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Advantages and Disadvantages of a Brand New and Used Car

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Buying your dream car maybe the second most expensive purchase you will make after your house and, if you prefer a more luxurious one with more accessories, it will definitely be more expensive. Thus, you may first want to consider every available option before making a decision: a brand new car and the pride of being its first owner, or a slightly-used car that is just as reliable and still more affordable?

Here are some tips that should help you decide which type of car you may want to purchase:

1. Brand new car

a. advantages – besides the feeling of pride in owning a brand new car in the color of your choice, you can also enjoy these other benefits:

  • Reduced maintenance – brand new cars usually require tune-up and oil change only; you also wouldn’t be needing tire, brake, exhaust system or engine part replacements immediately.
  • Warranty coverage – depending on the type and brand of your car, you can enjoy a warranty for three years/36,000 miles, five-year/100,000-mile or 10 years/100,000 miles.
  • Peace of mind – According to Madison car accident lawyers, defective or lemon cars can be replaced or you can have your money back. The lemon law is an American state law which offers a remedy for buyers of cars and other goods in order to compensate for goods that never meet required standards for performance and quality.

b. disadvantages

  • Sales tax on new cars – buying a new car requires payment of thousands of dollars.
  • Registration fees – you will need to pay a fee of about a thousand dollars for new car registration as well. The fee for your new car’s annual registration is based on its model year and value.
  • Dealer closing costs – a pinstripe is an anti-rust coating and is an additional installation by the dealer, that you also have to pay for. Additionally, there are fees for “dealer preparation,” shipping and destination.

2. Used car

a. advantages – dealers of used cars value clients highly, so they treat everyone with respect, courtesy and professionalism. It is always fast, quality service where clients are treated based on their capability to pay and not on their credit. The members of the staff are also more helpful in helping clients find the best financing scheme that will best work for them, for example, in-house financing or trade in. Besides these are the following advantages:

  • Increased choice –there are simply more options when you go to dealers of used cars (brand and type). Prices are also on a downward trend, making used cars still more affordable.
  • Improving reliability – car warranty can be transferred from original to second owner; old-model used cars are also guaranteed as more reliable and durable than new ones.
  • Just like new – through certified pre-owned programs you can purchase used cars declared to pass strict standards for certification. This means used cars that are scratch-free and in superb mechanical condition; some even come with a manufacturer’s warranty.
  • Less expensive – in addition to the up-front savings you’ll get for buying used, car insurance for used vehicles is more affordable than insurance for new ones.

b. disadvantages

  • A used car may invite the early on-set of car problems, which may prove to be more expensive than having bought a new one. You may also require replacement parts and maintenance sooner than expected.
  • You wouldn’t get the specific features that you want, like color, a navigation system or a sunroof.

 

Insurance Bad Faith

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Getting insurance can help ease the stress if you happen to suffer losses from an accident. However, there are times where even the insurance company can prevent you from getting the right amount of compensation you are entitled for. This is called “insurance bad faith”, and when you or someone you love has been through this, you may be able to file a claim against the insurance company.

Insurance bad faith occurs when the insurance company unreasonably withholds, denies or prolongs your benefits on the policy. They can either give you unjust or unfair conduct while doing business with you. Being denied of your compensation after your accident can bring about a claim that your personal injury lawyers can help you acquire. The following are a number of “bad faith” acts that can help you determine if you can file a claim:

  1. Lowballing (or unreasonably under-settling) your claims
  2. Denying your reimbursement of the total loss
  3. Failing to immediately as well as carefully investigate a claim
  4. Deliberately giving “bad faith” with regards to policies and coverage
  5. Subjectively delaying the payments to a policy-holder

These are just some of the possible cases where you can determine if you are a victim of bad faith and if you are entitled to file for a claim. However, it is important to know that not all disputes are “bad faith” claims, as insurance companies still have the right to investigate and question the claims that they receive. Nevertheless, personal injury lawyers could help you in getting the right and fair compensation for bad faith insurance claims once it has been proven that you have been a victim of them.

There are different penalties in each state when it comes to bad faith claims, therefore knowing and understanding more about your state laws can help you in getting the right amount that you are entitled to.

Identifying Racial Discrimination

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It is a sad fact that in many workplaces, racial discrimination has not been eradicated; it has only been cleverly camouflaged. This is not to say that it is rampant, but rather, that it still exists. Employers who discriminate based on race and ethnicity know better than to invite trouble by being in-your-face about their biases. Sometimes employers do pre-employment testing to see what ethnicity the potential employee is. It is becoming harder and harder to prove discrimination unless a pattern or trend emerges. By then, it may be too late for early victims to file a complaint. Nevertheless, there are some indications that can warn you if you are being discriminated against.

Signs of Discrimination

Employers are not allowed to ask about the race of the applicant during an interview unless it is in the nature of affirmative action or as part of a fact sheet, and even then it should have no bearing on the decision to hire someone. Even if it did, there would be no proving it as an employer may simply cite other reasons for their decisions. It is only when a trend emerges that racial discrimination may be suspected. The same applies when it comes to promotions, compensation, training, and other benefits of employment.

In some instances, employers implement policies, practices, and rules that inadvertently discriminate against certain races and ethnicities. It may not be intentional, but it is the responsibility of the employer to validate such policies, practices, and rules so that it is equitable for all current and prospective employees. This pattern of behavior, whether deliberate or not on the part of the employer, can be used to prove racial discrimination in some instances.

Addressing Racial Discrimination

If you suspect or believe that you are a victim of racial discrimination, present the facts to a discrimination lawyer who has experience handling cases of this nature. He or she would have an intimate knowledge of provisions of Title VII of the Civil Rights Act of 1964 and the Equal Employment Opportunity Commission (EEOC), and may be able to help you fight for compensation for the wrongs you have been forced to endure.

Product Liability Clarified

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Product liability encompasses the manufacture, distribution, design and sale of any item that may have led to personal injury or harm to its consumers. Depending on the aspect of a product involved, a case may be made against the manufacturer, distributor, retailer, and/or marketer. Personal injury lawyers specializing in product liability will be able to formulate a strategy appropriate to a particular case. The law regulating product liability is complex, but the following is an overview.

The liability chain

Personal injury cases usually identify a single entity to bring a case against, but not in product liability. Because a product is a result of several factors working together, establishing the chain of liability is necessary to determine if only one part of the chain is responsible, or several or all contributed to the defect or failing that resulted in harm to the end user.

Proving negligence

As most personal injury lawyers know, the burden of proof is on the claimant. To prove negligence, three things have to be established:

  • Foreknowledge of the defendant of a defect or flaw in the product/service
  • Failure of the defendant to properly remedy or correct the defect or flaw
  • The defect or flaw directly caused harm or injury to the plaintiff

However, in product liability cases, the manufacturer is strictly liable. This means that negligence does not have to be proven as long as an injury or harm was proven to have been caused by a product or service. In other words, the manufacturer should know and test the product thoroughly to ensure consumer safety before sending it off.

Product description

Another aspect of product liability which may or may not be based on any actual injury or harm is truth in advertising. The manufacturer has the responsibility to accurately describe the function and performance of a product either as a written warranty or as an implied one so the manner the product was sold is understood.

Product liability cases are best handled by personal injury lawyers to ensure the plaintiff’s rights are not violated. Lawsuits are seldom routine, so a plaintiff could fail in a claim because of a technicality.

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