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How to Trademark Your Business Name

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First order of business, know that in order to trademark your company name you must first be planning to use it for commercial purposes.

Also your name must be distinctive to your firm, and not a generic type of name like ACME Cleaners.

If you want to register your trademark with the federal government you need to do some research to be certain that another company is not already using your name for their business.

Only after you, or your attorney, have determined that no other company has trademarked your intended name can you file an registration application.

It is a complex process that must be done correctly or else you could lose the use of your business name. I suggest you use a low-price online legal service for your trademark registration. Save money with this Legal Zoom promo code coupon.

Trademark Name Restrictions

You are granted the exclusive right to use certain words, phrases, symbols or designs to identify your business with your trademark registration. These are identifying features that mark your company and goods as different and separate from your competitors products.

In order to trademark a name you must be using it “in commerce” as per the USPTO, United States Patent and Trademark Office, either currently in sales transactions or have intention to use it commercially in the near future.

Protection via trademarks are only granted to distinctive names and logos. Basic generic names will not qualify for trademark status because they are too common and in market-wide usage already.

The strongest company names are ones that are created terms such as Microsoft, which was not a word until it was devised as the brand name.  Product names can also be trademarked such as those with distinctive names that describe a products benefits such as Easy-Off oven cleaner.

Many trademark applications for registration are rejected because there is deemed by government officials that there is a “likelihood of confusion” with another previously registered trademark or one that is pending application approval.

In these cases usually one or both of these conditions exist; the two company marks (names and logos) are similar in look or words and they are used on related goods and services from the same industry.

The United States Patent and Trademark Office take the issue of consumer confusion very seriously and will reject trademark registration applications if they suspect it will create marketplace confusion between companies.

Your trademark application needs to detail the kind of goods and services you will use this trademark on.

Trademarking a name is a three-step process detailed below:

Step 1 – Trademark Name Search

You must check if there are potential conflicting applications or approvals in the trademark database before you complete and submit your application.

Use basic research strings in the USPTO database to match your business name. Experiment with the word order and different spellings to check all possible issues before you submit for trademark.

Continue to a more thorough search to include state directories of business registrations and online directories to find those firms that are currently using similar names but have not formally registered their trademarks.  Even if they did not file applications they have protection for that name under state and common laws which may cause lawsuits and issues later on.

Step 2 – Application Filing

After you have determined that your name is available you must file an application with the USPTO. You can apply online by using the Trademark Electronic Application System.

However, I recommend that you use a good online legal services to complete and file this paperwork.  If you do opt to do it yourself be sure to include; your name and address, the business name you want to trademark, your basis for filing which will be in commerce and include a specimen of your product label or package with your company name and logo.

Your filing fee will be between $225-325 per class of goods or services.

Step 3 – Office Actions – Oppositions or Approvals

Your application will be reviewed by examining attorney at the USPTO. If deemed acceptable it will be published in the online Official Gazette to give other people an opportunity to oppose your application. If there is any opposition you may need legal help to get to a good resolution.

If there is no opposition, or any opposition is resolved, then you will get a Notice of Allowance indicating that you trademark has been formally registered and you can begin to use it with the registered trademark symbol R.

 

Potential Negative Health Impacts of Having an MRI

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The MRI has become a critical part of medical diagnostics, allowing physicians to detect abnormalities in soft tissues, much like x-rays have permitted the viewing of bones. Although it has been an invaluable tool for diagnosis of medical problems, the process involves a number of risks that patients should know. Here are a few issues you should discuss with your physician before getting an MRI.

Magnets

The MRI machine works by generating a strong magnetic field around the subject, while powerful radio waves are directed at the body. The information is then sent to a computer, which translates the data into an image that can be used to detect abnormalities in the soft tissue. Some people may be advised to avoid getting an MRI. Devices like pacemakers, aneurysm clips, gastrointestinal clips or dental implants can be affected by the strong pull of the magnets. Even individuals who work with metal, who may have tiny metal splinters in the eyes, are warned against having an MRI. If you have received a medical device that might contain metals that might present a problem during an MRI, you should ensure that your physician, as well as the technician, is aware of the issue. They will be able to provide more information about the safety of the material in regard to the MRI.

Claustrophobia

Patients with a fear of being in tightly enclosed places, a condition called “claustrophobia” often have some difficulty having an MRI. The machine itself is like a hollow, narrow tube that the individual is slid into, which can provoke feelings of panic and breathlessness. In many cases, the technicians administering the MRI can talk the individual through the experience, explaining how it works and what the machine is doing. However, for some individuals, this explanation will prove inadequate, and a tranquilizer must be provided to allow them to finish the diagnostic test. Some facilities offer an “open” MRI that is less confining, but these machines are not always available.

Dye Reactions

The administering of an MRI test often requires dye compounds that enhance the images and allow radiologists to see tissue more clearly, to provide better analysis and diagnosis. Recently, a dye commonly used for an MRI to create better images has been linked to negative health effects. The dye contains a metallic compound called gadolinium, which appears to be retained in tissues of the body for long periods of time. A gadolinium lawsuit involving a patient who received the dye during an MRI, and then later developed pain, weakness and impairment of cognitive function has been filed in recent years. Concerns about the dye have cause the U.S. Food & Drug Administration to call for increased warnings about the compound’s tendency to remain in skin, bone and brain tissue.

The MRI is an important tool in allowing physicians to see the condition of tissues inside a patient’s body without having to do invasive, exploratory surgery. It has facilitated treatment of a wide range of medical problems and reduced stress to patients. However, an MRI still poses a number of hazards that should be carefully considered before agreeing to undergo the imaging. Your physician can provide additional information about MRI tests to ensure your safety.

 

Top Benefits of Stepping in Legal Profession

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There is no doubt that career options in a legal field are umpteen. You can choose from corporate firms to practicing individually when you choose a legal career. A legal career poses a mental challenge and is financially rewarding. You can choose a career in a legal profession that functions at different levels. You will grow in this sphere if you choose this profession and right path and electives. The legal profession is dynamic and ever-changing and gives you a scope of growth and expansion. Client-servicing is the crux of the legal profession. Listed below are some benefits and reasons to choose a legal professional as a career.

Diverse with many opportunities

The legal system has its tentacles spread across various sectors. Law is different for each field, and you can choose a path as a lawyer in the chosen field. Those who love the cyberspace can opt to be cybercrime lawyers. If media industry interests you, you can choose to handle the legalities of the media industry. Every option in the legal field is different and dynamic in nature. You get a stable income and live a life of prestige when you choose a legal career. As a lawyer, you need to learn Microsoft packages as well. You need to learn formulas to operate the excel sheet. Insert total row excel is one of the simplest tasks you need to learn to get started with learning excel.

Globalized markets

You need not worry about economic climates in the legal profession. Since the field is diversified, you will find a global market for the niche you choose in this profession. Law firms are globally connected, and you can help clients and firms from any corner of the world, depending upon the specialization that you choose.

Intellectually challenging

Law is a field for those who like intellectual challenges. Being in this profession, you can navigate through many situations and challenges that boost your thinking and enhance your skills. Your logic, clarity of thought, and ability to articulate any situation clearly makes you a good lawyer. The dynamic environment can boost your logic and reasoning ability.

Prosperous field

The field of law is a prosperous field. Every geographic area has law firms, and you can explore this career in any nook of the world. Regardless of the economic climate, you can find jobs in this profession. You have to spend hours grappling with clients issues. In the interim, your tenacity, grit, and ability to analyze is enhanced. You can explore this field further and choose any specialization that interests you leading to prosperity.

Serving and helping people

You are a problem solver as a lawyer. You will deal with various situations to solve problems of your clients. This experience makes you a worldly-wise person leading to the success thinking.

It is not easy to be a lawyer. If you have logical thinking and good reasoning ability, and an interest in this field, you can choose this profession. A career path in this field pushes you towards success.

Can You Claim If You Have an Accident in a Public Place?

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You probably know that if you have an accident at work that isn’t your fault and suffer a physical or mental injury or a financial loss as a result, then you may be entitled to claim compensation. But what happens if an accident occurs in a public place or on a commercial property? Your first action, after any appropriate medical treatment has been administered, should always be to seek expert advice from a personal injury lawyer, but let’s examine why you may indeed be able to make a claim if you have such an accident.

What Are the Responsibilities of Property Owners?

The first thing to emphasize is that owners of property have a duty of care to ensure that it remains safe for the public to be within or to pass through, whether it be a commercial property, a privately-owned property or one owned by a public authority. Let’s take a public swimming pool as an example. The owners, or directors responsible for it, must ensure that the water is safe to swim in at all times, that public walkways and changing areas are safe and free from tripping hazards, and that professionally trained lifeguards, with certified lifeguard skills, are in place. This applies to other public areas as well: the responsible person or people must assess the risk of any accidents and take steps to prevent them.

Has Necessary Maintenance Been Carried Out?

As we’ve seen, it’s essential for those in charge of public places and commercial areas to carry out a thorough and accurate risk assessment, but this can’t be a one-off occurrence. Buildings change over time and depending upon the use they’re put to, so the dangers associated with it will change too. Maintenance is essential in buildings, on roads and on sidewalks, and failure to carry out essential maintenance in a timely manner can have catastrophic results. Slips, trips and falls are among the most common causes of hospitalization in America, so if you suffer because of one, you could be entitled to compensation.

What Can You Claim for If You Have an Accident in a Public or Commercial Place?

Every accident is different, and the severity of its aftermath can also vary greatly from one incident, and one person to another, but if you suffer injury or other loss through no fault of your own then you should seek redress via a specialist personal injury solicitor. You can commonly claim for the cost of immediate and ongoing medical treatment related to the accident, as well as any loss of earnings that you have suffered. In the case of severe injuries, you may also be compensated for any additional expenditure you or your family will have to make as a result of it, such as adjustments to property or motor vehicles.

Making a successful claim for a personal injury isn’t as daunting, or as lengthy, as you might think. Expert lawyers will talk you through the process and endeavor to make it as straight forward as possible, as well as doing their best to ensure that you receive the compensation you need and deserve. If you’ve had an accident in a public or commercial place, don’t keep silent about it.

Types of Accidents that Can Happen

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With another summer season just around the corner, many of us will be heading out to have some time outdoors. Indeed, this is when we all want to take a break and enjoy the good weather that the summer season brings. It is great to be able to relax with family or friends in a beautiful place, but it is also a time when we are more vulnerable because we choose to leave our homes. Below I will give you some sort of ideas about what type of accidents you can expect and how to avoid them:

1. Motorcycle accidents. It is true that bikes are more dangerous than cars. Even if you are dressed in leather and have a bike helmet on you, you are still very vulnerable and many bad things can happen to you. The best advice I can give you here is to stay away from motorcycles if possible and try to choose to travel by car instead.

2. Wrongful death in a hospital. This is something that a Memorial Regional Hospital accident lawyer can help with. If you need to undergo a specific medical procedure make sure to check the hospital you will be heading to. Does the hospital in question have a history of wrongful death? Is the staff working there competent enough to ensure that you will be in good hands? Do you really need the procedure or you could do better without it?

3. Pedestrian accidents. Summer is this time of year when many drivers who usually don’t drive often head out and drive to various destinations. This means that extra caution needs to be taken when on the roads to prevent any unwanted accidents. My advice is to wear some visibility clothing to reduce the chances of being injured by a car. This way the cars approaching you will be able to see you more clearly and will be able to take notice of your presence at the right moment. Avoid any distractions if possible that can cause you to have an injury. Don’t listen to any music if this would cause you not to be able to hear the traffic, and don’t text on your smartphone while waiting on a pedestrian crossing.

Got Jury Duty? Learn the Dos and Don’ts Surrounding Your Civic Duty

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If you’re over 18 years of age, you’ve seen those mailers with your name printed on them. These envelopes are jury duty requests. You’ll be summoned at least once in your life. These proceedings may not seem exciting, but it is your justice system at work. Don’t be nervous about your trip into the courtroom. Explore these simple, dos and don’ts as you embark on a jury duty journey.

Be Punctual

Courtrooms don’t have after hours. They essentially run from 9 a.m. to 5 p.m. Ideally, arrive early to your first day on jury duty. There’s normally an introductory video that you must watch. Pay careful attention to break times and lunch hours. Every courthouse is different. You want to leave as soon as possible, but give yourself enough time to venture back into the building when it’s time to reconvene. As a juror, you can actually hold back a trial if you’re late.

Answer Questions With Honesty

You’ve waited your turn to enter the courtroom. You’re now part of a panel of potential jurors. Questions will be asked of you by the lawyers, including the professionals at Cordell and Cordell. Answer every question to the best of your knowledge. These questions are designed to eliminate certain people from the jury pool that may not match the case. The lawyers can dismiss you at will. Don’t be hurt by any dismissal, however. You may not be right for the case, which works in everyone’s favor at the end of the day.

Maintain Flexibility

You’re understandably out of your comfort zone when you’re called to jury duty. Rescheduling your entire day is frustrating, but maintain some flexibility. You may have a one-hour lunch instead of two hours. The judge might hold the court until 5 p.m. or beyond. By maintaining some flexibility with your time, the process will be more enjoyable than not. Remember that a person is being judged by his or her peers, and a sentence may come down very soon. A relaxed demeanor is better for everyone in the courtroom.

Silence Those Cellphones

Most courthouses require phones to be turned off inside the courtrooms. Be aware of the rules so that a ringer doesn’t go off during the proceedings. Showing your respect for the court makes you a valuable juror. Judges have every authority to remove you from the courtroom if electronic distractions continue on.

Listen to Instructions

You are at the courthouse to perform a job. If you receive a case and listen to the evidence, you’ll eventually enter the deliberation room. Before you come up with a verdict, listen and understand the directions put forth by the judge. A case may be fascinating, but you’re debating whether or not a person is guilty of a certain aspect. Always stay on topic in the deliberation room. The defendant’s judgement may be improperly weighed if the instructions are warped or skewed in any way.

There will be a lot of banter between attorneys in the courtroom, including professionals at Cordell Cordell, but be patient with the process. Each side is trying to put their best foot forward. Put yourself in the shoes of the defendant. You want talented lawyers and quality jurors for a fair verdict. The justice system depends on you to uphold the process.

What to do after a car accident

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Since the summer season is about to start again soon, I decided to write a few words about safety on the road or generally outdoors during this time of year.

I am sure that you are going to agree with me that summer is not a good time for everybody when it comes to accidents and traveling. Even though roads are not slippery in summer, still many accidents can happen on the road as simply so many people decide to travel to various destinations.

Summer is also this time of year when many of us engage in various activities including sports. Sports are a wonderful and healthy activity, but the problem is that you never know when you might fall and hurt your back or leg.

I know it for a fact that injuries and accidents are more likely to happen during summer as the weather is usually good and many people like to spend their free time outdoors, and it is not a secret that accidents are more likely to happen outdoors rather than indoors.

If an accident including a car accident has already happened to you and you feel helpless not knowing what to do, you can always hire Opa-Locka car accident attorneys and ask them for help, especially if you do not have any previous experience with such matters. That way you will make sure that you are going to get some money back for all the suffering you had to endure.

If you injured your back in a car accident or in any other way, you are no longer fit to work for some time. This means that you will not be able to make the money at work. Hire a lawyer to get the compensation to get what you deserve. If you had an accident, this is going to mean that you cannot work for some time. This can be inconvenient for you and all those who depend on you.

The Legal Aspects of Self-Storage Units

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The moment you decide to rent a storage unit you need to sign a contract to ensure that you get the key to the unit. As usually, you need to be sure what is in your agreement that gives you access to storage units such as storage units Phoenix.

As usual, it does matter what you include in your contract. A few things need to be taken into consideration such as who for example is going to have access to your unit. Be very careful while naming those who have a right to enter it. Make sure that you only name those whom you can trust including your family and friends.

Some people wonder what you can or cannot store in a storage facility. You can store almost anything there provided that it does not pose a danger to other storage users. Here are some of the most popular items that people store in self-storage facilities:
1. Furniture. It is probably not a surprise since many people might want to get rid of some of their furniture and then bring it back home when they have more space for it. this will be especially valuable to you if you are in the process of moving, but also when you want to de-clutter your home.
2. Electronics. Again, no surprise here. It is usually businesses who tend to store more electronics, but you will find some individuals who want to do it as well because they might want to keep some of their electronics such as computers for future use. They might for example think that their computer will come in handy in a few years time when they are children are old enough to use it.
3. Documents. Mostly companies do that, but you will find from time to time those individuals who have so many documents that they prefer to rent a storage unit to hide all of their papers there. When yo9u choose to store your important documents make sure that they are insured against theft, fire, as well as other hazards. It night be impossible to recover those documents in case of fire.

How To Stay On The Right Side Of The Law While On Vacation: 4 Tips That Could Keep You Out Of Trouble

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No-one wants to get into trouble while they’re on vacation, but it does happen, and it can potentially taint your time away. The good news is that you can stay on the right side of the law if you know what you can and can’t do in your choice of destination.

Read Up On Local Laws

Try to read up on local laws, and find make a note of the laws that mean you may have to change your behavior in some way.

For instance, in some parts of the world, your vehicle may not need a visible license plate, whereas in other parts of the world you do. Find out what the local laws are so you don’t get into trouble for speeding, aggressive driving, or not having a license plate.

Don’t forget that some countries drive on the other side of the road, so make sure you’re aware of the local traffic laws, and how they affect you.

Respect Local Laws And Customs

It’s very important that you respect local laws and customs while you’re on vacation, even if you do not agree with them.

For example, some countries forbid the consumption of alcohol. You could be forgiven for thinking that it’s ok to have a few drinks in your hotel room out of sight, but this is still considered an offense in some countries.

Respect the local laws and customs, and you shouldn’t get into trouble.

Taking Photographs

When it comes to taking photographs on vacation, you’ll probably find yourself being quite snap-happy. However, you may need to ask permission if you want someone to appear in your photographs, as taking the photograph without asking could cause offense.

If your request is declined, please accept that sometimes people just don’t want to be photographed.

If you’re visiting a foreign country, you’ll need to make sure you are careful about who and what you photograph, especially when it comes to the local military, government buildings, and even some airports.

Ask permission if you’re not sure whether you can get your camera out. It doesn’t hurt to ask and you could avoid getting arrested for something that you consider to be entirely innocent.

Dress Appropriately

In some vacation destinations, it may not be deemed appropriate for you to wear shorts, or to walk around bare-chested.

Many people love to relax on their vacation, and sometimes this involves exposing a little more skin than usual, however, you need to dress appropriately to the country you’re vacationing in.

Dress appropriately, and you’re less likely to cause offense and be asked by a police officer to put more clothes on. If you’re too hot, go back to your hotel room, re-hydrate, cool down and become accustomed to covering up a little more.

You probably go on vacation to relax, enjoy yourself and forget the stresses and strains of everyday life.

However, if you’re vacationing in a foreign country, or simply visiting another state, you need to be aware of the local laws and customs so you don’t cause offense. Stick to the laws, respect the customs, and you shouldn’t find yourself in trouble.

 

 

 

 

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Law Practice Marketing

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The success of a law practice heavily depends on the marketing strategies you choose to use. Gone are the days when word of mouth used to be the only thing you had to worry about. In the Internet era, this sort of planning is not enough and if you don’t take care of this aspect of running your practice you are living in the dark and will start falling behind.

I could write a lot about law practice marketing, but in this post I would like to focus a little bit on the strategy known as PPC management, which comes in the form of this PPC Agency Clicteq. When done right, a legal practice has a chance to be found easily on the Internet at the right time to allow more customers to appear at your doorstep.

Reaching your prospective clients can be outsourced to somebody specialising in PPC marketing. This person, or an agency, has the right tools to conduct all sorts of steps to allow your practice to appear highly in search rankings. Sometimes all that needs to be done is choosing the right set of keywords, although in fact this can be a rather difficult task and time consuming as well. Choosing the right set of keywords needs a lot of experience, expertise, as well as knowledge, because different keyword combinations will yield different results. It all depends what kind of practice you are and what kind of money your are willing to invest. there are some very competitive keywords that you might want to battle for, but sometimes going for something that is less obvious might be the best choice. The good news that the owners of legal practices do not have to worry about such things because with the right kind of help coming from a PPC agency a lot can be accomplished.

PPC marketing has been working for many practices for over a decade and it seems that the popularity of this strategy is not going to fade any time soon. The market has been changing over the last couple of years due to the practices undertaken by Google as well as other search engines, but good and trusted PPC agencies have been following those trends and they know how to implement them to help their clients grow.

The personal injury claims process explained

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If you have been injured in an accident that wasn’t your fault and you would like to find out if you have a valid claim for compensation, the first task will be to discuss the accident with some personal injury solicitors. This will be the case whether you have had an accident at work, been injured in a car accident, have been the victim of medical negligence or have slipped on a wet floor in a shop.

Choosing a personal injury solicitor

As with all professional services, it is worth speaking to at least two or three different firms before you decide who to hire. This will not only give you an understanding of the services being offered by each firm, but it is also an opportunity for you to find out how you actually get on with them.

This is often overlooked, but as the claims process can take anywhere from six weeks to over a year to complete, it is important that you feel comfortable and confident in your chosen injury lawyer.

For each firm you contact, you should be provided with a free consultation. This is where the firm will discuss your accident and the injury or injuries you have suffered and will determine if you have a valid case.

During the consultation phase, it is a good idea to ask a few questions to help you decide who to hire. Some of the questions you might want to ask include whether they will offer a no win no fee service, have they worked on similar cases in the past and what will be the success fee will they charge if the case is won?

Once you have chosen the solicitors you want to hire for your case, you will be sent some paperwork that you will need to sign. This will include the no win no fee agreement, also known as a conditional fee agreement (CFA). This will need to be signed and returned, and officially instructs and authorises the particular firm to act on your behalf.

Gathering evidence to support your claim

After being officially instructed as your representative, your personal injury solicitor will begin the process of gathering evidence and information to support your case.

What evidence is collected will largely depend on the type of accident you have had. Examples of possible evidence could include photographs, witness statements, medical records, police reports and accident records.

All personal injury claims will also need medical evidence to confirm the type of injury or illness you sustained, as well as any ongoing issues. For example, will you need to have physiotherapy, are you going to be left with any permanent pain or difficulty carrying out certain tasks, etc.

The details of your claim are recorded in a letter of claim, which is sent to the defendant. This confirms that a personal injury claim is being made against them, the accident they are being held responsible for and the injuries that have been suffered.

The defendant, or most likely their insurance company, will then have to decide whether to accept or dispute liability for the accident.

Negotiating a suitable compensation award

If the defendant accepts liability for the accident, the next step will be for both parties to begin the negotiations for how much compensation the claimant should be awarded.

The amount of compensation will be based on an assessment of the injuries you have suffered, the impact on your life and any financial losses you have faced. Perhaps you have had to take time off work, had to pay for medical treatment or have needed to spend money on taxis to transport you to and from doctors appointments.

In some cases, the defendant may accept the amount of compensation being asked for by your solicitor. But in most cases, there will be some back and forth negotiations before a settlement agreement can be reached.

Once an agreement has been made, the case will be concluded, and you will receive your compensation award. Your solicitor will take their success fee from the payment before the balance is forwarded on to you. The success fee would be agreed with you in advance and can be a maximum amount of 25%.

Taking court action for personal injury

The vast majority of claims for personal injury and medical negligence are settled without any need for court involvement. One of the key reasons for this is the huge legal costs that can be incurred by going to court.

However, there are situations where court action may be needed. The first of these is if the defendant denies liability for the accident or injury. The second is where the defendant accepts liability for the accident, but an agreement cannot be reached regarding the settlement award.

If the courts are required, your injury lawyer will be there to provide you with advice and guidance along the way. If the decision goes in your favour, you will then receive your compensation, and the case will be closed.

Explaining the Ogden tables change and how it will affect truck fleet insurance

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We are always shocked to hear when a driver has a horrible industry at work. Unfortunately stories such as these are common. Sadly news frequently reports catastrophic accidents caused by commercial vehicle drivers. Although this type of accident has irreparable damage, we do expect the victim to receive compensation. Whether life altering or fatal, accidents on the roads are a sad certainty; but certainly if we were the victim, we would want our loved ones suffering to be minimalized by payment of appropriate compensation.

What are the Ogden tables

Published by the UK  government, the Ogden Tables enable appropriate calculation of compensation for a victim. These are used in cases in the UK of both personal injury and death.

Why are the Ogden Tables important now?

There has been a recent way in which the Ogden tables are calculated. The key change is that the victim is now seen as a risk adverse investor. As such, accounting for the lower rate of interest they will receive when investing a lump sum, a higher initial payout is necessary. Elizabeth Truss made it clear she believe the tables now have right rate to compensate claimants.

Although we want to expect an appropriate pay-out in the case of an accident, this change has caused the insurance industry turmoil.  Underwriters are being forced to look at how they will cover these increasing pay-outs. It resulted in dropping share prices, and statements from a number of insurers, and their trade organisation, to highlight their unease with this increase.

How will this affect Truck Fleet Insurance?

Unfortunately a disproportionate number of accidents on the roads are the responsibility of commercial vehicles. According to the Campaign for better transport HGV fleets are involved in 52% of motorway fatalities. Despite HGVs comprising only 10% of the traffic on the roads.
As a large claim, for example as the result of a fatality, is statistically more likely for HGVs, this cost to the insurer will likely be subsumed into the insurance premiums that truck fleet operators pay. As insurance underwriters comprehend the impact the change in the Ogden tables has, this will be included in their risk calculations.

Is this likely to change the cost of my other motor insurance policies ?

It has been reported that the change in the Ogden rates will have an impact on the cost of commercial fleet insurance paid by businesses, as well as personal premiums. But it has also been highlighted that insurance premiums remain competitive in the UK. As businesses and individuals take the time to seek the correct coverage. Motor trade insurance policy holders for example benefit from specialist brokers who negotiate the best deal to abate the increase in premiums. There are increasing ways to compare insurance products in niche sectors such as the motor trade.

With increasingly congested roads it is more important than ever before that drivers stay vigilant, whether driving for themselves or for work. But unfortunately accidents happen, and for HGV fleet operators a suitable insurance product is a good investment, in the case of claim. Even in the scenario of no claim being made, the added value of peace of mind is important. With the right insurance, the numbers on the Ogden Tables do not constitute a risk, as even with the higher level payouts, with the correct insurance policy a business will be covered.