http://www.migrantcinema.net.gridhosted.co.uk/?URL=hiphopafrica.co
http://counterstrikecheat.forumcrea.com/viewtopic.php?pid=135828#p135828
https://allegheny.granicusideas.com/ideas/https-slash-slash-www-dot-420budshome-dot-com-slash
http://26403.dynamicboard.de/t14211f4-UK-Academic-Writing-Service.html
http://languagewatch.korea.com/en/entry/Gloria-Hall-Koreana-Hotel-77
https://www.africanamerica.org/blog/never-forsake-yourself-for-others?
https://community.keshefoundation.org/groups/topic/view/group_id/94/topic_id/61/post_id/7040
http://molbiol.ru/forums/index.php?showtopic=580533&st=0&p=1814483#entry1814483
http://www.hanabilkova.svet-stranek.cz/euronadiskuze/
https://archives.profsurv.com/forum/Professional%20Surveyor%20Magazine%20Discussion/General-Surveying/Re-eCommerce-Product-Data-Entry-Services-24378.aspx?
http://clashofclansbuilder.com/guides/view/2592
http://www.blogs.mundo-r.com/weblog/es/fotos/mgcolomo/8a8024e7279ccacd0127b3e61f660da6
http://molbiol.ru/forums/index.php?showtopic=581176&st=650&p=1809836#entry1809836
http://jeuxfun.forumcrea.com/viewtopic.php?pid=55908#p55908
https://issuetracker.unity3d.com/issues/linux-editor-input-dot-getaxis-mouse-scrollwheel-always-returns-0-when-cursor-dot-lockstate-is-set-to-cursorlockmode-dot-locked
http://scenept.untergrund.net/bbs/profile.php?id=2787
https://www.bly.com/blog/general/make-money-with-the-college-of-knowledge/#comment-1309233
http://molbiol.ru/forums/index.php?showtopic=581176&st=650&p=1810192#entry1810192
http://groupspaces.com/AWCTheHague/item/965746#wall
https://www.dweezilzappa.com/posts/1963441-the-crux-of-the-biscuit-is-the-apostrophe/
http://journals.sfu.ca/thirdspace/index.php/journal/comment/view/322/0/14709
cscproject.org/role-models-matter-workshop
http://52.36.4.105/habitat-connections-exploring-your-local-environment-through-birds-and-citizen-science-0
http://192.157.234.58/forum/thread-2-2105-7.html
http://1.gorodmirny.ru/main/page,1,13,3-post4.html
https://sovernnation.blogspot.com/2012/01/chasing-shadows.html
http://bargain.ratebe.com.au/p1194/bargain.html?from=400&step=100&count=464&id=1194
http://propan-butan.snakesub.cz/diskuse/?
http://vysocina.rodinnepasy.cz/cs/gallery/discussion.php?id_thread=172&chrono=1&page=0
http://www.mnbowling.com/mnbowlingforum/forums/thread-view.asp?tid=1524&posts=114#M55646
http://www.musicrush.com/fujilift/blog/3671/the-seat-is-loose-passenger-elevator?
https://www.spoluhraci.cz/kcthodonin/-42.-rocnik-Pochodu-slovackymi-vinohrady/kalendar/akce/action_id/292668?
http://mde.nkust.edu.tw/community/viewtopic.php?CID=17&Topic_ID=21
http://www.zoomgroups.net/cgi-bin/zvMain.cgi
https://blog.puscii.nl/node/116/talk?page=44
http://unihokejgorzyce.osw.pl/Strona-Główna/ID/89/Fina-Wielkopolskiej-Ligi-Unihokeja-florbalkipl-20162017-w-kat-junior-modszy
http://flyfreemedia.com/forums/users/neoweezy
http://oslavajara.freepage.cz/chatt/
http://ns.kasuto.net/efiction/reviews.php?type=ST&item=2379
https://www.quantummuse.com/threadr.php
https://comunidadbilingue.educa2.madrid.org/alojamiento-y-trabajo/-/message_boards/message/29129032
https://forum.openelec.tv/showthread.php?tid=81897&pid=193040#pid193040
http://foros.cristalab.com/tu-primer-anime-t37844/60.html
http://www.egrupos.net/cgi-bin/zvMain.cgi
Friday, May 8, 2020
Monday, September 24, 2018
Your Business Insurance & Lawyers
Your Business Insurance & Lawyers
As a business owner in California, legal issues may arise. Unfortunately, some disputes may involve the insurance company from which you purchased policies meant to protect your business assets and personal liability.
Developing Winning Strategies For Businesses Facing Insurance Disputes
The law firm of Buscemi Hallett LLP provides legal assistance to individuals and businesses throughout Southern California with all types of corporate and personal insurance matters. We invite you to get in touch today to discuss your specific situation.
Buscemi Hallett LLP is rated AV Preeminent* by Martindale-Hubbell and is featured in San Diego Magazine's Top Lawyers List. Our attorneys are aggressive litigators, and we strive to resolve disputes swiftly and efficiently, keeping an eye on our clients' bottom lines. There is no cookie-cutter application of insurance laws to your unique case. We will address your issue one-on-one, directly addressing your specific business needs.
Whether you are making a claim or defending your business against one, we will help you. Our San Diego insurance lawyers will apply over 30 years of combined legal experience to your legal issue and will handle matters involving:
- General liability insurance for commercial operations: Protection for business owners against personal injury or property damage claims and lawsuits
- Commercial vehicle and property insurance: Benefits for losses sustained when a commercial property is damaged or an employee or co-owner is injured in a business-related automobile accident
- Officer and director professional liability insurance: Protection for individuals acting on behalf of a corporation that is involved in an internal or third-party lawsuit
- Environmental insurance: Protection for claims from environmental damages or personal injuries, which are typically excluded in commercial general liability policies
- Product liability insurance: Protection from claims based on injuries resulting from defective or dangerous products
- Bad faith claims: Claims against insurance companies for unreasonable, deceptive or unfair delays or denials
Call Buscemi Hallett LLP Today For Skilled Legal Assistance
Contact us by calling 619-821-9163 or sending us an email. We provide free initial consultations and have evening and weekend consults available by appointment.
*AV®, AV Preeminent®, Martindale-Hubbell Distinguished and Martindale-Hubbell Notable are certification marks used under license in accordance with the Martindale-Hubbell certification procedures, standards and policies. Martindale-Hubbell® is the facilitator of a peer-review rating process. Ratings reflect the anonymous opinions of members of the bar and the judiciary. Martindale-Hubbell® Peer Review Ratings™ fall into two categories - legal ability and general ethical standards.
When to Hire a Lawyer for an Auto Insurance Claim
A car accident is an earth-shattering event. It can result in serious injuries that prevent you from being able to work, leave you expensive damages to your car – or completely total your car, and it can cause a lot of pain and suffering.
In addition to causing you serious problems, an auto accident also brings about a host of questions: Who is at fault? Who is responsible for paying for the damaged property? Who is responsible for covering the cost of medical bills? Will there be compensation for pain and suffering, and/or lost wages?
In short, an auto accident is a huge headache. After the accident, your top priority should be recovering from any injuries you have sustained; the last thing you want to do is deal with insurance companies and all of that red tape. An attorney who specializes in auto accidents or personal injury cases can be extremely helpful during this difficult time, helping you negotiate and sift through the often confusion and chaos that is involved with insurance claims and settlements.
If you are wondering if you should hire an attorney to help you handle your auto insurance claim, keep on reading. Here is a look at some valuable information that will help you determine if hiring a lawyer is the right option for you.
Have there been Extensive Damages and Injuries?
If the accident you were involved in caused serious damages and injuries, an attorney can certainly be helpful when it comes to filing a claim and handling settlements.
If you have sustained injuries, the most important thing for you to do is recover. When you have to worry about contacting insurance companies, filling out paperwork and making and answering phone calls, you will also have to deal with additional stress. The stress of the accident and recovering is enough; you shouldn’t have to deal with the stress of all of that red tape. In fact, adding more stress to your situation can impact your recovery, as you may be focused more on handling the claim than getting better.
There is a Question Regarding Who is at Fault
If determining who caused the accident is something you are dealing with, an attorney can be hugely helpful. Lawyers who specialize in auto accidents will understand how to determine who was at fault. They will work with the law enforcement officials who handled your accident, look at police reports, assess the details at the scene of the accident and will speak with your insurance company and the other party’s insurance company. A lawyer will have the knowledge and the experience that is necessary to determine exactly who was at fault, and who should be held responsible for paying the damages.
You are Unable to Work
If the accident you were involved in caused injuries that have left you unable to work, an accident attorney will certainly be able to help you. If you are left unable to work, you may lose wages, or there may even be a chance that you will lose your job.
Again, your lawyer will speak with your insurance company and the other party’s insurance company to determine who is responsible for covering any wages that you may lose while you are recovering. Also, your attorney will be able to speak with your place of work, notifying them of the extent of your injuries and the laws that protect injured workers from being let go.
The Benefits of Hiring an Attorney
In addition to being able to handle the aforementioned issues, an attorney also offers a host of other benefits in the case of an auto insurance claim.
Knowledge of the Law and Procedural Rules
An experienced attorney will have a thorough understanding of the law that governs auto accidents, as well as any procedural rules that are involved.
Your attorney will be able to advise you of any time limits, or statutes of limitations, that may prevent you from being able to file a lawsuit against the other driver. For example, in several states, you have to file a lawsuit within two years of the accident. If you fail to file a suit in that time period, you will forever lose your ability to file a suit. Additionally, a lawyer will be able to let you know about any special exceptions to the statute of limitations; for example, if a minor was involved in the accident.
Filing and Mitigating
An attorney will be able to file a lawsuit against the other party’s insurance company on your behalf. This saves you from having to worry about filing the claim in a timely manner, and ensures that the claim will be filed correctly. Also, once your case is under way, your attorney will play a vital role in preparing your case for trial, should it go before a court, and will represent your case.
A Lawyer Handles the Work
There is a lot of work that is involved with negotiating an insurance settlement and filing a personal injury lawsuit. After your accident, taking on these two tasks is not only time consuming, but can also impact your recovery. The last thing you want to do after you have been injured in a car accident is handle all of the red tape that is involved with filing claims and lawsuits. An attorney will be able to do all of this work for you.
Experienced with Filing Claims and Lawsuits
Though this may be your first time filing an auto claim or a personal injury suit, an attorney will likely have done both tasks several times before. A lawyer knows how to obtain the evidence that is necessary to support your claim, such as police reports, photographs, statements from witnesses, medical records and bills, and any loss of employment or lost wage information.
With the help of an attorney, you can rest assured that your auto insurance claim will be in good hands so that you can worry about what is really important; recovering.
10 Best Auto Insurance Companies in 2018
10 Best Auto Insurance Companies in 2018
If you want the best protection money can buy, buying an auto policy from one of the best car insurance companies is essential. By buying a high quality policy from a reputable provider, you’ll gain both peace of mind and protection from life-changing financial losses.
In addition to policies that can be tailored to your unique insurance needs, the best car insurance companies generally offer superior customer service, an up-to-date website where you can pay your bill or check your policy details, and a top-notch claims process that makes recovering from an auto accident as seamless as possible.
Most of the time, the only way to find out how much you’ll pay is to apply for several quotes and compare them side by side.
Because car insurance has become such a competitive space, shopping around for the best automobile insurance rates is crucial. Where one company might charge higher rates due to your age or driving history, another might offer special discounts based on an entirely different set of criteria.
What are the best car insurance companies of 2018?
10 Biggest Insurance Companies In The World
10 Biggest Insurance Companies In The World
Insurance companies have become integral in the lives of many people and organizations. The numbers of risks we face have been on an incline, a reason for the increased demand for insurance. We all face an array of risks ranging from accidents, risks of being victims of calamities and disasters, the risk of falling sick and lastly, the risk of life.
The pain and financial demands that come with these risks are at times overwhelming. Insurance is one of the main ways one gets prepared for the worst. Below are the
Top 10 insurance companies in the world.
1) AXA
With a presence in at least 56 countries, a 157,000 employment base, and a 102 million customer base, AXA is arguably the leading insurance group in the world. Its main products include a concentration in life insurance, asset management, saving and casualty insurance, dating back to 1817, the company is headquartered in Paris and has a presence in all the continents save for Australia. On average, the company makes revenue of about €100 billion per year.
2) Zurich Insurance Group
A Switzerland headquartered insurance company, Zurich Insurance Company has a global presence that has carefully been built and spread since 1872. Together with its subsidiaries, the company operates in at least 170 countries and makes an average of $60 billion every year. Its core businesses include global life insurance, general life insurance, and farmers insurance. The company gives products to individuals as well as all business sizes. Zurich has an employee base of about 55,000 cut across all the continents.
3) China Life Insurance
China has fast caught up with the world in almost all sectors, not to mention the insurance industry. China Life Insurance, one of the largest in the world, is a state-owned insurance and financial service provider. In addition, it is a key player in the Chinese capital market, with its contributions as an institutional investor providing an important contribution.
Started in 1949, it is a state-owned insurance company that began as Peoples Insurance Company of China. It was restructured in 2003 as China Life Insurance Company. Today, it has seven subsidiaries that run its key businesses within pension plans, insurance, property and casualty, asset management, overseas operations and investment holdings. In terms of market capitalization, China Life Insurance is the largest in the world.
4) Berkshire Hathaway
This is a powerhouse company, associated with a powerhouse personality: Warren Buffet. Founded in 1889, Warren Buffet has recently transformed the company from a mediocre entity into a real powerhouse, one of the largest companies globally. The company engages in a conglomerate of businesses including insurance, investments in rail transportation, energy, services, retailing, manufacturing, utilities, and finance.
Berkshire Hathaway provides primary insurance and reinsurance alike, of casualty and property risks. Berkshire Hathaway subsidiaries include the U.S. Liability Company, Berkshire Hathaway Primary Group, GEICO, Berkshire Hathaway Reinsurance Group, Central States Indemnity Company, Medical Protective Company, and the Applied Underwriters.
5) Prudential plc
This is yet another great name in the insurance sector. It deals in insurance and financial services with its operations cutting across the Asian continent, the U.K, the U.S.A as well as the recently penetrated Africa. Founded in the U.K. in 1848, the company does its businesses under the names: Jackson National Life Insurance Co, Prudential Corporation Asia, and M&G Investments.
It employs an average of 22,308 employees with about £509 billion being the assets under its management. Its Jackson Insurance Co is one of the most prominent insurance companies in the USA, with Prudential U.K being a key life and pension’s provider.
6) United Health Group
A top player in the diversified healthcare insurance in the USA, the company is visible in its two main business platforms called: UnitedHealthcare associated with health benefits and the Optima that offer health service related businesses. The company is present in 125 countries and serves about 85,000 people globally. The company reports an average of at least 100 billion US dollars annually. According to Fortune, this is the most admired company in the world as far as managed care sector and insurance is concerned. UnitedHealth Group is credited for its experience together with its resources used to deal with clinical issues
7) Munich Re Group
Present in over 30 countries, Munich Re Group, which was founded in 1880, operates in all the insurance lines. Its main focus is in Europe and Asia. Munich Re Groups main insurance operations are handled by ERGO Insurance Group-its main subsidiary. ERGO offers comprehensive insurance, provision, and services. In its main market, Germany, the company is the leading insurer in all areas. Other subsidiaries include Munich Health (which is its newest subsidiary) and parlays (risk management and insurance arm) specializing in the healthcare field.
Munich Re Group employs about 45,000 persons, who are engaged in all businesses such as health insurance, marine reinsurance, life reinsurance, aviation reinsurance, property-casualty business, fire reinsurance, liability business, accident reinsurance and motor insurance. An average annual return of about 3 billion Euros is enough evidence that this is a real force to reckon.
8) Assicurazioni Generali S.P.A.
Founded in 1831, this is a market leader in Italy as well as other countries. Its presence is well felt in at least 60 countries worldwide with dominance in the Eastern, Central and Western Europe. The company’s main attention is on the life insurance packages with products ranging from family protection, unit-link insurance plans, and savings policies among others. Though its main business is in the life insurance products, the company is also known for its good performance in dealing with a non-life segment. Such products include car coverage, accident, health, home as well as industrial and commercial risk. The group employs about 77,000 personnel and has a 65 million customer base.
9) Japan Post Holding Co., Ltd
This is yet another major Japanese state-owned conglomerate. The Post Holding Company markets its products in its four main divisions namely Japan Post Network (operates post offices), Japan Post Insurance (Offers life insurance), Japan Post Bank (banking functions) and Japan Post Service (responsible for email delivery). The Post Insurance division provides insurance to clients, with the company’s post office division playing an important role in helping the company reach its clients.
10) Allianz SE
The company is a leading financial service provider, offering products and services ranging from asset management all the way to insurance. Founded in 1890, the company serves a large customer base that spreads across at least 70 countries. Products range from health, life insurance, and casualty products for individual or/and corporate customers. Headquartered in Germany, Allianz SE manages assets worth about €2 billion.
Conclusion
Insurance is an important aspect of any individual or organization. The above list of top 10 insurance companies in the world enumerates some of the largest and most reliable companies to engage within contracts. To land on the best company, consider the company, rating, their specialization, their financial strength, office proximity, discounts offered, premium rates and above all, refusal of past claims. The companies above have some of the best products and reputation thus one can confidently become their partners in business.
Learn About South Africa Medical Insurance
One of South Africa’s major public health concerns is equal access to health care facilities for all citizens across the country. There is currently a division among the population, between those who can afford private health insurance and receive state-of-art services, and others who depend on the public health system and endure long waiting lines and receive relatively basic medical treatment. South African Private healthcare facilities are deemed on par with international standards, providing modern equipment with internationally trained staff.
As well as inequality in accessing adequate healthcare, South Africa's population is struggling with one of the highest epidemics of HIV/AIDS and tuberculosis in the world, as well as diabetes and smoking-related diseases. In response to these concerns, the South African Government is undergoing a healthcare transformation, including the endorsement of a health care reform that aims to expand access to healthcare facilities and improve health promotion initiatives. There is also emphasis on the Government’s aim to improve the regulation of health service providers, occupational health compensation, and health insurance policies.
The private health care system in South Africa is renowned for its state-of-the-art services and ranked as the best country to receive private medical care within the African continent. Expats in South Africa therefore opt for private healthcare services managed by large hospital groups including Medi-Clinic, Life Healthcare, and International SOS. Expats in South Africa are strongly encouraged to obtain some form of South Africa private medical insurance, to ensure ease of access to private healthcare services within the country.
For booked admissions at private hospitals in South Africa, expat patients must obtain a letter of guarantee, issued by their health insurance company on or before admission to hospital. In the event of an emergency, expat patients will receive immediate care but will remain liable for the claim until a letter of guarantee is issued. Expat patients who requite outpatient services, generally pay with cash and will be provided a receipt for reimbursement from their insurer.
Medi-Clinic is one of the largest private hospital groups in the world, managing multidisciplinary hospitals worldwide including 50 hospitals located in urban areas throughout South Africa, including Johannesburg and Cape Town. Medi-Clinic hospitals have specialized treatment areas including emergency, maternity, heart and stroke units. Life Healthcare manages 63 private hospitals within South Africa, including 35 maternity facilities, comprehensive cardiac care units and other specialty departments. Life Healthcare hospitals are located in South Africa's most populated cities including Johannesburg, Cape Town, and Durban.
The International SOS Clinic has an emergency alarm centre located in Johannesburg for expats living in South Africa. In the event of an emergency, patients can contact the alarm centre to speak to an International SOS staff member, 24 hours a day, all days of the year. The emergency evacuation teams are experienced and provide air and land transportation services within any location of the African continent, as well as repatriation services if required.
The costs involved in covering emergency air transportation within the African continent and overseas are very expensive. As such, expats in South Africa are strongly encouraged to obtain some form of South Africa medical insurance, to ensure ease of access to health and medical facilities within South Africa including air transportation and medical evacuation services.
Tuberculosis (TB) is a serious problem in South Africa, especially within the Western Cape Province where the city of Cape Town is located. TB is spread from person to person and is easily detected, treated and cured. Problems associated with TB in South Africa are further compounded by the high HIV/AIDS prevalence among the population, due to the impact of HIV/AIDS on the human immune system.
South Africa accounts for approximately 67 percent of people living with HIV/AIDS worldwide. Around 5.7 million people are living with HIV/AIDS in South Africa, ranking the highest country worldwide in that regard. Prevalence of HIV/AIDS in South Africa, on average, is higher among the female population. Prevalence by age group is highest among males aged between 30 and 34, and females between 25 and 29 years. Many factors contribute to the spread of HIV including poverty and social instability; the low status of women and sexual violence; migrant workers who have multiple sex partners while working away from home; and overall mismanagement of the HIV/AIDS epidemic in earlier years.
In terms of street safety, expats living in South Africa need to practice high level of caution due to the high level of serious crime. Muggings, armed robbery as well as murders and rape are common in some areas of South Africa. The inner suburbs of Johannesburg including Berea and Hillbrow, and the beachfront in Durban are particularly prone to higher levels of crime. Expats should also be cautious while traveling by car due to the high frequency of carjackings in South Africa.
To call an ambulance service within South Africa dial 1-0-1-7-7; police department dial 1-0-1-1-1; or fire brigade dial 1-0-1-7-7.
For more information about South Africa medical insurance plans, or to receive a free quote, please contactone of our dedicated advisors today.
Types Of Business Insurance In South Africa
Types Of Business Insurance In South Africa
From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the right insurance in place. Fortunately, businesses have access to a wide range of insurance types to protect them against these dangers. Here a list of 7 types of business insurance in south africa , that a business must have in place as soon as possible.
1. Physical assets
Whether a business owns or leases its space, property insurance is a must. This insurance covers equipment, signage, inventory and furniture in the event of a fire, storm or theft.
2. Vehicle insurance.
If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur. At the very least, businesses should insure against third-party injury, but comprehensive insurance will cover that vehicle in an accident, as well.
3. Theft cover
This covers your business’s stock and equipment in the event of a robbery or hold-up.
4. Travel insurance
If your employees are going to travel frequently as part of their job, some sort of travel insurance needs to be provided by the business.
5. Business interruption insurance.
If a disaster or catastrophic event does occur, a business’s operations will likely be interrupted. During this time, your business will suffer from lost income due to your staff’s inability to work in the office, manufacture products or make sales calls. This type of insurance is especially applicable to companies that require a physical location to do business, such as retail stores. Business interruption insurance compensates a business for its lost income during these events.
Where to Start your Search for business insurance
Below is a list of insurance companies that provide business insurance products across a wide spectrum.
Millions of South Africans choose Santam as their insurer of choice. We are the largest short-term insurer in the country. We do insurance good and proper.
Love your life without worrying about the risk. Get affordable car, home & life insurance products, sound advice and savvy investment options from Hollard today.
Bonds and Guarantees. Commercial Property. Engineering Insurance. Events Liability. Marine Insurance. Truck and Heavy Commercial Vehicle (HCV) insurance. Vehicle and Asset Finance Insurance. Directors and Officers Liability Insurance.
Types Of Business Insurance In South Africa
Subscribe to:
Posts (Atom)