Posts tagged with "premium"

Employee and employer strife HR guide via 360 MAGAZINE

Five Terrible Mistakes That Can Hurt Your Personal Injury Claim

Personal injury claims can be extremely complex. It is crucial to make sure that you avoid making any mistakes that could negatively impact your case.

This post will discuss five of the most common and potentially damaging errors that people typically make when pursuing a personal injury claim.

  1. Failure to Seek Treatment Right Away After an Injury

One of the most common mistakes people make after sustaining an injury is failing to seek medical treatment.

Even if the extent of the injury is not immediately apparent, it is essential to get checked out by a doctor. Delayed treatment can worsen the condition and make it more difficult to prove that an accident caused the injury.

In addition, insurance companies often view delayed treatment as an indication that the injury was not severe enough to warrant immediate medical attention. As a result, failing to seek timely medical treatment can significantly impact the outcome of a personal injury claim.

If you have been injured in an accident, it is essential to consult with an experienced personal injury attorney. Wieand law firm Philadelphia has a team of knowledgeable and professional personal injury lawyers who can help you obtain the compensation you deserve.

  1. Being Dishonest About Your Injuries

Being dishonest about your injuries in a personal injury claim can be a terrible mistake that can seriously jeopardize your case.

Lying undermines your entire claim’s credibility, but it can also open you up to serious legal consequences if you are caught.

There are many situations in which dishonest behavior may seem tempting or even justified, such as when you face mounting medical bills or an insurance company offering a low settlement. However, it is critical to remember that dishonesty will rarely pay off in the long run.

Instead of trying to hide or exaggerate your injuries, it is essential to be upfront and honest with your personal injury lawyer and all parties involved in your claim.

  1. Failing to Keep Records

When pursuing a personal injury claim, it is crucial to keep detailed records of everything related to the incident. This includes documentation of injuries and expenses and records of all communications with the insurance company or legal representatives.

Failing to document your case correctly can lead to a range of problems down the road, including the risk of having your claim denied or losing out on compensation.

Additionally, poorly kept records can make your efforts to recover more challenging and time-consuming.

  1. Not Purchasing an Adequate UM/UIM and PIP Insurance Coverage

Unfortunately, many people fail to purchase adequate medical expenses and property damage coverage. This puts their injury claims at risk. 

For example, you might be involved in an accident and only have the minimum amount of UM/UIM and PIP insurance coverage. The insurance will not cover any excess medical bills or damages to your vehicle. 

Additionally, suppose a judge feels that your failure to purchase enough insurance was unreasonable or reckless. In that case, they may be more inclined to award less compensation or even throw out your claim altogether.

  1. Failure to Call the Police

Many people fail to call the police after a car accident. This can have severe consequences for your personal injury claim, as doing so can provide strong evidence about what happened during the accident and who is at fault. 

Jurors typically rely heavily on the police report filed after an accident, and being able to produce this report can significantly strengthen your case. Moreover, having a police officer testify as an expert witness can be crucial in establishing liability.

Personal injury claims can be complex and frustrating. If you’re considering filing a personal injury claim, avoid these five mistakes. Doing so could help increase your chances of receiving the compensation you deserve for your injuries.

Basics for Young People to Know About Health Insurance

Health insurance is essential in case you ever need medical attention. It prevents you from paying for expensive services, such as hospitalization and surgery. Many people are provided coverage through their work or others by the government. However, understanding how this system works can be confusing for younger adults. So, here are a few basics you should know. 

1. How to Get Coverage 

The first step in understanding health insurance is knowing where to look. There are multiple ways you can receive coverage. If you’re under 26 years old, you can be on your parent’s plan, even if you’re married or not living with them. This can help you to receive coverage while you’re still getting settled. Suppose you’re attending school or still looking for a full-time job. You might not currently have employee benefits. 

Here are a few more plans to consider:

  • COBRA. COBRA is a short-term plan to prevent people from suddenly losing their coverage. It allows them to continue buying their current health plan for a limited time. 
  • Short-term policy. Some companies temporarily cover students between college and their first job. These plans are usually pretty basic and cost-effective.
  • Employer coverage: This is the most common and affordable option. Some offer coverage from the start and others need you to work for a certain amount of time.
  • Individual policy. Buying personal health insurance can be a more expensive option. You may pay more if you’re considered a higher-risk individual, such as being a smoker. 
  • The Health Insurance Marketplace. This option helps people choose the best insurance plan if they need to buy it independently. It’s also sometimes called a Health Insurance Exchange.

2. Mental Health Services Aren’t Always Well Covered 

Mental health conditions are a rising concern, especially after the pandemic. In 2008, the Mental Health Parity and Addiction Equity Act encouraged mental health benefits to be at the same level as physical ones. However, many plans still don’t provide adequate coverage. 

Often there aren’t enough in-network providers, leading to longer wait times and farther commutes. Another issue is there are restrictive standards that limit coverage. For example, some companies focus on treating acute symptoms rather than underlying ones. This makes it harder for people with a long-term mental illness to qualify. 

However, Biden addressed these concerns in a speech on March 1st, 2022. He proposed all health care plans cover mental health services with adequate network providers, including three behavioral health visits a year with no cost-sharing. 

3. How to Pay For Your Plan

After you’ve done your basic research, you want to understand finances. Figuring out how to pay for the policy is critical. The amount you pay depends on your specific plan. In fact, in 2020, annual premiums cost around $21,342 for a family of four. You pay a fixed rate each month for many programs, called a premium. You might also pay whenever you receive medical care or get a prescription refill. 

These payments include the following:

  • Deductible: A deductible is what you pay at the beginning of the year before the provider starts covering services. 
  • Copay: This is a set fee you pay after visiting a doctor or other medical services. 
  • Coinsurance: It’s the percentage you pay for specific covered services. 
  • Out-of-pocket maximum: This is the highest amount you have to pay within a given period for all covered services. 

4. How to Find the Right Individual Policy

If you can’t get insurance from an employer or a state-funded program, you must buy your own. When shopping, consider the cost of premiums and deductibles and the outside services. For example, can you visit any doctor or healthcare facility? Some plans may have lower premiums but fewer health care providers to choose from. Also, if you’re hoping to save money, look for a plan with a higher deductible you can use with a health savings account. 

These plans also have levels of coverage, including gold, silver, bronze or catastrophic. 

They vary in premium and out-of-pocket costs. So, if you have a medical condition and require multiple services, a gold plan may be best. However, a bronze or silver plan might work better if you only visit the doctor a few times a year. 

Once you choose your level, you want to pick a specific plan. Here are the main options you have to choose from:

  •  Indemnity Plans: On this plan, you can visit any doctor at any time. Then you pay them upfront and file the claim with your insurance company, which pays you back part of the cost. They often do not cover preventive care, like physicals, and have higher premiums. 
  • Managed Care Plans: Alot of employee coverage is managed care policies. The insurance company works with health care providers to offer low-cost care.  This plan also has four basic types: HMO, PPO, POS and EPO. 
  • Consumer-Driven Health Plan (CDHP): This is when you set aside money in a health insurance saving account. So, you’re in charge of how to handle the cash to pay for health care services. It does come with higher deductibles, though. 

5. A Plan Through Your University May Not Be Enough 

While this is an easy and cost-effective way to get insurance, it might not be enough. Keep in mind it may only cover services on campus. However, it might not be covered if you get an x-ray off-campus. 

Also, suppose something happens when you’re on break. Then your current plan might not cover outside providers. So, talk with your Health Center to see what exactly is covered. Some programs may offer services that require just a fee and others that need insurance. 

However, many schools require proof of health insurance. So, you can stay on your parent’s plan or a private one. Also, if you qualify as a low-income individual, you can receive Medicaid. 

6. Finding Affordable Programs

Some people may worry about the expenses associated with the plan. However, between tax credits and Medicaid, you can find affordable programs. If you apply for coverage through The Marketplace, you can see if you qualify for a premium tax credit. 

These credits are based on your local residence, household income and coverage level. If you’re eligible, apply the credit to your monthly premium. Then The Marketplace will send it directly to your insurance company. 

Also, consider subsidies for low-income consumers, reducing out-of-pocket costs. You must make a certain income level and be in a state that didn’t expand Medicaid to qualify. 

Himiway Escape by Kaelen Felix for 360 Magazine

Himiway Launches Four New E-bikes

Himiway promises a more exciting fall this year, thanks to the upcoming launch of 4 new cutting-edge electric bikes from the company. Watch livestream here.

Himiway is pleased to announce the upcoming launch of its 4 types of brand new e-bike models in January 2022 of next year. The electric bike company recently released the teaser for the upcoming models; even though the teaser doesn’t reveal elaborate details about the bikes yet it has already created a  lot of buzz in the outdoor adventure world. Going by the tradition with other Himiway bikes, the upcoming ones too would be under affordable range,  with prices comfortably ranging between $1,000-under$3,000.

The 4 new Himiway bikes that are slated to be launched in January 2022 are – Softail Supreme E-bike, Multifunctional E-bike, and Premium All-terrain E-bike.

“We are thrilled to share that we will soon be launching 3 types of state-of-the-art new electric bike models come fall. While one of them would be the most innovative model from our lineup ever, another one would be an advanced utility bike that would be handy for your daily affairs. The third one is exclusively designed for outdoor enthusiasts and would make a robust partner for your off-road adventures across all terrains”, stated the leading spokesperson from Himiway.

As per the reports, Softail Supreme and Multifunctional models would be new additions to the company lineup. On the other hand, the Premium All-terrain E-bike is speculated to be the successor of the Himiway’s crowd-favorite Cruiser Electric Fat bike. However, these are just speculations- the Premium All-Terrain version may be a completely new variation for all-terrain electric bikes as well.

The Softail Supreme model stands out as the “most innovative” electric bike ever built by Himiway. Engineered with cutting-edge “first-notch” suspension (especially rear and front, based on softail designation), the bike promises to deliver an all-new experience for the riders. Going by the Himiway teaser, the model would be priced somewhere around $2,099 to say, under $4,000.

The second one, Multifunctional E-bike, is being dubbed as an all-rounder that would make a valuable addition to a busy and active family. From ferrying children to making deliveries to quick grocery shopping sessions, the bike has been designed to handle all. The bike will be $2,099.

The Premium All-terrain Electric Fat Bike is an advanced crossover between mountain and urban electric cruiser. As the name suggests, this model is especially designed for off-road adventures and has been equipped with major required features like, extended battery and incredible speed. The upcoming bike will also impress with its stylish looks. As Himiway hasn’t mentioned about fat tires with this bike, the model is likely to be a completely new model from the company. However, the other descriptions sound very similar to that of the previous Cruiser fat bike from Himiway. In regard to cost, the bike is speculated to come around $1,999.

360 MAGAZINE is an avid fan, and you can check out our very own Vaughn Lowery as a newly appointed ambassador for Himiway here.

About Himiway

A pioneer of electric bikes in the American market, Himiway specializes in manufacturing advanced fat tire electric bikes at affordable ranges. The company is based in California, USA, but has recently expanded to markets globally, covering all of the USA as well as Canada, the U.K., and Germany.

For additional information, please visit HERE.

Why You Should Enlist a Lawyer After a Car Crash

Roads are full of surprises, and you never know when an accident may happen. No matter how careful you are, it isn’t always possible to avoid accidents. From reckless drivers to poor road conditions and aggressive drivers, you never know what could happen. If you are injured in a car accident, it is always wise to enlist the services of a lawyer. Here are a few reasons why. 

Dealing With Your Insurance Company

Your insurance providers are pleasant and accommodating when you first need to get insurance. However, they can be very difficult and unpredictable when it is time to seek compensation. It would help if you had a good lawyer to deal with them. Since they are big companies, they are likely to hire good lawyers. You don’t want to go against a big insurance company lawyer without any legal representation. 

The lawyer has a lot of expertise in law. They have handled issues similar to yours, and if you have no legal help, they can quickly shut your claims down. Negotiation is an integral part of the process, and your attorney will do it better than you. They will help you handle the process of recording the details of your accident to ensure that you get the maximum compensation. 

Peace of Mind

Working with a good car accident lawyer gives you peace of mind. You can sit back and relax knowing that your case is being handled. You don’t need to run up and down wondering what paperwork to fill next or what you need to handle first. When you have just been in an accident, you want to rest and recover. Working with a lawyer makes that possible. 

Proving Injuries

Even if you sustained serious injuries in a car accident, proving them can be difficult. The period right after your accident can be confusing. Many people don’t remember to keep proof of their injuries. If you contact your lawyer right from the start, they’ll ensure that no evidence is lost. They will help you keep copies of your medical reports, medical records, and photos of your injuries. They may help reconstruct the accident to prove who was at fault. They may interview witnesses and obtain accident reports on your behalf. 

Getting Maximum Compensation

Your attorney will help ensure that you get maximum compensation for your damages. While you may understand the physical and emotional impact of an accident, you may not understand the true financial impact. Car accident lawyers know how much different injuries are worth. They will determine the strength of your case and give you an estimate of what to expect before going forward. With their help, you may receive compensation for medical bills, mental anguish, lost wages, property damage, and pain and suffering. 

Settlement Negotiation

Depending on the nature of your accident, a settlement may be your best option. Settlement negotiations aren’t limited to the parties involved in the accident. They may also involve car insurance providers. 

Your lawyer will help ensure that the settlement you receive is consistent with your injuries and property damage. They represent you in negotiations and ensure that you aren’t getting less than you deserve. 

If you lack representation, insurance providers are likely to take advantage of your inexperience. They may offer a settlement that is a lot lower than what you deserve. 

Filing a Case

If you need to file a case, your attorney is the best person to take care of it. They will represent you in court and ensure that you receive compensation. If the other party seems unwilling to offer compensation for your damages, call your lawyer

After a car accident, you have a lot of people to call. It is a stressful time, and most people don’t know how to react. However, your lawyer should be one of your first calls. They will give you tips to handle the situation and get as much compensation as possible.

Headphones illustration by Heather Skovlund for 360 Magazine

Music Streaming Revenues Jump

Music Streaming Revenues to Hit $23B in 2021:

A 50% Jump Compared to pre-COVID-19 Figures

Like many other sectors, the music industry has been significantly affected by COVID-19, with the massive cancelation of live events and huge ticket sales revenue drops amid the lockdown. With earnings from live music events shrunk to the lowest level in history, artists increasingly rely on income from streaming platforms. According to data presented by, music streaming revenues are expected to hit $23bn in 2021, a 50% increase compared to pre-COVID-19 figures.

Revenues to Jump by $3.3bn in a Year, Number of Users to hit 620 Million

Even before the pandemic, the music streaming industry witnessed impressive growth, with revenues rising by a CARG of 20% year-over-year. Statista survey showed that in 2017, the unified market was worth $10.5bn. In the next two years, this figure jumped to $15.2bn. However, last year, music streaming platforms witnessed the biggest annual revenue growth, as COVID-19 halted live events. Statistics show that revenues surged by almost 30% year-over-year and hit $19.7bn in 2020. The ongoing lockdown is expected to continue driving a rise in music streaming consumption, with revenues growing by another $3.3bn this year. By 2025, the entire market is forecast to hit a $33.3bn value. The Statista survey showed the number of people using music streaming platforms also surged amid the pandemic and jumped from 425.6 million in 2019 to 626.2 million in 2021. More than 900 million people worldwide are expected to use music streaming services in the next four years.

Spotify hit 155 Million Premium Subscribers in 2020, Double than Apple Music

As the world’s largest music streaming market, the United States is expected to reach 100.7 million users and $8.7bn in revenue in 2021, a 16.6% increase in a year. The Chinese market, the second-largest market globally, is forecast to grow by 20% YoY and hit $2.2bn value this year, almost four times less than the leading US. Nevertheless, with 177.7 million users in 2021, the country has the largest number of people using music streaming services globally. According to Hootsuite’s Digital 2021 Report, more than 81% of surveyed internet users in China reported listening to music streaming services last year. The United Kingdom ranked as the third-largest music streaming market with $1.4bn in revenue this year.

As the biggest music streaming service globally, Spotify (NYSE: SPOT) hit 345 million monthly active users and 155 million premium subscribers in December 2020, a 25% jump in a year. While Apple (AAPL: NASDAQ) hasn’t publicly commented on its subscriber count since reaching 60 million in June 2019, estimates from MIDiA Research put Apple Music subscribers at 72 million in 2020, or half the Spotify count.


The full story can be read here.

Kaelen Felix illustrates truck article for 360 Magazine

Rules of the Road: Why Following the Law Matters

Traffic fatalities claim the lives of over 30,000 Americans every year, making it vital to know the rules of the road before you hit the street. In 2018, 36,560 Americans died in car crashes, one of the highest amounts on record in recent years. Traffic laws help to mitigate many of the risks of the road, provided everyone knows them and adheres to them. Following the law can keep you safe while you’re driving and is vital to staying out of legal trouble. 

Should you be in an accident, your strict adherence to the law can benefit you in a court of law and in seeking compensation from another driver. Find out why it matters to follow the law when you’re on the road and how you can do it.

Wear Your Seatbelt

It can be tempting to joyride without a seat belt, but you place yourself at great risk of harm and legal trouble if you don’t buckle up before hitting the road. Mandatory seat belt laws for front seat drivers exist in every state and the District of Columbia except New Hampshire. Another 31 states have mandatory seat belt laws for adult passengers in the rear seats. There’s a good chance that if you’re not wearing a seat belt while your car is in motion, you’re in violation of the law. Should you be pulled over or become the victim of an accident, you could face a ticket or worse.

Stay Off Your Cell Phone

Answering a few texts while you’re on a quiet stretch of road can seem harmless, right? Unfortunately, doing so can be used as evidence against you should you be in a car accident. While you’re texting, you could easily lose track of the following on the road:

Other drivers



Speed limits


Changes in the road

Weather conditions

Many states have laws against cell phone usage while you’re operating a motor vehicle. Using your phone to call or text while you’re driving leaves an electronic trail that can be used to establish you were distracted and are responsible in full or part for your accident.

Follow the Speed Limit

Speeding is a dangerous and illegal activity that can land you with an expensive ticket and keep you from where you’re trying to go. Speed limits are set to safely govern the flow of traffic, and if you move too fast (or too slow) you can throw off this delicate balancing act. If you are violating the speed limit of the road you’re on, you may get pulled over, and with too many tickets on your record, you could face a temporary or even permanent suspension of your license.

Don’t Drive While Intoxicated

Driving while under the influence of a controlled substance, such as drugs or alcohol, places yourself and other motorists at grave risk of collision. When driving under the influence, your reflexes will be impaired, even if you feel like you’re in full control of them. In all likelihood, your driving will be erratic enough to tip-off a police officer, who may stop you and give you a DUI or DWI. In the worst cases, you could collide with another car, a pedestrian, a motorcyclist or bicyclist, or an obstacle on the road.

Seek Legal Advice

Sometimes, even when we play by the rules, we still are victims of unfortunate events. If you’ve been involved in an automobile accident, an experienced car accident lawyer can argue your case and help you obtain justice and the compensation to which you’re entitled. A traffic accident can change your life forever, but with the right legal representation, you can take great strides to make it whole again. 

Kaelen Felix Land Rover

Does Car Insurance Cover Hail Damage to My Car?

On average, the cost of repair for hail damage to a car is about $2,500

If you recently had a bad storm that damaged your car, you might not have the money to repair the car, especially if you weren’t expecting that extra cost. 

However, in some cases, you could turn to your insurance to help you out. But when does that work? We’ll break down everything you need to know, so make sure you keep reading!

Your Coverage

Before you can submit a claim for the insurance company to cover your hail damage, you’ll need to check your insurance policy first to figure out if you have a hail damage claim.

If you only have liability coverage, then you’re not covered for hail damage. Liability coverage will only protect you if you cause damage to someone else’s vehicle in an accident. 

However, if you have comprehensive coverage, you might be able to submit a claim. This will let you submit a claim to have any damage to your car paid for. This includes things like an animal damaging your car, a tree falling on it, glass shattering, or hail damage. 

If you know that there is a big storm coming, you may not be able to automatically sign up for comprehensive insurance. Insurance companies normally put a hold on when you can sign up so that you don’t do it just for catastrophic events. This is why you should have insurance at all times. 

The Deductible

If you have comprehensive insurance, you’ll likely also have a deductible. This is the amount you’ll have to pay out of your own pocket before the insurance steps in and covers some of it. 

If you have a higher deductible, you might also have a lower premium, so consider that if you’re new to signing up for comprehensive insurance. 

However, if you live in an area where hail storms happen often, you’ll have to figure out whether you can afford the out-of-pocket deductible if you need to submit a claim. 

In some instances, the insurance company might waive the deductible if it affects the glass of your car. 

Your Premium

Whenever you make a claim, it gets added to your insurance record. Every time you submit a claim, it could end up affecting what you pay for car insurance, but that’s only if you submit a lot of claims over a short period of time.

Deciding to file a claim will depend on how much damage you have. If the damage isn’t that bad, it might save you money, in the long run, to just pay for it yourself. However, if your car is going to have thousands of dollars in hail damage and you don’t have the money to pay for it, it might be better to risk the higher premium later on.

How to File a Claim

If you decide that you do want to file a claim for hail damage to car, you should do it as soon as possible. 

You’ll do it the same way that you’ve filed other claims for your car before. Contact the insurance company either on the phone or online. You should do it as soon as the storm is gone.

If it’s a large storm, your neighbors in the area will likely be doing the same thing, so you want to make sure you try and get in as soon as possible to avoid waiting for hours to reach someone. 

Once you actually get to file the claim, the insurance company will send a claims adjuster to look at the damage and figure out how much they will pay you to fix the hail damage. 

How to Fix the Damage

Whether the insurance company decides to help you or not, you’ll still need to then fix the damages. 

If your car is already paid for and the damage isn’t too bad, you could decide to just leave the dents. But if you still have a loan on the car, you’ll need to find someone to repair it. 

For those who did file a claim, the claim adjuster will help you find an auto body shop and get an estimate for the repair. For those who didn’t have the insurance to cover it, you can find your own auto body shop and get quotes on your own.

If you’re going to do that, make sure you shop around so that you can find the best deal possible. 

How to Protect it in the Future

To avoid all of this in the future, you’ll also have to figure out how to protect your car from future hail storms.

If you live somewhere that constantly has hail storms, you should look into preventative measures. Some of them include just buying a car cover to prevent hail damage that you can keep in the back of your trunk. If a hail storm pops up, you can easily pull over and cover your car to help reduce the impact from the hail.

Weather apps can also be useful and send you alerts when a storm is about to pop up. If you have enough time, you should try and find a garage or a covered area to help stop the hail from damaging your car. 

Learn More About Hail Damage to a Car

These are only a few things to know about hail damage to a car, but there are many more tips on how to get it fixed.

We know that dealing with car problems of any kind are a nuisance and can be stressful, especially if you don’t know how to solve it. That’s why we’re here to help you!

If you enjoyed this article, make sure that you explore our website to find more articles just like this one!

Kaelen Felix illustrates Demi Lovato and Marshmello for 360 MAGAZINE

Marshmello Sports Premiere Apparel

By Cassandra Yany

Marshmello sported a Premiere Apparel Tie Dye Hoodie to promote his new song and music video with Demi Lovato. The electronic music artist and pop singer took to Instagram on Thursday to share the release of their track “OK Not To Be OK” and the accompanying music video. In the photos, Marshmello is wearing a tie-dye hoodie by the LA brand Premiere Apparel.

The color-infused “Rain Forest Hoodie” pairs perfectly with the DJ’s electronic sound, and is one of the brand’s many tie-dye signature styles. Premiere Apparel creates clothing with colorful, mesmerizing designs and comfortable fits. 

Marshmello and Lovato teamed up with the non-profit movement Hope For The Day for this collaboration. The pair are working with the organization— whose motto is “It’s OK Not To Be OK”— to start a conversation about mental health and eliminate the stigmas and judgment that go along with it. While promoting the song, Lovato shared a message via Instagram on Thursday, which was also Suicide Prevention Day, expressing her struggles with mental health and encouraging her followers to check in with themselves and loved ones.

About Premiere Apparel

California grown and LA-Based uni-sex brand Premiere Apparel has a vision of reinventing lifestyle. Creating go-to comfy fits to traditional yet innovative looks as well as environmental manufacturing friendly. 

Premiere Apparel is a unisex streetwear premium brand that combines modern essentials with innovative wash techniques to create comfy go-to basics that make a statement. They believe in true essentials designed from life inspired color palettes that satisfy the soul.

Whether it’s your favorite weekend tee or that cozy sweatshirt for a cool night, Premiere Apparel offers well-made items for everyday people and their ever changing lifestyles. Fewer well designed pieces that are made to last and can go anywhere. They manufacture basics from the highest quality materials, using American-made materials and American labor.

Vaughn Lowery, 360 MAGAZINE

Understanding The Responsibilities Of A Personal Injury Lawyer

Personal injury lawyers are civil litigators that represent clients who face injuries or economic harm due to the actions of another party. A personal injury claim can mainly help a victim avail some benefits against the negligent party; to secure the compensation of the damages that may have been caused due to the incident. Now for a victim, it is obvious to file a personal injury claim as their right. Yet, to take the claim further and avail the compensations, personal injury lawyers play an important role for the victims. 

But when it comes to hiring a personal injury lawyer, the victim needs to understand the actual responsibilities that they’ll be offering in terms of the claim and its entire process. This is simply because their legal duties are pretty specific in terms of representing their clients. So, if you’re someone who’s planning to pursue a personal injury claim or know someone who would; it’s better to understand what appropriate representations you should be expecting from your lawyer.

Their Responsibilities

Explaining The Process

Going through the process of personal injury compensation is probably new to many, in comparison to the specific type of injury compensation. Other than that, the state to state differences in the personal injury law also make it uncommon for everyone to be aware of completely. That is why, when you hire a personal injury lawyer; their utmost responsibility is to explain to you the details about the process of filing a claim. Along with that, the personal injury lawyer also informs you about what you should be expecting to happen in the coming weeks or months; so that you can be completely prepared for it. If you’re in Texas, contact Austin personal injury attorney.

Giving Personal Advice

Other than explaining to you of your rights and the entire process, the personal injury lawyer will also provide you their advice according to their professional experience. This advice will mainly be based on what you should and shouldn’t do following your injury and case details. This professional advice would be another responsibility of your injury lawyer; that would benefit you to take the claim further. As an example, your injury lawyer can advise you on what medical treatment you can take to back up your medical records while ensuring the damages you’re claiming for.

Deeply Investigating

Another important responsibility of a personal injury lawyer is to deeply investigate your case and understand all the major and minor details. This would help them understand what compensation you deserve (according to them). This way, with the help of proper assessment of the medical details and injuries you’re facing, your injury lawyer would more strongly be able to handle the argument and negotiate for your settlement amount suitably. Although, when it comes to having a personal injury lawyer that would handle your case strongly and help you get better claims, it’s always recommended to go for professional help, especially in the larger cities of Los Angeles, like Pasadena. The professionals at believe that having a strong understanding of personal injury cases and having more experience in it; makes it far easier to achieve a better claim. Besides, the more experienced and professional personal injury lawyers you hire, the least stressful the whole process of claiming can be for you, right?

Negotiating For A Settlement

Now we mentioned how a professional personal injury lawyer would make it easier for you to go through the entire claiming process, right? But that isn’t all, as a professional personal injury lawyer also goes through the responsibility of negotiating a settlement with the at-fault party; from your side. With the help of the expert knowledge they have, the personal injury lawyers ensure that you rightly avail what you deserve; while professionally and suitably dealing with the insurance companies as well as other attorneys. As a result, personal injury lawyers tend to look at the situation a lot more than just the immediate effects that might take place, and handle it accordingly.

Representing You

Normally, personal injury cases are settled outside the court easily. Although, in cases where the settlement isn’t possible without having third-party interference; taking the case to a trial becomes important. At times like this, (which are also quite rare); it is the responsibility of your injury lawyer to represent you in the court and fight for the compensation you deserve. Yet, since such cases don’t go to the court often; it’s also important to ensure that your injury lawyer is suitable for representing you (in case if the case goes to court)!

When you hire an attorney, you don’t only increase the chances of success of your injury claim, but also secure a better compensation in comparison to what you would have received without an attorney. Yet, since not many are aware of how a personal injury lawyer serves us; it’s better to be aware of their responsibilities and look for an attorney that professionally fulfills them all.

Sara Sandman, 360 MAGAZINE, illustration

Who’s Liable When an Uber Driver is Involved in an Accident?

Whether you’re a driver or a passenger, the last thing you’d want to imagine is being involved in a car crash. A car accident is often a deadening experience that, in addition to causing physical and emotional pain, can wreak havoc to the victim’s financial health. But accidents do happen from time to time, and they don’t come knocking at anyone’s door.

Since its founding in 2009, Uber has grown to become inarguably the most popular cab service not only in the US but in many other countries around the world. When you’re new in the city and want to navigate from one point to the other, you just call an Uber and you’re good to go. You get into a club, take several shots and you feel you’re not confident enough to drive yourself home, you can simply leave your vehicle, call an Uber and come pick your vehicle the next day when you’re not intoxicated. They’re an affordable and highly convenient means of transport.

However, this is not to say that an Uber driver cannot get into a car crash, which may arise from his negligence or the negligence of another driver. If you’ve been hurt in an Uber crash or another ridesharing service, the folks at say that finding an accident lawyer should be one of the first things to do. This is because car accident issues can sometimes be complicated, lengthy, and emotionally draining if you approach it alone. With a good car accident lawyer, the process of seeking compensation for your injuries and losses becomes smooth and less stressful, giving you enough time and peace of mind to heal and get back to your normal life. 
The big question, however, is, who’s liable for the damages in case this happens?

Car Insurance

In essence, all drivers are required to carry car insurance to be on the road. Remember, most cars under the Uber umbrella are actually owned by third parties or the drivers themselves. But since Uber is a large, well-reputed brand, many cab drivers choose to operate under Uber instead of conducting business as individuals or under other smaller ridesharing services. The good thing is that before Uber accepts a driver, they have to carry car insurance, which is meant to protect them from liability in case they were at fault in n auto accident.

Who’s Held Liable?

Now, if you or a loved one has been injured in an uber crash, liability lies in the driver who caused the accident. In other words, there are various scenarios to it. You could be a passenger in the Uber or a passenger/driver in the other vehicle. Either way, the driver who is found at fault for the crash (or their insurance company) should be the one to cover the resulting damages, including medical costs and compensation for your losses, pain, and suffering. But sometimes accident compensation matters can be highly complex and difficult to navigate, which is why is important to work with an accident attorney from the word go.

Supplemental Uber Insurance

The other good thing about Uber is that they also provide supplemental insurance to their drivers. This is specifically meant to help passengers who may get hurt in an Uber car crash. The accident policy, in the US, for instance, covers a liability of up to $1 million, which may be enough to compensate you for your losses, pay your medical bills, and other out of pocket expenses the persons involved in the accident might have incurred after the car crash. The ridesharing service also provides coverage of up to $50,000 per person and $100,000 per accident, along with $25,000 coverage for property damage caused by the accident. However, the caveat to this is that for the insurance to become available, the Uber driver has to have had the Uber app on during the ride. This makes it important that as a passenger, you always ensure that your driver has the Uber app on as soon as you board the vehicle.
After an Uber driver is involved in a car accident, the liability lies in the person at fault. They, the other driver, or their insurance company could be held liable. In a rideshare accident, some common types of compensation available include medical expenses, lost wages, pain and suffering, and loss of companionship, among others. Whether you’re the driver or the passenger in the accident and you’re injured, it is important to seek medical attention, talk with an accident attorney, file a police report, and get insurance information as soon as possible. This helps ensure that whoever is to blame for the accident is brought to justice and that you receive your compensation where due.

Independent Drivers Guild Launches Chicago Driver Safety Campaign

Rideshare Drivers are Being Targeted By Carjackers, Demand Action By App Companies

For several years now, the Independent Drivers Guild has stood at the forefront of advocacy for ride hailing and delivery drivers’ rights and safety concerns along with allied partner organizations. In light of the recent spate of carjackings targeting rideshare drivers and delivery drivers in Chicago, the lDG Chicago has launched a driver safety campaign to demand action from the transportation network/delivery app companies and lawmakers to do more to protect driver safety.

In the first three weeks of this year alone, Chicago averaged more than six carjackings per day, many of those specifically targeted rideshare drivers and gig delivery workers. IDG Chicago is demanding that ride hailing and delivery app providers work with drivers to address the recent increase in carjacking and other criminal incidents, whereby offenders are easily able to exploit a lack of security protocols with the apps themselves and take necessary measures to increase driver safety. 

“Dozens of Chicago rideshare drivers and delivery workers have been lured in by carjackers in the last few months alone.  We are driving around with targets on our backs. It’s terrifying. The app companies must do more to protect worker safety,” said IDG Chicago organizer and rideshare driver Kevin Nelson. “We urge fellow drivers and delivery workers to stand with us in unity and join with us to fight for the changes we need for a safer industry.”

Drivers can learn more and sign the petition at this website.

Chicago Drivers Guild Safety Demands

These common sense improvements will protect both drivers and their passengers to ensure safe transit during the COVID-19 pandemic.

  • Passenger verification
  • Mandatory passenger profile photos
  • Mandatory mask-wearing selfie when ordering a ride
  • Credit card fraud verification
  • Stolen account warning
  • Police zone warnings in app
  • Passenger background check
  • Panic Button
  • Special Crime Victim Insurance
  • Increased Penalties for Assaults
  • In-Vehicle Cameras
  • Safety Violation Charges

While rideshare drivers must be licensed and pass thorough background checks to protect riders, very little is done to ensure driver safety. Riders are not even required to submit photos or use their real name. IDG has been able to demonstrate that anyone with any mobile device can originate a new account on these apps and order rides or deliveries without any real verification of identity.  The methods of payment do not need to be tied to any specific person, nor is a phone number or email address verification required. What that means is that “ghost accounts” with completely fictitious information are being created to lure unsuspecting drivers into traps where their vehicles along with their phones, wallets and subsequently their livelihoods, are taken away.  Additionally, various incidents have occurred within the past months and weeks where Lyft and Uber have shifted liability for damages to the driver, specifically in the form of high deductibles or damage bills on rental program vehicles originating from these incidents.  

It’s important to note that if unaddressed, Chicago’s rideshare carjacking crisis can become a passenger safety issue as well. Passengers may find themselves stranded as drivers may be unwilling to pick them up at certain times and locations due to safety concerns and passengers may be targeted by criminals for their phones as part of these carjacking schemes.  As these incidents continue to persist at a rate of an average of over 6 times per day within the city, many still-active drivers have begun discriminating or refusing to service customers in various areas, meaning the transportation network companies are losing revenue. 

“Until we win broader safety measures, we urge all drivers to use extra caution. Be aware of your surroundings at all times and share phone locations as well as planned working hours with trusted contacts,” rideshare driver and IDG Chicago organizer Mark Smithivas.  “We also encourage the use of secondary cell phones and keeping extra credit cards and cash in a separate place on one’s person in the event that they are robbed.  As of the moment, the most important thing the city, the companies and the media can do is spread the word.

“Every rideshare and delivery driver as well as customer in Chicago needs to know that we are specifically being targeted for these crimes and as such, we ask for your help and solidarity in fostering a safer industry,” added Smithivas. 

The Independent Drivers Guild is the largest rideshare driver organization in the nation, organizing for drivers’ rights, fair pay and better working conditions. We are Uber, Lyft, and Via workers united for a fair industry.  Together, we’ve won landmark victories that put billions of dollars in drivers’ pockets and improved safety, including advocating for a ban on pooled rides during the Covid-19 pandemic and distributing masks and sanitizer to thousands of drivers. Founded in 2016, the Independent Drivers Guild is a Machinists Union affiliate that advocates for more than 250,000 across NY, NJ, CT and IL, including more than 80,000 For-Hire Vehicle drivers in New York City. 

7PM TODAY: Chicago Rideshare Drivers to Hold Candle-light Vigil for Carjacking Victims

Independent Drivers Guild will Pray for Uber and Lyft Drivers, Call for City Leaders to Act and Lead a Procession to Uber and Lyft Offices to Demand Action 

On the evening of March 9, Members of the Illinois chapter of the Independent Drivers Guild (IDG) will host a candle-light vigil to pray for their fellow rideshare drivers who were gravely injured in carjackings last week, one of whom remains hospitalized in critical condition and another who is paralyzed as a result. In the past several months, multiple drivers in the Chicago area have been carjacked by riders matched to them via the apps and just last week, these two drivers were shot and are fighting for their lives.  Rideshare drivers, carjacking victims, family, friends, city leaders and supporters are invited to attend the vigil.

The IDG will also call for city leaders and app companies to act now to protect Chicago rideshare drivers by requiring verification of all passenger accounts. Following the vigil, the IDG will lead a procession to the Uber and Lyft offices to demand immediate action. 

The Independent Drivers Guild launched a rideshare driver safety campaign earlier this year demanding swift action to protect drivers amid Chicago’s carjacking crisis, however nothing has been done and now two rideshare drivers are fighting for their lives.

What: Candlelight Vigil for Chicago’s Uber and Lyft Driver Carjacking Victims

Who: Independent Drivers Guild, Illinois Chapter
        Rideshare Carjacking Victims, Family, Friends, Supporters  

When: 7PM TODAY, Tuesday, March 9

Candlelit Vigil

The vigil will be held at 2622 W Jackson, Chicago outside the office of the 28th Ward (the ward where the most recent carjacking occurred)

Vehicle Procession to Uber and Lyft Offices
Following the vigil, IDG will lead a procession by car to the Uber and Lyft offices.
Drivers will post and sign a letter demanding immediate action.

Chicago Lyft Driver Center & Vehicle Services
1020 N Elston Ave, Chicago, IL 60642

Uber Greenlight Hub 
1401 W North Ave, Chicago, IL 60642

RSVP: Members of the media are requested to RSVP.

Members of the public can sign up to attend and learn more here.

“When you sign up to be an Uber or Lyft driver, you never expect that you may not make it home to your family after your shift. Yet two Chicago rideshare drivers are fighting for their lives after being shot in carjackings this week and two more families find themselves praying for their loved ones. We are coming together to lift up our fellow drivers and their families in prayer and to show the support of the driver community,” said Kevin Nelson, an IDG organizer and Chicago-based driver for Uber and Lyft.  “Across Chicago rideshare drivers are terrified to go to work. Criminals are ordering rides through fake accounts with Uber and Lyft and then violently carjacking the drivers. The app companies must act now before yet another driver is shot.”

The Independent Drivers Guild is the largest rideshare driver organization in the nation, organizing for drivers’ rights, fair pay and better working conditions. Together, we’ve won landmark victories that put billions of dollars in drivers’ pockets.  The Independent Drivers Guild is a non-profit affiliate of the Machinists Union and advocates for more than 250,000 across NY, NJ, CT and IL. We are driver-led and driver-powered. To learn more, please visit this website.