Defective Car Parts: A Result of Manufacturers’ Negligence or Carelessness

By on 1-22-2014 in Automobiles

A car accident is always a traumatic experience to those involved, especially when there is injury sustained. And what usually follows injuries is financial burden due to unexpected, costly medical treatment and lost wages, an effect of failure to report to work.

The National Highway Traffic Safety Administration (NHTSA) has identified over speeding, reckless and drunk-driving as among the top causes of car accidents in the United States; car accidents also happen to be one of the leading causes of death around the globe. But there are other causes of car accidents that have been identified by the NHTSA, as well as by other government agencies and private sectors, besides the three mentioned, which are all within drivers’ control.

These other causes include road or highway defects and defective car parts which, in turn, fall outside a drivers’ control. Defective car parts, particularly, post great risk to the safety of the driver and his/her passengers. Unless the defective part is readily visible or the vehicle owner (or his/her driver) has extensive knowledge about cars, then such defect may be traced and identified before it causes any harm.

Such is not the case, however; and many become victims of gruesome road mishaps due to these defects. Among the most common car parts that have caused severe injuries are airbags, tires, seatbelts and brakes.

Accidents due to car defects are also quite hard to prove. It will require both extensive and intensive investigation about the accident and plenty of evidence, more than just the testimony and arguments of the driver. And since you’re up against the car part’s manufacturer, who has the money and who will readily be defended by an attorney, saying that it will be a tough battle to fight is an unfair description.

Pregnancy Discrimination: Another Form of Sexual Discrimination in the Workplace

By on 1-15-2014 in Business and Employment

Discrimination in the workplace is a saddening reality in the United States; but more so in many other parts of the world. Probably, one major difference that sets the U.S. ahead of many other countries in ending all forms of employment discrimination is the nation’s implementation of various anti-discriminatory acts and the will to enforce these laws, bringing to justice all violators and compensating those who are made to suffer.

Employment discrimination has many different forms and may involve even people not employed in the company. Though employers, managers, direct supervisors and co-employees are the usual people guilty of discriminatory acts, such acts can also be committed by the company’s customers or clients. And the harmful or offensive act may be based on a person’s race, color, sex, religion, sexual inclination and affiliation, age, disability, genetic issue or pregnancy.

The U.S. Equal Employment Opportunity Commission (EEOC) of 1964 was approved by the US Congress in July of 1964, to protect employees (and job applicants) from the many different forms of employment discrimination. The EEOC has been amended many times to create specific stipulations that will safeguard employees’ particular concerns in more emphasized ways. One of the amendments made is the Pregnancy Discrimination Act, or PDA, which was enforced in 1978; the Act made clearer the prohibition of discrimination based on sex, pregnancy, childbirth, and all other issues, especially medical, that are related to the mentioned bases.

PDA specifically forbids discriminatory acts due to pregnancy when it concerns hiring, compensation, benefits, like health insurance and leaves, job assignment, training, promotions, firing, layoff, and all other employment-related concerns.

Prior to the passing of the PDA, pregnant employees were usually issued with a pink slip; they were shown the door (by their employers) soon after they start to manifest their condition. At other times, though not related to pregnancy, but on winning child custody, which means possible time away from work due to a need to nurse their child or attend to their child’s concerns, some women are begun to be treated differently to make them feel that such change in their lives is neither wanted nor appreciated.

Thousands of employment discrimination cases are filed with the EEOC every year and many of these cases involve discrimination due to sex and pregnancy – quite courageous acts by employers who strongly assume that their authority will save them from their illegal acts.

The stronger challenge, however, is upon the victims of these unjust workplace practices; they can either keep silent, allowing these injustices to continue, or they can fight these head on, taking courage from the law, which is on their side, and helped by a strongly determined, knowledgeable lawyer, who will never shrink in fighting for their legal rights. If you are looking for a new hire employee testing, contact a pre-employment testing center today.

No-fault Car Liability Insurance and the SR-22

By on 1-11-2014 in Automobiles

Due to the more than five million car accidents that occur in the US every year, all states, with the exception only of New Hampshire, has mandated that all drivers carry insurance liability coverage. This liability coverage is intended to cover medical cost for bodily injury or repair of damage to property (such as another car of a fixture on the road) where the insured driver is held to be the cause; it is also mandated to ensure protection other people and their properties.

With drunk driving, reckless driving and over-speeding as among the top causes of car accidents on U.S. streets and roads, ensuring the protection of possible innocent accident victims, whose safety on the road   is compromised, is only just and proper.

It is a fact also, however, that many times even the negligent or careless driver suffers severe injuries and his/her vehicle, incurring major wreckage. For this, the no-fault auto liability insurance was introduced, a type of coverage wherein the injured driver’s insurance provider will cover all his/her accident-related losses, even if the accident was totally the fault of said driver.

Covered under the no-fault insurance are lost wages due to missed working days, cost of medical treatment and cost of damage to property; payment to all these is called personal injury protection or PIP.   The victim have the option to still pursue further payment for damages to property, but this will have to be done through a lawsuit.

Another great thing about no-fault car liability insurance is its premiums costs lower compared to at-fault insurance premiums because there is no longer any need for court proceedings, which is only intended to determine who the liable party is in the accident.

Drivers with multiple traffic violations in just one year, who have been charged with DUI/DWI or who have no insurance liability coverage (in states where this is required), aside from getting their state-mandated insurance, will also need to obtain and fill out an SR-22, a document that proves the possession of a vehicle liability insurance.

According to an article posted in Insure on the Spot’s website, an SR-22 is actually a form submitted by insurance providers to a state’s Department of Motor Vehicles (DMV) office, for the purpose of having the suspension on the driver’s license lifted; it is only through the lifting of the suspension can the driver enjoy his/her driving privileges again.

Freight Factoring Firms – Trucker’s Perfect Partners in the Trucking Business

By on 1-07-2014 in Automobiles, Business and Employment

For business owners, how to increase or maintain high profit annually is often a great challenge due to the unpredictability of the economy. This is why many resort to various means just to keep the business going and improvements, continuous, to be able to keep a competitive stance. While some companies only prefer cash transactions, many others have considered accepting credit, despite the risks it presents.

Trucking is one type of business (to see business type’s, click here) that experience delay of freight bill payments either from brokers or shippers. Often, owners wait to be paid up to a maximum of 60 days for a service that they have already rendered. A risky condition for truckers, even for successful ones, as there’s no telling what negative effects this delay can result to; the worst can probably be bankruptcy, if this failure to ensure timely flow of cash becomes quite often.

The introduction of Freight Factoring is a big help to truckers all over the U.S., more so to those with small trucking firms or those who are new in the business. Factoring, or accounts receivable financing, is, specifically, an asset-financing arrangement that allows a company with receivables (money that still need to be paid by clients) to use such receivables as collateral in a financing deal.

This factoring program is intended to help truckers get the cash necessary for the smooth flow of their operations. It is a simple process that will benefit trucking business owners a lot; the deal is simply an exchange of cash (from the financing or factoring company) and accounts receivable (from the trucking firm). The amount of cash paid to the trucking firm is a bit lower than the amount of the accounts receivable, of course; but that’s how the business works. The advantage for the trucking firm is that in the event that the broker or shipping company that owes the trucker money does not actually pay, it will no longer be trucker’s concern. Such burden will already be upon the factoring company which has already paid the trucker in advance.

On the website of TBS Factoring Service, two factoring programs are offered, most probably the same programs offered by other factoring companies. These are the Non-Recourse program, wherein the factoring firm takes the credit risk, and the Recourse program, wherein the trucker maintains the credit risk.

Through factoring firms, truckers get to be saved from worries of payment collection or non-payment services rendered. They can, instead, focus on running their business for smoother operations.

Little Medical Mistakes Can Eventually Lead to Severe Patient Harm

By on 1-04-2014 in Health & Beauty, Injury

Quality medical care can very well be the basis of right diagnosis, correct and accurate medical procedures and effective medication and treatment that patients expect from doctors and all other medical professionals.

Patients deserve nothing less than the best, timely care from medical professionals and, as much as possible, the most effective medical solution for their health complaints. Ravid & Associates, P.C., states it best in an article posted in its website, saying that medical professionals have the enormous responsibility of performing their duties only with the “highest possible level of care.”

All states in U.S. have been given authority to protect and ensure the general welfare, safety, health, of all its residents. This is why each state’s medical licensing board makes sure that only those who pass its standard are given the license to practice medicine and provide medical treatment.

Despite the rigorous training undergone by doctors and medical personnel, however, medical mistakes still happen and, in many hospitals, cases of malpractice only continue to rise. But rather than being caused by lack of knowledge on what to do or how to treat a patient well, the mistakes are caused by acts of carelessness or negligence which are actually due to exhaustion, miscommunication, failure to relay vital information about the patient, and others.

Often, many health professionals and personnel are required to work off the clock, being asked to render hours of service beyond their regular shift. Thus the lack of sleep and exhaustion sometimes lead to mistakes that go unnoticed, getting discovered only when the harm these have caused have become evident.

Harm may include poor recordkeeping, injecting into patient a wrong solution, failure to administer timely treatment to a patient, harming a patient with a medical tool by accident, giving patients the wrong medicine or administering the needed medicine at incorrect intervals and failure to correctly sterilize medical or surgical tools – things that seemingly do not really matter, yet, in reality, can lead to unfavorable incidents.

Medical mistakes, especially serious ones, can lead to the cancellation or suspension of a medical license. Besides such, there will also be the legal responsibility to compensate the patient for whatever present and future financial losses he/she will be subject to.

Saving lives does not happen in the surgery room or emergency department only – it begins with the record made about a patient, which will be the basis of all future tests, treatment and medication. Thus, the highest quality of care, nothing less, is required and expected every step of the way.

Enhance Your Facial Appearance through Rhinoplasty

By on 1-02-2014 in Health & Beauty

In 2012, at least 10 million individuals underwent Cosmetic Surgery procedures in order to enhance their physical appearance, reconstruct a part of the skin that has been damaged or injured, or improve a physical imperfection. This latest obsession, which many more Americans are predicted to pursue in the coming years, has also caused a tide of shift to a new field among a great number of medical practitioners: from medical surgery to cosmetic surgery – the best way to remove wrinkles, revitalize burned skin, augment breasts, re-shape one’s nose and many more.

One procedure that half a million individuals are recorded to inquire about every year is rhinoplasty, also called nose job or nose re-shaping, considered by surgeons as the most intricate, yet artistic, cosmetic surgery procedure. There are different reasons why people have their nose re-shaped; it could be to enhance their facial appearance by changing its size, tip and/or width at the bridge or to improve breathing. In addition to these, an article in the website of Bergman Folkers Plastic Surgery also mentions removal of a rise or bump on the nose, the need to either decrease or increase the nostril’s size or correct a turned septum that obstructs breathing. And since the nose occupies the middle area of the face, its shape and size, therefore, greatly impact one’s appearance. This facial enhancement, according to the American Society for Aesthetic Plastic Surgery (ASAPS), was the fifth cosmetic service that had the most number of clients in 2012.

To be a licensed rhinoplasty surgeon, one is required to undergo special training in Otolaryngology (neck and head surgery) or Plastic and Reconstructive Surgery. This is due to the intricacy and sensitivity of the process, as well the possible severe side-effects (some of these may be postoperative nose bleed, infection, swelling, numbness, external scarring and residual deformity) in the event of errors by an incompetent surgeon. Thus, during consultation with a surgeon, it is important that you inquire about his/her Board Certification.

Rhinoplasty is completed within the day. Some surgeons ask their patients to bring photographs of the specific result that they want, to make sure that everything is done according to how they envision their nose to be.

To ensure that the patient would not be suffering from any pain on his/her way home, a numbing agent, with long-lasting effect, is used right before the end of the procedure. A support is also put on the nose for about a week long.

During days of recovery, it is also important that the patient does not blow his/her nose and that no excessive force is applied to the surgical wounds. He/She need not worry when his/her nose becomes swollen for some days, as this is a natural result of the procedure. In a number of cases, the need for post-surgery touch- up is necessary, especially when the nose swells during the procedure.

Before and after the surgery, it is important that you follow everything your physician tells you on how to care for yourself. You will also be made to sign a consent form as a guarantee that you understand the procedure, the risks and the potential complications associated with it.