No-Doc Mortgage Lenders – Finding the Perfect Loan For the Right Lender!

Are you looking for the type of mortgage that does not require you to prove your income for the past two years? Do you want to get a mortgage, but you know it will be difficult because the income you can prove is far less than what you really make? This makes it difficult, but you can always find one of the many no-doc mortgage lenders that are out there to help you with this problem. Here is what you should know.

First, those that have gone through the process and are self employed, work for tips, or just cannot prove their real income, they know how hard it really is. They know that banks will ask you to prove what you can in income with bank statements, tax forms, and paycheck stubs that you probably don’t have or don’t reflect how much you really make in a year. This can make it very difficult and you will jump through hoops.

Second, when it comes to finding no doc mortgage lenders they are all over the place and you just have to look. You can start online with a search and find many companies that will work very hard to help you get the mortgage you need and desire. When it comes to true no doc mortgage lenders you will be finding those that work mostly with the self employed people because this is what the no doc program was designed for.

Last, you should know that this type of mortgage is going to have a bit of a higher interest rate than those that can use the conventional programs. This is because you are a bit more risky due to the fact that you cannot prove your income. However, this interest rate can be negotiated and if you do your homework you can get it much lower than they quote you.

Three Steps to Getting the Perfect Mortgage!

There are three steps to getting the perfect mortgage. The first step is to find the perfect loan officer; this is the person who has complete control over this process. The second step is to find the right loan. The third step is to get a good interest rate. When these are done it will be easy to locate the perfect home and start living the perfect life; as a homeowner in total and complete control of the space occupied.

Someone new to the home buying process will find this overwhelming and confusing. This process is like learning to drive; a novice sitting behind the wheel is bewildered and confused over the array of buttons, pedals, instruments and levers that must be conquered in addition to this steering wheel and motion of the automobile. Buying a home is just as confusing and just as easy to conquer as learning to drive a car. The loan officer is the driving teacher who will make the process understandable and easy to follow. A quality loan officer is worth his or her weight in gold; this is someone that knows the different loans available and what the lenders require. These people can interview a potential borrower and tell the borrower exactly what must be done to be successful.

Loan Officers at Banks are just required to be registered these loan officers do not need to pass any state exams, hold any licenses and are not required to continually update their education. The person occupying the desk may have arrived there yesterday fresh from a job washing cars at the car wash or flipping hamburgers at a fast food restaurant. As a customer, the borrower has the right to inquire into the loan officers’ education and experience. It is the expertise of the loan officer that will allow the clients to move into the house of their choice; the borrowers should be concerned that the person helping them with getting the perfect mortgage has the expertise to do so. Loan Officers that work for mortgage broker or mortgage bankers are required to take tests, and continually update their education. Many times research can be done online by going to the Nationwide Mortgage Licensing System and Registry, Consumer Access to see if the loan officer is listed and what information is available.

This loan officer will collect information from the borrowers regarding income, banking information, and a loan application. The customer may be asked to provide funds for a credit report with credit score and the cost of an appraisal. Getting the perfect mortgage today is usually an FHA insured loan, but may include a USDA Home Loan. The borrower’s credit score needs to be 620 or above. The down payment requirements are only 3-1/2% for an FHA loan, and zero down for a USDA Home Loan. Interest rates are at the lowest since rates have been tracked. If a purchaser is buying $100,000 home, they would need to bring $3500 to closing to pay their cost. The best part about an FHA loan is that the seller can pay the borrowers loan costs up to 3%; this means all the closing costs. The borrower would not need to bring any money to closing.

Getting the perfect mortgage is easy if the borrower can find the perfect loan officer.

Simple Solutions for Speedy Approval on Bad Credit Auto Loans

Ever heard “bad credit history” and “easy” go together in a single sentence? Bad credit score or poor credit history has always been a spoiler in the auto loan process. But, Americans can have a breather because bad credit auto loans are really EASY. You can definitely get the perfect loan program for your car. Just use this article and guide yourself to the easiest car loan approval ever.

Several Opportunities Today

There are much more opportunities for an American with bad credit than there were before. Over the past few years, there has been a considerable rise in the number of low credit borrowers and poor credit car buyers. So, many lenders have started offering sub-prime car financing in the country.

With the advancement in the field of internet, online buying has become the order of the day. You can get anything and everything on the web. And, car financing programs are no different.

Research Before you Search

Now, that you are aware of many alternatives to secure bad credit auto financing, you must start working on research. Don’t think that research is boring and time-consuming. It is very important part of the bad credit car loans process because it lets you reduce your interest rates. Also, it gives you the opportunity to get flexible car loan terms.

1. Calculate your budget.
2. Get an idea of your credit score and credit report. Pay-off older loans if possible.
3. Know what kind of car is perfect for you.

Ready with Documents for Ready Approval

For you, a bad credit auto loan is a means of buying your dream car. But, for the lender, it’s just business. And, he needs to be very sure of the safety of his money. That’s why; many lenders require you to be ready with few documents that will ensure your financial capability.

1. SSN
2. Credit Report
3. Income Proof – Pay stubs/Income Tax Returns
4. Employment Proof – Employment Verification Letter
5. Receipt of Utility Bills

It is necessary to be ready with all the paperwork. By doing so, the lenders will realize your determination in securing the car loan. It will aid in getting quick approval.

Take Time to Take Decision

Study the pros and cons of every auto loan quote. Complete scrutiny is an excellent idea for getting an auto loan with low credit. You must realize that the auto loan program has the potential of removing bad credit from your credit report. And, so you must be diligent in choosing something so important.

Do not fall prey to lenders who offer special discounts with lots of hidden charges. Read the terms and conditions properly before signing the loan papers.

Strong Will to get Speedy Approval

We all know that a bad credit score prevents us from buying that perfect car. But, you can’t just contemplate it. You must take action to get approved for such loans. You must be passionate about fulfilling your car dream. A poor credit score shouldn’t bother you. Past poor credit history is because of your past financial transactions and it certainly shouldn’t have a say in your future. So, get up and get ready to fight bad credit history with all your might. With the tips mentioned in this article, you will definitely crack the code of the perfect loan.

Calcium Needs At All Life Stages

It is the most abundant mineral in the body, present mainly in the bones and teeth. From the start, toddlers have an increased need for dietary calcium to support bone growth and skeletal development that takes place rapidly in the early years of life. This development and its need – continues into the teenage years and is particularly crucial for adolescent girls who need to stock their calcium supplies to prevent osteoporosis later in life. Adequate intake at this stage is needed to support ongoing bone growth and to achieve peak bone mass. It is an essential dietary element required in optimal amounts for good bone health, efficient nerve and muscle function, and overall cardiovascular health. Without enough of it throughout life, a person’s bones can begin to weaken over time. That can make it more difficult to stay active while also creating a higher risk of fractures and osteoporosis. A person’s bone density will generally reach its peak at roughly age 30, and then begin to fade after that. Adequate daily intake can help maintain proper bone density and help prevent osteoporosis – which creates porous and fragile bones. It makes up about three percent of the earth’s crust and is a basic component of most animals and plants. Eating a diet rich in calcium helps to restore it to the bones; supplements can help as well.

Why is calcium necessary?

It is known mostly for its role in building and maintaining strong bones and teeth, but it is also required for proper functioning of the heart, muscles and nervous system. It plays a role in maintaining normal blood pressure, regulating blood clotting. It is also associated with relieving mood swings, food cravings, and decreasing the pain, tenderness and bloating associated with premenstrual syndrome.

What are the deficiency signs?

Deficiency symptoms (also known as hypocalcemia) range from minor – numbness or tingling of the fingers, muscle cramps, lethargy and poor appetite – to more severe, including mental confusion, skeletal malformations, dermatitis, and in infants, delayed development. Illnesses such as osteoporosis (brittle, thin, porous bones that easily break) and rickets are also associated with a deficiency.

How much, and what kind, does an adult need?

If vitamin D levels are optimal, most adults should be able to meet their daily calcium needs via a varied diet. When individuals are unable to get enough of it through a diet or for those who may need more than the recommended daily allowance, supplements can help. Doctors recommends women supplement with 500 to 700 mg of calcium citrate in two divided doses taken with meals for a total of 1,000-1,200 mg a day from all sources. Supplementing with its citrate form, which is more easily absorbed than other forms, taken with half the dosage amount of magnesium.

How much does a child need?

The normal daily recommended intake for children is as follows: infants through three years of age is 400-800 mg; children between 4 and 10 years of age is 800 mg; adolescent males is 800-1,200 mg; and adolescent females is 800-1,200 mg daily.
How do you get enough from foods?

An abundant source of this mineral in the American diet is dairy products – two glasses of milk per day provide 1,000-1,200 mg. If you choose to get via dairy products – and this is not essential, as there are many other calcium-rich foods – make sure you use only hormone-free, organic dairy products to reduce your exposure to the antibiotics and hormones found in many dairy products. Non-dairy foods include: greens such as collards, mustard, kale, and bok choy; canned salmon (with bones) and sardines; tofu, soy milk, fruit juice and cereals; blackstrap molasses; and broccoli.

Are there any risks associated with too much?

Its supplements can be constipating, and should be balanced with magnesium as discussed above. Excessive amounts in the blood may have negative effects, including nausea, vomiting, loss of appetite, and increased urination. More serious complications include kidney toxicity, confusion, and irregular heart rhythm. Studies indicate that men who take too much may have an increased risk of prostate cancer, and should limit their dietary intake to 500-600 mg daily from all sources.

Who should we take it as supplements?

It is an important mineral for the human body. It helps build and protect your teeth and bones. Getting enough of it over your lifetime can help prevent osteoporosis. Most people get it through their normal diet. Dairy foods and leafy green vegetables have high levels of calcium. Your health care provider will tell you if you need to take extra dose id required.

TYPES OF CALCIUM SUPPLEMENTS

Forms of calcium include:
Calcium Type
Pros
Calcium citrate (21% calcium)
Most easily absorbed
Calcium carbonate
Least expensive; has more elemental calcium

Calcium carbonate. Over-the-counter (OTC) antacid products contain it and these sources of it do not cost much. Each pill or chew provides 200 mg or more of calcium.

Calcium citrate. This is a more expensive form of calcium. It is absorbed well on an empty or full stomach. People with low levels of stomach acid (a condition that is more common in people over age 50) absorb this better than other forms.

HOW TO TAKE HIGHER DOSE

Increase the dose of your supplement slowly. Your provider may suggest that you start with 500 mg a day for a week, and then add more over time.Try to spread the extra dose you take over the day. DO NOT take more than 500 mg at a time. Taking it throughout the day will:

Allow more calcium to be absorbed

Cut down on side effects such as gas, bloating, and constipation
The total amount adults need every day from food and supplements:
19 to 50 years: 1,000 mg/day
51 to 70 years: Men – 1,000 mg/day; Women – 1,200 mg/day
71 years and over: 1,200 mg/day

SIDE EFFECTS AND SAFETY

DO NOT take more than the recommended amount of it. Try the following if you have side effects from taking extra calcium:

Drink more fluids.

Eat high-fiber foods

Switch to another form of calcium if the diet changes do not help.

Always tell your provider and pharmacist if you are taking extra dose. Its supplements may change the way your body absorbs some medicines. These include certain types of antibiotics and iron pills.

Are there any other special considerations?

Vitamin D is key to absorbing and so make sure to get adequate intake of vitamin D. Vitamin D, often referred to as the “sunshine vitamin,” is actually a fat-soluble hormone that the body can synthesize naturally. There are several forms, including two that are important to humans: D2 and D3. Vitamin D2 (ergocalciferol) is synthesized by plants, and vitamin D3 (cholecalciferol) is synthesized by humans when skin is exposed to ultraviolet-B (UVB) rays from sunlight. The active form of the vitamin is calcitriol, synthesized from either D2 or D3 in the kidneys. Vitamin D helps to maintain normal blood levels of calcium and phosphorus.

Vitamin K2 is a beneficial form of Vitamin K for bones. Unlike Vitamin K1 which is used to activate blood clotting proteins, Vitamin K2 is beneficial for activating proteins which help bind calcium to bones. Vitamin K2 is found in food but not in anywhere near the concentration found in Osteo-K. Taking Osteo-K helps boost daily intake of vitamin K2 to support bone health. Older people may need to take it in extra larger doses because they do not absorb it as well as younger people.

If you take oral vitamin D,you also need to take vitamin K2. Vitamin K2 helps to move calcium to proper areas where its needed and removes it from sites where it shouldn’t be present like arteries and soft tissues. When you take vitamin D, your body creates more of these vitamin K2-dependent proteins, the proteins that will move it around. They have a lot of potential health benefits. But until the K2 comes in to activate those proteins, those benefits aren’t realized. So, really, if you’re taking vitamin D, you’re creating an increased demand for K2. Vitamin K2 deficiency is one of the reason why people suffer from vitamin D toxicity symptoms which includes improper calcification leading to hardening of arteries. And vitamin D and K2 work together to strengthen your bones and improve your heart health.

It seems likely that 150 to 200 mgs of vitamin k2 is enough to activate your K2 dependent proteins to shuttle calcium to proper areas.

How can you tell that you are deficit of vitamin k2?

There is no specific tests for finding it. By assessing the lifestyle and diet you eat,one can find whether he is lacking the critical nutrients needed for the body. If you face following health conditions then you are likely deficient in vitamin K2.

Do you have osteoporosis?

Do you have heart disease?

Do you have diabetes?

If you are facing such symptoms, its better to think on deficiencies and take necessary steps.

The Top 10 Benefits and Uses of Essiac Tea

Essiac tea is an alternative health drink that is getting a lot of attention lately. It’s a tea that is comprised of several herbal elements include burdock, rhubarb, elm bark, and many other elements. It has been traced to being a major drink of indigenous tribes in North America. Researchers have been studying the drink for some time, and it has been shown to help the body in a number of ways. Drinking this on a regular basis could very well help with the following 10 benefits.

Liver Health

The first major benefit is in regard to the liver. The blend of herbs helps with cleaning the liver of toxicity. It can flush toxicity through the liver, and process it through the urine. With this tea, some individuals may see a reversal of issues related to jaundice. Which is a disease of the liver. While it’s not a miracle cure, it does support liver function, enzymes, and the removal of toxicity that can end up traveling through the body’s digestive tract. It can help boost immune system, and waste management, with a boost to the liver outright.

Ease Constipation

For individuals that are dealing with bowel movement issues, specifically constipation, this tea can help. The herbs can help soften the stool, and can help bring through enough fiber to help with intestinal distress. This is an easy laxative to take as it works with the body’s natural systems. It’s not a chemical stimulant, or harsh fibrous element. The herbs help the body manage waste, and assist with constipation with ease. There is no pain, or issue when taking this tea, as it helps the body within a few hours of drinking it, assuming the individual is struggling with constipation.

Iron Supplement

Essiac tea has a few key vitamins and minerals. One of the most common is iron. Iron is a very critical part of the body’s natural systems. With iron supplemented through tea drinking, you’ll find that the proteins in the blood help form red blood cells, and even help with reversing anemia. This strengthens circulation, and assists with proper production of hemoglobin. Staving off anemia is a great thing, and can help people that are struggling with diet and exercise, get a small boost in the right direction. It helps directly with the circulatory system, promoting heart health.

Blood Pressure Regulation

Those dealing with blood pressure issues, specifically high blood pressure, will find that the tea can help with circulation. It can help with lowering pressure, and regulating heartbeat. Those that utilize this as a calming drink, will find that it can help with a variety of different elements in the body. It can lower pressure, and even help with stress. It begins working within the first time taking it, and works as one drinks more of it through several days. Studies have shown that in a few days, pressure can significantly drop to safer levels.

Bone Health

Much like calcium, this tea can help with bone health. While it’s not the same compound as calcium, it does help with strengthening bone structure, and delivers a powerful mix of vitamins and minerals that the body utilizes to strengthen bone structure. There is a calcium element in this, but not as much as milk, but enough to help boost the body’s natural resources to help with strengthening bones that are susceptible, or may be weakening from injury, or malnutrition.

Energy Boost

While Essiac tea is not caffeinated like a cup of tea, there is an energy level boost given to drinkers of this tea. It’s done through an increase of vitamin-C, and B elements. By helping the body’s natural systems get a boost in vitamins, waking up becomes easier, and getting a little natural energy delivers on the premise that coffee does, without the crash. That’s right, there’s no crash, there’s no sleepiness after drinking this, instead, energy becomes natural, without stimulants. It has a balance that works with the body.

Helps Digest Food

Having problems digesting food? Upset stomach? Nausea? Well, the benefit that this tea gives the digestive system is immense. It helps bring about the right pH levels of the body. By stimulating the stomach to produce the right enzymes, and bile production from the glands, you’ll find that digestion is much easier. That means that eating will not be a chore, and you’ll reduce heart burn, acid reflux, and much more. This helps by adding a helping hand to the stomach’s acid, so that it stabilizes a bit easier. It becomes easier to enjoy your favorite foods, that’s for sure.

Regulate Sugar Levels

While this is not a cure for diabetes, it has been shown to help with insulin production. It can help with insulin secretion, and management. This can help lower blood sugar spikes, and help keep levels lower, although it’s not a replacement for any diabetes treatment. It can help people that are susceptible to blood sugar spikes. This can also help with boosting the pancreas’s levels as well. For those that are diabetic, the tea can help with kidney function, and help with reducing toxicity. It helps with urination, frequency, and quantity as well.

Help The Skin

Researchers exploring the benefits of Essiac Tea have found that it can help with skin care. Used as a topical solution it can help with anti-septic, and anti-inflammatory elements. It also helps from the inside out, providing skin care elements, reduction of acne, and even fine lines. Those that are looking to help with the signs of aging will see a boost in overall skin care in a few days. It helps the body with hormonal secretions and balance, helping the skin heal from the rays of the sun, to the interior of the dermal layers.

Promotes Weight Loss

The last major thing that you’re going to find with this tea is that it helps with losing weight. By helping the body’s digestive system, you may get a boost of metabolic ratio. That means that you will burn calories, even when asleep. Pushing the metabolic rate is a great thing, and can lead to faster weight loss, and sustained management in time.

What Is Tort Law Exactly?

Have you ever done something that was against the rules? Well, torts are something like that; but much more serious. Torts are civil wrong-doings; immoral behaviors and actions against civilians. The law identifies a tort as immoral, and approves it as grounds for a lawsuit. Most often, torts come with severe consequences, like serious injuries and death. These consequences establish a civilian’s right to file a personal injury claim against a wrongful party.

Torts that result in serious injury or death can be punishable by imprisonment; however, the objective of tort law is to acquire compensation for damages incurred by victims and families of victims. In addition, and equally important, intent is to prevent similar wrongdoings from occurring in the future. In fact, victims of tort can take legal action for an injunction in order to inhibit further torturous conduct of the opposing party.

Explaining Torts and Tort Law

Victims of tort can pursue fair compensation for damages incurred as a result of the offence. Exemplary damages include everything from pain and suffering to loss of companionship, and much more; such as lost wages, hospital bills, medical expenses, scarring or disfigurement, funeral expenses, prolonged rehabilitation, permanent disabilities, and much more. Injured victims can also pursue compensation for damages like diminished quality of life and loss of benefits from loved one’s death. Tort law is established to protect injured victims that were wrongfully hurt by a negligent party. Negligent parties can include people, companies, individuals, organizations, products, and much more.

Categories of Tort

There are several individual capacities of tort law that all depend on the type of injury or accident that harms a person. Types of tort include motor vehicle accidents, product liability, assault and battery, sexual harassment, drunk driving accidents, wrongful death, slip and falls, head or brain injuries, dog bites, nursing home neglect, motorcycle accidents, and several other types of deliberate inflictions of emotional or physical trauma.

Every type of tort can be grouped into three separate categories of tort law; these categories are Intentional Torts, Negligent Torts, and Strict Liability Torts. Intentional torts are deliberate, premeditated, and purposeful. Assault and battery, sexual misconducts, and nursing home neglect are some examples of intentional tort. Negligent tort occurs as a result of carelessness and disregard. Disobeying traffic signals and causing an accident that harms another person is an example of negligent tort. Other examples include pedestrian accidents, hit-and-run accidents, medical malpractice, legal malpractice, and slip and fall accidents. Strict liability torts, on the other hand, occur when a particular action causes harm or damage to another person; such as liability for making and selling defective products that are hazardous.

If you are a victim of tort, or was recently injured in an accident caused by the negligence or misconduct of another party, you may be entitled to compensation for your damages. Contact a licensed personal injury law firm for professional guidance and counsel. It is important to take immediate action following a serious injury before the State’s statutes of limitation runs out. An experienced tort lawyer will substantially increase your chances and likelihood of winning your personal injury claim recovering compensation for your damages.

Posted in Law

Common Benefits Received From Workers’ Compensation

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.

Posted in Law

Who’s Liable for Injuries Sustained in Public Transportation Accidents?

Public transportation is a wonderful asset for thousands of Americans all across the country. Buses, trains, subways, limousines, metros, taxi cabs, and more are just a few examples of the variety we have to choose from when it comes to public transport. As customers and clients, we generally trust that these choices are safe and reliable; but sometimes unexpected accidents happen.

If someone is injured while using public transportation, who is at-fault for their damages? There can be several outcomes when determining who is liable for accidents such as these. Continue reading to understand all the possible parties that might be liable, under law, for injuries sustained to public transient customers.

Public Transportation Traffic Accidents

When it comes to public transportation, buses are one of the most popular. Tickets are inexpensive, and some buses are complementary to individuals in the community. School buses are also widely used for public school transportation. With the rising popularity of public buses, more and more are on the roads every day. As a result, the number of bus accidents continue to increase each year. According to the National Highway Traffic Safety Administration (NHTSA), more than 300 bus accidents happen every year, all of which resulting in fatalities.

Bus crashes, and other public transport cases, are complicated to litigate. Determining the at-fault party is a bus crash can be tricky because it may be more than one, or none at all. It requires the professional litigation skills and trial experience of a licensed car accident attorney to effectively pursue a bus accident injury lawsuit or claim. If you or someone you loved has recently been injured in a public transportation accident, like buses or taxis, contact a local personal injury lawyer to learn your rights.

Possible At-Fault Parties:

  • The Driver
  • Management Company
  • Other Negligent Vehicles
  • Government Entities (If Public)
  • Equipment Manufacturers
  • City Traffic Management (If Defective Light or Sign)

Common Causes:

  • Drunk Driving
  • Driving Under the Influence of Drugs
  • Defective Stop Light or Traffic Sign
  • Hazardous Weather Conditions
  • Reckless or Careless Driving
  • Poor Equipment Maintenance
  • Treacherous Roads
  • Defective Equipment
  • Obstruction of Views
  • Other Negligent Vehicles on the Road

Traffic accidents, public or not, can happen very suddenly, and usually result in serious injuries and damages to innocent bystanders and drivers. If a person is injured using public transportation as a result of another carelessness or negligence, they are entitled to legal compensation for their pain, suffering, lost wages, medical bills, and more. 

Posted in Law

A Myth Regarding Personal Injury Protection

I often get told by my clients that they “do not want to make any claims on their own insurance policy” because “it will raise their rates.” Like many things, this is an insurance tactic meant to scare people from claiming what is rightfully theirs. Let me elaborate further.

Under Texas law, every person in the State must carry Personal Injury Protection (“PIP”) coverage on their auto insurance policy, unless you expressly sign a rejection or “opt-out” of this coverage. The State minimum requirement is $2,500, although many people carry $5,000 or $10,000 in coverage (or sometimes even more, depending on what their auto insurance carrier offers). Importantly, under the Texas Insurance Code, it is illegal for your insurance company to raise your insurance rates, drop your coverage, affect your credit, etc. for making these claims. Therefore, if you have this coverage, you always want to use it.

PIP coverage is meant to reimburse you for two things: (1) medical bills you have already incurred or (2) lost wages (although it will only cover 80% of your lost wages). Additionally, Texas allows “stacking” of insurance benefits. For example, let’s say you get into an accident and you are taken to the emergency room where you incur a $10,000.00 bill. Let’s also say that you have the standard $2,500 PIP policy through your insurance company. After you are finished treating, we send that same $10,000 bill to both the Defendant’s insurance company and to your own. We get you paid $10,000 from this insurance company plus $2,500 from your own PIP coverage for a total reimbursement of $12,500. That’s right, you get paid $12,500 for a bill that was originally $10,000.

I always tell my clients the same thing: If you pay for this coverage every month in your premium, and if your insurance company cannot raise your rates for using it, then why wouldn’t you use it? It is free money falling out of the sky. However, because it’s free money falling out of the sky, many insurance companies (and their agents) will deliberately try to convince you that you do not need it because “it cost more.” Again, this cannot be further from the truth. The cost of this coverage is literally pennies on the dollar for what you get in return should you need to use it. Further, the best part is that this coverage is no-fault, meaning you are entitled to these benefits whether you caused the accident or if someone else hit you.

For these reasons, it is a no-brainer not only to have this coverage, but also to use it once you need it.

Posted in Law

How Do Strong Social and Community Ties Impact Your Health?

I called my friend, also named Lisa, who lives in Houston, Texas. Hurricane Harvey’s devastation had not only hit Houston, the fourth largest city in the United States, but many communities in the Gulf Coast region. According to my friend, who lives on the north side of Houston where they got no flooding except for those who were near a river or large body of water, the worst of the rain is over. People are leaving shelters scattered thought-out Harris County, where Houston is located.

Out of the 6.5 million people in the greater Houston area only about 1.5 million lost power and most all the water is drinkable. No need for ice, a valuable commodity, for many of us here in Charleston who experienced the wrath of Hurricane Hugo. Unlike Houston, Hurricane Hugo, also a category 4 storm, was a direct hit and as a result we not only got the flooding but also high winds. But no one can deny that the Houston area experienced the worst flooding in its history, with some areas getting as much as 50 inches of rain. And because Hurricane Harvey’s devastation was so widespread, it will take years for the region to recover from this natural disaster.

My friend, Lisa, who is originally from Charleston, knows about hurricanes and the emotional roller coaster they bring; the anxiety before the storm of not knowing exactly what is going to happen, the storm itself, the flooding and aftermath once the storm has passed. No doubt, you too, no matter where you call home, are aware of the horrific situation the residents of the Gulf Coast region, north of Brownsville, Texas, are now experiencing. Lives have been lost, people displaced and the uncertainty of what’s ahead. It is one thing to watch the news again and again and be reminded of the destruction and the anguish. But to just absorb the information without acting when we can help can be paralyzing and emotionally harmful.

Animals as well need help and assistance. Donate to the Houston Humane Society, which is helping animals affected by the storm. The Hurricane Harvey Relief Fund, administered by the Greater Houston Community Foundation, is another charity. You may also want to check out Charity Navigator to further ensure your donations are helping those in need.

By helping those in need, you too can benefit. Studies have shown that people with strong social and community ties tend to live longer, are less likely to report being depressed, and have a stronger a sense of belonging, purpose and self worth.