Protecting Against Insurance Bad Faith

Posted by on May 22, 2013 in Insurance | 2 comments

Smith Kendall PLLCCustomers pay insurance companies not just for the sense of security that carrying insurance provides, but also in the knowledge that in the event of a serious accident or other form of damage, they will be able to recover the costs that are incurred, preventing financial disaster. As a result, insurance customers have a right to expect that they will be treated fairly and with respect if it ever becomes necessary to file an insurance claim.

Unfortunately, the reality is that many insurance companies do not always operate in this way towards their clients. Depending on the nature of the specific form of insurance involved, many insurance customers eventually find that, when an accident or injury is involved, they may be denied the full amount of compensation they are owed, or their insurance company may engage in various other tactics that in some way disadvantage them during this difficult time.

Known as insurance bad faith, this practice is legally prohibited in the United States’ legal system. While instances of insurance bad faith in other countries may also be subject to legal action, those cases are limited to recovering whatever losses that the injured party may have incurred as a result of the insurance company’s actions. However, under U.S. law, instances of insurance bad faith may be subject to tort actions, rather than simply contract dispute judgments. This means that instances of insurance bad faith may actually allow the victims to recover more than the actual losses which they suffered, with the assistance of a skilled Dallas insurance lawyer.

However, it’s far better to protect against insurance bad faith than to litigate the issue after the fact. Many families who are struggling to recover from a serious injury, damage to property, or any other issue which may require filing an insurance claim do not have the time or resources necessary to pursue a costly court case against unscrupulous insurers, which can often go on over years or even decades.

The best way to protect against insurance bad faith before the fact is simply through scrupulous claims management. Insurers have an economic interest in denying claims for any possible reason, so when an individual files a claim for benefits from their insurer, it is essential that they make sure that every possible detail of that claim is correct to the best of their knowledge. Moreover, it is important to do as much research as possible into the correct management of a claim, in order to know what information will be necessary and how best to document it. For these issues, it may be helpful to consult with a claims management specialist, who can better inform you about what things your claim may require.

It’s also important to file your claim in a timely manner. Failure to file as soon as reasonably possible after an accident or injury occurs can cause insurance companies to view your claim with greater scrutiny and, potentially, may result in a higher likelihood of mismanagement on their part.

Read More

About Workers’ Comp

Posted by on May 17, 2013 in Workers Compensation | 4 comments

Accidents do happen, no matter how careful a person can be. And when they do, almost every employee worry about how they can cover for the cost of medications and loss of salary due to rehabilitation after the accident. Don’t worry, because the law states that each employee are covered by the workers compensation.

What is Workers Compensation?

Workers compensation, also called workers comp, is a type of insurance system set up by the state to protect the employees in cases of workplace injuries. It is required by law that employees are to participate in workers compensation, and when they do, the employees forfeit their option to sue their employee for workplace injuries.

Once a company has failed to carry the workers comp benefits, or otherwise follow a regulation of the state regarding these benefits, the company can be vulnerable to paying these compensations from their own pockets, or they can be subject to penalties imposed by the state.

What Are Important Things You Need to Know?

It is vital to file a claim for workers compensation immediately after you have been injured, regardless of whether it is a temporary or permanent injury. It is typically 30 days after the injury or illness began that the claim can be viewed as valid.

If you have questions about your compensation or benefits, or just any inquiries that you would like to clear up, you can contact the Workers’ Compensation Board of your state, or the Department of Labor or the Social Security Administration. They can also help you in filing a claim.

Try asking what your company’s insurance coverage can provide, and compute the benefits you will receive if you get injured in your job. If you think that what you will receive will not be enough to maintain your lifestyle, consider purchasing a personal disability insurance or a supplemental coverage. Don’t wait until you get injured on the job.

Read More


Posted by on May 15, 2013 in Cosmetic Surgery | 0 comments

When people say it is always better to age gracefully, many people believe that it involves maintaining a youthful appearance. Not everyone is comfortable when they see the signs of aging, such as wrinkles, age spots, crow’s feet, and other common issues. For this reason, Botox has become an increasingly popular cosmetic option for many people.

Botox is just one of the many names given to the neurotoxin botulinum toxin, produced by the bacterium Clostridium botulinum. It is used in both cosmetic and non-cosmetic medical procedures. For cosmetic procedures, they are mainly applied for wrinkles, lazy eye, glabellar lines (or severe brow furrows), and other facial creases. For non-cosmetic purposes, they are used to treat chronic pain, excessive sweating (or hyperhidrosis), neuropathy, and other health problems.

The way Botox works is by relaxing the contraction of the muscles through the blocking of nerve impulses. They also work by weakening or paralyzing particular muscles. When the muscles no longer contract, they can relax and soften. Once administered, the effects can last from three to six months. For cosmetic procedures, they are very easy to administer – the neurotoxin is injected using a very fine needle to avoid any discomfort, and they only take a few minutes. To minimize bruising, patients are advised to stop taking aspirin or anti-inflammatory drugs two weeks prior to the procedure, and to not use alcohol at least a week before the treatment.

There are also documented side effects from Botox, and these include headaches, symptoms of flu, nausea, blepharoptosis (drooping of eyelids), indigestion, and the usual temporary bruising. Doctors also found that men need higher doses of Botox as compared to women. Because of the temporary results of this procedure, many people have developed a dependence and addiction to it. It is best, therefore, to have experienced medical supervision when undergoing this procedure.

Read More

Dangers of Riding in the Rain

Posted by on May 13, 2013 in Motorcycle Accident | 1 comment

As more and more people are getting into the enjoyment of riding a motorcycle, the risks of being a rider has become more and more apparent because of the many accidents that occur. Motorcycle riding certainly has their risks and dangers, but it’s the same as driving any type of vehicle. Knowing how to prevent a motorcycle accident is the best way to protect yourself.

One the most dangerous factor that can put a rider in danger of an accident while on the road is the weather, specifically rainy weather. You can’t really avoid riding in the rain while you are on the road, but this experience does not have to be a negative one.

First thing to keep in mind when riding in the rain is the rain gear. Riders should always have it with them, just in case the weather turns sour. Wearing just jeans and t-shirt does not protect you from rainy weather – so invest in good rain gear. Find something that has water protection properties. According to the Mokaram Law Firm, there are rain gears that are integrated in regular armored riding gears; some shops even have jackets and suits that are waterproof and heated liners that are removable.

Find boots that can withstand long and heavy rains while keeping your feet dry. While leather boots can do the job, water can still seep through after long hours of riding in the rain. Find boots that can last at least 12 hours of rain, but also find something comfortable for you. And lastly, the problem of fogging and rain build up in the visor. For this problem there are products that you can apply on the visor of the helmet that can coat it in order to prevent it from fogging up. These products can last a whole day and are very easy to apply, plus they don’t damage the visor!

Being prepared for any type of weather is every rider’s responsibility. By having the right riding gears for the weather you can greatly increase your enjoyment while riding, as well as preventing you from being cold and uncomfortable. Being in the wrong mindset while riding the motorcycle can only put you at risk of getting into a motorcycle accident.

Here are some recommendations for protective motorcycle gear:

Read More

The Real Experts in Custom Pool Design and Construction

Posted by on May 9, 2013 in Beautiful | 0 comments

The Real Experts in Custom Pool Design and Construction

If you cannot have the time to go to an exotic island paradise for a wonderful vacation and great fun with your family or friends, then why not have an identical landscape of that paradise built right in your own backyard and get the chance to enjoy as much as you want anytime you like? With today’s designers and builders of custom pools the chance of having your dream pool and a really beautiful landscape within your property is very much within your reach.

Whether you need a new pool built or an old pool and your backyard renovated, you will surely love the outcome of the pool project these expert builders will do for you. You can also rest assured that every project they accept, they accomplish with guaranteed workmanship and a high level of efficiency that will save property owners, like you, time and money. The projects are also well constructed that whatever is built, whether a perfectly beautiful pool, a magnificent landscape or outdoor fixtures like fire pits / fireplaces, pergolas, outdoor kitchens or gazebos, would require low-maintenance and would undoubtedly be the envy of your neighbors and friends.

Expert custom pool designers and builders know just how essential relaxation is for hard workers like you; they likewise understand how important having quality time with your family or being able to spend great time with your peers is. Thus, the pool that will be built or renovated, as well as all other fixtures, will be according to your specifications and chosen design.

However, just to make sure that you never end up contacting just any pool builder, make sure that the one you contact has a workforce that is highly-skilled and stable, offers an “owner supervised construction” and has a certified engineer for a designer to make sure that your pool, besides providing real comfort and beauty, would function perfectly and be without flaws that can cause swimming pool injuries. Injuries incurred from poorly designed swimming pools may be someone else’s fault. In this case, it is important to hold the responsible party accountable and pursue financial compensation for your injuries.

Read More