Young children frequently experience falls, bumps, and bruises as they develop their motor skills. School-age children and teenagers may also experience injuries due to things like sports accidents or even car crashes. Sometimes children are lucky and avoid any kind of lasting injury, but in other cases, they may experience a traumatic brain injury (TBI).
Sadly, TBIs are the leading cause of death and disability for children and adolescents in the US. TBIs also send an estimated 62,000 children to the hospital every year. These injuries occur on a wide spectrum, ranging from relatively mild concussions to injuries that cause irreparable or fatal brain damage. As a parent, it is important to identify any kind of brain injury as soon as possible as they may impact the child’s cognitive development and affect him or her into adulthood.…
You pay for your homeowner’s insurance because you believe it will prevent you from being financially devastated if disaster strikes—but how closely have you read your policy? Do you know exactly what’s covered and what requires supplemental insurance? That’s the kind of question that you want to answer before you file a claim and find out that your current policy doesn’t actually cover the type of damage that you’re dealing with.
Below are five types of supplemental insurance that you may want to consider, depending on your home and your location.
Types of Insurance That Protect Your Home
Flood insurance. This is an important one for Floridians because of the hurricanes that frequently hit our state.…
In most other states, when you get into a car accident, one of the drivers is determined to be “at-fault.” Our state, however, is a “no-fault” state where the other driver cannot be held responsible for injuries that you incur from the accident unless those injuries are serious enough to meet Florida’s “injury threshold.” Before we get into that, though, it is important to talk about injuries that do not meet this threshold, because far too many simply do not, even though costs for victims frequently end up exceeding what insurance will cover.
Here is how our system works when someone doesn’t meet Florida’s injury threshold:
Two people get into an accident.…Read more
“Tort reform,” which places caps on medical malpractice payouts to plaintiffs, is often touted as a means of driving health care costs down and attracting more doctors to a state. But, as it turns out, placing a monetary cap on non-economic damages in medical malpractice cases does not actually have a significant impact on health care costs.
That is what a new study published in the Journal of the American Medical Association reveals. While proponents of “tort reform” often argue that this type of stringent reform is necessary to cut down on the cost of defensive medicine—that is, unnecessary tests and procedures carried out only to avoid a lawsuit—the study suggests that any savings produced are marginal.…