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What Does Personal Achievement Mean to You?

There is something special about setting out on a personal journey to achieve something, going through all the ups and downs of any personal change and finally reaching the goal you or someone else set for you.

More than achievement for your team or your community there is a great sense of fulfilment about reaching a goal.

What does personal achievement mean to you?

1. Satisfaction

When you decide to do something, especially if it is something you’ve not done previously then you can feel a personal; sense of satisfaction when you achieve what you wanted to do. It might be something as simple as tidying some clutter or clearing out some old clothes no longer needed, or as complicated as planning a journey around the world.

2. Fulfilment

Similar to satisfaction but also this means that you can feel that you’ve completed part of an ongoing sense of change or a process. For example if you are discovering how to use a new camera you can feel a sense of fulfillment when you have taken a set of photographs and viewed them on your computer.

You know you have a lot more to learn but are fulfilled at completing the initial part of the process.

3. Completing a journey of change

Change may take a moment or go on for a long time, but when you have planned to do something over months or years then when you finally reach the destination there is a sense of great achievement. This could be something such as completing a University course or preparing for retirement and what you will do when you stop working. I can identify with both of these scenarios.

4. Overcoming objections

When you start to talk about changes you want of goals you hope to achieve it is a common experience that some people will tell you that it is impossible or you won’t be able to do that thing. Yet when you are determined to do something and continue in spite of objections there is a wonderful sense of completion when you finally do it.

5. Reward

There might be a valuable prize when you reach the goal, yet the actual value isn’t necessarily vital. For example a certificate to show you passed an exam is only a piece of paper yet the value of that reward is tremendous and gives a great sense of personal achievement. Something which shows you and others what you’ve been through on your journey of change can enhance you own sense of its value.

Top Ways to Save on Auto Insurance

When you get a car, you need to have auto insurance. It is important to get coverage that is comprehensive, but also inexpensive. While most people care a great deal about getting a good price when they first set out to get car insurance, they often fail to continue searching thereafter. Not continually looking for good deals can cost you hundreds each year.

Many people are unaware that the cost of your auto insurance can be lowered to help you save, depending on your driving record, your car, and where you are.

Increase Your Deductible

If you insurance the amount you pay for a deductible, it will reduce the cost of insurance fees. Now understand that this move is certainly one way to save on the costs month to month, but if you end up in a car accident, then yes it can end up costing you more to fix the damages.

However, if you have a history of being a safe driver, try it out and set some money aside for an emergency fund to cover unexpected car costs.

Try Carpooling

There are some insurance companies which actually track mileage, so the less you drive, the cheaper your coverage. With these policy types, if you drive less than 7,500 miles you get the lowest rate, and anything up to 13,000 is the medium rate.

Change Plans to What You Need

It is better for you to change plans to what you need, when you need them. Buying a brand new car is going to require different insurance compared to an older car. When you are paying off your car loan you will need collision and comprehensive coverage, but once it is paid off you have many more insurance options at your disposal.

You might end up with more collision insurance than you need. In fact, on older cars it is recommended that you drop collision insurance anyway because comprehensive coverage is comparable inexpensive and will give you all the coverage you need.

Combine Policies

If you have car insurance and renters/homeowners insurance through different companies, you might be able to combine your policy with one company and stack discounts.

Check for Discounts

If you have changed jobs, moved somewhere new, or anything else, keep track of your policy options. You might be able to get a cheaper policy in a new town or with a new job.

Check Your Credit

Your credit score has a small role to play in what your insurance costs are. So pay your bills on time and make sure you work hard to improve your credit score. As you are doing so, continually check to see if you now qualify for lower rates.

Other Discounts

As a student, good grades can earn you discounts. As an adult, see if you can take an adult driver safety program from better discounts. Consider avoiding a red colored car, as these come with higher insurance rates for users compared to other colors.

Lessons I Learned From My Car Accident

I was recently involved in a bad auto accident and I find myself wondering what life lesson this had for me. That was a huge eye opener on life and that in a blink of an eye it could all be gone… just like that.

I was knocked unconscious by the impact and the air bag so the good thing is I don’t remember anything about the accident. My first memory is lying in the back of the ambulance being given oxygen as the paramedics tried to bring me back from my unconscious state.

As I lay in the emergency room, I found myself analyzing my life and thanking God that I was still alive. The good news is, nobody else was hurt and my dog Casey wasn’t with me.

Since that day, the physical recovery has been difficult, but not as difficult as the emotional recovery. I have learned a lot about myself and about what really matters in this world.

I am not invincible and I cannot control everything that happens in my life. I gotta learn to let go of the reins a bit and just go with the flow. I need to be better about accepting the things that come my way that I didn’t plan for. And still be a better person after.

As someone who is in constant motion, it taught me to slow down a little.

I have learned to live each day honestly and fully.

I feel blessed and am very grateful that I have family and neighbors who stepped in to help me cope with this ordeal. There are so many good people in this world. Sometimes we get so caught up in the drama of world news, politics, social media and current events, we forget to look at the big picture. Look for the good in everyone… everyone is dealing with something we don’t know about.

If you have a bucket list… start doing those things. If you don’t have a bucket list… make one. We all have dreams and aspirations for ourselves and for our family. Waiting for “someday”… well, that “someday” may never come.

As I continue to heal physically and emotionally, I have a different perspective on life. The things that matter in life are not “things.” When tragedy strikes, you can either let it break your spirit, or use it as an opportunity to grow and look at life with a different perspective.

I have chosen to grow from it.

Why the Dependent Company’s Cheap Insurance May Not Be Cheaper

You know about the auto insurance companies that boast about their low premiums on national television, radio and social media. They really want you to internalize their messages.

The truth of the matter, though, is that there may be a misconception about what they mean.

“Replace your current coverage with ours,” they proclaim, “and you’ll find savings on your auto insurance!” Or “Allow us ten minutes and we will present you with a cheaper rate than others.”

The real facts indicate that most vehicle drivers will not get any savings with a policy switch to a direct insurance company. This is because no dependent company has the wherewithal to offer any other coverage than their own. The shimmer of a cheap quote can actually be the mask covering an increased insurance deductible and less liability coverage.

In order to underscore this important lesson, we bring you this actual narrative involving someone who decided to go with an independent agency’s ability to locate tailored car insurance for him.

A motorist who had previously been insured through one of these highly advertised dependent companies that promote ‘cheaper rates’ decided to go with an independent agency known for their impeccable customer service.

Following a review of this man’s ‘cheap’ auto policy, the insurance specialist discovered some serious gaps in coverage. Understanding this could cause serious problems if the insured should ever be involved in a car accident, she went to work, looking through the many policies offered through her company’s network of providers. She pinpointed an excellent plan that covered the gaps and had an attached competitive low rate.

The customer was satisfied with the find and left with a fresh peace of mind due to his newly acquired policy.

As fate would have it, it was not long afterwards that this insured was involved in a car crash that left his vehicle in a totaled condition. Because the other driver was at fault in this collision, it was assumed that the other driver’s insurance company would pay for the damages.

But there was one major snag to this. The other insurance company offered to pay an amount that was far below the totaled car’s worth.

It was then that the new policyholder whose car had been totaled decided to call his new company. The insurance company gave him no hassle, no problems. Instead, they mailed him a check made out to the amount that genuinely represented the worth of his car, three thousand dollars above what the at fault driver’s insurance company offered!

Guaranteed: the happy ending to this true-to-life story would have been very different if that ‘cheap premium’ policy with gaps in coverage would have been in place.

Now, you be the judge, is that ‘cheap’ policy really ‘cheap’?

Boat Insurance Can Be Found Cheap

A boat is a large investment and you have to protect your assets. It does not matter if you have you have your boat in storage, or if it is docked. As a boat owner you may be fearful of high premiums that this type of insurance may have. When you add boat premiums to house and car premiums, it can be a scary picture. There is no need to fear as there are ways to get boat insurance for a cheaper rate.

The first thing to note is that there are different types of coverage offered with boat insurance. One of the most basic, crucial and mandatory types is called ‘liability insurance’. This is required by law in all states. This provides coverage to individuals or property which are injured and damaged as a result of your boat. This goes hand in hand with ‘medical coverage’ tied into your boat. The only difference is that it also protects you, the owner. If you happen to meet in an accident, you have to move your boat immediately. If you have an oil leak then you will be charged. ‘Pollution coverage’ and ‘boat removal coverage’ deal with these things.

Now that you have knowledge of the different kinds of boat insurance, you must be wondering how you can still get it as such a discounted rate with all these different types of coverage. The first thing you need to do is get everything you have on the boat properly surveyed and evaluated. Make an inventory of these things along with their costs, so that if the need arises to make a claim, you can be fully covered.

From there ensure you have proper safety equipment. The insurance company sees this is a lower risk, and will give you a cheaper insurance premium. If have no history of any previous accidents with boats, then you will get a lower premium than someone who has had one. Boat owners who have proof that they have recently taken a boat safety course can get reduced premiums. Using the same insurance company that you have used for your other insurance policies will give you an automatic loyalty discount from the agency, resulting in cheaper boat insurance.

Although it is important to consult with your current insurance agency, do not automatically assume that you are getting your boat insuranced cheap. Use their quote as a reference, and begin to get price quotes from other insurance agencies. You may be surprised to find out that these other agencies are offering a better price. Use the internet to get free quotes from multiple insurance companies all in one place.

The Accidental Feminists

I was born on a Monday while my father was golfing. He always took great pride in telling me that. My dad was a salesman — self-made and self-willed. My mother was a resourceful home-economist and clandestine industrialist. I can still see the two of them dancing to Que Sera Sera across the linoleum floor of our newly built suburban track home. They waltzed through moon landings, Camelot, free love, and the breaking of the genetic code. From my staircase view between the balusters, I witnessed the heel turn of the gender gap and the ‘hug and sway’ of a cultural revolution.

“What do you want to be when you grow up Patricia?” It was the $64,000 question of my childhood. I always had the urge to reply ‘How the hell should I know, I’m six years old,’ but I restrained myself and smiled the way little girls were expected to. I do recall marveling at this curious notion that I could ‘be’ whatever I wanted to be. How was that possible? I couldn’t control what I ate, or wore, or even what time I went to bed. My mother and I were locked in a persistent struggle over puffy sleeves, floral overalls, and patent leather shoes. How could I possibly dictate my future?

I realize now that being asked this question in the late 1960’s put me on the cutting edge of social change. In 1968, there were 28.7 million women in the work force and the majority were secretaries, stenographers, and typists. Most clerical workers, waitresses, household staff and cooks were also women. But young females were entering the corporate work force in droves. They were getting college degrees and enrolling in graduate school at the fastest pace in history and their expectations for the future were changing. Suddenly women were able to strive for careers in business and management as never before.

So, I was a little girl at a time of dramatic transformation perfectly captured in the small talk of mothers lunching at Macy’s or on line at the bakery. Alas, my father treated me no differently than my brothers. A small business owner, he saw no gender lines. Women ran his office and my mother ran his books. I recall him telling me over and over again that there was nothing I couldn’t do, if I set my mind to it. His other famous speech was to ‘find a slot in life.’ This was important to him. You may not always get what you want — and you may not always want what you get — but my father felt it critical that you stake your claim in the world and commit to it.

This notion of self-determination was reiterated by my Irish grandfather whom I recall sitting on the beach of The Warren Hotel in Spring Lake, New Jersey with a “highball” declaring that this was the greatest country in the world. He had no knowledge or care that the drinks being brought by the hotel staff actually cost my dad money. And for his part, my father perpetuated this notion of America as the land of plenty and never told “Pop” that the drinks weren’t free.

My mother was a homemaker. All of my friends’ mothers were homemakers. They were wonderful women, but I could not envision myself making a home and putting up with kids like us. So, I dreamed about being a diamond dealer like my father’s friend Red Haberman or selling Boar’s Head meats like Neal Darragh his other pal who had the greatest black and red truck I had ever seen — complete with a giant boar’s head painted on the side.

I did have a brief ‘I want to be a stewardess’ moment that my American grandmother made me promise never to express again. “You tell me you want to be the pilot!” she said with her eyes open extraordinarily wide and her hands firmly squeezing my shoulders. The prospect of becoming a business tycoon, an international spy, and even an astronaut also came to mind. There seemed absolutely no reason that I could not go where no girl had gone before.

And then there was the year that I wanted to be a nun. Outside of the vow of poverty, the dress, the veil and the tunic — I felt I could do that. The notion of sitting around tidy wooden tables, eating Entenmann’s Coffee Cake was wildly appealing. The nuns at my grammar school painted a peaceful and promising picture of humanity. It was so different from the exasperating play-ground at St. Margaret’s School where I was routinely ostracized for not liking the Bay City Rollers. “See I told you she was a freak,” Diane Kavanagh declared as she bounced away with her parochial school pleats swaying across her knees. I had no time for a foreign band in funny pants and knee socks. I had to figure out what I wanted to be.

My cognitive and intellectual development was forged on rainy summer afternoons during marathon sessions of Candyland™ and Kerplunk™ sitting Indian style on the garage floor. And, as I rode my banana seat bike up and down Sandra Lane, a quiet street, tucked into a little cul de sac of suburban New York, I found myself at the sociopolitical crossroads of America. I was ‘The Mod Squad’ and sugar free soda. I was Five Easy Pieces, 60 Minutes, Fleetwood Mac and Aretha Franklin. I was willful and defiant, unladylike and nonconformist and in every respect a child of my era.

I wasn’t mindful of all that was happening in the world at that time, but I knew there was a terrible war. I remember my grandmother’s neighbor on Long Island and the ominous morning that three men with a folded flag climbed their front steps. Their oldest son had just left for Vietnam. His name was John. It was small arms fire. He was 20, and I can still see his picture on their living room wall to the left of the china cabinet. I never looked at that house the same way again. Years later, I still thought about John as I peered across the hedge. What did he want to be, when he grew up?

The truth is that life takes us her own way. Robert Burns’ famously wrote to a mouse:

The best laid schemes of mice and men

Go often askew,

And leave us nothing but grief and pain,

For promised joy!

Still you are blessed, compared with me!

The present only touches you.

The poem is a famed apology to a mouse who’s nest the writer disturbs while ploughing a field. Burns ultimately believes the mouse has the easier life. It lives in the present, while humans are a continuum of all things past. We are a derivative of our collective consciousness, intended or unintended. The mouse never had to suffer through the days before the pocket calculator and the smart phone. It did not grapple with shoulder pads and disco. It was oblivious to, The Cold War, Jonestown, Charles Manson and The Son of Sam. And, in the midst of the tumult and mayhem of the field, the mouse was never asked what it wanted to be.

I now risk sounding like my six-year old self asking my grandmother what it like before there were automobiles. When she arrived in New York from Ireland, she was not checking Car Fax for the best deal on a Tesla or waiting for a freshly vacuumed Uber-ride to the Boarding House. She was just trying to slip seamlessly into the domestic life of a Greenhorn. She was thankful not to be noticed and relieved not to stand-out. At nineteen, I was still deciding on my college major, while she was all-in on a trans-Atlantic steamship — hoping the world was brighter on the other side.

When I look at human existence through her eyes and the pure weight of those transformational choices often made when our backs are to the wall, I realize they are the ones that matter most. My grandmother, mother, aunts and all the women in my younger life didn’t have the luxury of endless options and gender neutral aspirations. They were the pragmatic humanists and accidental feminists that believed “whatever will be, will be” as they methodically cleared away the conventions, restrictions, limitations, and heavy clutter of the past. From The Feminine Mystique to The Girl with the Dragon Tattoo… such were the Days of Our Lives. We’ve come a long way baby, have we not?

Health Insurance Is a Very Important Investment

Health insurance continues to be a subject that sends shivers down the spine of many individuals. The main reason for this is that insurance by itself is already a daunting subject, and specific insurance categories such as health insurance, life insurance, disability insurance and critical illness insurance (only to mention a few) can be quite confusing and the associated costs thereof might appear to be quite astronomical.

Fortunately, the insurance industry is a very competitive industry and provides specialized packages (such as health insurance) for people with different needs and requirements. By making an effort to understand the different types of insurance a bit better, you will soon realize that obtaining insurance is to your benefit, it is not at all a matter of throwing your hard earned money in the water.

When obtaining a health insurance policy, you need to familiarize yourself with the terms and phrases that are most often used. This will help you to not only choose the best policy for your needs and requirements, but also to be fully equipped for having to claim from your insurance, as you will then know exactly what to expect.

Your insurance policy might expect you to make use of an accredited provider. This simply means that the service provider has received a stamp of approval and that this specific provider is meeting very specific quality standards. This is very important, as a health insurance policy provider needs to ensure that you only make use of skilled professionals.

It is a good idea to also enquire about the aftercare stipulations of your insurance policy. In some instances you will require care or follow-up treatment after an operation or a long stay in hospital. Some health insurance policies will cover the aftercare treatments and follow ups, while others might not, so make sure to know what your policy includes and excludes.

When your insurance broker or insurance agent refers to the annual maximum benefit amount, they are referring to the maximum amount that your policy will pay out per year. It is understandable that insurance providers have to set such a limit to protect themselves. Do not forget to find out what your annual maximum benefit amount is.

Once you have chosen a insurance policy and have completed all the necessary forms and documentation, you will receive a certificate of coverage. This certificate is proof that you have obtained a policy, and it furthermore describes the limitations, exclusions, benefits, maximum benefit amount and all factors already mentioned in this article. Make sure that you read through the entire certificate and familiarize yourself with the policy’s terms and conditions.

A health insurance policy can generally be obtained as a standalone policy, or as an add-on to an existing policy. Spend some time on the internet to investigate possible available packages, and discuss any questions with your insurance agent or insurance broker. Obtaining a insurance policy is the responsible thing to do – you never know when you might need the cover!

3 Ways To Haul Your Dirt Bike

There are a few different ways to transport your dirt bikes or motorcycles to the track or trails. Some are cheaper than the others, and others are more convenient. It all comes down to your circumstances and what you prefer. You can transport your bike by hauling a trailer, tossing it in the bed of a truck, or putting it on a hitch carrier. Let’s take a look at the pros and cons of each.


Some people will never pull a trailer behind their vehicle because they don’t want to deal with it or aren’t good at maneuvering. Others will use nothing but trailers just because they allow more room for hauling equipment. Trailers are good in that aspect, and it’s usually easy enough for one person to load the bikes. You can have an enclosed or open trailer depending on how much money you have to spend. Enclosed are more expensive, but it keeps the elements off of your dirt bikes and parts you’re carrying.

Although trailers have a lot of advantages, there are several setbacks. They can cost hundreds or even thousands of dollars, you have to register them (plate, tabs, etc.), they’re more difficult to drive with and park since it can double the length of your vehicle.

Just The Truck

Probably the most convenient way to haul your dirt bike(s) is on bed of a truck. If you already have a truck, this is the cheapest way to go since all you will need are some tie-downs. Toss your bike, gear, and parts in the back, and you’re off to the track! You aren’t towing anything behind the truck, so driving and parking is just like every day driving.

The downsides to hauling your dirt bike with a truck are that it could be expensive if you don’t already own one, and loading the bike can be tricky if you don’t have help or a sturdy ramp. You also don’t get as much room to haul equipment since the bike is taking up space in the bed. If you’re just hauling one bike then there’s plenty of room.

Hauling A Hitch Carrier

A little less common, yet quite simple way to haul your dirt bike is on the rear hitch receiver of your vehicle. It’s versatile since you can use most vehicles to transport a bike. A motorcycle hitch hauler is fairly easy to install, and a bike can usually be loaded by one person. Most of them are affordable, and it’s easier than towing a trailer. Driving and parking is about the same as before since it only adds another two to three feet in length.

Although motorcycle hitch carriers are convenient, most of them have negatives. A lot of them have a slight wobble while driving down the high-way. As long as you don’t buy a cheap, low-quality carrier, they’ll last a long time. Your vehicle and hitch may also be restricted by weight limits. If you’re just hauling a dirt bike and not a street motorcycle you will be able to use most cars, but it’s a good idea to check with your manual on weight restrictions.

That’s the basic summary of what each mode of transportation for your dirt bike is going to give you. If you have the ability to try a new one out, go for it. You never know, it may be your favorite way to haul your dirt bike!

Landlord Rental Insurance Pays For Costly Repairs

Landlord rental insurance is important to have for any rental unit regardless if the mortgage is paid off. This policy protects the property and rights of the landlord for a fee much less expensive than standard homeowner’s insurance. The home and all structures on the property are protected from damage caused by tenants, harsh weather, or unforeseen occurrences.

Landlord insurance reimburses the repair of those damages. Cleanup and repair due to water, sewer, drain, or sump pump backups are included. Damage caused from lightening, high winds, and hail are addressed as well as fires and explosions. During the remodeling and repair process, any loss of rent from vacancy is reimbursed to the landlord for up to one year. Structures on the property such as a garage or shed are also covered. Although the tenant’s personal property is not covered, any personal property owned by the landlord stored on site or left for use by the tenants is also covered. Landlords are also protected if the tenant or a visitor is injured on the property.

There are different types of rental home insurance available. Comprehensive insurance covers most situations and specifies anything not included. Peril policies provide less coverage and list exactly what is covered. Landlord rental dwelling insurance is for buildings housing one to four families. Landlord condominium insurance is for condominiums.

There are generally three payment methods after damage claims are filed and approved. Actual cash value considers depreciation when calculating reimbursement figures. Replacement value does not consider depreciation when paying replacement costs. Agreed loss settlement is the amount paid upon the total loss of the home which matches the amount declared on the policy.

Lawsuit Funding – Settlement Loans for Auto Accident Cases in No – Fault States

Settlement loan companies receive applications for a wide variety of lawsuits. By far the most common lawsuit funding transactions involve personal injury accidents. A large portion of these PI cases are automobile accident lawsuits alleging negligence of the other driver.

This post will discuss so called “No-Fault” automobile insurance legislation and its effect on the lawsuit funding industry.

A Change In Personal Injury Law For Automobile Accidents

Decades ago, car accident lawsuits involving soft tissue injuries were plentiful. So plentiful in fact, certain insurance interests sought tort reform because of alleged abuses.

In response tort reform legislation was passed in many jurisdictions. While specifics varied, so called “no-fault” insurance regulations mandated certain restrictions on suing negligent parties. The legislation limited the type of injuries compensable for negligence in auto accidents. In most cases, only permanent conditions as evidenced by imaging studies, fractured bones or loss of body parts, etc. could form the basis of a successful personal injury lawsuit.

Essentially, actions for personal injury for car accidents must meet a two pronged test in no-fault states.

1. The injury must be permanent in nature and evidenced by objective medical evidence.

2. The injury must have a significant negative impact on the plaintiff’s life.

First Prong -Objective Medical Evidence

The first prong of many no-fault provisions is that there must be objective medical evidence of injury.

Because many medical tests involve the testing of range of motion on patients, insurers believed the results were too easy to fake. For example, a doctor manipulates certain body parts on the patient who will then inform them when the movement is causing pain. As such, these tests are subjective in that the results are solely based on feedback from the patient himself.

Objective tests, such as x-rays, MRI’s, CT Scans and the like do not depend on patient feedback. There is either an abnormality or there is not. There is no grey area and no room for the defense to claim the patient is faking injury. You simply cannot fake a herniated disc or broken bone. It either is or it isn’t.

Utilizing this filter removed a great deal of soft tissue lawsuits in no-fault states. Soft tissue injuries are defined as injuries in which there is an injury but there is no finding of abnormality on any objective medical tests.

For example, a plaintiff who was injured in a car accident, whose neck and back were sore because of whiplash would otherwise have a cause of action against the negligent party for damages. Without a positive finding of abnormality on an objective medical study, this plaintiff will be barred from recovery under certain no-fault tort laws.

Second Prong – Significant Impact On Plaintiff’s Life

Above we discussed that many no-fault tort laws contain provisions requiring plaintiffs in auto accident personal injury actions to have permanent injury with objective medical evidence of injury. In some jurisdictions, judicial decisions and/or statutes also mandate the resulting injury have made a ‘significant’ impact on the plaintiff’s life. This issue is normally left for a jury to decide after hearing all of the evidence in the case. This includes how the accident and resulting injury negatively effects the plaintiff’s quality of life.

For example, a person who, prior to the accident, played a great deal of ‘pick-up’ basketball at the local gym, might pass this standard if after the accident was unable to play. Other examples might include a grandparent who was no longer able to play with his grandchildren or a weekend ballroom dancer being unable to dance because of her injury.

Implication on Lawsuit Funding Applications

By design, the passing of no-fault auto insurance regulations severely limited the type of compensable injuries sustained as a result of a car accident.

As you might expect, the presence of no-fault insurance laws make injuries such as herniated discs, ligament sprains, disc bulges and soft tissue “whiplash” or similar injuries difficult to fund for lawsuit cash advance funding companies. Placing these restrictions on the negligence cases creates an additional barrier to recovery. If questions such as what is a “significant impact” on a litigant’s life is left to a jury, there is simply more risk than there would be in other jurisdictions. Perhaps the jurors will not be fond of the plaintiff or think that he/she is insincere.

Of course, the plaintiff could come off as really sympathetic to the jury causing them to award more than typical damages. However, this does not help the lawsuit funding outfit because it does not earn any more than what is contractual agreed to at the time of funding.

Nonetheless, many settlement loan businesses offer advances on “marginal” cases in states with no-fault insurance laws. Often, the amounts advanced or the contractual repayment provisions reflect this additional risk.

While no-fault statutes changed the personal injury litigation landscape, injured parties are still able to recover for damages. Thus only changing the rules of the game, not the game itself.

Thank you for your interest in the lawsuit settlement funding business.