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Financial Responsibility, which requires individuals to prove their capability in paying for damages in accidents wherein they are at fault, is a law in all 50 states in the U.S. Showing financial responsibility may be by carrying auto liability insurance or, in lieu of insurance, by posting a bond or depositing cash with the state or by paying the state-required uninsured motor vehicle fee to the state’s Department of Motor Vehicles (DMV).

A driver needs to show proof of financial responsibility in about four instances, when he or she: gets pulled over by a police officer; gets involved in an accident; renews his or her car registration; and, renews his or her driver’s license.

The most common way of demonstrating proof of financial responsibility is by carrying auto liability insurance. In 38 states, the type of insurance coverage recognized is the tort system, wherein victims of accidents have the option to file a civil lawsuit against the at-fault driver and wherein compensation is paid to the victim by the at-fault driver’s insurance provider. These 38 states are otherwise known as “tort” or “fault” states. The twelve other states, also called “no-fault” states, recognize the “no-fault insurance coverage. Under this insurance policy, the filing of a lawsuit no longer required since payment for losses and damages (including cost of medical treatment, lost wages, etc.) are made by each driver’s insurance provider regardless of whose fault the accident is. The 12 states where the “no-fault” auto insurance coverage is required are Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota, and Utah. (In New Hampshire, though drivers have the option to purchase the tort insurance policy, the state does not really mandate drivers to do so; depositing securities or money with the state treasurer or filing an SR-22 is all that is required by the state. In the state of Virginia, on the other hand, paying the state’s Department of Motor Vehicles (DMV) the required uninsured motor vehicle fee, or depositing money or securing a surety bond, are state-accepted alternatives to having auto insurance coverage.

Drivers who will be caught without insurance can face fines, suspension of driving license and may even be required by courts to carry an SR-22 filing, which means much higher insurance premium for the next three years.

In order for drivers to find the policy that would provide them the insurance coverage that they need without paying more than they can afford, free online quotes are made available by certain law firms. Some of these firms, like Habush Habush & Rottier S.C. ®, for example, offer as many as a dozen different quotes; these firms also provide quotes for other insurance needs, including SR-22.

Types of Bentonite Clay

Bentonite clay is a claylike rock that formed from volcanic ash spewed into ancient lakes or seas. After filtering through the waters, it gathered up a number of pure minerals that created a layer of exceptionally-mineral rich clay that settled on the ancient seabed. Bentonite clay is just one among the 7 types of clay that can form from volcanic ash, and this type of clay possess microscopic layers that enables absorption and adsorption abilities. This makes bentonite clay a good alternative for detoxifying.

It is important to know, however, that there are two types of bentonite clay: the swelling bentonite or sodium bentonite clay and the southern or calcium bentonite clay. Both of these contain montmorillonite, the major component that gives it its clay-like nature. One type of bentonite clay is safe for consumption, while the other is mainly marketed for commercial use. In an article discussing different types of clay, Livestrong.com states that it “is highly absorbent, and is able to hold several hundred times its weight in water. This quality makes bentonite clay suitable as a liner for artificial ponds and koi ponds.”

Sodium bentonite has strong absorbency and propensity to clumping, which leads to it being used as sealants, liner for toxic waste lagoons and deserted oil and water wells. It is also used in drilling, clumping and bonding agents for cosmetics, cat litter, and medicines. Studies are being done to see the possibility of sodium bentonite to absorb and remove E. coli from affected food.

Calcium bentonite is the one that is generally used for consumption. Referred to as “living clay”, it has been used by various cultures for its health benefits for thousands of years. Beliefs of ingesting the calcium bentonite clay have been shown to help detoxify and cleanse the body of unwanted toxins, and helps improve the immune system to fight off infections and possible illnesses. According to Earth’s Natural Clay, using bentonite healing clay either externally or internally helps balance the ph level of the body through ion exchange.

The antibacterial properties of bentonite healing clay has lead many researchers and scientists to determine whether it can be used effectively to combat pathogens and other harmful bacteria that can possibly lead to serious health conditions and complications. Nevertheless, it is still vital to first consult your doctor regarding healing clays before using them to ensure that you will not be put at risk and to understand which healing clay would give you the best health benefits.

Medical Malpractice: Common Surgical Errors

Every professional working in the field of medicine is carrying a huge responsibility. Since the public comes to these professionals to seek out answers for concerns surrounding their health and well-being, physicians, nurses, and other individuals working in the health care industry are recipients of an implicit trust that cannot be broken. In other words, their profession holds them to a certain standard. Failure to meet these standards can lead to catastrophic outcomes, and so should be avoided at all costs.

This doesn’t mean that medical professionals are immediately held liable for errors they make. However, according to the website of The Law Offices of Jeff Benton, if these errors have been made due to negligence and reckless behavior or decisions, these professionals can be found accountable for committing medical malpractice. In surgery, errors can be constituted as medical malpractice if they lead to outcomes that go beyond the possible risks associated with the procedure being done.

There are many factors that contribute to surgical errors and medical malpractice. Aside from a surgeon’s incompetent and negligent oversights during the procedure, one of the most crucial contributing factors is the lack of sufficient pre-operative planning. It’s important that doctors are familiar with a patient’s entire medical history in order to avoid any treatment plans and procedures that may not work well with their current condition. Without proper pre-operative planning, a doctor might end up prescribing a course of action that will end up exacerbating a patient’s current condition. A certain surgical procedure might not work the same way for two different patients.

Neglect in post-operative care is another crucial surgical error committed by health care professionals. A patient isn’t automatically treated after his or her surgery is finished. Any procedure will require a certain amount of time for recovery. Failure to keep a close eye on a patient during this post-operative care period can lead to complications that could otherwise be addressed immediately.

According to the website of Crowe & Mulvey, LLP, consequences of surgical errors include strokes, paralysis, and brain injury. It is common for negligent surgeons to leave surgical material inside a patient’s body cavity, leading to infections, bleeding and other potentially fatal complications.

The Role of Highway Defects in Car Accidents

Statistics show that car accidents are a great cause for concern, especially in America. According to data from the United States Census Bureau, an average of 10.6 million motor vehicle crashes was reported every year from 2006 until 2009.

Considering such overwhelming figures, it’s easy to understand the pressing need to address the many factors contributing to dangerous roads and highways. The National Highway Traffic Safety Administration or NHTSA had identified that roughly around 3/4 of these noted accidents were caused by driver negligence and errors. The website of the Lake Geneva car accident lawyers at Habush Habush & Rottier S.C. ® also points to other causes such as drunk driving and mechanical malfunctions.

There is, however, another common factor to the growing number of car accidents in America. Highway defects and dangerous road conditions also play into the staggering numbers of crashes in recent years. Poorly maintained roads can do a lot to aggravate the effects of car crashes and other vehicular accidents. Hazardous conditions on roads and highways can pose plenty of risks to even the most careful drivers. Just about any Louisville personal injury attorney would tell you that poor maintenance and construction can lead to dangerous conditions such as shoulder-drop off, potholes, water pooling, uneven pavements, obstructed signs, and flimsy guardrails. All in all, these hazards can typically be traced to construction negligence and municipal negligence.

Municipals and other local government units are responsible for ensuring that the roads in their area are properly constructed and maintained. It’s crucial that highways and roadways meet particular safety protocols and standards. It will be their responsibility to ensure that the construction firm that works on the roads is meeting these regulations and that construction plans are properly mapped out and executed according to the law.

Accidents at Amusement Parts: Who Should Be Held Liable?

Amusement parks are very popular destinations during the summer months. Millions of people find themselves visiting the roughly 400 parks and attractions all over the United States. Many of these visitors are families, coming in large groups often accompanied by small children. This popularity isn’t surprising, considering that amusement parks offer many different activities and attractions that can be enjoyed for by people of all ages. Unfortunately, the enjoyment that can be found in these destinations can easily be eclipsed by accidents that can happen at any moment. According to the website of Williams Kherkher, amusement park accidents are the traffic effect of facilities that lack proper maintenance and upkeep.

Accidents that take place in amusement parks are usually caused by mechanical failure, negligence in the part of ride operators and other members of the park staff, as well as rides that have been poorly designed. In all these scenarios, it’s clear that dangerous situations could be easily avoided if the establishment owners are able to follow proper safety protocols in maintaining and operating their premises. Failure to do so will leave them accountable to any accident that may occur due to their negligence or oversight.

Incidents that cause injury in amusement parks will fall under an area of law called premises liability. By operating an amusement park and welcoming patrons to come to the premises and enjoy its facilities, owners are implicitly claim their responsibility in making sure their venues meet the basic safety requirements mandated by law. Falling short of these requirements, property owners are held accountable for any accident that may gravely injure their patrons. Aside from amusement park accidents, the website of The Mokaram Law Firm provides other examples of premises liability incidents: elevator and escalator injuries, porch and stair collapse, swimming pool injuries, and accidents that occur due to inadequate security within the premises.

Whether an accident occurs in an amusement park or some other public venue, victims should know that they have the right to pursue appropriate legal action and seek out financial assistance from the parties responsible.

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