How to Create Good Web Design

There are many different types of web design, from those built using website templates and ‘build your own’ site building applications to complex content managed and e-commerce web designs such as those used by big brand names like Amazon, eBay and Tesco. Some companies, even some big name companies, have unprofessional looking and badly designed websites. Some have amazing looking websites but because of their high graphical content and minimal text content can take an age to load, are not user friendly and do not provide what the visitor wants.

Good Website Design

Though many aspects of website design differ from site to site, many things remain the same throughout the majority of websites on the internet. Most notably is the navigation or menu. The way in which a website’s menu works and looks is very important, as ultimately, visitors to a website are looking for certain criteria that will make them either stay and interact or leave. This ability for a website to keep visitors interested is sometimes referred to as stickiness. Visitors want an attractive visually exciting experience, but perhaps more importantly, they want ‘ease of use’. Website usability is a key factor for websites that want their visitors to stick around, make an enquiry and ultimately complete a transaction and order a product or service.

Easy to Use Web Design

Internet users tend to prefer easy to use websites, because they do not want to have to learn how to use a website every time they find a new one. They should be able to use a website after only a few seconds of looking around a homepage, any more and they will leave and browse elsewhere. The need for fast user interaction is vital and therefore having a fast loading website is also important for a website to succeed. Even with faster internet connections such as broadband, internet users don’t want to wait around.

Just imagine, if you go to a shop on the high street and are totally ignored by shop assistants at the counter for 5 minutes, even after you have made it clear you want help. There is a correlation here to how an internet user may feel, when they arrive at a website that has been poorly designed, is difficult to use, unfriendly and slow to load. Making sure that a website has been well thought out and designed with the user in mind, displays a company’s unique selling points within easily recognizable eye catching calls for action and has a clear, easy to use menu is key to its success.

Flash Web Design

With recent web design advancements, such as the introduction of Flash animation and high definition video content, impressive websites have been produced to take advantage of much higher levels of visual effects and interaction. However with this ‘high end’ web design, comes a price, more often than not, web designs which rely heavily upon Flash content are often ridiculously slow to load. They often have a progress bar, which slowly goes across the web browser to signify when the website will finish loading.

This is much like the progress bars that you may be familiar with if you use video editing or 3D rendering software, or if you use games consoles where they are displayed whilst you wait for games to load. Internet users on the whole do not want to wait 3 – 5 minutes for a web page to load even if it does feature high resolution images, animation or video. They want fast informative content rich websites. If they wanted to watch an animation or video they would watch TV.

Good Flash Web Design

This is not to say that Flash animation is all bad news and shouldn’t be used in web design. If used subtly and in small amounts it can make a website more visually appealing without slowing the load time down too much. Suitable uses for Flash animation in web design are things such as; Flash banner advertisements, Flash video and interactive Flash forms for online questionnaires or business presentations.

Using Flash for a whole website design however, is not such a good idea. It slows the user’s experience down because they have to wait for elements of it to load. Also, sites totally developed in Flash tend to use unfamiliar menu structures and features. This can confuse visitors who just want to quickly interact with the website and not be amazed by the way the menu animates. Just because you can do these things in Flash, it doesn’t mean they have any real working value in the real world. They may look pretty, but if they are not functional and only irritate the visitor then they have no real value.

Flash Web Design & SEO

Another argument against using Flash to create a whole website is that it dramatically reduces the effectiveness of your websites’ Search Engine Optimisation. Flash web designs are made up of one main file within a web page which search engines find difficult to index. This is because the text within them is usually graphical text and therefore is not usually accessible by search engines. Some recent developments allow some text to be displayed for search engines in Flash websites, but this is nowhere near as effective as text content within traditional HTML based websites.

Don’t Write Off Flash in Web Design

Although Flash does have its limitations it also has its good points if used correctly. For instance; Flash animation is usually smaller in file size than traditional gif animation and because of the way it is made the animation flows smoother than gif animation too. Having said this, I would recommend only using Flash in small areas within a site to compliment other imagery that makes up the overall design. Finding a balance between minimal graphical elements, imagery, Flash and good quality informative text is the key to a successful user friendly website. This isn’t to say that web design needs be boring. By working with quality web design companies there’s no reason why you couldn’t have a visually exciting, well designed, easy to use and successful website.

Visually Stimulating Web Design

When visitors first arrive at a website, they want to be impressed and engaged with what the website has to offer. This will be determined by the ways in which the web designer has laid out the website’s content text, images and features. Arranging elements such as imagery, text, graphics, flash and video in such a way as to keep the visitor interested in the website is the key to good web design. If a website has poor design and doesn’t grab the attention of the visitor in the first few seconds, then it may well be dismissed as just another average website. This ultimately means the visitor will go elsewhere to spend their time and, more importantly, money.

Good Web Design Layout

A lot of time and money is spent making sure that the right elements of websites are positioned in the right places. Companies spend large amounts of money conducting research into how internet users use their websites. This type of research shows where their visitors’ eyes concentrate the most, which elements of the website they click on first and generally how they interact and use their websites. Most internet users will look primarily from the top left either across the page, or down the left hand side of the web page through an internet browser via a computer, mobile phone or TV set.

I would hazard a guess, that they are looking for the company’s name or logo, their main selling points or slogans and then what the website has to offer in terms of what is featured in the menu. After which their eyes are probably drawn across the page content and over to the right hand side. Successful web design usually takes this into consideration and will ultimately affect the way a website looks.

There are of course rather famous exceptions to this rule for instance one rather well known search engine has a web design which is quite different. The main focus and core functionality in their web design is located right in the centre of the page. This however, isn’t any ordinary website with tens or even hundreds of pages of products and services to display, its main focus is its recognisable logo and of course its search box. It does however feature a small minimal menu across the top of the web design, which flows from left to right. So even they have taken onboard some of the research undertaken into internet users’ habits. If you go looking at websites after reading this article, I can guarantee that most of the web designs you’ll see, will have a left hand menu and a defined header bar with a company logo and slogan across it.

Web Design Templates

The intention of web templates is to design a web site. Web design templates are used for separation of content from presentation in a web design and mass production of web documents. These collections of electronic files reside on one or more web servers to present content to the end user in the form of web pages. Studies have shown that web templates can grab interest of the first time user in only 10 seconds.

Web design templates are designed for professional and visual appeal. One can have a customized web design for a better reflection of the companies brand or for personal or commercial use.

Most of the web design templates created for commercial use, and should be appealing and luring to the visitors of the site. The web template should be stunning, innovative and ready to use. A spectacular web template will without doubt create an eye-catching home page that can almost grab the visitor by the collar and engross them on the site. However not all persons have the technical skills to create web design templates. For such people one can always ask a professional to make a customized web page at a certain cost.

For a minimal fee, one can own web design templates created by the best designers. These web templates are cost effective, unique, professionally designed, have functional web layouts, innovative, easy to customize with interfaces in Photoshop format. Other than purchasing the web templates, it is also possible to get free web design templates from the various websites that offer them. After purchase, the website can be used as one’s own but there are rules pertaining to the terms of usage. To avoid copyright, one should have the link of the web designer on the home page. An amount can be paid not to have the designers’ link on the home page.

After downloading the web design templates, one can replace all generic information that came with it and use their own to fit their profile or organization brand. The web templates are used to display personal information or day-to-day activities, to display information about an organization or company, displaying family history, a gallery of photos, to place music files or mp3 through the browser or to set up private login areas on-line.

Most of the successful web designs companies and other designers emphasize that the most important factor for creating web design templates is that it should offer original content to the readers in a way that will easily assist the search engine results. To be able to achieve this, web design templates should be interesting, in that they should attract viewers by adding quality and original content. Other ways are getting the brand right, keeping the home context short, easy linking pages, pictures to give enough emphasis; also, the size of the text especially on home page should be large enough to suit the web design layout. However, one is not limited to one design it is best to research on the content that one wants to use and even ask peers on the best way to create good web design templates.

How to Find the Right Web Designer For Your Web Development Project

Finding a web designer is the easy part- all you need to do is perform a quick search online and bingo, you’re presented with pages and pages of them in the search engine results. The hard part is choosing the right web designer for your individual project. Every web design project has a specific set of requirements and every web designer has a unique set of skills that may, or may not, be suitable for your needs. In this article, I’ll list some key factors that will help you find the right web designer and how you determine if they have the necessary skills to undertake your web development project.

Research the Web Designers Website and Online Portfolio

Every web designer should have a functioning website and an online portfolio of their work. If they don’t, you can scratch them off the list. After you have found some web designers in your area, or anywhere else for that matter, you should research each of their websites and check out samples of their work. Different web designers take different approaches to their work and use a variety of technologies. You should read up on their skills and approach to web design, to make sure they suit your requirements. Viewing completed websites and samples of the web designer’s work is also essential to get a good idea of the design style and skills they have. Make sure the websites function correctly. If some of the web designer’s recent samples are not working, there is a good chance that, if you use them, your website might have the same issues. Look at the design style of their portfolio samples. Most web designers tend to stick to a particular style. If you like the look of their websites, and their website text sounds appealing, you’re onto a winner. Take the next step and call them, or send a project brief through.

Speak to Your Chosen Web Designers

Another key point to determine which web designer is best for you, is finding out whether you can communicate with them. You will need to explain your vision to the designer and they should be able to respond with ideas and suggestions for your project. If you call your designer and there is, for example, a language barrier between you, that could be a problem throughout the development process. Talking to a potential web designer also gives you a good idea whether you are going to get on with them or not. If you call to speak with your chosen web design company and you are put on the phone to a rude or uninterested individual – in my books, that would not be somebody you would want to deal with on an ongoing basis. If they are enthusiastic, keen and communicate well you are more likely to have a successful ongoing professional relationship.

Qualification and Experience

Qualifications and experience are not always essential but they do give you some security that the web designer knows what they are doing and has the skills to undertake your project. It’s really up to your judgment whether you want to use a web designer with no experience but you never know, they might be a young gun with tons of talent and is just waiting for that first project to unleash their skills on to. Whether you prefer your web designer to have qualifications or not is also up to you. Qualifications just mean they have had some formal recognition of their skills. My preference would be experience beats qualifications any day. Your web designer may have undertaken a six month course which has got them a certificate of some sort but that does not make them a good designer. There is so much information online and ways to hone your design talents now, that needing somebody to teach you is not essential.

Creative Vision

It is very important the web designer you speak to understands your creative vision. To create a website that truly serves a purpose and business goal, the designer need to understand the nature of the website and relate to your overall vision. Take note on whether the web designer offers any ideas or suggestions when you’re talking to them. This is a good indication of whether they understand the project and are enthusiastic about it.

The Right Technology

Different web projects need different technology behind them. Not all web designers have all the necessary skills for some types of web development. For example you may need a full content management system with database driven content and advanced search engine optimisation. This is something not all web designers can provide. Most designer’s will tell you straight away if they are unable to complete the project, due to technical limitations. It is up to you as a client to inform the designer of all the feature’s you anticipate your website to have so they can tell you whether they can complete it.

A Reasonable Cost

The cost of the web project is normally the key factor in how people choose their web designer. The scope of your project and what budget you have can limit what designer you choose. If you have a very small budget but want to build the next Facebook, any sane web designer will tell you they can’t help you. However, it is always good to get a few quotes and see which designer can offer the best package, for a reasonable cost. If they’re too expensive, it might be because they are a larger company with more overheads, or they are simply very good at what they do. If they are cheap, do a bit more investigation before committing – Cheap web design may end up costing you more in the long run, as it probably won’t serve its purpose very well and you will need to get it rebuilt. The cost of web design is often open ended… ‘how long is a piece of string?’… A good web designer should be able to explain the reason why they have quoted a certain price, and discuss what they can do within your budget – Just because you have received an initial quote that may be higher than you originally anticipated, talk to your designer about it. Quite often, there could be features or aspects of the quote than can be removed, or modified, to get the project back within your budget – If you don’t ask, you’ll never know.

At Big Click Studios we can turn your web development vision into a functioning web site that looks great, works perfectly and ranks well. Our web designers take the time to understand each and every project to make sure, you as a client, gets a return on your investment.

Choosing the Right Web Designer

So, you’ve finally decided that you need a web site for your business? Well, there are a few key-points to remember BEFORE you make one of the most crucial decisions for your business.

Choosing the right designer for your new business web site:

When it comes to choosing the right web designer for your web site, you should always shop around first to check out all of the available options. There are many web design companies out there to choose from. And most of them are pretty good at what they do.

Always ask to see samples of a web designer’s previous work and examine their portfolio. This will help you get a better feel for the style of sites any particular web designer is capable of doing. Most of the time, web designers have their own unique style and you can easily spot which designs they’ve done in the past. I mean, it’s similar to any other artist’s style; you can definitely spot their previous works based on the general layout, color scheme, and over-all visual appearance of the sites.

Experience is also a key factor here. Just like any other craft, web designers get better with experience. So naturally, you’ll be better off by choosing a web designer who has more experience under his or her belt.

Another key point you should define is whether or not the web designer can make you a 100% custom web site. Or will it be just a basic template web design that 100’s or even 1,000’s of people already have across the Internet. Pretty much anybody these days can create a basic HTML web page in Microsoft Word or Publisher and change the title of it to reflect their Branson business. But you must ask yourself: “is this really what I’m looking for”?

Web sites that are truly custom built will stand out more the rest of the basic template web designs that so many people are using these days. A custom web design will catch the eye of your potential customers and show them that you have a really professional web presence and you mean business.

A lot of web designers these days choose to do the template web sites for one of 2 reasons:

It’s cheaper to use a basic template web design. They might be lacking the necessary skills needed to develop a fully custom web site. Whatever the case may be, make sure you go with a designer who is capable of creating a custom web design for you. It will inevitably cost you more for a custom site. But it is totally worth the extra money spent. Trust me, in the end you will be much happier with your web site if it is a site that’s unique and created for just your business and not everybody else’s.

Communication with a potential web designer is also critical in the development of your web site. You need to be perfectly clear and define your goals up-front, before you actually sign a web design service contract with a designer. Make sure you know what you are getting for your money and make sure you get it in writing! I have a 9-page web site design contract that I use every single time I design a new web site. Included in this contract is an itemized list of all work that is to be performed during the development of the web site. Things like the exact number of pages, the exact number of graphics to be designed, whether or not I need to create a logo, the estimated time before completion, whether or not routine site maintenance will be performed after the site is 6 months or 1 year old, etc.

Defining these things will help you in the long run and will also make sure you and the web designer are on the same page.

I also use what I call my “web design planning worksheet”. This worksheet gives “milestones” or deadlines for each phase of the web design project. Things like “In 2 weeks the general layout will be done” and “2 weeks after that, the site will be coded and launched” and then “In one moth after the web site is launched, we will evaluate it to see what needs to be adjusted”, etc. (these are just examples, by the way. the details included in one of my actual worksheets gives exact dates and more specific milestones).

And what about the web hosting for your new web site? Usually, a web designer will provide some kind of insight as to which hosting company they recommend. Web designers in general have a preference for a hosting company that they know will be a good choice for your web site and they should assist you in making this selection.

Fortunately, we have our own web server here at Digital Spiral Web Design so we can do all of the hosting ourselves. This is very beneficial because we can make sure the web server stays up and running and if there is any maintenance that needs to be performed on the server, we can do it ourselves in a timely manner. Plus, we will always cut a deal for our web site hosting services to any new business who chooses us to do their web design.

Will your new web site require any specialized web programming? Well, the answer to that question is based solely on the needs of your Branson web site. What kind of site will it be? Does it need a shopping cart for e-commerce? Will you be implementing any special web applications or online forms for your viewers to fill out? Will it be a web site that requires your viewers to fill out registrations and sign up so they can login? If you answered “yes” to any of these questions, then chances are you’ll need a web designer who can also program.

Web developers and designers must be skilled in the art of web PROGRAMMING (something that is very different from regular web DESIGN). Web programming involves the implementation of different web programming languages like JAVA, PHP, Flash, SQL, or.NET. All of these web programming languages need highly skilled individuals to code them and develop web programs with them.

I personally love PHP! I use it for pretty much everything. I won’t go into the details of PHP in this article (I would have to write an entire book about it to cover all of it). But with PHP, I can create pretty much any web application that is logically possible.

So, make sure you choose a web designer who is also capable of coding any special functions that your new web site needs. This decision needs to be discussed and gone over by any potential web designer you might use to create your Branson web site.

And finally, you should always check with the potential web designer’s previous clients to make sure they give him or her a good reference. Remember: it just like any other service. You need to verify a web designer’s references and make sure they can do what they say they can do.

So, just to summarize all of the tips I’ve mentioned:

Ask questions, questions, and more questions before you choose a web designer. Clearly define your goals from the beginning. Ask to see the web designer’s portfolio and samples of their previous work. Make sure they can help you with choosing a web hosting provider. Get documentation to show exactly how many pages will be included in the project and the estimated time before completion. If your Branson web site requires special web programming, make sure the designer can handle it. I hope this article helps anybody who is getting ready to have a new web site designed. A good web site can really do wonders for your business!

What Is Tort Law Exactly?

Have you ever done something that was against the rules? Well, torts are something like that; but much more serious. Torts are civil wrong-doings; immoral behaviors and actions against civilians. The law identifies a tort as immoral, and approves it as grounds for a lawsuit. Most often, torts come with severe consequences, like serious injuries and death. These consequences establish a civilian’s right to file a personal injury claim against a wrongful party.

Torts that result in serious injury or death can be punishable by imprisonment; however, the objective of tort law is to acquire compensation for damages incurred by victims and families of victims. In addition, and equally important, intent is to prevent similar wrongdoings from occurring in the future. In fact, victims of tort can take legal action for an injunction in order to inhibit further torturous conduct of the opposing party.

Explaining Torts and Tort Law

Victims of tort can pursue fair compensation for damages incurred as a result of the offence. Exemplary damages include everything from pain and suffering to loss of companionship, and much more; such as lost wages, hospital bills, medical expenses, scarring or disfigurement, funeral expenses, prolonged rehabilitation, permanent disabilities, and much more. Injured victims can also pursue compensation for damages like diminished quality of life and loss of benefits from loved one’s death. Tort law is established to protect injured victims that were wrongfully hurt by a negligent party. Negligent parties can include people, companies, individuals, organizations, products, and much more.

Categories of Tort

There are several individual capacities of tort law that all depend on the type of injury or accident that harms a person. Types of tort include motor vehicle accidents, product liability, assault and battery, sexual harassment, drunk driving accidents, wrongful death, slip and falls, head or brain injuries, dog bites, nursing home neglect, motorcycle accidents, and several other types of deliberate inflictions of emotional or physical trauma.

Every type of tort can be grouped into three separate categories of tort law; these categories are Intentional Torts, Negligent Torts, and Strict Liability Torts. Intentional torts are deliberate, premeditated, and purposeful. Assault and battery, sexual misconducts, and nursing home neglect are some examples of intentional tort. Negligent tort occurs as a result of carelessness and disregard. Disobeying traffic signals and causing an accident that harms another person is an example of negligent tort. Other examples include pedestrian accidents, hit-and-run accidents, medical malpractice, legal malpractice, and slip and fall accidents. Strict liability torts, on the other hand, occur when a particular action causes harm or damage to another person; such as liability for making and selling defective products that are hazardous.

If you are a victim of tort, or was recently injured in an accident caused by the negligence or misconduct of another party, you may be entitled to compensation for your damages. Contact a licensed personal injury law firm for professional guidance and counsel. It is important to take immediate action following a serious injury before the State’s statutes of limitation runs out. An experienced tort lawyer will substantially increase your chances and likelihood of winning your personal injury claim recovering compensation for your damages.

Posted in Law

Common Benefits Received From Workers’ Compensation

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.

Posted in Law

Who’s Liable for Injuries Sustained in Public Transportation Accidents?

Public transportation is a wonderful asset for thousands of Americans all across the country. Buses, trains, subways, limousines, metros, taxi cabs, and more are just a few examples of the variety we have to choose from when it comes to public transport. As customers and clients, we generally trust that these choices are safe and reliable; but sometimes unexpected accidents happen.

If someone is injured while using public transportation, who is at-fault for their damages? There can be several outcomes when determining who is liable for accidents such as these. Continue reading to understand all the possible parties that might be liable, under law, for injuries sustained to public transient customers.

Public Transportation Traffic Accidents

When it comes to public transportation, buses are one of the most popular. Tickets are inexpensive, and some buses are complementary to individuals in the community. School buses are also widely used for public school transportation. With the rising popularity of public buses, more and more are on the roads every day. As a result, the number of bus accidents continue to increase each year. According to the National Highway Traffic Safety Administration (NHTSA), more than 300 bus accidents happen every year, all of which resulting in fatalities.

Bus crashes, and other public transport cases, are complicated to litigate. Determining the at-fault party is a bus crash can be tricky because it may be more than one, or none at all. It requires the professional litigation skills and trial experience of a licensed car accident attorney to effectively pursue a bus accident injury lawsuit or claim. If you or someone you loved has recently been injured in a public transportation accident, like buses or taxis, contact a local personal injury lawyer to learn your rights.

Possible At-Fault Parties:

  • The Driver
  • Management Company
  • Other Negligent Vehicles
  • Government Entities (If Public)
  • Equipment Manufacturers
  • City Traffic Management (If Defective Light or Sign)

Common Causes:

  • Drunk Driving
  • Driving Under the Influence of Drugs
  • Defective Stop Light or Traffic Sign
  • Hazardous Weather Conditions
  • Reckless or Careless Driving
  • Poor Equipment Maintenance
  • Treacherous Roads
  • Defective Equipment
  • Obstruction of Views
  • Other Negligent Vehicles on the Road

Traffic accidents, public or not, can happen very suddenly, and usually result in serious injuries and damages to innocent bystanders and drivers. If a person is injured using public transportation as a result of another carelessness or negligence, they are entitled to legal compensation for their pain, suffering, lost wages, medical bills, and more. 

Posted in Law

A Myth Regarding Personal Injury Protection

I often get told by my clients that they “do not want to make any claims on their own insurance policy” because “it will raise their rates.” Like many things, this is an insurance tactic meant to scare people from claiming what is rightfully theirs. Let me elaborate further.

Under Texas law, every person in the State must carry Personal Injury Protection (“PIP”) coverage on their auto insurance policy, unless you expressly sign a rejection or “opt-out” of this coverage. The State minimum requirement is $2,500, although many people carry $5,000 or $10,000 in coverage (or sometimes even more, depending on what their auto insurance carrier offers). Importantly, under the Texas Insurance Code, it is illegal for your insurance company to raise your insurance rates, drop your coverage, affect your credit, etc. for making these claims. Therefore, if you have this coverage, you always want to use it.

PIP coverage is meant to reimburse you for two things: (1) medical bills you have already incurred or (2) lost wages (although it will only cover 80% of your lost wages). Additionally, Texas allows “stacking” of insurance benefits. For example, let’s say you get into an accident and you are taken to the emergency room where you incur a $10,000.00 bill. Let’s also say that you have the standard $2,500 PIP policy through your insurance company. After you are finished treating, we send that same $10,000 bill to both the Defendant’s insurance company and to your own. We get you paid $10,000 from this insurance company plus $2,500 from your own PIP coverage for a total reimbursement of $12,500. That’s right, you get paid $12,500 for a bill that was originally $10,000.

I always tell my clients the same thing: If you pay for this coverage every month in your premium, and if your insurance company cannot raise your rates for using it, then why wouldn’t you use it? It is free money falling out of the sky. However, because it’s free money falling out of the sky, many insurance companies (and their agents) will deliberately try to convince you that you do not need it because “it cost more.” Again, this cannot be further from the truth. The cost of this coverage is literally pennies on the dollar for what you get in return should you need to use it. Further, the best part is that this coverage is no-fault, meaning you are entitled to these benefits whether you caused the accident or if someone else hit you.

For these reasons, it is a no-brainer not only to have this coverage, but also to use it once you need it.

Posted in Law

How to Complete a Self-Health Assessment Following a Car Accident

As soon as you are involved in a car accident, the first priority is to have your health and over-all condition assessed by a professional emergency medical technician on-site or at the hospital. For less serious car accidents, it is still important to assess your own health to be sure you are not suffering from a head, spine, or neck injury. The issue with these kinds of injuries is that they can become evident or worse as time passes. So you might seem fine after a car wreck, but can then start to develop symptoms later on that point toward neck and back injuries.

There are signs and symptoms to look for, as well as, tips to learn how to identify the difference between vague soreness and tenderness of muscles, and an actual serious injury. Continue reading for a post-accident health assessment guide and information about filing a car accident injury claim for injuries and damages sustained in a serious collision.

Checking On Your Health

Once you have been involved in a car accident, whether it was your own fault or not, is to seek immediate medical attention. As a car accidents happens, authorities are usually alerted almost immediately; either by someone involved in the wreck or a bystander. Police will ask if you or your passengers need to go to the hospital if it is not obvious or evident that someone is hurt. You can make this assessment yourself, or you can simply have an EMT check you out at the scene of the accident or at the hospital.

You can choose to ride in an ambulance for a faster commute to the hospital for emergencies, but for less serious and less evident injuries, you may choose to take yourself or have a loved one drive you. In other cases, you might feel like you are not injured enough for professional medical care, and pass up the opportunity to go to the hospital altogether. Once you are familiar with how to assess your own condition after an accident, you will be able to responsibly make the choice of seeking further medical assistance, or to care for yourself.

Here are some symptoms to look for immediately after, as well as, the days following a motor vehicle accident:

  • Headaches
  • Migraines
  • Soreness or Tenderness of Neck
  • Difficulty Breathing
  • Increased Heart Rate
  • Mental Confusion
  • Pain or Tenderness in Lower Back
  • Pain in Neck or Spine
  • Difficulty Standing
  • Pain When in the Seated Position
  • Swelling of Neck, Back, or Head
  • Redness or Abrasions on Body
  • Nausea or Dizziness
  • Blurred Vision
  • Slurred Speech
  • Bleeding
  • Broken Bones
  • Immobility

Any of these symptoms could be a sign of a more serious injury or internal damage. If you are experiencing more than three of the above symptoms, it is strongly encouraged to go to the hospital or to request an EMT at the sight of an accident. Concussions are one of the most common and overlooked head injuries that results from car accidents. And the problem with this type of injury is that a person can seem fine at first, only to later suffer serious consequences and health decline as a result of a neglected head, brain, or spine injury.

Filing a Car Accident Injury Claim
Contact a licensed personal injury lawyer for information about filing a car accident injury claim against a negligent party that caused you or a loved one serious harm following a traffic accident or collision. You may be entitled to compensation.
Posted in Law

Personal Injury Should Be Well Taken Care Of

If there is ever a situation where a person is suffering terribly from an injury, disability or in worse case scenarios, even death, mostly due to a careless negligence of an individual, in such cases, the personal injury law covers these instances and extends its hand for help.

A severe injury can cost an individual to shell out a lot of money, sometimes an amount that the individual might not even be capable of paying, if you opt for a personal injury claim in such desperate moments then you are eligible to seek some compensation for the injury you have faced and the payment gets taken care of because of the claim.

Mostly this law covers all the kinds of injury that can possibly take place, these injuries can be of any type. It can either be something that can cause a lot of harm to your body or it can make you face some kind of emotional trauma as well. It can be anything and at anytime and having a claim especially for these kinds of injuries will help you in emergencies.

Be alert and be careful of every step you take.

Let us have a look at some of the tips that can help you get this claim:

• DO NOT DELAY TO GET SOME MEDICAL ATTENTION

The first and foremost step that you need to take when you get an injury is to seek out for medical help immediately and instantly. Do not under any circumstances delay that step because the more you delay it, the more serious it can get, therefore seek out for some medical help as soon as you find yourself in such a situation.

• BE CAREFUL OF THE STATEMENTS YOU MAKE

Be absolutely confident and clear in what you say in the accident scene. Do not say anything that might make the situation much more complicated than it already is or give rise to some kind of a conflict. Be clear in what you have to say and keep it straight when asked about it. This will help in dealing with the process much quickly.

• KEEP A CHECK ON ALL THE EXPENSES

This would include all the bills in the hospital. Be it expense bills; diagnose bills, medical bills or any other tests that you might have undergone. Have a record of all the expenses because it might be asked for when you go to claim for compensation. You can also keep a record of some lost wages that you might have faced due to missing work. Keep a track of everything.

Posted in Law