Why You Need A Legal Will?

As a father I am always worried about the future of my children. We spend so much time running our busy lives that we sometimes loose sights of everything that can go wrong. We live in the complacency that our lives are not going to change and our families will be as safe tomorrow as they are tonight. The reality is different, people die everyday, married couples seldom passes in twos but it happens from time to time most likely of a fatal accident. A legal will is a legal vehicle that can be used to assign a legal guardian for children in case you pass away. Why you need a legal will? Because if you don’t have a legal contract stating your wishes someone else is going to make decide who is going to take care of them. There are many reasons for you to make that decision and leaving it in your will, those are:

You need to live your children with someone who will likely raise them they way you would have if alive. There are many factors to consider, amongst them the most important are financial stability, physical safety, emotional support and personal values. Money doesn’t buy it all but it sure helps provide for shelter and security. Leaving your children with someone who is not capable of support them is running the risk that they will have to give them up or just not being able to keep them safe. Also, you don’t want the guardian to see them as a burden. It can cause resentment, which as cruel as it sound could lead to mental abuse or rejection.

Courts will appoint someone who they believe is a stable person with no child abuse background, history of alcoholism or any other sign that the person is unfit to be the guardian. It sounds fine but if you personally don’t chose that would be best fit to be the guardian, the children will be raised in the manner that the appointee feels is best. If you are a believer in a particular faith, it stands to reason you want your children to have the same moral compass. Christianity is a large faith, with so many segmentations and variations it is possible that your children will be exposed to views of life that you wouldn’t have approved while living. Consider there are many religions in the world, a guardian appointed by the court could have complete different faiths such as Buddhism, Islam, Hinduism or Judaism which could be other than your own. Their fundamental views will be remarkably different.

The financial aspect of upbringing a child is a pillar to the children’s safety. You not only have to be cognizant of appointing someone with enough resources but also of the person assigned having an honest and judicious approached to finances. By law, children under eighteen can not have property or it is limited to a few thousand dollars depending on which state they reside. A life insurance policy, real estate or large savings can be very tempting for someone to misuse. The guardian could be buying items for themselves and claiming it is being used for the child. There could be other ways your children could be scammed out of money and it can be difficult to prove. The best judge of character is you. A parent knows when someone cares for your children. Why you need a legal will? You need a legal will because you can appoint the right person to take care of the most important people in your life, your family. 

Why Use An Accident Compensation Lawyer

An accident can be a most tragic experience. Everyone who has been driving long enough has seen his or her share. People who work in physical jobs are highly exposed to accidents. During an accident a person is thrown into a hypersensitive state where the body is surging with adrenaline to help the person makes decisions quickly. After an accident a person enters a state of confusion and anxiety. Thinking of the financial consequences an accident can bring is quite stressful. Having a serious accident not only bring trouble for the victim but to all parties injured.

Financial consequences of an accident can be loss of paid time at the job, expensive medical bills, insurance rate increase, penalty fees for late payments and a number of others.

Not all jobs offer good benefits for losing work time. If the accident happened at the job sit while working at least worker’s compensation can bring some relief. However, not all accidents transpire when at the work site. Most accidents happen on the road or at home. Those accidents can be very damaging. For instance, a car accident even as you are driving to work is not covered under worker’s comp. If the accident is not life crippling is not even going to be covered by disability. If you don’t have an accident insurance policy the outcome could be a stab in your wallet. Between house bills and doctor’s bills that can prove to become a real burden. Medical bills are so costly in the US that it can follow you years after the accident even with health insurance.

The injuries could be life crippling. Depending on the job a person has it may be impossible to continue functioning at work without extreme discomfort. It may prevent the person to ever work again. Disability help from the government might be just a fraction of what the person’s salary was before the accident. Most people don’t have personal disability insurance or accidental death insurance which could provide a method of temporary relief for the families. Long term disability insurance can a good supplement but even that may not be enough. The picture looks frightful but that is why use an accident compensation lawyer. A professional can ensure that the insurance company pays all the compensation owed to you when they fail to cooperate, an accident compensation lawyer can also ensure that all at fault parties take responsibility for the injuries.

The insurance company usually pays when you are at fault in a car accident but too many times they don’t pay enough. In those times the other party is at fault, your insurance company may be seeking compensation from the other insurance to cover for your expenses. In some situations the victim may be dealing with the other insurance company themselves. The compensation may be insufficient to cover the expenses. This is why use an accident compensation lawyer. Insurance companies are not in business to cover for all your needs. They are likely to pay as little as possible to safe money. Afterwards, they are likely to raise your premium no matter whose fault the accident was. An accident compensation lawyer can intercede with the insurance company, your job and the other parties involved in an accident to guarantee your family will not experience a financial load from the accident and that you can live as comfortably as you did before prior to your injuries.