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With the profit motive, it is axiomatic that the insurance company will try to pay as little as possible on claims. It will use every legal device that is available in the interpretation and application of its contracts (policies), and from time to time, will stretch the restrictive clauses in them. The information provided in this book will give the reader the ammunition with which to confront the insurer, corporate entity or wrong doer on a more level playing field. Unlike most other books on this subject, this work includes loss procedures under property insurance policies such as homeowners and commercial contracts. The other drivers insurance company has agreed to pay the cost to repair the collision damage to you new car, but is that all there is. No, you could be entitled to more. The section dealing with automobile property damage will disclose some cash you may have overlooked. You or a resident relative hits an errant shot on the golf course and instead of its intended destination, the ball smashes the windshield of another members car on the parking lot. You are probably not legally liable for the damage, but you can be a good guy and pay the cost to repair under a special coverage in your homeowners policy. Look at all the possibilities in Infrequently Reported Homeowners Claims. As a member of a same sex marriage in a state where such unions are recognized, what are your rights with respect to the injuries or wrongful death of a spouse? See chapter (Damages) for a discussion of this question. The drunk driver who caused your injuries may not be your only source of restitution. Take a look at Liquor Liability. A kitchen appliance you have not altered in any way causes a fire that seriously damages your home and injures you or members of your family. What are your rights with respect to claims against the manufacturer or vendor of the product? If you, a friend or relative has been involved in an accident that might have been the fault of another or suffered an insured property loss, this book has the potential to save hundreds, if not thousands, of dollars, resulting from underpaid claims or needless expense.
Demystifying the Law: An Introduction for Professionals explains unfamiliar legal concepts in interesting contexts, thus helping you to understand and remember them. It illustrates legal principles using simple examples that anyone can understand. No single book can turn you into a lawyer, but this one can help you decide when you need a lawyer's assistance and help you ask intelligent questions of your lawyer. It can even help keep you out of situations requiring a lawyer. Part I tells you where our laws come from and how they are applied in the court system. Part II explains the role in law of the executive branch of government, including quasi-legislative and quasi-judicial activities, judicial review, and technicalities and terms. Part III covers several specific legal issues, including civil procedure, criminal law concepts, burden of proof, the "reasonable person" concept, breach of duty, personal and product liability, and malpractice. It also gives brief introductions to contracts, insurance law, workers' compensation, property law, environmental law, water law, and other legal matters. Every professional should own this valuable resource! Ideal for both personal and business use. Appendices include how to find legal citations and extracts from the federal rules of civil procedure.
Most contracts are “simple contracts” that can be created by any adult without legal guidance. But that doesn’t mean you can overlook risks. Consumer law tends to automatically manage common risks to consumers, but it can add to the unmanaged risks for businesspeople. This book gives you the insights you need to create and administer contracts, and to enable informed discussion with business managers, project managers, contract managers, and lawyers. Learn how to: • write contracts that are easy to understand; • navigate concerns about intellectual property; • identify core components of larger contracts; • determine when a contract ends. Every business transaction you make has a contract, but not all contracts are written—and so risk can be hard to manage. When there is important risk to manage, you should put the contract into writing. Whether you are working locally, nationally, or internationally, this book will help you understand, write, and manage contracts.
The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
This book teaches DB2 to Sybase professionals quickly and efficiently by leveraging their Sybase knowledge and experience. Adaptive Server Enterprise is a great product. However, it is an indisputable fact that DB2 is a market leader among relational database products. Market statistics over the past five years clearly reveal that there is an unmistakable upward trend in DB2 market share. As a Sybase professional, you might have felt its presence already. There is an urgent and immediate need for every database professional to learn DB2. The predominant reason for Sybase professionals' reluctance to learn DB2 is the perception that it is strange and complex. This perception is only partially true. DB2 is indeed vast and complex, and some of its manuals consist of 10,000+ pages. However, you donOt have to read and memorize these pages. You might not have realized it, but as a Sybase professional, you already know most of the complex and core concepts of DB2. All you need is a map between Sybase and DB2 concepts. This book gives you the precise map you need. The more you know about Sybase/ASE, the easier it is for you to learn DB2 from this book. For example, Sybase professionals already know about tables, views and indexes. Instead of spending several pages explaining a table and how it is used, we explain the functionality of DB2 tables and how they are different from Sybase tables. We concentrated less on DB2 base tables (which are similar to Sybase tables) and more on other new table concepts such as materialized query tables, replicated summary tables and typed tables. We tried to present the most relevant information, in Sybase terminology. We covered all the important aspects of DB2 in this book. And we cover more advanced topics such as data partitioning and replication in our companion book, Advanced DB2 Explained for Sybase Professionals. With this book, you are entitled to a CBT (DB2 Simulated Training for Sybase Professionals) at a nominal cost. We present several visual demonstrations of important concepts in this book as well as lots of bonus materials. This CBT contains important reference material that will be quite useful for a Sybase professional. For example, we present a Sybase-to-DB2 dictionary. If you know a Sybase function and would like to learn about an equivalent DB2 function, just type in the ASE function name and the dictionary will present you with an equivalent DB2 function. You will also find a DB2 command reference, catalog tables and syntax lookup. We intend to update the CBT several times a year, and as a customer, you are entitled to free downloads of the most current version from www.dbmigration.com. We thoroughly enjoyed developing this book and CBT. We hope you will find it equally enjoyable and enriching, and that you learn from it. Please send your comments and suggestions to [email protected]. We will thank anyone who provides valuable suggestions with an autographed book, a complimentary copy of the CBT, and a mention of her/his name in subsequent editions.
Unexpected business disruptions and income losses can be triggered by many events: by large-scale disasters - hurricanes, floods, earthquakes, explosions - but also by relatively minor happenings such as a local blackout, computer outages, even something as simple as a street closing. What's more, in today's global economy, major business interruptions can be caused by events far away - a breakdown in goods production in Taiwan or a power failure in India. Business Income Insurance Disputes, Second Edition helps you prepare for any eventuality. It covers everything from the basics of first-party property insurance and case law which impacts time-element coverages - to practical strategies for dealing with today's most complex business income insurance law issues and questions. Unlike the majority of books in this field, this new guide focuses primarily on the side of the policyholder. Yet it will prove useful to insurance company counsel and executives as well, giving them valuable insights into the insured's strategies In clear, plain-English terms Business Income Insurance Disputes, Second Edition helps you.... Provide sound insurance advice to your clients or company Review business income insurance forms; resolve problems stemming from vaguely-worded language; see that coverage is sufficient and all necessary clauses are included Determine the rate of loss accurately and prove that loss Protect against common insurance company tactics Negotiate effectively Avoid pitfalls and costly omissions Anticipate court responses Gain the winning edge in litigation