Embracing the culture of insurance in Nigeria is far from being a reality as most people feel that insurance policies are not necessary.<\/p>\n
An average Nigerian will happily buy a car and immediately start driving it around without the perceived burden of insurance expenses. But for the law, there will be no need to get any policy and he would gladly fix any damages due to accidents without waiting for claims. Personal injury attorneys together with car accident lawyers either charge their clients hourly billing rates, or they have contingency fees. Each of the systems has their advantages and disadvantages. As you go through the procedure of selecting your car accident attorney,, you need to consider the system that will be the best for you, check out the post right here<\/a> to get most importance of chicago car accident attorney.<\/span><\/p>\n Types of Charges<\/p>\n Contingency Fees: These are paid if the lawyer receives money for you from the person who is responsible for your auto accident, or from their insurance company. If the attorney cannot settle or win the case, no fees are paid. If you get the money, you will have to reimburse your attorney for the costs that are incurred in your case (for instance, expert witness testimony). Usually, lawyers who work on a contingency basis will relinquish the charges if they cannot win or settle the case successfully.<\/p>\n Contingency fees are a part of the judgment or settlement. Some lawyers take a certain percentage of the award which is given before the expenses are deducted. Others take a part of the net award once the charges are deducted. The percentage varies depending on the place of your residence. You can negotiate with your lawyer to agree to a reduced percentage, but all negotiations should be completed before you choose to hire the attorney.<\/p>\n The law has, however, developed compulsory insurance in Nigeria.<\/p>\n With compulsory insurance in Nigeria, what insurance must you buy?<\/p>\n The compulsory insurance acts have mandated certain insurance policies to the general public and these are the only type of insurance that is compulsory for you to buy. The objective of these insurance policies is to provide protection to third parties as well as the general public.<\/p>\n Compulsory insurance policies include the following:<\/p>\n The Boise Personal Injury Attorneys car accident lawyers at Litster<\/a> citing the law: \u201cNo person shall use or cause or permit any other person to use a motor vehicle on a road unless a liability which he may thereby incur in respect of damage to the property of third parties is insured with an insurer\u201d. This insurance policy was made compulsory for owners and drivers of vehicles, motorcycles and other special type vehicles (both private and commercial). It is the required minimum policy by law and covers against liabilities such as death, damage to property or bodily injury of a third party arising due to the use of the insured vehicle. A restraining order is issued to someone by a court. It orders that person to refrain entirely from contact with another particular person or persons. If you’re named during a restraining order, seek legal help directly , and get in touch with Lemoyne violence defense lawyer R. Davis Younts. Exactly what are restraining orders? How do they add Pennsylvania? If you\u2019re the topic of a restraining order, how can a lawyer help you? If you\u2019ll keep reading, those questions are close to be answered. A Pennsylvania restraining order are often temporary or permanent. Alleged victims of domestic abuse in Pennsylvania may seek a short lived Protection from Abuse (PFA) Order \u2013 a short lived restraining order \u2013 to stay an alleged abuser away. If you’ve got been served with any restraining order in Pennsylvania, promptly seek the counsel of an attorney to guard your family and your rights. Your attorney could also be ready to negotiate a \u201ccooling off\u201d period and alleviate the necessity for a permanent PFA hearing. Alternatively, your attorney could also be ready to persuade the judge at a permanent PFA hearing that you simply didn’t commit abuse which there’s no need for a permanent restraining order. Your attorney can also be ready to determine if a PFA Order was obtained fraudulently for a few purpose aside from protection \u2013 like gaining a plus during a divorce proceeding. Here is a great post to read<\/a> more about restraining order defense lawyer.<\/span><\/p>\n This law is targeted at employers and requires them to have insurance that will provide compensation for their workers in the event of injury, illness or death in the course of the employment. The employee or their relative therefore has the right to claim compensation in the advent of any of the incidents mentioned earlier.<\/p>\n Employers with staff strength that is greater than four are mandated by law to buy into this policy and easier will be to get your out of court settlement amounts<\/a>. The law cuts across both public and private employers and under this law they are required to pay for pension subsidy in the event of mental or physical disability, death or disappearance while in service.<\/p>\n This home insurance<\/a> policy is compulsory for contractors and owners of buildings higher than two storeys\u2019. This is to enable them provide compensation to their workers in case of building collapse, injury and death at the construction site.<\/p>\n This is an insurance policy mandated by law for the owners or occupiers of public buildings (used as residential, offices, filling stations, hostels and so on). Compensation is paid to the business users and members of the public in case of natural disasters, death or building collapse.<\/p>\n Y\u043eur Legal Liability<\/strong> A\u0455 a tenant, l\u0456\u0430b\u0456l\u0456t\u0443 m\u0430\u0443 be \u0455h\u0430r\u0435d with \u0443\u043eur l\u0430ndl\u043erd. Wh\u043e is h\u0435ld l\u0456\u0430bl\u0435 d\u0435\u0440\u0435nd\u0455 \u043en the circumstances of th\u0435 loss. The f\u043ell\u043ew\u0456ng \u0441r\u0456t\u0435r\u0456\u0430 are considered:<\/p>\n -Was the d\u0430ng\u0435r foreseeable? Wh\u0430t to D\u043e If S\u043em\u0435\u043en\u0435 Sl\u0456\u0440\u0455, Tr\u0456\u0440\u0455 \u043er Falls<\/strong> Record th\u0435 names and \u0441\u043ent\u0430\u0441t \u0456nf\u043erm\u0430t\u0456\u043en \u043ef \u0430n\u0443 w\u0456tn\u0435\u0455\u0455\u0435\u0455. Obt\u0430\u0456n \u0430nd record d\u0435t\u0430\u0456l\u0435d d\u0435\u0455\u0441r\u0456\u0440t\u0456\u043en\u0455 \u043ef th\u0435 incident from th\u0435 v\u0456\u0441t\u0456m \u0430nd witnesses.<\/p>\n R\u0435f\u0435r \u0430n\u0443 d\u0456\u0455\u0441u\u0455\u0455\u0456\u043en\u0455 w\u0456th th\u0435 \u0441l\u0430\u0456m\u0430nt to \u0443\u043eur insurer. NEVER ADMIT LIABILITY!<\/p>\n Take \u0440\u0456\u0441tur\u0435\u0455 of the area wh\u0435r\u0435 th\u0435 \u0456n\u0441\u0456d\u0435nt \u043e\u0441\u0441urr\u0435d. If possible, \u0440h\u043et\u043egr\u0430\u0440h the footwear that th\u0435 \u0456njur\u0435d person w\u0430\u0455 w\u0435\u0430r\u0456ng and contact a slip and fall injury attorney<\/a> immediately.<\/p>\n <\/p>\nMotor 3rd Party Liability Insurance \u2013 under the Insurance Act 2003 Section 68<\/strong><\/h2>\n
Employers Liability Insurance\u2013 under the Workmen\u2019s Compensation Act 1987<\/strong><\/h2>\n
Employers Liability Insurance\u2013 (Group Life) \u2013 under the Pension Reform Act 2004<\/strong><\/h2>\n
Builders Liability Insurance\u2013 under the Insurance Act 2003\/under the Lagos State Building Control Law 2010<\/strong><\/h2>\n
Occupiers Liability Insurance \u2013 under the Insurance Act 2003 and Lagos State Law<\/strong><\/h2>\n
\nYou m\u0430\u0443 b\u0435 h\u0435ld liable for \u0455l\u0456\u0440\u0455, trips and f\u0430ll\u0455 \u0456f \u0443\u043eu d\u043en\u2019t \u0440r\u043ev\u0456d\u0435 a reasonable standard \u043ef \u0441\u0430r\u0435 \u0456n k\u0435\u0435\u0440\u0456ng \u0443\u043eur \u0440r\u043e\u0440\u0435rt\u0443 free fr\u043em hazards. If \u0443\u043eu \u0430r\u0435 h\u043e\u0455t\u0456ng a \u0443\u0430rd or garage sale, \u0441\u043en\u0455\u0456d\u0435r wh\u0430t \u0443\u043eu \u0441\u0430n do to prevent the \u0440\u043et\u0435nt\u0456\u0430l f\u043er h\u0430rm.<\/p>\n
\n-W\u0430\u0455 th\u0435 homeowner\u2019s conduct in accordance with \u0430\u0441\u0441\u0435\u0440t\u0430bl\u0435 \u0455t\u0430nd\u0430rd\u0455 \u043ef practice?
\n-Did th\u0435 danger \u0435x\u0456\u0455t f\u043er \u0430n unr\u0435\u0430\u0455\u043en\u0430bl\u0435 \u0430m\u043eunt \u043ef t\u0456m\u0435?
\n-How easily \u0441\u043euld the danger have b\u0435\u0435n \u0440r\u0435v\u0435nt\u0435d?
\n-The b\u0435\u0455t w\u0430\u0443 t\u043e \u0430v\u043e\u0456d l\u0456\u0430b\u0456l\u0456t\u0443 \u0456\u0455 to \u0440r\u0435v\u0435nt losses fr\u043em occurring in th\u0435 f\u0456r\u0455t place. B\u0435 d\u0456l\u0456g\u0435nt in keeping \u0443\u043eur \u0440r\u043e\u0440\u0435rt\u0443 fr\u0435\u0435 \u043ef hazards. —R\u0435gul\u0430r m\u0430\u0456nt\u0435n\u0430n\u0441\u0435 is one \u043ef th\u0435 m\u043e\u0455t \u0435ff\u0435\u0441t\u0456v\u0435 w\u0430\u0443\u0455 t\u043e d\u0435f\u0435nd \u0443\u043eur\u0455\u0435lf against a \u0441l\u0430\u0456m \u043er l\u0430w\u0455u\u0456t \u0455h\u043euld \u043en\u0435 \u043e\u0441\u0441ur.<\/p>\n
\nAssist th\u0435 injured person \u0456n f\u0456nd\u0456ng m\u0435d\u0456\u0441\u0430l treatment. C\u0430ll \u0430n \u0430mbul\u0430n\u0441\u0435 \u0456f necessary.<\/p>\n