Auto Accident Injury Cases – Common Myths

Whether it’s a relative or friend’s past experiences, media exposure or general assumptions about lawsuits, no one can predict the outcome of an auto accident case. Many drivers would probably be surprised to learn just how different auto accident law is from any other type of law in this country. This unique area of law indicates that predicting the outcome of an auto accident case is impractical as experienced lawyers explain some of the common myths associated with these types of injury cases.

Myth 1: Each state’s auto injury laws are the same

Insurance rates are regulated by state-run agencies and vary widely from state to state. Some states require that you purchase liability insurance, some do not. Some states have no-fault law, while others have at-fault laws. No-fault laws tend to be widely misinterpreted by residents who find the details of who pays for what fairly confusing.

No-fault in its simplest terms means that regardless of fault, a car accident victim is entitled to certain benefits. For example, a person’s own auto insurance company pays for the economic loss from his injuries (medical bills and lost wages) after an auto accident, regardless of which driver caused the accident.

At-fault states take into account who was at fault for an accident, and to what degree, when determining what each person (and their insurance companies) will pay for injuries and property damage.

All of these factors affect an auto accident case including settlement offers, jury verdicts and even appeals.

Myth 2: I can collect pain and suffering damages simply from being in pain

Some states have specific requirements that an injured car accident victim must first pass before she can recover non-economic (pain and suffering) damages from any automobile accident. This means that being in pain is not enough to receive compensation beyond your limited economic damages such as medical bills and lost wages. In order to qualify for additional non-economic damages in some states, the injured party has to have suffered any of the three types of injuries:

1. Death
2. Permanent serious disfigurement
3. Serious impairment of body function

“Death” is pretty self-explanatory. A “permanent serious disfigurement” is the loss of a body part, scarring, burning or any other type of injury that affects one’s outward appearance. A “serious impairment of body function” is an injury that generally affects the victim’s ability to lead his normal life. Still, the interpretation of serious impairment varies by case. For example, a broken finger may not negatively impact most people’s lives, but for a professional bowler or violinist, it would be considered an important body function.

Myth 3: Million dollar settlements are easy if you have severe injuries

Auto accident attorneys have seen plenty of cases thrown out with zero compensation for victims who had serious, life-altering injuries. With so many interpretations of the law and the impact of recent activities with key cases before each state’s Supreme Court, auto accident law is continually evolving. With the poor economy resulting in huge losses for many insurance companies, auto insurance defense teams are using dirty tactics and becoming more aggressive with challenging injuries. Every case is different and a good attorney will not guarantee you a specific award.

Myth 4: If I hold out long enough, my insurance company will settle for a higher amount

A victim’s injuries and circumstances can have a dramatic affect on an insurance company’s willingness to settle an impending lawsuit. There are numerous factors that can affect an insurance company’s reimbursement offer including their internal company protocol, the reputation of the victim’s attorney and the track record of the assigned judge. Discussion with an auto accident lawyer on your unique set of circumstances will help you have a better understanding of the viability of your case. Even then, auto insurance companies’ display of unpredictable behavior is making auto accident law one of the most challenging areas of law to interpret and predict.

Myth 5: Any personal injury lawyer can handle my case

The law defining what’s required to have a successful automobile accident case is always changing. With constant changes to car accident law in each state, there is a great deal of legal uncertainty for general practice lawyers seeking to understand what is necessary to have a “good” car accident personal injury case. There is no dependable body of case law to guide attorneys handling automobile accident cases today. This lack of a dependable law has left many personal injury lawyers confused by conflicting decisions interpreting each state’s automobile negligence laws.

That’s why it’s vital to have a personal injury lawyer who specializes in car accidents, truck accidents and motorcycle accidents. Keep in mind, in some states, one who markets himself as a personal injury lawyer does not need to hold any special qualifications, training, certification or licensure to say he is indeed, a personal injury lawyer. But a lawyer who specializes in auto accidents and has experience with these types of cases will be aware of the latest judgments and how they affect future litigation. Car accident lawyers also have more experience dealing with auto insurance companies and understand how to challenge their delay and deny tactics unjustly and routinely used on accident victims trying to make claims.

Good legal advice from the start will help you avoid devastating loss of your legal rights, medical benefits and ability to receive the best compensation for pain and suffering. Whether you go through a friend or find a reputable attorney through your states’ Bar Association, make sure you choose one who specializes only in auto accidents with a proven record of success.

For more information on auto injuries visit Michigan Auto Law’s Auto Accident Resource Center at http://www.michiganautolaw.com/caraccidents/index.php. Victims can find more than 600 pages of helpful advice and explanations of no-fault law.

Steve Gursten is recognized as one of the nations top experts in serious car and truck accident injury cases and automobile insurance no-fault litigation. Steve has received the largest jury verdict for an automobile accident case in Michigan in four of the past seven years, including 2008.

Steve is a partner in Michigan Auto Law, the largest law firm exclusively handling Michigan car accident, truck accident and motorcycle accident cases throughout the entire state. The firm is headquartered in Southfield at 26555 Evergreen Road, Suite 1530, (800)777-0028.

Article Source: http://EzineArticles.com/expert/Steve_Gursten/328983

 

Using Auto Body Shops to Save Money

Auto body parts are commodities, which have demands occasionally. Regardless of whether you own a car, truck or a motorcycle these requirements will always arise when you want to fix up your vehicle that has had a recent crash or restore a part, which is broken. Most people like to repair their vehicle with good parts. There are ways to find economical and affordable auto parts for your car.

Buy Used Parts

A clever way to save money on car parts or motorcycle parts is to purchase them second-hand. These items can be used or redecorated which permits the person to save funds, yet still get a quality body part. Second-hand parts can be purchased through auto garages or even in some of the auto body shops, which sell old parts. Just make sure that quality of the used part is appreciable, though not bad. Ensure that it will be a fitting addition to the automobile and is in good enough shape to be used in your auto.

Buy Auto Parts in Bulk

If you find that you need multiple auto parts for your car, truck or motorcycle, try to buy them in sufficient numbers. Buying auto parts in bulk will help one to attain the necessary and important parts, which always have demand in the market. From an economical point of view, one might be exempted from heavy priced invoices too. Bulk discounts are often tagged with different auto parts stores. Check out bulk rates and always prefer to get the parts in bulk from an auto body shop at a low-priced rate.

Shop Auto Store Sales

Often auto parts stores will have seasonal sales on the items, which they deal. The items that are widely offered in the auto body shops, are the one of high demand and, hence are naturally expensive.In order to facilitate the potential buyers, various off season sales are carried out by, the prominent spare part manufacturers. You may not be able to find precisely what you have to purchase on sale however this is always an alternative to think and ask about. The parts will be offered at a discounted rate through coupons available in auto body shops. Therefore make inquiries with the manufacturer or look on their website for coupons before heading out to the auto parts store.

Quality of the parts sold by the auto body shop should not be compromised for the budget that one allocates for buying spare parts for his auto. Persisting on using OEM (Original Equipment Manufacturer) parts will make sure that the repair job is completed perfectly, and you start to fly off with a vehicle that is dazzling with new makeover.

Bob Rutledge is the owner of MicroManaged Media, Inc., a search engine marketing company specializing in achieving top organic listings in search engines for air conditioning repair web sites. Yellow pages, cost per click and old media methods of advertising will no longer provide the ROI required. Organic search engine marketing can produce profitable results. Call 770-875-3589 or visit our web site to learn more.

Article Source: http://EzineArticles.com/expert/Bob_Rutledge/276125

 

How to Get Bad Credit Auto Loans

Preparing Yourself for an Auto Loan with Bad Credit Ratings

Many individuals have poor or bad credit ratings due to various reasons. And when such individuals try to avail their car loans, getting the required credit turns out to be difficult. It is quite common for such individuals to apply for car financing and end up with rejected car loan applications. The common reason being improper preparation of the application, or applying for the wrong kind of auto loan at the wrong time. Due to the ongoing economic recession, many of the moneylenders have started offering credit facility to borrowers having low FICO score and poor credit history in the form of bad credit auto loans, simply because they need to sell their loan products and earn some money in the form of interest. Having stringent measures would mean less business and lesser earnings, because there is no way the bulk of the market applicant would satisfy the harsh requirements. So what is the way out for the person if he or she wants to avail the auto financing facility, and has bad credit ratings? The following pointers can help you in deciding how to go about the problem.

Special Auto Finance Facilities for Individuals Having a Bad or Poor Credit History

Traditional loan providers need good or excellent credit ratings and a high FICO score before they provide their credit. They are generally not inclined to sponsor car financing if the applicant has a history of loan defaults or late monthly payments. Banks and credit lending institutions are typically such type of orthodox credit firm, including some of the car manufacturer like Ford Motor Credit and Toyota Motor Credit who offer car credit options. However, there are several institute and moneylenders who prefer to do business by providing loans and credit facilities for individuals having bad and poor credit ratings. The intention is to cater to the untapped potential of the loan market consisting of individuals who do not quality for traditional auto loans. The primary reason for undertaking the venture is many individuals do not qualify for the loans, and satisfying their requirements would mean earning a substantial chunk of money in the form of interest from such individuals. They are specialized moneylenders who have enough experience to know when to take the risks, and in what manner.

The best way to search for such bad credit auto financing institutes and loan providers is to browse online on the net. Almost all credit providers advertise their company or firm through portals, and these websites provide all relevant information related to the loan products offered by them. Variables such as the rate of interest, tenure, turnaround time, monthly installment schemes, and loan options are usually explained on the sites. In addition, majority of the sites also provide online auto loan calculators, which can prove to be very helpful in calculating the combinations of different interest rates and loan tenures. It becomes easy to work out what kind of repayment plan turns out to be most beneficial to you. Another important issue that needs to be worked out is the negotiation part. Car buyers negotiate with loan providers to get the most affordable deal. So if you are not that good at negotiations, it is recommended you seek the services of professional negotiators or credit negotiation service providers who can argue on your behalf, and help you get cost effective deals. Another important benefit of such services is that the company and firm experts help in working out your auto loan application, so your application gets prepared in an organized and professional way, thus increasing your chances of availing your auto finance.

Qualifying for a Bad or Poor Credit Auto Loan

One needs to qualify if one decides to apply for an auto loan for bad credit. Majority of the applications get rejected because of improper or incorrect submission of the forms. Insufficient or incorrect details, along with missing documentation such as credit status reports, bank statements, and even employment details can very easily lead to a rejection of your application form. Common documents required are usually ID proof, residential ownership or rent details, contact number, and minimum monthly pay earned. As per the current market trend, it is required to earn a minimum of $2,000 every month to qualify for even the basic amount required for car finance. Another important point to work out is the car insurance and accident claim coverage options offered by the insurance provider. The insurance also adds up to the car buying charges. So it is suggested you check out the various car insurance options offered by the lenders and select the plan which suits your requirement and budget.

Having a poor or bad credit does not mean you will never qualify for an auto loan. Many lenders offer auto financing to individuals having poor credit ratings. However, it is important to find out how bad credit auto financing work, and how to prepare and submit your loan application in the correct way.

Article Source: http://EzineArticles.com/expert/Mabia_Williams/153814

 

Finding a Good Auto Mechanic

Good Utah auto repair can be tough to find. Some auto mechanics cannot be relied on to get the job done in a timely manner. Whether your car needs a service or a repair, you need to find a good auto mechanic to take care of the situation to save you money and energy later on.

Find a reliable auto mechanic first by referrals. Friends will let you know straight up whether their mechanic has been doing a good job or not. Referrals can give you a good starting place when searching for a reliable and qualified Utah auto repair mechanic.

An auto mechanic should be able to service or repair your car. They should have the skills and training necessary to properly service your car. Check what training they got, or education they received, before letting them start work on your car.

Find an Utah auto repair mechanic who tells you the best ways to keep your car from needing repairs. Regular automotive maintenance is the best preventative measure a car owner can take. It will preserve your cars life and save you thousands of dollars with auto repairs.

A reliable Utah auto repair mechanic will let you know the time period or maintenance intervals that are recommended for your car. It is a good idea to keep your vehicle’s manual so you can compare their recommendation for proper service intervals for your automobile. Educate yourself when your car needs to be brought in to the shop.

Auto mechanics can work with dealers or independently. Independent auto mechanics can be a cheaper alternative to dealerships. They should be able to offer dealership auto quality, but at a less expensive price.

Keep a record of any services or repairs that you do. Keeping them handy can help you when taking your vehicle in to an auto mechanic. If you know it has been a while since you’ve had it in the shop, you are going to be more likely to take the car in if you are questioning a problem than if you took it in a month prior.

These are only a few things you can do to find a reliable Utah auto repair mechanic. Choosing a mechanic wisely can save you a lot of money in service bills. Continue to keep on top of your auto repairs and maintenance so you can save money further down the road.

Master Muffler is Utah’s leading muffler, brake and auto repair shop, and has 13 locations from Brigham City to Provo. Visit or call one of their locations for a free quote on how to improve your miles per gallon up to 30% for your car, truck or van. Visit their website at http://www.mastermuffler.net.

Article Source: http://EzineArticles.com/expert/Stephan_Marking/399879

 

Aftermarket Auto Parts Vs Used OEM Auto Parts Vs Brand New Discounted Parts

Alright! The worst thing has happened to your car and that worn out / damaged part needs a replacement. What is the first thing that comes to your mind?

I am sure it would be, “how do I get a replacement part that fulfills the need at the lowest possible price?” And believe me; most sensible people would think the same way.

Let’s face it; nobody likes to spend big bucks on car repairs and part replacements. In fact, if given a choice, nobody would even want to be in a situation where his/her car needs a repair or a replacement part.

This is basic human nature and we all exhibit it. As far as I am concerned, I would rather spend extra money on a fancy car stereo than go for a costly replacement auto part. I would any day prefer the cheapest possible repair or part replacement that does the job and so would you unless you are a celebrity and money sticks to you like a shadow.

So what are the options you can consider if your vehicle needs a replacement part?

In the current market scenario, we have 3 major options namely:

  • Aftermarket Parts
  • Used OEM Parts
  • Brand New Discounted Parts

Let’s discuss the pros and cons of each so that we can make a decision.

Aftermarket Parts for a vehicle may be defined as auto parts made by a manufacturer other than the original vehicle manufacturer.

But that is not necessarily the correct definition as most vehicle manufacturers do not make all the parts themselves. They may ask a different company to manufacture a certain auto part for them. In that case, the first definition would not hold true.

I believe the following example would make the concept clear.

If you are fitting an Air Filter in your ABC car and that Air Filter is not manufactured, not considered a standard fitment (stock option) and not recommended by the ABC Company, it qualifies as an aftermarket part as far as ABC Company is concerned. In that case, all warranty from ABC Company for your ABC car is void.

That is not the only consequence of fitting aftermarket parts in your vehicle. These parts are not tested for compatibility with all makes and models of cars. As a result, an aftermarket part may not function properly in your car leading to unforeseen problems. For example, an aftermarket Air Filter can harm you car engine if it is not compatible with your car model resulting in low engine-efficiency or perhaps total engine damage.

Aftermarket parts don’t necessarily confirm to laws and regulations for quality and performance. For Example, aftermarket headlights may not confirm to the local regulations in your state or perhaps your aftermarket engine does not meet the emission standards in your state. It is imperative that you ascertain correct details and features of an aftermarket part before you purchase it.

Depending on factors like quality and brand-name, an aftermarket part can cost less, equal or more than a brand new OEM part.

A good quality aftermarket part manufactured by a company specializing in a particular domain qualifies as a performance enhancing auto part and usually costs more than what a brand new normal OEM part would. Unless you are willing to shell out money on car customization, you don’t need to tread that path.

One truth about aftermarket parts holds good even today; “use it at your own peril.”

Used OEM auto parts for a vehicle are manufactured by the same manufacturer that made the vehicle. The only factor being, these parts are not brand new. They have been used before, probably in another vehicle of the same make and somehow found their way to a scrap-yard or salvage-yard.

In this case, a fact that one should consider before purchasing a used auto part is that used parts from a certain ABC car most probably will fit only ABC cars of the same model and year as per company standards. This is because manufacturers might introduce slight changes or enhancements in auto part designs and specifications every year for any particular model.

Since all OEM auto parts from a particular car manufacturer are of the same quality and tested for optimum performance by the manufacturer, you don’t end up making any compromises on this front. Remember, this is not the case with aftermarket parts.

Used auto parts could be your best option in terms of cost-effectiveness and quality provided you select the correct auto part online and buy it from a recognized seller only. The advantage of buying from established sellers is that you get original quality tested parts at low prices and usually with no shipping charges.

The only worrying factor about used auto parts may be about their history. The part could be salvaged from a car that got destroyed in an accident or perhaps from a car that was scrapped after serving a lifetime. Then there are also some used auto parts available that were used by the original manufacturer for testing purposes.

Whatever be the history of the part, you can get a confirmation from the seller over the phone before buying. Major used auto-part dealers exercise quality control by maintaining a log about the condition and history of a particular auto part so that the customer knows about the exact age and origin of the part he/she is buying.

Moreover, vehicle’s manufacturer warranty does not get nullified if you install a used OEM part in your vehicle.

Used auto parts are the most cost effective out of all the three options since they cost just about one-third the price of brand new OEM auto parts.

Brand New Discounted Auto Parts probably don’t need any description. These are brand new auto parts sold at discount prices. Definitely a great option but these are not available everyday and at every store. In fact, they are available occasionally and at the sole discretion of the dealer. If you are lucky enough, you might find the part you need on discount but as is the case usually, the parts that are sold at a discount are the ones that have the least demand. Hence, if you desperately need a brand new replacement part for your car, you might have to wait till it is available at discount prices.

To conclude, you can choose any of these options depending on your need and suitability but please remember that in the case of repairs and part replacements, you should take a step only after weighing the pros and cons of each available option.

Happy Motoring!

James Rodham

www.QualityAutoParts.com

This article is dedicated to help all you car owners in your search for quality replacement parts for your vehicle. I intend to maintain this as a platform where car enthusiasts can share all the information that would help people regarding all their auto-part needs.

Article Source: http://EzineArticles.com/expert/James_Rodham/556548

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.