Purchasing, repairing, and maintaining a car can be very expensive, especially with the rising cost of gas. For many car owners, an insurance policy (which is required by law) seems like an added burden. However, automobile insurance offers a number of benefits, foremost of which is a financial safety net in the case of a car accident or vehicle mishap.
Fortunately, there are a number of strategies car owners can take to find discounts and cut down on their insurance premiums. One of the most important steps to take is to drive safely and maintain a clean driving record. Drivers who are frequently involved in accidents, deemed high-risk drivers, are seen as a liability for insurance companies. According to the website of Milwaukee auto accident lawyers, insurance companies often charge high-risk drivers more because of their tarnished record.
Insurance companies also base their policies on how long they think a driver will maintain a policy; those who are likely to keep a policy for a longer period will receive better rates. If your insurance record contains any blemishes, such as not having a policy for several months, carriers might charge you a higher rate.
Many drivers also fail to take advantage of the discounts automobile insurance companies offer. These discounts are not “advertised” to drivers, so few people know about them. Discounts are offered for married couples, for people who bundle home and auto insurance, and for people who pay their bills online. Some companies even offer younger drivers significant discounts for having good grades.
Automobile insurance is a necessary burden that offers financial security and peace of mind for drivers. As long as you drive carefully, seek out discounts, and continue to maintain an insurance policy, you can save a significant amount of money on your insurance bill.
According to federal law, employers are required to treat all workers equally, whether they are U.S. citizens or legal immigrants, and whether they share the employers’ national origin or not. However, employers continue to purposefully discriminate against various groups of workers. It is important for workers to know and understand federal regulations so they can prevent workplace discrimination and report instances of it to authorities.
Certain groups are frequently discriminated against. In particular, immigrants to the United States, even if they have a work visa and other documentation, often find themselves targets of workplace discrimination. This discrimination is illegal, since immigrants are protected by federal laws enforced by the Equal Employment Opportunity Commission (EEOC) According to the website of Melton & Kumler, a worker who is treated unfairly on the basis of national origin or race may be eligible to receive financial compensation.
If you believe that you have been discriminated against, contact a employment lawyer today to discuss your options.
National origin discrimination includes any discrimination due to a person’s appearance, cultural customs, or language. The EEOC also prevents employers from using hiring practices such as citizenship requirements and minimum height requirements, which could rule out certain national and ethnic groups. Also illegal is discrimination against the language of a person or group, which includes enforcing speak-English-only rules and discriminating against someone because of their accent, even if they can be understood clearly.
Discrimination based on a person’s citizenship is also completely illegal. The Immigration Reform and Control Act of 1986 prevents employers from using “U.S. citizen only” and “Green card only” policies, and prohibits requiring additional work authorization documents that are not stipulated by federal law.
According to the EEOC, it is your right to work without undergoing employment discrimination. If you are a victim of discrimination based on national origin or ethnicity, call 1-800-669-4000 to reach an EEOC office and begin an investigation.
Texting while driving is one of the most dangerous actions a driver can take—texting while driving results in thousands of injuries across the U.S. each year. As a result, the penalties for texting while driving are quite harsh. But what about texting a driver?
Last week, a court in New Jersey ruled, somewhat controversially, that people who send texts to others they know are driving can be held accountable for a car accident. It’s a known fact that distracted drivers perform worse than focused drivers, making mistakes such as failing to use turn signals or weaving between lanes, according to the website of the Sampson Law Firm, most Americans would agree that the responsibility for an accident involving distracted driving falls squarely on the shoulders of the distracted driver.
The New Jersey ruling claims that a sender who knows the recipient is driving and will check the text message “has taken a foreseeable risk in sending a text at that time.”
“The sender has knowingly engaged in distracting conduct,” the report read. “It is not unfair to hold the sender responsible for the distraction.”
A report from Texting and Driving Safety states that texting resulted in 1.3 million car accidents in 2011. According to the Law Offices of Williams Kherkher, these distracted driving accidents can cause injuries ranging from broken bones and lacerations to paralysis. The results of a car accident are a lot of responsibility to place on the sender of a text message. New Jersey Assemblywoman Caroline Casagrande said she thinks drivers are fully responsible for driving without texting, and plans to introduce a bill to protect senders from legal action.
“This legislation puts the responsibility where it belongs – in the front seat with the driver,” Casagrande said.