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Personal Injury

There has long been a culture of claiming compensation in the United States of America, and that culture is showing zero signs of easing up. Actually, recent statistics show that the polar opposite is in fact taking place with more and more personal injury claims being made. Whether this is fantastic news, though, completely depends on where you are standing and in which direction you are looking. But we aren’t just talking about the point of view of victim versus insurance company, or even the person being sued, because there are so many other considerations to take into account, just visit Robins Cloud for more information.

Anyway, the very term ‘compensation culture’ implies that there is a huge number of claims for compensation which aren’t necessarily justified, and are in fact ambitious and fraudulent attempts at making money out of something completely accidental. In the past we have heard phrases like ‘crash for cash’, whereby people are deliberately crashing their cars into innocent driver’s in order to start a compensation claim and receive a hefty payout. This is wrong. But the other big problem with this sort of fraudulence is the effect it has on genuine claims. In short, it is becoming harder and harder to determine what claim is real and what is a bogus attempt at quickly pocketing enough money to put down a deposit on several houses.

What’s more, there are more and more areas of a genuine victim’s life that need to be addressed nowadays. When someone is involved in an accident, there are a vast amount of repercussions that need to be taken into consideration. For example, there are the direct injury costs, the cost of medical care, the loss of earnings (both present and future), psychological stress compensation, the possible increase in insurance premiums, and these are just those that can be measured easily.

On top of this, there are other forms of damage that need to be carefully addressed, things like emotional harm and mental disruption, areas of damage that can’t be measured physically. And as such, these areas are becoming more and more exploited because they are easier to fake. All someone has to do is state they need to see a councillor, and then visit once a week for so many weeks and there is nothing a court of law can do to prove they are bogus. But we will get to this a bit later on.

First, we want to go through some of the landmark cases that has encouraged this compensation culture to spread across the world, not just America.

USA – 1992

This case became world-famous after a woman sued McDonald’s after she bought a cup of coffee from one of their drive-through outlets. What had happened was, after she made the purchase, she tried to remove the lid in which she spilled the entire contents of the coffee onto her lap. She was subjected to extreme scolding and spend eight days in hospital undergoing skin graft operations on her thighs, backside and groin. This was followed by two-years of medical treatments. The grounds on which she won the case was that the coffee served at McDonald’s was far too hot and thus far more likely to cause severe harm that other restaurants. She won an astonishing $2.86 million in compensation.

Australia – 2007

A woman successfully filed a workers’ compensation claim after causing damage to her own face with a lamp during intercourse in a hotel room while away on business. Whilst her employers rejected the claim on the grounds that intercourse was not an ordinary incident of an overnight stay, the court granted her compensation on the grounds that no approval, express or implied response of the woman’s conduct was required and that the company had to deliver the benefits package as they had rented the room.

USA – 2011

A woman was awarded compensation after tripping over her dog while walking to her own garage. The reason this claim was successful was due to her being employed as a decorator by a big home decor company and given she was headed to her garage to collect some sample fabrics, it was deemed her home to be a work environment. Don’t believe us, just look here.

With legal decisions like this setting precedent in courts of law around the world, it is easy to understand why some people wouldn’t try and claim compensation for certain accidents. It also means, governments need to act quickly to establishing new laws that will prevent a queue of similar claims taking place, such as a legal obligation to state that the contents of a coffee cup may be hot.

What does the rise in claims mean for premium prices?

Whether or not it has anything to do with loopholes or wiggle room, there is absolutely no disputing the fact that the number of claims has increased year on year. Even if you take into consideration the growth in population, the number of claims is still rising rapidly. This has seen something else mimic the rise, and that is the consistency in which insurance companies are raising their premiums. It is a logical step. The more people that claim, the more likely they will have to payout, the more they will have to cover their risks. As such, insurance companies have raised premium costs as a way of ensuring they have enough money in reserve in the case of any personal injury claims that may be awarded.

This is where the divide in perspective has been encouraged. Some believe this is a completely logical and necessary precaution that needed to be taken by the insurance companies, while others blame the rise in our compensation culture on bogus and ambitious claims. However, in order to cast a bit of positive light on those feeling hard done by when it comes to their rising premiums, think of it this way; should you ever need to make a personal injury claim, you are much more likely to be offered a hefty out-of-court settlement. Whether you agree with this cor not, it is how the industry seems to operate at the moment.

Time to address the fake and ambitious claims we touched on earlier.

While there is no questioning the rise of legitimate claims, there has also been a sudden spike in fake claims too. These are essentially little more than audacious attempts to con the system out of paying them undeserved money, and the recent rise has seen government organisation and insurance companies work together in a bit to stop this trend gaining any more traction. It is worth noting, though, that whilst terms like ‘crash for cash’ have become common terms, the actual figures churned up through detailed research suggest that the rise in fake claims hasn’t been as substantial as hearsay, gossip and the media would have you believe. This means that most of the compensation paid out to victims is done so legally and in spirit of what they truly deserve.

So why the growth in compensation claims?

As with most things in life, we can only offer well-thought out but speculative theories. However, the most dominant of those theories, which accounts for the most substantial reason for growth is to do with introduction of new laws. We now live in a society that is dictated by rules and regulations, and the room to play is not like it was a couple of decades ago. Everything needs to come with a warning, whether that be a do not eat sticker or a not suitable for under 6 sign. In short, our lives are dictated by health and safety regulations. They have just become stricter and stricter with each passing year. The standards have been increased and tightened. But while this was intended to reduce injury, it has had an adverse effect when it comes to injury claims, and that is because employers now have a legal responsibility to protect their employees right across the board and in almost every aspects of their lives. As we all know, though, accidents happen. It does not matter how many precautions you take or how many stickers you cover the windows with or how much training you give out each month; accidents happen. By it’s very definition, an accident is something that happens unintentionally and unexpectedly, yet by enforcing more and more rules we have provided victims with better grounds to sue on.

It is easier to make a claim against an employer than ever before; it is as simple as that. But if that was enough substance to answer the question of why the rise, well, the majority of all personal injury claims are made up of work related accidents or injuries. Put two and two together and we have a rise in compensation claims and a rise in the costs associated with them.

Another spike that has been noted by industry researches has to do with our roads. They have become busier. There are more cars and more cars means a greater chance of accidents and the more accidents the more claims. The biggest of these are whiplash claims, and that is because whiplash is caused by unexpected jolt involving your neck and back. More payouts for whiplash, the more the premiums go up. It is simple math.

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Student @ Advanced Digital Sciences Center, Singapore. Travelled to 30+ countries, passion for basketball.

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How To Improve Your Credit Score

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Improve credit score

Your credit score is one of the most important things you have in life as it can determine how much money you can borrow. It is something that will be analyzed to determine your affordability for large purchases such as a house, car or if you want to put an item like a phone or expensive watch on finance. Your credit score can be bad for a number of reasons, such as if you have large amounts of debt, if you miss payments or are not on the electoral roll. If you find yourself being contacted by skip tracing for late payments, this will also have a negative affect. To avoid this from happening, it is important to try and build up your score. Whether you have a low score now that you are trying to improve, or you are looking to build your score to the best it can be as you will soon be applying for a large purchase, here are some ways that you can improve it in no time.

1. Keep your credit utilisation low

It is important to keep your credit utilisation low so you don’t look like you rely solely on credit. Credit should be to boost your finances and not something that you solely depend on. You should always try to use less than 50% of your credit utilisation so it shows this. If you can keep your credit usage below 25% of the limit that is the best way to improve your score. If you have used quite a lot of credit it could be worth upping your limit (but not spending any more on it) so it means you are within your 50% limit.

2. Make your payments on time

Late payments are a massive no-no when trying to improve your credit and can stay on your credit report for up to seven years. This is why it is so important to ensure that you make your payments on time, every single month. If you find that you forget to make payments on time, why not try setting up a direct debit that takes the money straight from your account and pays the other debt off? This way you don’t need to remember to do it yourself every month and will make sure that you never miss a payment.

3. Build your credit history

If you don’t have any credit, then it is a good idea to get some so that companies can see how well you pay bills and debts. Why not get a credit card with a small limit and pay it off in full each month? Or take out a phone contract that is in your name? Also make sure that you get on the electoral roll. This is often a problem that a lot of young people have regarding credit but can easily be built up with a few steps.

These are just a few of the ways that you can improve your credit score. By implementing this you will find that your credit score will soon improve and help you with future financial applications.

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Would you like getting paid to take surveys?

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Taking paid surveys are one easy way to make money in EEUU because you can work at home. The actual social and laboral situation is being difficult to find a job. You can see the positive side: you have a good opportunity to get paid to take surveys.

Honestly, you will not be absolutely rich even if you don´t have a good personal situation but it´s a good way to make money. And if you live in EEUU, you are lucky because this job is better paid than other countries.

Many companies stay in USA and many market studies are done around the country so it is the place where more money are given to people who do the survey completed. The brands want to know what people are talking about, what are their opinion about one product, how is their life, etc. And the paid surveys are a good way to find out it. While more specifics are the answers, the results are getting better for the companies who will be closer than their public objective.

Would you like working to get paid to take surveys? Pay attention to this.

How to apply for paid surveys work

If you are interested in working to get paid to take surveys, you must to login in a sure platform and register. It´s completely free. Once you sign up, you have to wait for an email be sent you, so you need to check the account inbox serveral times.

You need to answer some questions about you because it´s important to create one profile and they can send you questions according to your personality depending on your preferences. One tip is you can answer the questions as precise as possible. On this way, your possibilites to get the job are higher. When you finish to fill your personal information, just wait.

How paid surveys work

You will be better paid in EEUU than other countries. To be honest, you will not be rich taking surveys but it´s extra money if you need anytime. So, get away those  companies that promise you earn a lot of money with paid surveys because its not so. When you do the first survey, you will be paid with from $1 to $4. It´s not too much but enough money to help you.

There are a lot of places where you can apply but don´t trust those that promise you earn a lot of money taking paid surveys because it´s not real. You can check, for example, the web https://topencuestaspagadas.net. They show you some safe places.

Getting paid to take surveys is a good way to earn money in EEUU. Many companies are making products every time and they want to know the public´s opinion before the product is sold. This is your opportunity because in EEUU nothing is stopped. So if you want extra money, just apply.

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The Cheapest Places to Upsize Your Home Revealed

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Does it feel like you’re seriously lacking in space in your current home? Do you find the clutter has taken over your life simply because you don’t have enough storage space? Do you and your family members feel as though you’re living on top of each other with little to no privacy? If you’ve answered yes to these questions, then there’s a good chance you’re already convinced it’s time to upsize your home. But what if you can’t or don’t want to upsize the budget? Can you upsize your home in an affordable way?

With that in mind, here’s a look at some of the cheapest places in the UK where you can upsize your home.

Orkney

Top spot goes to Orkney, which is not only a great location for upsizing but offers all kinds of other benefits to residents. It’s here that you’ll be able to take advantage of a bigger living space without having to inflate the budget exponentially.

As an in-depth article by deacon.co.uk – a specialist buildings insurance provider – points out, it is often called the happiest place to live. Residents consistently point out their high quality of living, low crime rates, school class sizes in the primary years are low. It’s rare you’ll find anything that would be classified as a traffic jam, there is plenty of open land and wide-open spaces, and you’ll be treated to some of the most exceptional natural scenery in the world.

Richmond in North Yorkshire

Another great location to research is Richmond in North Yorkshire. It features many of the same draws as Orkney does, but this time you will be located in England. The cost of living is more reasonable than many other areas of the UK, house prices are still affordable, the crime rates are low, and you’ve got a robust nightlife and entertainment scene that you can explore.

Rutland in the East Midlands

If you like that quiet kind of setting that is filled with history and fabulous architecture, then you may want to consider Rutland, which is the smallest county in Britain. There are plenty of rolling hills, the River Welland, a lot of agricultural lands, and is a drivable 164 km from London (ideal for a weekend getaway).

Hambleton in North Yorkshire

Hambleton is located in England’s northern regions with Northallerton being the largest town in the district. The district is dotted with small towns and villages, is known for its agricultural lands, and even got the title as the “best place to live in Yorkshire” a few years back. This title was based on life expectancy, overall health and wellness of residents, personal well-being, weather, crime rates, and employment.

Other Notable Places to Consider

And if you’re still not sold on the places listed, other affordable areas that you can potentially upsize your home include Eden in Cumbria, Westminster, and Richmond-upon-Thames. Each has its own unique personality and list of benefits. No matter which of these locations you pick, there’s a good chance you’ll be able to fulfill your goal of branching out and upsizing your home to something that is more functional and liveable.

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