Does a Crash Automatically Mean Your Insurance Cost Will Increase?

When shopping for a car insurance, you should investigate the company’s surcharge schedule alongside service, reputation, and price of the insurance company. A surcharge schedule is a pre-ascertained premium increase that is charged in the event you are in an accident.

Getting to Know the Surcharge Schedule

If you were never involved in a car crash in the last ten years, but happened to be in one only last week, your insurance premium may or may not go up. If it increases, it could vary with the insurance company, with the range being anywhere from eight to sixty percent. Some insurance firms could waive your first crash or accident, especially if the crash caused little damage. According to several car insurance experts, taking accident surcharges into consideration is vital when choosing an insurance policy.

The policy surcharge is determined after the accident. Car insurance firms furnish surcharge rate information to state insurance departments as a component of the natural filing process. Even if the surcharges are approved, it could be investigated if consumers lodge complaints with the state department, where the state would review the legitimacy of the surcharge.

Surcharge information can be found on the surcharge schedule given by the insurance firm. The document comprises percentages and points, and you would invariably have to compute the increases by yourself. In certain states, insurance firms are required by law to furnish a copy of the surcharge schedule.

Car Insurance Premium Increases

So, the question remains, does a crash automatically mean your insurance costs will increase?

The increase is based on several factors. As per the ISO (Insurance Services Office) standard, the premium is increased by twenty to forty percent of the base rate post a crash. However, premium increases could go above forty percent based on the scenario. The average increase in the rate of insurance could vary across states—California, Delaware, and Massachusetts are states known for some of the highest increases. Fortunately, most other states are close to the twenty to thirty percent range.

Companies usually ascertain the surcharge considering the premium paid prior to an at-fault accident. Your location, driving record, age, amount of coverage, type of vehicle, and experience as a driver would impact the percentage increase in insurance premiums as well. Some states even factor in credit rating.

If you were not the at-fault driver in the accident, you likely have sustained expenses and injuries due to the crash. You should get in contact with a Rockford car accident lawyer to seek compensation for your expenses, damages, and pain and suffering.

Increase in Rates Is Subjective

Based on your circumstances, your after-accident premium could increase marginally or significantly. For instance, you file a claim just before your birthday, but on your birthday, you are in a new age bracket that would decrease your risks and premiums. Your rates skyrocket, but if you had waited until after your birthday, the change may have essentially remained unchanged.  

If you filed a claim and purchased a more expensive vehicle before renewal date, you would likely see a major increase, which could be even double. At the time of renewal, your insurer would review your claim, payment, driving history, and historical changes in policy to ascertain your risk level.

What to Do When You’re Accused of Tax Evasion?

While you thought you were doing all the right things and filing your taxes properly, you might have come across a nasty surprise. You were accused of tax evasion, and now you’re being investigated by the IRS for tax fraud.

Avoiding paying your taxes is a serious offense, one that could land you in trouble for a long time. You’ll need to know what to expect and whether you need a tax attorney on your side. If you don’t fight back, you could be left with jail time and hundreds of thousands of dollars in penalties.

Is It a Scam?

Fortunately, you might not be in trouble after all, though you may need to be concerned about attempts to get your information. Some scammers may pose as respected institutes to demand your information.

As such, if the message you received seemed suspect, and you believe you weren’t guilty of tax evasion, you may need to contact a tax attorney about your case. They’ll review the letter and whether it comes from a legitimate source. If it does, they can help you address the situation and deal with the consequences for the accusations.  

Defending Your Claim

If the message is from the IRS, and you’ve been accused of tax evasion, you’ll need to act quickly to defend yourself. A criminal prosecution can hurt your reputation and your future, so you’ll need to be prepared before the investigation.

First, it’s important to gather evidence that you were innocent of these offenses. Accusations may include failing to report income, failure to file a return, or willfully making false statements about your income and tax returns.

Once you’ve gathered evidence that you aren’t guilty for the charge, you’ll need to prepare your case with an attorney, who can help you overcome your charges. They’ll review your claim and determine how best to get your case dismissed before you head to court.

Contact a Professional

When you’re accused of tax evasion, taking action is vital. If you don’t, between the financial penalties and the criminal record a conviction may leave you with, your future could be on the line. That’s why it’s important that you seek out an attorney before you act. If you’re not sure it’s not a scam, they can help you figure out your situation and act accordingly.

If you’re under suspicion of fraud, you may need a professional on your side. While you may believe you were innocent, you may still need to protect your future from accusations of fraud. Instead of hoping that they find you innocent, make sure you have someone on your side who can prove you were innocent.  

How Louisiana’s Liberative Prescription Can Sink Your Lawsuit

The law sets limits on suits, called statutes of limitations or prescription, to prevent abuse when it comes to filing civil or criminal cases. In Louisiana, this is called liberative prescription and it sets the time when a person can initiate a lawsuit. Liberative prescription ensures that anyone who claims to have been harmed by the actions of another initiate the appropriate civil or criminal process without delay. Doing otherwise could bar the same person from seeking compensation from the offending party because the allowable time period has passed.

Under Louisiana law, liberative prescription for civil suits is usually one year. This means that a civil suit must be filed within one year after the offense was committed or it lapses and the complainant can no longer file a claim. This one year period usually applies to personal injury lawsuits, which is why if you are planning on filing a personal injury claim, it is important that you work with a lawyer to act quickly and preserve your right to claim compensation.

For criminal cases, Louisiana law sets different periods depending on the severity of the crime. For example, prescription for low-level misdemeanors starts at six months. The liberative prescription for serious crimes can be as long as six years, except for murder and other specific crimes for which there are no set prescriptive periods. This means that the state must file the appropriate charges in court before the period expires or its chances of prosecuting these crimes are over.

How Louisiana’s Liberative Prescription Can Sink Your Lawsuit

Filing too late can single handedly cause the dismissal of your case. Even if you were fortunate enough to have this fact overlooked in the lower courts, but the fact of prescription is brought up on appeal, your case will be dismissed. It is very important to file your case as soon as the incident happened or as soon as the fact of the offense was brought to your attention. This is the only way to avoid the pitfalls that a delay in filing your case can bring.

Work with an expert lawyer to make sure that you can create an airtight case, whether it’s for a civil claim for damages or a criminal complaint. Your Baton Rouge injury attorney knows what the prescription is for your case and will make sure that your case gets filed within the prescriptive periods set by state law.

Driving in Chicago’s Suburbs Can Be Dangerous

When you’re in the middle of the city of Chicago, you’re likely looking out for dangerous drivers. Between the traffic of the city and the dangerous drivers there, it’s important to exercise caution in your day-to-day commute.

What about the suburbs, though? Unfortunately, they can be just as dangerous, leaving you with severe injuries if you don’t drive carefully. While you might be expecting trouble in the city, you might be surprised to find yourself involved in a serious accident when you’re almost home.

Hazards in Suburban Areas

When you’re driving through the suburbs, you’re not in the middle of speeding traffic or congested roadways. Unfortunately, there’s a chance of a serious accident when people aren’t paying as much attention to the road.

For example, you might be passing through the neighborhood when someone backs out of their driveway. They weren’t paying much attention, since it’s a low-traffic area, and they hit your car. Now, you’re dealing with the costs and the injuries of the accident. You’ll need help getting back on your feet after such a serious accident.

Watching for Drivers Under the Influence

Unfortunately, being out of the city doesn’t protect you from dangerous drivers, either. You might be coming home one evening, when you see someone swerve into your lane. They were just heading home, too, but they had been drinking. Now, you’ve been hit by a drunk driver close to your home.

Driving under the influence isn’t a phenomenon that only happens in the cities. Drinking and driving is a serious problem, and they could leave you seriously injured. It’s unfortunate, but many people think they can make it home in low-traffic areas like suburbs, only to cause serious accidents.

Avoiding a Chicago Accident

It’s unfortunate, but there are few places that are completely safe to drive. Even if the conditions are great, other drivers won’t make it easy on you. You’ll need to focus on protecting yourself and making sure you’re protected during and after a car crash.

While your seat belt and airbag can minimize the damages in an accident, you’ll need an Aurora car accident attorney to protect your compensation. You need help getting full compensation for your damages when another driver is careless with your safety.

Fortunately, you do have options to recover when you’ve had an auto wreck in the suburbs. You’ll just need to reach out to a lawyer, who will make sure you have everything you need to recover.

How to Talk to the Police When You’ve Been Pulled Over

Most of us spend at least a few minutes of each day in the car. We have places to go and people to see, which means that you’ll be on the road a lot. Unfortunately, that also means that you’ll have more chances to be pulled over.

When you’ve been pulled over, what can you do? It’s a scary, frustrating experience, but it doesn’t always have to be. When you know how to speak to the officer, you’ll have a better chance of getting off with a warning or avoiding a messier situation than you need. So, when you see those blue lights in your rearview mirror, follow these steps to protect your safety.

Cooperating Will Help

When you’re pulled over, be as courteous to the officer as possible. They’re just doing their job after all, and traffic stops are a dangerous part of an officer’s day. So, take care to keep you both safe when you pull over.

First, make sure there’s plenty of room on the shoulder or parking lot. Make sure the officer is out of the way of traffic or in a well-lit area before you stop. If you don’t see a safe place to pull over, turn on your hazard lights and slow down. That way, the officer knows you’re stopping.

Make sure that you keep things non-threatening. Keep your hands on the wheel and stay inside, so the officer doesn’t think you’re hiding something or acting aggressively. Instead, wait for them to make the first move. When everyone is at ease, the top will go faster.

Let the Officer Talk

Wait for the officer to ask for your license and registration and let them talk. Arguing about the ticket may get you in more trouble, and telling them what you did wrong is simply an admission of guilty. Apologizing may feel good, but it may leave you with a pricey ticket.

Once the officer has told you why you were pulled over, they’ll choose to let you off with a warning or give you a ticket. Whichever they choose, be polite and don’t argue. Making the stop easy can help you in the long run.

Speak to a Lawyer if You’re Ticketed

When you’ve been pulled over, being kind and polite may be the best way to avoid a ticket. Unfortunately, the officer might have given you a ticket anyway, leaving you with some serious expenses that can be tough to overcome.

Fortunately, you still have a chance to fight your traffic ticket. When you have a traffic ticket attorney in NYC on your side, you can expect a better chance at getting that ticket dismissed. If you want to avoid a ticket, cooperating with the officer can help, but if you’ve received a ticket anyway, get the help you need to fight your ticket.

Who Can Help with a Bankruptcy in Indiana?

Sometimes, your debt may become too much for you to handle. You’re facing constant harassment from the creditors, you’re in over your head, and you can’t get out of your situation without help. It’s a painful position, but it’s not one you have to remain in.

Even so, you’ll need help filing for bankruptcy and overcoming your debts in Indiana. You need help making a financial plan that works for you and your family, and that’s not always easy. So, seek out help from a lawyer or consultant, who can guide you through your bankruptcy proceedings.

What to Know About Filing for Bankruptcy

When you’re dealing with a bankruptcy case, you’ll need to know what type of bankruptcy you should file for and who can help. For example, you might be looking to liquidate your assets and pay off your debts at once, so you can move on as soon as possible. In this case, your attorney will help you file for Chapter 7 bankruptcy and what assets you’ll sell.

Otherwise, you might be looking for a slower, more stable way to pay off your bills. In this case, you’ll need to file for Chapter 13 bankruptcy. This plan requires you to work out a three to five-year payment plan, which will help you pay for your debts without losing your home. Each type has its benefits, so seek information before you file.

Financial Planning is Vital

When dealing with a bankruptcy case, you’ll need to know as much as possible about your financial situation and how to plan for a better future. Unfortunately, you may have trouble making the detailed budget that the courts require before you’re able to file.

That’s why you’ll need an accountant or other person to help you. You need someone with experience in budgets and assets, who can assess the value of your assets or help you build a plan to be debt-free. They’ll guide you through your claim and make sure your plan works for you.

Lawyers with Bankruptcy Services

Often, however, it’s best to have a Terre Haute bankruptcy lawyer on your side. An attorney can help you fight back when you’re struggling with your piling debts. They’ll have the tools to get the creditors to stop calling, and they can help you choose the best plan for you.

Filing for bankruptcy can be tough and embarrassing, but you’ll need help fighting back and getting the full compensation you deserve. So, reach out today and fight to be debt-free.

What to Do When Doctors Make Mistakes

If you’ve ever wondered what to do when doctors make mistakes, there are instances when doctors do make mistakes in diagnosis or treatment of a condition. This often raises a number of concerns such as the well-being of the patient and more importantly the impact of the error on the patient’s condition. Ultimately, the incident may raise red flags such as when the patient suffers as a result of the doctor’s misdiagnosis, and it amounts to medical malpractice. In some cases, it’s more complicated than you might think however it is what occurs in the healthcare setting that undoubtedly leads to a valid malpractice claim.

To know whether you have a medical malpractice claim, you need to understand exactly what medical malpractice is. You could either be a victim of medical malpractice or merely a mistake on the part of a healthcare professional or healthcare facility. To put forward a medical malpractice case, there different elements that must be in place. When these different elements are in dispute they must be established through evidence and testimony by either the plaintiff or their legal team.

To open a medical malpractice claim, there must be an existence of a patient-doctor relationship. The plaintiff must also be able to prove medical negligence which ultimately means that there was a failure to provide treatment according to the acceptable medical standard of care. The plaintiff should also prove that there was a causal connection between the patient’s harm and the care providers medical negligence which is often referred to as quantifiable harm to the patient.

Basically, the question you have to answer is what is the accepted practices around the medical procedure or treatment that led to the alleged mistake. The patient’s expert medical witness usually provides this answer and these are usually doctors who have expertise in the patient’s condition. These doctors also practice medicine in the same geographic area as the defendant doctor.

In most cases, it’s not enough just to prove that your doctor made some type of mistake. The expert witnesses have the responsibility to prove a causal link between the measurable harm done to the patient as a result of that mistake. So basically, in other words, it needs to be proven that had it not been for the error on the doctors part, the patient would not have experienced a deterioration in his health condition. If this cannot be proven, reasonable doubt implies that there could be new health problems that require additional medical treatment. Ultimately, unless the patient suffered some type of harm because of the doctor’s error, there can be no medical malpractice lawsuit.

However, if you’re thinking about talking to an attorney about a potential malpractice case, it should give you some type of solace knowing that you will not need to pay for legal representation right at the beginning. Medical malpractice lawyers often take cases on a contingency fee basis. Aside from the fee arrangement, there are a few things you might want to ask your West Palm Beach medical malpractice attorney when you initially have a consultation with him.

Some of the questions that may not have obvious answers for include scenarios where you’ve travelled to another state for medical treatment and had some form of medical malpractice occur, and you would like to know whether you can file a malpractice suit in your hometown or whether you need to file it in the state where it occurred. You should also find out if your state has “tort reform” laws that basically restrict the amount of money you can receive from a medical malpractice lawsuit. You should also find out if there’s a time limit for filing a medical malpractice case.

Getting Maximum Workers Comp Benefit in South Carolina

A work accident leaves you in a tough spot. You’re hurt, you and your family are struggling without your income, and you might be impaired for life. Unfortunately, that injury can haunt you for some time, so what can you do about it?

When you’re hurt on the job, you deserve the maximum work comp benefits for your claim, but how do you get them? It can be tough to be sure you’re getting the full benefits you deserve alone, so be sure you’re getting the help you need.

Getting the Right Benefits

First, you’ll need to know what benefits you deserve. By starting here and calculating the worth of your damages with a South Carolina workers compensation lawyer, you’ll know what to expect and where to begin.

First, all your medical bills should be covered. If it was reasonably prescribed to help improve your injury, you shouldn’t have to worry about it. This also includes future costs, so if you have a surgery planned, be sure they’re covering it.

When you’re unable to work, you should receive a percentage of your pre-accident wages. If you’re unable to work at all, that amount should be two-thirds of your original pay. If you’re returning on “light duty,” you’ll receive two-thirds of the difference between your original income and your new wages. This can be a little complex, but a lawyer can help you calculate it properly.

Get Ready to Appeal

Even if you do receive an approval letter, you might be disappointed by what you find. You don’t believe that your benefits cover everything you need. You’ll need a better settlement, or you’ll need a settlement at all, if you were denied.

Fortunately, South Carolina residents do have the opportunity to appeal. You’ll file for a hearing about your claim within 14 days of your injury report, and the workers compensation commissioner will review your claim. With a lawyer on your side, you can get the full benefits you deserve, even if they don’t offer them all at first.

Fight Back for Max Work Compensation

When you’ve been injured at work, you’ll need workers compensation to recover fully from your injuries. Unfortunately, you might feel that you’re not getting the full amount you need to recover. What can you do?

What you’ll first need to do is call a lawyer. They’ll review your claim and determine whether you’re getting the full compensation you deserve. Once they review your claim, you’ll then need to know how much your claim is worth. Once you know what it’s worth, you’ll know what you need to fight for.

If you’ve been injured at work and you want to ensure you’re getting the max benefits you deserve, seek out a work comp lawyer. You’ll need help getting your compensation, and a lawyer can guide you to your maximum benefits.

What Are the Most Serious Felonies in Texas?

If you’ve been charged with a felony, you are in very serious trouble. You could be looking at life in prison and a number of other penalties, because a felony charge is the worst you can have in Texas. A felony conviction will forever impact your life.

If you are released from prison at any point, you can expect to find it nearly impossible to find an employer that will hire a felon, you won’t be eligible for financial aid if you hoped to obtain a college education, and housing will be difficult to find, because your background check will reflect your conviction. A felony charge should never be taken lightly.

You need a highly trained criminal defense lawyer who can help you overcome your charges. Continue reading to learn more about the different types of felonies in Texas and the crimes often associated with them.

Capital Felonies vs. State Jail Felonies

Texas law states that the most serious felony you can be charged with is a capital offense. You can expect to be charged with a capital felony if you committed murder. A capital offense is punishable by life in prison for individuals who were under the age of 18 at the time of the crime, life in prison without the possibility of parole, and the death penalty.

This is different from a State Jail Felony which is considered to be the least serious felony. You may be charged with a State Jail Felony if you were arrested for burglary, DWI, possession of a controlled substance and a number of other crimes.

The penalty for a State Jail Felony is up to two years in State Jail and fines up to $10,000. It’s important to note that State Jails differ from county jails in that State Jails do not provide earlier releases for prisoners who exhibit good behavior.

First Degree Felony Charges

More serious than a State Jail Felony and less serious than a Capital offense is a first degree felony. Crimes that are eligible for this charge include white-collar crimes, exorbitant theft, and ongoing sexual abuse, to name a few.

If you are convicted of a first degree felony, you could be facing fines not to exceed $10,000 and a maximum of 99 years in prison. However, you could also be sentenced to as few as 5 years in prison, depending on the nature and intent of your crime.

Penalties for Second and Third Degree Felonies

Though a second or third degree felony is not as serious as a capital offense or a first degree felony, your life will still be permanently altered for the worse if you are convicted. If you were charged with robbery, burglary, or any kind of sexual offense, you’ll also be charged with a second degree felony. Convictions come with up to 20 years of imprisonment and fines up to $10,000.

Domestic violence and multiple DWI’s mean that you can be charged with a third degree felony which carries penalties of a maximum of $10,000 in fines and 10 years in prison. As can be seen, felonies of any degree are something that should be avoided at all cost.

When you’ve already been charged, the only thing you can do now is retain a top criminal defense attorney in Texas to give you the legal advice you need to avoid conviction.

Work with a Qualified Criminal Defense Lawyer

To put it simply, any sort of felony conviction is going to effectively ruin your life. For this reason, you need legal representation. Fortunately, a qualified felony lawyer can defend you by building a powerful defensive strategy that will allow you to avoid being convicted. Don’t wait another moment, reach out for the assistance you need so that you can begin to put your mistakes in the past.

How Criminal Defense Lawyers Help Their Clients

When you are charged with a crime, it is a stressful experience.  The first step you should take is to consult with an attorney, whether you committed the crime or not.  

How Criminal Defense Attorneys Assist Clients

When you hire an attorney, he will protect your rights.  He will offer sound advice, and you will have all the information you need to avoid mistakes that could harm your case.  

If you did not do what you are accused of, an experienced attorney is your best chance for acquittal.  Your lawyer may even be able to get the charges dropped without going to court. If a trial is necessary, though, your lawyer will present the best defense so you can win your case.

A criminal defense lawyer does not only defend innocent persons.  If you are guilty of the charges, you want Christopher T. Hersem, criminal defense attorney on your side.  He can help the law work in your favor.

Depending on the circumstances, you may be found not guilty of the crime.  You can be exonerated of the charges, and enjoy freedom in your everyday life.  When this is not possible, expert representation can mean a lesser sentence than if you did not have a lawyer.  

Serious crimes carry severe penalties.  Depending on the crime you are charged with, this may mean a long period of incarceration, significant fines, or various other penalties.  Your lawyer may be able to get the initial charges reduced, or present other relevant evidence so the penalties are not so severe.

You Need an Experienced Lawyer

When it comes to criminal charges, there is really no such thing as a minor crime.  Even a misdemeanor can result in unexpected penalties that can impact your life. You should not make the mistake of thinking you do not need a lawyer if you are innocent, or that all hope is lost if you are guilty.  

Instead, think of how the charges can affect your future.  You do not want to be found guilty of something you did not do, and you do not want to face a long prison sentence even if you committed the crime.

From your first consultation, your lawyer is ready to help.  You will have solid advice and representation every step of the way.  When you have one of the best lawyers working for you, you can have more confidence about your future.