HOA Attorney Job Description

This type of attorney is the one that represents and advises the homeowner’s association board members on many different matters regarding property rights and contracts. A HOA attorney is generally in charge of drafting the community rules so that they comply with the governing law. They will also provide broad advice to the members of the association about organizational structure and leadership responsibilities and helping to enforce the rules against the homeowners. A HOA attorney can also represent the association if there are any lawsuits filed and advises the residents and board members about their rights under law.

This law is a very specific branch of property law, which is important to the maintenance and creation of a system of ownership. These property laws can help to guide the buying and selling of property. Property laws sorts out the power that the association can control and setting the parameters as to how that power can be executed. When the community agrees to abide by a set of uniform rules they are enforced by the homeowner’s association board, which is generally filled by election and made of individual residents of the community.

Because this board is like a quasi-legal entity that has its own insulated rules it is very important that the homeowner’s association board has legal representation to ensure that all of the actions it takes complies with the governing laws. It will be the job of the HOA attorney to represent the homeowner’s association board. The HOA attorney’s job focuses primarily on advising by helping them to review and update the rules so they are not violating any governing laws.

Other jobs that a HOA attorney might do can include:

• Enforcing the rules against any homeowner who is not in compliance by contacting the homeowner to explain the violation and try to find a resolution that is amicable to the homeowner and board. If the homeowner does not cooperate the attorney will be the one to begin contempt filings or legal evection.

• They may represent the homeowner’s association in any legal proceedings outside the association such as dealing legally with a contractor who did poor work in the development. It will be the HOA attorney that will see remuneration and if it becomes necessary will file a lawsuit against the contractor.

• If the homeowner’s association is sued the HOA attorney would do the defense of the homeowner’s association in the case.

The HOA attorney is the legal voice for the association’s board and generally is not a full time job. Many times this attorney will represent several homeowners’ associations at once or represent them and have a property law practice.

Looking for the Car Insurance Estimate?

Car insurance estimate: How much do you need?

Every car buyer goes through a checklist before buying his or her brand new car. The most important aspect of the list is the auto insurance and the car insurance estimate. A car insurance acts as a protection for your car as a whole. Your insurance officer may offer you a varied range of auto insurances depending on the type of vehicle you own, the amount of coverage you need and the number of years you wish to have the protection for, in return of a yearly amount, known as the insurance premium.

When you incur a car accident, the cost of damages the car bears is covered by the car insurance you opt for, this, however, does not include any damage incurred above the overall auto insurance amount.The value of your auto insurance estimate is calculated by the IDV or the Insured Declared Value of your vehicle; the IDV is the maximum amount the insurance company is going to pay for the damages your car incurs. The amount of IDV roughly equals to the actual market price of the car you own or the showroom price of your car. The IDV thus is not a constant value and keeps changing periodically.Upon renewal of your car insurance after a year, the value of IDV will decrease because of the amount of depreciation charged on it after a year.

What are the damages covered by the car insurance?

The car insurance will not cover all the damages your car faces, during the life of the insurance. Coverages in the US are usually seen in a cluster of three numbers separated by a dash, for example, 20/50/30 or 100/500/100. The first two numbers are usually seen for medical coverage. For 100/500/100 the insurance company policy will pay $100,000 per person up to $500,000 combined for all people. The last number covers damages made to the property, that is any other vehicle or property you hit in an accident.

A comprehensive auto insurance plan will mainly cover the following types of damages:

  • Liability Coverage:

The coverage also commonly known as casualty insurance, mainly covers bodily injuries and property damages, that is damage to your car. The amount of insurance will, however, vary from one jurisdiction to the other. The insured is also allowed to increase the amount of the insurance coverage (before the loss), to cover any loss incurred during the accident.

If in an unfortunate circumstance, you hit a telephone pole with your car. In such a case, the liability coverage covers the expenses of the damage caused to the pole. It, however, does not cover any other expenses related to the damage being caused such as disruption of services claimed by the Telephone company.

A bodily coverage covers the insured from possible injury during the accident as well as covers him or her from any third party damage caused by accident. The coverage covers the court costs and damages the insured is being sued for.

  • Full Coverage

Full coverage covers both collision and comprehensive damages done to your vehicle. The collision coverage covers the vehicle involved in collisions, by paying out for the repair of the damage incurred or by paying out the cash value of the vehicle in case the vehicle is not repairable.

Comprehensive coverage covers the vehicle from damages not ordinarily considered as collision damages. The damages covered by this coverage are damage due to theft, vandalism or impact with animals. Additionally, a lot of insurance companies also include ‘Act of God’ damages that is any damage caused by event or events caused to factors that are beyond human control, such as cyclones, tornado, tsunami etc.

Apart from the main coverages mentioned above, insurance companies in the US also provide the following coverages:

  • Damages done by uninsured/underinsured motorist (UM/UIM)
  • Loss of use
  • GAP coverages.
  • Lease/Loan Payoff.
  • Emergency Road Service Coverage.
  • Mechanical Breakdown Coverage
  • Custom Parts and Equipment Coverage.

How can you calculate a car insurance estimate?

You can follow these simple steps, to correctly get your car insurance estimate:

  • Before buying a auto, narrow down on your choices.
  • Determine the amount of coverage you’d ideally be needing. If you are buying a new car, you should go for insurance that covers collision and comprehensive damages as well. This is however not mandatory in case of a used auto.
  • Compare insurance quotes for your vehicle. Different companies will have different insurance costs for your vehicle depending on the type and market price of the model. Comparing the quotes will help you narrow down to the best insurance for your auto.
  • Make the final choice, based on the comparison chart.

What should your ideal car insurance estimate be?

There are a lot of factors that affect your car insurance estimate. Ideally, you should choose a plan and amount, which covers most of the possible damage that your auto may incur in the lifetime. The amount of insurance you chose typically should be higher than the actual cost of your overall auto.

The ultimate car insurance estimate will ultimately depend on your own choices and individual situation. It is always advisable to look at a wide range of options and companies offering auto insurance after calculating the car insurance estimate. Comparing insurance quotes, and what they cover with each other will ensure you get the most out of your auto insurance.

Car Donation Programs

Do you have any used cars sitting in the driveway that you need to get rid of? There are many excellent car donation programs that can take your inactive car and not only help a local charity but help you as well by creating a tax write off as a donation. Not only will you eliminate an eyesore in the front yard but it could help take some money off your final IRS tax return.

There are many car donation charities to choose from. Some organizations also accept boats, motor homes and motorcycles. The key is to find an organization you can trust and one that will be fair with the trade in or actual value of the vehicle.

Some organizations that participate in vehicle donation programs are, Boys and Girls Club of America, Goodwill and some cancer organizations. Most cities have anywhere from three to five vehicle donation programs to choose from that are legitimate charities.

There are plenty of websites to reference that will let you know which organizations are the best at making sure their donations get to the people they are suppose to be benefiting. The web is full of car donation program sites, but it is always a good idea to stay local to make sure everything is on the up and up.

The usual procedure for car donation programs is to make the call to the charity and they will usually offer to pick up the car. From this point car donation programs will either supply you with a receipt at the time they tow the vehicle or they will ask that you come down and pick up the receipt after their appraiser has evaluated the car. The most important aspect of this process is to make sure registrations and pink slips are handled properly.

Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance pro

39. 65,100 = insurance sales rep

40. 60,000 = insurance designer

41. 59,400 = insurance sales person

42. 55,600 = life consultant

43. 54,500 = group agent

44. 52,200 = ins agent

45. 50,100 = estate adviser

46. 50,000 = insurance pros

47. 46,800 = insurance counselor

48. 43,800 = financial pro

49. 43,400 = insurance salesperson

50. 40,200 = insurance sales specialist

51. 37,700 = life producer

52. 37,000 = insurance sales executive

53. 35,400 = independent insurance brokers

54. 34,700 = long term care professional

55. 34,500 = financial planning advisor

56. 33,900 = medical insurance specialist

57. 31,300 = health insurance professional

58. 29,300 = life insurance expert

59. 29,000 = insurance rep

60. 28,900 = financial planning advisor

61. 27,500 = health insurance specialist

62. 26,000 = health insurance advisor

63. 25,500 = independent insurance professional

64. 24,700 = employee benefits specialist

65. 24,000 = life advisor

66. 22,900 = life insurance advisor

67. 21,800 = life insurance sales specialist

68. 19,900 = life insurance professional

69. 19,300 = insurance producer

70. 19,200 = licensed financial planner

71. 16,200 = health insurance producer

72. 14,900 = insurance sales consultant

73. 14,000 = term life insurance broker

74. 12,800 = long term care specialist

75. 12,700 = annuity specialist

76. 12,500 = estate planning specialist

77. 12,200 = insurance marketer

78. 11,950 = life insurance representative

79. 11,900 = insurance planner

80. 10,600 = insurance sales professional

81. 10,400 = life insurance advisor

82. 10,200 = insurance writer

83. 9,650 = insurance recruiter

84. 9,480 = financial planning advisor

85. 9,030 = estate planning advisor

86. 8,570 = annuity broker

87. 7,520 = insurance general manager

88. 7,070 = insurance trainee

89. 6,800 = long term care insurance specialist

90. 6,670 = term life insurance agent

91. 6,440 = long term care insurance agent

92. 5,870 = licensed life agent

93. 5,300 = financial insurance agent

94. 5,270 = annuity agent

95. 5,080 = ins professional

96. 5,030 = medical insurance professional

97. 5,010 = disability insurance agent

98. 4,990 = employee benefits professional

99. 4,430 = mortgage insurance agent

100. 4,200 = disability insurance specialist

101. 3,900 = long term care agent

For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.

If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.

Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing “insurance agent for many products”, try this, “medical insurance professional and disability insurance specialist.” Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an “insurance agent” search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.

Guide on How to Become a Certified Lawyer in Thailand

Thailand is known for its democratic legal system, which includes four courts such as the constitutional, military, administrative and Court of Justice. Anyone who wishes to become a lawyer in Thailand is not required to pass the bar examination, as an aspiring attorney would in the United States. Moreover, this type of profession is not grouped into solicitors and barristers. Thai lawyers should obtain a license from the Thailand Law Society, and they should meet several other requirements before they could become a legal professional.

Qualifications for Thai Lawyers

Individuals who intend to become a lawyer in Thailand should meet several qualifications. For instance, they should be at least 20 years of age and a citizen of Thailand. Furthermore, applicants should hold an Associate Degree, Bachelor’s Degree in Law, or a certificate that is equivalent to these degrees. The degree earned should be obtained from an institution that is accredited and recognized by the Thailand Law Society.

Aside from these credentials, candidates should possess a notable character and a sense of professionalism. Those who have been imprisoned, bankrupt, or known for their delinquent morals are prohibited from pursuing a career in law. In addition, applicants are required to be in excellent health condition, since any mental or physical ailment may impair their competence as a legal professional. Lastly, applicants who are currently government officials are not permitted to become a lawyer in Thailand.

Regulations and Requirements

According to the Lawyers Act of Thailand, no one can become a legal professional in the country without a degree in law, license to practice and registration. The Law Society operates to educate, promote and supervise all its members. Those who wish to become a member of the Society should meet specific educational requirements and credentials. Educational requirements include a Bachelor’s or Associate Degree in Law. An alternative to the LL.B is a certificate in law that is equivalent to these college degrees. Moreover, applicants should be an active member of the TBA (Thai Bar Association).

How to Become a Registered and Licensed Thai Lawyer

Individuals may register and obtain their license after they have completed professional training in the legal profession, as well as ethics and essential principles of advocacy. The Institute of Law Practice of the Thailand Law Society offers the training courses for lawyers. The course is divided into two semesters or terms. During the first term, candidates learn more about professional ethics and case conduct theory. The courses may be completed in a minimum of 90 hours. On the other hand, the second term is dedicated for practical training. Candidates must experience working in a registered law office, which they must do so for at least 6 months.

After each term, candidates are required to take an examination. Then, they may already proceed to their application for membership in the Thailand Law Society when they have completed their training courses. However, some candidates may be exempted to take the training course if they have become a law firm apprentice for more than one year. An exemption is also given to those who have passed the test specified by the Law Society’s Board of Governors.

Why You Need a Bankruptcy Attorney

If you’ve found yourself sinking in debt, bankruptcy can start to look like an attractive option. Yes, you will lose credit and assets, but you will also be able to pare down your debt and get relief from harassing creditor calls. Some people try to file bankruptcy without the help of a lawyer, but there are some very good reasons why you shouldn’t attempt that.

Bankruptcy Law is Complex

First off, there are several different types of bankruptcy: Chapter 7 and Chapter 13 for individuals, Chapter 11 for businesses, and Chapter 12 for farm owners. Knowing which type of bankruptcy to file for is imperative. Too many individuals who try to go it alone end up filing for the wrong chapter, which results in the loss of valuable assets or in some key debts not being discharged.

A bankruptcy attorney can advise you on the type of chapter that fits your situation the best. He will also be able to inform you of potential tax consequences and asset losses you will face. For example, will your house and car be taken in the bankruptcy or will you be able to keep them? A bankruptcy attorney might be able to help you exempt certain assets, such as your house, from being taken.

No one besides a lawyer is allowed to give you legal advice. If you’re trying to do it on your own, you’ll have a difficult time getting answers.

Bankruptcy Forms are Complex

Have you ever tried to fill out a legal form? It’s complicated. In a bankruptcy, it’s easy to miss required forms that affect your case. There may be up to 20 forms that you need to file. Chapter 11 bankruptcies for businesses are especially complicated.

A bankruptcy attorney can show you how to fill out forms or even fill them out for you. In the legal world, if a form is filled out incorrectly or is missing information, it can hurt your case. It can cause your case to get dropped or subject you to fraud charges, in the event that the bankruptcy trustee finds out that you left out information. Everything you state on a bankruptcy form is filed under the penalty of perjury. It’s serious business.

Bankruptcy Procedures are Complex

When you’re navigating bankruptcy court by yourself, you’re responsible to read up on the proper procedures. Which form do you file first? Where do you submit your forms? How soon do you need to file them? Have you met all the eligibility requirements? Yes, you’ll need to qualify to file bankruptcy.

Self-filed bankruptcy cases frequently get dismissed due to administrative errors-failing to file the right forms in the right time frames, failing to provide documents, failing to show up at the meeting of creditors, failing to make payments on a Chapter 13 plan, and more. A bankruptcy attorney will keep you on your toes.

Bankruptcy is a last-ditch option to resolving an insurmountable financial crisis. While it’s not an easy process by any means, it will be much easier with a lawyer at your side.

Car Insurance – Cushion Huge Expenses and a Legal Protection

A car has become a basic need of families now-a-days. You can see many small, big, different models and companies cars rushed on the road around all the cities. We all know that a good car comes under a luxury item and no one wants to spend money on this on daily basis. Could you afford to buy a new car because one you had damaged or stolen? Yes answer is most of the people can’t. So there is a solution to protect your favorite and needed car- the car insurance.

What is car insurance?

It is a type of a contract between the car owner and insurance company. In this contract car owner pays the premium and the insurance company pays the losses or theft of car. A car is often a high expense and you want to insulate it. So insure your car and feel safe to roam around!

It repairs all types of damages

The aim of such insurance is to serve the victim. It pays to repair all types of damages such as weather damage, flood damage, fire damage and animal smashups. If your car is wrecked due to any mention damage in insurance papers, company will provide you amount for the relevant damage.

Clinches the peace of mind

Same as its spelling “insurance”- it insures peace of mind to deal with daunted bearings that completely hooked with budgeting. Unforeseen situations can happen anywhere with anyone but this type of investment keep your mind peaceful in such situations. It brings immediate relief from stress and survives in such incidents.

Bear thefts- roaming and parking is comfort

Could you purchase a new car because the one you had is pilfered? It’s difficult to bear a loss of theft of your favorite or luxury car. But you may feel recline from the fear of theft if you have insured your car. The company from where you have purchased insurance compensates you the value of car that was stolen.

Easy to excess

Car insurance is an easy and fast process to protect your car. You can purchase or renewed insurance online that is an easy and fast process. It is accessible by anyone as per the time and convenience.

Premiums and claims

Premiums and claims may different according to company’s policy. It totally depends on which type of policy you want to buy. But it is easy to pay premium because companies will provide you online facility to access all information. If you do not claim during the policy period No claim Bonus will offers you renewable policy in certain terms and conditions.

Car insurance contributes to legal, mental and financial peace which makes driving, buying or owning a car easy. It is a best way to boost broad coverage against debt you might face due to car theft or damage.

Donate Your Car to Charity – What, Why, Where, and How To

Donating your car to charity is probably the most unique and straightforward ways of giving back to your local community. In case you have a car which has not been in operation for a while, why not donating it for a good cause? Following is our suggestion for the what, why, where, and how to donate your unused vehicle.

What Do You Want To Donate?

You should not have any problem donating any types of vehicles: SUVs, trucks, RVs, boats, passenger cars, even junk cars… All you have to do is to have the vehicle’s title to prove your ownership.

Why Do You Want To Donate?

Probably the first question comes to your mind when planning to donate your car to charity is why. There’re lots of reasons that one can think of. The most obvious one is to assist humanitarian goals. They include anything from helping out the disabled, the orphans, the emergency relief… to assisting services that provide education and/or meal programs to the less fortunate.

Where Do You Donate?

Exist in almost all of the major cities in the U.S. are some types of car donation programs which you can give your vehicle to. The best thing to do is go online and type in “donate car to charity” followed by the city name, e.g. “donate car to charity miami”. This will give you a list of the local charity organizations you can work with.

How Do You Donate?

First thing to do is to use the technique in the above section “Where Do You Donate” to locate a program you want to work with. The next step is to find out the value of the car you plan to give away. This can be done easily by using the online version of the Kelly Blue Book at http://www.kbb.com. Keep in mind that you may not be able to deduct the full price which the organization receives when the vehicle is sold.

All charity services require some type of paperwork. You have to complete the form they send you before the vehicle is picked up. Finally don’t forget to clean your car and empty all possessions.

Insurance Totaled My Car – What This Means

“Your vehicle is a Total Loss.” These words, more often than not, spark immediate controversy between an insured and their insurance company. The main cause of controversy between an insurance company and an insured as it relates to total loss is that most people feel their vehicle is worth more than it really is.

A vehicle, though historically not a good investment, is very personal to us. Many of us spend a great deal of time in our vehicles each day and grow attached to our car. Many others ”trick out” their cars and inherently feel that their modifications enhance the value of the car.

I thought it might help some folks if they heard exactly how an insurance company views this and how they go about compensating you for your car should it be determined to be a totaled. There are typically two main things involved in understanding this process: What exactly is a Total Loss and how is the value of a car determined. In this article I am going to discuss and define a Total Loss from an insurance companies perspective.

So, what exactly does it mean when your insurance company deems your vehicle a total loss? In general, there are two types or measurements if you will when it comes to making this determination: Financial or Economic Total Loss and an Obvious Total Loss.

Financial or Economic Total Loss

A vehicle is often declared an Economic Total Loss when the cost of repairs exceeds the value of the vehicle, plus sales tax, less your deductible. I am sure you have heard that there is a percentage used to determine if a car is an Economic Total Loss. You have probably heard numbers from 50% to 70%, or more. This is true, however, it is important to know that not all states set an actual percentage and that for the states that do not set percentages, it is up to the insurance company to determine what that will be.

Although all insurance companies that are free to set this number themselves are all different, a common number you will hear is 70%. What exactly does that mean? I thought a quick illustration might help:

Market Value $15,000

Plus tax $ 1,050 (7% used as example)

Sub-total $16,050

Less Deductible $ 500

Total Loss Value $15,550

Cost of Repairs $11,662

Repairs are 75% of the value

In the example above, your insurance company would likely determine your vehicle to be an Economic Total Loss. One thing to remember is that if you are paid the value of your vehicle, the insurance company will retain the salvage or damaged vehicle and then sell it to a vendor. Most insurance companies have negotiated contracts with salvage buyers and will use that avenue to recoup some of the money paid out for the total loss. In the example above, your insurance provider would know that your car had a salvage value of $3,000 (example). So, when making their total loss decision, they would factor in this amount and subtract it from the total amount paid of $15,550, bringing their net cost to $12,550.

One other brief point to make that is worth noting is that your insurance carrier will also factor in estimated supplemental damages were your car to be repaired. From my experience as an adjuster and claims manager, there are often supplemental or additional damages/repairs identified once a car begins the repair process. These damages are often discovered on “tear down” or after parts of the vehicle are removed and additional damages are more visible. In many cases it is almost certain that there will be additional damages based on the visible damages, however, an adjuster will only write for what they can see and note that additional damages are likely.

Obvious Total Loss

An Obvious Total Loss or OTL is in which the damages to a vehicle are so extensive in terms of repair and/or putting the structural integrity of the vehicle at risk with a repair, that the car is determined to be an OTL. Some examples of an OTL are:

  • Fire Damage
  • Rollover
  • A theft
  • Extensive Water Damage
  • High impact front-end collision
  • T-Bone or hard hit to the side of a vehicle at the center-point

In most cases, a claims adjuster will not have the direct authority to determine a vehicle to be an OTL. The two insurance companies I worked for required a manager approval to make this call. With today’s technology, that can be done easily in the field by simply sending some detailed photos to a Claims Manager or Property Damage Manager. In this case, there isn’t a cost of repairs necessarily but the valuation process is the same.

Hopefully this helps you understand what is meant when you are told that your car is a total loss. Your insurance claims adjuster should explain all of this to you, however, having a basis understanding will certainly help should you find yourself in this situation.

Dating a Lawyer: 10 Pros and 10 Cons

If you enjoy intelligent and hardworking people, you will love dating lawyers. To compete a degree in law and be licensed to practice is a great achievement, which only conscientious and smart people are capable of. Besides, legal professionals are good communicators, as their jobs require fine-tuned skills to argue and converse. Such specialists also need to be reliable and present themselves well. In short, the legal line of work shapes a certain type of individuals, who are exciting to be with. But are there any hidden issues you should be aware of? Discover pros and cons of dating a lawyer, and use proven tips to impress a professional to establish rapport with personalities of this caliber.

10 pros of dating a lawyer:

A research by a dating site recently found that law is one of the most popular professions among singles in search of a mate. Indisputably, there are many advantages of being friends or lovers with a justice whiz, as well as reasons to marry a lawyer. Several considerations are listed below.

1. Lawyers are smart.

If you find intelligence an aphrodisiac, members of the bar possess it in the highest extent. It’s not an accident that lots of senators have law degrees.

2. They are hardworking.

To be accepted to a law school requires high marks and a list of past achievements. The ability to perform consistently is an important strength of qualified counselors.

3. Legal professionals are great communicators.

They have to make speeches and argue various points of view, and be extremely good in public speaking. Adepts of jurisprudence are also excellent writers.

4. They dress elegantly.

Some people try to say that looks don’t matter but it’s been proven that the way a person presents herself or himself is vital in love and life. Being presentable is part of the job description for people employed within the justice system.

5. Attorneys-at-law earn good money.

This could be one of the reasons why this is such a popular occupation among singles of both genders. Some barristers charge $500-1000 per hour and up to $7,000-15,000 per court appearance. Justice is one of the highest paid occupations.

6. They are used to compromising and finding win-win solutions.

It is natural for a law consultant to seek a resolution, which suits all parties involved. Although some criminal solicitors are highly competitive, they have enough arguments in the court room to save their wits for the job, and take it easy with their loved ones.

7. They have learned to accept you cannot always win.

Losing gracefully is part of the job, as well as picking the battles worth fighting. Counsels are balanced and able to tell right from wrong in their personal lives as well.

8. They give awesome advice.

Because they are trained in examining an issue from all possible angles, legal wizards are able to pick on details you might have missed. Their ideas are useful and practical.

9. They are fair.

It becomes like a second nature to a legal adviser to strive for fairness in everything. They have a built-in integrity radar.

10. They are devoted.

Attorneys, as a rule, make committed partners. Their profession requires to be upfront and straightforward. They are not into playing games. You can rely on them.

10 cons of relationships with legal professionals

With all the benefits we have discussed, are there any potential pitfalls of getting involved with someone from the DA office or a private advocate? Be aware of the following things.

1. You need to match their intelligence and wit.

Being highly intelligent and educated, legal experts enjoy the company of people who are on their level. In lifetime partnerships or dating, they get bored of people who are unable of an intellectual and logical conversation.

2. They log long hours and take work home.

Young aspiring partners in a law firm work days, evenings, nights, and weekends to progress through the ranks. Once they have made a partner, the amount of cases they are expected to take on seldom decreases in volume, but they have more responsibility for the successful outcome. Even at home, they often work before and after the family dinner. They need your support and understanding to be able to deliver results and continue effectively helping their clients. Otherwise, you may find yourself undesirable in a relationship.

3. They may get calls any time of day or night.

Criminal lawyers in particular get emergency calls at the most inconvenient hours. Defenders are not getting paid all this money for nothing.

4. You cannot lie to them.

Lawyers see you through. Remember, they have to deal with liars all the time, and knowing when the person is telling fibs is the industry skill. If you are found to lie once, you could be out. Even if you thought this was innocent, they have a different motto: “Once a liar, always a liar.”

5. Their jobs are highly stressful and demanding.

The demands their positions put on them can lead to elevated levels of stress. It’s harder for them to relax at home than for people doing less mentally engaging types of labor.

6. They may be too analytical and methodical.

They tend to analyse and dissect things. Inability to understand something makes legists apprehensive until they figure it out. In dating, they may seem a little bit distant at first.

7. They don’t like risks.

To be precise, they are content with taking calculated risks, when rewards outweigh potential perils. However, they may not be your ideal parachute-jumping buddies.

8. They are highly structured.

You will probably find lack of spontaneity in a relationship with a lawyer. They prefer security and predictability.

9. Your life has to be transparent.

Jurists, especially prosecutors, justice servants, and magistrates cannot afford to have dubious connections. Your life must be crystal clear and legitimate.

10. They take time to trust you.

Law specialists tend to be wary of people’s intents. They need sufficient grounds to be able to trust you, which usually requires weeks or months to observe and make a judgment. And remember point #4: You cannot bend the truth, ever. Honesty is always the best policy.

Meeting law practitioners through online dating

Just like ordinary people, legal consultants, too, embraced online dating. Skills to ask correct questions and observe human behaviour give them confidence in their ability to select a worthy individual for a relationship or a lifetime partner.

Internet gifted us the opportunity to connect with such specialists in other cities, states, or even countries. For instance, you could be dating a Russian lawyer

or judge, which is easy to do via trusted websites for singles.

Mobile apps linked to matchmaking sites offer instant connections on the go. If you never had an opportunity to date someone from the justice department before, today it is within your reach.