Insurance is a facility that offers compensation to the people on different properties, on their health and other products as well. In this modern era, mostly people of the world want to get some benefits for their automobiles. In different foreign countries of the world and also the United States of America, at least some high level of auto insurance is essential for all automobile drivers. The amount of their minimum coverage is really different in almost every state. Automobile insurance policies or Auto insurance can easily be bought from some high-quality insurance companies to save vehicles against injuries or damages in automobile accidents. Every owner of an automobile wants the best and unique coverage available to cover their automobiles and looking around to evaluate service is the best place to start. If you are searching for some well-recognized and right auto insurances, then you must need to decide which type of coverage you require. Different auto insurances can easily cover numerous skills.   There are countless different types and categories of auto insurance, but auto insurance has two major categories as well. In these types, Comprehensive and Liability auto Insurances. Comprehensive auto insurances are the best and most leading policies that can easily cover all types of damages to the automobiles other than those damages that are caused by accidents while driving the automobiles. The main important types of Comprehensive insurance are vandalism, theft, fires, animal damages and floods. Comprehensive auto insurance is generally optional and mostly motorists drop comprehensive coverage of older vehicles. When you cause damages to other vehicles or individuals, you are usually deemed to be liable to pay for the treatment and also for repair. This insurance policy cannot cover you, your passengers in your own automobiles or any other vehicle. The 2nd best and most leading type of Liability Insurance Coverage is well-recognized insurance for physical injuries. When another individual or any other person has covered medical bills, suffering, loss of income and pain party is injured during an accident deemed to be your fault. Bodily injury liability insurance of coverage does not broaden to people on your own insurance policy who may be offended in an accident. “Where Do You Purchase Auto Insurance? There are many places where you can find and purchase the car insurance that you need. Depending on your specific area you may find that you need more coverage than you currently have. There are many regions that require auto owners to maintain a certain amount of coverage. If you do not currently have auto insurance then you need to seriously consider where you will purchase your policy. You simply cannot drive about without the proper auto coverage. Take the time to go online and begin getting car insurance quotes from various insurance providers. This should not take more than a day or so depending on how many companies you plan to contact. It is recommended that you receive quotes from at least three to five different carriers. This allows you to choose a policy that offers the benefits that you want while being able to choose the lowest cost for your premiums as well. If you simply do not have the time to do the research and receive quotes from various insurance companies yourself then you can use a website that is specifically designed to provide this service. There are sites that allow you to put in your requirements for insurance and various other information. They will take your information and then find the lowest cost and best coverage for your car insurance needs. Using a site like this will save you time as you can input your information once and receive quotes from many different car insurance companies. Quotes are normally delivered to your email inbox and then you simply choose the policy and premium that you like best.”

Last week, in National Farmers Union Property and Casualty Company v Garfinkel, the Colorado Court of Appeals decided whether a “Business Pursuits Exclusion” was ambiguous, and if not, whether it applied to the facts of the case.

In general, the intent of a homeowner policy is to protect the insured homeowner against the risk of liability for injuries (damages) suffered by others. But these policies often exempt from coverage any injury (including property damage) “arising out of or in connection with a business engaged in by an insured.”

In what is becoming less and less true with the growing virtual economy, the court stated that “people characteristically separate their business activities from their personal activities,” and thus “business pursuits coverage is not essential for their homeowners coverage and is excluded to keep premium rates at a reasonable level.”

A typical business exclusion looks like this:

SECTION II – EXCLUSIONS
1. Coverage E – Personal Liability and Coverage F – Medical  Payments to Others do not apply to “bodily injury” or “property damage”: 
b. Arising out of or in connection with a “business” engaged in by an “insured.”  This exclusion applies but is not limited to an act or omission, regardless of its nature or circumstance, involving a service or duty rendered, promised, owed or implied to be provided because of the nature of the “business.”

The court noted that the policy also defines “business” to include any “trade, profession or occupation,” and followed the majority of courts in other jurisdictions in finding that the exclusion is “expressed in plain, certain, and readily understandable language,” and thus not ambiguous.

That was not the end of the matter. The court then had to determine whether the particular activity at issue in the case was a “business pursuit.” For this, the court applied a two-part test: (1) was the activity done continuously or regularly, and (2) whether there is a profit motive. 

If an activity can be charcterized by both “continuity” and “profit motive,” it qualifies as a business pursuit for which coverage is excluded. Most courts hold that the activity need not be the insured’s only or even primary business or occupation. “Part-time or supplemental activities may constitute business pursuits for purposes of the exclusion,” and the Colorado appellate court agreed.

As to the second, or “profit motive” prong of the test, actual profit is not required so long as the activity is in fact a way of procuring subsistence or profit and there is a motive to make a profit. Even the minor motive to cover costs and expenses will likely satisfy this prong of the test. In other words, profit need not be an immediate or even primary consideration of the pursuit or activity in question. An activity that you do for the love of it may still be a business pursuit!

Further, the exclusion may apply whenever the insured is furthering his or her own business interests or, take note, the business interests of another, even if the insured does not receive any remuneration for the service.

At the Redlands family law firm of Lenita Skoretz, I provide information and opportunity for my clients to meaningfully participate in the process of finding a legal resolution to their family law concern.
I work cooperatively with individuals and couples to help them achieve an independent adoption (the adoption of a child from an unrelated person) a family or stepparent adoption (the adoption of the child of a family member, including a same-sex partner, or the adoption of a step-child by a step-parent).

Independent Child Adoption

I provide legal assistance to families or individuals who are adopting a child through a private adoption agency or through private placement. This can include the adoption of an unrelated child, or the child of a family member, such as a grandparent adoption of a grandchild or an aunt adopting a niece or nephew. An experienced adoption lawyer can help your adoption process run smoothly.

Stepparent – Stepchild Adoption

Stepparents do not automatically have legal guardianship or decision-making rights regarding a child who enters their care through marriage. The child’s biological parents retain those rights, even if one of those parents has never lived with the child or had a relationship with the child.

When an involved stepparent makes the decision to adopt a stepchild, he or she is giving that child a very visible sign of love and support in addition to all the legal rights that a child enjoys from a parent, such as the right to inheritance. I am pleased to help families accomplish the stepparent adoption process to provide a secure foundation for the children in their family. Please contact me to discuss your stepparent adoption case; many stepparent adoptions can be accomplished with few complications.

GLBT Adoption

I help gay and lesbian couples build strong, loving families through adoption. I help couples who are adopting an unrelated or related child through independent (private) adoption. I also help one parent adopt the biological child of the other parent from a previous marriage or from artificial insemination (similar to a step-parent adoption). Please contact me to discuss your GLBT adoption case.

Sometimes, when we’re in a dire situation like dealing with a drug charge, we tend to forget what we’re supposed to do. We worry and think about a lot of things, causing everything to get confused. If you have been charged with a drug crime, the first thing you want to do is find the perfect drug lawyer for you.

Do not simply hire any drug lawyer. Drug cases differ and not everyone specializes in every type of case. So, don’t compare your situation to someone else’s and think you can just hire the same lawyer and expect the same results. Instead, relax and think of a way to deal with it. Ask for help from professionals that really know what they are doing when it comes to your case.

Immediately find the best drug lawyer. Having a case doesn’t mean that you don’t have any rights anymore. That’s why you have to be careful when choosing a lawyer. You should choose someone who doesn’t just represent you, but defends you with passion and skill. Or at least someone that will make negotiations that’ll give you a fair shot. Look for someone who will listen and understand your situation and meticulously plan out a clear way to defend you. Not just someone who will take any case for a quick paycheck.

Know the possible charges. Since charges differ in every case, you should at least be aware of the ones that you are facing. Take a look at these:

• Drug trafficking – is where you sell, transport, or illegally import unlawful controlled substances, such as marijuana, cocaine, heroin, methamphetamines, and other illegal drugs. Drug trafficking/distribution is a felony and is a more serious crime than drug possession. If you’re found in possession of drugs, you could be charged with trafficking if the police believe you intended to sell them. If you’re found with a large quantity of drugs or cash at the time of your arrest, it is likely you’ll be facing drug distribution charges.

• Sentences for drug distribution and trafficking can generally range from 3-5 years to life in prison, but can be substantially higher when larger quantities are involved.

• Drug dealing – charges for the sale or attempted sale of any type of illegal controlled substance, such as marijuana, cocaine, heroin, or meth. Drug dealing charges are more limited than charges for drug trafficking, which include any part in the chain of the making, transporting, and selling of drugs.
• Generally, the penalties for drug dealing are determined by the type of drug sold, the amount of the drug that was sold, and the number of prior offenses of the defendant, if any. In some cases, even if a person didn’t intend to sell drugs, they will be presumed to be selling if they have over a certain amount of the drug in their possession.

• Possession with intent to sell – a more enhanced charge than possession, and intent to sell charge occurs if law enforcement deems that the person caught was planning to sell the drugs. This can result when large amounts of cash or drug items such as scales or baggies are present when an individual is caught. The fact is that adding “intent to sell or deliver” is quite subjective and can greatly depend on the interpretations of police or prosecutors. In any case, being convicted of this serious drug crime can lead to devastating consequences like incarceration, severe fines and other harsh penalties that can affect your future for years to come.

These are quiet few of different types and charges you may face with any drug case. Some charges may be extreme, some may be just a small fine. Whatever the circumstances may be, it’s best to avoid putting yourself in that situation.

Struggling with drug case? Worry not! We’ve got you covered. Visit benarilaw.com for the best of the best drug lawyers.