By Robert S. Waldman

If you have been injured in a car accident in Pennsylvania, your rights, especially the right to sue, are governed by the Pennsylvania Motor Vehicle Financial Responsibility Law, or ‘MVFRL.’ The MVFRL outlines each person’s rights and, depending upon the type of insurance you have, whether you are entitled to recover damages for pain and suffering.

Most importantly, for people injured in an auto accident in Pennsylvania, the key issue whether your claim is subject to the ‘full tort’ or ‘limited tort’ threshold under the MVFRL, 75 Pa.C.S.A. Section 1705. In this article, I will outline the differences between the two types of coverage and why it is so important for you to have full tort coverage.

Simply put, with full tort coverage, an auto accident victim is entitled to be compensated for pain snd suffering, excess medical bills and any other losses arising from the accident, regardless of how serious the injuries are (of course, they still have to prove that the other driver was negligent, that is, responsible for the victim’s injuries). On the other hand, persons subject to the limited tort threshold have to prove that they suffered a “serious injury” in order to receive compensation.

Of note, when you purchase ‘limited tort’ coverage, you only save about ten percent on the cost of your insurance. In exchange for saving about 10 percent on your insurance bill, you give up your right to sue for pain and suffering unless you have suffered a “serious injury.”

There are exceptions that automatically ‘convert’ limited tort coverage to full tort coverage under the MVFRL, including:

* The other driver is convicted of (1) driving under the influence of alcohol, or (2) a controlled substance, or (3) accepts ARD, a program generally applicable only to first-time offenders;

* The other driver committed an intentional act that caused the injuries;

* The other driver was operating a vehicle registered in a state other than Pennsylvania;

*T he other driver had no insurance.

The Pennsylvania courts, including the Pennsylvania Supreme Court, have considered what a ‘serious injury’ is many times and apply its definition narrowly. The MVFRL defines a “serious injury” as a “Personal injury resulting in death, serious impairment of body function or permanent serious disfigurement.” Although this definition sounds fairly broad, Pennsylvania Courts have consistently ruled that a “serious injury” means a VERY serious injury. In other words, what are often called whiplash injuries that heal in a few months are not generally ‘serious injuries,’ and persons who suffer those injuries essentially give up their right to sue for pain and suffering when they purchase “limited tort” coverage.

As a result, it is obviously best if you have full tort coverage. If you do not, then you and your attorney should analyze how to prove that you suffered a serious injury. In most cases, this means documenting how the injuries changed your life following the accident. Keep a diary, keep notes, take photos, do whatever you have to do show how your injuries prevented you from doing the things you usually did, and the limitations were serious, not trivial.

Injuries from car accidents often effect people for the rest of their lives. Even what seems to be a relatively minor back or neck injury can be far worse if it causes chronic pain and discomfort. If you have been injured in a car accident, you need to be sure that you can overcome the limited tort threshold by showing why your injuries are different and more serious than the ones suffered by others whose claims were barred by the limited tort threshold.

About the Author: Philadelphia workers’ compensation/personal injury attorney Robert Waldman has fought for the rights of injured persons for 30 years, and concentrates his practice in workers’ compensation, auto accident and other personal injury matters. His office is at 1800 John F. Kennedy Blvd., Suite 1500, Phila., PA 19103.

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When it comes to trusting the contents of your home to people you may only have met once before, working with a reputable company is a must for your peace of mind. One important factor in selecting moving companies in Nashville is the confidence you have in knowing they have a presence in the community and are a legitimate business.

There are some simple ways to determine if moving companies in Nashville are a true professional moving company or simply a from home type of business. This information is accessible through online searches and a few simple phone calls.

Real Business Address

The established and reputable moving companies in Nashville, including local offices of national or international movers, will have actual physical office locations. They will include their corporate information as well as their local addresses on the website, along with business phone numbers and online contact information.

A less reputable operation will not list a business address and will be vague and evasive about where they are located. Sometimes these “moving companies in Nashville” are not actually located in Nashville and perhaps not even in the state.

Another giveaway of a less than reputable business is when the same person constantly answers the phone, or all you can do is leave a voice message. During regular business hours, reputable moving companies will answer their phones in person. You will also receive a timely call back when you leave a message.

Equipment and Crews

Locally based moving companies in Nashville will hire local workers. These individuals are screened during the hiring process and will be trained on the job or through specific training programs offered by the moving company.

The lower quality companies typically hire on an “as needed” basis and use day laborers or temporary workers who may or may not have experience in moving.

Policies and Practices

The best moving companies in Nashville give back to their community. These companies are often using environmentally friendly packing and moving programs, including recycling and reducing waste.

These local moving companies in Nashville are involved in community events and support safe workplaces for their employees and their customers. Their goals are to promote professional moving services and to continue to provide their clients with the highest levels of customer support and services before, during and after the move.

By Celina Krishchov

Accessories are an important part of a women’s ensemble and dressing. Particularly when it comes to possessing great looking jewelry sets, no woman on this earth can resist this call! Beauty gets deepened with jewelry and women are most passionate about sterling jewel pieces that represent their social status. Jewelry make a women look confident and glamorous. Whether it is a gold ring or a silver chain, jewelry adds charm to the natural beauty of a lady. Interestingly, words, women and jewelry have almost become synonyms.

So, accentuate your beauty and appearance with innumerable jewelry collection from a good online shopping store. Jewelry sets available at online site are stunning masterpieces that makes a woman look gorgeous and elegant. A large spectrum of jewelry collection is available for selection and choices with different occasions and time matching with the right kind of dresses to get that special effect.

Rings, Earrings, Bangles and Bracelets

Develop your own unique style statement with fashionable rings, earrings, bangles and bracelet available at online shop. Get contemporary and modern designs of jewelry that suits your purpose and charms your appearance. These ornaments are designed out of varied metals including gold, platinum, silver and other precious stones. Jewelry sets available at online store helps to bring drastic change in a woman’s personality and looks. These jewelry pieces help one to enhance their best features while letting out one elegantly.

Necklaces, Pendants & Chains

A simple gold or silver chain with a stylish pendant is a unique wear for men these days. They tend to buy pendants and chains that go with both formal and casual dresses. Moreover, for special occasions, ladies prefer buying necklaces coupled with bangles that complement their attire. A wide collection of necklaces, pendants and chains are ideal for gifting to your loved ones. Surprise your life partners and show how much you care for them by presenting a stunning piece of pendent or necklace to them. Whether you are searching for antique styled pendants with chains or beautiful necklaces, you get the perfect piece at a good online shopping store.

Watches, Casual Watches

Watches aren’t just a daily wear accessory, but a passionate trend for some. Often people buy watches from innumerable brands to sport a trendy as well as casual look. If you possess this inner craving for trendy or casual watches, come to a good online shopping store and pick up the latest model in the market. Find yourself the right piece suiting your needs and flaunt a trendy look.

Tops & Accessories

If you posses a grand collection of gold, silver and platinum jewelry, you must store them safely. For those who prefer to keep the expensive jewelry in bank lockers needn’t have to worry. But those who store the jewelry at home must be extra protective because jewelry often gets destroyed if not taken proper care off. To help you keep the jewelry at safe hand, we tops and accessories including Jewelry chest and drawers, leather organizers, jewelry box and many more.

About the Author: Celina Krishchov writes usually on

jewelry

and its varied categories like

bracelets

,

bangles

, etc.

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If you would like to upgrade your home and give it a completely new look, then you have every reason to visit kitchen showrooms to find numerous approaches to renovation. You will find that these exhibitions have wonderful displays that can help you create an amazing place to cook and eat without leaving a hole in your pocket. Most designs found there will focus on innovation, space and a fully equipped area that has the most modern technology in place.

Taking a guided tour

By visiting any outlet, you can take a guided tour and get your own creative remodel plans which you can then incorporate into your concepts. You will find complete set-ups that are wonderful presentations of what anyone can look forward to when re-designing an all-inclusive kitchen. You can choose from an assortment of custom built arrangements which include traditional, provincial or modern plans. You can also determine which appliances will go with your new look and what best matches your personality, lifestyle and family requirements.

Make convenient comparisons and get a clear picture

It is generally very difficult to make correct comparisons without any errors when you use catalogues. While many products will appear to be similar, they might have different qualities. If you want to get the true picture and determine what price is compatible with your budget, you will need to take a look at the real deal. At a showroom, you get to compare products that are almost similar while also looking at the assortment of designs on offer. You actually get a clear impression of what you want and you have the chance to ask questions and get the answers you need upfront.

Considering your financial options

It is very beneficial to visit these galleries because most offer redesign services as well as options for financing. When you have to consider the alternatives that you have for financing your project, this can be one of them. You can look at the loan offers that are available if you don’t have the funds, which may prove very advantageous.

Getting advice from professionals

Another advantage when you visit the display halls is that you can get professional advice. Before you start any renovations, it is preferable that you seek for advice so that you can make the right decisions. Consultants will only be to glad to help you put together your grand kitchen while bringing together colors, style, design and appliances that will make it the envy of your guests. They will also put your desires into consideration while helping you achieve convenience and functionality for the best possible result.

You can visit as many places as you want before you settle on your most preferred choice. There is no doubt then that kitchen showrooms are beneficial in very many ways when you want to renovate your space.