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Massachusetts Traffic Laws and Surchargeable Points

Massachusetts Traffic Laws and Surchargeable Points

Massachusetts traffic laws aim to prevent traffic accidents and help determine who is liable in the event of a motor vehicle accident.

Massachusetts Laws for Sharing the Road

Massachusetts traffic laws dictate that upon approaching an intersection, drivers have a responsibility to yield to oncoming traffic. If a vehicle drives past a yield sign and subsequently collides with your car in an intersection, the collision itself is evidence that the other driver failed to yield.

Evidence of driver negligence can be used in a Massachusetts personal injury lawsuit as proof of the other driver’s liability in that traffic accident. Any time a vehicle fails to yield in any of the following manners and that failure results in a Massachusetts car accident, the victim of the collision has clear evidence of the other driver’s negligence:

o Running a red light;

o Performing an illegal U-turn; and

o Operating their vehicle in any other reckless manner, including speeding (any person operating a vehicle in excess of a posted speed limit is automatically determined to be driving at a speed more than reasonable and proper).

Massachusetts Drivers’ Responsibilities

Massachusetts traffic laws outline driver responsibilities after a motor vehicle accident. Every driver involved in a traffic accident has the duty and responsibility to file a report with the local police department and make known all applicable information when:

o A person is killed;

o A person is injured; AND/OR

o There is property damage in excess of $1,000.

This Massachusetts traffic law was enacted to ensure that when an injury- accident occurs, the victim would be able to get information immediately about the other person involved in the accident.

Massachusetts traffic laws also state that it is illegal to operate a vehicle without:

o A valid driver’s license;

o Insurance with specific minimum limits; AND

o Vehicle registration.

Failure to possess any of the above documents is punishable by fines, possible jail time, and possible license suspension. Most likely, a violation of this sort will result in surchargeable points being charged to the offender’s license and insurance.

Massachusetts Surchargeable Points

The insurance rates in Massachusetts are set by the Massachusetts government. The state and insurance companies use a system of surchargeable points to reward safe drivers and penalize negligent drivers. Drivers accrue surchargeable points for moving violation convictions, which raises insurance premiums and can result in a suspended license.

Massachusetts drivers are also given a surcharge on their insurance premiums for any motor vehicle accident in which either:

o The driver was ruled at fault; OR

o The driver’s insurance company pays out more than $500 in claims.

How a Massachusetts Accident Attorney Can Help

If you, or a loved one, have been seriously injured in a Massachusetts car accident and you suspect the other driver violated any of the laws cited above at the time of the accident, you can file a personal injury lawsuit. Through a personal injury lawsuit you can seek financial compensation for:

o Medical bills;

o Lost wages and future earnings;

o Physical therapy;

o Emotional distress; and

o Other expenses related to your injuries.

It is important to retain an experienced Massachusetts personal injury lawyer who has successfully handled cases similar to yours. Don’t go it alone! A skilled personal injury attorney can help you establish negligence and increase the odds of receiving a fair settlement or verdict for your injuries.…

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How To Gain Compensation For An On The Job Auto Accident

How To Gain Compensation For An On The Job Auto Accident

Auto accidents happen on a regular basis and in a number of ways. One way that is often overlooked by many people and in particular insurance companies is auto accidents involving company vehicles and employees. If you or a loved one has been injured on the job, you may still be able to file for compensation with your insurance company, because it is an auto accident. Today, we will be looking at how to gain compensation for an auto accident while working.

You may be shocked to learn, that under the Workers Safety and Insurance Act (WSIA) a person injured in a motor vehicle accident while on the job, may have their benefits from the insurance company reduced substantially. Essentially, under the WSIA an employee is restricted from filing for maximum benefits under both the worker safety act, and the statutory insurance benefits schedule. In other words, you get treated as an employee being injured on the job, rather then both injured on the job and a regular citizen. For a regular citizen, you would only be able to claim benefits under the no-fault benefits schedule and not through your place of employment.

The reason for the restrictions, are looked at in a variety of ways. On the one hand, the limitation on how much a victim can claim from both policies prevents fraud. For example, a person could claim they were in a car accident and be unable to go to work, but their accident may only be a fender bender and they may only sustain bumps and bruises. Yet, because they couldn’t attend work, they would be able to claim for both policies. Under the WSIA, you can only claim certain benefits from each policy, instead of both policies.

On the other hand, the WSIA is looked at as a sneaky way for the insurance companies to save money. By limiting the amount of each policy being claimed, the insurance company ultimately pays less then what may be necessary to resolve the claim. In fact, under section 59 of the SABS act, an insurance company actually is not required to pay compensation to an injured accident victim, if they are injured on the job. This means, that if your workers compensation is already covering some of your damages, your insurance adjuster has the right to avoid paying you any no-fault benefits.

What’s important to understand, is that you have the option to opt out of the WSIA policy. If you were to choose to do this, you would then be able to purse a tort claim for more compensation against the negligible party in your accident. This in turn, would allow you to recover the amount of compensation, you otherwise would have been prevented from doing thanks to the WSIA policy. Furthermore, there is no clause within SABS to prevent you from taking this route. The only reason you would avoid filing a tort claim, is because the compensation within WSIA is enough to cover all of the damages you have incurred.…

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What To Do About Reckless Drivers

What To Do About Reckless Drivers

Reckless and aggressive drivers can make the roads dangerous for everyone around them, including themselves. High speeds and erratic maneuvers make these drivers a threat at every turn. But everyone encounters these types of drivers on the roads. It is important for other drivers to know how to safely react in situations in which they see a reckless driver.

Avoiding these drivers is the safest practice. If you remove yourself from their path, you are far less likely to be entangled in a dangerous accident. But trying to take traffic safety into your own hands is actually making an accident more likely and not preventing danger. Trying to block a speeding or reckless driver may only cause them to react more erratically and dangerously. This type of response may actually be making the road more dangerous for everyone around you as well.

If you encounter a reckless driver, your best bet is to let this driver pass you by. But this type of response does not have to be a passive defeat. You do have the right and ability to report reckless driving. Informing your local authority of the make, model, and license plate numbers of the reckless driver is an active step in making your roads a safer place.

It is not in the interest of your safety or the safety of others to try to maintain your lane or right-of-way when you are approached by a wild or reckless driver. Also, wearing your seat belt at all times is an incredibly important safety precaution just in case you are involved in an accident with this type of driver.

If you have been injured in an accident and you feel that reckless driving contributed to your injury, please visit the website of the Green Bay car accident lawyers at Habush, Habush, & Rottier, S.C..…

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Routine Maintenance

Routine Maintenance

To drain the oil in your vehicle first remove the oil filler cap under the hood of your car. Place a catch pan under the oil pan of your car, and remove the oil drain plug, allowing the oil to flow into the pan. Then locate your oil filter. The position varies between makes and models but the thread direction is always the same. To remove it twist it to the left!!! LEFT!!! I usually loosen it a half a turn and then replace the oil drain plug, wiping off any excess oil around the drain plug. Then remove the oil filter. Check to make sure that the circular rubber gasket came off with the filter. Putting a new oil filter on with a new gasket with the old one still attached is referred to as “double gasketing” and can lead to some costly repairs, so be very careful! Once you verify the old gasket is removed, install the new oil filter, lubing the new gasket with fresh oil. Turn it until it the gasket squishes against the mating surface and then give it another 1/4 turn. After this just replace your engine oil with the proper quantity and weight, determined by manufacturer by engine size.

Then turn the vehicle on for a few seconds and turn back off. Remove oil dipstick and wipe clean. Reinsert and when you remove again the level on the dipstick will be the engine oil level. All dipsticks are clearly marked as to what is the safe oil operating level.

Perform the necessary maintenance reminder light and you are good to go!! This along with replacing your engine air filter, spark plugs and changing your fluids regularly will go a long way to preserving the life of your vehicle!!! Most conventional motor oils these days, begin to breakdown at around 5000 miles so changing your oil based on that will prevent sludge buildup. If you see and leaks on your engine either take it to a shop, or refer to future articles I will be posting. I will try to cover as many topics as possible, and if you have a problem you have been working through or a topic you would like discussed, feel free to drop me a line!! Also a quick tip, air up your tires to keep your fuel costs down!!! Keeping your tires inflated to the proper pressures, as indicated on the manufacturers tire stamp on the inside of the door, will help maximize your fuel economy, and is an all around smart safety practice!!…

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It Pays to Be Green: Federal Tax Credits for Energy Efficiency

It Pays to Be Green: Federal Tax Credits for Energy Efficiency

The key behind turning something that is considered a fad into a permanent phenomenon is to incentivize people. There is no better demonstration of this than the federal government’s efforts to encourage people to become more environmental conscious in the rituals of daily life. This is certainly one of the goals underpinning recent tax credits for taxpayers who made energy efficiency improvements or installed renewable energy systems in their homes in 2009. These individuals can claim these credits, which were part of the 2009 American Recovery and Reinvestment Act, on their federal income return for 2010.

IRS Enrolled agent Michelle Andover expects to see a surge in taxpayers capitalizing on this opportunity. “I know I advised many of my clients to consider making these green improvements as a way of boosting their federal return.” Discussion of energy-related tax credits was also incorporated into tax CPE, tax continuing education courses for CPAs, enrolled agents and other tax professionals, last year, a factor that is also likely to boost the number of such claims.

For the registered tax agent who isn’t yet up to speed on these energy-related tax credits, below is a summary of the relevant tax credits that were either created or expanded as part of the 2009 Act.

Residential Energy Property Credit

This tax credit is designated for individuals who made qualified energy efficient improvements to their existing homes. In terms of its value, the credit is 30 % of the cost of all qualifying improvements. The maximum amount that can be claimed is $1,500 for improvements made in both 2009 and 2010. Typical qualifying improvements include adding the following:

insulation

energy efficient exterior windows

energy-efficient heating and air conditioning systems

Residential Energy Efficient Property Credit

This tax credit assist individual taxpayers with paying for such qualified residential alternative energy equipment as solar hot water heaters, solar electricity equipment and wind turbines and geothermal heat pumps installed in the home. The credit, which runs through 2016, is valued at 30 % of the cost of qualified property.

Plug-in Electric Drive Vehicle Credit

ARRA modifies this particular credit for qualified plug-in electric drive vehicles purchased after Dec. 31, 2009. The minimum amount of the credit, which runs through 2014, is $2,500. The credit also maxes out at $7,500, depending on the battery capacity. ARRA phases out the credit for each manufacturer after they sell 200,000 vehicles.

Plug-In Electric Vehicle Credit

This tax credit applies to two types of plug-in vehicles: (1) certain low-speed electric vehicles and (2) two- or three-wheeled vehicles. The amount of the credit is 10 % of the cost of the vehicle, with a maximum credit of $2,500 for purchases made after Feb. 17, 2009, and before Jan. 1, 2012.

Credit for Conversion Kits

This amount of this credit is 10 % of the cost of converting a vehicle to a qualified plug-in electric drive motor vehicle. The conversation must have happened after Feb. 17, 2009. The maximum credit, which runs through 2011, is $4,000.

Treatment of Alternative Motor Vehicle Credit as a Personal Credit Allowed Against AMT

Beginning in 2009, ARRA will allow the Alternative Motor Vehicle Credit, inclusive of the tax credit for purchasing hybrid vehicles, to be applied against the Alternative Minimum Tax. Prior to the new law, taxpayers were unable to use the Alternative Motor Vehicle Credit to offset the AMT.

Given the increasing popularity of these credits, with more of the kind slatted for 2011, tax professionals will undoubtedly start to learn more about them in continuing education tax courses and books this year.

IRS Circular 230 Disclosure

Pursuant to the requirements of the Internal Revenue Service Circular 230, we inform you that, to the extent any advice relating to a Federal tax issue is contained in this communication, including in any attachments, it was not written or intended to be used, and cannot be used, for the purpose of (a) avoiding any tax related penalties that may be imposed on you or any other person under the Internal Revenue Code, or (b) promoting, marketing or recommending to another person any transaction or matter addressed in this communication.…

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Issues Involved in Traffic Accidents

Issues Involved in Traffic Accidents

Traffic accidents are a common cause of injury for many people in the world. Most people have either been in an auto accident or know someone who has. Traffic collisions occur when a motor vehicle collides with another vehicle, pedestrians and similar road users including animals, obstacles on the road including architectural and physical features. Oftentimes, accidents lead to fatalities, physical injury, and damage to property. All traffic accidents, including motorcycle accidents as well as train accidents, have the major denominator of being caused by the human factor (driver impairment), vehicle design, road design, speed of operation, among other factors. Global; statistics indicate that traffic accidents lead to significant disability and mortality not to mention significant financial costs to both society and the individual. Road traffic fatality can be described in various ways as the definition differs from country to country.

In the United States for instance, according to the definition used in the Fatality Analysis Reporting System (FARS) run by the NHTSA a fatality during an auto accident occurs when a person dies within 30 days of a crash on a US public road involving a vehicle with an engine, the death being the result of the crash. To elaborate further, if a driver has a non-fatal heart attack that leads to a road-traffic crash that causes death, that is a road-traffic fatality. However, if the heart attack causes death prior to the crash, then that is not a road-traffic fatality. This definition and many others like it in various countries around the world are apt to change with the passage of time. Indeed, in France, fatality is defined as a person who dies in the 30 days after the accident; but this definition was only incorporated after 2005 and previously used to be that fatality in an auto accident could only occur within the 6 days after the accident. Motor vehicle accidents cause a variety of personal injuries that pose a threat to the health and wellbeing of individuals

Auto fires are common cause of burn injuries and according to the Federal Emergency Management Agency (FEMA) they kill several hundred and injure several thousand people each year. Timely exit from a burning car oftentimes mean the difference between life and death for most people. Gasoline spills arising from car crashes should be handed carefully as it is a highly flammable liquid and can cause death if ignited. It is also important not to open the hood of a car if you suspect the outbreak of a fire following an accident. The air could make the fire more severe. Car smash ups can also cause brain injuries when people are banged up on car seats, wind shields, or thrown out of their vehicles due to the impact. Brain injuries lead to brain damage or brain hemorrhage which can easily result in death or permanent disability. This often means loss of a livelihood in the case of disability. Most insurance carriers will first evaluate the types and severity of damages suffered and then to percentage of fault to calculate the amount of compensation due.…

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Basic Information About Minimum Auto Insurance Requirements in Alabama

Basic Information About Minimum Auto Insurance Requirements in Alabama

Alabama is a state where vehicle owners must purchase liability coverage. If you do not want to buy insurance, you can choose from other options. Some of the alternative options you can choose form include motor vehicle liability bond and certificate of cash bond. The minimum requirements for the motor vehicle liability coverage is $50,000. In Alabama, the minimum injury liability requirement for a single person is $25,000. For all the passengers, the minimum requirement for the injury liability insurance is $50,000. The property damage insurances minimum requirement is $25,000 in one accident. You should buy more than the required amount of insurance so that you can avoid emptying your account during the accident. Aside buying liability coverage, you should buy other types of coverage such as uninsured/underinsured insurance or comprehensive insurance coverage.

If you are driving on the highway, make sure you carry insurance proof. There are many ways to provide proof that you meet the financial responsibility of the state. Some of the approved proofs of financial responsibility includes insurance card, certificate of liability policy, proof of vehicle purchase, car rental agreement, motor vehicle liability bond and certificate of cash bond. There are several situations where you will be asked for the proof of insurance. The police officer may stop your car and ask for the proof of insurance. If you happen to be involved in an accident, the police officer ask for proof of insurance. When you are attempting to register a vehicle, you will be asked to provide a proof of insurance.

If you fail to carry the proof of insurance, your vehicle registration can be suspended. After your vehicle registration is suspended, you have to pay a reinstatement fee. The reinstatement fee costs about $100. The vehicle registration can be suspended up to 4 months. You have to provide proof of insurance within 4 months. If this is your second offense, you have to pay a fee of $200. The Department of Motor Vehicle (DMV) can charge you additional fee up to $1000. If you offend for the second time, your driving license can be suspended for 6 months.

To avoid getting involved in a serious financial situation, you should buy more than the minimum requirement. If you only buy insurance to meet the basic requirement, you will have risks of emptying your bank account to pay for the accident cost. To find out how much insurance to buy, you should calculate the value of your properties. The auto insurance coverage will protect you from legal fees and medical costs. You can use the car insurance quote search engine to compare the cost. To use the car insurance quote search engine, you have to provide your zip code. After that, you will be asked to choose a provider. Once you have selected a provider, you can purchase the insurance policy.…