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Compare Insurance Policies before You Buy

When you want to have the best motorcycle insurance coverage you need to get as many insurance quotes as you can. The website of Insure on the Spot can help you understand and maneuver through these various insurance coverage to get the best mix for you. Here are some ways to help you decide which insurance coverage you should get and which investment is really worth the money.

When you get the chance to compare insurance policies offered to you, check whether the limits, deductibles, and optional coverage match up to help you see which policies would best suit your needs. If you want higher deductibles, you might end up with a lower insurance premium. This, however, can be an added financial risk. This also applies to limits. You might have lover premiums, but when the time comes to file an insurance claim, you might not have enough money to cover for all the damages and expenses.

When you have decided on the policies that you want to have, these policies will begin after you have received your motorcycle quote. In an event of an already existing insurance policy, you have to make sure that the end date is on or after the new one starts to prevent any coverage lapses. Depending on the insurance company that you sign with and which state you’re in, you can have a number of vehicles insured under the same insurance policy and other insurance rights. This would also allow you to avail of certain discounts that you might qualify for.

Ask your insurance provider on how many riders you can cover on your motorcycle insurance policies. This is to ensure that you will not be put in a financial bind when there are multiple victims after the accident. Be aware, however that your insurance policy may not cover you when you are riding another motorcycle. Exceptions can apply, such are rentals, where some of your optional insurance coverage can help cover for the damages after an accident.

How distracted are you when driving?

According to the website of the Law Offices of Ronald J. Resmini, distracted driving accounts for a majority of road-related accidents across different states in the U.S. Sadly, these accidents have resulted not only life-changing injuries, but also ultimately death. In fact, the U.S. Centers for Disease Control and Prevention stated that each day, more than 1,153 people are harmed and 9 people killed because of a distracted driver.

A distracted driver is a moving road danger. Not only does it put his own life at risk, he also put at risk the lives of his occupants and everyone sharing the road with him. The question now worth asking is this: are you one of them? See if you are a distracted driver and how distracted you are when driving.

Are you taking your eyes off road?

Do you find it irresistible to answer text messages, even when driving? Do you value connectivity so much that you always want to check someone else’s status even when behind the wheels? Or do you want everyone to know what you’re up to by updating your Facebook status, even when driving? Taking your eyes off the road, even just for split seconds, may trigger life-changing car accident.

Are you taking your hands off the wheel?

Do you eat/drink/switch radio stations more often when behind the wheel? Being a multitasker is good at work, but is NEVER good when driving. Unfortunately, it is surprising why some even bothered to create a video teaching everyone how to apply makeup while driving.

Are you taking your mind off driving?

When you drive, are you thinking about something else? Do you daydream when behind the wheel? Are you worried or anxious every time you drive that it is often difficult to think of driving alone. If this is you, you are at risk of a car crash due to distracted driving.

Emergency Rooms: The Most Likely Places for Errors which Lead to Medical Malpractice

A young man was rushed to one hospital’s emergency department twice, due to severe headache, nausea and vomiting (his headache was actually worse when he was rushed there the second time). In both instances he was diagnosed as suffering from viral infection and then sent home; two days after his second trip to the ED a massive brain hemorrhage cost him his life.

The nearest hospital’s emergency department, or emergency room (ER), is always the first thought during life-threatening (or what seems to be life-threatening) situations. Records from the National Center for Health Statistics show that in 1993 and in 2003 there were 90.3 million and 113.9 million, respectively, hospital emergency room visits made by Americans. These numbers become pretty small, though, when compared to the 133.6 million visits recorded in 2013.

Emergency rooms are fast-paced environments where doctors, nurses and other ER personnel must act fast, but with the greatest caution and accuracy, to be able to stabilize all those who present themselves there, especially the severely injured and the critically ill. So many of these fast-paced, over-crowded environments, however, are run by overworked and undermanned staff, some of whom are even inadequately trained – factors that highly increase the possibility of errors, which often lead to severe or fatal injuries.

The common types of emergency room errors are mistakes with regard to the type or dosage of medicine, wrong interpretation of test results, downplaying or ignoring symptoms, failure to require appropriate tests, improper performance of procedures, delayed treatment, misdiagnosis, and patient dumping, which means releasing or transferring of patients to another health-care facility due to financial reasons [this is a violation of the federal law, called the Emergency Medical Treatment and Active Labor Act (EMTALA), for hospitals that receive Medicare funding].

While many would complain of delayed treatment, this may be due to the wrong “first come, first serve” concept. The fact is, emergency rooms quickly treat or treat first those who most need treatment. Determining who needs immediate treatment is done by a triage nurse using the emergency severity index, or ESI, which takes into consideration the condition of and the kind of care needed by a patient. While patients with the most critical injuries usually get treated first, they can be overtaken by patients with multiple traumas or who are either not breathing or unconscious.

If an error, however, (including delayed treatment) results to severe patient harm or, worse, death, then the family of the victim can file a civil lawsuit to seek the compensation which the court, where they will file the lawsuit, may deem them eligible to receive.

You can find more information about the frequency of errors committed in emergency rooms on this personal injury website. This website also mentions the legal responsibility that medical staff members will have to face due to the harmful results of the errors that they have committed as well as the damages that they may be legally required to pay.

Places to be in Milwaukee: Lakefront Brewery

One of the many things the great city of Milwaukee is known for is its manufacturing of some of the best beer in the entirety of the continental United States of America. The Lakefront Brewery is one of the many places in Milwaukee that offers a closer look onto its production – but none can quite compare to how this brewery does it!

The people with Lakefront Brewery had always found it odd – the concept of serving beer only after the tour was finished. There is a more involved appreciation among the visitors if they can enjoy the product while learning the history of the brewery as well as their products. The great thing about the tours in this particular brewery is that there is no definite script in the sense that every tour guide has a different take on how to take the crowd around. This ensures a fresh and new experience with every group. You are sure to have a newfound appreciation with the production of the beverage long after the tour is done.

Something to look forward to at the end of the brewery tour is the famed sing-a-long to the theme of “Laverne and Shirley” – always a crowd favorite. The price of admission is at the reasonable cost of $7 and it comes with a souvenir pint glass as well as four pours of beer as well as a coupon for a complimentary beer at some of the Milwaukee establishments, as listed in the coupon. Also offered is their famed gluten-free beer, perfect for those with strict diets for health reasons and the first of its kind in America, called New Grisk.

It is definitely well worth the visit, should you find yourself in the Milwaukee, WI area!

Types of Self Storage Units

The self-service storage is a very big industry, and it is growing in the United States. The convenience of these storage facilities offers has made it a multi-billion dollar business, and a primarily US-based industry. Storage facilities cater to both individuals and businesses, and many offer additional services such as truck deliveries, boxes and packaging supplies. When you are looking for a storage facility, one of the things you should look for is the location. You need to extend you search and not simply settle for those closest to your area.

When hunting for a place to store your belongings, you might consider going around different locations to find the best deal and services you can get. Storage units in various locations can offer different services, and should therefore be looked into and checked to see if which one will suit your needs. Some of your belongings might be sensitive to temperature, which is why you might need climate controlled self storage. Indoor self-service storage may offer better security from theft and trespassing, and could provide temperature control for important and sensitive items. On the other hand, generic garage-door type can still give you the same storage service and security guarantee as long as you choose the right facility. Review the items you are considering putting into storage and determine if you require any of these options for your storage unit.

When visiting different storage locations, make sure to talk with the property management personnel regarding important matters such as missed or late payments, discounts or rental specials, and whether you can see the unit personally. Grace periods for late or missed payments may vary from company to company, and even from state to state. Austin storage units in 78729 may have a different grace period from others in the area, therefore researching about such matter is vital. You might lose your belongings if you have missed or given a late payment that is not according to the policies stated by the storage facility. Likewise, inquire about special offers or discounts, since most storage facilities offer similar promos to make the transition easier or to make it more affordable. Lastly, don’t rush into signing the lease before seeing the unit personally. Make sure to see the actual unit, or at least the one on the same block or floor, to check the area and make sure you get the one you are actually looking for.

The Truth of Burn Injuries

There has been a saying that’s gone on around for a long time. It says: “if you can’t stand the heat then get out of the kitchen.” Sometimes, though, no matter how far away you stay from the kitchen – the heat comes to you, whether you like it or not.

Burn injuries are a horrible experience that then deals life-altering changes to all those it inflicts its flames upon. Aside from material loss as property is consumed and reduced to ash, there is also the physical and psychological damage sustained after such an incident. If the substance were hot enough, the skin could melt clean off and render damage that is permanent and irreparable. Heal as best as it might, nothing will ever be the same again.

Medical expenses can even escalate to over $200,000 – and that’s the initial cost alone. Most burn injuries that people sustain have bills and medical costs that go well beyond that, and that’s for the physical damages alone. Psychological scarring can also be evident due to the disfigurement that so often comes after a burn. Burns can result to things so absolutely devastating like gas explosions and the like or from secluded events such as scalds or exposure to dangerous substances. What is more appalling is that most burn injuries are absolutely preventable – if only it weren’t for an offending party’s negligence.

Whatever the cause of the burn incident, according to the website of the Sampson Law Firm, the victim is liable to receive financial compensation, whether it be for the medical expense as well as the lost wages and, possibly, diminished capability to work. If there is evidence of foul play, the offending party could even be fined with punitive charges.

Dealing with a burn injury, especially one that is severely life altering, will take a significant amount of time that could have been otherwise spent in this short human lifespan. The least you can do, if you or someone you love has suffered such atrocity, is to pursue justice.

What is a Fuel Advance?

There will be times for many start-up trucking companies and independent truckers when they are hard-put to find the cash to pay for the fuel they need to pick up a load. A freight contract usually comes with money upfront, but not always and because most freight factoring companies require an invoice (indicating that the job had been done) before they will pay anything, this can be a major problem. How can they produce an invoice when they can’t get the truck to where it needs to be to do the job? Fortunately, some freight factoring companies such as TBS Factoring understand how it is and offer to these truckers what is called a fuel advance program.

Essentially, the factoring company agrees to pay the trucker a portion of the cash advance (up to 50% in some cases) for a load that they are factoring before the job is done. Typically, the fuel advance is loaded to the fuel card the factoring company subscribes to, or as a direct deposit to the trucker’s bank account if it is a weekday. Cash loaded to the fuel card can be accessed as such for expenses other than fuel or used to pay for fuel at gas stations that accept the fuel card; note that there may be transaction fees for each cash advance, payment or withdrawal.

It should be noted that it is an accommodation that is not offered by all freight factoring companies, and not all clients will qualify for it. A fuel advance program is a great option for the severely cash-strapped trucker to keep the business going provided the client passes the credit check or is a pre-approved for the fuel advance option. The fuel advance amount is part of the total due to the trucker and which in addition to any applicable fees will be deducted when the invoice is presented to the factoring company.

Limousine Amenities

A limousine is more than a means of transportation; it is a fashion statement. It’s like that expensive pair of shoes or custom suit; you use them to make an impression, and a limousine’s amenities can do the same thing.

The standard limousine is longer than the average sedan so it has plenty of leg room, comfortable seats, and has a partition separating the driver from the passengers for privacy. As pointed out in the website of Capital City Limousine, it epitomizes luxury and wealth even without the added amenities, and is generally considered the most expensive form of private land transport. But there are other limousine amenities that can and have been made available to delight its passengers.

Most limousines sport a bar, and some are stocked well enough to satisfy the needs of a rowdy bachelor party. Some go the stylish route with cut-glass decanters and crystal glasses, perfect for celebrating an anniversary or promotion, and then you have those with neon light-edged counters and even sinks. Party limousines even sport a disco ball! Some limousine models go for more quiet elegance with wood paneling and expensive veneers.

One of the most sought-after limousine amenities is high-end communication and sound systems. Nothing makes a trip goes faster than listening to your favorite music, indulging in surfing the social networks, or getting work done during a long commute. At the very least, getting to play with all these gadgets while on rolling iron is an experience not to be missed.

Of course, all these amenities come at a price. If you’re rich enough to have your own private limousine, the novelty will probably wear off after a while and taken as a matter of course. But if you are just hiring a limousine, there is no reason to go for one with as many amenities as the service offers that you can afford. After all, how often do you get to ride in a limousine?

Alcohol Combined with Marijuana: A Driver’s Fastest Way to the Afterlife

A study conducted by the National Highway Traffic Safety Administration (NHTSA) shows that drunk-driving or driving while intoxicated (DWI) is among the four major causes of vehicular accidents on US roads (over-speeding, driver error and reckless driving are the other three). More than 40, 000 lives are lost every year due to these accidents.

DWI is a crime in all 50 states and the law says that any driver who will be caught driving while having a 0.08% of blood alcohol content (BAC) in his/her blood would be charged of the crime. With regard to DWI or DUI – driving under the influence, drivers need to understand two essential things:

  • The crime is not based on soberness. Some people definitely have greater tolerance to alcohol than others. This enables them to consume more bottles of beer without being impaired by the alcohol – a different case when it concerns casual drinkers
  • Possession of marijuana or worse, use of marijuana in combination with alcohol will only increase the driver’s impairment, risk to accident, criminal offense and fines and punishment.

Despite the recently approved Washington Initiative 502 or marijuana reform policies, wherein licensed possession, selling, manufacture, distribution and use of the drug by people aged 21 and over is already allowed, no one is still permitted to drive if the level of alcohol and/or marijuana in the blood is over the limit set by federal law. The federal law limit is 0.08% BAC for alcohol and 5 nanograms of THC (delta-9-tetrahydrocannabinol, marijuana’s main psychoactive ingredient) for marijuana.

Drunk-driving, marijuana possession (in great quantity) and use still become more dangerous when committed by a motorcycle rider. Besides the much higher risk of accident, the injuries a motorcycle rider may sustain are more severe and can even be fatal. This is because riders have very minimal bodily protection that would protect them during impact in the event of a motorcycle accident.

Having a good time with friends may involve a few drinks, but always make sure that you have a safe way to get home. No matter how good a driver you may be; if you drink and/or use marijuana more than what is allowed for drivers, there is a great possibility that you’ll end up in jail or in a hospital bed (hopefully not in a casket). It’s small decisions like this that can save you, your family and friends a lot of money, time and grief.

Spanking and Behavioral Problems

We often hear about the correlation between spanking and child behavioral problems. News sources cite studies that support this idea. Unfortunately, though, this information may be misleading. Several articles are often written from the same, small piece of research.

Having said that, there are several large studies that all say spanking causes behavioral problems.

A 1997 study by three psychiatrists surveyed 807 families over the course of two years to examine the effect of spanking on antisocial behavior specifically (such as fighting, stealing, bullying, or generally mistreating others). This longitudinal research found that the frequency of spanking had a strong positive correlation with antisocial behavior (ASB) two years later. Basically, the more often the kid was spanked, the more antisocial they were a few years down the road.

A 1998 study which also focused on ASB studied 933 mothers and children, and found that there was a strong correlation between corporal punishment and increased antisocial behavior. Corporal punishment was defined as a slapping on the rear or the back of the hand of the child in this study.

Conversely, some scholars believe this data is simply unreliable because they do not compare spanking with other punishment methods. A 2010 replication of a 1988 study which found a correlation between spanking and aggression found that, once adjusted for biases and confounding factors, the correlation was reduced to becoming statistically insignificant.

We can determine from this that although there is no solid proof that spanking will turn a kid into a heathen, the fact remains that larger studies either find a significant positive correlation between antisocial behavior and aggression or a slight (meaning statistically insignificant) correlation.