Posts Tagged ‘medical collections’
It was recently revealed in a study that laws that ban cell phone use while driving fail to reduce crashes. According to the new Highway Loss Data Institute, there have been no reductions in crashes since cell phone bans have taken effect.
This information was obtained by a comparison among insurance claims for crash damage in four United States jurisdictions both before and after these bans.
Month to month fluctuations in the rates of collision claims in the place with restrictions were taken into account and it was shown that there was no difference between either jurisdiction. Despite the fact that the cell phone bans have reduced hand held phone use, several studies have established that talking on the phone increases crash risk. It has been determined by two independent studies that people who use cell phones are four times as likely to crash.The information that the HLDI uses doesn’t identify drivers using cell phones when their crashes occur. But the reductions of observed phone use have been so large, one would suspect that crashes should be reduced as well.
“So the new data that we have collected doesn’t match what we currently know about the risk of phoning and texting while driving,” An analyst asserts. “Clearly, if crash risk increases with phone use and there are less people using cell phones, we would expect to see a decrease in crashes. But we aren’t seeing it. Nor do we see collision claim increases before the phone bans came into play. This is surprising, too, given what we know about the growing use of cell phones and the risk of talking on the cell while driving. We’re currently gathering data to figure out this mismatch.”
There are a number of factors that could be diminishing the effects of hand-held phone bans on crashes. One factor is that drivers in areas with cell phone bans might be switching to hands-free phones because no state forbids any type of these phones. If this was happening, crashes wouldn’t go down because the risk is about the same whether the phones are hand-held or hands-free. D.C. and twenty one states do ban beginning drivers from using hands-free phones, but these laws are difficult to enforce.
Rapid Recovery Solution is a third party debt collection company. lawyer based and equipped with skiptracing tools. Get a totally unique version of this article from our article submission service
Seeing as debt at an all time high, owing a debt could seem overwhelming. Many people have looked to the internet for an answer and without a doubt they have seen advertisements claiming debt relief as a quick fix. Engaging as these ads may appear to be, it is crucial to be on the lookout for the validity of the claim.
A good deal of these promise a quick fix, but that quick fix might be bankruptcy. Yes, bankruptcy is one way to address your financial problems, but in most cases it should be a last resort. The fact that you claim bankruptcy remains on your credit report for ten years which means that your chances of getting credit, employment, a place to live or insurance are significantly lowered.
It’s always a good idea to consider other options before deciding to file for bankruptcy. Talk with your creditors. Many times a re-payment plan can be worked out that is modified or can be paid in installments. Credit counseling services can work with you and your creditors to make debt repayment plans.
When you are thinking about a second mortgage, be cautious. These loans will require your home as collateral. Bankruptcy also has the capacity to stop foreclosures, debt collection activities and it may get rid of unsecured debts. Exemptions are provided that let you keep certain assets. However, personal bankruptcy does not usually take away child support, fines, taxes, alimony and in a few cases student loans.
It will not usually allow you to keep your property if your creditor has a security lien or mortgage that has not been paid. A relatively recent tweak in bankruptcy laws creates certain hurdles that you must overcome before you can even file for bankruptcy, no matter what type of bankruptcy. First, you have to get credit counseling from an organization approved by the government within six months before filling. Also in certain cases you have to pass a test that requires that you confirm that your income doesn’t exceed a certain amount.
Mallory Megan works for a debt collection agency. She also writes articles on business, finance, the credit industry and collection agencies. Get a totally unique version of this article from our article submission service
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