Law

Separation of powers takes place between different parts of government (10/11/2010)
(...) Madison in the Federalist Papers described Montesquieu as "the oracle who is always consulted and cited on this subject." Madison described the principle as: "The accumulation of all powers, legislative, executive and judiciary, in the same hands, whether of one, a few, or many, and whether hereditary, self-appointed, or elective, may justly be pronounced the very definition of tyranny." Separation of powers is a philosophy in which each branch has its own powers. (...)

Judicial review is used to correct legislative branch errors (10/11/2010)
(...) On the other hand, judicial review is criticized because it enables judges to thwart the will of the people as expressed in popular laws. For instance, the U.S. (...)

Things to look for in an attorney before hiring him or her (10/11/2010)
(...) In an hourly fee arrangement, the client pays the lawyer an hourly rate. Lawyers' prices vary quite dramatically geographically. For less complex legal matters an attorney and client can work out a flat-fee arrangement. (...)

Public defenders are not inferior to private attorneys (10/11/2010)
(...) Sometimes these attorneys are called trial attorneys, because they have jury trials. Many attorneys work in areas of practice where litigation does not occur that frequently. These attorneys negotiate deals, file motions and do other work that does not require frequent courtroom appearances. (...)

Difference between criminal law and civil law and the basic types of crimes (10/11/2010)
(...) Hudson is a hypothetical civil case in which the party named Jones sues the party named Hudson. Criminal law cases are governed by rules of criminal procedure, while civil law cases are governed by the rules of civil procedure. Perhaps the most important difference between criminal and civil law concerns the different burdens of proof. (...)

Purpose of insurance coverage exclusion for owned or rented property (10/07/2010)
(...) This is a type of loss that is within the normal expectations of liability coverage arising out of your use of an automobile - you hit something and damage it, creating liability that your insurance should cover. Bodily injury to insured's employees This exclusion is comparable to that contained in the homeowners policies. It precludes coverage for bodily injury to employees of the insured that occur within the course of employment. (...)

Provisions applicable specifically to auto liability coverages (10/07/2010)
(...) Rather, additional coverage for that loss of consortium claim is limited to the statutory financial responsibility limits that apply in that state (which, depending on the state in question, can be as low as $15,000 per accident). Out of state car insurance coverage This is a necessary provision in light of the fact that cars and trucks are by definition mobile, creating the risk of injury or damage to others when cars or trucks are used outside the state of the insured's residence. This condition recognizes that the various states' laws as to minimum statutory financial responsibility limits vary, and provides that the policy will conform to the requirements of applicable laws, regardless of the state in which an accident occurs. (...)

Rented and borrowed vehicles and car insurance exclusions (10/07/2010)
(...) This exclusion's applicability will be highly dependent on the facts of a given claim. Business Exclusion Given the dual purposes of the average insured's use of vehicles, this exclusion is actually fairly limited in its scope. Recall, business is broadly defined as any trade, profession, or occupation. (...)

Additional coverages included by car insurance policies (10/07/2010)
(...) Higher daily limits and higher per-loss maximum limits are available from most insurers for nominal additional premiums. You merely need to ask what limits your insurer offers, learn how much the insurer charges, and make your own decision. This coverage is not coverage for transportation expenses incurred because of breakdown of your vehicle. (...)

Right to recover payment after a loss or accident (10/07/2010)
(...) ) For most persons, it is more important to recognize where coverage will not apply. First, coverage does not apply in Mexico. You need to purchase a separate policy if you wish to drive into and in Mexico. (...)

Whole life insurance provides you with lifetime protection (10/07/2010)
(...) e., the policy limit) plus the accumulated cash value. The policy generally guarantees a fixed rate of return (i. (...)

Choose the best life insurance after comparing some offers (10/07/2010)
(...) The application includes detailed questions about your medical history. The application states that the insurer is relying on the representations in the application in making its decision whether to issue a policy to you and in determining the amount of premium to charge. The application normally is incorporated into the policy. (...)

Credit card issuers and mortgage lenders also market credit life insurance (10/07/2010)
(...) Disability coverage can have a lot of variables. First, most disability policies have a waiting period (often referred to as an elimination period) after the disability commences before the insured can start collecting benefits. Common waiting periods are thirty, sixty, ninety, and 180 days. (...)

Contractual liability and owned property exclusions apply to liability coverage (10/06/2010)
(...) It precludes coverage for property owned by an insured and applies to costs and expenses incurred by an insured or others to repair, replace, enhance, restore, or maintain such property to prevent bodily injury or property damage to others, whether on or off premises. The purpose of this exclusion is to limit the coverage applicable to an insured's own property to that which is afforded by the first-party property coverages of a homeowners policy. Rental property The rental property exclusion applies only to the liability coverage and precludes coverage for property damage to property rented to, occupied by, used by, or in the care of an insured. (...)

Facts about personal injury liability coverage exclusions (10/06/2010)
(...) Prior Publication This exclusion precludes coverage for personal injury arising out of the oral or written publication of material whose first publication takes place before the policy. The prior publication exclusion is another one that applies to the defamation offenses and privacy violation offenses. It recognizes that the same defamatory material or material that invades a person's right of privacy may be published several times. (...)

Duties that apply to the insured in case of an occurrence (10/06/2010)
(...) The rationale for this latter position is that by denying coverage on other grounds, the insurer has shown that timely notice would not have made a difference in its coverage position. Cooperation Requirement This duty requires the insured to cooperate with the insurer in the investigation, settlement, or defense of any claim or suit. This can mean a host of things, depending on the circumstances of a particular case. (...)

Liability policies include the provision of bankruptcy of the insured (10/06/2010)
(...) Policy period This condition states the policy's coverage applies only to bodily injury or property damage that occurs during the policy period. Under the personal injury coverage endorsement, this condition is deleted as to the personal injury coverage. This is because the trigger of personal injury coverage is the insured's commission of a personal injury offense during the policy period. (...)

Insurance coverages have various conditions that apply to them (10/06/2010)
(...) This is not a gamble you want to take. Pay your premiums and pay them timely. Nonrenewal The ISO HO 3 homeowners policy's nonrenewal condition provides that the insurer may decide not to renew coverage on expiration of the policy. (...)

Structure of the standard personal car insurance policy (10/06/2010)
(...) These are then followed by the general provisions and exclusions, with provisions relating to cancellation and renewal, the insured's duties in case of accident or loss, and the safe driver insurance plan provisions. Insurable interest Before discussing the actual provisions of auto policies, the concepts of insurable interest and insured capacity, as they relate to the coverages afforded by auto policies, should be discussed. As with homeowners policies, the concept of insurable interest relates to the coverages for physical damage to your auto. (...)

Concepts of the personal car insurance policy are very complex (10/06/2010)
(...) An almost universal rule, however, is the rule that states that the policy in which an insured vehicle is specifically rated or described always applies to the loss first. The next category of covered autos includes private passenger autos, pickup trucks, or vans that have gross vehicle weights of less than 10,000 pounds. This provision has many qualifications. (...)