The coverage that you have on your policy is one of the most important steps prior to ever having an accident. Having the correct insurance will protect you in case the other driving does not have insurance and you have to use your policy to pay for your damages and injuries.

The key points to review in your policy are:

• Policy limits and deductibles
• Towing, rental vehicles
• Windshield coverage

You should have a declaring page from your insurance company that shows the information above. Make sure the information is what you specified to your agent. If not contact your agent immediately and request a change.

There are six types of basic insurance. They may be called other terms from what is listed below but these 6 cover the most widely used terms. These types may vary between states and certain states requirements may be different or not offered. Check with your insurance agent if you have questions.

Insurance limits are important. You should have enough coverage to protect your family and home in case of an accident. Insurance companies sell umbrella policies which can protect you to 1 million dollars. Check with your agent & review your policy.

If you or a loved one has been injured in a New Jersey auto accident or Philadelphia car accident contact an experienced New Jersey auto accident attorney. The insurance companies are not on your side. Call Philadelphia car accident attorney and protect your legal rights.

The Law Office of Andrew A. Ballerini
Harvard Law Building
1522 Route 38, Suite 202
Cherry Hill, NJ 08002-2214
Phone: 856-665-7140
Toll free: 800-989-5297 (LAWS)
Fax: 856-665-8885

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The law now recognizes that modern medicine is more than just the science of healing; it is also big business. Some of the most important developments in law in the last fifty years have been in the area of your rights as a patient, particularly your rights to quality medical care and to sue when you are injured by a doctor’s carelessness.

A discussion of your rights as a patient necessarily revolves around “medical malpractice.” Medical malpractice is simply the negligence (carelessness) of a doctor in diagnosing or treating your condition, which results in injury to you. A few examples of malpractice include reading an X-ray backward so that your healthy left kidney is removed rather than the diseased right one; your good right knee is operated on instead of your bad left one; using an un-sterilized needle or thermometer, resulting in an infection to you; leaving a sponge or surgical instrument in a patient after an operation; injuring an infant during delivery because of too much pressure on the forceps; misreading an X-ray so a broken bone goes undetected; performing unnecessary surgery; failing to advise you of the possible consequences of an operation or the side effects of a drug; carelessly performing surgery so that an artery is severed or an organ is damaged; allowing a semiconscious or elderly patient to fall out of a hospital bed because the guardrails were down; and subjecting a patient to too much radiation.

Not every untoward result means the doctor has committed malpractice. Unexpected things sometimes happen despite the best care. The doctor is liable for injuring you only if he or she used less skill and care than other doctors use in doing the same thing. In legal terms, the question is whether the doctor failed to “possess and use that degree of learning, skill, and care in diagnosing and treating the patient’s condition that a reasonably competent doctor would employ in the same circumstances.” In plain English, the question is whether the doctor made a mistake that another doctor would not or should not have made under the same or similar circumstances.

Medical malpractice isn’t limited to just doctors. It applies to “health care providers” of every kind – hospital, nurses, medical technicians, dentists, psychiatrists, psychologists, optometrists, chiropractors, osteopaths, acupuncturists, and others.

Medical malpractice is a complicated area of law. Contact New Jersey medical malpractice attorney for your free consultation. CALL NOW: 800-989-5297 (LAWS)

The Law Office of Andrew A. Ballerini
Harvard Law Building
1522 Route 38, Suite 202
Cherry Hill, NJ 08002-2214
Phone: 856-665-7140
Toll free: 800-989-5297 (LAWS)
Fax: 856-665-8885

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