Properly Installed Car Seats Can Help Keep Your Kids Safe On The Road

Car accidents are a substantial part of any personal injury lawyer’s business, including that of leading Toronto law firm Neinstein & Associates. While people from every age group and across the majority of countries are impacted by car accidents, one of the most at-risk demographics is young children.

As Dr. Elaine Cox writes for U.S. News, improperly installed child seats contribute to the disproportionate number of car accident injuries affecting children:

The statistics are startling: Accidents involving cars are the leading cause of preventable injury and death for U.S. children. Six teens ages 16 to 19 die in motor vehicle-related incidents every day in this country. For a task that is done daily by millions, the stakes are extremely high.

The journey begins in the hospital parking lot. The world has come a long way with regard to infant safety, and nowhere is that more apparent than in the ordeal of getting the appropriate car seat in the proper position for the grand drive home from the hospital at 2 days of age. Many car seats have multiple points of restraint and can seem like they require an engineering degree just to drive a few miles home. The truth is, installing an infant car seat is quite a feat: An estimated 73 percent of them are not used properly. It may be worth a dry run, practicing before you are in the hospital parking lot. There are online resources and programs such as Safe Kids now offered throughout the country to help with the great challenge of baby’s first car ride.

Not only does the improper installation of child seating contribute to injury totals, it also limits liability to seat manufacturers. The United States’ National Highway Traffic Safety Administration recently found that more than half of parents fail to properly install their baby seats.

Ephrat Livni of FindLaw.com explains why properly installing your child’s seat matters for liability purposes:

Improperly installing your baby seat is a big problem in case of an accident, not only because it severely increases risk to your kid. It is also likely to limit manufacture liability for the malfunction. Say your child is injured and you believe it is due to a defective car seat but it proves to be because you failed to install properly, then negligence on the part of the manufacturer is mitigated by your own negligent seat installation.

Properly installing your child’s car seat can make the difference between life and death. In fact, the Insurance Institute for Highway Safety has uploaded videos highlighting the stark difference in protection an incorrectly seat offers, as opposed to a correctly installed seat:

Being injured or losing a family member in a car accident can be a devastating experience, but never more-so than when a child or young person is involved. In the unlikely and unfortunate event that your child has been injured in a car accident, it is important to contact a personal injury lawyer like Neinstein & Associates to assess a potential personal injury claim. You may be entitled to compensation.

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Home Mortgage Loan – How to Increase your chance of getting approved?

When planning to apply for a home mortgage loan, you have to make sure that you do everything to increase your chance of getting accepted. In this article, we will discuss the things you can do before submitting your home mortgage loan application.

Pay attention to your credit score

Your credit score can significantly affect the approval of your loan. Every lender has a required minimum credit score that should be met. If you fail to meet the eligibility requirement, then there is a slim chance for you to get approved. If you wish to apply for a home mortgage loan, you have to spend some time working on your credit record, especially if you have a not so stellar rating. Pay your bills on time. If you have many debts, try to consolidate them and lower them if possible. Make sure you fix any errors on your credit report.

Have an ample cash

Lenders require down payment, and the amount varies depending on the kind of loan. If you want a small monthly mortgage, then pay a high down payment. Aside from the down payment, an additional fund is needed to cater related cost such as closing cost, home inspection, credit report fee, and the likes.

Have a stable job

Having a steady job guarantees the lender that you have the financial ability to repay the loan. Any changes in your employment status and income as a whole can significantly affect the mortgage process.

Pay your existing debts

Having a lot of credit from different lenders can categorize you as a risky borrower. There will be a slim chance for your loan to be approved and if it is approved, the interest rate will be higher. As much as possible, you have to do your best to pay your existing debts or at least owe less to your creditors.

Get pre-approval

It will be an advantage if you get a loan pre-approval as it gives an idea as to what you can realistically afford. Choose a loan that perfectly fits your budget and financial situation as a whole. Know what you can afford and stick within your means.

If you are looking for a home mortgage loan, feel free to consider the Freedom Mortgage Corporation. It is one of the reputable names in the lending industry in the United States. It has been serving the American people for over 25 years now. Visit this site https://www.freedomspg.com/ to know more about Freedom Mortgage.

 


How to avail poor credit mortgage loan?

A lot of people apply for a mortgage loan when making a big purchase such as buying a home. There are so many home mortgage loan lenders out there, and each of them has a particular set of eligibility requirements that should be met. Ideally, you should have a stellar credit rating to get approved. However, it does not mean that if you have a poor credit record, your application will be automatically rejected. Poor credit mortgage loan is possible, and a lot of lending institutions cater to such borrowers. If you wish to take advantage of bad credit mortgage loan, then consider the following guides:

Be prepared to pay a high down payment

If you have a low credit score, you can still be approved for mortgage loan provided you pay a large down payment. Lenders usually require 5% down payment for credit score below 600. If your score falls below 580, then you will be needed to make 20% down payment. The down payment requirements vary from one lender to another. If you make a 20% down payment, there will be an added advantage because you avoid paying the private home insurance.

Get pre-approval

To make the process easy, you should get a pre-approval loan. There are a lot of online lenders that will screen you for pre-approval. Just make sure you will be honest with the information you provide to them. Based on the results, you will be able to find out the amount you can borrow and adjust your budget accordingly.

Be honest with your application

Honesty is a big word when applying for a mortgage loan. If the lender finds out that you are not telling the truth, then they will lose their trust on you. When filling out the application form, you have to make sure you put the correct information. Wrong information will not only lose the lender’s trust but will also delay the approval of the application.

The processes involved in applying a mortgage loan are the same, although some lenders have stricter eligibility requirements than the other. If you want to request a mortgage loan, then you have to work on your credit standing. Do the necessary credit repair or else you will end up getting a less-desirable mortgage.

The Freedom Mortgage Corporation is one of the names you can trust when it comes to different types of mortgage loans. It is a lending company that has been serving the American people for more than 25 years. Should you wish to learn more about the different mortgage options offered by the firm, visit this site https://careers-freedommortgage.icims.com/.


How to proceed with your wrongful death lawsuit

Among all varieties of personal injury lawsuits, wrongful death claims are not particularly common. Because of their complexity and cost, these wrongful death claims are an exhaustive process not just for the personal injury lawyers involved (such as Toronto’s Neinstein and Associates) but also for the family and friends of the deceased.

In some cases, wrongful death lawsuits can also bring a huge amount of publicity, such as during the civil lawsuit brought against OJ Simpson, or in the case of the wrongful death suit filed against Porsche by Fast and Furious star Paul Walker’s daughter:

In Ontario, where Neinstein & Associates practice, there have been a number of wrongful death lawsuits over the past several years. Preszler Law Firm recently listed a number of them that give a pretty clear idea of how a wrongful death case may proceed. For instance, the case of Michelle Vokes:

On July 31, 2006, Michelle Vokes, nine months pregnant, was driving in Owen Sound when a speeding driver struck her car. The driver, Randall Palmer, survived, but Vokes and her unborn child did not. Vokes’ husband, Bradley, sued Palmer for the loss of his wife, unborn child and loss of support for himself and their two older children, ages 5 and 3.

The Vokes family received a settlement of $117,000 for the 5-year-old, $135,000 for the 3-year-old and $90,000 for Bradley Vokes for their losses. The settlement was to cover the loss of care, guidance and companionship. At the time, the case settled, the Vokes children had received one of the largest wrongful death settlements paid to a child for the loss of a parent in Ontario history.

Although many wrongful death suits arise from car accidents, some may be related to violent crime. Preszler also described the case surrounding the death of 30-year-old Michael Brewer in 2012:

On May 23, 2012, 30-year-old Michael Brewer was found beaten to death at the St. Joseph West 5th campus on the Mountain. Brewer was a schizophrenic and psychiatric patient at the facility when he was allegedly attacked and beaten by a fellow patient, Tyler Valcheff.

Brewer’s parents filed a wrongful death claim against St. Joseph’s Healthcare Hamilton, the center’s president, Dr. David Higgins, the head of forensic services, Gary Chaimowitz and Valcheff. Their lawsuit claims more than $260,000 in damages and alleges that their son’s death was caused by St. Joseph’s negligence in providing sufficient security.

As FindLaw.com tells us, there are several important points to prove if you wish to be successful in your wrongful death lawsuit:

To prevail in a wrongful death suit, the plaintiff must show four things:

  • The death of a human being.
  • That death was caused by the negligence of another or with intent to cause harm.
  • There are surviving family members who experienced monetary injury as a result of the death and can be compensated.
  • A personal representative of the decedent’s estate has been appointed.

Some of these elements are straightforward. The death of another should be easy enough to prove — but what is more complicated is showing that the death of another was caused by the defendant’s negligence. Causation is always the most complicated aspect of any negligence claim, as it is made up of two parts, actual and proximate cause.

To show causation, a plaintiff must prove that the defendant’s negligence actually caused the death and that any other was occurrence that contributed to the circumstances was reasonably foreseeable. For example, it is reasonably foreseeable that weather might get bad and that a plane may crash as a result. Airlines are expected to have contingencies for that.

It is not, however, reasonably foreseeable that a space ship would crash into an airplane. If your wrongful death claim is based on that occurrence, you may have more trouble proving fault than when death is associated with a more commonplace event.

No matter the circumstances surrounding your wrongful death lawsuit, it is important to speak to an experienced personal injury lawyer such as Neinstein and Associates.


Real Estate Investing Offers A Wide Variety Of Choices

The real estate investment world is so large and diverse that you can get lost very quickly without choosing a niche, networking yourself, learning continuously and making a commitment to growing your business. You want to take the right approach, have a solid plan and focus on what you need to know. It’s not a business that requires an expert, and it’s far from a company that is boring or monotonous.

Real estate investing is a fast-paced environment, yet you also have to make very calculated moves. The wrong choice can cost you thousands if you’re playing the real estate game a certain way. Novice investors shouldn’t bite off more than they can chew as this can be a very foolish move. Instead, look at how you can grow your money and build wealth while investing in real estate a little at a time.

You don’t have to take huge risks to find those big payoffs, and no one said you have to flip any properties. You can leverage your assets and finances in the right ways and start a rental income tax liensbusiness if you choose.  It’s a good idea to find a mentor that can help you get going strong.

Especially when buying certain types of properties, you’re going to want to think about having an attorney on your side. They can figure out so many different kinds of legalities for you, such as tax liens and the likes. The benefits are greater than the costs.

Every type of investment property is going to have different factors when you’re figuring in the costs and associated profits. Always be conservative when crunching your numbers, and make sure you don’t leave anything out. If the deal looks good, and you’ve been over it several times, then run it by your attorney to make sure.

It can also be helpful to be networked with a few real estate investors that can help you keep an eye out on property listings. No matter how immersed you are in the real estate investment world, you can find agents that are more networked than you are. In other words, there are people that have been in the game longer or that can get you information on new geographical areas if you want to expand your real estate investment portfolio.

Always know what to pay attention to when you’re looking at neighborhoods for investment properties. There are people that overlook certain things, just like people do when they are buying a home for themselves. You can get burned even more when you’re talking about properties that you are trying to sell or rent out to other people.

One way to invest in real estate without having to flip a property or be the landlord and property manager is to think about joining a real estate investment group. These groups ease the load that you take on while still providing a return if the group is making sound investment decisions. Of course, you get to decide if you want to be in on the investments that they make.

You can also get into real estate investing as a day trader or even buying and holding real estate stocks. This requires a particular type of investor, but it fits the kind of person that likes to flip those real estate investment properties.

There is also real estate investment trusts that you might want to consider and other choices as well. How can you leverage your assets and join the real estate investment market without putting yourself at too much risk? There are some great opportunities out there if you know where to find them.

Recommended Mentor: www.crunchbase.com/person/dean-graziosi


Dean Graziosi’s Real Estate and Foreclosure Profits

Dean Graziosi is a real estate authority. Throughout his career, he has written several best-selling books that aim to help both novice and seasoned real estate investors. Real estate is a broad industry, and you can make an enormous amount of money as long as you know what you are doing. Without proper real estate knowledge, you will end up wasting your time and money. One way of growing your knowledge about real estate is by investing in a book, training, and other reading materials authored by real estate experts. Dean Graziosi can give you the best real estate investing foundation. Dean teaches his students the ins and outs of real estate so that you know what to do once you go live.

Aside from Dean’s best-selling real estate books, he also offers a real-estate mentorship program. If you wish to follow his footstep and achieve the same level of success that Dean is currently

Dean Graziosi with Brianna

enjoying right now, then you should make a smart choice and be one of Dean’s real estate successors. If you are not yet decided as to have a mentorship program with him, then you can start with his book. Begin with his Real Estate & Foreclosure Profits. It is a book that teaches you ways on generating profits from a foreclosed property by simply capitalizing on the market cycle.

Dean Graziosi is a self-made man. He experienced the difficulties of life at a young age. Through real estate investing, he became successful and took full control of his life. He is a living proof of a rag to riches story. He owed the success that he has right now in real estate. Hence, he feels like it is time for him to give back. The books, products, and mentorship programs offered by him are designed to help real estate investors of all levels.

Additional Resources: Foreclosures on Zillow http://www.zillow.com/foreclosures/

Dean’s Weekly Wisdom


Injured by contaminated food? Call a personal injury lawyer today.

Dole Food Company, the largest producer of fruits and vegetables on earth, recently issued a recall for packaged salads that is spanning several U.S. states and Canadian provinces. Several cases of listeria, including one fatal case, have been linked to the salads, originating from Dole’s Springfield, Ohio facility.

Fortune.com outlines the situation:

The CDC said it received reports of the listeria outbreak from Indiana, Massachusetts, Michigan, New Jersey, New York, and Pennsylvania, starting July 5.

Although an investigation into the recent listeria outbreak began in September, the source of the illnesses was not clear until January when tests linked it to packaged salad produced at the Springfield facility, CDC said on Friday.

There is no evidence to suggest that packaged salads produced at other Dole facilities in the U.S. are linked to the illness, the CDC added.

At least one outbreak of the life-threatening bacterial infection has been recorded every year since 2011, primarily linked to prepackaged foods and dairy products, according to the agency’s website.

Dole has halted production at the facility in question.

While chances of being affected by a listeria outbreak are incredibly slim, there are instances in which you may be able to hire a personal injury lawyer like Neinstein & Associates to seek compensation for injuries related to contaminated food. FindLaw.com specifies:

Foodborne illnesses can be very serious, leading to expensive medical bills and time away from work. Fortunately, victims of food poisoning can recover compensation for their medical expenses, lost wages, and pain and suffering by filing a lawsuit against the companies responsible. A great first step in this process is to contact an experienced product liability lawyer for a free claim evaluation.

It is in food production companies’ best interest to avoid these circumstances by issuing recalls if there is any chance that their product could injure a person. FindLaw elaborates:

When there is a reason to believe a food product may cause illness in consumers, that product (either the entire stock or just a particular batch) may recalled, or pulled from the shelves. Food recalls typically are initiated by the manufacturer or distributor in response to credible complaints, but also may be requested by the U.S. Department of Agriculture (USDA) or Food and Drug Administration (FDA).

Anything resulting in illness or which may be misleading to consumers can trigger a recall. While the initial news of the recall certainly doesn’t help the company’s image, taking swift action not only protects consumers but also can help minimize the cost of the recall and work toward regaining customers’ trust. The FDA and the USDA both have the authority to stop distribution and sale of tainted foods, but so far have not had to do so.

If you have suffered an injury as a result of consuming contaminated food, you should contact a personal injury lawyer like Neinstein & Associates today. You may be entitled to compensation.

If you’d like to learn a little bit more about food recalls in Canada, have a look at this infographic, courtesy www.osler.com:

Food-Recalls-in-Canada-Infographic-page-001


Who is liable when a hacker takes control of your car?

The automotive industry has benefitted greatly from technological advances. Innovations in fuel efficiency, in-car comforts, navigation, and automation have made driving an overall safer and more enjoyable experience. However, with increased emphasis on connectivity and automation comes the inevitable risk of outside influence over your vehicle. “Car hacking,” while not yet a common issue, is one that manufacturers and security teams have their eyes on moving forward.

An IFL Science article from last July summed up the security issues surrounding car hacking:

Yes, you can now add cars to the ever increasing list of things that can be hacked. [Andy] Greenberg is a senior writer for Wired and he had asked two security researchers – Charlie Miller and Chris Valasek – to show him how vulnerable cars are to remote hacking. So, they did just that. The tricks were at first small: The hackers sent a picture to his dashboard’s digital display. Soon after, they cut his brakes. No wonder the experiment had quickly “ceased to be fun” for Greenberg. The car eventually ended up in a ditch.

The hacking technique is described as “a zero-day exploit.” Security experts were able to target the Jeep Cherokee that Greenberg was driving and get wireless control of the vehicle – all from the comfort of their own home. Miller and Valasek were able to hack the car through its Uconnect infotainment system and run their own code. And herein lies the problem with Internet-connected entertainment systems like Uconnect, which are installed on dashboards to improve usability and entertainment.

Wired also uploaded a quick video of Greenberg’s experience on YouTube!

Clearly, the prospect of car hacking raises concerns for law enforcement and car manufacturers, and may impact the business of personal injury lawyers like Toronto’s Neinstein & Associates.

However, today personal injury issues surrounding car hacking are still fairly nebulous. Christopher Coble, Esq. recently wrote a blog post for FindLaw.com looking at some possible liability scenarios:

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Car accident liability starts with the driver, so you would need to show that your car was definitely hacked and that you took all the necessary precautions to keep from getting hacked. For instance, in response to the Jeep hack, Fiat Chrysler Automobiles recalled 1.4 million vehicles to deal with “remote manipulation” of connected vehicles. If you were aware your car was vulnerable to hackers and didn’t abide by the recall or take steps to prevent it, you could be on the hook in an accident.

Hackers

The hackers themselves could face civil and criminal liability for causing an accident. Nearly every state has computer crime laws that make accessing secure networks and computers a crime. In addition, if the accident resulted in injuries or death, the hackers could be charged with reckless endangerment or more serious offenses.

Hackers could also be sued for damages under theories of recklessness or for intentional torts. Of course, applying criminal or civil liability to the presumed car hackers would mean somehow tracking them down in the first place, which may be difficult.

Car Manufacturers

Finally, auto makers themselves could be held liable for accidents if they knew or should have known their cars could be hacked. Product liability holds companies responsible for keeping consumers safe from potential hazards. In this instance, Fiat Chrysler was quick to recall cars as soon as it learned of the vulnerability. But if an accident occurred first or happens with another hacked vehicle, and the company making and selling the car had any idea of the hacking vulnerability, it could be held liable for the accident.

Even if car-hacking accidents are likely a thing of the future, car accidents are still a primary source of personal injuries in North America. If you’ve been injured in a car accident, you should immediately contact Neinstein & Associates in Toronto. They can help you assess your prospective case.


Safety tips for winter driving

As we mentioned in an earlier post, car accidents are a leading cause of injury in North America. During the winter, car accidents become far more frequent due to decreased visibility, darkness, and slippery conditions. The personal injury lawyers at Neinstein & Associates can help you deal with the implications of winter driving accidents. In order to help you avoid this scenario, Christopher Coble, Esq. has provided some important tips to keep you out of trouble on icy winter roads over at the FindLaw.com blog:

Before you hit the highway, you should run a complete check on your car. Make sure your battery is good, your tire tread is deep, and your windshield wipers are functional. You should keep your windows clear, use no-freeze fluid in your window-washer reservoir, and make sure you have enough antifreeze.

You should also have an emergency kit in your vehicle. At a minimum, make sure it includes a flashlight, jumper cables, and a snow brush and ice scraper. You may also want to include some abrasive material (like sand, kitty litter, or even spare floor mats), a shovel, flares, water, and blankets in case you get stuck in the snow or stranded.

Once you’ve thoroughly checked your vehicle, it’s time to hit the road. While driving in inclement weather, there are a number of things to keep in mind. Michael Henry of Howie, Sacks & Henry provides an important list:

  • Do not drive when fatigued or tired.

  • Check weather conditions before you head out. Ensure that you are dressed properly in the event your vehicle does break down.

  • When planning your arrival time, take into consideration slower traffic due to adverse weather condition. Leave early. Do not rush.

  • In reduced visibility, drive slower and with greater caution.

  • Don’t leave your cell phone or other electronic devices in your car. Leaving electronic devices in the car will cause the battery to decline faster and it may even freeze.

  • Always clear all windows of ice before departing. Do not drive with icy windows. Clear snow from entire car so that it does not fly off while driving creating a hazard for other drivers.

  • It is a good idea to have a safety kit in your car. Some other things you should have are: sand, a snow brush and ice scraper, booster cables, warning lights (flares), extra windshield wiper fluid, a flash light, a blanket, extra hats and gloves. A few snacks are always handy.

Stay alert at all times. Black ice is potentially everywhere. It is a good idea to take a refresher course on safe winter driving practices and techniques. Getting proper snow tires may save you money as many insurers offer a discount on your insurance premium. A properly maintained vehicle will avoid break downs. Most of all, slow down and be extra cautious.

These tips are summed up well in the below video from YouTube user Scott Newell:

By far the best way to avoid winter driving accidents is to stay off the roads in poor weather. However, this is not always an option, and if you find yourself injured despite taken the above precautions, you should contact the personal injury lawyers at Neinstein & Associates as soon as possible to review the potential for a case.

Additional Resources:

https://www.youtube.com/user/neinsteinassociates