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WHAT IS THE DIFFERENCE BETWEEN BODILY INJURY AND PERSONAL INJURY?

Bodily injury may be referenced in criminal court cases, referring to injuries sustained by someone who has been the victim of an assault or another crime. Personal injury is commonly referenced in civil court claims and covers all costs incurred as the result of an accident or wrongful death.

The difference between bodily injury and personal injury is where you might encounter each one in a legal context. Each type of case may present different standards for liability and proof. The individual state where an accident takes place can have different implications for these terms.


Bodily Injury Insurance Covers the Other Party’s Expenses

Bodily injury refers to specific kinds of harm done to the body after an incident, such as bruises, burns, cuts, fractured bones, and nerve damage. When someone carries bodily injury insurance, it covers the costs of the other person involved in the accident.

For example, if you run a red light and strike a bicyclist, you may be held at fault for their injuries. Depending on your policy, bodily injury insurance may include all or some of their losses.

Legal Implications of Bodily Injury Coverage
Depending on where you live, whether your state is a “fault” or “no-fault” state will determine the extent of what kind of insurance you need to carry in the event of an accident.

For example, in Florida, drivers are not required to carry insurance coverage for bodily injury liability (BIL) except for vehicles registered as taxis. However, because Florida is a no-fault car insurance state, all drivers must have insurance policies with a minimum of $10,000 in PIP coverage.

After an accident, you will first file for damages through your own insurance company, regardless of who caused the accident. You may have additional costs that go beyond what your PIP policy can cover. Having PIP does not prevent you from pursuing additional losses through the other party’s insurance.

Typically, it boils down to this: bodily liability insurance covers the damages of the other party if you were the cause of their accident. PIP is for covering your own injuries and losses after an accident. Again, depending on where you live, different factors may affect these definitions.

Personal Injury Is Related to Civil Claim Damages

All states allow accident victims to pursue compensation from the liable party to cover the cost of their damages. To do this, you must prove that because of this otherwise avoidable situation, you have incurred expenses.

It is important to have relevant evidence that supports your account of events. To ------prepare for your claim, you will want to keep the following:
-Photographs or any videos of the accident
-The police report or any other law enforcement documents
-Medical records from injury-related examinations
-Proof of lost wages for any work missed after the accident
-Records of all communications between yourself and the insurance companies
-Receipts assigning a value to property damage

What Is Included in a Bodily Injury Claim?

A claim for bodily injury will include any expenses from your injuries that you’d submit to your bodily injury insurance carrier. Depending on your state’s laws, this may include costs related to your own injuries or costs related to the injuries of any other parties involved in the accident. These claims may be covered by your PIP insurance or other coverage.

What Qualifies as a Personal Injury Case?

Anytime one party is injured or becomes ill as a result of another party’s negligence and there are demonstrable damages, you may have a valid personal injury case. People and entities have a duty to prevent others from harm. Personal injury lawsuits come about when this duty has not been met and someone is harmed as a result.

Statute of Limitations After an Accident

You do not have an unlimited window of time to pursue a civil claim. If you live in Florida, you have four years from the date of your accident to get a personal injury lawyer and file a lawsuit. However, if you live in Tennessee, you only have one year to seek financial recovery.

If the accident results in fatalities, the timeline may be different. Under the Florida statutes, the statute of limitations for wrongful death is two years. These cases can be complex, so the sooner you reach out to a wrongful death attorney, the better.
Some variables, including the ages of who was involved in your accident, may affect this timeline. In general, the statute of limitations begins on the day of your accident or the day your injuries were discovered. However, there are exceptions. You can ask your attorney about the laws in your state.

Filing a Personal Injury Claim Can Cover Some of Your Losses

If you are injured in an accident and endure pain and suffering as a result of someone else’s negligence, you may have a personal injury case.

When looking to cover the cost of your losses, filing a personal injury claim may include:

-Past, present, and future medical bills
-Lost wages
-Reduced earning capacity
-Pain and suffering
-Emotional trauma
-Loss of consortium
-Wrongful death

When you are dealing with the aftermath of an accident, an insurance adjuster will prepare, file, and adjust your claim. This person represents the insurance company by evaluating the cost of the damage to your property and health. You may find that the amount they offer does not fully cover the extent of your losses.

Do not feel obligated to settle for the adjuster’s first offer. Before you agree to accept any settlement, make sure that you understand your legal options first. For this reason, many people choose to contract legal help.

Call ebraunlaw After a Bodily or Personal Injury

If you experienced injuries during an accident, you should not have to endure any additional pain and suffering. You and your family should not have to pay out-of-pocket for an accident that you did not cause.

The lawyers at ebraunlaw can examine the evidence relevant to your case, initiate legal action, and protect your rights. We work on a contingency-fee-basis, meaning that we do not accept any payment unless we secure compensation for you. Our team is happy to answer your questions about bodily and personal injury as it applies to the law.
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With the sudden increase in COVID-19 cases, people's concerns for better health had also increased and the link between oral health and COVID-19 infection also expand the health to oral. As India relies on China for 70% of API’s intermediates and bulk ingredients, COVID -19 is expected to hike the price of the ingredient used for an oral care product For instance, · In the year 2021, As Proctor & Gamble announced the third-quarter result in which the net sales increase by 5 %, and also mentioned that they are planning for a price hike in certain product divisions. This step is taken seeking to recover the revenue loss during COVID-19. · According to GlaxoSmithKline plc, the cost of dental consultation and treatment was cited as the concerning factor IMPACT ON DEMAND The coronavirus has affected the various regions of the world and caused the widespread closure of companies and local manufacturing plants. This lockdown and isolation have adversely impacted global economic activity. As studies around the world have shown the improving oral hygiene is expected to increase the chance of generating demand for the product. THE IMPACT OF COVID-19 INFECTION ON ORAL CARE The rising awareness of oral hygiene COVID-19 has increased the demand for a product requires for oral care as the increasing studies for SARS-COV-2 indicated that proper oral hygiene has been reported to decrease the chances of infection which increases the demand for mouth wash, oral povidone solution, novel gargle solution. · However, due to restrictions and aims to reduce COVID-19 transmission, 30% of respondents had visited a dentist less frequently during the pandemic The second cause of increasing demand for oral care products is that approximately 90% of the product used in oral care are over the counter which can be added as the plus point in maintaining the demand for oral care products. The market players in oral care are also focused on the research to bring novel products to interstate commerce. For instance, · Microbac Laboratories, an independent and internationally accredited testing facility worked on behalf of Unilever Research Laboratories, has found that rinsing with mouthwash containing CPC Technology for 30 seconds is effective in reducing the viral load of SARS-CoV-2, the virus that causes Covid-19, by 99.9%. This type of research surge the demand for the oral product · Colgate-Palmolive President mentioned in an interview that they have seen elevated demand for oral care related to viruses, which also boosted the innovative growth related to a premium product This suggests that the increasing prevalence of COVID-19 poses precautionary measures due to which the global population started to take concern for their health hence enhance the demand for oral care. This thus signifies that COVID-19 is accelerating the demand of the oral care market. IMPACT ON SUPPLY The COVID 19 pandemic has affected and badly disrupted the global drug supply chain due to the continuous shut down of manufacturing facilities and restrictions imposed by the government over import and export activities. As per global sources, it was found that the beauty care business is still facing a crisis due to COVID-19. However, oral care market players are in a strong position. The two main leaders Colgate-Palmolive and Johnson and Johnson had seen a lift in sales in Q1 2020. Colgate-Palmoliva has net sales of USD 415 million for Q3 2020, up by 5.5% from the previous year. The surge of demand for oral care increased during COVID-19 however, the global restriction, and state-wise travel restriction has caused challenges for the market player. Moreover, there are many local players also in the oral care market that continued to fulfill the demand in case of any disruption. Oral care is categorized under essential need products which leads to the easy flow of these products. The main challenges during the pandemic is the supply of API’s and Ingredient or excipient used in toothpaste, as China holds the major share in API’s and other chemicals used in oral care and global restriction has somehow affected the supply chain for these products too. This, thus signifies that due to continuous lockdown and several restrictions by government authorities the companies and patients are facing disruption of the supply chain for oral care. However, oral care is categorized under essential care which lowers the effect of supply chain disruption during COVID-19. STRATEGIC DECISIONS OF MANUFACTURERS Collaboration, agreements, strategic initiatives, product launches by market players such as Colgate Palmolive, Hindustan Unilever among others in the oral care market will help them to expand their product portfolio and to provide appropriate products to the consumer. This in turn will lead to increased product sales and hence will put a positive impact on the overall company’s revenue. Oral Care product manufacturing companies are taking so many strategic decisions to cope up with the current scenario of COVID-19. The companies engaged in the manufacturing of toothpaste, mouth wash, gargle solutions among others are adopting several initiatives to accelerate the development of newer products and efficiently supply the product to different end-users. Companies have done collaboration and product launches between 2019 -2020 which supports the sustainable growth in the oral care market For instance, · In September 2020, Colgate Palmolive launched as first-ever vedshakti mouth protect spray, seeking their focus on oral hygiene during COVID-19. · Hindustan Unilever also planned to launch a mouth wash with 99 % in reducing SARS-COV-2 virus and has recently shared the preliminary data. · In April 2020, GlaxoSmithKline Consumer Healthcare Limited (India) merged with Hindustan Unilever Limited (HUL), with HUL responsible for the distribution of GSK’s Consumer Healthcare brands in India, including its leading oral healthcare brand, Sensodyne. · In April 2020, Perrigo Company plc (Ireland) completed the acquisition of the oral care assets of High Ridge Brands (US), which includes Dr. Fresh, LLC. · In December 2019, Colgate-Palmolive Company launched Colgate Optic White Renewal Tooth Paste. · In 2020, Colgate-Palmolive comes up with a recyclable toothpaste tube which will increase the interest of the population and surge the demand for the product leading to growth in revenue of the company Thus, companies operating in the oral care market are adopting several strategies, including collaboration, agreements, acquisition, and market expansion to enhance their business. These strategic decisions by the companies are expected to provide significant opportunities for the market players operating in the oral care market. CONCLUSION As the pandemic of COVID-19 has resulted in several restrictions throughout the borders but still, manufacturers of oral care can manage their stocks. Various manufacturers have allowed their manufacturers to work in a clean and safe environment to boost up the production of oral care categorized under essential need products at various manufacturing facilities across several regions of the world helping them to maintain a continuous supply chain. However, a decrease in doctor’s visit has impacted the market but the majority of products used in oral care are over the counter product which leads to continuous demand for oral care, and by raising the prices the companies are gaining extra profit which is helping them to combat the negative effect on overall revenue.
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Know the Challenges Faced by Sole Representatives International businesses can establish their presence within the UK without making any large investments, like the £200,000 required under the Entrepreneur route as per the United Kingdom Immigration rules. Many companies prefer to send a private employee to the United Kingdom to check the waters within the UK and develop a presence within the UK. Much to the business owners delight, wishes and interest these businesses can send a ‘representative’ to the United Kingdom by making an application under the category referred to as ‘representative of a foreign business visa’ to determine a business presence within the UK. The parent company must be a real commercial enterprise with its principal place of business outside the United Kingdom. The representative is required to file a web visa form and supported by the employer documents which might also confirm the financial standing of the corporate. it's essential to think about the following: Its turnover to evidence the corporate is actively trading Its registered office must be outside the UK- having one within the UK- defeats the aim of the appliance The type of business should same because the intended business within the UK- for instance, it must supply an identical product or service Few challenges which can be encountered by the companies are that: There shouldn't be any physical presence of the corporate in UK like no active branch, subsidiary or other representatives within the UK The company’s headquarters and principal place of business should be outside the United Kingdom. - this is often to stop that the intention isn't to maneuver the most center of business to the United Kingdom If there's already a branch, subsidiary or other representatives within the UK, employees must apply under the purpose-based system An agent hired to plug the company’s products within the UK wouldn't be considered as sole-representatives A sales representative or buyer who only fulfills that specific role for the corporate A company can only send one representative. If one is admitted then the opposite can apply under the Tier 2 of the points-based system- this is often subject to the corporate holding a Tier 2 sponsor licence The branch established in UK should exist only as a legal entity After the successful UK Sole representative visa application, the holders of this leave to stay are only allowed to figure within the business during which they need appointed in. they're not allowed to require up the other establishment or paid job Additional evidence is usually considered while the Entry Clearance Officer is assessing your application It is imperative that companies seek a Sole Representative of a foreign Business visa inquiry so on identify the strengths and weaknesses of any application and deal professionally and competently with questions from the United Kingdom headquarters. If you've got any comment or want to understand anything about UK Sole Representative visa then you can Contact our UK Immigration experts. You can call us on +91 98191 27002 or email us at info@smi.legal and book your consultation appointment.
Lessons from a UK Spouse Visa Application
While my Immigration lawyer friend was still dating his wife, he was worried about many things like impressing her, not making a fool of himself, etc. One thing he wasn’t worried about was the prices of the Spouse Visa UK or the tedious spouse visa application rules. However, after a dramatic movie-like romance, they got married, pregnant, and decided to maneuver to the United Kingdom, to make sure that their child could have the life and therefore the future my friend always dream of. He tells me that having spent numerous years asking his clients to prevent crying in his office, he was now within the ir exact situation: crying in the plan to inform his newly married wife why the United Kingdom Spouse Visa was causing such an enormous roadblock to their family plans. In the next several days, he honed his application with a fine-tooth comb and reached several lessons. the primary and most vital lesson he says he would describe to any future applicant is as follows: UK Spouse visas are sinfully expensive The UK spouse visa fee is £3,395, including the £1,872 immigration health surcharge. additionally, the waiting times include anything from a couple of too many months for entry clearance applications. If you would like to buy the appliance to be expedited, it'll cost you another £590, approx. The total cost of the visa (a period of two and a half years) was £3,985. there'll be similar levels of costs when leave granted is nearing to finish and therefore the application will need to be extended, or if the applicant chooses to eventually choose a settlement. This cost figure doesn't include legal fees (for the people that aren't immigration lawyers like my friend) or the several flights required to still live alongside your spouse while keeping a tab on the immigration rules of two different countries. Conclusion: take care about where you spend your legal fees. Like my friend painfully learned, it costs tons of cash to urge through a spouse visa application successfully. Therefore, it's imperative that you simply use your money wisely wherever you’ll, like hiring the sort of legal advisors which will get your visa application done right the primary try itself. If you are considering to apply for UK Spouse Visa you can contact us on +91 98191 27002 or email us at info@smi.legal and book your consultation appointment at The SmartMove2UK.
Stranger Danger: Scary Story From Last Night :/
This happened to me last night and I hope that sharing my story will remind you to be careful, even if you feel very safe in your home. I live in Korea which is a ridiculously safe country. After 4 years I haven't even had anyone (other than one asshole american) cat call me. But a few months ago I had a man try to follow me home. He looked like he was not all there in the head, and I noticed him before I was anywhere near my home and was able to scare him back to where he came from. Last night though I had another creepy experience that could have been any number of things, but it reminded me to be very careful. I live in an apartment building here in Seoul and I know everyone who lives on my floor (there arent that many of us) so I can usually tell who is coming down the hall based on their footsteps. I was waiting for my boyfriend to come over and usually I open the door for him right when he arrives since our key pad is hard to use. Most apartments in Korea use a keypad like this to open the door, not a real key. Usually even though I always beat him to it, my boyfriend at least tries to open the door. But when I heard footsteps come down the hallway and stop at my door, I was surprised he didnt start pressing buttons. For some reason I looked out the peephole and saw the shoulder of a man (i think) with a puffy winter jacket on outside my door. It was similar to my boyfriend so I thought maybe he was just reading an email or something (he can be a scatter brain haha) and paused before opening the door. I waited without saying anything because I usually try to surprise him at the door. But the man stayed still for so long that the lights went off in our hallway (most lights in Korean apartment hallways are motion censored so if theres no movement in the hallway for a while, they go off. I thought that was SUPER weird so I knocked on my door to make the man do something (i still thought it could be my boyfriend) Thats when he disappeared/walked away. At this point I cant remember if I actually saw him turn and move away or if I looked away and when I looked back he was gone. Either way I was freaked out. I texted my boyfriend asking if that was him, and saw I had missed a message from him asking if I wanted snacks. I thought then maybe he came to my home but went back out to grab snacks. Maybe 30 seconds later he was unlocking my door and apologizing for being late. That wasn't him at the door only a minute before. It could have been an innocent mistake, someone got the wrong room number or something, but something about the way they just stood there not moving for so long gave me the creeps. I want to encourage all of you to, even if you're expecting someone at your door, to check first and ask who it is. Needless to say, I slept with the extra lock on my door last night.