Find out if you really have the coverages you think you have.

The new year is a time for resolutions, make one of your resolutions to review your insurance policies to see what coverages you really have. Remember back to when you bought your insurance policies, you weren’t provided with a copy of the actual policy to review the coverages provided by that policy. You got it in the mail later and most probably tossed it in a drawer without much thought.

The insurance companies in the recent years have gained much influence in the legislature and with the Florida Department of Insurance and therefore have been able obtain favorable legislation and rulings that have had the effect of lessening your coverages.

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There are a large number of reasons why you may decide to venture outside your home state. You may work across the state border, be seeing family, taking a vacation, just happened to pass out during your travels. Interstate travel in the USA is so commonplace most people do not even think about it, and as such there can sometimes be a rather jarring reminder when the differences between states crop up. Most usually, the differences in question are legal ones. Some states have different laws regarding driving, purchasing goods, gun ownership, and drug use, and another difference is in how they handle lawsuits.

This raises the question: just what are your legal options when injured in another state? What difficulties might I encounter?

Usually, the overall gist of the proceedings remains more or less the same. You contact a lawyer in the state where the injury occurred and take the offending party to court. What often catches people off-guard is when they encounter legal differences that exist in states that may present unexpected twists to the claim. These are things your lawyer can assist you with. There are some things you should be aware of though.

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Often lawsuits are clear cut. It is immediately clear who the responsible party is, or at the very least the lawsuit almost certainly involves just the two parties to begin with. However, now and then you do come across situations where finding out exactly who is responsible isn’t quite as obvious. Sometimes this is because it is not certain whether the accident was your fault or the other party’s. Occasionally though, the confusion arises as a result of the involvement of a third party. Case in point: if you are attacked at a concert, is the concert’s organizer liable or not?

Ultimately this depends entirely on the circumstances of the incident. This will require a fair bit of sleuth work and investigation on your part as you’ll need to present a solid case if you want any court action to be successful.

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Sexual harassment, whether it is found in homes, schools, or workforce, is a severe matter and epidemically rising throughout the world. In short, sexual harassment is defined by law as an unwelcome sexual advance, request for sexual favors, or other verbal or physical conduct of a sexual nature. Few sexual harassment cases are falsely fabricated by one party, most are serious matters where victims never speak up and suffer from the abuse. Therefore, groups, programs, and organizations around the world have united to pinpoint sexual harassment and stop it in its tracks.

Here are some mind-blowing statistics about sexual harassment that will increase your awareness of the problem and help identify situations when harassment and assaults occur.

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Injuries occur all the time – whether you’re cautious or not. From work, school, and everyday social encounters, everyone runs the risk of injury without even acknowledging the possibilities. This is definitely a good thing because no one wants to spend their life worrying about the next potential hazard waiting in their path. But when something happens without warning and injuries do occur, people look for someone to blame.

From dog attacks to slip and falls, injuries occurring on somebody’s private property may raise questions about liability and who is responsible during an insurance claim. If you’re injured while on somebody’s property, you may be entitled to damages. Before or immediately after you seek medical attention for your injuries, make sure you report the incident to the property owner or store manager, if they are currently unaware. Don’t give the store a statement but make sure you get the names of any  witnesses at the scene, as they will be important when attempting to recover for your injuries.

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