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In Response to the Lack of Legal Knowledge, MHK Attorneys Writes New Book to Educate Stroudsburg Car Crash Victims After They Are in an Accident and Need Advice

January 28th, 2012 · Insurance


Stroudsburg, PA (PRWEB) January 26, 2012

MHK Attorneys helps those who have been injured or have lost a loved one in a Stroudsburg car crash. They help their clients understand that through the pain and suffering, both physically and emotionally, they may be entitled to damages.

MHK Attorneys exists to make sure that consumers don’t let the insurance company win on a technicality. Instead, they educate their clients about the “10 Biggest Secrets to Winning Your Pennsylvania Car Accident Case.” Their best advice: learn from other people’s mistakes, and learn how to protect your rights.

If the Monroe County truck accident or car crash claim is successful, then the client might be able recover damages for past and future medical bills, rehabilitation costs, out-of-pocket expenses, lost income and pain and suffering.

Don’t sabotage your own case, and don’t let your actions be the reason that you don’t recover the damages that you deserve.

MHK Attorneys have successfully represented many Stroudsburg truck crash victims, and have witnessed mistakes people have made before hiring an attorney. They want to pass this information and our tips to Pennsylvania accident victims free of charge. MHK Attorneys maintain offices in Northeastern Pennsylvania including Scranton area, the Poconos, and the Lehigh Valley and are committed to helping people who have been injured.

Their book has been written specifically for people involved in Stroudsburg car accidents. They hope that it helps you protect citizens’ rights to compensation from their accident injuries.

MHK Attorneys is a progressive Pennsylvania Law Firm specializing in the following areas of practice: Auto Accidents, Social Security Disability, Workers’ Compensation, Criminal Law, and Family Law. Free Books and Information before you hire an attorney!

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North Carolina Workers Compensation Lawyer Points Out Leading Causes of Workplace Injury Costs

January 28th, 2012 · Insurance


Raleigh, N.C. (PRWEB) January 27, 2012

The new Workplace Safety Index by insurance company Liberty Mutual Group, Inc., shows the heavy financial burden that can result from workplace injuries, North Carolina workers compensation lawyer Ben Cochran said today.

According to the Index, the most disabling, non-fatal workplace injuries and illnesses in 2009 accounted for a staggering $ 50.1 billion in direct workers compensation costs.

In fact, the top five injury causes overexertion, fall on same level, fall to lower level, bodily reaction and struck by object resulted in nearly $ 36 billion in costs, or 72 percent of the total cost burden, the Index showed.

Fortunately, our states workers compensation system provides a way for injured employees to cover their individuals costs, including funds that pay for medical bills and partially compensate for lost wages, said Cochran, a partner in the Raleigh accident and injury law firm of Hardison & Cochran, Attorneys at Law, and a Board Certified Specialist in Workers’ Compensation Law.

However, the rules and regulations governing workers compensation claims can be very complex, said Cochran, whose firm assists injured and ill workers throughout North Carolina, including Raleigh and its surrounding areas.

Thats why its important to work with an attorney who can help navigate your claim through the system and make sure you secure the benefits you need and deserve.

Liberty Mutual bases its Workplace Safety Index on data from the U.S. Bureau of Labor Statistics, National Academy of Social Insurance and its own workers compensation claims on injuries causing at least six missed days of work.

The 2011 Index is based on labor statistics from 2009 the most recent year for which data is available. The index ranks injuries by their direct costs.

According to the Index, the five causes of disabling injuries in 2009 were:

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InsuranceHotline.com Offers Top Driving Tips for New Drivers

January 28th, 2012 · Insurance


Toronto, ON (PRWEB) January 26, 2012

Learning to drive is a process that doesnt end when you get your license. Even after passing a driving test, new drivers still have a lot to learn, and need to focus on improving and honing their skills every time they drive. Safe driving goes beyond knowing the basics, so here are some important tips from InsuranceHotline.com to help new drivers, whether young or new to Canada become better drivers faster.

Avoid Distractions on the Road

Both new drivers and veterans should heed this advice, but for an inexperienced driver who has not yet developed the reflexes of a long-time driver it is even more important. Staying focused on what you are doing is the most important thing to consider when you drive. Avoid these common pitfalls:


Dont eat or drink while driving, keep hands on the wheel
Dont use cell phones or other electronic devices while driving.
Remind friends or family members that full concentration is required and ask them to be quiet.
Avoid trying to change CDs or change radio stations while driving and keep music at a reasonable volume.
Dont attempt to assist children or other people in the car while driving pull over if necessary.

Distractions while driving are a top cause of accidents. Some of these things such as using a cell phone are also illegal and can result in a ticket. Both tickets and accidents can mean increased car insurance rates, and in some cases legal repercussions as well.

Be Aware of What is Around You

Good drivers are always aware of other vehicles, pedestrians and road conditions so that they are prepared to respond to sudden moves or changes. Make a habit of paying full attention and noting things that are potential hazards to slow down in response or be ready to stop if necessary. A few of the things to be aware of while driving include:

School zones or playgrounds where children might be present.
The possibility of slippery road conditions including black ice.
The location of other vehicles on the road.
Changing traffic lights up ahead.
Pedestrians who may jaywalk.

It is up to the driver to respond appropriately to the road conditions and things happening around their vehicle, says Tammy Ezer from InsuranceHotline.com. But it takes time and practice to become instinctive. New drivers need be extra vigilant and aware; an accident on their driving record can cause increases in auto insurance rates that are already higher for inexperienced drivers. Sticking to these tips will help people become a better driver now and for the future.

About: InsuranceHotline.com is a free online insurance rate comparison service that directs consumers to its large network of more than 30 insurance companies and licensed insurance professionals and provides quotes based on the lowest rates available through its network. In business since 1994, InsuranceHotline.com does not sell insurance, is not a licensed broker, and is not owned in whole or in part by an insurance company, agent or brokerage; ensuring consumers get a truly unbiased quote.

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Foremost Launches Upgraded Auto Program in Illinois

January 27th, 2012 · Insurance


Grand Rapids, MI (PRWEB) January 26, 2012

Foremost Insurance Group announces their enhanced Auto program is now available in Illinois. The Foremost

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MyTownInsurance.com Unveils the Big TOMA Disconnect in Insurance Internet Marketing

January 27th, 2012 · Insurance

Ft Lauderdale FL (PRWEB) January 25, 2012

It is no exaggeration to say that most major sporting events are underwritten by insurance companies. Top of Mind Awareness or TOMA is serious and expensive business within the industry, and for good reason. It is not unusual for an insurance carrier to have an annual advertising budget in excess of 750 million dollars, most of which is ear marked for TOMA ads. Unfortunately there is a big disconnect between a companys marketing efforts and what consumers actual do when its time to shop for insurance.

Its an accepted industry statistic that more than 75% of all insurance consumers begin their search for insurance on-line. Its also a fact that people will, more often than not, comparison shop whenever they are in need of purchasing insurance. Comparison shopping has proven to be even more common in these hard economic times.

Here is the Big Disconnect:

Since the majority of all insurance products, i.e. home, car, life, health and business are produced by the captive and independent agency distribution channels, the current portfolio of on-line multi-rating and lead generation consumer portals fail to effectively leverage an insurance companys TOMA ad dollars. They also violate the two basic rules of insurance marketing 101, which are:

1.

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Bobby & Steves Auto World Saves $25,000 in Fuel Costs with NexTraqs Fleet Tracking

January 26th, 2012 · Insurance


Atlanta, GA (PRWEB) January 26, 2012

NexTraq, the value leader of GPS fleet tracking and vehicle management solutions, announced today that its client, Bobby & Steves Auto World saves more than $ 25,000 annually within its 24/7 towing operations while also holding drivers accountable for submitting correct receipts for customer pick-ups. Additionally, the customer-centric auto service company implemented NexTraqs Fleet Dispatch to ensure drivers arrive at a service call as quickly as possible.

Mike Duzan, Automotive Operations Director for Bobby & Steves Auto World, said, We looked at two GPS fleet tracking companies, and decided on NexTraq because of the platforms extensive reporting and tracking capabilities.

Duzan said, The reporting functionality lets us pinpoint fuel information and we can attribute a savings of $ 25,000 in fuel costs annually within our towing fleet.

The Fleet Dispatch application lets Duzan know exactly where his drivers are and that they have responded promptly to a service call. It also provides his crew with voice-guided, turn-by-turn directions when going to a pick up location.

Mike Scarbrough, CEO of NexTraq, said, Our fleet tracking platform gives our customers the tools they need to substantially save in overhead costs, whether its fuel, maintenance or insurance. With new fuel report functionality, we had taken our technology one step further, simplifying our customers fleet operations.

For more information on the NexTraq Fleet Tracking platform, its applications Fleet Mobile, Fleet Metrics and Fleet Dispatch, please visit http://www.nextraq.com or call us at 800.358.6178.

About Bobby & Steves Auto World

Established in 1954, Bobby and Steve’s Auto World is a company dedicated to serving its guests with fast, friendly and convenient service. They offer many services including 24-hour convenience and gas, 24-hour towing, everything ‘under the hood’ automotive repair, a Chevy Grille, and a car wash to name a few. For more information, please visit: http://www.bobbyandstevesautoworld.com/index.cfm.

About NexTraq

Established in 2000, NexTraq provides the highest value GPS fleet tracking solution in the telematics industry. The NexTraq platform is a cloud-based application that enables service and distribution businesses to optimize fleet operations while reducing operational costs and maximizing revenue. Based in Atlanta, NexTraq customers achieve ROI in as little as one month. For more information, please visit http://www.nextraq.com.

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The Answer To Traffic Tickets

January 26th, 2012 · Insurance

The Answer To Traffic Tickets
Total Freedom While Driving
The Answer To Traffic Tickets

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Texting While Driving Leads to Increased Insurance Rates, New Study Shows

January 26th, 2012 · Insurance


(PRWEB) January 25, 2012

Online auto insurance quotes provider 4autoinsurancequote.org released a study which reveals that insurance rates are rising due to the increase in texting while driving. The study found that both texting while driving traffic citations and cell phone related accidents can cause monthly premiums to go up.

As part of the study, 4autoinsurancequote.org found that fatal traffic accidents caused by drivers distracted by their cell phones have almost doubled since 2005. According to the company, the National Highway Traffic Safety Administration reported that distracted driving accidents saw a marked increase in 2008, when texting found its way into the mainstream. The following year, distracted drivers were at fault in 24,000 injury accidents and caused 1,000 fatalities.

When conducting this study, the company found that those who text and drive place themselves and others in danger due to three specific factors. First, drivers are visually distracted, as they remove their eyes from the road in order to read incoming texts. Secondly, drivers are cognitively distracted, as they are thinking about the content of the text message rather than their surroundings. Lastly, drivers are limited in their ability to drive safely and to react quickly when they remove their hands from the wheel.

Though the risks of texting and driving are apparent, many drivers admit to continuing with this practice. During the study, 4autoinsurancequote.org learned that nearly 10 percent of the driving population in the United States text and drive on a regular basis. According to the CDC, drivers who fall between the ages of 18 to 29 admit to texting while behind the wheel at least once per month, while a full 25 percent of those in that age group state that they habitually text and drive.

The study found that because of the high incidence of accidents caused by distracted drivers, as many as 35 states as well as the District of Columbia and Guam have enforced strict regulations related to texting and driving. In many states, it is now illegal for drivers to text while behind the wheel and law enforcement officials may cite any driver that is visibly seen conducting this practice. In some states, law enforcement agents may stop drivers who are texting even if no other offenses are being committed.

Because texting and driving causes serious accidents every year, being issued a ticket for this offense can cause the driver to be viewed as an insurance risk. Thus, the monthly premium can escalate very quickly. 4autoinsurancequote.org has learned that the insurance industry is not only raising premiums for those drivers who text behind the wheel, but the industry as a whole is attempting to curb the practice altogether. The industry suggests blocking text messaging services while driving by installing text-blocking apps on phones or installing sensor devices in cars that block signals on cell phones.

4Autoinsurancequote.org is a car insurance company operating out of New York, NY. Operating since summer of 2008, 4autoinsurancequote.org’s goal is to become the leading destination for auto insurance quotes in the United States.

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Product-Insure.com Now Taking Applications Throughout California

January 26th, 2012 · Insurance


Woodland Hills, CA (PRWEB) January 25, 2012

Product-Insure.com, a site dedicated to providing Product Liability Insurance quotes for California based businesses, is finally live and running. The site is owned and managed by Brilliant Insurance Services, a specialty commercial insurance brokerage based in Woodland Hills, CA. Granted, the site is still in a very early stage, but the agents at Brilliant Insurance Services are ready for quoting.

California Product Liability Insurance quotes dont have to be hard to obtain, says Julie Karubian, CFO of Brilliant Insurance Services “these risks are fun to quote, seeing as each product I quote is different from the last…” Sure, how fun can insurance be? Apparently it can’t get more interesting to Julie. “Whether or not the product is imported or made here in the U.S., this keeps me going – as I feel I am doing my part to keep the public as well as the interests of my clients protected”. We insure a considerable amount of Product liability insurance in California, Julie remarks. According to Julie, the fact that the Port of Long Beach is a huge point of entry for products being imported into the country, makes the need for product liability insurance a local necessity. Her secret, product knowledge most agents out there sell home & auto, or life & health, but only well trained and studied brokers can sell this sort of insurance product with confidence. Julie adds, it really helps me to be on a first name-basis with my underwritersI insure some VERY interesting products.

What is Product Liability? The simple answer is a commercial general liability policy contains a section of coverage, that if underwritten properly, provides coverage if a product – that is used properly and for its intended use – results in bodily injury and property damage. The policy would also provide defense costs for the policyholder.

Who needs Product Liability Insurance? Importers, distributors, and manufacturers all need to carry product liability. Insurance for importers in California is very common, as it is the main gateway for products shipped in from the East, mainly China. Likewise, insurance for distributors in California is also a necessity. Believe it or not, once someone puts their label on a product, they are considered to be the manufacturer by the insurance companies and are underwritten and insured as such. Hence, product liability insurance for manufacturers in California, including food products, is a necessity.

When a person or business owner begins his or her search for a cheap quote for product liability insurance, he or she would probably turn to the internet to start the research. The problem is that the worldwide web is huge and many customers dont know where to turn to and what agencies write specific lines of coverage. For example, many insurance agencies say they do commercial insurance but really dont know much about the intricacies of coverage, like product recall, stock throughput, and food spoilage.

After being in business for over 10 years and insuring several hundred of these types of accounts, Brilliant Insurance Services decided to make the search for this specialty line of insurance more readily available to the small to medium sized business owner, especially when importation and manufacturing of products is such a hot button issue in the revitalization of the economy right now. So many insurance companies are hungry for this type of risk right now. We have seen considerable rate reductions. Furthermore, different carriers have different ways of pricing and our job is to get the best coverage we can at the best price adds Julie. Brilliant Insurance Services also takes the time to explain to our clients the differences in the myriad of Product Liability policies available such as an Occurrence Form policy versus a Claims Made policy. A client can make a much better decision as to which quote to purchase when they are properly informed by their broker, Julie points out.

It is quite probable that in the near future, Product-Insure.com and the folks at Brilliant Insurance Services would be getting licenses to quote outside of California. For now, customers seeking Product Liability in California are encouraged to call for a quote or visit the site. The website itself will undergo a massive change in the next several months, which will make the on-line application and purchasing of a policy more of a simplified process.

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Sparkman & Stephens 30 Daysailor Introduced for 2012 Deliveries by Bluenose Yacht Sales of New England – A Classic, Fast Performing, Beautiful Daysailor Under $150,000

January 25th, 2012 · Insurance


Newport, RI and Portland, Maine (PRWEB) January 09, 2012

Bluenose Yacht Sales, one of New England’s primary dealers for Beneteau Group’s Jeanneau and CNB Bordeaux 60 brands as well as C&C, Legacy, S&S 30, Cabo Rico and E33 is pleased to announce the new Sparkman & Stephens 30 daysailor.

The Sparkman & Stephens 30 originated by Olin Stephens in 1935 with a design called “BABE” and she went on to win off-shore and on-shore races. In 2005, Olin Stephens was asked what design he would like to see rebuilt and reintroduced using today’s state of the art manufacturing methods and construction and Olin stated that BABE was one of his favorites.

After several revisions and several years in the making the S&S 30 is now offered for summer of 2012 launch to a few select clients. With a pedigree from S&S that guarantees sailing satisfaction and classic good looks, the S&S 30 fulfills Olin’s wishes.

Glenn Walters, managing partner of Bluenose Yacht Sales stated, “We are very excited about this beautiful and more affordable day sailor that has classic lines, beautiful proportions and excellent sailing performances.” S&S design staff is working with a high quality domestic builder to insure quality standards are excellent and the new “BABE” conforms to the design criteria as desired by Olin Stephens.

While there are many other competing designs such as the Morris 29, Morris 36, Alerion 33, J100 and the Sabre Spirit, the Sparkman & Stephens 30 has longer waterlines and sail areas for exciting sailing performance with a traditional, classic profile. The interior includes a full head, forward V berth with privacy door, vanity sink, twin settees in the main salon and is powered by a Yanmar Saildrive. Call us for a pdf of full specifications.

S&S “BABE” HISTORY (provided by S&S)

“The yacht design branch of Sparkman & Stephens has a long and well-established history dating back to 1929. With notable designs such as Bolero, Finisterre, and several of the winning Americas Cup 12-Metres, the heritage of S&S is diverse. In addition to the well-known large sail and power yachts in the S&S design portfolio, we have also designed icons of family sailing such as the Lightning and Blue Jay. It is from this wide range of previous designs that we have drawn inspiration for the Sparkman & Stephens 30.

Our founder and long-time Chief Designer, Olin J. Stephens II passed away in 2008 at the age of 100. Earlier that same year, our team had been working with him on a design that he saw as his dream project. It was inspired by one of his all-time favorite projects a 30 wooden sloop built in 1935 for the Miami-Nassau race, Babe. The yacht was cutting-edge for the time, with a plumb bow and cut-off stern, as described by Rod Stephens. A well-defined keel and generous sail plan made her a competitive sailing boat, with very simple accommodations and minimal live-aboard comforts. The re-design was to be a traditionally built wooden boat, with double-planked construction and painted canvas decks. Design 0097-c1 was fully developed for a one-off build, with bronze deck hardware and custom portlights. We at S&S, felt the simplicity and back-to-basics approach that Olin took on the Babe project was a rare characteristic in yacht design today, where complex systems, hotel quality comforts, and skyrocketing build costs rule the roost. A return to the basic, reliable, yet beautiful, family daysailer and club racer is something for which every sailor in us is secretly looking. So, we have taken the original concept developed with Olin in 2008 and adapted it for production. Standard FRP construction techniques, quality off-the-shelf hardware, and essential on-board systems, combined with an affordable price tag, are the primary objectives for this modern boat with a classic appeal and excellent sailing performances.

Bluenose Yacht Sales, with offices located in Newport, RI and Portland, Maine serves each client with personal attention to understand your preferences, experience and intended use in order to find the right fit that will deliver years of fun and yacht excitement for friends and family. Bluenose Yacht Sales is committed to “Excellence with Integrity” and long term client relationships rather than excessive size that can compromise quality of service.

Call us to discuss this beautiful S&S 30 or perhaps how we might add value and assist your next new or brokerage yacht purchase OR if you are considering listing your boat. 877 – 695 – 6538.

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