Month: August 2018

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Motor Legal Protection also known as legal expenses/ uninsured loss recovery insurance is designed to help you if a motor accident was not your fault and you have suffered an injury, need a replacement hire vehicle, or incurred other losses which are not covered under your motor insurance policy.

Motor legal protection will help pay for the legal costs to pursue your claim for you to recover costs including (but not exclusively):

-Vehicle repair -Personal injury -Hire vehicle -Loss of earnings -Policy excess -Medical bills -Legal expenses

Everybody is entitled to claim back uninsured losses, however this tends to require a lot of effort. You would personally have to negotiate figures, policy details, keep track of everything and generally spend a large amount of time on the phone. With motor legal protection, you can rely on someone else to do all of that for you. Claims are pursued by legal professionals which makes the process of getting back to the position you were prior to the accident relatively hassle-free. Essentially motor legal protection makes life easier for you as a driver, providing important peace of mind in knowing that your uninsured losses will be recovered.

A word of caution:

Worryingly, many companies offering free motor legal protection show a preference for personal injury claims and dismiss other claims. Prospective buyers should be aware of these shortfalls prior to purchasing a product and are urged to shop around for more comprehensive, better value for money packages. When shopping around for insurance policies it is all too easy to be lured into -No Win No Fee’ type companies which advertise free services, which superficially offer a great, low-cost alternative to what is normally quite an expensive product. However in reality, these clever companies tend to take a percentage of your compensation before the seemingly -full’ sum is deposited into your bank account. The benefit of purchasing motor legal protection insurance means that you do not fall victim to these companies, therefore ensuring that the pay-out you receive is not compromised in any way. The same caution should be applied to more established insurance companies. All too often high commission rates are added on to motor legal protection packages which boosts up the price. The good news is that if people are prepared to shop around and compare, there are some extremely affordable, good-quality policies available on the market which can help give peace of mind in the event of an accident that was not your fault.

Best Price FS is one of the cheapest providers of motor legal protection cover, delivering the most comprehensive uninsured loss recovery in the UK.

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Legal research is an art as well as a skill. It calls for judgment and creativity along with mastery of a set of tools and techniques. Each research question will have a different starting point, process, and conclusion. The most important thing a researcher should understand that there is never one right path. Researchers choosing different paths for the same research question may be equally successful. Every research project will include false starts, dead ends, and revisions in the initial stage. Legal research is never finished, but a good experienced researcher recognizes when to stop.

Five important steps to perform legal research

Understand the assignment.

Understand the problem.

Define topic and find relevant information.

Update the research topic.

Know when to stop.

The starting point of research depends on the nature of the issue, how it is presented to the researcher, and the researchers experience. It may be a fact pattern, a subject, an issue, a case, or a statute. At the outset, the researcher must determine if the research will be exclusively in case law or if there are statutes or regulations that should be explored. It is also important to determine whether the research will be primarily in federal law or state law, or both.

Research often begins with a fact pattern. We might be given an on-point case or statute, but seldom will the facts of the research question fit squarely with the facts of other cases or the language of the statute. A client relates a narrative for which he feels wronged but has no legal theory to justify or deny compensation. This is when our legal training will come into play. It is extremely difficult for someone untrained in the law to translate a fact pattern into a legal theory of recovery or defense. Legal resources are seldom organized by facts; they are organized by legal theory. It is needful to identify terms of art that might apply to this situation.

The parameters of research may later have to be broadened, tightened, or shifted, but it is reassuring to start out with a map of the area that will be explored. The initial thinking about the legal issues presented by a particular set of facts is likely to change as there is more learning about an area of the law. Remain flexible. Once the relevant terms of art and black letter law become familiar, one should be able to articulate the issue more precisely.

While using databases like Westlaw or Lexis Nexis for Legal Research, doing a full text search can be an ineffective use of time and clients money, especially when the researching area is unfamiliar. Secondary sources are a better place to start the research. They have general information about most Legal topics and they cite useful and relevant primary materials, such as cases and statutes.

Once the research is complete, next task is to isolate the most relevant articles, cases, statutes, and key numbers that were found by different methods of research and which cross reference one another. The final step is to write a persuasive memorandum or brief that can be either IRAC (Issue, Rule, Application, and Conclusion) form or any other easy to use format as per clients requirement.

Every research process will differ. One could have competently explored more or less legal resources depending on what is at stake and the time and money available.

This article compares the differences between legal music download sites VS file sharing networks.

1) Music files available for download:

The p2p file sharing networks heavily out number the legal music sites when it comes to the amount of files available for download. A p2p application provides millions of unlimited mp3 music files, while a legal music download site provides legitimately licensed music files in the hundreds of thousands.

2) The cost of downloading music:

You can download p2p file sharing networks for free, or for a very cheap one-time fee. A legal music download site is usually either “subscription-based” or “pay-per-download”. A legal site will also usually charge extra for the ability to rip or burn music.

3) Variety of files available for download:

A legal music site mainly provides ONLY music files for downloading. A p2p application gives you, besides music files, full movie, game, video, software, TV show and ring-tone files to download as well.

4) Legal Issues & Controversy:

Legitimate legal music download sites are completely free of controversy and 100% legal to use. P2p file sharing networks, while legal, are not without lawsuit concerns and controversy due to how the file sharing technology can be used.

If you choose to use a p2p file sharing program, there are potential risks you need to be aware of, including:

Lawsuit Risks – Peer to peer file sharing networks have been ruled legal in a court of law. However, if you download and share “copyrighted material” you could risk becoming targeted, and possibly sued, by the RIAA (Recording Industry Association of America).

Virus And Privacy Risks – In using a file sharing application, you risk the possibility of installing harmful spyware, viruses, worms and malware on your computer. And if that’s not bad enough, many p2p applications also leave you exposed to online hackers and identity thieves that can steal you personal information.

At first glance the p2p file sharing networks may seem to offer an easy way to get unlimited free file downloads. But remember, nothing is really free and this is especially true with the p2p file sharing applications.

The file sharing programs come with a price of increased privacy and security threats, and potential RIAA lawsuit risks. The ONLY way to guarantee getting safe music downloads online is by using a legitimately licensed music site that provides downloads of music legally licensed from the record labels and artists themselves.

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