specific topics regarding personal injury scenarios.

This post looks at the formula for settling a personal injury case.  We have heard that there may be a formula for settling a personal injury case.  When we say formula, we mean – medical bills times two, or auto injury amount times four.

Is this a real thing?

Actually there is no formula for settling a personal injury case.  Personal injury claim amounts, if they go to trial, are determined by a jury.  They are not provided with any formula sheet or book.  The jury is given evidence, and any amounts from the plaintiff that they may consider.  Then the jury decides the amount that your case is worth.

So although there is no formula for this, there is a methodology, or a way to look at the case to determine the damages awarded.

The question we need to ask is:

What would a jury do with your case?

Because insurance companies deal with thousands of injury cases nationwide every year, they have specific data to make their case.

  • Are there visible injuries
  • Scarring
  • How much money do they make
  • How much time off from work
  • Permanent disabilities?

Settling A Personal Injury Case in PhoenixThe insurance companies take all of this into consideration and extract the information from a database.  They then can get an idea of what a jury would do in that area, as far as an award is concerned.  Basically they look at past performance to predict future results.

For example, they would know how successful they have been with similar types of cases, then proceed accordingly.  We know that only your city matters.  If a case settled for $5000 in Dallas, this does not mean you will settle for that in Miami.  This is a localized situation, so the local data is more predictive.  The insurance companies have the most data about this, because they have settled more cases than a lawyer possibly could.

The insurance companies usually want to know two things:

  • Who is your doctor
  • Who is your lawyer

Because they have a large database, they know which doctors over treat the patient.  These are the doctors that have higher medical bills.  They would also know which doctors would be good or bad witnesses.  Some lawyers also make referrals to doctors, so the insurance companies may also know this information.  If this is the scenario, then this would look bad at cross-examination.  The insurance company would set to prove that the doctor is shading his testimony because of the relationship with the lawyer.

They also want to know the name of your lawyer.  They want to know if you have a lawyer who settles everything, and never goes to trial.  If this is the scenario, the insurance company can probably get the lawyer to settle for a lower amount.  The insurance company can also determine if your lawyer is a specialist.  This is important because they want to know if your lawyer will do a good job with your case if they go to trial.

You want to go to trial with a specialist, rather than a general lawyer.

We are a car accident lawyer in Phoenix that specializes in car accident cases, so we can get the most for your injuries.  Contact us today for a free consultation, and to get the ball rolling.

Car Accident Lawyer in Phoenix

How long does it take to settle a personal injury case in Phoenix?