4 articles Tag insurance

Busting Common Personal Injury Claim Myths

Personal InjuryPhoto by Harlie Raethel on Unsplash

Personal injury claims are often somewhat historic. Although timescales do apply to certain scenarios, the window in which to make a personal injury claim extends into years. The reason behind so many historic claims is misinformation – personal injury claim clients often mistakenly believe that they are not entitled to compensation for reasons that make sense to them, and they do not wish to face the embarrassment of being told they do not have a case. If you think you have a claim, speak to a personal injury lawyer. There are no wrong questions. Only answers. Now let’s take a look at some of the most common personal injury claim myths.

Few cases go to trial

There’s no one size fits all piece of advice on personal injury claims on whether the case will progress to court – all cases are unique. However, the chances are heavily in favour of your case being settled out of court. This should put your mind at rest regarding and worries you may have about appearing in front of a judge.

You won’t be chased by your lawyer all day every day

Some people worry that their case handler will be placing phone calls and sending letters non-stop, in the kind of way that takes over your life and leaves you wondering if it was all worth it. Suffice to say, lawyers are busy, sometimes with caseloads numbering in the hundreds. You will not be pestered.

Thinking you don’t have a claim

This is perhaps the most common cause of people not picking up the phone to contact a personal injury lawyer. The basic principle to remember is that if you have been injured in an accident either in the street or on a property that you do not own, the legality of who is in charge of your safety falls squarely on somebody else’s shoulders (known as liability). Just because you may think the accident could have been avoided if you had been paying more attention, the fact is that you were allowed to be put in a situation where an accident can occur. That is the bottom line.

You failed to gather any evidence

People may tell you that unless you took photos your case may not go through. This is not true. Personal injury solicitors are not new to how these things work. Seek advice to find out how your case can go ahead even if you did not take photographs of the scene of the accident.

Why Is Your Credit Score So Important?

There are a lot of adverts on TV about credit score checkers at the minute. It seems like everybody is always talking about how important it is to know your credit score and if it isn’t good, to fix it. But how important is it really? A lot of people don’t really bother about their credit score but at some point, it comes back to bite them because it is more important than you think. These are just some of the reasons why a good credit score is so important.

credit score

Image From Pexels CCO License

Borrowing Money 

Spending loads of money on a credit card is never sensible, but there are times in life when you need to borrow money. Say, you’re buying a new car or you want to do home renovations, for example. It’s fine to borrow money in these situations and if you shop around for good deals, you will be able to manage the repayments. But if you have a credit score, you are seriously limited. You can still get quick loans from new horizons and other similar companies but you may not be able to borrow as much as you need and you will probably pay higher interest. Your credit score is essentially a measure of how responsible you are with money and if you have a bad score, people will not trust you enough to lend you money. If you find yourself in need of a loan for some reason, having a bad credit score will make life difficult for you.

Buying A House 

Buying a house is one of those times when you need to borrow money, and if you have a bad credit score, you will struggle. Your options for mortgages are very limited, if anybody will even lend to you at all. It’s likely that you will end up paying a very high interest rate on your mortgage if your credit is bad. That’s why it’s important to focus on your credit score when preparing your finances for buying a house.

Car Insurance

This is one that people often don’t think about, but it’s a big one. If you have a bad credit score, it can really push your car insurance up. This puts younger people in a tough position because their insurance is already high and they don’t usually have a good credit score because they have not had the time to build one up. However, it only affects you if you pay monthly, not if you pay the whole year in one go.

If you don’t know what your credit score is, you need to check it right away. You can do it for free at Clearscore. If your score is not very good, you should look at getting a credit card that is designed to boost your credit score. You can make small purchases and clear the balance right away, and that will push the score up. Beyond that, you need to make sure that you are budgeting your money well and not missing any payments on bills or loans because that will ruin your score again.

The Three Basic Travel Insurance Plans

Are you buying travel insurance plans without understanding what you’re actually acquiring? Have you noticed whether or not you could have got a discounted price while traveling with your whole family? Well, if you answered yes to all those concerns, then you’ve come to the right post. This write-up is surely for you as I will certainly share 3 simple types of insurance coverage. You’ll be shocked how much you have skipped over.

First plan

At this point, the first insurance coverage which I am going to talk about is the typical single australia domestic travel insurance which is the most frequent plan. This particular deal is the one that you buy each and every time you go abroad, irrespective of pleasure or business. I’d recommend this offer if you’re only planning to travel annually as the premium will be inexpensive yet dependable – certainly the ideal choice.

Second plan

The second plan of travel insurance policy is the yearly single pass insurance deal. This particular deal will continuously provide protection over a specific number of journeys. The number of protection provided can be increased with a minor surge in the price tag. This particular offer is highly recommended to people who’re either working abroad or even studying as they need regular insurance coverage while traveling back and forth. It can also help to protect yourself from the problems in obtaining insurance coverage every time you travel.

Third Plan

The last offer is the multiple insurance policy. This particular deal is focused on categories of people or family unit traveling together abroad. The monthly payment made by each individual is a lot less costly in comparison to the other sorts of holiday insurance deals. So, if you’re traveling with friends or family in the near future, don’t hesitate further and buy this plan. Why cover more if you can pay a smaller amount and stretch your budget? Make sure to go for this deal while traveling with a group of people.

Conclusion

These are the 3 standard travel insurance plans which are usually acquired by tourists. You can find, obviously, many other different types of options which you can conveniently search on the internet. There’s even a plan known as a personal package deal. This particular travel insurance policy package means that you can personalize your own coverage in accordance with your preference and needs. On the other hand, it costs a lot more. Thus, I would strongly suggest you choose a pre-set deal closest to your choice.

You need to figure out what benefits you want to include and find an established company. You can find quote websites accessible that help you enter particular requirements such as age. Within a firm, there are various options. Figure out what features you will actually need. If you’re not carrying sports equipment or gear, for instance, you may need a smaller amount of insurance coverage. You may well be in a position to rent a few of the equipment while you arrive at your vacation spot.

It’s a Dog’s Life

This post was kindly contributed by my dog, Chuck.

I don’t remember much about my life before I was 2. I know it wasn’t very nice as I have scars on my feet to prove it, but then I went to the kennels where my ‘people’ came and found me. When they talk to me, they call themselves Mum and Dad, but I don’t think they’re my real parents – they poop indoors into a giant water bowl and I’ve never seen them lick their own butts…

Sometimes, Mum and Dad have to take me to the big shiny white house – I don’t like it there. It smells like other animals and fear and whenever I go there I end up having to have sharp things stuck in me. My humans hug me and tell me it’ll all be okay, but I still hate it, even if they do feed me nice things when I get home. I’ve heard them talking about ‘dog insurance‘ to the person with no legs (at least, I don’t think she has any legs, I can only see her from the waist up) at the shiny white place about it and everyone says things like “thank goodness we have it” – especially when I do things like pulling my claws out by jumping up the back fence because the dog in the garden behind us keeps calling me stupid.

The day that they came to find me, I knew I had to make sure that they took me home with them, away from the draughty kennel where I’d got worms and fleas, so I pee’d up Dad’s leg – that let him know that he belonged to me. That night, Mum and Dad tried to get me to sleep in the spare room, but I didn’t want to be away from them, so I made as much noise as I could to get them to let me into where they were sleeping and I’ve slept with them ever since.

I’d been with Mum and Dad for a few years when Mum’s belly started to get big and one day they came home with a new, tiny pink Human. I think she’s my favourite person in the whole world. She sneaks me treats, gives me hugs and smells fantastic – plus, she leaves her toys all over the place and when no-one is looking, I sneak onto the couch to snuggle with them! But all this is great, exercising with your canine friend will not only encourage you to be more active but it will help you save money on a gym membership.

Mum’s belly has been getting bigger again recently, so I know there will probably be another small pink thing coming to live with us again soon. I might be getting old now and my knees sometimes give me jip, but if this new human is anywhere near as awesome as my sister, I’ll be one seriously lucky old pooch.

Argos is linked here as just one example of pet insurance providers I highly recommended that you shop around for a quote from different providers and choose the one best for you and your family.