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Archive by month: 2014-2Return
Car pools effect on automobile insurance: Employer liability
Since some employers sponsor or encourage the use of car pools, there has arisen the question of their possible liability for accidents involving these automobiles. It seems reasonably possible that a court might hold that this sponsorship of group riding somehow creates a master-servant relationship, making the employer liable either to members of the public or (apart from workers compensation recovery) to employees who have accepted rides at the employer's suggestion. Some states have f...
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| Categories: Auto | Tags:
25

The seven keys to refinancing a car

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The seven keys to refinancing a car
With historically low refinance rates, Americans have the opportunity to save money, even with car loans. Don't overlook the interest rate opportunity.  Car loan rates did not drop as quickly as mortgage rates, but they did follow eventually. According to Federal Reserve figures, the average rate on a four-year car loan was 6.72 percent at the end of 2009, but had dropped to 4.16 percent by the third quarter of 2014. Compare mortgage rates with auto refinance rates.  A new ...
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| Categories: Auto | Tags:
25

Car pools effect on automobile insurance: Injuries

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Car pools effect on automobile insurance: Injuries
Injury to Named Insured: In some car pools, one automobile is used all or most of the time, with the participants taking turns driving. The question frequently arises whether liability for injury to the owner of the automobile is covered, should he or she be injured while someone else is driving, and whether it is advisable to show each participant as an additional named insured. Under the provisions of most automobile policies, any person using the automobile with a reasonable belief of perm...
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| Categories: Auto | Tags:
24

Car pools effect on automobile insurance

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Car pools effect on automobile insurance
Every weekday, millions of Americans carpool to work or school to save money, preserve their vehicles and help the environment by reducing the number of cars on the road. The 2000 U.S. Census found that 15.6 million (12.2 percent) of all commuters carpool to work. What does that mean in terms of auto insurance to those who are carpooling? The exclusion of public or livery conveyances traditionally included in automobile policies has been a principal source of anxiety to insureds forming car p...
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| Categories: Auto | Tags:
Recognizing problems with snow on rooftops and how to help prevent a collapse
It’s important that homeowners, tenants and businesses be cognizant of the danger posed by heavy snow loads on roofs and the warning signs of potential structural weaknesses. Help prevent the likelihood of a structural collapse by removing snow from the rooftop. Flat and low pitched roofs, found on many industrial buildings and used in certain home designs, are at the greatest risk of buckling under heavy snow and ice accumulations. Lower roofs, where snow drifts or accumulates from hig...
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14

Written communication in workers' compensation

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Written communication in workers' compensation
Throughout the workers' compensation process there may be a need to frequently write letters requesting information from health care professionals, claims adjuster, broker, employees and others. Make sure that the communication spells out in sufficient detail exactly what kind of information you want in response. For example, if you ask a treating physician for “a statement about whether the employee can return to work” you are likely to get back a vague statement like “...
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Consumer-driven health plans show more patient involvement
People enrolled in consumer-driven health plans are more involved in their health care, according to a new report from the nonpartisan Employee Benefit Research Institute (EBRI). About 15 percent of the U.S. population, representing 26 million individuals with private insurance, is currently enrolled in a consumer-driven health plan (CDHP). Enrollment in a high-deductible health plan (HDHP) was around 11 percent and the enrollment in more traditional health insurance coverage was at 74 percen...
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