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Best Pet Insurance Companies

How will you pay if your pet is seriously injured and needs emergency medical care? In a recent study, 46% of pet owners said unexpected emergency expenses of $500 or less can cause financial stress. 1 Pet insurance can be a must when emergency veterinary bills cause financial problems. There are many pet insurance companies out there, but we’ve selected the best ones based on the level of reimbursement and coverage available. Leading companies offer multiple benefit options, a range of deductibles, and allow you to customize your policy with optional add-ons.

Best Pet Insurance Companies of June 2022

Nationwide

Annual deductible options: $250
Reimbursement options: 50%, 70%, 90%
Avg. claim turnaround time: 5 days

Pros & Cons

Pros

5% discount for current Nationwide customers
Offers coverage for exotic pets
Optional wellness plans available

Cons

Pets must be enrolled before the age of 10
No unlimited reimbursement options
Only one possible deductible

Why We Chose It

Nationwide is a leading insurance company and has been offering pet insurance since 1982. It now insures over 1 million pets, and it’s one of the only pet insurance companies to cover exotic pets as well as dogs and cats.

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Nationwide offers four plans:

Major Medical: Major Medical is Nationwide’s basic accident and illness policy. It covers treatments and procedures for sudden injuries or illnesses. The deductible is $250. This plan uses per-condition annual limits, meaning you’ll have to look at the coverage details to see how much they’ll pay depending on what has happened to your pet.
Whole Pet: Whole Pet coverage is for unexpected accidents and injuries. It has a $10,000 cap on annual benefits and a $250 deductible. You can choose a reimbursement percentage of 50% or 70%. Besides accidents and illnesses, Whole Pet also covers hereditary and congenital conditions.
Pet Wellness (Basic and Plus): These plans provide coverage for routine and preventative care, like wellness exams, vaccinations, and flea and heartworm preventatives. They have per-condition annual limits; Basic has a $400 overall annual limit, and Plus has a $500 overall limit. Pet Wellness can be added on to Major Medical plans.
Avian and Exotic Pet Coverage: Nationwide covers birds, reptiles, and other exotic pets. Less details are available online as you can only get quotes and purchase coverage for exotic pets over the phone.

Nationwide’s plans have 14-day waiting periods for both accidents and illnesses.

Figo

Annual deductible options: $100–$750
Reimbursement options: 70%, 80%, 90%, 100%
Avg. claim turnaround time: 7-10 days

Pros & Cons

Pros

One-day waiting period for injuries, 14 days for illnesses
Offers up to 100% reimbursement
No upper age limit for enrollment

Cons

Veterinary exam coverage requires an additional rider
Rehabilitation and alternative therapies require an additional rider

Why We Chose It

With most pet insurance companies, the maximum reimbursement—the percentage of your veterinary bill the insurance company covers—is usually 90% or less. But with Figo, you can choose a reimbursement percentage as high as 100%, so your bill will be completely covered after reaching your deductible.

Figo offers three accident and illness policies for dogs and cats:

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Essential: The Essential plan provides up to $5,000 in annual benefits.
Preferred: The Preferred plan’s annual benefits are capped at $10,000.
Ultimate: The Ultimate plan has an unlimited annual benefit.

Figo does have optional riders you can add to your policy, such as wellness plans for vaccines and preventative care, veterinary exam fee plans, and extra benefits like coverage for boarding fees, and third-party property damage liability protection.

Figo also offers a diminishing deductible. For each year that you are claim-free, Figo will reduce your deductible by $50 until it reaches $0.

Figo was founded in 2013, and it’s based in Chicago. Its policies are underwritten by Independence American Insurance Company.

MetLife

Annual deductible options: $50–$2,500
Reimbursement options: 70%-100%
Avg. claim turnaround time: Less than two weeks

Pros & Cons

Pros

Family plans available
No upper age limits
Plans cover veterinary exams and medications

Cons

Annual benefits limited to $10,000 for online enrollment
Coverage for parasitic conditions requires an additional rider
Six-month waiting period for cruciate ligament conditions and IVDD

Why We Chose It

Although many companies offer multi-pet discounts, you usually have to reach the annual deductible for each pet. But with MetLife, you can enroll your pets in a family plan and have just one deductible that applies to all of your pets. MetLife’s family plans tend to be less expensive than enrolling pets in individual plans, helping you save money.

MetLife offers accident and illness policies for dogs and cats nationwide. Its policies have two-week waiting periods for illnesses, but accident coverage starts the day after you enroll your pet.

MetLife also has routine care riders you can add to your policy to get coverage for wellness visits and preventative care. The company offers multiple discounts, and it works with employers to offer discounted pet insurance to eligible workers. Take note that some policy options (like deductibles and coverage limits) may vary by location and pet.

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MetLife is a major insurance and financial services company founded in 1868. Its policies are underwritten by the Independence American Insurance Company. For more information, see the full MetLife pet insurance review.

ASPCA Pet Health Insurance

Annual deductible options: $100, $250, $500
Reimbursement options: 70%, 80%, 90%
Avg. claim turnaround time: 30 days or less

Pros & Cons

Pros

Pets can regain coverage for some pre-existing conditions
Higher-than-usual multi-pet discount
Covers stem cell therapy

Cons

Somewhat limited reimbursement percentage options
No high-deductible option to lower your premiums
Must call for some coverage options

Why We Chose It

There are no pet insurance companies that cover pre-existing conditions. If your pet was diagnosed with or showed clinical signs of a condition before your policy effective date or during the waiting period, all companies will exclude treatments for that issue.

However, ASPCA Pet Health Insurance stands out from most other companies in handling curable pre-existing conditions. If your pet has a curable condition and is free from treatment and symptoms for at least 180 days after enrollment, the condition is no longer considered pre-existing, and future treatments will be covered. But this provision doesn’t apply to ligament or knee conditions, so your pet cannot regain eligibility for coverage for issues like hip dysplasia or a luxating patella.

ASPCA has reasonable waiting periods for all conditions, including orthopedic issues (14 days). And it’s one of the few companies that cover stem cell therapy for qualifying injuries or illnesses, making it a good choice for breeds known for hereditary or congenital issues.

ASPCA has two main plans for dogs and cats, along with preventative care riders:

Complete Coverage: The Complete Coverage plan is ASPCA’s accident and illness plan. The maximum allowable annual benefit is $10,000 when enrolling online, but you can call for more options.
Accident-Only Coverage: Accident-only coverage only reimburses you for treatments for injuries and emergencies related to sudden accidents. The maximum allowable annual benefit is $10,000.
Basic/Prime Preventative Care: The preventative care add-on reimburses you for routine care like annual exams, dental cleanings, heartworm/flea prevention, and vaccinations. The Prime plan costs more than the Basic, covers more treatments, and offers more reimbursement.

ASPCA also has separate policy options for horses: Colic + Accidents, Colic + Accidents + Illnesses, and Routine/Platinum preventative care packages.

Despite its name, ASPCA Pet Health Insurance is not owned or run by the American Society for the Prevention of Cruelty to Animals (ASPCA). Instead, it is owned by Crum & Forster Pet Insurance Group and gets its name through a branding partnership with ASPCA. Crum & Forster Pet Insurance Group has been providing pet insurance since 1997.

Odie

Annual deductible options: $50–$1,000
Reimbursement options: 70%-90%
Avg. claim turnaround time: 5 days to process plus a couple weeks to receive

Pros & Cons

Pros

No upper age limit
Lower-than-average premiums (based on internal research)
Wide range of deductible amounts

Cons

Regular teeth cleanings and exams required for periodontal disease coverage
Reimbursement sent through postal mail

Why We Chose It

Dental diseases are common in dogs and cats. In fact, periodontal disease affects 80% of dogs over three years of age.2 Some insurance companies limit dental coverage, but Odie’s plans provide significant protection. If you follow the company’s care requirements for dental exams and cleanings, Odie will cover periodontal disease, endodontic treatments, extractions, and more.

Odie has one accident and illness policy, with multiple optional riders that provide coverage for wellness exams and routine care. There’s no upper age limit for enrollment, and you can get up to 90% reimbursement for qualifying treatments. You can choose a deductible between $50 and $1,000, so you can adjust your policy to fit your budget.

Odie is a relatively new company, founded in 2020.

Prudent Pet

Annual deductible options: $100–$1,000
Reimbursement options: 70%, 80%, 90%
Avg. claim turnaround time: “Lightening fast” claims process

Pros & Cons

Pros

No upper age limit
24/7 veterinary support available
Quick claims processing

Cons

Six-month waiting period for cruciate ligament and soft tissue conditions
Basic plans don’t cover office visits

Why We Chose It

Because pet insurance companies usually work via reimbursement—you pay for your pet’s treatment, submit a claim, and wait for the insurer to reimburse you—processing times are important. Some companies can take weeks to process and pay out claims. But with Prudent Pet, the claims process is “lightening fast” and uses AI to get you your money faster.

Prudent Pet has three plans for dogs and cats:

Accident-Only
Essential
Ultimate

The Accident-Only and Essential plans each have a $10,000 annual maximum, while the Ultimate plan is unlimited. The Ultimate plan also includes additional benefits like mortality coverage, vacation cancellation reimbursement, and advertising and rewards for lost pets.

Prudent Pet also has three wellness plan options you can add to your policy—for an additional fee—to get coverage for preventative care. There is also exam fee coverage that can be added.

Prudent Pet was launched in 2018, and it issues policies in all 50 states and the District of Columbia.

USAA

Annual deductible options: $200–$1,000
Reimbursement options: 70%, 80%, 90%
Avg. claim turnaround time: 10–15 days

Pros & Cons

Pros

Diminishing deductible
Covers complementary treatments and rehabilitative care
Significant discounts available

Cons

Senior pets aren’t eligible for accident and illness protection
Bilateral conditions are not covered
Six-month waiting period for most orthopedic conditions

Why We Chose It

Pet insurance can be expensive, and budget-conscious pet owners can save a significant amount of money through USAA. Most USAA members can get up to 15% off their premiums. But if you are current or former active duty military or have multiple pets to insure, you can get up to 25% off.

USAA membership is required to purchase insurance from USAA; to qualify for USAA membership, you must be a current or former member of the U.S. military. Spouses and children of current or former military service members are also eligible.

USAA doesn’t issue or underwrite pet insurance policies. Instead, it partners with Embrace to provide discounted pet insurance options to eligible members.

Embrace offers accident and illness policies along with accident-only policies for dogs and cats. Embrace also sells a wellness plan that helps pay for routine care like vaccinations or microchipping.

5 Best 0 Interest Credit Cards | Review

Having a credit card for a businessman has become a necessity nowadays. You should be really cautious while picking 0 interest credit cards for you.

A 0 interest credit card with an introductory offer on purchases, balance transfers, or both can help you avoid interest charges for a limited time and potentially save hundreds of dollars. Compare the best 0% intro APR credit cards available from our partners and get expert advice on debt management.

What Is A Credit Card?

A credit card is a type of credit facility offered by banks that allows customers to borrow funds up to a predetermined credit limit. It permits consumers to make purchases of goods and services.

Credit cards are notorious for charging higher interest rates than many other financial products, but some cards offer a 0% APR promotional period. Some 0% APR credit cards allow you to avoid paying interest on both purchases and balance transfers, while others only offer one or the other.

When comparing 0% APR cards, keep in mind that some may lack features, such as rewards and other perks, that will keep you using the card long after the promotional period has ended.

Benefits Of A Credit Card

1. Buying on credit facility: The credit limit granted to the cardholder is what makes a credit card appealing. You can buy whatever you want within that limit and pay later. Even if you buy expensive items on credit, your monthly budget will not be affected. The ability to convert the total amount of your purchases into low-cost EMIs, allowing you to repay it easily over time, is one of the most significant benefits of a credit card.

2. The most commonly used method of payment: If you have this card, you can travel anywhere without carrying much cash. You can use a credit card to pay for anything because it is the most widely accepted method of payment.

3. Withdrawal of interest-free cash: A few credit cards allow you to withdraw money up to a certain limit in an emergency, with no interest charged for 45 to 50 days. It is useful in times of financial emergency.

4. Infinite reward points: Business cards, like personal credit cards, offer loyalty points, cashback, and other perks for various transactions. Assume you have a business credit card that provides travel rewards. In that case, you can earn points and redeem them for discounted (or even free) hotel stays and airline tickets.

This helps to reduce your business travel expenses. Not only do business credit cards provide travel credits, but they also provide cashback offers on gas, dining, and shopping, among other things.

Top Picks Of 0 Interest Credit Cards

We’ve compiled a list of some of our favorite 0% interest credit cards to help you decide which one is best for you.

1. Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card is one of the best cash rewards credit cards we’ve seen, not just one of the best flat-rate cash rewards cards.

Wells Fargo Active Cash offers unlimited 2% cash back on purchases and has no annual fee. This puts it in direct competition with the best flat-rate cash-back cards available. The 0% intro APR on purchases and qualifying balance transfers is valid for 15 months from account opening, after which a variable APR of 17.24%, 22.24%, or 27.24% applies.

Balance transfers made within 120 days qualify for the introductory rate and fee of 3%, followed by a fee of up to 5%, with a minimum of $5. Although there is a transfer fee, this is a good option for balance transfers.

2. Discover It Cash Back

The Discover it Cash Back is an excellent introduction to rewards-earning credit cards. The Discover it Cash Back program provides solid rewards: When activated, earn 5% cash back on everyday purchases at various locations each quarter, up to a quarterly maximum of $1,500 in spending. Plus, automatically earn an unlimited 1% cash back on all other purchases.

Another advantage of carrying the Discover it® Cash Back card is that there is no minimum cash-back redemption amount. The card also comes with a 15-month 0% introductory APR on purchases and eligible balance transfers. Then a variable rate of 14.24% – 25.24% is applied. A balance transfer fee of up to 5% of the transferred amount is charged.

3. BankAmericard Credit Card

The BankAmericard credit card isn’t flashy, but it also doesn’t pretend to be. It only has one purpose: to save money on credit card interest, and it does it about as well as any other card on the market.

However, the card’s value is largely determined by its 0% period. Aside from that, it lacks any of the extras you might look for in a credit card, such as ongoing rewards or even side benefits.

4. Chase Freedom Unlimited

The Chase Freedom Unlimited® card provides an enticing mixture of useful rewards, adaptable redemption options, a lengthy 0% introductory APR period, and a sign-up bonus worth more than most cash-back cards — all for a flat annual fee of $0.

The Chase Freedom Unlimited® card earns 3% cash back on restaurant and drugstore purchases, 5% cash back on Chase-booked travel, and 1.5% cash back on all other purchases.

5. Wells Fargo Reflect Card

The Wells Fargo Reflect® Card, one of the newest additions to the issuer’s expanding portfolio, is a strong bet for consumers searching to pay down debt or pay off a major purchase.

The no-fee card has an extra-long promotional period for 0% intro APR on purchases and cash advances, as well as the option to extend this period even longer.

Frequently Asked Questions

What is a purchase APR?The APR is the rate of interest charged by the credit card company on purchases if you have a balance on the card.
What is an intro APR?A promotional interest rate that is lesser than the card’s usual APR for a limited time, sometimes as low as 0% APR.
What is the best credit card with 0% interest?There are many best credit cards with no interest, only what is best for your specific situation. If you’re looking for the best no interest offers on purchases, consider the length of the offer when selecting a credit card for its interest-free offer.

Finding the Best Small Business Workers Comp Insurance

If you are starting a new business and looking for the best small business workers comp insurance, you’ve come to the right place. There are several top companies that offer coverage at a reasonable price. These companies include The Hartford, Chubb, Next Insurance, and Travelers. These companies have been in the business for many years and have high ratings with customers.

Travelers

Travelers workers comp insurance is an industry leader that helps companies minimize costs and create a safe working environment for their employees. Travelers also helps injured employees get the medical care they need and return to work as quickly as possible. The insurance company has a nationwide network and local expertise in every state. This insurance company also offers a pay-as-you-go plan called TravPay, which is perfect for small businesses. It features real-time premium calculations and automatic premium deductions.

Injured employees can benefit from transparency in the claim process. With Travelers, claimants can easily get information on their claims from the company’s online dashboard. Claims professionals can help workers submit claims online, and claimants can keep in touch with them through a Virtual Visit. This feature adds flexibility to the Workers Compensation process by ensuring timely and safe communication between employees and their insurance provider.

Other benefits of using Travelers’ policy include a large toolbox of risk management resources. The Travelers Risk Control portal offers articles, self-assessment tools, and trainings for business owners. It also has an app that helps business owners track workplace hazards and fire protection system impairments. Additionally, Travelers offers hands-on risk management services, such as industrial hygiene lab visits and safety consulting.

The Hartford

If you’re a small business owner, you’ll find that The Hartford offers a host of workers compensation benefits and services that go above and beyond the standard package. Hartford’s compensation plans cover a wide range of issues, including loss of earnings, compensation for voluntary compensation, and stopgap employer liability coverage. Hartford also offers an extended coverage option, which includes broader liability protections.

The Hartford has an impressive background in commercial insurance and serves more than a million commercial customers. With over two centuries in the business, they have a proven track record of customer service and financial strength. The company is also publicly traded, so you can find detailed financial statements on their website. If you’re looking for a small business workers comp policy, check out The Hartford’s online quote tool.

Workers’ comp insurance is required by law in most states. However, state laws can differ in terms of premiums and benefits. This is because states have different risk profiles and economies, and therefore, different insurance requirements. If you’re unsure of the coverage requirements in your state, contact a specialist at The Hartford to discuss your options.

Chubb

Chubb offers a variety of small business insurance products. Some policies include general liability and commercial property insurance, while others offer specialized coverage for specific industries. Chubb also offers business interruption insurance and additional expense coverage. These products are designed with the needs of small businesses in mind. The company’s website has links to various policies and coverage, and it is easy to find the right one for your business.

Chubb Small Business workers compensation insurance provides the peace of mind you need after an employee is injured. The policy comes with world-class claims services and has several features that help you deal with claims and keep costs down. It also has great tools for managing medical and disability benefits, and has technology that helps you keep track of absences. In addition, Chubb also offers Chubb Umbrella insurance, which offers an extra layer of coverage for small businesses.

AmTrust Financial Services focuses on small business insurance solutions, including workers’ compensation coverage. The company also offers other small-business insurance solutions, including international coverage, title insurance, and warranty coverage. Its coverage is particularly helpful for small businesses, including artisan contractors, beauty salons, doctors, dentists, and other professionals. The company also offers educational resources for small business owners.

Next Insurance

If you own a small business and you’re looking for workers comp insurance, Next Insurance may be the best option. The company offers a range of customized packages for a low price. In addition, its application process is simple and only takes five minutes. All you have to do is input some information about your business and the company you work for to get a quick quote.

Next Insurance is an app-based company, which makes it easy to navigate. They also have knowledgeable advisors and independent agents to help you through the process. Next is not a good fit for entrepreneurs who want an insurance agent to handle all of the paperwork for them. The company is more suited for smaller businesses and entrepreneurs who don’t want to deal with an insurance agent.

Next Insurance’s mobile app is a powerful tool that allows you to make changes to your policy from anywhere you have data. While many traditional insurance companies rely on print-and-mail forms for routine communication, their app lets you get an instant certificate of insurance anytime you want. Another major feature is that they serve hundreds of professions across hundreds of states.

Top 5 Reasons Your Personal Injury Lawyer Must Be Board Certified

For Personal Injury lawyers, Board Certification is a mark of excellence in a professional career. Patients would never trust a doctor who lacks Board Certification with their care. The same should be said for legal representation. The problem is, many people aren’t aware that lawyers can even be Board Certified. This lack of publicly available knowledge is unfathomable to the country’s top lawyers. This very important distinction is what separates “paper pushers” from the true “case winners”. Lack of a Board Certification distinction can be what’s standing between clients and the maximum amount of compensation they deserve.

Top 5

Within this article we’ll explain the Top 5 reasons accident victims should retain a Board Certified lawyer. This writeup will cover all the reasons–from the paperwork, to the uphill battle with the insurance company–that the best thing to do after sustaining serious injuries in an accident is to sit down for a consultation with a top Personal Injury lawyer.

As always, this publication is meant to assist potential law firm clients seeking expert Personal Injury representation. Without Board Certified lawyers on their side, clients fighting the insurance company will cannot win their case.

#1: Insurance companies take advantage of those who try to fight their own claims

When it comes to fighting the insurance company, it’s a losing battle if victims choose to do so without Board Certified lawyers. Insurance companies are not in the business of treating accident victims fairly. If the victim resorts to dealing with the insurance company alone, there is a high chance that they will not be treated with the fairness they deserve when it comes to compensation for their injury.

In previous articles, we consistently discuss the practice known as Deny, Delay, Don’t Pay. It’s used to scare off victims from seeking the compensation owed to them. This tactic is used as soon as the insurance company finds out the victim’s lawyer is a “paper pusher”. Trust us, the insurance companies know a “paper pusher” or “adjuster” when they see one.

What is a “paper pusher” lawyer?

This is not a good thing. A “paper pusher” is what we refer to on the Law Resource as a lawyer that takes as many claims as possible just to bolster their “results” when in fact, these “results” are merely obtaining any small amount of compensation on behalf of their clients (the dollar amount doesn’t matter to them, and this is yet another red flag to find another firm. For injured clients, money does matter. It’s what restores quality of life medically and mentally).

#2: Accident victim’s should not navigate Florida’s legal system without legal representation

The second reason an accident victim should never attempt to fight alone after becoming injured by the recklessness or negligence of another (car accident, medical malpractice, or a trucking accident to name a few common reasons lawsuits occur) is a simple one: Florida’s legal system is complex. Understanding statutes, laws, and what is actually able to be brought to trial is extremely difficult for those without a law degree. A Board Certified lawyer has consistently upheld a high level of successful results in all of these areas when it comes to his or her clients; Board Certified lawyers tend to have more knowledge than that of their Personal Injury peers.

Furthermore, only a Board Certified lawyer will be able to go up against an insurance company’s team of lawyers. Whether it’s preparing a client for mediation or going all the way to trial, the lawyer knows the due process. Each Personal Injury claim is different. Having experience with different accidents and outcomes is the first step to maximum compensation. Board Certified lawyers can provide appropriate legal advice on a case by case basis.

#3: Only Board Certified lawyers can deal with the paperwork…the right way!

This next one may not be as obvious as our previous reasons to seek a Board Certified lawyer after an accident. However, it’s worth mentioning. Not only is the legal system complex, it’s made up almost entirely of paperwork. Trying to sort through the amount of legal documents that require very specific information (“the book of the client’s life”) alone is another losing battle alone. Insurance companies will use the amount of paperwork as another way to take advantage of the victim. Insurance companies want the victim to give up. Board Certified lawyers take the reigns on the paperwork and the insurance companies don’t stand a chance when it comes to their intimidation practices.

#4: Board Certified lawyers are rare for a reason

Board Certification is a process that begins with young lawyers striving to achieve more than getting clients out the door with a check. Young lawyers must stay hungry through the early years of their career so that they may hold the honor of Board Certification when they finally attain the title of Senior Lawyer within a firm in which they’ve become partner, or within a firm of their own.

Only 1% of lawyers reach this milestone and become Board Certified lawyers. This highly sought after but rarely realized achievement puts Board Certified lawyers above and beyond their non-Board Certified peers by leaps and bounds. Attaining double certification is less common, as less than 1% of lawyers can claim this crowning jewel of success. Double board certification means not only is the lawyer Board Certified within the state they practice, but nationally.

#5: Board certified lawyers have the most experience

Compared to their peers, a Board Certified lawyer upholds a higher standard of morals, ethical behavior, and trustworthiness. Their success is based on client satisfaction, not the number of clients the lawyer was able to see in a month. Board Certified lawyers obtain multimillion dollar settlements on behalf of their clients because they see cases through to the end successfully.

These lawyers are the ones who have the experience to utilize Demonstrative Aids, call in expert witnesses, preserve evidence (this is called Spoliation of Evidence) and file time sensitive motions in an appropriate timeframe. Board Certified lawyers are professional, ethical, and conduct themselves above the standard that’s expected in the office setting and when they get in front of the judge in the courtroom.

Bonus #6: Contingency in Personal Injury isn’t special, it’s normal

It’s well known that Personal Injury lawyers work on contingency. That means, the lawyer will not make a dime unless the client recovers compensation. Lawyers who advertise “no fee up front” or “free legal representation” are not being honest with accident victims. The field of Personal Injury has a widely accepted stance on contingency. Thus, due it’s acceptable ethics, there is no need to advertise it.

Closing arguments

Unfortunately “I’m going to sue you!” is a misnomer that is used too much. Its connotation is that of lawyers on television commercials advertising firms and promising large settlements. Not every case will settle for millions. Lawyers with experience will be up front about this. The best a Personal Injury lawyer can do is recover maximum compensation allowed by law. Lawyers who make false promises are a red flag to find another firm! Lawyers should never promise a client a specific amount of money. A lawyer who tries hundreds or thousands of cases to verdict successfully won’t make false promises. Their results speak for themselves.

Experience speaks for itself

At the end of the day, it’s lack of experience, false promises and dishonesty that can kill a case. Victims who end up stuck with a “paper pusher” will often receive the least amount of money. And that’s money meant to better their quality of life! These clients often do not have the resources to seek out a better accident lawyer.

Now that we’ve established our “Top 5”, that is not the case. Using this article, readers can better inform themselves of why they must place themselves in the hands of Board Certified lawyers.

Credit Card Debt Consolidation Loans – How To Combine Responsible Debt Consolidation

Credit card debt is very common these days. It occurs when a consumer of a credit card company buys something or avail a service via the credit card system. When the consumer doesn’t pay back the company for the cash that he or she has invested, debt accumulates and grows through interest and other charges.

The problem with credit card debt payments is that you may not have the money to make the monthly payments every month. This makes it difficult for you to fulfill your basic needs every month. The constant rise in the price of goods and services makes it impossible for you to meet your expenses every month. You may be in a situation where you have to sell your assets just to pay your debt payments every month. That will leave you with very little money to survive and squeeze out of every paycheck that goes out of your account.

For such situations, it is better to close your account rather than taking up a new line of credit. Closing the account provides a number of advantages which can be of great help to borrowers who find it difficult to keep up with the payments on credit cards. Here are some of the benefits that can be availed by borrowers:

* Closing the account helps borrowers reduce the number of credit card debt payment that they have to make every month. As mentioned earlier, when borrowers pay a few percentage points more interest, the amount they owe increases. This means that the amount they have to pay every month is increased. If you have an account with considerable outstanding balances, then closing it can be quite helpful.
* Borrowers with higher debts usually pay a high rate of interest. Paying off substantial portions of outstanding credit card debt is one of the best ways to rapidly improve credit ratings. It also helps borrowers to quickly recover from any financial problem. A large portion of your credit card debt does carry some of the industry s highest interest rates. However, paying off a significant portion of this debt quickly is one of the best ways to rapidly improve your financial ratings.
* Credit card debt can affect negatively your FICO score. However, if you regularly use your credit cards, this score will gradually improve. Therefore, in case of credit card debt, it is advisable to close credit card accounts. In addition, it is advisable to manage existing credit limits sensibly.
* Many of the credit bureaus, such as Experian and TransUnion do not disclose important information regarding credit card debt. For example, when a borrower uses trade lines, the payment details do not appear on his credit report. Therefore, it is essential that borrowers check their reports for important details such as trade lines. In this regard, consumers are advised to contact both the credit reporting agencies and the trade lines for accurate and complete details.
* Most importantly, a good strategy is to maintain a consistent and reasonable payment schedule. This will improve your credit score considerably. The credit bureaus and lenders use this information in determining a borrower is credit score.
* When considering interest rates, consumers are advised to choose lenders with low interest rates. While this does not eliminate all options, this can be a great starting point. If a person finds that he is paying high interest rates on credit card debt consolidation loans, he should consider refinancing so as to pay lower interest rates.
* Many consumers use their credit cards to pay for entertainment purposes. Therefore, it is important that a person does not increase his credit card debt. A wise move would be to limit credit card balances. To help reduce the debt burden, it is advisable to first put a stipulation on spending, such that a consumer cannot buy anything more than he can afford.
* For people who are not confident about their ability to handle credit card debt, it is advisable to get a debt consolidation company. This way, a consumer will not only get a better interest rate, but also will be able to pay off the debt within a stipulated time period. It is a good idea to get as much information as possible about the various options that a person has to reduce credit card debt. The Internet is a good source of information. Other sources include credit counselors, friends, and newspapers. These sources can provide an insight as to how different options can be used to get rid of outstanding bills.

Personal Loans Vs Credit Card

When you need quick access to funds, personal loans and credit cards are the most common options. There is no universal answer as to which is the best type of credit – it all depends on your current needs and capacity to repay. Credit cards got a bad reputation, due to people constantly abusing their limits, but they’re not always a bad choice.

Various Aspects to Consider

The very first thing you notice are the interest rates, but that’s not the only thing that matters. Remember that the interest rates on your credit cards can change when the lender feels appropriate; usually, they are only required to notify you a couple of weeks in advance, and that’s all. On a loan, however, fixed rates remain fixed for the entire term. On the other hand, some credit cards have a interest-free period, and, if you manage to repay your debt before that period expires, you will make significant savings.

Credit cards are particularly useful if you’re self-employed, and you cannot get a very good deal on a personal loan. Cards are more flexible, which means you can borrow more one month, and repay more when your financial situation improves, and so on. For people with a fixed monthly income, a bad credit loan may be more suitable, since it’s easier to organize the budget around fixed payments.

The period for which you need to borrow money also plays a significant part in making the best decision. If you need a large amount now, and you want to distribute the repayments over a long period of time, then a loan is naturally the best solution. Of course, the interest rate will continue to accumulate, and therefore the long-term solution is always more expensive; but, since the monthly rates are lower, it’s also easier to cope with it.

Elon Musk says ” Bitcoin will make it ” 5 Things you Need to Know on Bitcoin this Week

Bitcoin may be bruised, but big names are keeping the faith as data shows investors have seized the chance to “buy the dip” on BTC.

The largest cryptocurrency considerably weakened after last week’s implosion of exchange FTX, continues to grapple with the fallout.

In what is becoming an increasingly erratic market, investors are unsure what will happen next as more firms sound the alarm over solvency and regulators step up investigations in the crypto space.

The mood among the majority is intensely fearful, and even some of the industry’s best-known names warn that it has been set back several years as a result of last week’s events.

At the same time for Bitcoin, it is business as usual. FTX is not the first such debacle it has weathered, and under the hood, the network remains as robust as ever.

Cointelegraph takes a look at the factors set to influence BTC price action in the coming days as the average hodler gets to grips with major losses and ongoing volatility.

Crypto braces for fresh FTX fallout

While little is for certain in the current crypto market environment, it is safe to say that FTX and its aftermath is now the number one source of Bitcoin price volatility.

The weekly chart says it all — a -$5,500 “red” candle for the seven days through Nov. 13 to the lowest weekly close since mid-November 2020, data from Cointelegraph Markets Pro and TradingView shows.

*BTC/USD 1-week candle chart (Bitstamp). Source: TradingView*

At the time of writing, BTC/USD is still around that close — $16,300 reappearing as a relief bounce after the pair wicked to just $15,780 on Bitstamp overnight.

*BTC/USD 1-hour candle chart (Bitstamp). Source: TradingView*

The story is far from over when it comes to FTX, as firms with exposure to the exchange and related entities find themselves in trouble.

As such, commentators forecast, there may be repeat performances in the coming days and weeks as the knock-on effects put more and more crypto names out of business.

Exchanges are particularly on the radar, with Crypto.com, KuCoin and others becoming the source of suspicion over liquidity.

On the day, a spike in withdrawal transactions at Crypto.com and Gate.io led to warnings that it may be the latest exchange to see a “bank run” as investors seek to take control of their funds.

Data from on-chain analytics firm CryptoQuant showed 1,500 BTC leaving Gate.io on Nov. 13, with Nov. 14 currently at nearly 800 BTC and rising.

*Bitcoin outflows (Gate.io) chart. Source: CryptoQuant*

More broadly, data showed exchange BTC reserves at an estimated 2.09 million BTC, CryptoQuant noting that due to the turmoil it may not reflect the true state of affairs.

The last time that reserves were so low was in early 2018.

*Bitcoin exchange reserves chart. Source: CryptoQuant*

Bitcoin bounces from $15,700 as Musk puts faith in BTC

Against the backdrop of ongoing uncertainty, making BTC price predictions is thus no easy task.

Turning to the moving average convergence divergence (MACD), analyst Matthew Hyland warned that the BTC/USD 3-day chart was about to repeat a bearish setup, which led to losses both times it appeared in 2022.

“Bitcoin 3-Day MACD is in position to cross Bearish tomorrow for the first time since April,” he wrote:

“It can be avoided if BTC can get positive price action before the 3-Day closes. Previous two crosses in the past year resulted in further downward price action.”

*BTC/USD annotated chart. Source: Matthew Hyland/ Twitter*

Hyland nonetheless noted that after the 2014 Mt. Gox hack, Bitcoin took almost a year to find a macro price bottom after the initial shock.

“It hasn’t even been 11 days since FTX closed up,” he added.

Fellow analyst Il Capo of Crypto meanwhile argued that the market was prepared for a “final capitulation,” which may come sooner rather than later.

This, he said in a series of tweets, would come in the form of a “bull trap” first then firm rejection, sending the market to new lows.

For altcoins, he said, the comedown would amount to “40-50% on average.”

On shorter timeframes, popular trader Crypto Tony feared that even the lowest weekly close in two years might fail to hold as support.

“Nice breakout, but if we cannot hold the swing low at $16,400 then this was just a fake out and we wait for a test lower,” he commented about the recovery from $15,780 intraday lows.

The move came as Twitter CEO, Elon Musk, came out in tacit support.

“BTC will make it, but might be a long winter,” he wrote on the day in a Twitter debate.

*Twitter debate (screenshot). Source: Twitter*

A further short-term price catalyst came in the form of the largest exchange, Binance, opting to create a dedicated recovery fund to help shield businesses.

Quiet macro week sees focus on stocks correlation

The picture outside of crypto further underscores the extent to which FTX has marked a “black swan” event for the industry.

While Bitcoin and altcoins were busy shedding in excess of 25% in days, United States stock markets recovered from losses earlier in the month.

As such, as research firm Santiment notes, there is a clear divergence occurring between Bitcoin and risk assets, this helping to break a correlation that has endured throughout the past year.

“As the trading work week closes, the week’s story is the distinct separation between crypto (after FTX’s fall from grace) & equities,” it summarized in a tweet last week:

“Should $BTC traders’ trust recover after unfortunate events, there is a bullish divergence forming with the SP500.”

*BTC, ETH vs. stocks, gold correlation annotated chart. Source: Santiment/ Twitter*

Markets commentator Holger Zschaepitz additionally noted the widening gap in performance of Bitcoin versus the Nasdaq.

“Gap in weekly performance of sliding Bitcoin, rallying Nasdaq largest since 2020. Crypto universe shrank to the equivalent of 1% of global equities,” part of new comments read on the day.

That decreasing correlation may come at a useful time macro-wise, as U.S. dollar strength makes some erratic moves of its own.

The U.S. dollar index (DXY), having attempted a rebound past 107, failed prior to the Nov. 14 Wall Street open, with the implication that risk assets should rise as a result.

Any return towards recent highs, however, and the picture could swiftly look very different.

The intraday DXY lows nonetheless saw the index return to support not tested since mid-August.

*U.S. dollar index (DXY) 1-day candle chart. Source: TradingView*

Commenting on the longer-term performance, however, popular trading outfit Stockmoney Lizards said that DXY had broken a parabolic curve in place since 2021.

“Correction will be good for Bitcoin,” part of Twitter comments added.

*U.S. dollar index (DXY) annotated chart. Source: Stockmoney Lizards/ Twitter*

“Buy the dip” fever hits as miner sales slow

While many existing hodlers are attempting to withdraw coins from exchanges or figure out how to nurse losses, not everyone is sitting still.

On-chain data suggests that as BTC/USD hit multi-year lows last week, investors both big and small took the opportunity to “buy the dip.”

According to on-chain analytics firm Glassnode, wallets containing between 1 and 10 BTC saw a dramatic increase.

*Bitcoin addresses with 1-10 BTC chart. Source: Glassnode*

The trend also appears to be playing out among the largest hodler cohort, the “mega whales” of Bitcoin. These entities with a wallet balance of 10,000 BTC or more are also growing, and now number almost 130, Glassnode shows.

“Whales are accumulating at a pace never seen before,” popular social media commentator Crypto Rover reacted.

*Bitcoin addresses with 10,000 BTC or more chart. Source: Glassnode*

A group firmly not in accumulation mode at present, meanwhile, is miners. After a sharp reduction in their reserves last week, the BTC hodled by miners tracked by CryptoQuant is still trending downward.

From 1,858,271 BTC on Nov. 8, miners’ reserves now total 1,853,606 BTC as of the time of writing on Nov. 14.

Despite this, reserves remain higher than at the start of 2022, and recent sales amount to an insignificant portion of miners’ overall position.

*Bitcoin miner reserves chart. Source: CryptoQuant*

Sentiment data offers a modicum of hope

Predictably, overall crypto market sentiment took a major hit thanks to FTX — but is it really all that bad?

According to the Crypto Fear & Greed Index, the industry may in fact be taking the slew of bad news in its stride.

Over the weekend, the Index’s score touched a local low of 20/100 — firmly characterizing the market mood as one of “extreme fear.”

That represents a 50% drop versus the peak of 40/100 seen on Nov. 6, marking a three-month sentiment high.

Nonetheless, 2022 has seen much lower scores, with the Fear & Greed reaching just 6/100 over the course of the year.

Should further fallout hit, even a fresh 50% dive from current levels would only take sentiment to the area which normally marks macro price bottoms for BTC/USD — around 10/100.

*Crypto Fear & Greed Index (screenshot). Source: Alternative.me*

ATTENTION , 3 big mistakes you should avoid when trading crypto , futures and options

Leverage and hedging strategies are powerful ways to use derivatives contracts, but traders usually succumb to these three major mistakes.

Novice traders are usually drawn to futures and options markets due to the promise of high returns. These traders watch influencers post incredible gains, and at the same time, the multiple advertisements from derivatives exchanges that offer 100x leverage are at times irresistible for most.

Although traders can effectively increase gains with recurring derivatives contracts, a few mistakes can quickly turn the dream of outsized gains into nightmares and an empty account. Even experienced investors in traditional markets fall victim to issues particular t cryptocurrency markets.

Cryptocurrency derivatives function similarly to traditional markets because buyers and sellers enter into contracts dependent on an underlying asset. The contract cannot be transferred across different exchanges, nor can it be withdrawn.

Most exchanges offer options contracts priced in Bitcoin

BTC

$16,555 and Ether

ETH tickers down

$1,218, so the gains or losses will vary according to the asset’s price fluctuations. Options contracts also offer the right to acquire and sell at a later date for a predetermined price. This gives traders the ability to build leverage and hedging strategies.

Let’s investigate three common errors to avoid when trading futures and options.

Convexity can kill your account

The first issue traders face when trading cryptocurrency derivatives is called convexity. In this situation, the margin deposit changes its value as the underlying asset’s price oscillates. As Bitcoin’s price increases, the investor’s margin rises in U.S. dollar terms, allowing additional leverage.

The issue emerges when the opposite movement occurs and BTC price collapses; consequently, the users’ deposited margin decreases in U.S. dollar terms. Traders often get too excited when trading futures contracts, and positive headwinds reduce their leverage as BTC price increases.

The main takeaway is that traders should not increase positions solely due to the delivery caused by the increasing value of margin deposits.

Isolated margin has benefits and risks

Derivatives exchanges require users to transfer funds from their regular spot wallets to futures markets, and some will offer an isolated margin for perpetual and monthly contracts. Traders have the option to select between cross collateral, meaning the same deposit serves multiple positions or is isolated.

There are benefits for each option, but novice traders tend to get confused and are liquidated due to failing to administer the margin deposits correctly. On the other hand, isolated margin offers more flexibility to support risk, but it requires additional maneuvers to prevent excessive liquidations.

To solve such an issue, one should always use cross margin and manually enter the stop loss on every trade.

Beware, not every options market has liquidity

Another common mistake involves trading illiquid options markets. Trading illiquid options drives up the cost of opening and closing positions, and options already have embedded expenses due to crypto’s high volatility.

Options traders should ensure the open interest is at least 50x the number of contacts desired to trade. Open interest represents the number of outstanding contracts with a strike price and expiration date that have been previously bought or sold.

Understanding implied volatility can also help traders make better decisions about the current price of an options contract and how they might change in the future. Keep in mind that an option’s premium increases alongside higher implied volatility.

The best strategy is to avoid buying calls and puts with excessive volatility.

It takes time to master derivatives trading, so traders should start small and test each function and market ahead of placing large bets.

15 Best Degrees to Make Money in 2022 (Highest Earning)

Although most have been informed that college is a must for anyone, many don’t realize how important it is to look into the best degrees to make money.

If you can plan ahead, you’ll fall into a career that could leave you making over a hundred thousand dollars a year starting out.

These are the top degrees that pay well, and how you can learn your way into a rewarding career with any of them.

15. Engineering Mechanics

Average yearly salary: $93,000

Jobs with this degree: aerospace engineer, sales engineer, senior mechanical engineer

What you’ll learn аbout: to gain this degree, you’ll have to study physics to apply Newton’s laws of motion to real-life problems you’ll face in your career. Your professors will also help you learn how to analyze, design, and build structures and machines.

The jobs available to you will be extremely similar to jobs with a physics degree, as they study many of the same concepts.

14. Petroleum Engineering

Average yearly salary: $94,000

Jobs with this degree: completion engineer, drilling engineer, production engineer

What you’ll learn about: for a Petroleum Engineering degree, you’ll take basic engineering courses and then move on to whichever specialized classes you’re interested in.

These courses range from geology to well drilling, fluid flow, reservoir fluids, petroleum production, and reservoir analysis. This is one of the best paying degrees of its type, especially if you learn negotiate job offers.

Perks of Petroleum Engineering

Job Opportunities – Jobs in this field reflect oil prices and are expected to continue growin
Working in a Hot Topic – Natural fuel is a hot topic that is good to have insight on in modern time
The Ability to Travel for Work – In this role, you can work in many major states and enjoy travel
Intellectually Engaging Work – You’ll never get bored in this still-evolving field

13. Materials Science

Average yearly salary: $94,000

Jobs with this degree: analytical chemist (also a great way to make money with a biochemistry degree), biomedical engineer, geotechnical engineer

What you’ll learn аbout: to gain a bachelor’s degree in engineering and materials science, you’ll have to show you understand how to apply advanced engineering and science principles to varied materials like metals, ceramics, or glass so that you can develop new or better products.

This is an interdisciplinary field that requires an understanding of various areas of engineering and science.

12. Computer Science

Average yearly salary: $96,000

Jobs with this degree: software developer, web developer, user interface designer

What you’ll learn аbout: computer science courses help you thoroughly understand calculus, and other relevant math courses, alongside the theories, operating systems, programming languages, and data structures you’ll need to know to succeed.

This is an incredibly information-dense degree, and at times the most important thing you can learn is how to research and find answers to problems.

Check out these top side jobs for software engineers and computer science majors if you’re not ready for full-time career quite yet.

Trend on the Rise

According to the Bureau of Labor Statistics, the average job market grows around 7% per ten years, yet computer science is expected to grow by 22% between 2020 and 2030. This degree offers tons of jobs that are quick to hire and pay well right out of the gate.

11. Mechanical Engineering

Average yearly salary: $96,000

Jobs with this degree: automotive engineer, maintenance engineer, construction engineer

What you’ll learn аbout: in the course of getting this degree, you’ll learn about energy and motion, as well as thermal, solid, and fluid mechanics.

In a mix of lab work and information studying, you’ll have to develop problem-solving skills so that you can design and evaluate products while you work with them.

You can even supplement your income with one of these best paying side gigs for mechanical engineers.

10. Materials Engineering and Materials Science

Average yearly salary: $97,500

Jobs with this degree: manufacturing systems engineer, management consultant, higher education lecturer

What you’ll learn аbout: if you want a thorough understanding of multiple disciplines, this is the best degree you’ll find.

Not only will you learn about scientific structures, properties, and processes, but you’ll also learn about the performance of materials.

Through this degree, you can pick classes and modules that relate specifically to what interests you and what you’ll want to pursue as a career.

Tactic for Success

A large part of the job in materials engineering is confidence and commercial awareness. Work on being both convincing and confident when stating your findings, and you’ll be able to succeed in this job market.

TOP 10 Best Paying Jobs in the World

Looking for a new career path? Are you interested in starting fresh and going after a new job title? Maybe you are just curious to see what other positions are paying around the country? No matter what your interest level or what kind of job you have or would like, this is a list of the top 10 best paying jobs in the World. It spreads across several industries and offers you a real insight as to what is offered out there and what kinds of potential there is, if you are interested in a potential career change.

10. Software Developer

A software developer has one of the higher average salaries on the list outside of the medical field, although it does tap out a bit higher than some other industries. The national average for this position is $86,000. Someone starting out in the career is likely to receive a beginning salary of around $55,000. The maximum salary depends on several factors, ranging from company and experience to location. The national average for maximum salary is $125,000, although it is possible to earn much more than this. Bloomberg pays its top software developers $179,000, with Oracle sitting close by at $173,000. It just depends on where someone works.

9. Air Traffic Controller

A qualified, FAA air traffic controller has an average salary of $138,871. Now, it does vary based on location. Naturally, larger airports with more inbound and outbound flights requires more attention, which in turn increases the average salary. Those just starting off in the field can expect a salary of around $51,000 while that can boost up to nearly $200,000. It is a very stressful job and hundreds of thousands of lives are in the hands of these people every single day. Of all the professionals on this list, more lives are dependent on a quality air traffic controller than anyone else.

8. Sales Manager

Now, this selection can vary. A sales manager at some retail outlets might earn significantly less than other positions for different companies. There are many more variables associated with it. The average salary is much different (and much lower) than the air traffic controller position. With a national average of around $71,000, it is a nice amount, but around half of the air traffic controller, with more range. The typical sales manager may max out closer to the average of the traffic controller at about $146,000. However, this position takes the nod as there is the potential to exponentially earn more. In the right company, there is no limit, especially if it is a commission based position. This is why it takes a higher ranking than the previous selection.

7. Financial Manager

The financial manager falls into the same basic category as a sales manager. Lower national average than air traffic controller, but can earn exponentially more. The national average is $103,500 for the upcoming year. Someone just starting off in the field can expect to earn $76,000. The typical max sits at around $133K, but again, depending on the company and commission caps, a financial manager can continue to make more and more.

6. Petroleum Engineer Salaries

These oil based engineers have an excellent entry level income if around $86,000. This is one of the larger entry level salaries in the industry (Chevron, for example, pays an entry level of $90,000 for petroleum engineers while BP starts out at $94,000). The national average salary for petroleum engineers is $109,620, and the top earning amount, while again it does vary has a national average of $150,000. When looking at specific companies, BP has a top average of $208,000 while Exxon Mobil pays $216,000 for a maxed salary amount.

5. Airline Pilots

The starting salary for an airline pilot is right around $46,000. These pilots tend to fly the smaller, commuter routes while they gain in flight hours. As they are upgraded to larger passenger jets, their salary grows along with it. The national average for airline pilots sits at around $121,914 for the upcoming year. The maximum though shoots up significantly, although this is based on the airline. Delta tops out its pilots at around $215,000 while United tops out around $250,000. There are different variables at play, but an experienced airline pilot can earn a considerable amount of money.

4. Architectural and Engineering Managers

These professionals can range greatly in terms of final salary. The average, median salary for both fields is $118,600, with most starting out at about $86,000. Now, this is just the salary and not bonus or benefit based. Many of these individuals receive sizeable bonuses when work is completed on tim or below budget. Before including all of these additional elements, the top earners in the field bring in over $170,000. As for bonuses, the average salary can jump then to around $120,000, although it does depend on where someone works.

3. Dentist

The top three positions on this list are all associated with the medical field. More education and field experience is typically required over the other positions, although each field on this list requires very specific educational degrees. As for a dentist, the average dentist makes $133,780. It does have one of the highest entry level salaries of anyone at $102,000. Now, as for maximum salary, in this field it can vary wildly. If someone owns their own practice, there really is no limit. The national average for maximum earning amount is $173,000, although there are so many variables and factors at play here, it can be much higher.

2. Surgeons

These top two positions have, far and away, higher salaries across the board over everyone else. A surgeon has an average, national salary of $355,800 going into next year. Those doctors just starting off as surgeons make $250,900 while the top of the line surgeons in terms of money making bring in just under $500,000. Of course, there are specialty surgeons who are in more demand and can make over $1 million, although that does just vary. Location has more to do with this than anything else.

1. Anesthesiologists

Personal Injury lawyer

A Free Consultation With a Personal Injury Lawyer

In order to bring a personal injury lawsuit, you must prove that you were harmed by the defendant’s actions. Such harms include medical bills, lost wages, and pain and suffering. In many cases, personal injury lawsuits are complicated because of comparative fault. Insurance companies may try to point out evidence that shows you were partly at fault, but an experienced personal injury attorney knows how to respond. Your attorney can also help you decide how much compensation you should be awarded.

Career makeup of a personal injury lawyer

A career in personal injury law can be a rewarding and fulfilling choice for attorneys who are dedicated to helping others. The field provides attorneys with financial security and the flexibility of working for themselves, without the stress of long court appearances. A personal injury lawyer must have a passion for the work and a desire to succeed. Despite the many challenges, a personal injury attorney must persevere and believe that one day, he or she will secure a high-dollar settlement or verdict for a client.

A personal injury attorney investigates the scene of an accident and photographs and interviews witnesses. They then review insurance policies, communicate with insurance companies, gather and analyze evidence, and contact expert witnesses. They may also litigate cases to a conclusion, if needed. The amount of money that a personal injury attorney can recover in a case depends on the type of claim. Injury attorneys may seek general damages or punitive damages.

Qualifications for becoming a personal injury lawyer

The process of becoming an attorney is the same from state to state, but the qualifications for a specialty of personal injury law vary significantly. Check with your state’s bar association for specific details. You may be interested in learning more about the MPRE test, which measures your understanding of professional conduct. Afterward, continue your education to maintain your bar status and stay on top of changes in the legal field. Several law schools offer internships to assist students in their career preparation.

A bachelor’s degree is a prerequisite for this career path. In order to become a personal injury lawyer, you must have a bachelor’s degree from an accredited college or university. Most pre-law students major in political science, psychology, sociology, or similar fields. There are also certification programs offered by national boards. After completing these courses, you’ll need to pass the bar exam. You can also work in a small firm before you take the bar exam.

Compensation offered by a personal injury lawyer

A personal injury lawyer can help you get the compensation you need if you were injured in an auto accident. The type of compensation you receive will depend on your injury. Economic damages are the monetary costs associated with the accident, such as medical bills and property damage. Non-economic damages are more subjective, but may still be recoverable. A personal injury lawyer will work hard to win you a fair settlement or jury award.

A personal injury lawyer may employ an investigator on the behalf of a plaintiff. These investigators may be retired cops or professionals who specialize in investigating personal injury cases. A personal injury attorney may also have business relationships with medical experts who agree to provide their services in exchange for a lien on a future settlement. When an accident occurs, many victims only think about the immediate effects of the incident. They may have medical bills piling up, need to get their vehicle repaired, and need to deal with the insurance company’s aggressive claims adjuster.

Free consultation with a personal injury lawyer

A free consultation with a personal injury attorney is like the first date with a new partner. You can ask questions and get to know each other, but you should not feel pressured into hiring the first lawyer you meet. After all, a lawyer will be working with you for months, or even years. After all, you want to feel comfortable enough to trust them with your case. Here are some questions to ask during a free consultation:

Evidence is crucial to winning a personal injury case. You need to have proof of injury and financial losses to win your case. During the free consultation, your attorney will review any documentation that you have, including any medical bills, discharge instructions, and prescriptions. You may also need to submit your pay stubs to prove that you have lost income, if applicable. Photographs of the accident scene or any other evidence may also be helpful to your case.