Every year, around 10 million Americans become victims of a crime called identity theft – to thieves who wipe out their accounts through purchases of many different things. The end result is always damaged credit and a huge debt owed by the real person who owns the account. Identity theft has been committed for so long, but never before have identity thieves had the greatest ease in stealing personal information, than now, due to the Internet, which makes communication and the exchange of information so much faster. This means that your social media page and smartphone are never safe.
Identity theft, which is a major threat to many individuals and businesses, refers to the illegal acquisition and use of someone else’s personal information for economic gain. More than $50 billion in losses from as many as 10 million working Americans are recorded every year; almost the same sum spent by U.S. firms in thwarting attempts of identity thieves from gaining (unauthorized) access to their files and data banks.
Battling identity theft requires companies, especially those possessing information about personal and business accounts, to come up with a serious and solid program that will render them capable of easily and immediately detecting and stopping this crime. To step up the fight against this illegal activity, the Fair and Accurate Credit Transactions Act (FACTA) was enacted by the New Federal Trade Commission (FTC) to enforce the conduction of an Identity Theft Prevention Course (ITPC) to business firms. The ITPC is designed to train employees assigned in handling consumer information in Red Flags Rule.
The Red Flags Rule is a warning sign intended to help businesses recognize, minimize and prevent damages caused by identity theft. It forms part of the FTC-required Identity Theft Prevention program, which is a set of printed guidelines that creditors (with covered accounts) and financial institutions ought to execute. Covered accounts, on the other hand, refer to consumer accounts that allow payments or transactions; examples of these accounts are checking accounts, savings accounts, credit card account, mortgage loan and automobile loan. Through this red flags rule, companies are expected to see through the patterns and tactics employed by identity thieves in the performance of their crime.
Being charged with identity theft, which is one type of white collar crime, is a serious offense and can result to damaging effects to the individual’s or business’ reputation and future. Thus, according to Westchester criminal attorneys, a very strong representation is necessary to protect oneself from a conviction that can definitely damage his/her future personal, community and professional life.
Road Defects and Auto Accidents
One of the most common causes of car accidents is driver error. This is understandable, because after all, drivers are the ones controlling the vehicles so they cannot blame anyone else. But there are instances where they do have grounds to blame someone else, like when there are defects on the road and they can make the jurisdictions responsible for its maintenance or the construction companies responsible for its construction accountable.
According to the website of this Philly car accident attorney, car accidents caused by road defects can be complicated, because they are typically against government entities. But how can car accidents really occur because of road defects? Below are some of the most common defects.
Defects on the Road
Defects can either be on the road itself or around it. On the road itself, the defects typically involve faulty design and lack of maintenance, such as on the following cases:
- Absence of crosswalks and other pedestrian-friendly features
- Dangerously abrupt curves and turns, especially on elevated areas
- Debris left on the road, such as rocks
- Drainage problems, resulting into rainwater, snow, and ice buildup
- Faded white and yellow lines
- Lack or inadequate use of dividers
- Potholes, cracks, and other uneven surfaces
Defects around the Road
Road safety is not just about the road itself, but also about the materials that complement road effectiveness. Defects around the road often lead to right-of-way issues and other similar problems. Below are some of the most common defects around the road:
- Buildup of foliage and other materials that can affect visibility
- Incomprehensible road signs and warnings
- Lack or inadequate use of barriers such as guardrails
- Lack or inadequate use of street lighting
- Malfunctioning or totally broken traffic lights
What You Can Do
Not because you have legal grounds against responsible parties it already means that you can do everything you want, because the best way to avoid accidents, hospitals, and courts is still safe driving. Follow traffic rules, be wary of reckless drivers, and be alert of possible dangerous conditions such as those mentioned above.
Truck Accidents: Always a Potential Cause of Death
On May 29, 2013, near Syracuse, New York, a truck’s trailer came loose and crashed into an approaching minivan; of the minivan’s eight passengers, seven were killed – four children, with ages ranging from 4 – 7, and three adults.
A week earlier, on May 24, somewhere in Washington state, a truck rammed into a bridge’s support beams, causing one area of the bridge to collapse and sending cars, with their drivers inside, into the cold waters of the Skagit River.
In the accidents mentioned above, the truck drivers were perfectly safe; the victims, however, were either dead or severely injured. This is a usual result of motor vehicle accidents were trucks are involved. Due to the size of trucks, as well as the much heavier materials these are made of, losses (whether lives and/or properties) are always on the side of much smaller, or slower, vehicles.
Every year, about 4,500 deaths in accidents that involve trucks are reported to the Department of Transportation. The U.S. DOT, with the Federal Motor Carrier Safety Administration (FMCSA) and each state’s department of transportation, which has its own set of laws that govern the trucking industry, work together to lessen truck accidents and make U.S. roads and highways safe, especially for all motorists.
Besides laws that mandate trucking firms to ensure that trucks are always in good condition (requiring regular checking and maintenance of these huge vehicles), laws are also imposed regarding the hiring and training of truck drivers (including mandates to keep drivers, who lack the skills required in operating a truck safely, off the road). Laws also specify the maximum number of hours that drivers are allowed to drive continuously and the total number of hours of rest they should be given.
The blood alcohol concentration (BAC) limit for commercial drivers has also been set to 0.04%, while on January 3, 2012, a mandate on the total banning of cell phone use (which included reaching for, holding or dialing a cell phone) was passed. This was followed, a year after, by a law, which required the use of a Bluetooth headset, a safe way of taking and making calls without losing one’s focus on the road.
The laws were specifically intended to address the identified major factors that caused truck accidents – driver fatigue and sleepiness, drunk-driving and distraction due to cell phone use. There are many other laws and standards imposed by the government to make roads safer from trucks, as truck accidents almost always lead to catastrophic results. If involved in a truck accident, victims should seek the help of a personal injury lawyer.
According to the the Mokaram Law Firm, “personal injury can an unfortunate reality for millions of people. While many cases of injury are a result of accidents, a large portion are borne out of the negligence of a third party—whether it be a business, institution, government entity, or careless individual, there are societal expectations to act in such a way that is mindful of others’ safety. When this duty is ignored, the threat of severe injury is significantly increased. The ramifications of personal injury extend well beyond physical and emotional suffering; costly medical bills, missed time from work, lost wages, a prolonged recovery period, loss of enjoyment of life, and the potential need for physical and psychological therapy are factors that will likely have to be accounted for in the event of a personal injury.
The tort law, under which personal injury is classified, can be more than complicated to the victims and their families. Allowing a highly-qualified and competent lawyer to represent victims is, sometimes, the only means to enable victims to merit the compensation that they legally deserve.
Carpal tunnel syndrome is one of the many medical conditions known to be associated with repetitive movement. Common in many workplaces, carpal tunnel syndrome or CTS is particularly caused due by the compression of the median nerve in the area where it passes over the carpal bones in front of the wrist. It’s characterized by symptoms affecting the hand and wrist, like pain, sensations of numbness, tingling, or burning, as well as a weakened grip.
Most people associate carpal tunnel syndrome with occupations that require a lot of computer usage, such as data-entry clerks and typists. However, carpal tunnel syndrome is also common for those working in assembly lines and other positions that require, as the Mayo Clinic puts it, prolonged and repetitive wrist flexing. According to Scudder & Hedrick, PLLC, other workers at risk of developing carpal tunnel syndrome include tailors, seamstresses, meatpackers, and janitors.
Carpal tunnel syndrome is diagnosed through a series of tests. Individuals experiencing CTS symptoms, particularly when performing even simple tasks like holding one’s home or gripping the stirring wheel of a vehicle, are advised to see a doctor right away. Diagnosing carpal tunnel syndrome comes after a physical examination, x-ray, electromyogram, and a nerve conduction study. Both the last two tests involve using electrical impulses to see how specific muscles react.
Depending on the severity of the symptoms, treatment for carpal tunnel syndrome might require surgical and nonsurgical options. Milder symptoms can be solved by wearing a wrist splint to minimize movement, along with taking over-the-counter anti-inflammatory drugs like ibuprofen. If this doesn’t work, a doctor might opt to inject corticosteroids into the affected area to reduce swelling and relieve pain. Meanwhile, more severe cases will have to be solved through surgery. Carpal tunnel surgery involves cutting the ligament pressing into the median nerve in order to relieve pressure.
Car manufacturers are expected to implement the highest standards in ensuring the safety of their automobiles. A National Highway Traffic Safety Administration report revealed that 2014 saw the highest number of vehicle recalls in the last three decades. When buying a car, people have the assumption that the vehicle is safe when used. The website of Pohl & Berk, LLP reveal that unsafe automobiles can cause serious injuries to drivers.
There is a wide variety of car defects that can cause serious injuries to drivers when not checked by the manufacturer. It is the job of manufacturers to recall their vehicles when it is deemed defective. Automotive defects can be incredibly serious and may cause fatal injuries to drivers and their passengers. Here are some of the most common defects reported in automobiles:
Airbags are designed to protect drivers from serious injuries or death during a crash. When this safety device fails to deploy, it would result to the driver getting injured or getting killed which defeats the purpose of what it was designed for.
Malfunctioning Door Latch Mechanisms
Recent automobile recalls have been due to doors not latching properly when locked. Defective latch mechanisms may cause the door to fly open unexpectedly. When this happens, passengers may be ejected from the vehicle and get seriously injured.
Larger vehicles such as SUVs and vans are prone to prone to rollover accidents due to a higher center of gravity. According to the Insurance Information Institute, rollover accidents accounted for 35% of all driver fatalities in 2010. However, cars are also at risk of rollover accidents depending on road conditions, driver behavior, and other factors.
Roof Crush Accidents
Roof crush accidents are related to rollover because they should provide ample support for the full weight of the vehicle. Manufacturers should conduct extensive testing to ensure that the roof of a vehicle is structurally sound and can provide occupant survival space during a rollover accident.
Tire Belt Blowout
Tire belt blowouts are caused by a sudden and unexpected loss of air pressure in their tires. This causes the tire to flex beyond its elastic limit and separate it from the inner lining of the tire. This will cause the driver to lose control of their vehicle.
Black boxes are synonymous with airplanes, but these electronic sensors are fast becoming useful in today’s motorists. This is because of the long-standing desire to drive vehicles that have electronically-controlled systems. Black boxes in cars serve important purposes, because they can provide vital information needed to investigate accidents.
There are many ways that block boxes in cars and other vehicles can help in preventing car accidents and protect the passengers inside. Those who have electronically-controlled systems can allow for smoother and more stable vehicle operations. These black boxes help in the deployment of air bags, and records incidents of deployment and non-deployment. Such safety features play a vital role in protecting passengers and even save them from serious injuries following a car accident.
Aside from air bag deployment, the car’s black box also has the ability to record informational data of the vehicle while on operation, namely the brake status, vehicle speed and engine condition, the throttle position, and whether the driver and passengers were wearing their seat belts. These are very important details when investigating a serious car accident because it can greatly affect the outcome of a personal injury or car accident claim.
Among the important things to consider when filing a personal injury claim is whether there is negligence that caused the injuries. There are states the follow certain rules that can refuse a personal injury claim if both parties contributed to the accident and injuries. this is the reason why it is important to first talk with your personal injury or car accident attorney to determine whether you have a strong claim or not. According to Williams Kherkher, personal injury claims, especially those that go to court, can be long, tedious, and expensive. If you believe you have a strong cause and the damages is significant enough to file a case to court, then consult with your attorney on how to legally proceed with your claim.
Spinal cord injury is any damage to your spinal cord, a bundle of nerve enclosed within your spine. Spinal cord damage is often regarded as a life-changing injury, because individuals living with this condition often suffer from permanent changes in their muscle strength, body functions and sensations.
There are many possible causes of a spinal cord injury. For instance, the website of the Providence car accident lawyer of the Law Offices of Ronald J. Resmini, LTD., says that car crashes are among the many possible causes of a spinal cord injury. Pedestrian accidents, motorcycle crashes, and even slip and fall in an unsafe workplace or in someone else’s property could also result in irreversible spinal cord injury.
A damaged spinal cord can hurt you for life. For most people, having this condition profoundly affected their personal and career lives. Because paralysis of the affected body part is oftentimes the result of a spinal cord injury, living with a damaged spine could affect how you do things independently. Holding your utensils or going up the stairs, for instance, could become laborious tasks that you would the assistance of someone else. In some cases, a spinal cord injury may even take your capacity to earn a living.
Apart from compromised mobility, a person with spinal cord damage may suffer from nerve and muscle-related complications. Loss of bowel and bladder movement, for instance, is common for those with this condition. A person with a damaged spinal cord also has poor control in his respiratory system, making it more difficult for him to breathe and expel mucus, making him more prone to lung diseases. Poor control of the circulatory system may also arise from a damaged spine, making the patient more prone to low blood pressure, blood clots, and pulmonary embolism.
A person with irreversible spinal cord damage needs the support that they need not only from his doctors, but also from his friends and family. Available treatment options should also be discussed to him to help him cope with his disability and regain his control.
In the event of a car accident, the at-fault driver’s car liability insurance provider would be the injured driver’s first source of compensation for all the damages (he/she would suffer) resulting from the injury – this is if he/she lives in a tort state. In no-fault states, however, a driver’s own insurance provider pays for his/her medical treatment and lost wages no matter whose fault the accident is.
Car liability insurance, whether the traditional tort-liability policy or the newer no-fault policy, provides those who get involved in road accidents with the much needed financial safety net; this is why all US states, with the exception of New Hampshire, declare it mandatory for all drivers.
Under a tort-liability policy, physical injuries and damage to property (like vehicle, fence or house) are covered by the at-fault driver’s bodily injury liability policy and property damage liability policy, respectively. A no-fault policy, however, while covering a policy holder’s own medical treatment and lost wages, does not pay for damage to property. For this coverage, the policy holder will need to purchase a separate property damage liability insurance, which will cover any property that he/she may damage in an accident.
There are currently 9 states which require the no-fault system: Utah, North Dakota, New York, Massachusetts, Michigan, Minnesota, Kansas, Hawaii and Florida. The states of Kentucky, New Jersey and Pennsylvania are known as the “choice states” as these allow their drivers to choose between the tort and no-fault car liability insurance policies; all other states require the tort-liability policy.
Despite the car liability insurance being a mandate, 1 in every 8 drivers in the US remains uninsured, according to the Insurance Research Council. Thus, for an insured driver’s assured protection (if ever he/she figures in an accident wherein the driver at fault is either uninsured or underinsured) as many as 20 states and D.C, require Uninsured / Underinsured Motorist coverage to all its drivers. These 20 states are Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia, Wisconsin and Illinois.
Each state determines the minimum amount of UM and UIM coverage that drivers should carry. In states where UM and UIM coverage are not required, drivers are free to purchase these from their insurance providers.
Uninsured motorist coverage, which refers to the (total) absence of coverage on a vehicle, is designed to cover all economic losses and damages due to accidents involving an uninsured driver, a stolen vehicle and, in some states, an unidentified hit & run. Underinsured motorist coverage, on the other hand, refers to the inadequacy of the policy limit of the driver at-fault to pay for all the damages suffered by the victim.
In no-fault states, colliding with a driver, who is uninsured or underinsured, may not really present a big problem since claims are filed by each driver with their own insurance provider. Uninsured/Underinsured motorist coverage, however, will provide the innocent victim the extra financial protection which he/she may still require to fully recover from the accident.
Many law firms provide information which drivers, who figure in accidents that involve other drivers who are uninsured or underinsured, may find really helpful. The web address www.pohlberkattorneys.com has more information on this topic.
The springtime is a celebration of rejuvenation and rebirth. The weather warms and the sun slowly coaxes life back into nature. There’s no better time to enjoy the beautiful landscapes of the City of Lakes than when the flowers come to bloom and the wildlife comes out of hiding. Madison, Wisconsin is especially breathtaking during spring, and you can expect a wide variety of attractions and activities that will allow them to enjoy the pleasant surroundings.
One of the most important springtime attractions in Madison is the Dane County Farmers’ Market. Situated right in the heart of the city at Capitol Square, the market is a place where tourists can sample the very best of local food and produce. As the largest producers-only market in Madison, you can be assured that they will get to buy and consume great quality vegetables, fruits, meats, cheeses, and more.
There are also a host of outdoor activities that you can take part while enjoying springtime in Madison. Since the city is home to one of the most extensive bike trails in America, you can take in the sights and get some workout by biking through the sprawling area. There are several places like Madison B-cycle and Machinery Row Bicycles where you can rent the equipment you need. You can also ride your bike through the University of Wisconsin’s Arboretum or through the other 260 parks in the city.
Another way to enjoy the outdoors is by making your way to Madison’s crowning glories. Commune with nature and enjoy the weather by visiting the five lakes that surround the city—Mendota, Monona, Waubesa, Kegonsa, and Wingra. You can ride a boat and cruise through Madison’s waterways or visit one of 13 beaches for a swim.
Finding the right managed storage unit can be overwhelming, especially for someone who is an amateur in such dilemma. In order to understand which storage unit will best work for you, try considering some of the factors listed below to get the best services.
- Don’t settle for storage facilities that are near your place. Finding a storage facility further from your current location can actually help in saving you money and possibly provide you with better storage services. Storage units offered further from heavily populated areas such as urban and suburban areas can offer better deals than those closer to home. When it comes to storage units, cheaper prices are not always the best options.
- Know that gate hours and office hours are different. Gate hours refer to the span of hours you are given to have access to your unit, while office hours mean the span of time personnel are available. This means if the office hours are shorter, you might have a problem when you need their help.
- Use the internet to find and read reviews of the storage facilities. See if they have happy renters and positive feedback. This is vital in ensuring the safety of your items. Steer clear of storage facilities that have recurring negative feedback, and understand what other renters are saying so that you will know what to look for and ask when visiting the facility.
Although it might seem favorable for you to find a storage facility that is nearer, the service and security may not be sufficient to guarantee your items stay safe. Furthermore, if you are storing documents or items that are sensitive to changes in temperature, then a climate controlled self storage 78729 may be the best option for you to preserve the quality of your items, whether you just want to preserve them or plan to sell them later. Think about the things that you are planning to store and the cost of each storage space.