Depending on the contract plan, the insurance you can cover the risk of accidental death, leaving your family safe for the immediate needs of the event and for the future. This represents a tremendous peace of mind for you and your family, because they deliver 100% of the amount contracted.

Among other benefits under personal accident insurance contract you will have:

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Monthly income as rent.
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Original award for emergency expenses in case of death.
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Support Services.
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Assistance in case of sickness insurance abroad.
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Transport in case of injury or illness of the insured.
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Legal assistance.
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Dental care abroad.

In Abreu, Morales & Associates, will help you choose the best plan according to your needs and possibilities.

Call us and we will gladly assist you.

“Accidents can happen anytime, to anyone, anywhere, do not be an exception.”

Personal accident insurance can make a big difference.

CONDITION ONE: NOTICES OF CLAIM

Upon the occurrence of any accident, loss or damage, the insured or the beneficiary shall give notice to the INSURANCE COMPANY AND / OR INASEG LTDA within three (3) working days counted from the date on which the accident occurred.
The insured or beneficiary shall give notice to the INSURANCE COMPANY AND / OR INASEG LTDA all claims, proceedings or diligence, letter, claim, notice, or summons received, within three (3) business days following the date on that has news related to any event which might give rise to a claim under this policy.

SECOND STATUS: OBLIGATIONS OF THE INSURED IN CASE OF LOSS AND PAYMENT OF COMPENSATION

INSURANCE COMPANY to pay compensation is required, within one month following the date on which the insured or beneficiary stating the occurrence of the incident and the amount of loss, the evidence permitted by law, provided that the chosen shall be able to demonstrate clearly the facts that are being claimed.
INSURANCE COMPANY AND / OR INASEG LTDA considered perfected the claim in total losses for theft or damage when there has been proper transfer of ownership on their behalf and to revoke the registration, if applicable (Loss Theft total), and the vehicle is at peace and safe in taxes or charges that are payable to the vehicle
The payment of any compensation will be agreed subject to the deductible and the other terms, limits, exceptions and conditions of such insurance.

CONDITION THREE: UNDER RULES OF CIVIL TORT RESPA

Payment of compensation will be for the victim, which is a beneficiary, if the damage is caused by the insured and is civilly liable under the law.
Except with prior approval of the company, the insured shall not be entitled to:
• Recognize your own risk.
· Make payments, make arrangements, transactions or reconciliation with the injured

Be compensated to the actual amount of loss suffered and proved not to exceed the insured value.

SECOND STATUS: OBLIGATIONS OF THE INSURED IN CASE OF LOSS AND PAYMENT OF COMPENSATION

Any compensation shall be subject to the deductible listed on the face of the policy to the sum insured and / or commercial value.
Spare parts and accessories will be replaced or will be paid at the discretion of the company also reserves the right to make repairs to the vehicle or any of its parts and to choose freely the workshop.
If the pieces, parts or accessories required for the repair not be found in trade, shall be paid the insured value of the same as last quoted local representative authorized by the factory.
In the event of total loss, unless the lienholder (if any) authorizing the payment of compensation to the insured, shall be in favor of the creditor who should appear on the policy as beneficiary, and the excess, if any, paid to the insured.

CONDITION FIVE: RESCUE

When the insured is compensated, the vehicle or its parts salvaged shall remain the property of the company. The insured will participate proportionately in the net salvage sale, taking into account the deductible and underinsurance, if any place in the latter.

Net saving is defined as the value resulting from discounting the value of sale of the same expenses incurred by the Company, such as those for the marketing of such recovery and rescue.

SIXTH CONDITION: COEXISTENCE OF INSURANCE

If at the time of loss existence of other insurance policies covering the same vehicle the company will bear proportionately the respective amount in the insurance cover, unless maliciously omitted information about the coexistence of such insurance.

PROCEDURES IN CASE OF LOSS

DO NOT assume any responsibility, or perform transactions without the order of the Insurance Company.
If personal injury seek immediate medical attention.
Get complete information about the other vehicle and driver.
Order the intervention of the authorities.
Give notice in Bogotá PBX LTDA 623 24 55 INASEG respective numbers, or the Customer the Company to which you have obtained your insurance policy, and out of Bogota in the nearest branch within 3 days after accident .
Do not give orders for repair of the vehicle without the consent of the Company.
In case of theft this complaint before the competent authorities as soon as possible.

NESCESARIOS DOCUMENTS TO FILE COMPLAINT

Legible photocopy of the current Mandatory Insurance.
Legible photocopy card or purchase contract property.
Legible photocopy of the pass and identification card of the person driving the vehicle.
Legible photocopy of identity card of the insured.
Legible photocopy of a sketch of the traffic (if any).
Legible photocopy of the notice of settlement (if available).
Legible photocopy of the policy.
In case the insured is unable to make the claim must submit an order authorizing the person to perform the procedures relevant to the insurance company.
Submit a transfer form if the protection is affected DAMAGES FOR LOSS TOTAL (transfer to the company.)
Submit two forms of transfer in case the defense is concerned TOTAL LOSS BY THEFT (transfer and cancellation of registration).

1. Do not assume any responsibility, or perform transactions without the express order of the State Insurance SA
February. If injury gets immediate medical attention.
3. Get complete information about the other vehicle and driver.
4. Request the assistance of the competent authorities.
5. Immediately contact the call center and ask advice or any of our subsidiaries in the country within 24 hours after the time of the accident, to the cities of Bogota, Medellin, Cali, Bucaramanga are ready to send mobile units to the accident site .
6. Otherwise, submit the claim directly in any of our vehicles Claims Center or the State Security Bureau.
7. Order No repair the vehicle without consent of Compensation.
8. In case of theft this complaint before the competent authorities.

Consider the following documents when making your claim:

TOTAL OR PARTIAL LOSS OF VEHICLE DAMAGE
1. Legible photocopy of the ownership card.
February. Legible photocopy of the pass and proof of citizenship of the person driving the vehicle.
3. Legible photocopy of the certificate of insurance.
4. Legible photocopy of a sketch of traffic. (If any).
5. For total loss, damages, form of conveyance.
6. Authorized signature power by which a third party authorization to file the claim and be empowered to negotiate with the Company. (If the insured can not be present).
7. Submit the vehicle for inspection of damage

PARTIAL LOSS BY THEFT OF VEHICLE
1. Legible photocopy of the ownership card.
February. Legible photocopy of identity card of the policyholder.
3. Carbon copy of the notifications.
4. Power with signature authority by which authorization to a third party to file the claim and be empowered to negotiate with the company. (If the insured can not be present).
5. Submit the vehicle for inspection of damage

TOTAL LOSS BY VEHICLE THEFT
1. Legible photocopy of the ownership card.
February. Legible photocopy of identity card of the insured.
3. Photocopy, readable identity card and pass the driver of the vehicle.
4. Carbon copy of the notifications.
5. Form for transfer and cancellation of registration.
6. Power with signature authority by which a third party authorization to file the claim and be empowered to negotiate with the company. (If the insured can not be present).

UNDER COVER OF LIABILITY FOR TORT DAMAGES TO THIRD PARTY ASSETS
1. Formal letter of complaint.
February. Letter certifying that insurance has not submitted, or submit claims and / or certified statement stating where that is not insured and that elle has not submitted reclamaci6na sitting or submit another entity.
3. Sketch and report traffic. .
4. Card ownership of the vehicle concerned and / or Transfer or sale contract that identifies you as a vehicle owner.
5. Photocopy of owner’s identification card.
6. A photocopy of the driver pass. .
7. Original invoice if the vehicle was repaired.
8. Present vehicle for inspection.

INJURY TO ONE OR MORE PERSONS
1. Complaint letter stating the value and justification of the claims.
February. Certificate for payment by the SOAT.
3. Latest opinion of legal medicine.
4. Original invoices for medical expenses.
5. Certification of state criminal proceedings.
6. Decree of the patient.
7. If you are under age, the representative card and copy of birth certificate.
8. Proof of income from third party (s) concerned (s).

DEATH TO PERSONS OR MORE
1. Letter of complaint made to the heirs, setting amount and justification of the claims.
February. Certification by the SOAT payment.
3. Birth certificate and / or marriage.
4. Original bills for hospital and funeral expenses if any.
5. State certification process for manslaughter.
6. Decree of the claimant.

LEGAL AID
1. Contract service.
February. Authorization for direct claim against the company or evidence of payment of attorney.
3. Proof of legal entity in which specified procedural steps acted as counsel.

Traffic accidents or traffic occur, usually without too much room for the reaction of drivers or persons concerned.

But in the analysis of the circumstances it is possible to distinguish a series of stages from the time it occurs the potential situation of danger until the moment of conflict or collision. In the range of these moments can be placed a series of perceptions and reactions of people involved, such as perception of danger, the corresponding reaction, any evasive maneuvers, etc. that may be appropriate to avoid a collision or wrong. In between these moments also follows a specific time and travels a given space also essential elements to prevent or not the accident or to its consequences are more or less severe.

Phase perception

This phase begins at the point of possible perception and ends at the point of conflict. This phase is broader because it encompasses the other two stages, because they do not necessarily start when the driver or pedestrian involved perceived danger, but at the time that objectively could have received.

Decision Phase

When the driver or pedestrian achieve real perception begins at decision stage which reacts to external stimulus. It is the time it takes the driver to understand the situation, make a decision and take action it deems appropriate.

Conflict phase

It is the stage at which the accident to be the last period of its evolution. In this phase can distinguish the following elements:

1 .- Position of conflict. It is the space in which it develops the possibility of the accident. It is very variable because it depends on the normal direction of the vehicle and the components involved in the accident, and the evasive action by them. The area of conflict may or may not coincide with the maneuver area, although generally it is always smaller.

2 .- Key Point. It is the point at which the accident is inevitable. You can match the real point of perception, in which case there is no possibility of any avoiding action or it will be very short.

3 .- Point conflict. Is that where the accident is consumed, corresponding to the position of maximum impact. It includes several points or moments: the initial accident when they come into contact with each other intervening elements, development of the event until it leads to maximum effect and, finally, referral to the final position of those elements.

4 .- Final position. This is the position remaining vehicles, people and objects when they reach the stillness after the event.

Judicial complaint: The maximum value of Auto:

Art. 13 of Royal Decree Law 8 / 2004 of 29 October, which approves the revised text of the law on civil liability and safe movement of motor vehicles, provides that when criminal proceedings initiated by the production an event covered by the compulsory civil liability insurance, declaring the absence of the accused or acquitted falls or other decision that will terminate, temporarily or permanently, without a declaration of responsibility, if the injured party has not waived the action civil or exercise it has reserved for separately, before agreeing to the file, the judge shall issue an order in which fixed maximum liquid quantity that can be claimed as compensation. The order will contain the description of the incident, identification of persons and vehicles involved and insurers of the same.

Requirements for issuing the Order of the maximum amount:

In the aforementioned art. 13 of Royal Decree, it shall be listed the cases envisaged by law for its issuance and shall signify that it is prerequisite to be issued, the fact that the complaining party has not reserved the exercise of civil or which had not been waived, plus there is a causal relationship to the fact of the movement.

In addition, the court must agree in legal imperative in any case where the verdict is handed down an acquittal or had ordered the file of proceedings.

Although some cases of liability laws on property, such as slips and falls, may seem complicated, your case is vital to speak to a personal injury lawyer that has experience in the law of responsibility for property .

In addition to slip and fall claims, the lawsuit must be filed for injuries that are the result of furniture that is used on the property. Lesions also can be caused by actions of another person in the house may be the responsibility of the owner, especially if the owner does not provide adequate security in it.

For all these reasons, it is vital to contact a personal injury attorney who knows the law in full liability on the property.

Property Ownership
Within the context of liability law on property, a person “owns” a place or property when:

* The person is occupying the property with intent to control it.
* The person has been occupying the property with intent to seize it, if another person has not subsequently been occupying with intent to control it.
* The person has the right to immediately occupy the property if another person is in possession as defined above.

You Can Demand
With responsibility for the property, there are different categories of people who can not sue or through a personal injury lawyer. As always, talk with local counsel to determine whether you have a case and that category is.

There are three main categories of people with properties, two of which can sue and can not. A guest or a licensee may claim, as an attacker in most cases is breaking the law and therefore can not sue if injured.

What is a guest?
A guest is someone who enters the property for business reasons as a guest to buy or rent something. The person who is the guest may not have or have had to ask directly for the owner to enter the property which would make the business but was still invited to tour the surrounding area.

For example, a person who walks into a bar or nightclub will not ask to see the owner but it is still a guest because they have developed promotions or advertising for business. That’s why, if something happens to one person in the bar or nightclub due to negligence, the owner may be liable because they need to protect all its guests.

For example, an injury could have been avoided if he had not spilled drink on the floor or if the club had hired extra security. Whatever happens in a club can be negligence by the owner. These are examples to speak to a personal injury attorney would be important to ascertain the facts and see if you have a case with his injury.

What is a licensee?
Another party may sue under the law of responsibility for the property is a licensee, such as a friend to get home a few drinks or just hang out. A licensee has nothing to do with the business as a guest. If a social guest known as the licensee found that the landlord knew about what caused their injuries, the owner may be responsible. As someone who has guests on his property and must be corrected or broken parts common things that could cause injury to any guest. In the smallest circumstance, should at least warn of the danger to the host.

For example, if a friend takes care of her son for you and your child is injured by any negligence in the house of his friend, he could be liable for damages. If your child was injured due to a stake sticking out on the floor and was not visible, the owner of the house could also be responsible.
In all cases, it is best to contact a personal injury lawyer and ask if you have a case of liability on the property.

What is an intruder?
We’ve all heard stories from intruders, whether people breaking into homes or just lazing on someone’s property where they should not be. These hackers usually do not have the right to sue for negligence, because the owner does not know they are there.

Potential Recoveries
Personal injury lawyers have been known to recover large damage settlements in cases of liability law on the property due to the nature of the injury.
In April 2000, Darla L.V. Southland LLC, a personal injury lawyer won a $ 2.25 million verdict in a liability action on the property resulted in a sexual assault a tenant of a residential apartment complex.
This was one of the largest verdicts of its kind in California.
Moreover, in Doe v. Roe Mall in 2000, the personal injury attorneys representing a 37-year-old slipped and fell into a mall. The man left with a severely broken leg, had two surgeries, and a loss in wage dispute. The case was settled before trial for $ 290,000.

Finally a sum of $ 115,000 in cash to the overall settlement of slip and fall from Office Depot agreed to settle a lawsuit involving an injury to lumbar disc suffered by the plaintiff, who fell into several feet of rain water located within one of its stores in Georgia.

After any incident involving the law of liability on the property, it is vital to contact a personal injury lawyer to file a lawsuit, which can be a big deal.

If you are a victim in the field of liability law on property, contact a personal injury lawyer as soon as possible because time is an important factor.

After studying 850 000 accidents with victims in Australia, the researchers found that white cars are safest because it is the most visible and have less chance of collision. Similarly, black color cars are the most dangerous (twelve percent higher risk of accident than whites) followed by gray, with an eleven per cent, silver, ten per cent and the red and blue with a seven percent. Pastel colors such as beige or cream color ratings were very close to white.

As explained by the principal investigator, Stuart Newstead, studies carried out so far focused solely on the color and visibility of the cars, without affecting the risk of impact. His study makes hicapié in another aspect, not only in color.
Colors in the dark

Newstead further noted that this relationship between car color and the risk of collision is reduced in low light, low light because the less perceptible the chromatic difference.

However, as the researchers conclude, “driving a dark vehicle may increase the risk of collision, but is much more influential driver behavior behind the wheel.”

The friction of the ropes that bind each other, is one of the biggest causes of injuries, although not the most common. The list of physical injuries to the British cause one another during their sex acts has gained official status as already exceed the previous problem: the costs arising from breakage of objects of all kinds for nights of passion … and the amount of which English, Irish, Scots and Welsh seek to collect from insurers.

Official recommendations, analyzed at the Ministry of Health when the morning came The Sun of London, published a survey ordered by a chain of adult stores. “An Summers” with almost a hundred branches in all the British Isles, is best known chain of supply for adult recreation. The company ordered a survey to reveal desires of prospective customers, including thousands of son of the “Blonde Albion.”

The surprise was that the research led beyond the individual papers and extended the area of the consequences for such outrageous behavior. The truth is that a third of couples surveyed admitted breaking something during sex, both between the surrounding objects, as in the partner with which they enjoyed. Of this 34% of couples who lose control, 10% comes to insurance agencies asking to be compensated both for that break, for physical damage they have undergone.

As for the objects, the calls on. chipped bedding, lamps broken, curtains torn valuable, smashed mirrors and chandeliers to ceiling collapsed, amount to 350 million pounds, said The Sun.

Although these facts might well have passed almost unnoticed by the British daily news, used to almost anything, the fact acquired a new turn, as the report reveals the official health concern, given the injuries suffered couples admit to having randomly surveyed , the result of the impetus of love. The ranking of the ten most common injuries, strike comments

1. Friction burns from the carpet

2. Back injuries

3. Wrist Sprains

4. Ankle Sprains

5. Bruises on his back

6. Bruises on the legs

7. Scraped elbows

8. Back scratched

9. Blows to the head

10. Broken Bones

For the sexologist Dr. Andrés Flores Colombino, “this type of behavior in a society like Britain, is not something that really surprised: known is its diversity in all areas, although the numbers in the third of couples are no longer interesting. ” That’s why in England and much of the European nations, there is both a virtually unconditional freedom in this area, hand in hand with strict legislation for which incurs illegalities. ”

The specialist, interpreted the phenomenon as one of the many forms of sadomasochism known. He explained that sometimes there are areas without exact delineation between consensual and nonconsensual, particularly when violence is mutual.

“In Uruguay there are no statistics or studies where it is possible to learn about the roots of these behaviors in society. But we must remember that just a step beyond the consent for the game of love, is domestic violence. Not at all because yes, the Uruguayan Penal Code was modified recently to include rape as a crime as possible, even within marriage. ” Sexologist recalled that the phrase: “My husband raped me!” Is not at all alien to the psychiatric consultation.

He noted in this connection that this aspect is beyond, as long as “the woman complains often in consultation, that man does not respect it.” Acknowledged that this does not prevent there who like violent games, “even when the beatings are part of the game, sometimes it is complex to define to what extent they are consensual or not.”

Flores Colombino said finally that the issue is not the primary approach in psychiatric consultation in general, but patients usually come from other clinical areas where they have been treated by their erotic practices. *

Safety programs in construction, which include mandatory inspections of tools and equipment, help raise awareness of safety in the workplace. The construction industry must also comply with the Act on Occupational Safety and Health 1970 (Occupational Safety and Health Act of 1970). Compliance with this law is overseen by the federal agency known as the Safety and Health Administration (OSHA, for its acronym in English).
Workers Compensation

In many cases, a state requires employers to have compensation insurance to protect the right of workers to receive payment for lost wages and medical expenses resulting from injuries sustained at work. The workers’ compensation laws were created to avoid disputes when a worker is injured on the job and allow the injured worker receives medical treatment and lost wages without having to prove their injuries were caused by the negligence of the employer.

Injured workers are entitled to workers’ compensation costs related to:

* Injuries long and short term
* Permanent loss of all or part of any body part
* Vocational training that allows employees to perform other work if an injury prevents you from re-construction
* Physical Therapy

In the event that an employer disputes the claim of a worker’s compensation, the case is handled by an administrative agency designated for that purpose. An administrative law judge determines whether an employee is entitled to receive workers’ compensation.
Responsibility for construction accident

Because multiple contractors and employees work in a construction site, many parties may be liable if someone is injured. Responsible parties may include the owner of the work, contractors, construction managers or professional engineer. Manufacturers of construction machinery may also be responsible for accidents.

General contractors and subcontractors have legal obligations to provide a workplace that is reasonably safe and should warn employees of any hazards that may occur.

A general contractor is responsible for security throughout the workplace and must comply with OSHA standards. Although the general contractor is primarily responsible for this assurance, any subcontractor of the work must also ensure safety at work and always comply with OSHA standards.

The number one thing should focus on everything that is written down. Every detail you can remember about the accident must be written on paper. The type of injuries he has received must be documented, and any other effect of the accident, such as lost wages due to injuries. Also, try to see exactly what the other party involved in the accident said, when you spoke to them.

If you plan to file a claim, be sure to collect evidence. Photographs, witnesses, anything and everything that can be used to build your case. Pedestrian accidents often occur in broad daylight and usually busy roads. It is usual that a large number of witnesses around, try to write down the names and phone numbers of as many as you can.

Finally try to contact a pedestrian accident lawyer as soon as possible. Many states have a statute of limitations on the time elapsed between the accident and the date on which the complaint. A good accident lawyer must know everything about this, and help you not only to lodge a complaint with the statute, but also do everything possible immediately after the accident that could help decide who was to blame.