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Poor Pay More For Automobile Insurance May Get Worse Treatment/Benefits
When applying for car insurance, an applicant’s job may be a major factor in determining premiums.
When applying for car insurance an applicant’s job may be a major factor in the premium amount quoted. A recent article in theNewspaper.com concluded that individuals who lack fancy job titles could pay over forty percent more for car insurance. According to the article, a âdiscountâ insurer quoted a janitor who only had a high-school diploma an average of forty percent more for car insurance than a college-educated attorney.
The news for those in the lower-paying blue collar or service industry jobs may even be worse. Applicants with lower incomes are more likely to be lured by automobile insurers that promise cheap premiums. But those same discount insurers may also provide the worst services and lowest benefits when it comes time to settle motor vehicle claims.
Annual surveys conducted by the Nebraska Autobody Association are designed to identify the best and worst insurers by having collision repairers rate insurers on the types of repairs insurance companies authorize and how insurance companies treat their customers. These surveys have repeatedly revealed a vast discrepancy in the benefits provided to claimants. Results of the association’s 2005 survey revealed that on a scale from one to ten, with ten representing the best rating, insurer averages ranked from a dismal 2.3 to a respectable high of 8.6 with discount insurers rating near the bottom.
âWe would not expect to find such drastic discrepancy in a regulated market,â said Norbert Zaenglein, Executive Director of the Nebraska Autobody Association. Market conduct regulation for collision repair in Nebraska is practically non-existent and the Department of Insurance simply looks the other way,â Zaenglein added. âLinking education or job title to claims severity is just another way of exploiting those groups who can least afford to be exploited.â An independent exposé of widespread insurance abuses in Nebraska will be published in a book later this year.
An automobile is a major investment and automobile insurance shields consumers against unexpected expenses, such as repairing an automobile after an accident. It is important for consumers to understand that each insurance company has its own claims handling practices and those practices arenât always consistent with promises made in the policy.
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ne department of motor vehicles
Illinois Accident Lawyer Supports Chicago Police Clampdown on Unsafe Bicyclists
A recent sting operation scolding bicyclists for breaking road rules reinforces the need for bicycle and motor vehicle safety, says Illinois personal injury lawyer Michael P. Schostok.
Chicago police warned bicyclists to obey traffic laws in a recent sting operation at one of the city’s busiest downtown intersections, according to an article in the Chicago Tribune.
Michael P. Schostok, a Chicago personal injury attorney who represents clients hurt in motor vehicle and bicycle accidents, calls the campaign a step in the right direction.
“Whether you’re a motorist, cyclist or pedestrian, you must obey the rules of the road,” says Schostok, an equity partner in the Chicago personal injury law firm of Salvi, Schostok & Pritchard. “Chicago is home to nearly 3 million people, and countless numbers of them commute every day. Hopefully, a ticket or warning will lead them to behave more responsibly.”
In just two hours, officers issued 240 warnings and one ticket to cyclists committing violations, such as running red lights and riding through pedestrian crosswalks, the Tribune reported. It’s part of a joint campaign between city police, the Department of Transportation and the City of Chicago’s Bicycling Ambassadors that encourages bicyclists to “Share the Road.”
“Sometimes, the accidents will result in a bump or a bruise and commuters will go on their way, but other times, there are catastrophic injuries that change the course of the victims’ lives forever,” says Schostok, who also handles wrongful death lawsuits.
For example, a crash could cause traumatic brain injuries or other wounds that permanently disable or disfigure accident victims.
“What may seems like a simple act of negligence, such as riding in a crosswalk, could have devastating consequences,” explains Schostok. “In an instant, a bicycle, car or pedestrian crash has the potential to rob victims of their livelihoods and cause irreversible physical and emotional pain.”
The Chicago accident lawyer said one helpful solution is for bicyclists to know the rules of the Illinois Vehicle Code.
“The code holds that every vehicle operator – and a bicycle counts as a vehicle – must follow the same traffic laws as drivers of any car or truck,” Schostok says. “Of course, that also means that drivers must respect cyclists as equals on the road.”
Violators or their insurance companies may be held liable for any injuries caused by negligence on the roads, he added.
When disaster strikes, it is important for victims and their families to learn about their legal options and file claims as soon as possible, Schostok advises.
“Contacting a lawyer who is experienced in bicycle and motor vehicle accidents can help determine whether you have a good case to make in court,” he explained. “And the stakes are high – a successful verdict or settlement can result in compensation that can help alleviate the burdens caused by medical expenses or time off work.”
About Salvi, Schostok & Pritchard
Salvi, Schostok & Pritchard is a leading Illinois personal injury law firm with offices in Chicago and Waukegan. In addition to representing clients in catastrophic personal injury, medical malpractice, aviation and product liability cases, the firm focuses on car and truck accidents, airplane and train accidents, construction injuries, birth injuries, brain injuries, unsafe properties and animal attacks. The firm has obtained more than 5 million on behalf of its clients in personal injury and wrongful death cases, including 160 multi-million dollar verdicts or settlements. For more information, call (312) 372-1227 or use the firm’s online contact form.
chicago department of motor vehicles
Nutri-Med Logic Corp says, that the most recent study in the British Journal of Nutrition, following many other preceding recent studies, correctly recommends supplementation of vitamin D and, as such, more and more food manufacturers are fortifying their products with vitamin D, which could equate to a forced over-supplementation of Vitamin D. And that is worrisome.
(PRWeb August 21, 2011)
Read the full story at http://www.prweb.com/releases/2011/8/prweb8735232.htm