When to Contact a Motorcycle Accident Attorney

Are you a motorcycle rider? If so, you need to know that there is a saying that it’s not if you’re going to have an accident, it’s when. There are two kinds of cyclists – one who has had an accident, and one who hasn’t had one yet. Not very encouraging if you get around on two wheels.

If the inevitable has happened, and you found yourself sprawled along the asphalt, chances are that you have suffered pretty significant injuries and probably have lost your bike as well. This is about the time to consider seeing a motorcycle crash attorney.

Hopefully, there was a police report taken, and witness statements given. Medical records will be helpful, as well as the insurance claim information. These will all be a vital part of the case that your motorcycle accident attorney will use to establish your case. Dealing with the insurance companies involved, both yours and the other parties’ as well is a major undertaking. This is what the staff of your motorcycle injury lawyer will coordinate and gather information on.

Due to the fact that cycle riders are very vulnerable, the injuries are frequently very serious, if not life-changing. Common injuries caused in motorbike accidents often include head injuries, internal injuries, broken arms, legs, and neck injuries as well. Many riders suffer from TBIs, otherwise known as Traumatic Brain injuries. The cost of medical for these types of injuries can be enormous.

If you do not have adequate medical insurance coverage, these costs can be personally catastrophic, often resulting in having to declare personal bankruptcy. It may be tempting to reach a quick settlement with the insurance company, but do not let fear rush you into a low settlement. Remember that it is the job of the insurance company to reach a low, quick settlement.

Remember that it is the job of your motorcycle crash attorney to represent you in the best way possible, and fight for the best settlement possible for you.

How to Get the Best Rates on Car Insurance in Maine

In Maine when you buy a new car you should be aware of one very important fact. You can’t register a vehicle in this state without showing proof of insurance. The insurance you purchase must include not only the legally required limits of liability insurance, and uninsured motorist coverage but $1,000 medical payments coverage too. If you don’t show the proof, you can’t operate the car.

All drivers in Maine have one important thing in common. Regardless of what type of car they drive and the level of car insurance they are looking for, they want to get the best rates in Maine. Many people make the mistake of buying a policy based on the first quote they receive. This is never a good idea. In order to find the best rates, you have to do some comparison shopping.

It’s a good idea to call several car insurance companies when you are searching for a new policy. The minimum number you should call is three but really the more the better. When you do call you’ll be asked to supply some basic information and from there the agent will calculate a quote for you. Be truthful with all the information you do give as you want the quote to be as accurate as possible.

Don’t neglect the insurance company you already do business with. If you have a homeowner’s or health insurance policy, that company may be able to offer you a great rate on car insurance in Maine. In fact, if you purchase car insurance from them, it may result in lower rates for your other policy or policies.

If you already have a car insurance policy in place, ask your agent about a renewal discount. If they realize that you are contemplating making the move to another vendor, they may be willing to offer you a better rate in order to keep you where you are.

Choosing a Bankruptcy Lawyer – Tips to Select the Best Service

Bankruptcy refers to a condition where one cannot meet one’s debt obligations. Filing for bankruptcy is a legal process that requires a bankruptcy lawyer. A bankruptcy lawyer will not only help you deal with the overwhelming process of filing for bankruptcy, but will help you financially secure your future.

It is true that a lawyer will cost you money and when you are already in financial trouble you might find it hard to get the extra funds. However, it is also important to remember that in the long run a bankruptcy lawyer will more likely end up saving you money, plus give you peace of mind.

Before you choose a bankruptcy lawyer it is best to keep in mind the following tips:

1. Do not go looking for a lawyer at the last minute. You might end up making a bad choice and your lawyer might not get adequate time to prepare fully.

2. It is advisable to spend a day in a bankruptcy court to get an idea of how things work and what you should be looking out for in a lawyer. You can also talk to debtors about their experiences with their respective lawyers.

3. Do not go for a lawyer simply because he/she is the cheapest. It is essential to have an experienced attorney.

4. Know how much it will cost you. Find out what is included in the lawyer’s fees and what is not.

5. Check out the law firm before you hire a bankruptcy lawyer. This will give you essential clues regarding how the lawyer will handle your case.

When you are choosing a bankruptcy lawyer, it is essential that you interview several of them before you make your decision. Go for certified and experienced lawyers. Choose a lawyer that you are comfortable with. If you have any question or doubt, make sure you clarify it with your lawyer. On your first visit itself; give a true picture of your financial status. You lawyer can help you only if you give all the details about your financial condition. This will help you financially secure your future.

Cheap Car Insurance

Finding good car insurance can be very difficult. Here are a few tips:

  • Try a few different insurance companies. Companies are different. So are their prices. You may find that one company wants to charge you $1000/month for insurance and another will only charge you $400/month. You might be one of the lucky ones who only gets charged $30/month. Regardless of who you are, call multiple carriers even if the first quote you get appears to be low. You may find another company with a lower rate for you.
  • Talk to friends and family. Other people are just like you, they want cheap insurance too. Chances are, you know someone who has already called all over the place and can give you some good pointers on which car insurance companies were the cheapest for them. Remember, nobody likes to spend money on auto insurance.
  • Use the internet. The internet is a great place to find auto insurance. You can find out information about insurance companies, compare rates, get quotes, and shop around without leaving your house. There are also websites out there like 1carinsurance.org who have organized insurance company data and user data and will tell you which companies people are having success with in finding the best car insurance [http://www.1carinsurance.org] for them.
  • Get auto insurance quotes. Don’t just trust them. Get a quote. They’re free (or, if the quote isn’t free you know you don’t want to use that company). If you can get quotes from 6 or 7 different companies, you then have hard data to compare the companies against each other. You’re also pretty sure you’re going to get the lowest rate.
  • Try local companies. Often times people only think about the big auto insurance companies like Geico or Progressive. They don’t even look around their local communities for auto insurance companies that might exist. Often local companies can offer cheaper rates because they don’t have the large buracracy that larger companies have.

Just remember to shop around as you look for cheaper car insurance. The first company isn’t always the best.

Online Car Insurance Overview

Development of the Web for the past decade drastically changed car insurance business. The Internet makes it easy to find required information to get the best deals and insurance rates. You don’t have to call your insurance agent any more, or visit their office to sign documents. All you need is a computer with an Internet connection.

Buying car insurance online has many advantages. It’s a good way to reduce your insurance costs and save time. You can instantly get auto insurance quotes form different insurance companies, so that you are able to compare prices. Usually, many people pay too much for their car insurance policy only because they haven’t enough time to shop around for the best rate. Now, this is not the case when you’re buying insurance policy online. You can always find a good online discount broker. There are lots of them offering quotes from a wide range of companies.

Search the web and you will find many companies offering online car insurance. But it can be more of a challenge to find a reliable insurer, offering cheap auto insurance. Progressive, TESCO, GEICO, Insurance Finder and Direct are among of them. They offer various types of discounts, flexible payment options and much more. You can visit their websites for more detailed information.

However, it can be mentioned that, there are several types of coverage they offer. Typical auto insurance policy consists of three separate types of coverage: property, medical and liability coverage. And most car insurance policies last from six months to one year. But before making a decision in favor of a particular insurance company, you should find out which one fits your needs best.

Why Should You Hire A Tax Attorney?

Taxes are NOT voluntary, the law stipulates that each entity, whether a business or an individual is required by law to file tax returns. Businesses must pay quarterly duties to the IRS. From the standpoint of accounting, taxpayers could use the services of both a tax attorney and a CPA to solve a demanding IRS issues. There certainly are an abundant supply of proficient accountants available and many of them will be able to assist with financial advice related to IRS taxation issues, however their familiarity of taxation laws may be limited. In order to get proper law information, you may need a lawyer and any reputable tax accountant should be able to give you a good referral.

How a Tax Attorney Can Help You

Services provided by the tax attorney falls into two categories.

Tax Planning: Because of the knowledge of duty laws, the tax attorney can help with your financial planning, to help you prevent future taxation difficulties. They will act as a consultant to advise you on the financial path that will be compliant with the necessary revenue laws.

Tax Disputes: A Tax Lawyer will represent your interests and safeguards your rights should you become involved in tax controversies. If you are already facing issues with the IRS or State Revenue, the tax attorney can assist you by resolving on going problems. It is possible that Tax Attorneys may be able to negotiate debt relief with the removal of liens and levies. They should also be able to arbitrate, reductions of penalties or interest. They would handle all negotiations with the IRS or government on your behalf. IRS tax attorneys are normally accredited lawyers who have been trained to focus on domestic or international taxation.With in depth knowledge of taxation laws, they are able to assist with counsel or advice on taxes. Because these professionals are experts at understanding and applying tax law, they can help you find debt relief to reduce the amount owed to the Internal Revenue, and can assist in setting up a payment plans to minimize debt obligations.

Services provided by a tax debt attorney include, but are not limited to negotiating repayment of taxes on your behalf. They are also able to provide assistance on most tax related problems. If you are deficient on your taxes, you should be aware that the policy for the IRS to encourage full payment of all tax debt, and also that there exacting instructions and administrative barriers, before they will accept an Installment Agreement.The services of an IRS tax lawyer is almost absolutely necessary when facing tax related issues such as an audit. Tax attorneys can act on your behalf in a number of capacities that may include negotiating your tax burdens,in property seizures and levies,wage garnishments and bankruptcy proceedings.

When To Hire A Tax Attorney:

The conclusion resolution to hire a tax attorney should be a simple one. Tax related problems can be avoided with the guidance of a proficient tax lawyer who can be maintained with a monthly retainer. Then, he or she can act in the capacity of an advisor, and you can be apprised of impending difficulties. Working together with your accountant, the tax lawyer, can ensure that your affairs remain compliant. The difference between a tax attorney and an accountant or CPA is often misunderstood or under appreciated. Not everyone will need to hire a tax attorney. If you hire an attorney, should you ever be audited and brought to trial, unlike a CPA or bookkeeper that can be called to testify against you in court, anything you say to them is completely protected by the lawyer and client confidentially agreement.

There are several reasons you may need to hire a tax attorney.

The most prominent reason to hire a tax lawyer, is being in difficulties with the IRS. Being audited and confronting the IRS can be traumatic for most of the initiated people.. It can indicate incompetence or ignorance in previous tax returns. Your tax attorney should be able to offer advice on the best legal solutions that may be available to you. Most people will only seek the help of a tax lawyer after difficulties arise and need tax debt relief. Others may wait until meeting with the IRS, and others may attempt to negotiate with the IRS on their own.This is not advisable and can be literally and metaphorically walking into a minefield. There are very few individuals and business owners who can independently deal with the Internal Revenue Service effectively.

Four Legal Options to Consider With Your Truck Accident Lawyer

Collisions involving semi-trailer trucks happen on a daily basis. Due to the obvious size difference between a car and a big rig, when you are in a passenger vehicle, a trucking collision often results in critical injury. And when there is a fatality, the victims are almost always those in passenger vehicles. According to the Department of Transportation, approximately 500,000 of these traffic mishaps occur each year in the U.S. With that in mind, here are four legal considerations you can explore with your truck accident lawyer before deciding to file a claim.

1. Who Is Liable?

One of the first options to explore is whether you can establish employer liability. Determining liability answers the question of who was at fault. If the big rig driver is employed by a trucking company, your attorney may be able to pursue a claim against the corporation itself, as long as the employee was acting within the scope of his employment when the incident occurred. It is also important that a detailed investigation is conducted at the scene of the mishap in order to effectively establish liability, including taking statements from any witnesses.

2. What Injuries Were Sustained?

In order to successfully pursue a claim against a liable party, you must show that you sustained a physical injury as a result of the accident. If you cannot show physical harm, then your claim cannot result in a monetary judgment that is meant to compensate you for your injuries. You must also prove that these injuries were a direct result of the truck collision and not by any fault of your own. Your truck accident lawyer can help by jumpstarting the investigation and establishing both liability and damages immediately after the incident.

3. Is Money Available If Your Claim Is Successful?

Once you establish liability, you can then take a look at the alleged party at fault and make sure they have means to pay any damages suffered. For example, if you successfully establish that the semi-trailer company is at fault, it is important to know if they have adequate insurance coverage to pay for damages. If the party at fault is unable to pay, another option could be if you have coverage on your individual insurance policy to cover accidents that result from uninsured drivers.

4. Can You Settle?

An additional option to discuss with your truck accident lawyer is whether to pursue a settlement out of court rather than proceeding to trial. If you have established liability and the party at fault is offering to compensate you without having to deal with the stress and expense of a trial, a settlement can be a valid option. On the other hand, if you are not offered a fair settlement, it can be worthwhile to proceed to court. Ultimately, your attorney should help you get compensated for the total extent of your injuries, your medical bills, any wage loss, as well as any pain and suffering.

With these considerations in mind, you and your truck accident lawyer can effectively explore the best options for your specific case.

What You Need to Know About Flood Insurance

Some homes sit in high-risk areas for water damage. Other residences are located in a moderate- or low-risk location. Regardless of your home’s location, you might consider purchasing flood insurance to protect yourself from the financial loss that can result from water damage.

Limitations of Disaster Relief

If you are not insured when a catastrophic event occurs, you will be left to either repair the damage on your own or hope the state or federal government issues an official declaration of disaster. Without this official declaration, no assistance will be provided. Even with an official declaration, not all disasters will result in assistance awards to residents. You may only receive an offer for financing to cover your expenses, rather than funds for rebuilding and repairs.

Benefits

When you purchase individual flood insurance coverage for your house, you have will receive greater protection in the event of a disaster in the form of a payout.

– In the event of flooding, you will receive a payout commensurate to the water damage caused to your property.

– Any funds you receive from your policy will not require repayment.

– Your policy will be continuous without the threat of non-renewal or cancellation due to repeated claims, which can occur with disaster assistance.

– Policy owners can also receive coverage for contents of a home or business, up to $100,000 for residential policies and up to $500,000 for business policies.

Coverage Details

Individual policies will have different coverage features, so be sure to carefully read the policy paperwork so you understand the terms. For example, the nature of the flooding will determine coverage. If water damage occurs due to a sewer backup in your home, most policies will protect you from this damage only if it occurred as a result of a flooding event rather than another type of issue. Learn what building property and personal contents are included in the policy. Find out what issues are not covered by the terms of your agreement. A policy will also have deductible options to select, which will affect premiums and claim payments.

Eligible Properties

A number of different types of properties are eligible for insurance coverage. You can purchase coverage for a single-family or multi-family home. You can also, as a business owner, cover commercial property that you own. Renters can purchase policies for apartments, condominiums, and commercial property to protect against loss from water damage.

Government and Lender Requirements

People who own property in floodplain areas may have no choice but to purchase flood insurance. Home and business owners who are in high-risk areas with federally regulated loans often find that coverage is required under the terms of their mortgage. Small business owners who receive certain loans from the Small Business Administration may also find that this requirement is attached to their financing terms. Some communities in high-risk areas have management ordinances in place that require residents to have insurance policies that protect them against loss from water damage. To be eligible for federal and state disaster relief, residents must first be insured.

There are a few differences between insuring your property against floods and insuring it against other types of risks. First, flood insurance is not always carried by the same companies that offer homeowner’s and property insurance, because it entails different risks. You may have to call around and ask your insurer if they provide this service, or if they know someone who does. Second, if you live in an area that is prone to floods, you may need a surveyor to verify whether your property is inside or outside of a high-risk zone before you can receive a quote. Contact your insurer today and ask them about adding the protection of flood insurance to your property.

The Advantage of Retaining an Immigration Lawyer

Having an experienced and knowledgeable Canadian Immigration Lawyer, whether the client is in or outside of Canada, is essential when dealing with Canadian authorities. Keeping up with the latest developments in Canadian immigration law, rules, policies and procedures for processing various immigrant visa applications, work permits and study permits is absolutely necessary in order for an effective Canadian Immigration Lawyer to obtain successful results on the client’s behalf. As well, when a client is facing enforcement proceedings such as a detention review, an admissibility hearing or an appeal at the Immigration and Refugee Board of Canada or the Federal Court of Canada, the advocacy skills of an experienced lawyer are advantageous in successfully presenting and arguing the case.

A Canadian Immigration Lawyer represents:

– Skilled individuals and business people who wish to immigrate and make a positive contribution to Canada;

– Family members wishing to migrate to Canada in order to be reunited with their relatives;

– Individuals requiring immigration assistance with corporate transfers;

– Individuals in Canada who wish to change or regularize their immigration status;

– Individuals in Canada who may be brought before immigration admissibility or deportation proceedings.

An experienced lawyer can prepare and present an impressive package that highlights the client’s most positive qualities to Canadian officials, thoroughly prepare the client for the interview at the Canadian Visa Office or Canada Immigration, or represent the client who may be facing enforcement proceedings in Canada.

Skilled Worker Class, Canadian Experience Class, Provincial Nominee Programs, Business Class

If a client is eligible to apply to immigrate to Canada under one of these programs, an experienced Canadian Immigration Lawyer will prepare an application package that places the client’s qualifications and personal situation in the best light for consideration by Canadian officials.

Applications for Canadian Permanent Residence are considered by visa officers at Canadian Consulates or Embassies around the world. For an experienced lawyer, keeping current with the applicable regulations, rules and guidelines is only part of the job, as there is also a discretionary component allowed to be exercised by the decision-making officer. A lawyer’s experience in preparing and submitting these types of applications, as well as dealing with various Canadian immigration and visa officers, ensures quality representation throughout the application process.

Visitor Visa, Study Visa or Work Visa to Canada

If the client is applying to visit, study or work in Canada (temporary residence), a Canadian Immigration Lawyer will assess the client’s situation, determine the most suitable program and prepare a complete application package for consideration by Canadian officials.

Applications for Canadian Temporary Residence are generally considered by visa officers at Canadian Consulates or Embassies around the world. In some cases, an application may be filed from within Canada. Although the determination by visa officers and immigration officers are governed by regulations, rules and guidelines, there is also a discretionary component allowed to be exercised by the decision-maker. With a lawyer’s experience in these types of cases, the client is provided with knowledgeable, quality representation throughout the application process.

Sponsorship, Humanitarian and Compassionate Grounds, Criminal Rehabilitation

If the client is already in Canada, a Canadian Immigration Lawyer will review the particular situation and determine if the client qualifies for one of these applications to become a permanent resident of Canada.

These discretionary applications are considered by Immigration Officers at Canada Immigration Centres. Although it is important to be thoroughly familiar with applicable regulations, rules and guidelines, an experienced lawyer will be able to address the relevant circumstances of the client’s specific personal situation. Experience in dealing with various immigration officers in these types of cases provides the client with effective representation throughout the application process.

Detention, Admissibility and Appeal Division Hearings, Applications to the Federal Court of Canada

If the client is facing one of these immigration proceedings, an experienced Canadian Immigration Lawyer can provide the client with effective representation in arguing the case at the review, hearing or appeal.

The key factors for a lawyer in successfully arguing the client’s case in court or at an immigration tribunal are preparation, knowledge and experience. A Canadian Immigration Lawyer who is thoroughly prepared with the facts of the client’s case, the relevant legislative provisions and judicial decisions is essential to successfully preparing the client for the hearing or appeal.

Copyright © 2011 Steven Tress, Barrister and Solicitor. All Rights Reserved Worldwide.

When To Contact A Social Security Disability Attorney

People who are unable to work because of a physical or mental impairment can apply for Social Security Disability Insurance (SSDI) benefits. If accepted, the disabled individual will receive monthly payments from the government. Standards are quite high, however, and about 70 percent of initial claims for support are denied. In the overwhelming majority of cases, applicants are rejected because they failed to provide enough medical evidence to substantiate their disability.

What Constitutes A Disability?

For SSDI purposes, an individual is considered disabled if they suffer from a medical or psychological impairment that is so severe it prevents them from engaging in substantial gainful activity (SGA) for at least one year. At present, the monetary threshold for SGA is just under $1,100. So if an applicant cannot earn above that amount from his labor, he can apply for SSDI benefits. That does not, however, mean that he will be approved.

Can A Social Security Disability Attorney Help?

It may be disappointing, but having your initial claim denied isn’t the end of the world. Many applicants successfully pursue their claims through the appeals process. Of course, it helps to have someone familiar with the process on your side. According to official data, over two-thirds of applicants who appeal their denial eventually receive benefits. But that can only happen if they have the information and evidence they need to prove their case. That’s where a Social Security disability attorney can be invaluable.

It is important to note that not every claim for SSDI benefits should be pursued. If the Social Security Administration (SSA) had a valid reason for rejecting your request, a reputable attorney may not take your case. He or she may peruse your denial notice and inform you that your chances of winning are slim. If, however, your application was denied because you failed to provide medical evidence of your impairment, an attorney may accept you as a client. As such, he or she may submit new evidence for reconsideration on appeal.

The Odds Are In Your Favor

According to the SSA, more than two-thirds of the cases that come before an administrative law judge on appeal are approved. Why? The most obvious explanation is that most of the applicants at that stage of the appeal process have a reputable Social Security disability attorney by their side. These skilled legal professionals know how to present your case in a favorable light, providing proof of your impairment and the effect it has had on your life.

With results like those, you might be wondering why everybody doesn’t hire an attorney to represent them? One obvious explanation is the price. Although their fees are often quite reasonable – generally less than 25 percent of back pay – not every applicant is owed a sizable sum. Only those who have not worked for quite some time and have been pursuing their case for many months may be eligible for substantial disability back payments. With that said, if you cannot work and do not expect to return to work for more than one year, you should seriously consider hiring a lawyer.

A Social Security disability attorney can help you win your claim for SSDI benefits.