It is a rare person who gets enthusiastic from the beginning about filing for bankruptcy. Rather, people who struggle with debt tend to try other solutions first. For example, they may cut back on spending, take in a roommate to help pay rent or transfer their credit card balances to a new card that has a 0 percent introductory interest rate.
When a driver is involved in an accident, even if no one is injured, there may seem to be no end to the hassles of getting estimates for car repairs, dealing with insurance adjusters and waiting to get one's vehicle back on the road. However, for some, this is all in a day's work. These are people who stage car accidents to fraudulently collect insurance money.
In New York and across the country, truck accidents often raise high emotions because of their devastating effects. Litigation related to these accidents can be complex, involving many parties and testimony about technical aspects of a vehicle's safety features and insurance coverage. Trucking companies, independent drivers and insurance companies may find themselves in need of a skillful truck accident defense, especially if the accident resulted in injuries or loss of life.
A trip to a New York emergency room used to be a cause of great anxiety. Rushing a child or a loved one to the ER typically meant his or her health was in serious or grave danger. In recent years, however, with the cost of health care and insurance ever rising, more people seem to be choosing the emergency room as a replacement for a primary care giver or for after-hours care. Because of this, one insurance company has changed its policy regarding coverage of emergency room visits.
New York residents carry a variety of insurance plans for protection against many unforeseen circumstances. In addition to health, life and auto insurance, some own insurance for their apartments, pets and even computers. Until recently, New Yorkers could also buy Carry Guard insurance, which was offered through the National Rifle Association. However, the New York Department of Financial Services recently launched an investigation into the product, resulting in the determination that Carry Guard is a violation of insurance law.
Providing quality care for residents in nursing homes seems to be more difficult in recent years. New York families are increasingly disappointed in the attention their loved ones receive, and legal counsel are spending more time defending nursing homes from accusations of physical and emotional neglect. One recent study shows that because of the current trend in nursing home care, the expectations placed on facilities may be too high.