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Archive for July 3rd, 2015

How Insurance Companies Calculate Risks?

Friday, July 3rd, 2015

Every insurance company first assesses the risk for them that they will have to take on when insuring your car. This way they can calculate the exact premium you have to pay for in order for them to be safe and you to be insured.

But how exactly do they come up with those numbers?

The most important factor for auto insurance companies is of curse your driving history and record. For example if you have been involved in car accidents caused by you previously. Or if you have had your license suspended or revoked. These are considered red flags by the companies and they will increase your premium based on this.
Auto insurance companies also look at the car you drive and what kind of a car it is. For example there are over 50 different risk categories your car can fall into and each of those has its own price range. Luxury and sport cars are considered higher risk for insurance companies.

There are some factors that you can’t even have an influence on. Your age, gender, marital status, are you live in, are taken into consideration as well. Students are less likely to have a car accident than are single, young males living in an urban area.

Also if you drive less you are less likely to have a car accident and are considered lower risk than people who spend more time (and miles) in car than you.

Don’t just take all of this for granted you can actively participate in some courses about safe driving that will give you extra points and lower your insurance price. For best explanation on how to do this, don’t hesitate to contact progressive auto insurance.

A lot of people mystify how various auto insurance companies calculate the price of auto insurance premium and while it might seem complicated, in the end it all comes down to math. The math is used to best calculate the risk of the potential insurer but not in the way you might have suspected it. But before we go on, IâEUR(TM)d have to make a personal suggestion if you are on the lookout for a new auto insurance company, make sure to take a look at progressive auto insurance.

Dentists Med Mal Provides Protection

Friday, July 3rd, 2015

Medical malpractice is the failure of a health care professional to adhere to the standards of care, skill, and treatment that others in their profession would provide under similar circumstances. If these standards are breached in any way, a patient may have legal recourse to recover compensation for any resulting damages.

As health care providers, dentists face numerous situations that could result in dissatisfaction regarding the results of the work they perform. Dentist’s med mal insurance will provide coverage in the event a case is being brought against a dentist who improperly performs dental work or surgery that results in a mistake or causes injury to their patient.

For example, a number of malpractice lawsuits involve any one of the following issues:

A misdiagnosis and surgery mistakes

Prescription errors

Elder care negligence, and

Failure to adequately know the law

Most dentists understand these risks and take precautions to avoid making mistakes that could lead to a malpractice lawsuit. They have assistants and nurses who are trained professionals to aid them during the course of most surgeries or other procedures performed that might be considered risky to the health of a patient. They do everything in their power to provide the best care possible.

While dentists cannot guarantee the success of any treatment or a specific medical result, they will likely be held accountable when their negligence leads to a patient’s injury. If an attorney determines that a dentist was negligent, the injured party may have a claim for medical malpractice. Malpractice laws are different from state to state and resolution can vary significantly in each state.

In preparing for a claim, most dentists should collect evidence, as well as medical files and other documents in their defense. Additionally, it is important to present any witness statements that may help prove that a dentist wasn’t negligent, and acted within the scope of what is considered “reasonable” care.

It is important to start correspondence with the insurance company as soon as it is evident that a claim will be filed, especially when an injury or impairment stemming from any dental work occurs. Dentist’s med mal insurance [http://www.afpd.net/programs-for-dentists.php] will ensure that the insurance company will do their part in providing the coverage that will remove any concerns that a dentist will have to pay court costs out-of-pocket, or possibly lose their practice altogether if a settlement amount runs in the hundreds of thousands of dollars.