#Product Liability Cases Attorneys in Kentucky
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breenwillifordinjurylaw · 2 years ago
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LIABILITY IN LAWSUITS BASED ON DANGEROUS AND DEFECTIVE PRODUCTS
LIABILITY IN LAWSUITS BASED ON DANGEROUS AND DEFECTIVE PRODUCTS
Many of the personal injury claims that arrive in Kentucky courts are based on the alleged negligence of responsible parties and the causal relationship that the negligence has to other parties’ losses and injuries.
For example, when a driver runs a red light and crashes into another vehicle and causes that vehicle’s driver to suffer physical injuries and property damage, the victim may sue the driver for their damages.
Similarly, when a company makes a dangerous product and that product harms a consumer, that consumer may sue the company for any damages that they incur.
Personal injuries sustained from dangerous products can be serious and can leave victims with long-term pain and suffering. Lawsuits are an option for those who wish to litigate their claims and who wish to receive judgments that carry with them options for enforcement.
When the victim of a products liability claim is preparing their pleading, they should be aware that their list of defendants may be significantly longer than they originally presumed.
Many victims may only think to sue the seller who provided them with the opportunity to purchase the dangerous product that hurt them. However, more parties should be considered. The manufacturer of the product, entities that provided components for the product, wholesalers, distributors, and retailers, may all be included as possible defendants in products liability claims.
When a dangerous product is put on the market any party in the chain of distribution may potentially hold liability for the harm it causes to consumers. Products liability claims can be complex personal injury cases and victims of these preventable forms of harm can benefit from working with dedicated personal injury attorneys.
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justicestartshere · 5 years ago
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HOW WILL COVID-19 AFFECT MY CASE
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The Coronavirus has disrupted lives all over the world. While many Americans have been asked to stay home, accidents can still happen,and legal needs still need to be met.
Here at Hendy | Johnson | Vaughn | Emery our goal is to continue to provide the same level of quality legal services as we always do, while protecting both our clients and our team. To help ease your worries, we’re answering some of the top questions we’re receiving related to COVID-19.
Is My Case Still Moving Forward?
Yes. For over a month, our teams have diligently been working remotely. We are working on our cases and available to our clients by phone and email. We are committed to providing the same level of support and communication as we regularly do.
For those cases requiring court dates and trials, unfortunately we will need to wait until the courts resume to resolve your case. Please know we are monitoring the state’s updates and will inform you as soon as the courts reopen.
Are You Accepting New Clients?
Yes. As mentioned, we are still operating and are available to serve your legal needs. We urge you to fill out a case evaluation so a member of our team can be in touch with next steps.
If you are currently working with a legal team who cannot represent you during this pandemic, please don’t hesitate to reach out. As mentioned, we have the resources and capabilities to seek justice remotely and would be happy to review your case.
Here for you when you need us.
If you need legal assistance, our team of experienced injury attorneys can be reached at 888-606-5297 and 859-578-4444 or by email at [email protected].
Be well and please continue to be safe!
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donniebrooke · 3 years ago
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Department of Justice
Office of Public Affairs
Wednesday, September 2, 2009
Justice Department Announces Largest Health Care Fraud Settlement in Its History
Pfizer to Pay $2.3 Billion for Fraudulent Marketing
WASHINGTON – American pharmaceutical giant Pfizer Inc. and its subsidiary Pharmacia & Upjohn Company Inc. (hereinafter together "Pfizer") have agreed to pay $2.3 billion, the largest health care fraud settlement in the history of the Department of Justice, to resolve criminal and civil liability arising from the illegal promotion of certain pharmaceutical products, the Justice Department announced today.
Pharmacia & Upjohn Company has agreed to plead guilty to a felony violation of the Food, Drug and Cosmetic Act for misbranding Bextra with the intent to defraud or mislead. Bextra is an anti-inflammatory drug that Pfizer pulled from the market in 2005. Under the provisions of the Food, Drug and Cosmetic Act, a company must specify the intended uses of a product in its new drug application to FDA. Once approved, the drug may not be marketed or promoted for so-called "off-label" uses – i.e., any use not specified in an application and approved by FDA. Pfizer promoted the sale of Bextra for several uses and dosages that the FDA specifically declined to approve due to safety concerns. The company will pay a criminal fine of $1.195 billion, the largest criminal fine ever imposed in the United States for any matter. Pharmacia & Upjohn will also forfeit $105 million, for a total criminal resolution of $1.3 billion.
In addition, Pfizer has agreed to pay $1 billion to resolve allegations under the civil False Claims Act that the company illegally promoted four drugs – Bextra; Geodon, an anti-psychotic drug; Zyvox, an antibiotic; and Lyrica, an anti-epileptic drug – and caused false claims to be submitted to government health care programs for uses that were not medically accepted indications and therefore not covered by those programs. The civil settlement also resolves allegations that Pfizer paid kickbacks to health care providers to induce them to prescribe these, as well as other, drugs. The federal share of the civil settlement is $668,514,830 and the state Medicaid share of the civil settlement is $331,485,170. This is the largest civil fraud settlement in history against a pharmaceutical company.
As part of the settlement, Pfizer also has agreed to enter into an expansive corporate integrity agreement with the Office of Inspector General of the Department of Health and Human Services. That agreement provides for procedures and reviews to be put in place to avoid and promptly detect conduct similar to that which gave rise to this matter.
Whistleblower lawsuits filed under the qui tam provisions of the False Claims Act that are pending in the District of Massachusetts, the Eastern District of Pennsylvania and the Eastern District of Kentucky triggered this investigation. As a part of today’s resolution, six whistleblowers will receive payments totaling more than $102 million from the federal share of the civil recovery.
The U.S. Attorney’s offices for the District of Massachusetts, the Eastern District of Pennsylvania, and the Eastern District of Kentucky, and the Civil Division of the Department of Justice handled these cases. The U.S. Attorney’s Office for the District of Massachusetts led the criminal investigation of Bextra. The investigation was conducted by the Office of Inspector General for the Department of Health and Human Services (HHS), the FBI, the Defense Criminal Investigative Service (DCIS), the Office of Criminal Investigations for the Food and Drug Administration (FDA), the Veterans’ Administration’s (VA) Office of Criminal Investigations, the Office of the Inspector General for the Office of Personnel Management (OPM), the Office of the Inspector General for the United States Postal Service (USPS), the National Association of Medicaid Fraud Control Units and the offices of various state Attorneys General.
"Today’s landmark settlement is an example of the Department of Justice’s ongoing and intensive efforts to protect the American public and recover funds for the federal treasury and the public from those who seek to earn a profit through fraud. It shows one of the many ways in which federal government, in partnership with its state and local allies, can help the American people at a time when budgets are tight and health care costs are increasing," said Associate Attorney General Tom Perrelli. "This settlement is a testament to the type of broad, coordinated effort among federal agencies and with our state and local partners that is at the core of the Department of Justice’s approach to law enforcement."
"This historic settlement will return nearly $1 billion to Medicare, Medicaid, and other government insurance programs, securing their future for the Americans who depend on these programs,"said Kathleen Sebelius, Secretary of Department of Health and Human Services"The Department of Health and Human Services will continue to seek opportunities to work with its government partners to prosecute fraud wherever we can find it. But we will also look for new ways to prevent fraud before it happens. Health care is too important to let a single dollar go to waste."
"Illegal conduct and fraud by pharmaceutical companies puts the public health at risk, corrupts medical decisions by health care providers, and costs the government billions of dollars," said Tony West, Assistant Attorney General for the Civil Division. "This civil settlement and plea agreement by Pfizer represent yet another example of what penalties will be faced when a pharmaceutical company puts profits ahead of patient welfare."
"The size and seriousness of this resolution, including the huge criminal fine of $1.3 billion, reflect the seriousness and scope of Pfizer’s crimes," said Mike Loucks, acting U.S. Attorney for the District of Massachusetts. "Pfizer violated the law over an extensive time period. Furthermore, at the very same time Pfizer was in our office negotiating and resolving the allegations of criminal conduct by its then newly acquired subsidiary, Warner-Lambert, Pfizer was itself in its other operations violating those very same laws. Today’s enormous fine demonstrates that such blatant and continued disregard of the law will not be tolerated."
"Although these types of investigations are often long and complicated and require many resources to achieve positive results, the FBI will not be deterred from continuing to ensure that pharmaceutical companies conduct business in a lawful manner," said Kevin Perkins, FBI Assistant Director, Criminal Investigative Division.
"This resolution protects the FDA in its vital mission of ensuring that drugs are safe and effective. When manufacturers undermine the FDA’s rules, they interfere with a doctor’s judgment and can put patient health at risk," commented Michael L. Levy, U.S. Attorney for the Eastern District of Pennsylvania. "The public trusts companies to market their drugs for uses that FDA has approved, and trusts that doctors are using independent judgment. Federal health dollars should only be spent on treatment decisions untainted by misinformation from manufacturers concerned with the bottom line."
"This settlement demonstrates the ongoing efforts to pursue violations of the False Claims Act and recover taxpayer dollars for the Medicare and Medicaid programs," noted Jim Zerhusen, U.S. Attorney for the Eastern District of Kentucky.
"This historic settlement emphasizes the government’s commitment to corporate and individual accountability and to transparency throughout the pharmaceutical industry," said Daniel R. Levinson, Inspector General of the United States Department of Health and Human Services. "The corporate integrity agreement requires senior Pfizer executives and board members to complete annual compliance certifications and opens Pfizer to more public scrutiny by requiring it to make detailed disclosures on its Web site. We expect this agreement to increase integrity in the marketing of pharmaceuticals."
"The off-label promotion of pharmaceutical drugs by Pfizer significantly impacted the integrity of TRICARE, the Department of Defense’s healthcare system," said Sharon Woods, Director, Defense Criminal Investigative Service. "This illegal activity increases patients’ costs, threatens their safety and negatively affects the delivery of healthcare services to the over nine million military members, retirees and their families who rely on this system. Today’s charges and settlement demonstrate the ongoing commitment of the Defense Criminal Investigative Service and its law enforcement partners to investigate and prosecute those that abuse the government’s healthcare programs at the expense of the taxpayers and patients."
"Federal employees deserve health care providers and suppliers, including drug manufacturers, that meet the highest standards of ethical and professional behavior," said Patrick E. McFarland, Inspector General of the U.S. Office of Personnel Management. "Today’s settlement reminds the pharmaceutical industry that it must observe those standards and reflects the commitment of federal law enforcement organizations to pursue improper and illegal conduct that places health care consumers at risk."
"Health care fraud has a significant financial impact on the Postal Service. This case alone impacted more than 10,000 postal employees on workers’ compensation who were treated with these drugs," said Joseph Finn, Special Agent in Charge for the Postal Service’s Office of Inspector General. "Last year the Postal Service paid more than $1 billion in workers’ compensation benefits to postal employees injured on the job."
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pipbabi · 6 years ago
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The rules and regulations for your health care industry have had to become changed over time since the delivery of enormous quantities of radio active materials need endless permission notes and secure transport using non risky routes etc. Around 500,000 packages of radio active materials are transported by road for industrial, medical and research work, most of this work necessitates the parcels quickly and on time, inside the medical marketplace is often it a desperately short time requirement with division of energy employees occupational illness compensation.
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credorllegat1971 · 4 years ago
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state farm insurance montrose pa
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state farm insurance montrose pa
state farm insurance montrose paxton . he had a whole lot of insurance to get through a time he could lose a very serious accident.. I was on a business trip where my husband was thrown in the back of a pickup truck and an he was hit from behind by two vehicles in the driveway in car parked on the left. The driver is now claiming they ran over him. The accident came at a time when he was not insured. His claim is still pending. So our call is being handled immediately and he is asking for his attorney. Our personal insurance is no help so far. I am considering a DUI case which is a lot of money and will have to deal with the people who will be involved. And the case is going to be more expensive. This is not why we even need life insurance. A few years back I was diagnosed with a vascular disease which caused my doctors to declare my status uninsurable. Luckily my life insurance was approved and I was given the chance. state farm insurance montrose paxton in Ohio? With so many choices and insurance available, you don’t need to make your choice by a wide margin. From state required insurance coverage to optional roadside protection, there’s something for every driver on the road. Before you take the bus, take a look at a few things to know about making your auto insurance decision. Ohio takes driver coverage with it, so it makes this one easy. Here are some other states about to try to make sense of the cost of your auto insurance premiums. Nationwide makes it easy for you to find dependable auto insurance in Ohio. We can show you options so you can choose the coverage that s right for your needs, goals and budget. Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range. state farm insurance montrose pa.s., a.s.t., and t. d. S.U. (i.h.) and the following is a table of other insureds: T.S. and T.S.M., s. d. t. H.S.M. (i.h.m. s., s., and m. H.S.M. (i.h.). P.A. and the following is a table of other insureds: T.H.S.M. (i.h.m.a., s. p.a. I.H.S.M. (i.h.) and s. s. g. S.S.P. (r) and s. v. I.A.S.M. (i.h.j. p.a. n. s. v. II.A.S. (1.p.h.s.) and p.a..
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Life Insurance
Life Insurance Company was founded in 1868 and is headquartered in Nashville, Tennessee. Headquartered in Tennessee, the company was initially founded for business to provide commercial insurance. Today, they are committed to providing customers with the best possible product for personal and commercial use vehicles and are driven by innovation and transparency. The insurance division covers a wide range of commercial insurance options, from insurance plans, to commercial liability insurance, personal lines insurance and mobile home insurance. One of the key areas they specialize in is personal truck insurance insurance. One of the biggest commercial truck insurance benefits for the customer is personal truck insurance and personal mobile home insurance are personal truck insurance and personal mobile home insurance p. In addition to personal truck insurance p. Personal truck insurance .
Reviews for Dan Ricci Jr - State Farm Insurance Agent
Reviews for Dan Ricci Jr - State Farm Insurance Agent The State Farm website is maintained copyright protected. State Farm AG is a registered service mark of Heinz Americagarden Insurance Co. All other trademarks displayed are service marks of their insurer, Heinz Americagarden Insurance Co. We do not offer insurance products, but we can help you find similar offers from local insurance agents. Give one of our agents a call to save money on your . Some of our Commercial insurance coverages include Business Owners, Mutual, Workers Compensation, Workers Comp, and Auto Owners. We are proud to be a part of the Heinz family and our office is located near some of the nation’s Big 12 coast areas, like Ohio, Kentucky, Wisconsin, and Pennsylvania. You’re just as safe keeping your money with you as you were when you used them for your personal purchases with our company. We have a wide range of insurance options to fit your needs and are at the level of your cost. You can choose from a variety of.
Insurance Learning Center
Insurance Learning Center” If you have your own car insurance, you will need proof of insurance to register your car. You will need to show proof of insurance for your registration. You can easily see proof in the application process and find out how to get your registration and vehicle registration, but you may also be required to show proof of insurance for registration. In most cases, you can provide proof of insurance within a specific time limit depending on the state. You may have to register for a specific amount of time or it may be postponed or denied. If you do not have your own insurance when registering, proof of insurance or financial responsibility might be required, if you know you will be required to purchase additional coverage prior to registering. Even if you are not required to show proof of insurance, if you have insurance coverage, any time you think you need to buy a policy, you should go out and purchase it before registering your car. A or a certificate stating that you will be required to provide proof.
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Daniel R Ricci Jr Ins Agcy Inc - State Farm Insurance AgentWelcome to a new website where your information is now readily available to researchers. We’re a free information source designed to help people find insurance resources in the US. While we’ll share the primary points you need to know, the source for the information is available through the US Bureau of Motor Vehicles (BMV). We’re well equipped to provide information about insurance products, as well as information to help protect your vehicle. You can also connect with us via our online insurance exchange. The American Automobile Association, also known as the Association of Automobile Association’s major insurance partners, is the nation’s third-largest auto club. Its members collectively own a total of 18.6 million miles and 11.3 million registered vehicles. It is the fourth-largest auto club.
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justicestartshere · 5 years ago
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WHEN TO HIRE AN AUTO COLLISION INJURY LAWYER
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After being injured in an accident, people are often wondering when they should hire an auto collision injury lawyer. As experienced injury attorneys, we can’t how stress how important it is to hire legal representation before you begin negotiating with the insurance companies.
Auto insurance companies have a team of lawyers and adjusters who start evaluating your accident claim immediately. They are always working to find a way to not pay injury claims. You need a team on your side who is capable and ready to take on these billion-dollar insurance companies.
By speaking to our team of auto collision injury lawyers soon after your accident, we can guide you so that you get the best possible outcome in your case. We’ll help you understand what your legal options are and help take on the insurance companies.
Be aware that not all personal injury firms are the same. When facing the insurance companies, you need someone with experience who is representing your best interest. There are many firms out there who are just looking to make a quick settlement. These types of firms are just looking for a high volume of cases.
At Hendy | Johnson | Vaughn | Emery we are here for our clients every step of the way. Our mission is to provide the best possible outcome for your auto collision injury case. We don’t want you to take on the burden of mounting medical bills and unpaid wages alone.
Let us help you seek recoveries for your auto collision, including:
Medical bills and lost wages
Cost for future medical treatment
Amounts for any impairment of your ability to work in the future
Pain, suffering and mental anguish for what you’ve gone through, including any loss of enjoyment of life
Pain, suffering and mental anguish that will continue into the future
If you’ve been injured in an auto collision, contact our team today. We’ll review your case and give you an honest opinion on what your options are.
Get more info : Visit Here : Medical Error Attorneys in Kentucky
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rioketzaugrin1989 · 4 years ago
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kentucky national insurance claims court, and he worked for six years in the insurance industry for 14 years. Over the years, they have made sure that they are never the victim of a bad insurance company.  The reason they do it is they want to be as honest as possible so that all the paperwork is handed out fairly. And since their policies are more comprehensive with more claims, they take their business to the point of compliance. My name is Tony and I did some research into the policies available online, so there are some benefits to doing business with them. I do my best to not get any insurance in my name when you are searching for a policy. This is the only way to know whether a company is good for its customer. I have been an insurance shopper for a few years now and am very proud of it. I have had three insurance policies with them. One of the policies I would recommend for a younger customer with less than perfect health. And even though it was not something they really wanted,. kentucky national insurance claims center. This is also contacted by other insurance agents outside of the company system, so the company should notify your company of it. It’s common for companies to notify these agencies in a separate communications. In this case, you need to contact your local agent to learn the details of the claims. When it comes to liability insurance, there is usually only one company that is chosen to insure you, and that is which has a monopoly on the business. However, you can contact your local agent to have your claim confirmed. To find a reputable insurance company that can handle your claims, contact today so you can get the right coverage at the best price. Allstate Insurance agency in Jacksonville, Florida is here to help you. We provide you the coverage you need to meet your insurance needs and give you the confidence that if you have a problem, something is done. Allstate represents all the insurance products available for all. kentucky national insurance claims and customer service ratings, are they able to find the best savings for them? Find Your Best Rates Are there any discounts available for local agents? Are there any plans sold online? Which insurers offer local insurance in your area? For a list of all the major insurance carriers in Louisiana, click . Find the and About the author Life insurance editor Dan Walker is a resident of Wharton and a senior fellow at the Insider Model Association, where he was credited for a ... There are a lot of insurers to compare. They will ask you about your circumstances. If you’re thinking about buying car insurance for the first time, ask yourself: Which is the best route out of any car insurance dilemma? There are a lot of decisions to consider. For first-time car insurance shoppers, the first step is to think about your needs. Your car will get damaged in.
The Bottom Line: Lawmakers send bills addressing unemployment insurance, executive branch authority
The Bottom Line: Lawmakers send bills addressing unemployment insurance, executive branch authority or any employee benefits issues to the Department of Insurance. The Office of Unemployment Compensation will provide the necessary documents that the Department requires. If an issue of insurance is not covered by a statute, the Department must also issue and issue an insurance. Otherwise, the statute and agency regulations would be inadequate. The law is an example of how lawfully the department has no say in the outcome of an insurance case. In this case, the insurance provider is required to provide the Department with adequate documentation that the state provides to the applicant. The office uses the Department s authority to establish the amount of information necessary to support the insurance provider s claim. If an attorney can show that the insurance was adequately paid, they may be able to establish a claim against the insurance for compensation against the company. In most states, the Department has jurisdiction over a contract with an employer. That means that the employer is responsible for the payments (or waiver ), as long as those funds are made available for employment purposes. An.
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Free Insurance Providers Comparison Compare quote options from top insurance companies. Compare multiple quotes in one place.  Secured with SHA-256 Encryption The cheapest options for car insurance in Mississippi have to do with personal injury protection (PIP), which pays for medical bills for you and your passengers after an accident. In Mississippi, you might want your own vehicle covered against uninsured drivers. You need to know how to save money on your policy. Here s a few tips on how you can save: The minimum car insurance liability limits required by   are $25,000 for bodily injury per person, $50,000 total for all injuries (total costs vary by state), $25,000 for all deaths, and $25,000 in property damage, or per accident. The most you can expect to pay for car insurance coverage is $30,000 per person, and $40,000 per accident for injuries to and property damage. When you buy a.
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donniebrooke · 2 years ago
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Department of Justice
Office of Public Affairs
Wednesday, September 2, 2009
Justice Department Announces Largest Health Care Fraud Settlement in Its History
Pfizer to Pay $2.3 Billion for Fraudulent Marketing
WASHINGTON – American pharmaceutical giant Pfizer Inc. and its subsidiary Pharmacia & Upjohn Company Inc. (hereinafter together "Pfizer") have agreed to pay $2.3 billion, the largest health care fraud settlement in the history of the Department of Justice, to resolve criminal and civil liability arising from the illegal promotion of certain pharmaceutical products, the Justice Department announced today.
Pharmacia & Upjohn Company has agreed to plead guilty to a felony violation of the Food, Drug and Cosmetic Act for misbranding Bextra with the intent to defraud or mislead. Bextra is an anti-inflammatory drug that Pfizer pulled from the market in 2005. Under the provisions of the Food, Drug and Cosmetic Act, a company must specify the intended uses of a product in its new drug application to FDA. Once approved, the drug may not be marketed or promoted for so-called "off-label" uses – i.e., any use not specified in an application and approved by FDA. Pfizer promoted the sale of Bextra for several uses and dosages that the FDA specifically declined to approve due to safety concerns. The company will pay a criminal fine of $1.195 billion, the largest criminal fine ever imposed in the United States for any matter. Pharmacia & Upjohn will also forfeit $105 million, for a total criminal resolution of $1.3 billion.
In addition, Pfizer has agreed to pay $1 billion to resolve allegations under the civil False Claims Act that the company illegally promoted four drugs – Bextra; Geodon, an anti-psychotic drug; Zyvox, an antibiotic; and Lyrica, an anti-epileptic drug – and caused false claims to be submitted to government health care programs for uses that were not medically accepted indications and therefore not covered by those programs. The civil settlement also resolves allegations that Pfizer paid kickbacks to health care providers to induce them to prescribe these, as well as other, drugs. The federal share of the civil settlement is $668,514,830 and the state Medicaid share of the civil settlement is $331,485,170. This is the largest civil fraud settlement in history against a pharmaceutical company.
As part of the settlement, Pfizer also has agreed to enter into an expansive corporate integrity agreement with the Office of Inspector General of the Department of Health and Human Services. That agreement provides for procedures and reviews to be put in place to avoid and promptly detect conduct similar to that which gave rise to this matter.
Whistleblower lawsuits filed under the qui tam provisions of the False Claims Act that are pending in the District of Massachusetts, the Eastern District of Pennsylvania and the Eastern District of Kentucky triggered this investigation. As a part of today’s resolution, six whistleblowers will receive payments totaling more than $102 million from the federal share of the civil recovery.
The U.S. Attorney’s offices for the District of Massachusetts, the Eastern District of Pennsylvania, and the Eastern District of Kentucky, and the Civil Division of the Department of Justice handled these cases. The U.S. Attorney’s Office for the District of Massachusetts led the criminal investigation of Bextra. The investigation was conducted by the Office of Inspector General for the Department of Health and Human Services (HHS), the FBI, the Defense Criminal Investigative Service (DCIS), the Office of Criminal Investigations for the Food and Drug Administration (FDA), the Veterans’ Administration’s (VA) Office of Criminal Investigations, the Office of the Inspector General for the Office of Personnel Management (OPM), the Office of the Inspector General for the United States Postal Service (USPS), the National Association of Medicaid Fraud Control Units and the offices of various state Attorneys General.
"Today’s landmark settlement is an example of the Department of Justice’s ongoing and intensive efforts to protect the American public and recover funds for the federal treasury and the public from those who seek to earn a profit through fraud. It shows one of the many ways in which federal government, in partnership with its state and local allies, can help the American people at a time when budgets are tight and health care costs are increasing," said Associate Attorney General Tom Perrelli. "This settlement is a testament to the type of broad, coordinated effort among federal agencies and with our state and local partners that is at the core of the Department of Justice’s approach to law enforcement."
"This historic settlement will return nearly $1 billion to Medicare, Medicaid, and other government insurance programs, securing their future for the Americans who depend on these programs,"said Kathleen Sebelius, Secretary of Department of Health and Human Services"The Department of Health and Human Services will continue to seek opportunities to work with its government partners to prosecute fraud wherever we can find it. But we will also look for new ways to prevent fraud before it happens. Health care is too important to let a single dollar go to waste."
"Illegal conduct and fraud by pharmaceutical companies puts the public health at risk, corrupts medical decisions by health care providers, and costs the government billions of dollars," said Tony West, Assistant Attorney General for the Civil Division. "This civil settlement and plea agreement by Pfizer represent yet another example of what penalties will be faced when a pharmaceutical company puts profits ahead of patient welfare."
"The size and seriousness of this resolution, including the huge criminal fine of $1.3 billion, reflect the seriousness and scope of Pfizer’s crimes," said Mike Loucks, acting U.S. Attorney for the District of Massachusetts. "Pfizer violated the law over an extensive time period. Furthermore, at the very same time Pfizer was in our office negotiating and resolving the allegations of criminal conduct by its then newly acquired subsidiary, Warner-Lambert, Pfizer was itself in its other operations violating those very same laws. Today’s enormous fine demonstrates that such blatant and continued disregard of the law will not be tolerated."
"Although these types of investigations are often long and complicated and require many resources to achieve positive results, the FBI will not be deterred from continuing to ensure that pharmaceutical companies conduct business in a lawful manner," said Kevin Perkins, FBI Assistant Director, Criminal Investigative Division.
"This resolution protects the FDA in its vital mission of ensuring that drugs are safe and effective. When manufacturers undermine the FDA’s rules, they interfere with a doctor’s judgment and can put patient health at risk," commented Michael L. Levy, U.S. Attorney for the Eastern District of Pennsylvania. "The public trusts companies to market their drugs for uses that FDA has approved, and trusts that doctors are using independent judgment. Federal health dollars should only be spent on treatment decisions untainted by misinformation from manufacturers concerned with the bottom line."
"This settlement demonstrates the ongoing efforts to pursue violations of the False Claims Act and recover taxpayer dollars for the Medicare and Medicaid programs," noted Jim Zerhusen, U.S. Attorney for the Eastern District of Kentucky.
"This historic settlement emphasizes the government’s commitment to corporate and individual accountability and to transparency throughout the pharmaceutical industry," said Daniel R. Levinson, Inspector General of the United States Department of Health and Human Services. "The corporate integrity agreement requires senior Pfizer executives and board members to complete annual compliance certifications and opens Pfizer to more public scrutiny by requiring it to make detailed disclosures on its Web site. We expect this agreement to increase integrity in the marketing of pharmaceuticals."
"The off-label promotion of pharmaceutical drugs by Pfizer significantly impacted the integrity of TRICARE, the Department of Defense’s healthcare system," said Sharon Woods, Director, Defense Criminal Investigative Service. "This illegal activity increases patients’ costs, threatens their safety and negatively affects the delivery of healthcare services to the over nine million military members, retirees and their families who rely on this system. Today’s charges and settlement demonstrate the ongoing commitment of the Defense Criminal Investigative Service and its law enforcement partners to investigate and prosecute those that abuse the government’s healthcare programs at the expense of the taxpayers and patients."
"Federal employees deserve health care providers and suppliers, including drug manufacturers, that meet the highest standards of ethical and professional behavior," said Patrick E. McFarland, Inspector General of the U.S. Office of Personnel Management. "Today’s settlement reminds the pharmaceutical industry that it must observe those standards and reflects the commitment of federal law enforcement organizations to pursue improper and illegal conduct that places health care consumers at risk."
"Health care fraud has a significant financial impact on the Postal Service. This case alone impacted more than 10,000 postal employees on workers’ compensation who were treated with these drugs," said Joseph Finn, Special Agent in Charge for the Postal Service’s Office of Inspector General. "Last year the Postal Service paid more than $1 billion in workers’ compensation benefits to postal employees injured on the job."
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beatricetate89-blog · 4 years ago
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covington auto insurance
BEST ANSWER: Try this site where you can compare quotes from different companies :insurance4me.xyz
covington auto insurance
covington auto insurance. When shopping for car insurance, many people think that they will need auto insurance for at least one year. However, it gets more essential. The answer is, most auto insurance companies have a grace period to set up a credit or debit auto insurance period. And when you are shopping for cheap car insurance, it is always best and safest to check the dates of coverage before buying the insurance. Most car insurance companies provide coverage for the first 3 years of a vehicle on the date that the car is insured. The reason that this is the case is simple. Many drivers do not actually drive as often as they should and are therefore at-fault. When insurance companies make that assumption, they typically are charged with enforcing it by using their own discretion. Auto insurance companies charge those deemed at fault to be more responsible drivers. If you do not have a car, then you will need to own the title to get registered. The reason that the term “annual. covington auto insurance. What insurance products do you currently use for your auto insurance ? What insurance products do you currently use for your auto insurance ? What kind of insurance products do you currently use for your auto insurance ? What kind of insurance products do you currently use for your auto insurance ? What type of insurance products do you currently use for your auto insurance ? How do you use life insurance for auto insurance? Where do I shop for auto insurance? How do you use life insurance for auto insurance? What kind of insurance products do you currently use for your auto insurance ? What kind. covington auto insurance company.  When shopping for car insurance, we work with top insurance carriers that specialize in the specific coverages you need and we will provide you with a personalized review of the car insurance that is best suited for you.  While the rates given by our agents are high because they are a customized review process, with no over-all information about your individual vehicle, the pricing shown appears to be average.  Some of these are advertised as low.  If you don’t receive a quote on your own,  your rates may be higher than what your auto insurance company is willing to insure.  It’s really true, though, how big or small your car is actually affecting your insurance rates in the future.  In the United States, the law only requires you to carry the minimum liability insurance for the state to be covered by your car insurance policy.  If you own multiple cars and are considering buying car insurance, we advise before you buy more than the minimum car insurance.
Car Insurance in Covington, KY
Car Insurance in Covington, KY can help. Our team of insurance professionals can help. We can offer a wide range of insurance coverage to a variety of companies depending on your local needs. Our team offers a wide range of insurance coverage and can provide a quick quote for insurance. The Covington, KY office is located in an urban area of about 9,000 people who live in a community. If you have questions, please feel free to come in for your real quick car insurance with a free quote today. You can get an online car insurance quote from us right now and take part in it. and get our . and get our for free, instant online car insurance quote from at . Driving around $1,000. However, the last thing you want is to take it upon yourselves to save $80,000. That’s why the insurance companies have put a $1 million dollar plan together within 24 hours. So, get car insurance quotes from at least 3 companies to ensure you get.
Major Factors in Cheap Car Insurance in Covington, Kentucky
Major Factors in Cheap Car Insurance in Covington, Kentucky All drivers have to pay a lot for auto insurance in Covington. Car insurance companies will assess your risk based on a variety of factors such as your ZIP code, the types of vehicles you drive and who is at-fault for an accident. Covington drivers pay more than $6,000 in annual car insurance premiums. How much does car insurance in Cleveland cost? The average annual insurance rate in Cleveland, Ohio, is $1,427. Cleveland drivers pay $1,480 per year, and the most cities for which data is available are: Tomsburg $1,538 Wichita Falls $1,645 Memphis $2,017 Pittsburgh $2,335 St. Louis $2,352 Sass $2,374 Sasswa $2,376 Wakefield $2,380 Wichita Falls $1,476 Oklahoma.
Auto Insurance Coverage Requirements in Kentucky
Auto Insurance Coverage Requirements in Kentucky Motorists are required to purchase a minimum of liability insurance for auto operations. The state also requires that all motorcyclists on state-run policies be covered by personal injury protection (PIP) coverage, or carry minimum amounts of pet liability insurance as required by law. PIP pays for Medical Payments and Personal Injury Protection (currently not required by Louisville). A licensed contractor (known as a PPC ) is appointed to administer the policies and pays a certain sum of money for the services of the insurance company. The contract also contains an  for the purposes of the insured, who pays the premiums. A licensed attorney is appointed to provide legal advice and provide advice as to the suitability of the policy holder. The attorney must be an Ohio State resident and has qualifying gross income between $50,000 and not more than $24,000. The licensed attorney must be licensed in at least the minimum standards required for private passenger auto insurance: $50,.
Other Insurance Products
Other Insurance Products. We offer auto, home, pet, life, specialty and boat insurance. Our policies may be underwritten by any third-party insurance company. We also offer life, disability, health (interim health) and home (emergency medical) insurance. Insurance needs vary depending on which company you purchase and what state you live in. With your auto insurance quotes now or a couple of years away, we can help you get the best price by comparing your best rates. It’s not very expensive. All of us want to get a new car or home, have a baby, start a family … it’s just not a priority. For this reason, we’re here to make car insurance rates affordable. When it comes to our customer service, we’ve got an A+ rating from the Better Business Bureau and over 11 years’ experience in the insurance industry. Our agents will help you get the insurance policy you need and then present to you in a.
Piedmont Insurance Associates, Inc.
Piedmont Insurance Associates, Inc. (IPPA) is an independent insurance agency. We will contact you if requested and if applicable. All coverages are provided upon request by the insurance company. Homeowners insurance is mandatory for all homeownership. If a home is destroyed and not repaired, all property is the responsibility of the insured. The mortgage company may require you to pay for the damage themselves. If you have your home damaged by a fire, a flood or an earthquake, homeowners can get help with home insurance. Homeowners insurance from one of the insurance companies on the list, to get comprehensive coverage. Homeowners with a deductible of $500 pay some of the lowest home insurance rates in Maine, while those without insurance pay more for the same insurance. The most cost-effective home insurance plans for Maine residents are offered by American Family Insurance, Inc., (AFA) and (AFA). Maine residents who want to get insurance with all the big names in the home insurance market have plenty of options. One of.
Home Insurance
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FREE Auto Insurance Comparison
FREE Auto Insurance Comparison Auto insurance rate data as of December 14, 2014 As a driver, you have the freedom to change as you like. You can do this by calling your insurance company or providing information about your needs. You may be able to change the name on a car insurance policy and allow it to cover your insurance deductible. You can keep your deductibles either way, but it’s likely you could alter the policy to cover different amounts depending on the car insurance company you choose. Your auto insurance is different. We want to help you understand how it works so you can find the best rates available. The price of car insurance, also known as premium, can vary based on the kind of coverage you have. Different car insurance policies have things in between. For example, you may be required to purchase a separate policy as part of your registration. The minimum coverage for car insurance on a vehicle you own is $30,000 in , while the maximum is 30/60/.
Cheapest Car Insurance in Covington, KY
Cheapest Car Insurance in Covington, KY It can depend on your insurance provider. If auto insurance is more expensive, compare cheap car insurance on Compare.com. Cheap car insurance is a great question. Let’s say you’ve heard that the average Missouri driver pays a lot for car insurance at this same rate, but you know you want to make sure you have the best insurance. And, here’s the other side of the story: if you own more cars in Kansas than the state minimums, you’re not alone in your passion for cheap coverage. In fact, a whopping 15.9% of Kansas residents have no insurance. That’s a high number of uninsured drivers, as they’re still not covered by their own insurance policy. But the number of uninsured drivers is small, and many will find themselves without it. This may be one of the most unfortunate unintended consequences of the 2016 federal emergency: an increase in uninsured drivers. The number of uninsured motorists — and.
Average Car Insurance Cost
Average Car Insurance Cost For 1 Vehicle Amount - Highest Overall Car Insurance Cost Percentage of Median Annual Car Insurance Cost Using Survey Cars and SUVs Cost More As you research auto insurance policies, you will notice that there are some very specific rules that you need to follow in regards to selecting the car insurance provider you choose. In general, auto insurance is designed to protect against the costs that may arise if you get into an accident, but auto insurance is not designed to protect that you are responsible for. A comprehensive auto insurance policy does not cover the costs that may occur to you for damage to your car. The best way to protect yourself from the above risks is to buy a comprehensive plan as much as you can. Consider this a summary of your best auto insurance picks, which may include things like: The table below highlights some common auto insurance premiums that you may earn if you have a comprehensive, or semi-comprehensive, auto insurance policy. The final quotes listed are approximate or general estimates of what.
Checked Your Insurance Bill Lately?
Checked Your Insurance Bill Lately? A Look at the Future and Cost of . There are a variety of things that can affect your future. These include the number of years you’ll have until you’re ready for retirement, how much you’ll have to pay in premiums and even if you’re married and have children. Your insurance will come with a set benefit amount that reflects the difference between the premiums you’ll pay and the actual cash value of the policy. Here’s an example of how you can use these factors to choose an individual deductible level. Your deductible is the amount you have to pay each month before your insurance company will pay anything out of pocket before the payout. The  is what you have to pay to be covered by your insurance on a regular basis. However, if the premiums, premiums or premiums have gone up, you can choose a lower amount of coverage if that’s what you want. Here are some common types of coverage that you’.
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wilsonmcqueen5 · 4 years ago
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How To Find The Right Compensation Lawyer For Workers In Lexington Kentucky
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Worker compensation is designed to provide injured workers with compensation for work-related accidents or illnesses; however, workers who file insurance claims do not necessarily receive the compensation they need to recover from their Accident and come back to work.
The lawyers supported clients who first wanted to handle the claims process on their own to appeal decisions that dismissed their claims or minimized their advantages.
The Workmans comp attorney Lexington KY has considerable expertise in managing the mechanism of compensation claims of Kentucky employees and has gained insight into the strategies used by insurance firms and employers to discourage or restrict pay-outs.
If you or a loved one have recently been hurt at work, the Workmans' compensation attorney in Lexington KY, will be able to help you get the compensation you are entitled to receive.
How will an attorney from Lexington help?
The method of recovering proper Workmans comp attorney Lexington KY benefits is inherently complicated with your work-related Accident but simplified with a professional Lexington attorney's aid.
The attorney will help ensure that the required paperwork and supporting proof submitted with your evidence. Your attorney may additionally:
·         Explain privileges which may not have been reported to you by insurers
·         Ensure compliance with all deadlines
·         Uncovering details that you do not realize are required for a successful claim.
·         Increase the overall chances of recovering sufficient compensation
The Workers' Compensation Claims Process Summary
Within the time frame defined by workers' compensation laws in Kentucky, you must inform your employer of your on-the-job injury. The First Report of Accident form must then be completed by the employer and sent to the Kentucky Department of Workers' Claims.
A medical report may be used to validate the nature of the injury, the seriousness of the damage, and the probable timeline for rehabilitation.
If your claim has been dismissed, your counsel can, if sufficient reasons exist, file an appeal with the Workers' Compensation Board.
The analysis conference is casual and used to describe your claim-related issues and narrow issues. The judge will schedule an official hearing to occur within two weeks of the meeting if a settlement is not reached.
Within 60 days of the formal hearing, the judge expected to issue a written decision. Both sides have 14 days to file a Petition for appeal.
Compensation Cases for Black Lung Workers
Coal mining is believed to be the nation's second most dangerous work market. An approximate 3 percent of employees are impacted by Black Lung disease per year in Kentucky.
The filing of a workers' compensation claim for Black lung disease compensation is substantially different from filing a claim for other forms of the work-related injury.
Black Lung Claims from the Third Party
Workers may lodge product liability lawsuits against protective mining manufacturing companies. Miners can also claim compensation from a third party that is at fault, such as an agency or person indirectly involved with the process of mining. The compensation lawyers for Lexington workers will help you in recovering the compensation you are eligible for.
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justicestartshere · 5 years ago
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TYPES OF SPORTS-RELATED INJURIES
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There are more than 30 million children who play different kinds of organized sports in the US, while others play in recreational activities.
According to a 2002 report by the Center for Disease Control and Prevention (CDC) nearly 1.9 million of those children are injured, and childhood injuries are a growing problem. (CDC ChildhoodInjury Report:
Patterns of Unintentional Injuries among 0-19 Year Olds in the United States, 2000-2006)
Facts about childhood injuries from the CDC :
Every year, approximately 875,000 children are killed and nonfatal injuries affect the lives of between 10 million and 30 million more globally, according to the CDC.
Childhood injuries are also a problem in high income countries such as the United States, where approximately 12,000 children die annually from unintentional injury-related causes.
The most common injury is musculoskeletal.
These type of injuries include injuries to children’s muscles, tendons, or bones.
What types of sports related injuries are there?
According to the National Institute of Arthritis and Musculoskeletal and Skin Diseases,
NIAMS/National Institutes of Health, there are many types of injuries that can seriously harm children during sports because children are still growing and injuries that might not be as serious for adults can injure children’s growth read more...
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parkerjasmine1996 · 4 years ago
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flood insurance in louisiana
BEST ANSWER: Try this site where you can compare quotes from different companies :bestinsurancequotes.top
flood insurance in louisiana
flood insurance in louisiana. The average annual cost of auto liability insurance in the state is $7,240. But how much does it cost to insure a vehicle with a higher value? The truth of the matter is, a car worth $300,000 can typically get hammered in a collision if it’s damaged much in any way. If you decide to file a claim for an accident, the auto insurance adjuster will try to get at least a few hundred dollars to repair your vehicle. They’ll also try to make a buck or two. In many cases, the auto liability claims department will come after your car’s value in order to make its insurance payments. In most cases, even if it’s a brand new vehicle, the insurer will still try to make a more money-making profit. And in cases where you are a lower risk, these companies would be much more likely to insure you with an insurance company they would have a financial relationship with – and it could even. flood insurance in louisiana, and its insurance program pays the full cost of your car, truck or bus if someone is injured. Also, the AAA will be contacted and, if possible, be granted special protection. The state of Louisiana doesn’t currently require residents to buy from other insurance companies, but renters insurance policies are recommended. The cheapest drivers in Louisiana can get a car insurance quote of only $2,450, while the most expensive in Louisiana is a car insurance quote of only $10,000. In any of these instances, it’s critical to shop around for car insurance – its often best to compare as much as you can of an insurance provider. The cheapest option might be for you to consider something like a comprehensive coverage. If you own your home, your personal possessions, or your collection, comprehensive insurance can protect them while you’re away. In Louisiana, comprehensive coverage pays for damages not caused by a collision with another natural disaster like fire or flooding, but other natural disasters. flood insurance in louisiana. The insurance agent could have a record of the same insurance company in the past. The average rate for in this state is $1,138 for a six-month policy. The cheapest auto insurance for you in Colorado is $815 per year or $1,064, for a six-month policy. Your best rate depends on the value of your car, your history, your age and your credit score. In general, you don’t wanna get a low rate on car insurance unless you have a low credit score. The average car insurance price in CO for a four-month policy from Meldrum is $1,818 for a six-month policy. The average cost in the state is still slightly higher than the state average, but they are only 3.6 percent more than the federal average because they can vary greatly by state. In New Mexico, drivers can get car insurance quotes for four years without a lapse.
How does flood insurance work?
How does flood insurance work? What type of coverage do I need? Do you have to protect me? We have a flood insurance agent. What is the to call for flood vs is how that s important. So how is it, to protect and provide coverage? It is important to read the (you have the answers). In this post series we will cover the basics of Lincoln Flood Insurance, what it offers and why it is more expensive than an HVAC or HVAC. A very common type of policy that Lincoln Flood Insurance is, is “Lincoln Flood Insurance.” This is when a homeowner’s policy protects them against flood damage that is caused by loss of their dwelling. This isn’t always the case. Because the L.C. residents were not covered against flood damage under the standard policy, these policies are only offered in the Lincoln Country, not the surrounding area of the country. Lincoln is dedicated to protecting those who have experienced or.
Flood Insurance in Louisiana is Essential for Property Owners
Flood Insurance in Louisiana is Essential for Property Owners, and the company that offers the most affordable homeowner’s insurance in the state. The company’s insurance will pay a fixed premium, usually up to a certain amount, that is equal to what the insured person pays to fix any damage from storms occurring outside the insured’s residence. This insurance is also sometimes called flood insurance, or if you have flood insurance, it will cover you against losses caused by flooding; storms and rising seas that cause floods with no insurance. However, most homeowners insurance policies will not pay out claims that are not related to hurricanes. The insurer can also deny a claim made by a hurricane person. The National Flood Insurance Program (NFIP) is essentially an insurance program to cover your home from extreme weather events (like a tornado), to hail storms that cause lightning in the winter months, to floods in the spring. Home insurance programs in all of these situations are designed to provide coverage in cases of loss because of loss, if anything, but they do.
Flood Insurance for Louisiana and Mississippi
Flood Insurance for Louisiana and Mississippi.  is a multi-line auto policy with coverage ranging from 2 hrs for the first two policy sessions and 30 hrs for each of the first seven in the first week of policy. This will give a coverage limit for each insured individual (additional drivers and liability coverage) and no limits are guaranteed.  You may even add multiple policies to the coverage or you may be required to purchase extra coverage per policy in addition to what is required by . When you are looking at coverage for Louisiana and Mississippi, it’s always wise to also check if you are in a higher risk of being involved in an accident. For example, the state is considered at a rate of 5’6 percent higher than the national average and it has been noted that in the state of Kentucky, an accident with an auto insurance policy will lead to a The minimum state required car insurance for Louisiana is $20,000 per person and $40,000 per accident, while the minimum Louisiana required.
What happens if my insurance company denies my flood claim?
What happens if my insurance company denies my flood claim? Your home insurance company may deny your claim. You may feel like an independent, unbiased for not every insurer your size. Your home insurance policy could even lose you as a customer if you’ve been denied multiple times in the past. You need to contact your insurance company about the reasons for the denial. If your home insurance company denies your claim, you may be entitled to compensation for the losses. Contact your insurance company right away if you find yourself in need of help. If your homeowners insurance claim is denied due to a misrepresentation made by your policyholder, or if your insurance company may be willing to work with you in making your claim fair and fair for all parties, you can contact your insurance agent right away. If you lose your home and/or belongings, can you afford to pay the rest of your payments out of pocket? For many residents of Phoenix, this can be a very difficult time.
Louisiana Flood Insurance Protects Your Home
Louisiana Flood Insurance Protects Your Home - Choose the Right Insurance Policy for Your Home Purchases and Home Rent Insurance Insurance for Personal Dwellings and Brick Steel Metal Bricks Items in Your Home Auto Personal Care Insurance For Personal Liability insurance for your home insurance for your home insurance for your home insurance for your private own insurance for The Home insurance for your home insurance for your home insurance for the home insurance for the home insurance for the home insurance for the home insurance for the home insurance for the home insurance for your home ins.
Flood Insurance Coverage
Flood Insurance Coverage: $50,000 Property Damage Liability Damage (PDL) $100,00 Uninsured Motorist Bodily Damage (UMBD) $300,00 Uninsured Motorist Property Damage (UMPD) $1 Million Property Damage Liability Coverage is similar to . It protects you in the event you cause damage to someone else’s property or injure their property. Property Damage Liability (PDL) is the amount that damages someone’s personal property, usually in the form of a fine or other penalties. PDL is the part of the auto policy that your insurance company takes into account when calculating your rates. As we mentioned above, it is intended to protect you from the extreme inconveniences associated with damage to your own home or condo from various angles. There are various ways to save money on auto insurance, and getting a new policy is one way you can save as much as possible. These tips will help you determine if there.
How a flood insurance dispute attorney can help
How a flood insurance dispute attorney can help you learn more about the legal defenses in a flood insurance lawsuit. Are you asking: What an insurance company says about how a claim is handled in a flood insurance case? In an emergency situation you likely have the opportunity to speak to an experienced attorney to develop a legal defense in an insurance claim dispute. Many insurance companies have procedures in place to review the claim process. As a claimant, you must meet in person with the insurance company, and the claim attorney then can discuss what the insurer’s complaints were to the insurance company. The amount of time that you must have met all these obligations is a big deal. Sometimes the insurance company may provide you with a partial settlement, or give you a small initial discount. It really depends on each situation. The insurance company may say that the amount of your settlement is fair and in good faith, and in a settlement that has the legal defense needed to proceed to trial, the company may seek to have an additional judgment. This damages you.
AWS Insurance
AWS Insurance Agency, Inc. and associates, or partners or members of our organization and are not employees of the insurer. Not all products and services are available in every state and are not available in all situations. Not all products and services are available in all states. Disclaimer: 5StarAutoInsurance.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage. When in doubt, you need to protect your finances with the help of a car insurance policy. But can you ever get auto insurance back on the road knowing you can still drive in the sunshine state? Today, our top five car insurance companies are all competing.
What’s the difference between homeowners insurance and flood insurance in Louisiana?
What’s the difference between homeowners insurance and flood insurance in Louisiana? Is homeowners insurance cheaper in Louisiana? Read through this comprehensive guide to understand how homeowners insurance works in Louisiana and why it might not make sense to choose a reputable company to secure yourself from the very start. Because of the nature of homeowners insurance in Louisiana, the coverage you need for both of these is beyond the coverage of any other policy. If you are renting your home, you do need a renters insurance policy that offers your landlord up to $300,000 in liability insurance coverage. Your landlord may also be liable for any accidents or damage. If any accident occurred or is determined to be covered as a result of damage from a natural disaster, your homeowner insurance policy will not guarantee that a disaster damages the home. A comprehensive homeowners insurance policy is designed to provide coverage against these hazards for your property, especially those specifically exempted from the coverage by your lender. While it’s an effective strategy to protect the home from extreme weather, there are pitfalls. You are responsible for paying for damages that result from.
What Is Flood Insurance?
What Is Flood Insurance? Flood Insurance is a type of property insurance provided by the state, the federal government, and private foundations through the State . It covers the structure of your home, and the structure of your personal property in addition to damage or loss the items are named on the policies. Most insurance premiums are based on risk and the type of personal belongings insured have.  A flood insurance is typically not offered as a standard policy, but is very competitive with traditional auto coverage or insurance.  The cost of flood insurance varies between cities and states. Flood insurance is typically not offered as a standard policy, but is competitive with traditional insurance, or it can be purchased separately.  This insurance is also very competitive with our automobile policy.  It typically allows you to receive additional coverages if you choose to increase the amount of your existing auto liability coverage. If you choose to increase the amount of your existing coverage, you should check the premiums to see if your  has the option.
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knightavery · 4 years ago
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flood insurance in california
BEST ANSWER: Try this site where you can compare quotes from different companies :quotesdeal.net
flood insurance in california
flood insurance in california. If you re at fault for a car accident, the minimum required by law would be 25/50/25. Find an affordable CA car insurance policy in CA that covers your vehicle, if your insurer can’t. Save hundreds on your driver’s license in CA by skipping exam prep. Sign up for automatic discount programs for responsible behaviors like good grades. Insurance discounts may vary by state. See the insurance policy for available states. California s minimum auto insurance coverage is $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $10,000 property damage liability per accident. Liability car insurance will help pay for expenses such as up to $80,000 for repair of injuries or property damage resulting from an accident for each individual covered by the policy. California requires uninsured motorist protection on $20,000/$40,000/$10,000 limits for bodily injury liability and. flood insurance in california.  We are in your backyard, a good property insurance company! Do they have your property if in your garage and in my driveway?  Do they provide anything that will injure an occupant but that will fall through if you hit an animal?  Will they tell their insurance adjusters, when and if it is in an accident that they will not cover, and will do the same things they do? This is a common scenario and one that we see alot of. So in the section below we will explore. In this section we will cover everything from the list of things that would make them think this would cause damage. Our experience with the insurance guys and the information that the insurance companies could offer is what has saved our life. In the sections below we will examine what the insurance companies would have the ability to cover. So what is the best way to find your insurance provider? For example you can also check out more information . But what is the best way to find. flood insurance in california and can lower your premium in a few areas. However, if you don’t have insurance, there’s no place to find that information on Google. If you decide to get a car insurance policy through GEICO and you don t want a car insurance company to sell you a policy, your best bet will be to contact the GEICO Insurance Agency. This agency has access to all of the insurance companies GEICO sells, so they can do a lot of the prearranging, filing, and pricing. Check with an agent to see how they can provide insurance for you and your family. If you are eligible for this subsidy, you usually will receive a 6-month insurance policy as an annual subsidy of GEICO car insurance. That means this individual plan was for two-year straight, without any accidents. That means an owner would qualify for a reduced monthly premium when they paid full policy mileage, which increased to an annual income. Check with your agent to see if they can.
Flood Insurance Service and Claims
Flood Insurance Service and Claims can help with any type of insurance problems. Call us for an affordable today. If you’d like to have a contact to speak to a free commercial insurance advisor, call The Helper 913-551-2588 with a phone number that can answer your questions and can help you get a quote before you apply. Call with one of our licensed insurance experts to speak to a free commercial insurance advisor. We are available to assist with all business-related concerns when you find them. For help on a commercial insurance plan, call Helper 913-551-2588 or . Helper Insurance Services is an independent insurance agency located in Lexington, Kentucky, that offers businesses insurance, homeowners insurance, and condo insurance for small business owners. Our team of licensed professionals has over 100 years of experience providing personalized insurance services to businesses and individuals for both commercial and personal insurance needs. We have a wide range of business insurance products from commercial policies to homeowner and pet insurance. For Business,.
We ve got you covered for flood insurance.
We ve got you covered for flood insurance. The best price can really set you on a path to savings, and that means adding auto, home, life and health insurance at the same time.  Our website, our mobile apps and the , and we also have some great financial and insurance services we are able to provide.  Call our customer service line if you want to speak to someone on the phone today and we ll be glad to do everything in our power! We have had many good experiences with Progressive Insurance, and this is the first insurance company we ve had on our mission of making insurance easy.  We re very happy who we are and would highly recommend you! We re one of the first insurance companies we ve been contacted with to offer with auto liability insurance at low prices.  Progressive has been our customer of choice for over 10+ years and has consistently been providing you, your family and your home with a great service every time they need it or want to come. We work.
Flood Insurance: Get the answers you re looking for.
Flood Insurance: Get the answers you re looking for. Nationwide makes it easy for you to find dependable auto insurance in South Carolina. We can show you options so you can choose the coverage that s right for your needs, goals and budget. Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below: When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide.
Auto Insurance
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Insurance Provided
Insurance Provided by Farmers Insurance ExchangeG. All New York Life A New York Life Insurance CoCompany For over 140 years, United Financial has been a leading member of the nation’s leading pension system. We have insured over a million families that we have paid millions if not a whole lot of money every year, every year, to our customers. If your family is in a financial crisis, or at the end of your life or your company is under threat, United Financial could be able to help. Our insurance policies include a number of high-value, high-value policies that do not only cover your business losses but also provide you with better coverage at a lower price. We believe the type of insurance to fit your specific needs is important for your long.
Insurance Products
Insurance Products.com does not provide insurance and we do not represent any specific insurance provider. Information provided on this site does not constitute an insurance quote and is not a binding agreement. There is a variety of benefits for individuals and their families in purchasing health insurance. This guide will explain what they need to know about . It will also show  the basic benefits you get when looking for insurance. Most people in the United States buy their health insurance from their workplace. The health insurance is designed to cover services and treatment in the case of a malpractice suit for professional negligence, negligence of negligence, or discrimination. You are covered to treat or not treatment in the long run, the medical treatment is covered for the benefit of everyone in the healthcare system who gets health insurance. We can provide you with medical care that is provided without charge so that your health and future needs continue forever. The health care law and rules are written in the individual health policy (HPA).
Do I need flood insurance?
Do I need flood insurance? If you bought an insurance policy this year, you may be wondering why your home insurance policy won’t cover flood. We’ve gathered the facts below, but we’re going to go over why it’s a wise thing to do when you buy . Our goal is to provide you with all the answers you need and more in less than a minute. If you live in a flood area and you don t have flood insurance, you may be entitled to a large amount for your policy if you live near the coast or a state or jurisdiction that gets inundated by floods frequently. Here at Auto Insurers Choice, our attorneys are specialists behind the wheel. If you live in a flood area, it might be prudent to purchase flood insurance. The National Flood Insurance Program (NFIP) helps provide money to the federal and state government in the case of major flood areas. Flood insurance can be expensive, but the cost of regular insurance can also offset the cost of damage to.
Other Insurance
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Life Insurance
Life Insurance, you are given a choice of which car insurance company you choose. They may give you a small rate or it may be the best rate, depending on the terms of your policy. But you will need to keep reading to get a feel for their rating structure. Below is a list of other ratings from different industry experts to help determine which insurance plan you may qualify for. Insurance for a student is available at many colleges and universities. Here is a breakdown of the type of insurance coverage you can choose from in the United States. You can also use the car insurance company calculator below to get a more basic and easy-to-navigate idea about what to look for. There are numerous options for car insurance for students. There are several types of coverage, depending on your policy and requirements and limits. There is no maximum coverage, and you won’t have coverage, so it will depend on your car insurance policy. One of the most common examples is . Most insurance providers offer optional coverage.
About Insurance.com
About Insurance.com. All rights reserved. This marketplace is part and parcel of Insurance. Life insurance helps build and care for money if you were involved in a car accident, but not everything that happens — or doesn’t happen, for example. Life insurance isn’t just for emergencies, and in the meantime, other people, like your spouse and children, might be struggling financially through the aftermath of your accident. If you or your family members are still looking for the best financial health of their lives, one strategy might be to consider buying a life insurance policy directly from insurers. Here are some of the strategies discussed at the most basic level: If you’re planning to take out life insurance and use the money as you go to end of life, the best policy for those who’ve decided on the purchase is to use the life insurance as you save for the rest of your life.
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mcintyrefrancis · 4 years ago
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attorney malpractice insurance california
BEST ANSWER: Try this site where you can compare quotes from different companies :bestinsureonline.xyz
attorney malpractice insurance california
attorney malpractice insurance california California California California California California California California Illinois New Mexico Ohio Iowa Ohio Kentucky Ohio Kansas Kansas Minnesota Wisconsin Wisconsin Wisconsin Indiana No You’ll need California Car No You only have to get How much does it Cost? The how much is How much is a per month? What s the most things in your mind How much does it cost to prove your insurance today? How much do your insurance claims really cost for your insurance? Does it matter whether your insurance is compliant or non compliant with what it is compliant? Insurance Insurance is about what you drive. It is a product. The insurance. attorney malpractice insurance california. Whether you work at a nursing home or in a professional practice, we’re always available to explain and advise. If you are looking for a lawyer malpractice insurance policy in California, call us today! California Insurance Department takes the following into account: The California Insurance Code, Calgree code , and the California Insurance Information and Services section of CIFS are separate from the California Insurance Code and Code guidelines for auto insurance. CIFS outlines these requirements. CIFS §7304.01(3)(c). This part (c) requires us to cover insurance claims that are deemed unreasonable when it would otherwise be within our province and does not take priority or jurisdiction from the insurer. If the insured has a California registered vehicle, it is imperative that all insurance policies are written in California. The California Insurance Code (SIG) identifies. attorney malpractice insurance california is insurance on her car in the States of CA? and you get paid on car to determine which insurance would be the best for you or would benefit you personally. You can also see a . . There’s a better way to handle this! The problem is getting to the deductible (if you get caught without such insurance and get caught with car without auto insurance, there are other penalties, such as jail time, and a surcharge on your insurance premiums). That is, if the other party is at fault, then all of the damage in the accident is claimed from your liability insurance. If the at fault party is uninsured, the other party cannot get their own liability insurance. If you go to a car dealership or car show, and they don’t have insurance, then you have no legal obligation to use that insurance. In these cases, you can only use the liability insurance of your dealership insurance policy. But it is always cheaper just to use the actual car.
Lawyers Pacific Insurance Brokerage was founded on the time-proven principle that the customer is the first priority.
Lawyers Pacific Insurance Brokerage was founded on the time-proven principle that the customer is the first priority. This gives them the benefit of a lifetime insurance quote by covering the entire cost associated with your policy. The policy is very easy to get into and the customer has the understanding of your protection in a matter of minutes to one-two weeks. It is so easy to work with the representative from Mutual of Omaha in order to obtain a quote. So, we believe that you can choose the insurance companies in the market today. So, let s start out with the main insurance coverages that you need to consider before you buy insurance. The main coverages we will be covering are the following types of coverages: All people are required to carry their own car insurance policy as well. This is why you have to find an affordable insurance option to keep you on the road in case of a collision with another driver or for your vehicle. The coverages below are not optional, but should be very basic. They would be covered in case of a serious collision with an uninsured motorist as well. The cover.
California Lawyers Professional Liability Insurance
California Lawyers Professional Liability Insurance, Inc. (CLLPIC) has been successful at challenging a private insurance company, and not only against private-owned insurance companies but also against the state, where an employee’s personal injury will likely be covered by the policy. In addition, both employers and the state of Georgia may apply for insurance policies if there is a serious and permanent disability for the worker. A policyholder cannot receive benefits for a serious accident which results in a death of the claimant’s beneficiaries – including the insured person or his/her family. Many families and employers have coverage, and many families with uninsured, underinsured or underinsured car drivers may be financially devastated by the cost of such damages. To help you navigate the complex marketplaces and insurance laws, I’ll cover some of the common terms included in every insurance policy. A well-planned insurance plan that can protect your finances or your employees in the event of an unforeseen accident.
Business Insurance
Business Insurance Group - Our offices in Colorado, Arizona, California , Connecticut and Delaware , Kansas , Louisiana , Minnesota and Nevada . Our agencies sell a variety of insurance products all encompassing homeowners insurance, renters insurance, condo insurance, and auto insurance.  We are committed to providing you with personalized service that is personal, helpful, and fair in your time of need.  For this reason, we also offer various discounts for bundling multiple policies and having safety and security features. We are also committed to providing personal service to your family and to saving you at least 7-10% on your auto insurance! Call us today at 800-442-9899 for a free quote on auto insurance! As a professional insurance agency, we work with multiple insurance companies to provide our clients with the most effective policies at the lowest possible cost. We have the flexibility to get you covered and pay for your coverage in a variety of ways. Our staff is well-read with you to help ensure the right.
Malpractice Insurance Report
Malpractice Insurance Report by Lissa E. Hirschberg, PhD. This insurance report was produced for the American Academy of Child & Adolescent Medicine and contains the report and related information. It provides an overview of the various factors that contribute to the premium cost and outlines the main features of each insurance type. It provides a comprehensive and well-informed critique of the insurance industry which can be helpful for parents whose child is not insured by their employer, or who have employer-paid, group-sponsored coverage of the minimum health insurance coverage for their child. In the report, R.S.A. discusses the impact that each insurance company uses on their premiums and what coverage is needed which allows each is most valuable for the child. It is also helpful to know what kind of policy policies are good for the parents and how it is designed to help in terms of coverage amounts. Finally, the report provides helpful insights that can be invaluable for parents when deciding whether their child can or can t get medical insurance. It.
Insurance markets can change, our guidance is constant — specializing in lawyers professional liability since 1990.
Insurance markets can change, our guidance is constant — specializing in lawyers professional liability since 1990. This information should be easy to find. Our website is updated with applicable information regarding insurance coverage, and an update concerning rate changes. With over 20 years experience helping the community insure their home and personal belongings, we can get to know you, and your loved ones. If you re looking for a low cost insurance plan, you probably have dozens and dozens of options — check out our list of our picks . If you re looking for a comprehensive, high level of liability insurance, our list doesn t leave much room for your imagination — but we do have some other options you may wish to consider. You ll be surprised how many ways you don t have to choose. And you wouldn t know that your insurance company doesn t rely solely on what a customer says, the insurance company will tell you what a customer is saying, and why they don t offer the same kind of coverage. These things, too, can make a big difference when you re trying to decide if you should choose them. But not.
Our goal is to help you successfully navigate the insurance market and obtain the best coverage at the lowest possible premium.
Our goal is to help you successfully navigate the insurance market and obtain the best coverage at the lowest possible premium. We also offer guidance to help you find lower rates by providing quotes and comparing rates from multiple insurance companies. As the nation is witnessing the coronavirus pandemic, consumers seem to be searching for the proper vehicle coverage to protect their vehicles. At Auto Choice, we offer the same excellent service and understand each client’s specific insurance needs. We make the process of finding auto insurance simple. Whether you’re a new user or a veteran, you’re not alone. The cost of insurance is very affordable when you’re a veteran or active military. But as one of our experienced insurance agents, we’re proud to say you can find a policy that isn’t too big on cost. And you can easily access the anytime. We offer discounts to auto insurance shoppers who take advantage of . The most important thing for a veteran/servicember to consider when shopping for a new policy is that all insurance rates and discounts will vary by insurance company.
Liability Insurance
Liability Insurance: It pays for legal costs if you are injured while driving someone else s car. Coverage does not apply for damage while you aren’t driving but it can be purchased for a variety of things. PIP (Personal Injury Protection): If your personal property is damaged due to a car accident, this insurance pays. It pays you for medical expenses for you and your passengers when they’re injured in a car accident that isn’t your fault. This policy also covers you from prescription expenses, such as prescription drugs. This policy is similar to personal injury protection, because it only pays if you are injured in someone else’s car and they have insurance. This policy also applies to property damage caused by other motorists or people in your own car. This type of insurance is similar to comprehensive coverage but different for car repairs. You pay the insurer an amount listed on your policy that you agree to in exchange for payment. The amount varies by insurer and the annual premiums.
Addressing Attorney Negligence And Insurance Coverage Issues
Addressing Attorney Negligence And Insurance Coverage Issues By Example In addition, the insurer must provide any non-existing issues (such as a missed card, payment of a claim, etc.) to resolve them. The court may also impose additional burdens on the insurer in order to cover those issues. The only way to ensure you’re properly protected is by a reputable attorney. I am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it. Expert Insurance Reviews has one simple mission – to help consumers learn about insurance and get free insurance quotes online. We aim to be your first stop for insurance questions and to save you money on your insurance with our free policy quotes from the trustworthy companies in our nationwide network of insurance providers. The average person in Ohio spends about $1,941 per year on car insurance. If you recently purchased your first car, you’re probably asking yourself, �.
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the-legal-duchess · 7 years ago
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Reflecting on 2017 and Setting Goals for 2018
2017 was a good year. My husband and I were just talking about how nothing terribly exciting happened- it was just an average, good year for us. I really can't complain about that; generally, our family was healthy and happy and we made a lot of great memories.
Early 2017 started off exciting when we rescued our sweet Annie. This dog reminds me of all that is good in the world. When we adopted her, she was 1.5 years old and had already had a litter of puppies, had been shot in the shoulder with a pelleted shotgun which it healed poorly without medical attention and the pellets are still in her leg encased in a large amount of scar tissue and leaves her with a small limp, and she was found running stray on the streets of Kentucky. After all of that, this dog is still the sweetest and happiest dog I have ever had the privilege of knowing and has a trademark smile for whenever she gets excited. She fits perfectly in with our other two dogs and has meshed into our life like she was always here. We simply cannot imagine our life without her now and we are so thankful we got to adopt this sweet little angel. #adoptdontshop
January also featured me getting reared ended in a hit and run which lead to two weeks of my husband and I share a car and a rather big bill to get my car fixed. Not very fun but I am just thankful I was not injured and the car was fixable thanks to good insurance.
Most of my spring was just busy busy busy with law school. Over spring break I had an emergency root canal which put a little damper on my vacation time. I did finish spring semester strong with a big improvement on my GPA and my first A in law school. Soon after, I found out I made the Moot Court Products Liability team which was a big dream of mine in law school.
I spent my summer interning at my local prosecutor's office and I loved absolutely every minute. I had the opportunity to work on murder cases, write official briefs and memos and attend and assist at several trials. I have officially decided that criminal prosecution is where my career plans lay and I can't wait to continue forward in my career path by interning with a local Judge this coming summer.
At the end of the summer, my hubby and I took a vacation to Maine. Maine is one of my absolute favorite places on earth- my dad grew up there and we have visited almost every year of my life. It is one of few places I can visit over and over again and love it just as much every time. We had a wonderful and relaxing week full of ocean views, mountain hikes and family time. If you are looking for a vacation spot, mid-coast Maine is one of the best.
School started back up in August and I embarked on my busiest semester to date. I started working in Law School admissions as a student ambassador and I absolutely love it. It is the best job as I love helping new law students (hence the whole point of this blog) and I have the best bosses! I enjoyed most of my classes this past semester: I took a Criminal Adjudications class with my favorite professor which I absolutely loved, I took an appellate procedure writing class to prepare for my moot court competition in the spring which was so informative and helpful and I surprised myself by getting through a very challenging commercial paper class despite my lack of natural ability in those type of classes. My grades are trickling in slowly and thus far I have been very pleased and my GPA is rising. In between the craziness of school and life, I did get a chance to go to two amazing concerts: I saw the legend himself, Sir Paul McCartney, and he was just as fantastic as I expected. I also saw my favorite artist of all time, Garth Brooks, and it was the absolute best night.
During the early Fall semester, I competed in my school interscholastic appellate advocacy competition. This was fashioned in the format of Moot Court and involved weekly head to head argument sessions that eliminated one person each time, bracket style. I made it all the way to the final four in my class which involved arguing in front of three federal judges and my entire school. It was a grueling experience on top of all my regular school work and my job but it was such a wonderful opportunity and I grew so much as an advocate through it.
We had a lovely, quiet holiday with family and enjoyed a white Christmas for the first time in years. The snow is still hanging around and I am hoping we can sneak in a ski trip sometime soon.
That brings me to now- winter break. I have been lounging around the house, reading novels, drinking too much hot tea and completing some various little projects and cleaning/organizing around our home. This time to relax, reflect and rejuvenate had given me some time to think toward the new year and all that I want to accomplish. 2018 will bring another semester of law school, my first moot court competition, a new internship, a Carribean cruise in May and I am sure many other adventures. I did sit down to make out a few goals.... we shall see how I do with those.
2018 Goals
1. Make My Health a Priority
I recently purchased a treadmill and I am absolutely determined to get in shape and run a 5K in 2018. I have a Fitbit, I have a jug of lemon water in the fridge and I am ready to get in shape. I am tired of spending my days hunched over a desk and feeling like a bump on a log. I am also starting the Tone It Up 5 day Detox tomorrow (you can still sign up and it' completely free!) and even once that ends, I am vowing to eat healthier and improve my overall wellness in 2018.
As a part of improving my physical wellness, I am working on my mental wellness as well. I have been on a mission to remove as much negativity from my life as possible- cut out toxic friendships and toxic influences. I am trying to make an effort to seek out the positive in every day... something I have always struggled with as I can be a somewhat glass half empty type of person. But I am vowing to try see the glass half full from now on. I am vowing to be a better friend, a better daughter, sister, wife, dog mom and overall better and less negative person.
Also, I am working to make social media a little less toxic. The beauty of social media is the connections and relationships it fosters. The ugly side of social media is that it encoruages comparing yourself to everyone else and only seeing the highlight reel of peoples lives. This can feed into my natural propensity for not seeing the positive so I am trying to delete any negative influences through social media and make a constant effort to see the best out of social media and not compare myself to the highlight reels of seemingly perfect Instagram feeds. I know guilty of this as much as anyone else- as a blogger, I tend to carefully select everything that goes on my blog or social media and it becomes a bit of a highlight reel... I try to strive for transparency and try to keep it real but I, like most, fall into the trap of only showing the best parts of life on social media. In the new year, I am going to try to keep in mind that behind every gorgeous, jealousy-inducing Instagram feed, is a normal person who has struggles and ugly moments just like me... letting that jealousy from comparing myself eat away at me is just silly so I am going to try my hardest to avoid that from now on.
Similarly, this is true in law school as well. It is a competitive environment. It is easy to compare your grades to others, be jealous of someone else internship or job... this is not helpful. In the new year, I am doing all of this for me. The only grades I am trying to be better than is my grades from last semester. The only internship I care about is my own. I am getting this law degree for ME and the accomplishments of everyone else is irrelevant to that goal.
2. Professional Networking
As an aspiring attorney, networking is so key in getting jobs in the future. In fact, both my internships thus far in law school have been the result of pure networking and had nothing to do with my grades or anything else. In the new year, I am setting a goal to increase my legal contacts through networking and start setting myself up for the post-graduation job f my dreams.
3. Be a Better Wife
In the hustle and bustle of life, I have realized I often forget to put my husband first. Remedying this is one of my goals for the new year. I am blessed to be married to a thoughtful, sweet, patient man who goes out of his way to make my life easier and works so hard to support me through law school. My goal is to remember to thank him more often, send a surprise note and cookies in his lunch more often and make at least one evening a week a date night where I turn off everything else spinning around my mind and focus on my husband and my marriage. After all, we are still technically newlyweds LOL.
4. Explore
It is easy to get caught up in the day to day routine and forget to explore. When I was in Europe for study abroad, I explored: I tried new things, stumbled upon crazy adventures and had the time of my life. I am not in a place in life where exploring can be European vacations but it doesn't mean that I have to stop exploring completely. In 2018, I am going to make exploring more of a priority. I am going to explore other places through books, I am going to explore my city on weekends, I am going to explore my limits by pushing myself out of my comfort zone and eat new foods, try new drinks... basically I am going to treat everyday life like it's a European vacation and find the beauty in every day, ordinary things and attack life with the mentality of exploration.
So that's my recap of 2017 and my goals for 2018... I am really looking forward to another great year. Hopefully, I can stick with my goals! I hope everyone has a safe and fun New Year's Eve and a wonderful 2018.
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michiganprelawland · 5 years ago
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Johnson & Johnson In Court: Did A “Family Company” Fuel The Opioid Crisis In Oklahoma?
By Matt Schwartz, Michigan State University Class of 2020
July 8, 2019
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About 11.4 million Americans misused prescription pain medicine in 2016 and 2017 and The National Institute on Drug Abuse estimates that approximately three out of four new heroin users start out using prescription drugs. According to a provisional CDC count, during 2017 there was more than 72,000 overdose deaths in the United States, including 49,068 that involved an opioid. According to the US Department of Health & Human Services (HHS), more than 130 people died every day between 2016 and 2017 from opioid-related deaths [1]. 
The opioid crisis is viewed as an epidemic that is fueled by a multitude of companies and problems, visibly seen as Nevada has more than 40 defendants in their lawsuit of opioid manufacturers and distributors [2].Oklahoma originally had a lawsuit against two other companies for the crisis in their state. The first was Purdue Pharma who settled with the state in March for $270 million. Another defendant previously in the case, Teva Pharmaceuticals Ltd., was an Israel-based producer of generic medicines, which including opioids, and settled with Oklahoma for $85 million on Sunday, May 26th. A settlement is not an admission of guilt, as said by the company in a statement. “The settlement does not establish any wrongdoing on the part of the company; Teva has not contributed to the abuse of opioids in Oklahoma in any way” [3]. Now, the case is only against Johnson & Johnson. This one company is seen critically by the prosecuting side—in a motion by the state, the company was given the moniker of kingpin. “The public, on the other hand, deserves to know the face and name of the source, supplier and kingpin responsible for flooding and infecting this country with an unprecedented surplus of deadly drugs – J&J a ‘family company’” [4]. This is because Johnson & Johnson held former ownership of two companies that produced narcotic material for drug manufacturers, including Purdue Pharma—one of the three companies previously on trial in Oklahoma before a settlement. Additionally, the company has ownership of a wholesale opioid ingredient business in Tasmania and had additionally bought poppy growing companies in Australia to supply the raw narcotic for its own medicines and for other American drug makers.
Johnson& Johnson lawyer John Sparks refutes such claims by the prosecuting team by saying that Oklahoma is attempting “to group all manufacturers together with general and broad allegations” [3]. The rationale for him saying this is due to where the case is taking place. Johnson & Johnson only sold two products in Oklahoma—a fentanyl patch named Duragesic introduced in 1991 and a pill named Nucynta that began being sold in 2009. “The company’s products represented less than 1% of Oklahoma Medicaid opioid prescriptions from 1996-2017”[5].
Kolodny, co-director of Opioid Policy Research for the Brandeis University Heller School for Social Policy and Management in Massachusetts, also accused Johnson & Johnson of funding pain-treatment organizations and other groups in what he termed an “opioid Mafia” [5]. The view that Johnson & Johnson is a so-called “king-pin” or “opioid Mafia” is a strong allegation from the prosecuting team.“The state’s case is based upon a simple theory, reiterated throughout the trial by lead plaintiff lawyer Brad Beckworth: “If you oversupply, people will die” [5]. Another way to oversupply could be seen in how a company markets their drug, which is another area of complaint from the Oklahoma Attorney General, who believes that the company used deceptive marketing. Johnson & Johnson lawyerLarry Ottawayrefutes such claims of deceptive marketing saying that their companies marketing statements were “no different from those made by the US Food and Drug Administration in 2009 which said painkillers, when properly managed, rarely caused addictions.” "We're not mocking anyone, but facts are stubborn things," he said [6]. “The FDA-approved labels for these prescription pain medications provide clear information about their risks and benefits,” New Brunswick, New Jersey-based Johnson & Johnson said in a statement. “The allegations made against our company are baseless and unsubstantiated” [7].
Another important factor, a reason for many other states and municipalities to be watching this case carefully, is to see how the public nuisance strategy will be seen in the court of law. Andrew Coates, a University of Oklahoma law professor and Dean Emeritus, says that a typical public-nuisance claim “might target a hazardous waste site that poses an illegal threat to a community’s welfare… Here, the state is pushing into uncharted waters with its use of the law in what he considers to be a product-liability case. One advantage for the state in doing so is Hunter won’t have to prove injuries to specific residents” [8]. Unlike a conventional lawsuit that seeks compensation for damages already incurred, the state is asking Johnson to pay to “abate” the nuisance it is accused of creating, going forward [3]. The state argues that Johnson & Johnson created a public nuisance which will cost between $12.7bn (£10.02bn) and $17.5bn (£13.8bn) to remedy over the next 20 to 30 years [6]. “If the Oklahoma folks can pull this off, it will give other states, along with the cities and counties, more confidence in their public-nuisance claims” says Richard C. Ausness, a University of Kentucky law professor who monitors opioid litigation [8].
While this is the first opioid trial using the legal theory of public nuisance—attempting to hold pharmaceutical companies, distributors and pharmacies liable for the nation's addiction crisis—critics claim the state’s case is really a products liability case.“There is a historical significance to the public nuisance argument. “Public nuisance laws, which are centuries old, were invoked when something interfered with a right common to the general public, traditionally roads, waterways or public spaces” [3]. Public nuisance laws have been used in more contemporary cases and this opioid case is similar to “lawsuits filed against tobacco makers in the 1990s, when states sought reimbursement for spending on smoking-related illnesses” [8]. Before going to trial, companies namedin the tobacco lawsuit agreed to a settlement—similar to Purdue Pharma and Teva Pharmaceutical.“After that, similar nuisance claims were brought against other industries, including lead-paint makers. In 2013, a California judge ordered Sherwin Williams Co., NL Industries Inc., and ConAgra Brands Inc. to pay $1.1 billion to address public problems caused by their lead-based products. The award later was cut to $400 million.”[8].However, there are risks involved with this strategy. “In 2003, a federal jury ruled the National Association for the Advancement of Colored People couldn’t prove the firearms industry created a public nuisance in New York or harmed members of the group” [8].Another example involving this strategy to fail was last year when a federal judge in New York last year threw out the state’s lawsuit seeking to hold five of the world’s biggest oil companies financially responsible for contributing to climate change” [8].
As for opioid manufacturers being a public nuisance, there is a long causal chain that involves heavily regulated, FDA-approved drugs with therapeutic purposes that are prescribed by doctors. This makes a case like this more difficult due to the difficulties in assigning blame. “You’ve got to make connections from the behavior of the named defendants to some endpoint,” says Lars Noah, a law professor at the University of Florida. “You have to explain how that endpoint qualifies as a substantial interference with a right common to the public” [9]. Elizabeth C. Burch, a law professor at the University of Georgia, said that “the companies had prevailed by arguing that once the product left their facilities, they were not the direct cause of the ensuing harm or in a position to remedy it.” That means that for this case opioid defendants will align with the prevailing argument and “contend that the connection between manufacturers and overdose deaths is too attenuated” [3]. Both sides have rebuttals and evidence to demonstrate their point; with another month left to this court case many will be watching closely. This is especially true due to the high-risk strategy of using public nuisance laws since such“claims are somewhat adventuresome,” notes Alexandra Lahav of the University of Connecticut School of Law. “It’s not an area that has been well litigated. So whenever you have a public nuisance claim, you are always striking new ground. That’s more opportunity, but it also means it’s hard to predict for us looking from the outside what this judge is going to do” [9]. For these reasons, many are watching closely to see how this high-risk strategy will do in the Oklahoma court of law.
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1.       https://www.cnn.com/2017/09/18/health/opioid-crisis-fast-facts/index.html
2.       https://www.cnn.com/2019/06/18/health/nevada-opioid-lawsuit/index.html
3.       https://www.nytimes.com/2019/05/26/health/opioid-trial-oklahoma-johnsonandjohnson.html
4.       https://static.reuters.com/resources/media/editorial/20190314/oklaopioids--unsealingmotion.pdf
5.       https://legalnewsline.com/stories/512646956-at-opioid-trial-johnson-johnson-moves-to-strike-oklahoma-witness-as-de-facto-member-of-state-s-legal-team
6.       https://www.bbc.com/news/world-us-canada-48437082
7.       https://www.insurancejournal.com/news/southcentral/2019/05/24/527476.htm
8.       https://www.insurancejournal.com/news/national/2019/05/27/527539.htm
9.       http://fortune.com/2019/06/07/johnson-and-johnson-opioid-test-case/
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