Posts by Albert

Insuring Stored Items

Posted by on Feb 27, 2015 in Insurance, Storage | 0 comments

Storage units are a great, safe way to keep excess belongings from cluttering your home. However, even when anticipating the best, it is also smart to prepare for the worst. Storage space insurance is a responsible choice to make when renting and using a self-storage unit. Whether the belongings contained in the space are valuable antiques or priceless keepsakes, your possessions should be financially protected from any potential damage. According to the website of Mopac Self Storage, if your belongings are worth storing, they are probably worth insuring.

Some homeowners and renters insurance offer partial coverage for stored items. When this is not the case, it is possible to add on to an existing policy or go directly through the self-storage unit to purchase insurance. In most situations, self-storage insurance is a cheap fee that can be added to the monthly rental fee for one easy payment. This protection is necessary if an accident such as water damage, fire, or theft were to occur.

Once all of the items are stored, appraise the items before signing an insurance policy. Have your stored belongings listed on the insurance policy to maintain an accurate account of what items are stored and how much they are worth. Know what your belongings are worth in order to obtain the appropriate coverage and guarantee that you are covered if the worst were to occur. Insurance companies also advise a monthly visit to the insured storage unit to check on the possessions housed there.

Make note of other benefits that insurance policies may offer. If you are often moving your items in and out of storage units, look for a policy that incudes in-transit coverage to protect your items. Still inquire about storage unit insurance even when business or home owners insurance already partially covers your stored belongings for supplemental coverage.

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Third-Party Texting Liability in Car Accidents

Posted by on Dec 23, 2014 in Personal Injury | 0 comments

It may seem a stretch, but a New Jersey court found that a person who texts someone who is driving may be held liable for personal injury or property damage if doing so leads to an accident.

Vehicular accidents can be simple and straightforward to complex and convoluted. It depends on many factors, and any criminal defense lawyer will confirm this emphatically. It seems simple enough to find fault with a driver who acts recklessly and irresponsibly by texting while driving when it results in an accident, but not many people would lay blame on a person who is not even on the scene. Technically, however, it does make sense.

In the case of third-party texting liability, there are two things to consider in determining if it has merit: the driver was distracted by a text at the time of the accident, and the third-party texter knew or had reason to believe that the receiver would be driving when he or she receives a text.

According to the Public Health Law Research, engaging in any mobile-related activities while driving increases anyone’s risk of having a car accident by 28%. But the logic is, if you don’t receive calls or texts while driving, you won’t get distracted. If a third party continues to text a driver even while knowing that the receiver is currently operating a vehicle, this constitutes negligent behavior. Read more about this on an attorney’s website if you need to.

The legal ramifications of such liability are still unclear, but with the increasing number of incidents of mobile-related traffic accidents, it is the logical next step in accident prevention. Currently, most states penalize drivers who are observed using their hand-held device while driving, although it is not yet considered a criminal act. If you are involved in an accident result in injury to a third party, you and your text mate may be held criminally and civilly liable and may be sued, depending on the circumstances.

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Asbestos – The Major Cause of Mesothelioma

Posted by on Oct 22, 2014 in Health, Personal Injury | 1 comment

One of the most dangerous types of cancer that an individual can develop is Mesothelioma due to the fact that it remains undetectable until it has developed to a certain stage wherein any form of treatment will no longer work. Mesothelioma forms in the mesothelium, which is a kind of coating that protects the different major internal organs of the body. Its symptoms usually appear 15-50 years after a person’s exposure to Asbestos, a “miracle” mineral, which is this chronic cancer’s major cause.

Asbestos is one of the most widely used chemicals around the world due to its remarkable efficacy, elasticity, sound absorption, tensile strength, resistance to chemical and electrical damage, resistance to heat and fire, abundance and availability, and affordability. Its use extends from the most common household items and appliances, such as fabrics, irons, toasters, dishwashers, refrigerators, and deep-fryers, to commercial and industrial equipment, like brakes and clutches, generators, steam pipes, turbines, hot water piping, insulators, boilers, cement, floor coverings, roofing, acoustic insulation, and so forth.

Inhalation of asbestos fibers (either regularly or in great quantity) is what poses the risk of developing mesothelioma. Individuals who are most prone to having this malignant lung cancer are workers in processing plants, shipyards, mines, auto manufacturing plants, construction sites, as well as plumbers, electricians, firefighters, etc.

The height of the use of asbestos happened in the mid 1900s, but it was only during the 1990s, when an alarming increase in the number of mesothelioma cases began to be reported around the world, that its manufacture and trade began to be banned in some parts of the world.

Some of the symptoms of Mesothelioma include shortness of breath, unexplainable weight loss, fatigue, frequent coughing and reduced respiratory function; these symptoms, however, can also be seen in many other types of (less serious) illnesses, thus, making it still harder to detect and identify the person’s real health condition. However, awareness of having been exposed to asbestos, even in the distant past, and then showing these symptoms would give some hint on the possibility of the presence of the cancer. Seeking the help of a Houston personal injury attorney can help the victim of asbestos and mesothelioma decide the best legal options available for the compensation that the law may entitle him/her to receive.

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The Good, the Bad, and the Untreated of Chlorinated Water

Posted by on Aug 3, 2014 in Water Treatment | 0 comments

Did you know that municipally-treated water can still be harmful to your health and home?

According to American Water, the chlorine used to disinfect water for residential use can cause damage to plastic components in faucets and appliances and leading to that annoying drip, drip, drip in the middle of the night. Chlorine is also a caustic agent, so when there is too much chlorine in the water it can cause the colors of fabric to fade and dry out skin and hair. In areas with a dry climate such as Texas, you don’t want to use chlorinated water doing more damage to your skin than the sun and wind.

You will know if municipally-treated water contains excessive amounts of chlorine because it irritates the eyes, much like swimming in a pool with a poor filtration system. But more importantly, recent studies suggest that drinking chlorinated water increases the incidence of certain diseases, including but not limited to cancer, childhood asthma, and liver problems.

The reason water is treated with chlorine because it kills off harmful pathogens that may be lurking in the water. However, the benefits of chlorine are significantly offset by its adverse effects, and most people wonder what can be done to minimize these effects.

One solution would be to install a whole house water filter system that would remove much of the chlorine in the water as well as soften the water. In Texas where the water hardness is rated at more than 1,000 ppm (parts per million) which is extremely hard, this is a definite need. With a whole house water filter, all the taps, faucets and showerheads will be efficiently spewing out clean, filtered water. While the initial investment may be considerable, savings from preserving the integrity of your water pipes and fixtures as well as less energy used by water heaters will pay off it off in the long term.

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Workers’ Compensation Insurance Benefit: A Win-Win Solution for Employer and Employee

Posted by on Jan 22, 2014 in Personal Injury | 0 comments

Employees in the U.S. who sustain work-related injuries or develop an illness due to exposure to dangerous chemicals at work, are entitled to immediate financial assistance that will cover tier medical treatment and which will cushion them from the effect of a possible financial crises due to loss of capacity to earn and the inability to immediately go back to work.

Such right is stipulated in the Workers’ Compensation benefit, a law that was passed in 1908 for the very intention of providing the much financial assistance needed by injured workers. Before the passing of this law, workers needed to sue their employers just to avail of the needed compensation. Besides damaging employee and employer relationship, the lawsuits were often won by employers, who always resorted to any of the following arguments:

  • Assumption of Risk – which states that due to the danger associated with the job, possibility of injury should be accepted
  • The Fellow Worker Rule – this argument was used if the cause of the injury was a fellow worker, saving the employer from any responsibility
  • Contributory Negligence – an argument that holds the injured worker himself/herself as the cause of the accident due to his/her negligence or carelessness

If ever there were instances wherein the employee won the case, the compensation he/she was awarded with was either delayed or much less than what he/she actually expected and deserved.

Between 1911 and 1920, majority of the states implemented the workers’ compensation benefits law with certain changes to align it to the laws in their own states. Filing for injury benefits through workers’ compensation ensured employees of financial assistance as this insurance benefit was not dependent on the financial capability of any employer. One item the benefit stated, however, is the employer’s freedom from any and further financial and/or legal obligations once the benefit has been awarded.

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