Top Michigan Auto Accident Lawsuit Mistakes and How to Avoid Them

These five mistakes are most often made by auto accident victims during a lawsuit, playing a crucial role in hurting good people with legitimate cases. This article is intended to help honest people avoid making innocent mistakes that insurance companies and defense lawyers can exploit to avoid responsibility for damages they owe.

Mistake #1: Waiting too long after your auto accident to talk to a lawyer

There is a one-year time limit to apply for benefits in Michigan for a first-party no-fault case. Michigan no-fault law covers important auto insurance benefits such as wage loss, medical bills and mileage, replacement services (chores, help with children) and attendant care (nursing services), based upon the severity of your personal injuries. In Michigan, medical bills are generally paid by the car accident victim’s auto insurance carrier. If you do not apply in time, you will not be able to receive your benefits.

In addition, when auto accident cases are referred too late, critical and debilitating injuries are frequently missed, and documentation of injuries is disregarded. Sometimes car accident victims don’t understand how serious their injuries are, and therefore, do not seek appropriate treatment. Treatment for personal injuries from auto accidents is not only necessary for proper recovery, but creates a record of the injuries, which is necessary to meet Michigan’s injury law for recovering damages in an auto accident case. Additionally, all car accident injuries (even minor ones) must be documented on your Michigan no-fault application for benefits. A person who suffers injuries in an automobile accident but who fails to give specific notice of each of those injuries to his no-fault insurance company within one year can later be barred from having the insurer pay medical bills.

Regarding a truck accident case, critical documents to prove liability can be destroyed within months. For example, if a truck was involved in your accident, a trucking company is only required to keep the bulk of their records concerning a truck accident – no matter how serious the injuries or even if someone was killed – for a very short period of time. The destruction of these and other incredibly important pieces of evidence in serious truck accident cases is not only legal, but commonplace. If a lawsuit is not filed in a timely manner, these documents that are vital to proving negligence on a truck company’s behalf will be legally destroyed, and that can devastate a truck accident case.

Mistake #2: Not considering first impressions and Internet activity during pending lawsuits

Everyone is entitled to their own opinions and beliefs, but auto accident victims with pending personal injury lawsuits should also remember that some opinions, whether political, religious or social, can offend or turn off jurors who do not share the same views. If there’s one universal truth about winning trials, it is this: Juries tend to help people they like, and tend to punish people they do not like. Plaintiffs in personal injury lawsuits must keep this in mind.

Please consider the recording you leave on your cell phone or answering machine. An insurance adjuster will likely be calling you repeatedly, and if she finds something questionable or offensive, it can affect how that insurance adjuster handles your claim.

Of course, in the realm of innocent mistakes that car accident victims can make, your answering machine message is pretty minor in comparison to say, posting certain information on MySpace or Facebook. For example, a victim who was disabled with closed-head injuries from a truck accident posted pictures of themselves skiing or hiking on an online social networking site. These pictures are completely innocent, and were taken before the person was ever injured in the accident. But the accusation of fraud by defense lawyers can be enough for suspicious jurors who are ready to assume the worst about a person.

Here’s another example: A client neglected to change his message after his car accident, leaving his professional business voicemail greeting, even though he wasn’t working because he was disabled. The defense lawyer used the message against him in court, implying that he was still working and soliciting business. You never know who is listening.

Outside of phone messages, accident victims must always think about the overall impressions they’re leaving, because if a defendant insurance company decides to conduct video surveillance, a jury will see facets of a plaintiff’s life that might have the potential to offend people. Remember, complete strangers may one day be sitting in judgment on your jury. Why risk offending people who will be asked to return proper compensation for your accident?

Mistake #3: Applying for Social Security Disability (SSD) without consulting an attorney

People injured in Michigan car accidents and collecting no-fault insurance benefits are frequently told by their insurance companies and claims adjusters that they must apply for Social Security Disability (SSD). But it’s a big mistake for an auto accident victim to consider a Social Security Disability application or SSD claim as separate from his or her automobile accident case. It’s imperative that you contact your Michigan auto accident attorney as soon as an insurance adjuster instructs you to apply, to discuss how applying could affect your case. For example, if you’re accepted for SSD too soon, it could literally wipe out the entire economic recovery from your third-party case.

In almost all cases, especially when a no-fault insurance company asks you to apply for Social Security Disability, you are required to do so. But what happens next, such as appeals and other actions that an auto accident victim needs to apply, is very case-specific. This must be discussed with your lawyer, so he or she can point you in the right direction to minimize the impact on your existing auto accident case, and to avoid costly mistakes.
The practice of insurance companies requiring the accident victim to apply for Social Security Disability has led to abuse, of which many Michigan auto accident attorneys have become all too familiar: Some insurance company adjusters threaten auto accident victims who want to return to work to apply for SSD as a requirement to keep receiving their no-fault insurance benefits. They urge these accident victims to then re-apply and keep appealing if they are not awarded disability benefits.

The reason Michigan insurance companies are requiring you to apply is simple – it saves them money. But there is no basis under Michigan law to have a person apply for Social Security Disability benefits and then be forced to appeal after a denial, just because a no-fault insurance company adjuster is trying to cut costs.

All About Auto Responders

Auto responders are one thing that is great for internet marketers. Even though the real name for this is autoresponder, there are many other names it is known as like an e-mail responder or a mailbot or bulk e-mailer. The auto responder is really a great time saver, because it will give automatic responses when it is e-mailed.

There are various types of auto responders from types that will work on your e-mail to you having to put them on your server in the form of a script. Even with this they will all work basically the same. Their job is to send out an e-mail when they are e-mailed. The message that the auto responder sends will depend upon the message that was sent to it. The message can be determined by the script or possibly an e-mail address that it is sent to.

Even though they are a great tool that can be used for Internet marketing, many times they can be abused by spammers. They are great tools for daily chores because they do most of the work for you. There are so many people who can make these tools very disastrous.

If you are submitting your websites to directories or other types of things like that as in search engines or classifieds don’t ever use an autoresponder address. Most of these things also use autoresponders, so it will probably just keep sending messages back and forth. Nobody will win.

If you are going to subscribe to some type of newsletter or article you will never want to use the e-mail address with your auto responder on it. If you were to use your auto responder e-mail, while subscribing, you will probably be banned. What will happen is their auto responder will send you a message then your auto responder will send one back, and it will be quite a loop and it will be very annoying.

Auto responders are great things but is very hard to locate if they are using an auto responder. Sometimes you will be able to tell because the responses sound canned. Though many times those using the auto responders have different reply and from addresses. In a case like this it may take lot of effort to find this address.

Make sure to take care of your auto responder don’t use it for spamming or annoying purposes and you should be fine. This auto responder can do you much good in saving time for your business. Most auto responders are easy to set up and have detailed instructions on how to do it. They are also very easy to use and which is great news for people who are not technical or do not know how to use the Internet very well. Some of the most well-known autoresponders are Aweber and getresponse. There are also many smaller companies that provide auto responders for example, AutoResponderPro. Check some of these out to see what fit your needs best and what is the most cost-effective.

How to Find the Best Auto Insurance

Let’s face it; there’s nothing more frustrating than having trouble with car insurance companies. They charge so much for every month for a service you need once every couple of years – if that. And then, when you do need the best auto insurance help, when you’re in an accident, when there’s damage, you get the worst auto insurance help. That’s the worst. For years I was paying best auto insurance prices for the worst auto insurance service.

Some of my complaints are that the claims are rejected far too often. I don’t get it; it’s not like I wanted to damage my car! Even the best auto insurance companies have such convoluted and confusing policy options that I never am quite sure what is covered and what isn’t. The worst thing about even the best auto insurance companies is the wait time. The settlement payout process takes forever and is never exactly what they say it is. Luckily, there’s other companies out there. Here are some ways to find the best auto insurance.

The easiest way to find the best insurance company is to ask the staff at your local car repair shop. Think about it: who works with car insurance companies more than the guys that have to deal with as part of their day-to-day jobs? Many of these auto shops go through the same frustrating ordeals that us regular guys go through when dealing with the insurance companies, and they won’t be shy about telling you what they think if you ask. The shop I’ve gone too even has a rating system of the best auto insurance companies right in their lobby.

Another good way to find the right insurance company for you is to check online and through consumer forums. The Internet has been a great way for information to get around- for people to share their worst and best insurance company stories. Just keep in mind one thing; most people go on web sites to complain about bad service and products. Most of the time if they are happy with a service they don’t think to go online and share it with the world. Many times, they’re too busy enjoying it! That said, it’s good to know some of the worst things that could happen – just remember it might not be whole picture.

Finally, insurance companies offer free quotes. Always shop around. Don’t settle for the first good price you find. Do research, compare different quotes and ask other auto professionals. If you follow these tips, you’ll surely find the best insurance for you!

Benefits of Leasing Equipment For Small Business Owners

Many small businesses or those which are starting up prefer leasing equipment rather than buying the equipment outright. Banks have also recognized this trend and they are now giving loans to small businesses. Today, leasing equipment is a common trend for business owners. We have been proving leasing services for many years to small business owners and those businesses which are starting up to ensure that they are able to use business equipment which they cannot afford to buy. There are many benefits which a business owner gets by leasing equipment at any stage of development as illustrated below:

There is minimal cash outlay for equipment leasing!

When your business requires many computers, buying them requires you to have large capital outlay and reduces your cash flow. In addition, the cost of maintenance & repairing them will be high. By leasing our equipment you will be able to conserve cash from your business and improve your cash flow capital. Equipment leasing services does not include servicing the leased equipment in case they fail therefore you will save both maintenance and purchasing equipment at the end of equipment lease.

Overcoming budgetary limitations!

If you have a small budget that is not enough for buying new business equipment especially if you are starting up a business, leasing can be the best option for your business start-up. Operating budgets tend to be more flexible than a capital budget and we can ensure that our leasing terms are flexible as required by law and also negotiable depending on your business needs. Moreover, our leasing terms are better than standard bank loans thus making payment even more better and flexible.

Avoidance of obsolescence!

Obsolescence is among the major problem which many businesses face because the technology changes from year to year. However leasing equipment allows your businesses to develop since our lease terms can be structured in a way that can handle these changes. Therefore, your business will have a solution to the equipment which depreciates quickly. Plus our leasing terms makes it easier to add or upgrade technology in order to meet the ever changing needs of your business.

Speed!

Sometime buying some equipment may involve a lot of documentation thus making the whole process to take long period of time before it is completed. However, this is not the case with equipment leasing. Leasing allows you to respond quickly to new opportunities with little documentation & red tape. Equipment leasing companies can approve applications within a few hours.

Flexible in terms of options!

When you lease equipment for your business, you will have three options at the end of the term: you can opt to return the equipment, extend the lease for an additional period of time or can purchase the equipment from the leasing company at the end of lease term. These options are not available when you buy your own business equipment.

Tax benefits!

Equipment lease rental payments might be fully tax deductible and can come out of your business funds before they’re taxed. If you buy new machines from your working capital, it means that you are using money that you have already paid taxes on. Therefore, this means that by leasing equipment, the total cost of ownership can be lowered for your business.

Considering the above benefits of leasing equipment, it is not surprising that more and more businesses which are starting up businesses and are getting equipment leasing services. The benefits of leasing are not only for businesses which are starting up but also for those businesses large and small that can benefit from equipment leasing.

How to Get the Most From a Business Counselor

The one trait all successful business owners have in common is that they ask for help when they need it. And the good news is help is readily available. You can find a business counselor or coach in just about any location not far from you and sessions are often at no charge, especially if you’re planning to start a business.

Whether you see a business counselor through a free service or choose a fee-based business coach, here are some tips counselors and coaches want you to know to get the most from their sessions.

1. Come with something, rather than nothing. I recently had an ideal business client, at least that’s how I viewed him following our counseling session. He wanted to start a lawn care and landscaping business and was employed fulltime doing just that for a local municipality. He had already asked his supervisors if it would be OK to start a business on the side, one that he could do in the evenings and weekends. They gave him the OK, had him sign the necessary secondary employment documents and were pleased that he was making plans for his professional future (after all, jobs with government entities are not as secure as they once were).

He already had his own equipment, a business license, name and business cards. He came to me to find out how to reach business owners in his local community. We talked about his target market, his services, how to gather the information needed to set prices, his competition, how to ask for business-a myriad of topics that ended in steps he would take to launch his business.

He felt energized afterward, and I felt refreshed, thinking, “Why was that session so productive and how can I have more clients like that?” Here’s the answer. He came with something. He had experience in the industry, a current job and savings to fund start-up expenses, equipment, and an idea of his target customer. I contrast him with another client who came in recently wanting to start a business “to help women with things like housing, childcare, life skills, because I know so many women who really need help.” You get the point.

2. Trust the counselor. Confidentiality is important and business counselors will honor it. If it makes you feel better for them to sign a confidentiality statement before reading your business plan or swear they won’t steal or share your business idea, fine. But trust me. Business counselors have been exposed to all types of business ideas and very little is unique to them. Even so, they’ve chosen a career as a business counselor and are not looking for a unique idea to pirate.

3. Be open and honest about your financial situation. A business counselor can be a great resource to find funding and they can help you put together a funding proposal, but you must be open and honest about your financial situation and the earlier the better. A business counselor, especially in the first session, may not want to come right out and ask “How much money do you have to start this business?” or “How much do you have to put toward a loan?” but it’s important for them to know early to help you find appropriate funding resources. Vague statements such as “I should be OK in getting a loan,” or “I should have enough collateral to apply for a commercial loan” really doesn’t help. Provide details to the counselor and the earlier you do this the further along you’ll be.

If you’re an existing business owner and the counselor asks to see financial records, avoid responding with, “My accountant takes care of all that, so we’re good there.” Financial records can reveal quite a bit about management of the business. Use the counselor’s expertise and tools for financial analysis. The counselor can save you money by examining your records.

In additional to your financial situation, Warren Williams, head of Turning Point Business Coaching in North Carolina adds, “Be open to what the coach can teach you. A good coach truly has your best interest at heart, for they genuinely want to help you (as well as your business) be successful. Remain open to the opportunity to make your business better by making yourself better”

4. Do your assignments. Business clients tend to disappear or play “hide and seek” once the counselor gives them an assignment. An assignment might be to do some market research. If you’re not familiar with what or how to do it, simply say so. Don’t nod as if you understand. Avoiding follow-up calls from the counselor or not responding to emails because you didn’t complete your “homework” just delays the process of reaching your business goals. Let the counselor know you’re having difficulty with the assignment and could use more guidance. No need to feel embarrassed.

5. Understand the counselor’s role. As with any type of counseling, the idea is to help you discover solutions as opposed to telling you what to do. “Counselors provide a sounding board for you. They’ll challenge you and help you see situations in new ways. They’ll help you find solutions, not impose them,” says long-time North Carolina business counselor Maggi Braun. Don’t feel frustrated because you didn’t get the “answers” you were looking for.

3 Reasons Why the Outdoor Billboard Business Rocks

No, I can’t either! And I know there will be many people who would very much like a world without billboards. Love them or hate them, they are here to stay in many parts of the country and of the world.

Billboards have been around for around 150 years or more and they’re an enormously popular, affordable and effective advertising medium. Advertisers love them because of their cost effectiveness and because the advertising message can’t be ‘switched off’. Consumers may not know whether they love them or not, but they notice them – billboards are effective for branding and some of the best known brands, like McDonald’s, are the biggest billboard advertisers.

Billboard advertising has not been adversely affected by the rise of the internet – in fact the outdoor billboard business is one of the fastest growing areas of the media according to the Outdoor Advertising Association of America. People are out and about as much as they ever were – in fact more than they ever were and there are more of them and billboards are in full view.

Billboard technology is being reinvented – with the introduction of digital billboards and the continued growth of mobile billboards.

So this is no ‘fad’ or passing whim as far as businesses to be involved in goes.

How Many Businesses Can You Start for A Low Entry Cost?

And how many businesses can you start that are pretty much ‘hands off’ once you’ve set them up?

Sure, if you plan to own an enormous billboard on a major highway through a major US city, it’s going to cost you a pretty penny! Growth plans aside, it is possible to enter the outdoor billboard business for ‘several thousand dollars’ – check out some that are for sale to see this for yourself. If the entry cost is still too high for an individual, two partners (or more) could easily cover the entry cost with some focus and planning. Risks can be reduced (as compared with other types of businesses) and possible losses can be lessened (providing a professional approach is taken – and adequate appropriate insurance is taken out, for example).

Once a billboard is researched, purchased, leased and owned, little day to day input is required to keep the revenue flowing in over the term of the lease. This allows the business owner/investor to continue in their mainstream job or business as they grow their outdoor billboard business. It’s unlikely there are many traditional bricks and mortar businesses out there could afford the owner the same luxury.

The Beauty is in the Simplicity of the Business

The outdoor billboard business is one of the rare businesses where it is possible to do you due diligence (or research) pretty much everything you need to, to a highly detailed level, by yourself.

Traditional bricks and mortar businesses can be very complex creatures and often you won’t be able to know everything there is to know about operating the business or the financial details of the business and critical details of other areas until you have actually taken over and started operating it. It’s not unheard of for the financial situation to have been ‘doctored’ for the purposes of the sale, or for previously happy clients/customers to be lost due to a change in ownership. If this happens to a business, the results can be catastrophic for the new owner.

One real beauty of the outdoor billboard business is the fact that the purchaser is in the privileged position of being able to research the land on which the billboard sits (and any rules, regulations, covenants that apply to it), the structure itself (for compliance with building regulations etc), the possible marketplace for advertising clients (of which there would typically be multiple if the location is chosen carefully) and also the ‘environment’ at any given time. Billboards are not permitted in all states and there is significant opposition to them (or upgrades to them) in some locations. Careful due diligence into the environment being operated in is likely to reduce the risk of being affected by law changes – although all risk can never be eliminated completely.

Home Improvement Remodeling

There are always little changes that can be made to your home. In fact, home improvement remodeling is quite popular in this day and age. Especially with all of the DIY shows on television all the time. More and more men and women are taking it upon themselves to make their homes look great. This makes a great deal of sense when you think about it. After all, it will increase the value of your humble abode, which is always a wonderful thing. The key is to do a simple walk-through of your house. This way you can observe and determine what your house needs here and there. Make a list of the home improvement remodeling projects that need to get done.

In reality, the options are endless when it comes to home improvement remodeling projects. If you have one in mind for your residential house, then why put it off. If you are willing to tackle the project on your own, or as a family, you can save a lot of money. Possibly even more than half of what contractor would charge you. It is true! There are so many people tackling DIY home improvement remodeling tasks as time moves forward. The cost for labor is atrocious, and often jacked up. There are simple and convenient home improvement stores at your disposal that can assist you with this.

Some of the places you should consider for home improvement remodeling tasks and projects are Lowes, Home Depot, BidClerk.com, and FixMiHouse.webs.com. You can find all of these businesses online with ease. If you are seeking out a contractor in your area to assist you with home improvement or remodeling projects, then you need to make certain you get several bids prior to accepting any jobs. This is always wise because some contractor professionals will charge you a great deal more for their services. It is imperative to compare their rates, and the length of time it will take them to complete a job. Never pay them fully up front, because they may decide not to complete your home improvement remodeling project.

As stated before, many people are tacking home improvement jobs on their own. Now, the key to doing this correctly is learning the right tips beforehand. For instance, if you are going to replace the flooring in your home, then you need to understand this process first. If you have carpet, find out how to remove it and dispose of it. At this point you need to know how to properly install the hardwood, tile or new carpet you are putting down. Although it does not take much to learn how to do it, the process can be challenging.

Home Improvement – A Necessity for Improved Beauty and Livability

Most home improvement experts cannot stress enough on the fact that periodic home remodeling is essential for the upkeep and maintenance of a home. Not only is adequate maintenance essential if you plan to continue staying in your home, but it is also very important if you are planning to sell it. Regular maintenance can make your house more attractive to the customer so that you can make a killer deal! Home improvement includes upgrading the windows, doors, siding and roofs periodically to make your house look like new again. This is also typically termed by the home experts as ‘enhancing curb appeal’ that makes your abode the envy of your neighbors and greatly upgrades your real estate value.

Among the four improvement works, replacing the roof is the most essential one because any other remodeling carried out elsewhere in house would become an utter waste unless it is properly protected by the roof. Although there are many choices when it comes to the roofing material, the faux or the rubber slate roofing is gaining popularity because of its greater affordability. Next to the roofing, replacement of the siding is essential to home improvement because it is the siding that protects the house from the vagaries of the weather. Earlier wood was the common material for sidings. However, wood requires frequent painting and is also susceptible to natural degradation over time. Hence, prudency lies in the use of better, more weather-resistant materials such as fiber cement, vinyl and insulated vinyl to provide more durable protection to the house against the effects of the weather.

Replacement of windows and doors is necessary not only for aesthetic reasons, but also to improve energy efficiency in terms of the heating and cooling expenses incurred and for the security of the house. Windows are available in different styles and of different materials, from casement to tilt and turn styles and from vinyl to PVC materials. Similarly, newer styles of doors include the French patio and sliding door types that add a feel of richness to the home. So why wait? Contact you nearest home improvement contractor now using the internet.

Renovation and Home Improvement Gives Every Home a Fresh Look

No one would like to leave their old home and buy a new one after a certain point of time as this is really a costly affair and undertaking the step would mean a lot of expenses, rather than just by renovation and home improvement would be the best alternative. The process gives and adds a new look to the sweet home of yours and also expresses your creativity. When you return home after hard day toil I think you would definitely like to be relaxed and comfortable in the house of yours and that is primarily taken care of in the whole process.

The old image of the existing home is given a new creative look through the process of renovation and home improvement thus giving it a new modern look. Through the process an element of elegance and style is added to the feature of the house of yours and thus it will become a focal point of attraction to the visitors and the neighbors. This process gives a home a fresh, unique look with host of new features.

Think of change to your garden, to the lawns, and the exterior of your house to make a positive effect. The renovation and home improvement would definitely improve the safety feature of the house and make it more safer place to dwell in. Home improvement encompasses the area of repairing your roof of the house, kitchen, doors, basement and others. The redesigning of the kitchen plays a very vital role and it increases the face value of your house.. The more the kitchen and the bathroom is making attractive through the process the more the home gets a unique and modern look.

The whole process of renovation and home improvement can be done best by hiring professional to give the work a polished look and to improve the physical condition of the outside and inside of the house. If there is no work of plumber and work connecting to electric works the project can be undertaken on your own.

Home Improvement Loan Interest Rate

You always have to check the programs that are available for you if you are canvassing for home improvement loan interest rate that can give you what you need.

In order to finance your home improvements, you need to file for loans that insures the lender that you can pay for whatever you owe in due time of what you have agreed on.

You also have to present your credit history. It is advised that you have impeccable credit standing in order for the lender to easily approve the loan that you want to make and also provide you with the home improvement loan interest rate that is appropriate for you.

Remember that the home improvement loans are not really government loans or grants.

The low interest rate regulates the interest so you can make the most out of this. The least you can do is to pay your mortgage on time so that these wouldn’t pile up.

If it did, then you would have a harder time paying it. The mortgage that you were supposed to be responsible for can eventually turn to foreclosure and this will mean losing your home. No home owner would want that to happen.

Home improvement loan interest rate may be used to finance the permanent home and to also make improvements which protect or also improves the livability and utility of the properties.

It includes the manufacturing of homes for single families or a number of families. Make sure that the plan that you signed up for will give you the most out of your money. After all, that is still your blood, sweat, and tears.

The interest rate is fixed and is usually based on the market rate of the area during the time the loan was made.

If it is negotiable, it varies between the lenders so the way for you to know which home improvement loan interest rate to go for is the one that is the best for you.

You can determine this is the rate that is given to you is an amount that you can afford and when calculated can give you ten times the price of your house when you bought it.

You can actually make a profit from it if you do plan to return it to the market.

The best part about the home improvement loan interest rate is that there is no prepayment penalty. However, you still have to pay your mortgage on the day that you should.