Why You May Need a Renter’s Insurance Attorney

If you’re like me, you’ve recently moved into a new apartment. As a student, having my own apartment is a huge upgrade from my tiny dorm. An apartment allows me to spread out, and now I can host multiple people at my place instead of just one or two. The best part is that I have my own kitchen — no more dorm food for me!

Of course, having my own apartment brings its own problems, too. Signing a lease can certainly be a nerve-wracking experience, especially with all the stories of people getting screwed over by their landlords. There’s also a lot more responsibility associated with renting an apartment — and one of those things is renters insurance.

If you’re looking to rent an apartment in the near future, renter’s insurance is certainly something you should think about. Normally the process of obtaining renter’s insurance is usually pretty quick and painless, but sometimes you can have issues with the company you’re getting the insurance from. In these instances, you should contact a renter’s insurance law firm like Smith Kendall, PLLC. Find out what they can do for you below!

What is Renter’s Insurance?

Renter’s insurance is an insurance policy that contains some of the same benefits of homeowner’s insurance but without the coverage of the dwelling or structure of the property. With renter’s insurance, your personal property will be covered in instances of fire, theft, or vandalism.

Renter’s insurance is significantly less expensive than homeowner’s insurance because it is simply meant to protect your personal property and not to insure the actual property. The owner of the building — which isn’t you since you’re renting — is responsible for the property, but not your personal belongings.

While I mentioned my own apartment earlier, you don’t have to have an apartment to be eligible for renter’s insurance. All you need is to be renting your property — no matter if it is a condo, apartment, or a house!

Why Would I Need an Attorney?

You might be asking yourself, “Why would I need an attorney?” Hopefully, you never need one, but if you do — it doesn’t hurt to know of one! Sometimes, in the event that something happens to your personal property — like a fire, theft, or vandalism — your insurance company may not honor your claim.

The company may outright deny the claim, underpay you the amount that you’re owed, or delay your coverage. You’ll also have to speak with representatives who assess the damage — remember, they’re loyal to the insurance company — not you.

Losing your personal items can be a huge financial blow — you’ll want to get the coverage you need as soon as possible. An insurance company is more likely to respond to your needs if they know you are represented by an attorney — as they wish to avoid any substantial legal action.

Don’t hesitate to contact an attorney if you need one — it will get you closer to getting the coverage you deserve!

Dog Bite Prevention 101

Going to the park is one of the most relaxing ways to spend the summer. There’s something for everyone at a park. The kids have a playground, the adults can unwind under a tree with a good book, and dog owners can let their dogs play and bask in the sun.

Even though there are parks that are designed just for dogs and their owners, most people aren’t going to object to a dog playing fetch with their owner. And, since most dogs are social, other people passing on by might even get to pet a couple of dogs on their way home. Most dogs welcome the attention and belly rubs, but a few aren’t quite as friendly.

A nervous dog can react in a few different ways. Some might tuck their tail between their legs and cower behind their owner, and others might bark and take a defensive stance. Other, more aggressive dogs might jump on the stranger and bite them. Even people who know these dogs personally can be victims of an unprovoked attack.

A lot of dog bites happen to people who are friends or neighbors of the dog’s owner. Even children can be bitten if the dog is aggressive enough.

Dog bites can be minor, barely even bruising the skin. They can also be severe, causing major damage to the victim. In addition to breaking the skin, causing bruises, and being incredibly painful, dog bites are also full of bacteria.

Dog bites, like any other animal bite, can be a vessel for disease and lead to major infections. Without immediate medical attention, what seems like a minor injury can cause serious health issues.

Of course, going to the hospital can be expensive, and bills can pile up for the victim. The owner of the dog should almost always be held accountable for this, as their dog was the one that caused the injury.

Before the victim makes this claim, though, they should be sure to go through the right channels to make certain that they will not be blamed for their injuries.

Lawrence & Associates, a Cincinnati-based firm specializing in dog bites, can help the victims get their expenses covered so that they can quickly be on the path to recovery. The owner of the dog will usually defend their dog’s actions and say that the dog felt threatened at the time of the attack.

There are a lot of different factors that can make or break their statement. They have to be able to prove that the dog was threatened, and a victim who has a lawyer specializing in animal attacks can help show that the attack was unprovoked.

While no one wants to think about the repercussions the dog faces in the aftermath of the attack, any consequences that happen are for the best. A properly-handled case will not only give the victim the settlement they deserve but will also help keep public areas safe for anyone who wants to spend a day at the park.

Anxiety Anyone?

I’m convinced that The Villages is one of the best places to live in Florida.  I was hesitant about living here, but once I got here, I knew that it was where I was meant to be.  There’s so much to do and so much to see. I’ve also come to love the change in weather, especially as someone who is from the North and therefore used to much more snow and colder temperatures.

Even if I consider this place a paradise, I can’t help but feel like it could be a bit dangerous.  I don’t know if anyone who lives here feels the same way, but sometimes thinking about all the traffic in the streets gives me anxiety.  I’m sure the community does all that it can to keep people safe, and it’s not even that I feel like I will be harmed – I just sometimes think of all the winding roads and can’t help but wonder what might happen.  Am I really as safe as I seem? Is there anything I could be doing to protect myself? Would I feel better if I was more prepared?

Car accidents can sometimes yield the highest fatalities out of any other motor vehicle disaster. In fact, there are more than 395,000 accidents that occur in Florida.  Our area isn’t necessarily more susceptible; it’s just something that I can’t stop thinking about recently. What would I do if something happened to me? How could I be sure that I wouldn’t have to move away again because of all the hospital fees?

I was wondering if anyone else felt this way.  It seems to me that just because nothing bad has ever really happened in my life before that I shouldn’t be prepared for it.  I’m starting to realize that if something were to happen to me, I wouldn’t know the first place to start.

I came across this link when I was searching for The Villages Car Accident Lawyer.  I wanted to make sure that I had all my bases covered and that I would be okay if something ever did happen to me.  There’s a lot of information about how to ensure that I would be compensated if I were hurt and how a lawyer could help me if I ever did need one.  I thought that this information might be helpful to other people because knowing that I had help if something ever happened definitely gave me peace of mind.

Everyone should do their own research when it comes to disasters like this. I would want to know who I could call if something ever happened to me.  I would also want to make sure that I could help my loved ones and friends if they were ever in trouble. All I have to think about is the 395,000 accidents in Florida a year to make me realize that it’s never a bad idea to have a plan!

A Not-So-Fun Description of My First Job

We all have horror stories about our first job. Some people have had terrible managers, others have had a tough time getting adjusted to the work life. I had a great boss, and I adjusted to the work-life well. My problem was that my job was very physically demanding. Drum roll please: I was a landscaper on a farm.

The term “landscaping” describes an almost endless amount of services. As this article by Ware Landscaping explains, landscaping services include design, maintenance and renewal, and drainage problems to a yard. Of course, the results of landscaping are great. A properly planned and maintained yard makes the home look that much better. Trust me, I know, because when I showed up to the farmhouse on my first day, I was scared for what might be in store for me, but when we finished the work, the place looked great!

I will never forget my first day on the job. I pulled up on the roundabout in my black Toyota Highlander. The farmhouse itself was magnificent: it was a massive, white structure with two stories, a balcony, and a breezeway. Though the home itself was beautified, I quickly realized why my services had been requested. The land was uneven, there were tree branches throughout the yard, the gardens were not properly maintained, and the grass in the lawn was halfway up my knee.

My boss directed me to the back of the house, and I was instructed to pull weeds in a garden adjacent to a massive pool. There I sat, for the next eight hours, pulling weeds by hand in the hot, summer sun. I sat on a yellow bucket and placed the pulled weeds into a second bucket. When the second bucket got full, I would make a long walk, (probably the length of a football field), to dump the weeds into the back of our truck so we could dispose of them at the end of the day. I did not even get halfway finished with the garden I was told to pull weeds from. This was fine, however, because I spent the entirety of the next day finishing up with that garden.

The third day, with a sore lower back and sore legs, I was instructed to wait in the front roundabout for a truck to come. I did not know what was in store for me, but I waited patiently until a massive truck showed up with a load of mulch. The truck dumped the mulch at my feet, and I spent the next few days spreading that mulch to the dozens of gardens surrounding the farmhouse.

A sore back, swollen ankles, and cut-up shoulders later, I was finally done with the landscaping work at the farmhouse. As we were leaving the driveway, I turned around and looked at this beautiful building and the now beautiful yard. Even though it was not my home, it made my pain much more bearable that my hard work produced such a beautiful result.

Giving Up Your Car. Is It Worth It in the Long Run?

It’s no surprise to anyone that Baltimore’s traffic has been found to be amongst the worst in the whole country. According to a new study, Baltimore ranks 19th in the country for worst traffic. Any of us who have wasted a decent chunk of our lives in that traffic could have probably guessed it was that bad. If anything, we would have ranked it higher. How bad is it elsewhere in the country if Baltimore is only 19th?

It’s got me thinking that I need to reexamine my transportation options. I’m not often in Baltimore anymore, but I get sick of the traffic in Providence as well. But what am I to do? I’ve narrowed my options down to these:

  1. Walk everywhere – I could just buy a good pair of kicks and start walking. The public transportation isn’t so bad around where I live. I could probably get by with a bus pass. On the plus side, I’d get healthier. Less time sitting, more time walking. And I like walking around the city. On the negative side, though, the bus and walking takes longer, and I’d still have the traffic to deal with. Plus, the bus pass cost and the cost for tickets anytime I do want to go to Baltimore or elsewhere. It just seems like a pain.
  1. Get a bike – A little faster than option number 1, and another great way to get in shape, but the negatives are obvious. First, it’s more dangerous. Not every driver is very bike aware of bike friendly. I’d also have to deal with all the smog coming out of the buses and cars I’m not driving. And then there’s winter. How much biking would I actually do in the winter? I can’t see myself bundling up in five layers to make the trip to work every day. Really, I think this is the worst option, but I’m including it for completeness’ sake.
  1. Get a REAL bike – I like this idea. A motorcycle would allow me to move through traffic quickly. It’d be faster than a bike or walking/busses, and it’d be cool. Besides, I’d be able to go to Baltimore or anywhere really without needing to get tickets. I’ve always dreamed of having a motorcycle and taking trips during the summer. But that’s the summer. We’d still have the winter to deal with. And even if I could somehow get through that season, motorcycles pretty dangerous. I’m not the bravest person, and when I look at the statistics and the list of potential injuries that I found on the Law Offices of Ronald J. Resmini LTD. website, I just don’t know if I have it in me to actually sell the car and make such a drastic change.

So, I probably won’t do anything. I’ll keep the car, and I’ll survive the traffic. Maybe I ought to consider something a little less drastic to stop stressing about the slow commute. I could start listening to audiobooks, say, or look for some other kind of handsfree activity to make the time pass more easily. Still, when I think about that dream Harley…Maybe next year.

Junk Bonds: Advantages and Disadvantages

Investing comes with risk, but sometimes, that risk is just a necessary hurdle for significant financial gains. One of the best examples to illustrate this is junk bonds. Junk bonds are high-risk and high-return corporate bonds. They are usually categorized as non-investment grade because of various reasons, such as the following:

  • The company that owns the bonds is not financially stable
  • The company may not be able to sustain payments if business and economic conditions falter
  • The company is alarmingly vulnerable to opposing conditions


Like other commodities, junk bonds have advantages and disadvantages. The most obvious advantage is the fact that they can yield high returns. Of course, it is important to note that to get those high returns, investors should be aware that they have to overcome the high risks as well. But when they do, they are sure to get significantly higher points compared to other commodities.

Second, the value of the bond has a chance to spike up, especially if the company has improved its credit rating. This is particularly true for companies who have suffered from unfair credit ratings from the past, because you can feel the spike even more.

Third, it can also be argued to be better than stocks when it comes to high-risk investments. This is because bondholders are paid first before stockholders, so you can still get something back if the company goes down the drain.


The most obvious disadvantage of junk bonds is the fact that it is high risk, in the sense that you can actually lose money especially when there is a default. Another disadvantage is related to the credit advantage mentioned earlier, because credits go both ways. If the credit rating of the company deteriorates, so is the value of the bond. This idea can also be applied on interest rates, in the sense that a rise in the interest rate results into the fall of bond value.

So many people have lost money because of junk bonds because of these disadvantages. According to the website of Erez Law, brokerage firms and financial advisors may be held liable for this, especially if the investment has been discovered to be unsuitable for the investor’s status.


Despite the BAC Limits and the Anti-Drunk Driving Law, many Truck Drivers still Drive while Intoxicated or Alcohol-Impaired

Despite the BAC Limits and the Anti-Drunk Driving Law, many Truck Drivers still Drive while Intoxicated or Alcohol-Impaired

Use of alcohol and drugs by truck drivers, according to the National Transportation Safety Board (NTSB), remains to be the second most common cause of accidents involving big rigs (also called 18-wheelers, semi-trailers or trailer-trucks). With the enormous size of these vehicles, an impaired truck driver behind the wheel completes the threat of possible accident that may easily result to severe injuries or death (impaired-driving may be due to alcohol intoxication or due to the effect of illegal drugs or legal drugs, such as over-the-counter or prescription medicine).

Operating Class 8 trucks, which include big rigs and other commercial vehicles with a gross vehicle weight rating (GWVR) above 33000 lb., requires that the driver has a commercial driver’s license, possesses the necessary skills in the safe operation of a truck, is not feeling fatigued or sleepy, and is not impaired or intoxicated.

To ensure that the last requirement is met, the government has set 0.04% as the legal blood alcohol concentration limit for drivers of 18-wheeler trucks. A driving under the influence (DUI) charge and heavy punishments await those who will be caught with this BAC limit while driving. While those caught with 0.02% BAC level may not be charged with a DUI offense, they, nonetheless, can be issued a 24-hour driving suspension. These limits are only for drivers who will be discovered to have said BAC levels while operating a truck; those who are off-duty, but registers a 0.08% BAC may still incur a DUI charge.

Despite the BAC limits and the anti-drunk driving laws, data show that prior to crashes, many drivers were, indeed, intoxicated or alcohol-impaired. This is because many drivers consume a bottle or two during stopovers, while sharing stories with other truck drivers; some also choose to bring along extra bottles which will keep them company during the long, tiring and lonely long drives between counties.

For drivers of big rigs, staying sober while on duty is a legal responsibility. It has been explained, time and again, that alcohol- impairment can lessen one’s ability to safely operate a vehicle, much more a big rig. The risk of injury and death, especially to drivers and passengers of smaller vehicles, is the reason why drunk-driving has been made illegal. According to the National Highway Traffic Safety Administration (NHTSA), about 5,000 small vehicle occupants die every year in accidents where trucks are involved; number of deaths among truck drivers, on the other hand, number to about 700.

According to the law firm Russo, Russo & Slania, P.C., “Commercial trucks are some of the largest vehicles on the road, and as a result, they can pose a serious threat to other motorists. Truck accidents are often far more significant in terms of impact than other types of car accidents, due to their size and weight, and the possibility of serious injury or even death resulting from these types of accidents is typically much higher than normal.

Truck accident victims are often left in a difficult situation, trying to recover from a serious injury while coping with costly medical bills and lost income. Fortunately, compensation may be available in these situations.”

To be able to claim this compensation, however, a victim of a truck accident will need undeniable proof and strong argument that it was indeed the truck driver who was at fault in the accident. A seasoned personal injury or truck accident lawyer may be able to help the victim on these aspects for a higher chance of claiming the compensation he/she will need for his/her medical treatment and other losses. This is because proving liability, specifically proving that the truck driver is at fault will not be a simple task. Due to this, a civil lawsuit, even with evidence showing the truck driver’s liability, may still turn out to be a very challenging task.

When Cars, Bikes, And Pedestrians Collide

For health and fitness buffs, one of the best forms of exercise is biking and walking. One cannot deny the positive effect of riding a bike and taking a walk on the health of an individual. But all that healthy lifestyle can disappear if a reckless driver gets into the picture and collides with the bike or the pedestrian. A Georgetown car accident lawyer is aware of the various expenses that may come to the way of the victims.

When the pedestrian or bike gets into a close encounter with a car, the most at risk are the biker and the pedestrian. In situations like these, determining who is liable for the accident will depend on various circumstances. There may be different causes of these accidents and here are some of them:

  • The driver’s failure to see the bicycle
  • A right turning car that did not take into consideration the presence of the biker or pedestrian
  • Driving while intoxicated
  • Unwillingness to share the road with bicycles
  • Not making the proper adjustments for inclement weather

A bicycle is considered as a vehicle and hence is governed y road rules. In the determination of liability, the main issue that will serve as the deciding factor is the right of way. When there is no traffic signal, the vehicle that arrived first has the right of way. If the vehicles arrived simultaneously, the car on the right has the right of way. If there are traffic signals, it will determine who has the right of way. If the bicycle is not detected y the sensors of the traffic signal, it is up to them to place their bikes near their sensors.

Other determining factors in the filing of a lawsuit will also be determined by the type of intersection and whether the car is turning or going straight.

4 Mindsets That Cause Construction Site Accidents

Construction sites are one of the most hazardous places to work in. Exposed wires, falling debris, slippery surfaces, and others can subject a construction worker to injuries or even deaths. According to the website of Karlin, Fleisher & Falkenberg, LLC, construction site accidents can be mitigated by adhering to safety regulations and implementing safe working practices. Construction accidents can be fatal that the employee could even lose his working ability.

However, there are instances when construction accidents are not caused by these hazards or the negligence of employers but due to wrong mindset. When an employee reports for work without the proper attitude, chances are they are opening themselves to injuries. Here are examples of four mindsets that result to construction accidents:

1. Rushing

Construction workers are pressured to accomplish their tasks in the quickest time possible so they can proceed with the next task or finish ahead of time. When a construction worker rushes things, it reduces the quality of workmanship and chances are they will not follow the correct safety guidelines. Construction sites need to adopt a safety first policy even if it means not finishing the task on time.

2. Frustration

There are many factors in the construction site that can make workers frustrated. Poor procedures, bad communication, low salary, and personal problems, and others can contribute to construction accidents. It is then up to the employer to turn their frustrations into something positive.

3. Fatigue

Fatigue plays a huge part in construction accidents and injuries. Again, this has something to do with meeting work deadlines. In order to finish their work on time or even ahead of it, workers would be working long hours and then report for work without sufficient rest or overworked. Employers should set realistic deadlines and achievable goals for their employees.

4. Complacency

Employees have the wrong notion that because they already have gained the experience with the work, they will not be subjected to injuries or accidents. This kind of mindset will give the employee a false sense of security.
A professional and well-trained employee should always carry the proper mindset when working in the construction site. This way, they can keep themselves free from accidents and injuries.

Wrongful Death

Fourteen-year-old Andrew Joseph III died after he was ejected from the Florida State Fair on Student Day in 2014 as he was trying to traverse Interstate 4 to return to the fairgrounds to get to his ride. But for 44-year-old Andrew Joseph Jr. and his wife, 45-year-old Deanna, the fight is just starting. They want action so that other children will be sure that they would be safe at the fair for years to come.

With this in mind, they staged a protest on Thursday, February 4 of the fair’s annual Student Day, noting that measures designed to keep students safe are not well-implemented, and they also filed a wrongful death lawsuit against the Florida State Fair Authority, the Hillsborough County Sheriff’s Office, and the Hillsborough County School District.

Schools allow students to attend the fair’s Student Day each year, freeing their schedules for the day by canceling classes. However, in 2014, violence ensued in the festivities, causing police officers to arrest 12 individuals and to eject 99 others from the fair, of who Andrew Joseph II was one of. Police deputies dropped him off at a location 2 miles from the fair; he was killed as he was apparently walking by the side of the highway.

The lawsuit that the Josephs filed against the defendants claimed that their son was falsely arrested and taken without probable cause. They also alleged that most of the students who were arrested were of African-American descent, saying, “Student Day has had a continuous history of civil rights abuses” and that it targets “African-American students and juveniles for arrest, ejection, and unjustified law enforcement intervention”.

The Josephs not only want to make the fair safer for future generations, they also want to see the people whose actions contributed to the death of their child held liable for their negligence.

The website of attorneys at Schuler, Halvorson, Weisser, Zoeller, & Overbeck, P.A. says that a wrongful death claim can be made if a plaintiff believes that there is a legal cause to sue a defendant for the death of a person. Plaintiffs should be people who will be negatively affected by the demise of the person because they are directly related to them; for instance they are immediate family members such as spouses, children, parents of unmarried children, life partners, financial dependents, or putative spouses (similar to common-law spouses).

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