U.M. Coverage (Uninsured and Under Insured Motorist Coverage)
When injured by a wrongdoer that has no insurance or very little insurance, one can make a claim against one’s own insurance company if the injured party has UM insurance coverage. UM Insurance (Uninsured and Under Insured Motorist Coverage) is an additional coverage that can be purchased from one’s auto insurance company. The UM coverage provides additional funds to assist an injured party when the wrongdoer either has no insurance (Uninsured) or, when the wrongdoe...
[Posted: 2010-01-14 21:50:03]

Health Insurance Reimbursement: After The Accident, Who Pays?
Unfortunately, if the injured party, this usually means that the health insurance company attempts to take all or a portion of the injured party’s settlement or trial recovery. The health insurance company operates under the theory that the money the injured party receives was from the wrongdoer and should go to the health insurance company first. Due to recent court rulings and the rising cost of health care, many (if not all) health insurance companies are vigorously...
[Posted: 2010-01-14 21:50:03]

What to do if a Contractor/ Builder Walks off the Job
1.  Take pictures and lots of them, and/ or video the entire project.  A picture is worth a thousand words and documenting what work was or was not performed greatly improves your case. 2.  Immediately send a letter to the contractor outlining events leading up to the walk-off and all remaining issues.  This letter should be sent via certified mail with return-receipt (or overnight with signature via FEDEX, UPS or the post office)...
[Posted: 2010-01-14 21:50:03]

Prior to Hiring a Builder: a Few Commonsense Steps
1.  Check references of previous work.  You might be surprised by what you hear.  2.  Get in your car and go view the previous work.  You might be surprised by what you see.  3.  Make sure your agreement is in writing and covers all important points.  Establish deadlines and completion metrics.  4.  If the project warrants it, you may want to get a real estate attorney to help negotiate and write the agreement b...
[Posted: 2010-01-14 21:50:03]

Georgia Lien Law (Georgia Materialman’s and Mechanic’s Liens)
Important Code Sections:44-14-360 through 44-14-369. (For public access to the Georgia Code, please follow this link and type or search the applicable code section: http://www.lexis-nexis.com/hottopics/gacode/default.asp .) Introduction: There are generally two areas of dispute regarding a lien on property in Georgia: 1. Someone (a contractor, sub contractor, etc.) h...
[Posted: 2010-01-14 21:50:03]

Recording Phone Calls and Checking Emails
(Compare to a Two Party Consent state where both/all participants must agree to the recording.) Therefore, it is generally illegal to record the telephone conversation ...
[Posted: 2010-01-14 21:50:03]