Accident Caused By A Drunk Driver And Your Legal Recourses

If you’ve been hit by an inebriated driver and you drag him/her to the court,your chances of winning the case are high. Your chances of being compensated for the injuries that stemmed from the accident are very good,and you can also file an injury suit against the offender. However,if you reside in a no-fault region or state,suing a drunk driver won’t be that straightforward.

Insurance Claims

Prior to racing to the courthouse for filing a lawsuit,it’s recommended you start talking to the insurance company of the other driver about settlement. Drivers,in every state,would have some car insurance on them. And,in case you file a claim against the car insurance carrier of the drunk driver,letting them know your intentions to seek complete damages for the losses and injuries resulted from the crash,you could be pleasantly shocked to know the settlement amount you may receive,especially if you’re working with a top [dcl=7176].

DUI Conviction

Insurance companies bending to steer clear of a lawsuit isn’t routine. But if their insured party is clearly in the wrong or is convicted of DWI or DUI in relation with a car crash,the insurer would be a lot more forthcoming to settle the case out of court. This is because insurance firms know that if the suit against their insured party sees trial and a jury is given the freehand to ascertain the monetary compensation for the aggrieved plaintiff hit by the drunk driver,they may have to shell out astronomical figures as compensation.

No-Fault Laws

If you reside in a state that adheres to the no-fault automobile insurance rules,your choices would be quite limited,at the outset at least. You would have to fall back on your own PIP (personal injury protection) coverage to take care of your medical bills,even though the inebriated driver was to blame for the mishap. But if the injuries you suffered conform to your state’s interpretation of “serious injuries”,your case would be viewed as an exception. Be sure to consult with a[dcl=7176] to learn more.

Boat Wraps: Transforming Your Old Boat Into A Beautiful One

Have you been out on the water in your old boat when a graphics laden speedboat passes by? Have you thought to yourself how nice it would be to be able to afford a beautiful boat like that? Well you might be surprised to find out that you can transform your boring old boat and turn it into a beautiful one-of-a-kind design by simply having a boat wrap installed.


Just like cars and trucks on the road,vinyl graphic wraps can be installed to the surface of your boat as well. Vinyl is printed with the graphics of your choice and the installation is often quick and easy. You may be able to have your boat back in the water within one or two days.

Many people will choose to work with a designer at the installation shop to have a custom wrap printed. You can have nearly anything you want printed on your boat wrap. If you are an avid fisherman you may have a landscape featuring your favorite sport fish. Or,if your boat is a speedboat you may opt for a design which showcases its speed. Many stock boat wrap designs can also be a great choice. There are tons of great designs to choose from in just about every niche possible.


Often the installation is done at a marina or boat dealership. However,there are many different shops which specialize in applying vehicle wraps which will also install boat wraps for you.

The cost for having boat wrap installed is usually significantly less than having a custom paint job. The turnaround is much quicker also. Having your boat wrapped will usually cost somewhere from $2-$5000. The cost can vary greatly depending on whether or not you have a custom design and how much of the boat you are having wrapped. It is often much cheaper to have small vinyl graphics installed at certain points on the boat. However,if your boat is starting to show its age it may be wiser to cover the entire boat with vinyl wrap.


So next time you look at your old boat think about the cost of replacing it,think about what a brand-new vinyl wrap could do for your boat. This is often a great alternative to buying a new boat and can save you a lot of money. Always look for certified installers to make sure your wrap will last. Also be certain they are using quality vinyl and printing ink.

Boat wrapsare a great alternative to costly painting. They can help transform your old boat and make it look brand new. Your boat wrap will have about the same lifespan ascar wrapswhich is usually about 5 years depending on use.

Holiday pay and umbrella companies – the facts

One of the drawbacks to being self-employed is that you don’t get sick pay or vacation pay. You have to save your money to get you when you will need a break or take time off work. If you are a contractor and use an umbrella company,this company will pay you vacation pay. They are obligated to do this since they act as your employer and so have to follow the requirements for matters employers have to provide for employees. Read on if you would like to discover how it works for contractors.

Using an umbrella company makes you a PAYE employee. All fulltime PAYE employees are entitled to 5.6 weeks paid vacation each year. To put it differently,you get 28 days of paid vacation,which is 5.6 times the standard 5-day working week. Bank holidays might or might not be included in these 28 days. {If you work fewer days or you don’t work for the entire year

How are you taxed by umbrella companies

Umbrella companies can make it easier to take care of your tax for some of your contracts. When you use an umbrella company,you’re paid through the PAYE system,like employees are. But how does this really work,and how do the companies tax you? Here’s an explanation of how you’re taxed by umbrella companies and what that means for you.

Tax Through PAYE

PAYE stands for pay as you get if you’re not already aware. So once you use an umbrella company,you pay your tax as you earn instead of paying your tax in a lump sum following the tax season is finished. Throughout the system,you may pay your income tax and National Insurance contributions. You’ll have a tax code which indicates to HMRC how much tax you should be paying. The thresholds for paying your taxes and differenttax bands can change each year,so it is always important to stay up to date.

Presently (2018),you’ll pay National Insurance contributions at 12 percent on earnings above #162 per week and 2 percent above #892 per week. The personal allowance for income tax is #11,850 with 20% paid on everything after up to #34,500,and 40% from #34,500 to #150,000.

Umbrella Company Expenses

Another aspect is that some allowable expenses can be claimed by you. Expenses are those reimbursed recruitment agency or by your customer. Other expenses are non-chargeable,and the umbrella company will handle them when calculating your pay. Allowable expenses will be deducted from your income so thatyou don’t have to pay tax on them. If your contract with your customer is deemed to be under the Supervision,Management and Control of your customer,you can not claim travel and subsistence expenses.

Calculating Your Pay

Your pay will be calculated once you have submitted timesheets into the umbrella company and recruitment agency or end customer. As well as your taxes,the umbrella company will also minus your commission to the company and any deductions,such as pension contributions and holiday pay.


Your umbrella company should send you a payslip,which details any deductions,such as taxes. At the close of the tax season,they should also give you a P60 for your documents too.

What About Umbrella Companies That Pay?

Some umbrella companies will tell you that you could keep the majority of your cover (up to 95 percent) and stillbe tax-compliant. However,official advice from HMRC says that this is a warning sign for businesses that are non-compliant. You should also watch out for only a portion of your income going through PAYE, being paid with a loan,investment or credit that the company says is not subject to tax,and your obligations being routed through other businesses. These could be signs that the company isn’t paying your taxes so it is important to watch out for them.

Umbrella businesses deal with your tax for you so thatyou don’t have to. You might pay a tax,but you also get the benefits of becoming an employee.


Important California Personal Injury Laws to Know

The amount of time you have to file a lawsuit and go to court is limited and determined by a law called the statute of limitations. There are also different deadlines depending on the type of case you are filing. In the state of California,you have a period of no more than two years from the date of injury in which to file a lawsuit for personal injury cases with assistance from a [dcl=6930]. If you fail to do so within this period of time,the courts will decline to entertain your case. Furthermore,your right to compensation will be lost.

California also abides by the shared fault law,which means that the defendant can bring an argument that you are actually partly to blame for your personal injury. If it is found that you do share some level of liability,it will affect the total amount of compensation you receive from the at-fault person or business. This shared fault law also follows the “pure comparative negligence” rule. What this basically means is that the amount of compensation you are entitled to will be reduced by an amount that is equivalent to your percentage of shared fault in the accident.

In most states,owners of dogs are protected from injury liability the first time someone is injured by their dog if they believed the dog was not dangerous. However,in the state of California,owners must abide by strict liability,which means that dog owners are legally responsible in most situations when their dog injures someone else.

California law states that uninsured drivers will not recover non-economic damages after a car accident even if the other driver was 100% at fault. Non-economic damages referred to as pain and suffering,disfigurement,inconvenience,and physical impairment. The only exception to this rule is if the uninsured driver was injured by another driver who was under the influence at the time. These are the important California personal injury laws to know,and it helps to have a [dcl=6930] on your side.