Latest Trends In The Car Insurance Industry

Technology has made its presence felt in just about any industry. In the corporate world, computers are slowly taking the place of humans. One other industry is starting to embrace technology is car insurance. A car insurance provider that utilizes up-to-date technology has a competitive advantage over other companies. Not every company will offer technological innovation.

The last decade saw an increase in more complex automotive technologies that has made driving safe impacting car insurance premiums. Big data has improved a company’s ability to forecast risk trends. In the coming years, the insurance industry will be feeling the impact of these innovations.

One of the biggest changes that will impact the car insurance industry is driverless vehicles. According to the ENO Center for Transportation, if 9 out of 10 vehicles on the road were driverless, the result would be 4.2 million accidents less and 21,700 lives saved a year. A study by the Transportation Research Institute of the University of Michigan revealed that driverless cars with unoccupied “return home” could decrease vehicle ownership by 43%. Google estimates a 90% drop in vehicle ownership with this technology.

Another technology that will find its way in the market is telematics. It combines computers and wireless technology in order to stream information across several platforms. Telematics helps provide car insurance companies with information such as the length of time a car went over a certain limit or how quickly a driver hit the brakes. The technology was used in 2012 when State Farm partnered with Ford in order to create a pay as you go policy.

User-Based Mobile Applications

Insurance companies are starting to offer mobile applications in creating quotes, reporting claims, getting information, and allowing customers to summon agents to their home. Likewise, it has allowed drivers to transmit live vehicle data and capture images and loss investigation information.

As technology slowly finds its way to the industry, the need for car insurance will feel its impact until such a time that there would be no need for it.

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Healing Clays for Pets

In a time where pollution, chemicals, additives, and occasional inspection for mycotoxins (and other contaminants) in pet foods, many people are looking for a healthier and more natural alternative to help our pets protect themselves from health problems both internally and externally. The Food and Drug Association (FDA) lists 35 different dog food and treat recalls in 2015 and January of 2016. In the natural world, animals have been known to eat earth or soil to help their digestive systems and avoid poisons. This therapeutic use of earth or soil has been seen in a number of species, such as cattle, birds, wolves, and even fish, either by eating the soil or using it externally.

In order for healing clay to be therapeutic to animals, it should allow for great digestive support and provide needed minerals that support healthy digestive system. According to the Earth’s Natural Clay website, calcium bentonite clay is one of the widely used healing clays not only for humans but for animals. It offers a holistic care that benefits the body in three major ways: maintenance, medicine, and natural supplement. It has been proven scientifically to help the body is a variety of ways, mainly through simple processes like cleansing the body of toxins and replacing them with minerals that promote and strengthen the immune system. Balancing the ph level of the gut, it boosts health bacteria in the body. When used externally, it can fight off infections and heal injuries faster.

Being pet owners, we have the responsibility of ensuring that our beloved pets are in the peak of health, although this may not always be easy because of language barriers. We have to check whether out pets are well through their actions and behaviors. Any unnatural behaviors and changing habits are indicative that the animal may be suffering, and a check up is necessary mineral deficiencies and poor digestion can be a cause of such distress, therefore ensuring that your pet are getting the necessary minerals and absorbing the vital nutrients from their food and drinks would prevent diseases and illnesses. Make sure that you keep your pets healthy by giving clay that helps boost their immune system and support their health.

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Medical Dangers: From Defective Pharmaceuticals to Physician Malpractice

It’s important for any population to have access to an effective and efficient health care system. Everyone in the medical community plays an important role in making sure this is true. Both medical professionals and pharmaceutical companies have a responsibility to provide the public with quality service that meets the high standards demanded by their industry. Failure to meet these standards can easily become detrimental to the public they are hoping to help, leading to potential medical dangers that can risk people’s safety and even lives.

The existence of medical dangers is a topic that is mostly just alluded to. While there is certainly coverage of such incidents in the media, not many people are aware of the potential detriments caused by a well-trusted community. Based on data from the U.S. Department of Health and Human Services, a total of 160,619 cases of medical malpractice payments were reported during the 10-year period of 2003 until 2013. In a separate report by the American Nurse Today, it is estimated that roughly 7,000 people are killed due to adverse effects caused by drugs and medication errors. Both these figures underscore that medical dangers is becoming an important but unrecognized issue in America.

Medical malpractice can come in several forms. According to the website of the Driscoll Firm, birth injuries are among the most common. Birth injuries happen due to a physician’s negligent error that occurs any time before or during an infant’s delivery. These injuries can result in life-altering conditions such as cerebral palsy.

When it comes to the issue of defective medical devices, a specific example can be found in the adverse effects caused by vaginal mesh. As noted at www.williamskherkher.com/practice-areas/defective-pharmaceuticals/vaginal-mesh-lawsuit/, the surgical mesh meant to provide support to the vaginal wall can cause certain complications that are quite alarming. The risks of using a vaginal mesh include developing fistulas, infections, and urinary retention.

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Contributing Factors to Car Accidents in the United States

It is hard not to agree with the assertion that there is a high rate of car accidents and other traffic crashes all over America. As evidenced by data from the United States Census Bureau, an annual average of 10.6 million accidents were noted for a 6-year period starting from 2004 until 2009. In all these millions of accidents, many have been fortunate enough to walk away with minor injuries. However, there are also a significant portion of those affected that were severely injured or even killed.

There are so many factors that contribute to these dangerous incidents. Car accidents can happen due to factors that are out of the hands of drivers, such as mechanical defects and hazardous road conditions. However, there are also times when car accidents are caused by negligent and reckless behavior. Drunk driving is one of the most common reasons for car accidents that result in fatalities. Other negligent errors include traffic violations such as speeding, failing to use proper signals, and disregarding traffic lights and stop signs.

SUV and 4-wheel drives are also susceptible to a few added factors. These vehicles can easily fall over to the side or flip over completely in what are called rollover accidents. This is typically due to the size of the vehicle, which can cause instability when a driver suddenly swerves or make abrupt turns. Defective designs on the part of manufacturers can also make rollover accidents even more possible. While newer models have specialized equipment installed in vehicles to help with stability, older models lack the proper apparatus to solve the dilemma.

A car accident can be a very traumatic event, causing serious injury and other long-term consequences. It’s important for drivers to know of the factors that contribute to these events in order to keep a presence of mind while out on the road.

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Chapter 11: Bankruptcy Option for Texas Businesses

In the last recent years, the instability in the U.S. market dealt significant impact in the lives of millions and millions of Americans. While the nation is now slowly recovering from this downturn, much of the population still remains affected by the financial crisis. Among those severely affected by the recession are business owners. Many of these people are left with few options, and some still face the threat of having to close down their businesses for good.

An option available to these businesses is delineated in chapter 11 of the U.S. Bankruptcy Code. According to the website of Erin B. Shank, P.C., many business owners favor Chapter 11 bankruptcy because it allows them to reorganize and repay their debts while maintaining operations. Basically, filing a Chapter 11 petition can be granted a reorganization plan enabling business owners to repay their debts over a specified time period. While following this reorganization plan, business owners can successfully continue on with their operations and earn profits to help chip away at their debt.

There are some cases when a court might require a business to have some assets or properties liquidated in order to successfully cover their debt. This can effectively force a business to downsize in a very significant way. As a result, the website of Erin B. Shank, P.C. emphasizes that a Chapter 11 bankruptcy is most suitable for businesses with significant assets and income.

A Plano bankruptcy attorney may let you know ahead of time that another hurdle to a Chapter 11 bankruptcy is the amount of time it takes to process the petition. It will also require a petitioner to pay substantial fees that is at least around $500. Still, even with these concerns, a Chapter 11 bankruptcy can provide businesses the opportunity to pay off debt and keep their doors open to serve their clientele.

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