Quick Facts on HIPPA Violations

HIPPA is an abbreviation of Health Insurance Portability and Accountability Act and was introduced by the congress in 1996. This rule assures that a person is given good and quality health coverage even amid jobs. As soon as a person quits a job, he looses the insurance cover completely and the new assurance company considers illness if any as pre-existing and gives a very low coverage or nothing, prior this law. For instance, consider a person who suffers from diabetes and is under medication, the new company will consider this as pre-existing and will not pay for medicines.

The main goal of HIPPA law is to make health care simpler and maintain the security of patient’s medical information. If you feel that your health care provider has breached privacy, you can certainly take it legal provided all are in records and it can be reported to the state insurance commissioner.

There are different circumstances under which the law is infringed. The health care provider or the insurance company might violate HIPPA without even knowing what it is. At times there could be a valid reason for going against the same and not due to negligence. HIPPA violation due to unruly slackness, but corrected within a period of time receives a high penalty and willful negligence not at all corrected and repeated often is given the maximum sentence. Whatever it is when there is a breach of any kind that comes under this act; record all conversation.

A case can also be filed under criminal penalty if the health care provider or the insurance company discloses your personal health information knowingly for money. Selling it to a third party for any reason or for personal gains which can cause harm is offensive. They face a fine of up to $50,000 and detention for a year, but however no private cause of action is taken against the person who disobeyed.

Why the Earth Your Home is Built on May Be Sick

Many of us spend our hard earned money and our valuable time with alternative health care in hopes of improving our health, mentally, physically, emotionally, and spiritually. However, in our pursuit of good health, we often overlook the important role our home plays in supporting that health.

If we are living in an unhealthy home, then all of our good work is negated and the improvement in our health remains elusive.

The earth your home is built upon may have energetic influences that are sick. That sick energy emitting from the ground may affect your own body’s energetic system by lowering your immune system.

We know through science, that everything is energy and we know that emotions have an energetic charge or signal. If there has been war, death, illness, sadness, divorce, or any other emotional or physical trauma occurring on your home’s property, then the energetic of those experiences may have left an energetic imprint that could be affecting your own body’s ability to heal.

The earth’s energy system of ley lines, geopathic stress – which is the electrical charge created as water moves along earth lines, and electro magnetic pollution emitting from all the electricity we are exposed to, may also contribute in creating an unhealthy home.

Think of it this way: Your body has a meridian system an acupuncturist might balance to help you regain or maintain health.

The earth has a similar system of meridian lines (ley lines, geopathic stress,) running in all directions and your home can act as an acupuncture point on the earth’s energy system.

Sometimes geopathic stress, (the earth’s meridian system) will run through a cemetery, landfill, toxic waste site, or underground water. When this happens the ley line or geopathic stress becomes toxic. Because ley lines and geopathic areas of stress are energy, they can affect everything they come in contact with. These toxic lines can radiate up from the earth and into your home.

This means, if your home is built on unhealthy toxic areas of geopathic stress, it can become an unhealthy environment for you to live in. Just like your body’s meridian system, the earth’s meridian system can be cleared and balanced bringing your home back to a state of health which can then support your pursuit of health and well being.

The Benefits of Reading on a Daily Basis

Do you read on a regular basis? If so, what is it that you read? Is it newspapers, magazines, Facebook updates or Tweets? It’s a good idea to read on a regular basis. For those who don’t need miss out on a lot of benefits that reading may offer. Given below is a description of some benefits that you may enjoy.

1. Mental Stimulation

According to research studies, people who are mentally stimulated are less prone to Dementia and Alzheimer’s as the brain stays active and doesn’t lose power. It works just like other muscles in your body. Actually, you need to exercise your brain should you want to keep it in good shape. Aside from reading, playing games like chess may also help you improve cognitive stimulation.

2. Stress

If you have a day job, you may suffer from stress. And due to stress, you may have a lot of other issues in your life. But a good novel may take you into a new world. In the same way, a well-written and engaging article is means of distraction from the things that can give you stress. So, if you read, you can relax.

3. Knowledge

Good books and articles can provide loads of information. You never know when you may need this information. So, having a lot of knowledge can help you deal with the challenges you may have in your life.

Apart from this, if you find yourself in extremely unfavorable circumstances, nobody can take away your knowledge from you. You may lose your job, money and all of your possessions, but you can’t lose your knowledge.

4. Vocabulary

Vocabulary is a warehouse of words that help you get your message across in the best way possible. In any profession, being articulate can be of great help. Moreover, your self-esteem will get a boost if you can talk to your seniors with great confidence. It can even help you with your career as people with better communication skills get more promotion opportunities.

5. Memory

By reading books, you can train your mind to memorize loads of characters and the history, ambitions, background and nuances behind those characters. Although it’s too much to remember, human brains are beyond all the machines that have been invented so far. It’s an extremely complicated organ in the human body. You may find it interesting that each new thing that you memorize makes fresh brain pathways while strengthening the existing ones.

This also makes your short-term memory more powerful in addition to stabilizing your mood.

6. Analytical Skills

If you can solve a mystery in a mystery novel without killing too much time, know that you have strong analytical skills. After all, it takes a lot of mental energy to process all the tiny details in a novel.

This analytical skill can help you when you need to critique a pot to find out if it is well written and if each character is fully developed. If you ever get an opportunity to talk about the plot with your friends, you can present your take on the plot in clear words.

Low Cost Dental Health Insurance

Dental plans are not included in basic health insurance plans as most of the dental treatments are elective and to a degree, cosmetic. Some medical plans take account of dental coverage as an added feature. Dental disease is often preventable; with the exclusion of injury or damage due to an accident. Only the initial diagnostic procedures such as exams and x-rays in dental treatment are relatively low-cost. Otherwise the treatments are considered to be expensive.

Low cost dental insurance is necessary for anyone who cares about their teeth and also doesn’t like paying the full price for dental work. You will have peace of mind with a low cost dental health insurance as you can be safe in the knowledge that you and your family are covered for any eventuality and will obtain the best dental care, whenever you need it for a relatively small monthly or annual payment. Low cost dental health insurance is available from top rated companies like Blue Cross and Blue Shield, PacifiCare, MetLife Dental, HealthNet and Kaiser. You should identify how your plan is designed, since this can considerably affect the plan’s coverage and your out-of-pocket expenses.

A low cost dental health insurance has many different levels of cover. You can opt for basic dental health maintenance which will cover a portion or in certain cases the whole cost incurred of dental procedures such as fillings, root canal work and general maintenance. Other affordable extensive policies that cover periodontics, orthodontics, all sorts of filling, tooth and bridge work, as well as check-ups and cleaning are also available. Each low cost dental plan is different. Accordingly it is advisable to check the terms, conditions and coverage of each prospective insurer before taking a decision. With several options available, you can choose a low cost dental health insurance that is right for you and your family.

Is It Possible to Build a Log Cabin In Winter?

The snow is beginning to fall. The chill is in the air. Right around the corner the holidays await us. This is the time to sit inside with a cup of hot cocoa and a twinkling Christmas tree, listening to carols. But wouldn’t that be so much more satisfying if it were in a log cabin, the perfect setting for those winter activities? Too bad you have to wait until it is warm again before you can start building your dream cabin.

Or do you? It is actually possible to build a log cabin in winter. Sure, it takes a big of preparation and know how, but that doesn’t mean it is out of your reach.

Preparing The Site of Your Log Cabin

Winter isn’t actually a bad time to get to work on the site of your log cabin. Groundwater is a lot lower than during the warmer months, which makes it an easier job and requires less work to get rid of it. Frost can be an issue if you are deep into the season, so you want to get started as soon as possible. You can prepare the site with up to two inches of frost. Snow is a bigger issue and unless it is temporary powder, once real snowfall hits it will be too late.

Preparing Yourself For Work

Are you ready to be working in the cold? There is a distinct advantage that you have in winter over summer and that is the lack of heat. Anyone who has done manual labor or labor intensive projects in the summer knows that it is a miserable and even dangerous task. It can be a real relief to be working on things in the colder months, but you need to be properly attired. Have a thick coat and layers. Have good gloves with texture to keep some friction for holding things. Put on thick socks (or multiple pairs) under solid boots that are both warm and anti-slip. A scarf or balaclava and a hat to protect the face, neck and ears are also important. For some additional comfort you can get pocket warmers that can help you on those chillier days. Make sure you are aware of weather conditions and plan your build accordingly.

Hiring a Company for Construction

Putting up a log cabin is difficult in the best of conditions. In winter it can be really hard for people who don’t know what they are doing, or who just don’t have help. You should consider hiring builders to do it for you. Many will work in the winter for an additional fee, which also ensures it will be done faster and right the first time. Be prepared to pay a premium but you will be glad for the work when a crew of five or more people get your log cabin up within a few weeks instead of a few months. Keep in mind that they may only get the exterior done at first as quickly as possible and worry about finishing and interior after, when they don’t have to worry about being stuck outside.

Prefabricated or Custom Built?

Another factor in how quickly you can get your log cabin built is whether or not it is going to be done from scratch. This can take a year or more to complete so you would only be pushing through the winter to get it done a little sooner. That is usually way too long for most people, especially when there is a faster alternative. A prefabricated log cabin is one that has been ordered and manufactured in a factory in large pieces then shipped to your erection site. A crew (or you and a few others) can then put them up in sections, making it a much faster process that can be done within weeks instead of months or years. You may also be more likely to find a building crew to handle the construction if they know it is just a prefab and so they can knock it out fast, before the snow starts. Want another reason to go prefab? They are much cheaper (sometimes by tens of thousands of dollars) and can be customized if you go through a company that specializes in their own designs.

Potential Risks In Winter

Now that you know that a log cabin can be built in winter you should know the risks. It can be difficult sometimes to find a construction company that is willing to handle a built that late in the year. That might leave you holding the reigns and if you don’t know how to construct a log cabin that could be a really challenging DIY that might not be within your capabilities. Then there is the weather itself. When it is cold you are risking hypothermia and frostbite, both of which can come on much faster and at higher temperatures than you might expect. Slipping is another very real issue, as ice can be on the ground and totally unseen if it froze in a thin, hard layer. The more you move around the site, especially where there was groundwater, the more you risk slipping and injuring yourself. Finally, there is just the construction itself. Let’s say you get started and you miscalculated the snowfall. It begins sooner than you thought and before you are done. You can’t just leave the site, you have to cover it and hope that there is no damage to what you have already done before spring comes.

As you can see, winter construction is possible when you want a log cabin. But your best bet is going to be hiring a construction company that handles prefabricated dwellings in order to get it up and operational before the snow comes. Once the exterior is done they can take more time on the interior and final touches.

So if you are worried that you have to wait until spring to get your dream log cabin, don’t worry. It is within reach, you just have to take the proper precautions.

Are We Losing The Art Of Conversation?

It struck me today when I was at lunch just how quiet the kitchen was. There were 5 of us all huddled together, a variety of different sandwiches and salads adorning the table, and guess what, we were all looking at our phone screens, flicking and tapping randomly, furiously and laughing all in our own little bubbles.

Tonight I changed a habit. While having my dinner instead of reading the journal. ie or checking out what was happening on Facebook, I turned the phone off, left the tablet in the bag and watched and listened as my two kids laughed and sang along to the film Frozen. My little girl in particular loves this movie and wants to be Elsa, so as soon as the song “Let it go” came on she started to sing without been prompted. She saw me looking at her in pure daddy awe and smiling that proud, that’s my little girl smile, and she gave me a little wave as if to say “thanks for listening to me daddy”

It touched me deeply because had I been engrossed on my phone I would have missed that moment of innate connection between us, where no words were spoken, but my face and body language expressed 100’s of words, emotions, love and pride.

Don’t get me wrong I think the strides we have made in technology are incredible.

I love social media marketing so much that I went back to college by night to get my diploma in Digital Marketing and Facebook and Twitter have both allowed me to stay in contact with great friends who are now in the four corners of the globe.

But I think we need to just now and then take a check that we are controlling our technology not the other way around.

I first started in Marketing when I was 16 in 1987 (oh god I feel old) working in Arnotts department store as a sales assistant.

Social Media was not part of our lives and a phone was something you dialed on the desk by the cash register. At 16 I was thrust into the world of face to face conversation and having to talk to people I did not know.

I had strangers come up and look me in the eye and ask me to help them find the right shirt, jeans or suit. After all I had the white shirt and tie on, so I was the expert in their eyes, although the mother who asked me to measure her little boy for trousers, who I then proceeded to advise that he had a fifty inch waste, would probably beg to differ. I never did get the hang of the measuring tape!!

However, the point I want to make is that when each of these customers came into the shop in person looking for my help I could not text, email, tweet or Facebook them the answer. I had to stand there in person and communicate to them both verbally and with my body language to find out what they needed, solve their problem and ultimately create rapport.

As business has evolved and the technology has increased we seem to be spending less time talking to each other in person and instead we use technology to do the engagement for us.

Just think about how many face to face meetings you now have for reviews or general catch up with a client in person. It probably is very different to what is was 3 to 5 years ago as we now communicate via non face to face methods. I myself have clients who I have spoken to numerous times on the phone or via email but who I have never met in person even though I have tried to get that face to face meeting. Everyone is just too busy it would seem.

This train of thought was further highlighted when I was recently at a networking event and I found it strange just how many people there were conducting online conversations and staring at their phones rather than talking face to face with the other people in the room.

I recently came across a great article entitled, Saving The Lost Art Of Conversation by Megan of the Atlantic, and in this piece she starts to review these very points that I am touching on.

In her article she recounts her interview with Sherry, a hugely respected psychologist and a professor at MIT. Sherry was working on a new book called “Reclaiming Conversation” and from her research she came to the conclusion that we’re talking all the time, in person as well as in texts, in e-mails, over the phone, on Facebook and on Twitter.

Obviously I don’t want to sound like a hypocrite or that the art of conversation is doomed. I know I am using the power of technology to share this post with you, and don’t get me wrong, I do love all the advances and the ideas of what is coming down the line in the future, such as wearable technology, apple I watch, near field communication etc, but let’s not forget that we are social and tactile creatures, and I hope that human interaction and face to face conversation will not die.

I think back to when I was a teenager and all the excitement followed by utter or was it mortification, and then the elation, when after an hours of eye contact and finally plucking up the courage to go over to that girl I fancied in the disco and asking her to dance and she says yes. Oh the joy and then the fear as I realized I can’t dance!!!

That whole scenario obviously would have been completely different and nowhere as emotionally charged or exciting if done by text or tweet.

So I challenge you, as I will be challenging myself each day, to put the phone and tablet down a little more than you do right now and let your other senses do the conversing.

Best Styling Tips For Newly Wedded Brides Who Want To Resume Work

Some of the common questions which pop up in the newly wedded bride’s mind are:

Should I change my dressing style completely?

Should I accessorize differently?

What jewellery should I wear to work?

If you are also facing such problems, then here is a detailed guide for you that will help you understand that how newly wedded brides can style themselves while going to office after the wedding.

Try Skirts or Tunics

If you did not use to wear skirts to the office before, you can give a try to them now after the wedding. Wearing a long skirt with a tank top, or a long fitted tunic can give you a new look. You can pair your skirt with a stylish yet light dupatta or scarf.

Also, you can try more professional look by pairing the pencil and formal skirt with a shirt or top. Here the key to look good is to festoon or enhance your dress with an apt selection of jewellery or accessories.

Look Out For Formal Yet Classy Dresses

These days, you can get a variety of formal outfits which can be worn in the office. You can try some outfits in the pastels because such dresses get enhanced with the accessories and look outstanding. By pairing them with the right set of bright accessories, you can attain a perfect contrasting look.

Wear Ethnic Dresses

One of the range of apparels in which you can get unlimited variety and styles is the ethnic one. You can find an array of kurtas, tunics, kurtis etc., which can be paired with pallazos, leggings as well as denims.

By accessorizing well, you can flaunt your ethnic style in a completely new way. If you don’t want to invest in precious jewellery, you can try fusion jewellery or some funky & colourful pieces of jewellery.

Experiment With The Jewellery

One of the pieces of jewellery that newly wed’s are accustomed to wear is the mangalsutra. But, nowadays, instead of wearing it as a neck piece, the girls prefer stylish and classy mangalsutra worn like a bracelet on the wrist.

Precious Diamond Jewellery

You can choose contemporary, sleek and stylish jewellery pieces made with diamonds like sleek necklaces, earrings, rings and bracelets to enhance your look. Diamond looks good with every dress and gives you a very sophisticated look.

Invest In A Stylish Watch

One of the best ways to enhance your looks and attain a contemporary style is by investing in a stylish watch. A watch is one of the best accessories that can be flaunted with any dress and jewellery, and it will enhance your look dramatically.

With these styling tips, you can completely change your style and look trendy after marriage.

Received a Copyright Infringement Notice? Now What?

Are you one of those who just received a TCYK LLC letter? In order for such a letter of claim not to become a TCYK LLC lawsuit eventually, it is a must to know some what-to-do guidelines when receiving notices for copyright infringement. So, read on; this article might help.

Let’s start with some FAQs:

Who sends a letter of claim?

Only 3 sources are authorized to send you a letter of demand for copyright infringement, and these are:

  • An exclusive licensee or someone who has an exclusive copyright license of a certain creative material
  • The owner of the copyright
  • The solicitor/s and anti-piracy entities who have been hired by copyright owners to chase infringers

In some territories and selected cases, the ISP may also have the right to send a copyright infringement notice to warn subscribers of their illegal downloading and/or file-sharing activities.

What to do next?

You need to respond to the letter of claim within the period specified on the letter. In England, it is a general rule to reply to a letter of demand or copyright infringement notice within 14 days after receiving the letter, whether you are guilty of the allegation or you are not directly responsible for the infringement. This is why proper understanding of the letter’s content is a must before even thinking of responding through email or phone call. Take your time knowing the details of the allegation, and consider seeking professional legal assistance if there are things you want to be clarified. Aside from asking legal advice from a solicitor, you may also get in touch with the letter sender directly through the hotline provided on the letter. This way you can easily get more information regarding the allegation against you as well as prevent any more serious consequences like litigation. Responding to a letter of claim immediately also lets you clear your name if ever you did not really commit the infringement.

So what should you do to stop receiving another copyright infringement notice?

  1. Stop downloading copyrighted materials. Yes, it is as simple as that. Most things you see online are owned by someone, and it is better off not to take something that’s not yours, unless you have already acquired permission from the rightful owner. However, there are also copyrighted materials that are made available by the copyright holders themselves through a Creative Commons License, which means you are actually free to make use of certain music and other creative materials online. Although there is this exception, it is still important to note that most free films you see online should not be really free and are still owned by people or entities, therefore you are most likely required to pay for downloading and/or sharing them.
  2. Check your internet connection usage. It is also important to know everyone who has access to your Wi-Fi connection to easily track the person/s responsible for any infringement, especially if you are very much aware that you haven’t really tried downloading or sharing copyrighted materials through your PC and other devices at home. You can check who accessing your wireless router by looking into its logs of connections, which most routers do have. You may also acquire assistance from your ISP in order to make sure that only you and your family or anyone in your household are the only ones accessing your internet connection, therefore not putting you at risk of any illegal downloading and other copyright infringement allegations.

These are just some of the basic precautionary measures you can do to stay away from letting a letter of claim turn into a TCYK LLC lawsuit.

All About Silicon Carbide Ceramic

In 1891, it was a eureka moment for Edward Goodrich Acheson when he accidentally discovered Silicon Carbide. This amazing compound was produced in form of bright green crystals, hard enough to cut glass and even diamond. It was the first man-made abrasive and was initially used to polish gems. It has been used in so many fields like automobile parts, fuel for production of steel, high voltage parts and so on. One such use is in the production of Ceramics. This article aims to shed some light on these kinds of Ceramics. We will discuss its uses, benefits, and applications. Let’s begin.

What is “Silicon Carbide Ceramics”?

Silicon Carbide Ceramics are black in color and have high strength. These are believed to be the hardest. These have thermal shock resistance better than alumina. These hard ceramics consist of grains of SiC bound together with the help of Sintering.

What are its uses?

Ceramics that are based on Silicon Carbide are used for manufacturing of articles that are going to be subjected to intense mechanical wear and extremely high temperatures. These can maintain mechanical strength at the high temperature of 1400 C. These are widely used in many industries like nuclear power, machine building, and metal.

How are these Ceramics produced?

They are produced by two methods:

  • Reaction Bonded
  • Sintered – The main method to form ceramics that are based on Silicon Carbide is high-temperature sintering of SiC powder with various binding additives. Given below are the most widely used types of ceramics and the mode of their preparation.
  • Silicon Nitride Bonded- It is produced from a mixture of Silicon Carbide granules and Silicon, in a nitrogen atmosphere at a temperature below the melting point of Silicon.
  • Reaction Bonded- It is made from granules Silicon Carbide and fine powder of silicon and graphite. Heat treatment carried out in 1500- 1650 C.
  • Direct Sintered- A pulp-like material is prepared from – SiC powder, synthesizing additives of boron and aluminum, various binding agents and carbon-containing additives. The pulp is used to make the required pieces by drying at the temperature of 2050 C.
  • Composite Bonded- Fine powder of pure SiC is mixed with Silicon and binding material. Heated in a nitrogen environment at a temperature above 1350 C.

Benefits of Silicon Carbide based Ceramics:

  • These have High Thermal Conductivity
  • Have Low Thermal Expansion.
  • Have Excellent thermal shock resistance.
  • Are known for their Hardness.
  • Possess properties of a Semiconductor.
  • RI (Refractive Index) is greater than that of a diamond.

Application of Silicon-Based Ceramics:

  • Wear-resistant nozzles and other wear parts.
  • Thermocouple protection tubes.
  • Kiln system components.
  • Faucet washers.
  • Ceramic armor protection systems.
  • Heating elements.
  • Bearings for high temperatures.
  • Used in thin filament pyrometry and steel production.

Sic has the highest corrosion resistance out of all the ceramic materials. Their superior properties for power devices have revolutionized the power electronics industry. Though it was accidentally discovered, it sure has made a concrete place for itself. Isn’t it? Let us know your views.

How Car Accident Victims Can Improve Their Cases Before Their First Legal Consultation

Initial Impact

One oft-repeated phrase is, “it’s better read about than experienced for yourself.” Few maxims can better encapsulate what it’s like to be a victim of a car collision.

Like any paradigm shift in someone’s life, it’s often dramatic and sudden. The screeching of wheels, the scream of the unexpected, or the shot of unfamiliar adrenaline.

All such tragic events mark the beginning of a typical personal injury case. For simplicity’s sake, we will discuss a common car accident. This piece explores how a victim of circumstance can take control of their situation, and turn their misfortune into an opportunity to better their case and their chances of reasonable compensation.

Self-Assessment

After the initial shock and twisted metal, victims at the scene may be dazed and confused. Regardless of where you are on the road, examine yourself and passengers for injuries. If there are no visible injuries, do the obvious thing and move your vehicle to a safe location if you are blocking the road.

If anyone is injured, get medical help as soon as possible. Truth be told, calling 911 has the added benefit of documenting the incident for later insurance evaluation purposes. This is because the documentation generated from the call tends to indicate a propensity of a person being truly injured. While it may come across as callused, car accident cases – and other cases involving personal injury – are all about documentation.

Insurance claims representatives will even go so far as to reduce the value of a claim on not going to the emergency room, even if there are later objective findings indicating that an injury occurred. Injuries, such as cervical strain and sprain, tend to appear more than one to two days later after the “shot of adrenaline” wears off. However, it’s the documentation early on that is important.

Interaction With Law Enforcement

If police were summoned by a party contacting 911, documentation will again be generated. It is common that police, in addition to checking for injuries, may cite the at-fault driver for either a crime or a traffic infraction.

Keep in mind that a criminal case is the government (or, in Virginia, the “Commonwealth”) versus the defendant. A criminal case is about seeking justice. On the other hand, a personal injury case is about “being made whole again.” Until a magic wand is invented, that means the “bad guy” paying some form of compensation.

Before law enforcement makes a general “first look” at liability, they will gather evidence – including statements from other drivers and witnesses, as well as obtaining contact information. This information is crucial for a Virginia auto injury or car accident attorney to later help prepare a case.

Keep in mind that the initial police investigation is entirely separate from the civil process, which may, in turn, rely on documentation generated as a result of the crash investigation. Even should an officer believe that a person is at-fault in a collision, the other driver’s insurance company may come to an independent conclusion.

One final point is that calling for help may be legally required in some circumstances. In Virginia, assume that it is required if there is someone that is injured or visible property damage to the vehicles.

Document The Facts For Later

Feel free to be your own detective if you have not yet met with a personal injury lawyer.

Ask for the other driver’s name, address, telephone number, and insurance information. If there are other witnesses to the collision, ask for the same. Take pictures with your cell phone of the accident scene and the driver’s license, if provided.

It is perfectly normal and expected for you to provide your insurance information to the other driver, even if they were at-fault. We highly recommend to clients not to make statements to the other driver’s insurance company. They’re frequently very motivated to assign blame to someone other than their own insured.

Don’t be limited in pictures of property damage of the vehicles. If it’s safe and prudent to do so, take copious amounts of pictures of you and your passenger’s injuries. This includes bruising that may later develop.

By being your own detective, the insurance company for the other driver may not be so quick to turn a blind eye to the blame of their insured. Documenting (if safe and not obstructive) while still at the scene to show the location of the impact, road conditions, and the condition of the vehicles may be critical bits of evidence later that a personal injury attorney can later utilize.

A good law firm will use this evidence to help develop your case into the best it can be under the facts. If you don’t have any of this evidence don’t worry. In most cases a client doesn’t provide this information during initial intake. That said, the more information provided the better.

Seek Medical Treatment

In line with the need to call 911, if necessary, is the simple fact that you need to seek medical treatment if you are hurt in the collision or later develop conditions that didn’t exist the day of the accident.

It is critical that you go to every appointment scheduled with a health provider and do everything that they tell you to do. Top in the playbook of every insurance company is to highlight any and all delays or gaps in treatment and try to use that information to diminish the value of your claim.

This is even true if you don’t have health insurance at the time of the collision. It is highly important that if you don’t have health insurance that you waste no time in getting it. In addition to being legally required at the time of this writing, health insurance may cover tens of thousands (if not millions) of dollars in treatments.

Even if you have the most amazing case, not having health insurance means that the proceeds of any later settlement or trial goes to pay the providers when it could have gone to your pain and suffering that you had to endure as a result of the injuries.

As a slight caveat, under some circumstances the insurance company for the other driver may reduce any settlement offer by the amount paid by insurance. However, this depends on the state and an entirely different analysis. You’ll need to consult with a car accident lawyer in your state to determine if this applies.

Avoid Waiting Until The Last Minute To Seek Necessary Medical Treatment Or Blowing Off Your Appointments If They Are Recommended By A Treating Healthcare Professional

Whether it’s the day after the accident and you were discharged from the Emergency Room or it’s month three of physical therapy or chiropractic care, you need to keep your appointments. We cannot stress this enough.

Car insurance companies for the other driver will even go so far as to unjustly say that you’re faking your injuries. They may resort to this accusation if you stop going to your appointments or blow off treatment all-together before it has run it’s course. Frequently, soft tissue injuries can “flare up” if maintenance treatments do not continue until their natural conclusion.

Once upon a time, it was a socially-acceptable attribute for people to be “tough” and “suck it up” despite pain. That doesn’t appear to be a common thread in today’s negotiations with insurance companies, especially when it comes to auto-injury cases. If you feel a certain way, pursue treatment. We recommend to clients to keep a daily pain and inconvenience journal, so we can see how they are progressing in their treatment.

Lawsuit Time: “Let’s Get It On!”

While this article was limited to what a victim of car accident can do to improve their case prior to their first legal consultation, I would be remiss if I did not include one final bit of information: choose an attorney that isn’t afraid of going to trial. If you don’t get the settlement offer that you are looking for (and is reasonable given prior settlements or verdicts), a knowledgeable Virginia car accident attorney would have no qualms about filing a lawsuit and making a request for appropriate damages to the judge or jury.

If, after negotiation with the insurance company and discussion with my client, we don’t get a settlement offer that is reasonable, then it may be time to file a lawsuit.

Occasionally, it may be advisable to cut the claims representatives out all together and file the lawsuit against the person that hurt you.

If the other driver’s insurance company doesn’t place the right value on your case, a jury of your peers may see that you internalized your pain, choosing not to be a burden on your family and friends, and assess damages a more reasonable way.