Riding a bike is fantastic like any outdoor activity these days. It’s becoming an essential type of workout in the days of non-stop stress. The job is taking a lot of time for an average American citizen. Even in these excellent outdoor activities, there is a chance to become a participant in some accident. You should always know your rights and lean towards them in urgent situations. There is all kind of compensations when it comes to bicycle accidents.

You may be entitled to compensation for the following:

Personal Injuries

You can claim compensation from severe bruising to broken bones and even psychological damage like depression, as long as they are caused as a correlation with the results of the accident.

Bicycle Damage

If the bike can be repaired and the cost of servicing is less than what the bike was worth before the accident you can claim the repair coast. If your bike is damaged beyond repair or the cost of repair is higher then the value of the bike, you can claim amount that is equal before the accident. You will need paperwork and written estimates from the bike shops to claim for bike damages.

Property damage

You can claim compensation based on any damage related to your items and belongings. This will include any article of clothing, cycling helmet or any additional attachments on your bike.

Loss of earnings

You can claim for loss of profits if to need to stay out of work because you need to recover from the injury. Providing evidence of how much you would have earned if you had not been forced to miss work. If you are a paid employee, loss of earnings covers all possible sources of income from basic pay to bonuses. If you are self-employed, your potential loss of profits can be taken into consideration. If you are unemployed and looking for a work at the time of the accident, you can claim compensation for potential loss of earnings if the crash kept you from getting a job.

Additional travel costs

If your bicycle was you main transport and post-accident, you are forced to take public transportation or make other arrangements. You can claim compensation based on the mileage traveled.

Non-economic Damages

If you have any mental trauma or disability after the accident, you can file these as an individual’s case demands. These types of damages include pain and suffering, emotional distress, loss of enjoyment in life and loss of consortium. Having the right documentation from a valid medical institution is essential. PTSD (Post-traumatic Stress Disorder) is affecting more and more people who were in some accident. In any of the cases, you need to produce evidence regarding receipts and other documentation. This is not a straightforward process, so it’s in your interest to contact a personal injury solicitor than to try to claim compensation yourself.

Call us today for more information – +1 480-757-5000.

If you are a part of these type of accident, please seek medical attention first!

Liability Car Insurance Arizona

The state of Arizona has a unique condition regarding the legal requirements. The driver must have financial responsibility for damages that may occur during the accident. One of two forms needed is proof of liability insurance or Certificate of deposit of  $40,000 assigned to the Office of the Arizona State Treasurer. This proof is required as you became the citizen of Arizona.

Arizona residency is determined by the following:

  • Working in the state of Arizona
  • Being in Arizona for at least 7 months in one calendar year
  • Registering to vote in Arizona
  • Owning a business in Arizona with in-state vehicle
  • Paying in-state tuition for yourself or your children

Optional types of coverage can save you money, in addition to liability insurance. Arizona car insurance to provide this offer!

Proof of Financial Responsibility

In the state of Arizona, you must prove your financial responsibility, meaning you must have money covering the possibility of an accident. If you are caught driving without proof of car insurance, you can get a minimum $500 fine and license/registration suspension for three months. Subsequent violations may result in I higher penalties.

Liability Insurance

You must carry liability insurance to prove your financial responsibility through auto insurance.

Liability insurance helps you pay for damage to others (Property and injuries )in an accident for which you are found at fault.

Liability Coverage in Arizona:

  •    Bodily injury coverage:

o    $15,000 per person.

o    $30,000 total per accident.

  •    Property damage coverage:

o    $10,000 per accident.

If you determine that you need great auto insurance, you can increase your limits and add optional coverage.

Self-Funded Insurance option

You can assign deposit (CD) account to the Office of the Arizona State Treasurer, opt out your insurance by keeping $40,000 in a certificate of that deposit you can get more information by contacting the Arizona State Treasurer’s office at (602) 542-7800.

Optional Car Insurance in Arizona

Insurance agents can offer you a variety of optional insurance coverage types that provide further protection:

Common types include:

  • Fee for Damages to your vehicle that you cause-collision coverage
  • Fee for Damages to your car caused by external factors like theft, whether or wildlife- comprehensive coverage
  • Fee for Damages or injury caused by drivers without auto insurance, or whose insurance limits do not cover your costs –  Uninsured & underinsured motorist coverage.
  • Additional coverage to pay medical expenses- Medical payments coverage
  • Additional fee if you need to rent a car after an accident- Rental reimbursement coverage
  • Pays for repairs and replacements to your windshield and other glass-  Full glass coverage
  • Collision Coverage and comprehensive coverage may be required if you are leasing or financing your car!

 Arizona proof of Insurance:

  • Your car is registered in Arizona.
  • A police officer stops you.
  • You are involved in a car accident.

Accepted forms of proof of insurance:

  • Auto insurance policy copy
  • An image of your insurance card on a mobile device
  • An insurance card from your Arizona car insurance company.

“Putting your teen in a big, boring vehicle is going to be a lot easier on the wallet than giving them the zippy small car they may want,” says Russ Rader, spokesperson for the Insurance Institute for Highway Safety (IIHS).

So, adding a teenage driver to your car insurance bundle will raise your rates, but you can control how much will they climb. Teenagers cost more to insure, and there is a reason for that! Usually, new drivers are one of the most dangerous drivers on the road, at rates several times the scale of the average driver.

Ensure your teen driver!

You should ensure all family members in the household, whether they drive your cars or not. I don’t have full custody of your child, consult insurance company. Companies have different policies regarding ensuring a teen as a single parent. Best way to approach this is that the parent with primary custody adds the new driver. A minor cannot own a property or sign contracts, without a parent’s signature or consent.

The average car insurance rate for a 16-year-old who has his or her policy is as follows, per year:

  •    State minimum coverage: $2,593
  •    Liability limits of 50/100/50: $2, 957
  •    Full coverage: $6,930

It’s better and cheaper to add teenagers to an existing policy than to exclude them, and then buy an additional car and ensure it, says consumer analyst Penny Gusner.

Think about choosing a car you can ensure at low cost

If you have a couple of cars, it can be resourceful to have your new driver assigned to a specific one, the one that’s cheapest to insure. When choosing a car, you should start with IIHS’s, which lists insurance losses by make and model for vehicles built before 2010. The vehicles with lower auto insurance losses will typically have lower auto insurance rates while providing more protection if the crash occurs.

“Bigger, faster engine costs more money to insure and more money to repair,” says June Walbert, a Certified Finacial Planner for USAA.

Having a car with a powerful engine can be a temptation to a young mind(And sometimes for an even older one), and you will probably use that kind of power. She recommends four-door sedans and crossover vehicles. Don’t overlook car Insurance discounts.

Check with the insurer to see what types of discounts for teenagers might be available.

The nationwide study done in 2010 of almost 2000 parents of teens between the ages of 15 and 19 found auto insurance costs soared an average of $800 a year just by adding a teenager to their policy.

There are good-student discounts to teens who maintain at least a “B” average. If your teen is old enough to go to college and doesn’t have a car. You’re likely to get a break on our auto insurance. That’s because the teen isn’t a regular operator. Several insurance companies offer digital monitoring devices to keep an eye on tour teen’s driving behavior.

Depending on the system installed, it might monitor specific specified behaviors like seat belt usage, speeding, hard braking, cornering and arrival and departure times.

Sexual harassment at work is a severe violation and consider one of the most challenging charges an employer can face.

General information

These are some of the basic guidelines. Any employer who is faced with some harassment problem should consult with the attorney about the possible charges. If you need consultation, please click here.

Sexual harassment at work is defined as a form of sex discrimination by federal and Arizona laws. It’s an illegal act. Most employers today are much more aware of how to prevent this through coaching and other methods to emphasize that any type of sexual harassment is unacceptable.

General examples include:

  •    Unwelcome visual, verbal, written, or physical, sexual behavior
  •    Ignoring or not responding to employees complaints of sexual harassment
  •    Sexual-based jokes
  •    Discrimination against female employees from pregnancy or the imagined likelihood of pregnancy
  •    Sexual intimidation of any kind
  •    Inappropriate touching, kissing or hugging
  •    Direct requests for sexual favors
  •    Hanging offensive signs in cubicles or workrooms depicting pornography or containing obscenities
  •    Groping

Inappropriate behavior that is committed and tolerated by supervisors or co-workers leave targeted employees with a potential case, mainly if there is no prevention at the workplace. There are a variety of factors to determine if the case reaches court. The law protects private and public employees as well as employees of the labor organization. If the sexual harassment case resulted in a job loss, there might be an additional wrongful termination claim to pursue by your lawyer. We can evaluate your harassment claim, including investigation and workplace response. If you feel victimized or forced to work in a hostile environment consult with us Today!

What Constitutes Sexual Harassment in Arizona?

Any sexual favors (Including favor exchange) is considered harassment. Hiring, promotion or wage increase as a favor for sex trade are punishable by law. A hostile environment, defined by pornographic pictures, remarks or sexual jokes is also included. These actions violate Title VII of the Civil Rights Act of 1964, which is in effect for any company with 15 employees or more. You have 180 days from the harassment incident in which to file a complaint under Title VII.

Harassment can be committed by co-workers, company owners, supervisors, clients or vendors. It can involve men’s treatment of women, but also women can harras man or women too, or men to men.  Arizona law includes companies with fewer than 15 employees also.

What is considered non- sexual harassment!

Training in sexual harassment is highly recommendable. It will determine what is and what is not considered as sexual harassment.

Example:

  • Unwelcome touching would be a single act severe enough to constitute harassment.
  •  Repeated smaller offensive actions can also constitute sexual harassment severe enough to justify an official complaint. Minor teasing or causal one-time sexual references are not generally considered sexual harassment.
  • An action must be seriously offensive and repeated on the daily basis and must cause distress to an individual.