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byAlma Abell

For many adult children who are the full time caregivers for their parents having a solid relationship with their home care agency in Easton MD makes all the difference in their being able to carry out their own daily duties worry free. With more baby boomers getting ready to retire those that still have parents living find that the time has come for role reversal in those parent child relationships. If you are approaching retirement age and still working full time the recent decline in one of your aged parents health can raise large logistical problems for you.

As parents come of age it is not uncommon for them to withdraw from many of life’s regular activities. Some find that even leaving the house for church once a week has become rather overwhelming for them to undertake alone. By relying on the use of a home care agency in Easton MD you can rest assured that your parent is being cared for and is not forced to withdraw completely from activities outside their homes.

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When you have a parent for whom mobility is an issue having a home care agency in Easton MD provide a home health aide for a half a day even three or four days a week can provide you great piece of mind. For those who cannot be there each day with their parent, a home care agency in Easton MD can send a worker who will work from a list of activities and events you want covered for your parent each day.

Items like meal preparation to ensure your mother or father is getting a hot meal to start the day with helps keep them in good physical shape to warrant off any sickness. Getting assistance with self-care items like washing hair and bathing is one of the services most seniors feel happy to have assistance with. Most senior home accidents occur around the bathtub or shower, so having professional help can really ease a loved one’s mind. Making sure that medications are administered and any type of physical stretches or exercises are completed is another benefit of hiring a home care agency in Easton MD. In addition light housekeeping and incidental laundry services are well within the everyday duties that the home care worker can provide.

With the increasing age of our parents it’s good to know that quality help is available to be there for them when we aren’t able to. When you enlist the everyday help of a home care agency in Easton MD you will be able to save the time that you can spend with your parent for true visiting.

For the best in senior home health care services in the Salisbury MD area call Capital City Nurses. Capital City Nurses have staff to meet all the daily needs of seniors who choose to stay at home call or visit Capitalcitynurses.com today.

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By Wade Robins

One definition of adoption is assuming permanent responsibilty and parenthood of a minor, not related to you by blood, through a valid legal process. There quite a few varying categories of adoptions.

The first category is distinguishable by the age related terminology used for the developmental stages from infant to adult.

1. INFANT: adoption takes place prior to, or directly at birth or somtime within the toddler years.

2. WAITING-CHILD: pertains to adopting toddler aged children. 3. OLDER-CHILD: involves children over the age of 2. 4. ADULT: the final stage of “age-related” adoptions. Comprises of one adult adoptig another adult not related by either blood or marriage. Such as a young adult adopting an older adult, age 65 or older.

Another category consists of adoptions occurring within a famiy related by blood or marriage.

1. RELATED CHILD: the child is adopted by someone within their family, such as, but not limited to, an Aunt, Uncle, or Grandparent.

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2. STEP CHILD: after a lengthy legal process involving the Termination of Parental Rights of the absent or non-custodial biological parent, the step parent adopts the step child. The next category, generally labeled as foreign adoption,

1. MILITARY or OVERSEAS: involves a child or children being adopted by a member of the military overseas.

2. INTERNATIONAL: a couple chosen has chosen to adopt a child native to another country. Two other more frequently occurring types of adoptions are,

1. SPECIAL NEEDS CHILD: the adoption of children with above average medical, mental, etc. needs.

2. FOSTER CHILD: the placement of a child with adults, both educated and qualified to care for the child. Financial Facts About Adoption.

The financial aspect of adoption is inflenced by a couple of factors. The expense could vary from nothing to being extremely costly, which would rely heavily on the specifications of the contract drawn up between the adoption agency and the adoptive couple. Another factor to consider is which category your adoption will be defined in. For instance if you have chosen INTERNATIONAL, this type is relatively costly, as well as lengthy in procedure. For more info see childadoptionguide.org/Adoption_Photo_Listing.html on adoption photo.

Six Steps To Finalizing the Adoption

By understanding beforehand that the procedure for adopting a child can be emotionally taxing as well as span over the time of 30 days to possibly 2 years to finalize, helps the adoptive parents better understand the system.

1. The first 4 to 12 weeks are an excellent time to educate yourselves about the adoption process. Read, seek out groups offering information sessions, and use the web.

2. The 12 to 24 week period is the time for a tentative decision on which category you’re interested in. Keep in mind your and the childs background.

3. The 24 to 36 weeks period brings you a finish to the homestudy as a requirement for certifying you as a competent adoptive parent.

4. 36 weeks to 1 year is the time should receive information of either a local or international child. This is the time for a medical review of the child if he or she is foreign, or assuming responsibilities for the biological mothers medical expenditures in relation to the pregnancy.

5. 1 to 2 years The child is placed in your home. Adoption support groups may help you learn to connect with your new child.

6. 1 1/2 to 2 1/2 years The final stage, consisting of reports of the child and its ease of settling into the new home. An attorney may be needed to legally finalize the adoption.

About the Author: You can also find more info on baby adoption and foreign adoption brace.ChildAdoptionGuide.org is a comprehensive resource to help couples with the adoption process.

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The Role Of Public Relations In Branding

by

Sanjay Kapoor

Public Relations (PR) is a domain concerned with maintaining a public image for businesses, non-profit organizations or high-profile people. The brand image of a company depends on the way the company is presented to the clients, to the press. PR agencies in Surrey play a pivotal role in raising profile of clients in the press, online, on radio and on TV.

Public Relations are basically the practice of managing communication between an organization and its target audience. Public relations provide an organization or individual exposure to their audiences using topics of public interest and news items that provide a third-party endorsement. Common PR activities include speaking at conferences, working with the media, crisis communications and social media engagement, and employee communication.

PR agencies in Surrey have expertise and solid background in traditional and online PR. The PR agencies work closely with companies to get them coverage to reach the target audience.

PR agencies in Surrey specialize in different domains such as:

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Media Relations

Reputation Management

Community Action

Press Releases

Newsletter and Brochure Writing

Crisis Management Promotions

Partnerships

Sponsorship

Events

Media Training

Often these agencies advise on websites and write blogs and articles for the clients in the leading magazines of Surrey. PR agencies in Surrey play a major role in brand building. The PR agencies follow strategies that help to enhance the brand image of a company. Different communication channels are used to reach the target audience and get the message of the company conveyed in the right manner and at the right time.

jagPress is a growing and flexible communication consultancy. In only a couple of years we have not only built up a client base in West Sussex, London and the South East but we are now attracting companies up and down the country. Our clients tell us its because we provide a

PR service

that suits their needs.

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The Role Of Public Relations In Branding}

byAlma Abell

The options for a defendant should be well known before the case begins. Criminal cases are the real deal and carry stiff punishment. It’s important to know what to expect. Do you prefer a private Criminal Lawyer Warrenton or a public defender? Will you attempt to cop a plea, or will you attempt to take your case to trial. All of these choices may have positive or negative effects once you go through with them. You need to consult a criminal lawyer to make sure you’re making the best choice.

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For starters, a private Criminal Lawyer in Warrenton is usually one of the best options to make in a case like this. Private attorneys are almost always favored over public defenders. Private defenders have the necessary resources and time to devote to your case. This type of devotion will be good for the outcome of your case. However, private lawyers are routinely very expensive. On the contrary, public defenders are absolutely free. These lawyers are appointed to a defenders case by the courts. They are typically assigned to a specific court, and will handle the defendants that arrive in that court. Some of them are so bogged down with clients, they have a difficult time keeping up with them.

You’ll also have a choice about the type of charges you’ll receive. When you enter a not guilty plea, you’ve got to prepare your case to go to trial. The results of a trial typically end in severe punishment. However, if you’d like to avoid some of this punishment, you can plead guilty or no contest. These two pleas help to reduce your sentencing, and help things move along much quicker. Instead of spending months preparing for the results of a trial, you can have your fate decided in a matter of minutes or hours. A Criminal Lawyer in Warrenton is the person you should consult for this decision.

Since these decisions will be so important for your case, it’s best to consult a professional before finalizing a decision. You should consult a Criminal Lawyer Warrenton in order to make the best choice. If you can afford a private attorney, then you should definitely get one. If you and your lawyer have an opportunity to reduce your punishment, you may want to consider taking it.

By Jim Owens PMP

Abstract

——–

The Hawthorne Effect was extrapolated from, and some years after, research performed by Professor Elton Mayo and his team, in the Hawthorne plant of Western Electric, between the years 1927 and 1932. The research attempted to measure the effect of changing physical setting of working conditions on staff performance. It is suggested that the Hawthorne Effect affects outcomes because the subjects of an experimental intervention are aware that they are being observed and because they are receiving extra attention. Experts are divided on the veracity of the Hawthorne Effect, whilst others accept the conclusion, but reject the experiments as an unsuitable means for proving it.

The Hawthorne Effect

——————–

Professor Elton Mayo of Harvard University led a team of researchers that conducted a series of experiments at the Hawthorne plant of Western Electric, at Cicero Illinois, between the years 1927 and 1932.

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Robbins (1988) says that the Hawthorn Effect was not derived at the time the studies were performed, but was extrapolated later from the results of three groups of illumination experiments carried out at Hawthorne. These results are often offered as proof of the theory.

The suggestion is that increasing illumination levels for the experimental group resulted in increased performance, but subsequent and significant reductions in illumination levels, produced further increases in performance, thereby proving that a group under examination will perform better simply from the knowledge that they are being observed, and because of special attention they receive from management, researchers and peers. That is the effects on performance are psychological.

Harris (2002) gives a synopsis of the Effect, as is generally accepted, The Hawthorne Effect was formulated during the first time-management study, circa 1932, that included employee opinions and preferences.

Psychologists, at the Chicago-based Hawthorne Plant of Western Electric, employed a variety of interventions to improve employee morale and productivity (Diaper, 1990). Independent variables included variations in levels of lighting, room temperature. and length and scheduling of rest periods. Improved morale and increased productivity were observed, temporarily, in response to each of the interventions. Consequently, it was concluded that the experiment, itself, i.e., interest in and involvement of the employees, induced positive attitudinal and behavioral responses. The outcomes of the experiment became known as the Hawthorne Effect, i.e., any change in the physical environment or social interaction that includes input by the target audience is likely to induce, at least temporarily, measurable changes in attitude or behavior.

Adair et al (1989), quoting Adair (1984), isolated the features of the methodology that led to the Effect, Examination of Hawthorne control practices of educational researchers indicates that three salient features of the original studies have been identified as the primary source of the methodological artefact: the special attention subjects received from their observers and supervisors; awareness of their participation in an experiment; and the novelty or unique features of the experimental activity (Adair, 1984).

However Merrett (2006) suggests that the experiments results from the Hawthorne experiments do not necessarily support the theory, The results of these experiments indicated not only that experimental groups who worked with progressively greater illumination produced more (which was fully expected) but that groups produced more who did not have more illumination, and indeed even those groups whose illumination was progressively decreased produced more. Whatever the relation between illumination and productivity, it could not be disentangled from the influence of other variables. No detailed interpretation of these seemingly contradictory results was, therefore, attempted.

Adair et al (1989) performed a set of 86 experiments to test the Hawthorne Effect, from which they concluded, there was no evidence of an overall Hawthorne effect. The mean effect associated with Hawthorne manipulations was non-significant, and hence such groups essentially could be regarded as no different from a no-treatment control. Moreover, a detailed analysis of these studies by their control procedure, and subsequently by other moderator variables, also revealed no systematic trends to suggest a specific artefact to pose as an alternative concern.

Others suggest that the Hawthorne Effect is no more that a legend, for example Occupational Medicine (2006), quoting Gale EAM. The Hawthorne studiesa fable for our times? Q J Med 2004;97:439449, states These at least seem to be the main facts behind the popular legend, although these particular experiments were never written up, the original study reports were lost, and the only contemporary account of them derives from a few paragraphs in a trade journal.

Despite concern with the veracity of the Hawthorne Effect however, if is still often quoted in contemporary research, for example Tan (2004) on the Effects of Background Music on Quality of Sleep in Elementary School Children, Another explanation for the significant experimental effect could be attributed to a Hawthorne effect. In other words, there is a possibility that subjects might be responding to the treatment due to their awareness of participation. This might also be the explanation for why subjects in the control group also showed improvement in their sleep quality.

So whether the Hawthorne Effect actually exists or not is uncertain, but even if it does, it is not viewed by some as a valid conclusion from the original experiments performed at Hawthorne, even if they could be found.

About the Author: Jim Owens PMP is a career Project Manager, presenter and PMP instructor. Jim is director of Certification with PMI Western Australia Chapter, Columnist with

PMHub.net

and Information Age Magazine. Visit Jims website

PromotePM.org

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By VitalChek Staff

The time after the death of a parent, spouse or other family member can be filled with intense emotions of grief. With the stress of planning a funeral and memorial service, it can be easy to lose track of the business of wrapping up personal affairs and settling a deceased loved ones estate.

This article outlines some tips to help get through this difficult time and ensure that the surviving family members are prepared to handle any future legal and business issues, quickly and efficiently.

Uncover any last requests:

If youre lucky, your loved one will have left a detailed, legally certified will outlining burial requirements and distribution of assets. Check with the deceaseds lawyer if youre unsure whether a will exists. If it doesnt, talk with family members to see if any last wishes were mentioned.

Set up a financial plan:

Even the most generous of insurance policies and estate settlements are unlikely to last forever, so meet with a financial planner to set up a long-term budget and discuss restructuring any investments to satisfy your financial goals.

Get several copies of the death certificate:

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You should get a copy of the death certificate for documentation purposes. There will be several instances in the coming days and weeks in which having a copy of the death certificate will be required. Ensure you have more than one copy of the death record; various institutions will require such documentation for settling an estate and youll find maintaining additional copies will help you speed up paperwork.

Below are four examples when providing a death certificate is required:

1. Transporting the body:

In most states, the funeral director will need a copy of the death certificate to legally transport the body to the funeral home and will file the death certificate with the courthouse for legal proof of death. The funeral director will also need a copy of the death record to apply with the health department for a burial transit permit.

2. Claiming a life insurance policy:

If your loved one had life insurance, the life insurance company will require an official certified death certificate as proof of death when a primary or secondary beneficiary submits a claim. Generally speaking, a secondary beneficiary is only allowed to make a claim if the person listed as the primary beneficiary has also died. In either situation, photocopies are considered unacceptable.

If the death was found not to be from natural causes (such as an accident or a homicide), you will also need a copy of the investigative report to be eligible for additional accidental death benefits. Check the fine print of the policy to see if this sort of coverage was provided.

3. Closing bank accounts:

Any existing checking and savings accounts will remain open and any applicable fees will continue to be charged as long as there is money in themunless you formally close the bank accounts. You will need to bring in a certified death certificate and fill out a Death Notification Form as supplied by the bank to officially close the account and withdraw or transfer any remaining funds.

If the account was a joint account with your name on it, the death notice is more of a formality to make the bank aware that no more deposits will come in under the deceaseds name beyond any related insurance settlements.

4. Transferring retirement benefits:

If you are named as a primary beneficiary on a 401(k), individual retirement account or company retirement plan, supply a certified death certificate to roll the benefits over to a retirement account in your name. If you decide to withdraw the money and place it into a checking or savings account, be aware that you may face a significant tax penalty.

The days and weeks following the death of a loved one can be very stressful. Settling an estate requires the submission of paperwork to each individual institution where an account is held by the deceased. Youll also need to provide paperwork when requesting a death-related service or benefit. Part of the paperwork requires providing documentation of the death. Death record policies vary, so be prepared to provide an official certified death certificate copy available by mail or in person from the state or county vital records agency where the death occurred. Government-certified copies of a death certificate can also be obtained on an expedited basis through authorized online service providers such as VitalChek.com

Since multiple copies are generally required, you should determine the number of certificates you will need before you place your order and avoid having to duplicate your order or pay separate order processing fees.

About the Author: Marty Morgan is an advocate for the

vital record

industry with an interest

birth certificate

,

death certificate

,

marriage record

and

divorce record

public record searches.

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Rajasthan The Royal State of India

by

nikee kapoor

Want to feel like a King? Go to the Land of Kings!. Rajasthan, the largest state of India located in the western region of the country is aptly acclaimed as the Land of Royalty and holds a lot of untold secrets and unheard stories in its womb. It was ruled by the Rajputs for a very long period and they were highly regarded by the natives. The Rajputs were the descendants of the Kshatriyas which were the warriors of Vedic India. The world’s oldest civilization, the Indus Valley Civilization has it’s roots in Rajasthan. The Great Thar Desert of India covers the major part of this state. Besides the lush green forests, lofty mountains and vast ocean, The Thar Desert, well known as Ocean of Sand is one of the major tourist attractions of India. The best way to explore the hidden gems of Rajasthan is to board the luxurious trains like Palace on Wheels or Royal Rajasthan on Wheels. To get a deeper insight of Rajasthan, let’s discuss the best attractions of this place before you book your flights to Jaipur India.

Thar Desert:- The Thar Desert, well known as the Great Indian Desert, is located at the western region of Rajasthan and is the second largest desert in the world. It is encircled by the Aravalli ranges on the east, by Rann of Kutch on the south and by the Indus river on the western part. This Indian desert is diversely rich in its flora and fauna. Around 25 species of snakes and 23 species of lizard inhabit the region. Wildlife includes black ass, wildcat and black buck. Camel Safari, a famous attraction of this place is an experience which should not to be missed.

Forts and Palaces:- Rajasthan is far-famed for it’s majestic forts, splendid palaces and elegant havelis that were constructed by Great Maharajahs of Rajasthan. In all there are around 14 forts in Rajasthan with Chittorgarh Fort being the largest in India. The other forts include Nahargarh Fort, Amber Fort, Mehrangarh Fort, desert forts of Rajasthan and beautiful Jaigarh Fort in the city of Jaisalmer. The Land of Maharajahs is also known for beautiful temples and elegant gardens and imperial palaces. Few to mention are City Palace, Hawa Mahal, Lake Palace, Jai Mahal and Umaid Bhawan, which is one of the world’s largest private residences. These palaces are remarkable example of Rajput’s art carved out of red and pink sandstones.

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CULTURE:- Being the most vivacious and colourful states in India, Rajasthan is popular for it’s dances, culture, customs and music. Udaipur is famous for it’s Ghoomar dance and Jaisalmer for Kalbeliya dance. The attire in Rajasthan is adorned with lot of embroidery and mirror work with traditional dress of females being chaniya choli. The economy of Rajasthan is predominately agricultural and pastoral.

CUISINE :- Rajasthani cuisine depicts uniqueness in flavour with liberal use of spices specially a lot of pepper in it’s dishes. The food items are rich and ingredients are mostly coarsely grained. There are a variety of dishes like dal bati churma, mawa kachori from the land of Jodhpur, Mawa of Alwar, Malpuas from Pushkar, Bikaner’s rasgullas and ghewar from Jaipur. The best place to get truly absorbed in Rajasthani culture, custom and cuisine is the Choki Dhani.

FAIRS & FESTIVALS:- Fairs and festivals are celebrated with great exuberance and zest in Rajasthan. Few of the famous festivals that are celebrated each year are Desert festival, to rejoice the glory of desert land and it’s rich heritage, Pushkar Fair, which is the largest fair in the world and the Bharatpur Brij Festival, dedicated to Lord Krishna and celebrated every year before Holi. The most popular Pushkar Fair is an annual camel and livestock fair which is celebrated till five days and this place is also well known for it’s ghats, lakes and the most visited Brahma Temple.

WILDLIFE:- The royal land of Rajasthan is a host to a plethora of wildlife. It has bagged six national parks to it’s credit namely Sariska, Desert National Park, Ranthambore, Keoladeo or Bharatpur Bird Sanctuary. Some wildlife species that are vanishing at a fast pace are abundantly found in the desert region of Rajasthan like Blackbuck, Caracal- a wide cat, Great Indian Bustard, Indian Wild Ass and other wild animals like snakes, insects and lizards.

SHOPPING:- Jaipur, the pink city in Rajasthan is the chief shopping hub for clothes, jewellery, footwear and almost everything with huge variety and price range. Other famous markets are Bapu Bazar, Nehru Bazar, Jauhari Bazar, MI Road and Tripolia Bazar. All these markets are flooded with tourists for the hunt of handicrafts, handloom items, puppets and pottery.

To get a Royal Rajasthan experience, plan well in advance and enjoy the life in a royal way.

Nikee Kapoor, a graduate in tourism management from Delhi University, loves travelling and has acclaimed loads of accolades to his name for being an expert in establishing brand India in the Travel and Tourism market. If you are planning your trip to India he is the best person to show you around and enhance your travel experience manifold. you can consult him for any information about Royal Rajasthan Experience or can visit his website.https://www.flightstoindia.co.uk/tours/royal-rajasthan-experience.aspx or https://www.flightstoindia.co.uk

Article Source:

eArticlesOnline.com }

Submitted by: Al Oberm

Accidents can happen anytime, even if you are an extremely cautious and defensive driver! Most accidents actually occur within a 25 miles of the home, according to a Florida highway spokesman. Sometimes, they happen right in your own driveway. Just ask my sister-in-law who hit her friend s car in her driveway while backing up! No matter where they occur there are a series of steps that should be followed after an accident.

The Consumer Protection Association of America continually develops a list of recommendations for drivers so that they ll actually know what they need when a traffic accident occurs. This fine organization takes major steps to increase public awareness regarding traffic safety. Some of the steps are preventative and should be followed now before you re involved in an accident.

One, have an emergency kit in your glove compartment or storage area. The kit should include a cell phone, pen, pad of paper, and a disposable camera (this is very important). With today most of us carry a cell phone, which takes pictures. As long as you insure that your cell phone is with you and carries a charge this should suffice for the cell phone and disposable camera in the kit. These items are for recording the key information regarding the accident and the scene. You should also have a card with information concerning any medical allergies or conditions you have that require special attention, as well as emergency contact information. It is also recommended by other agencies that you have a number list ed on your cell phone under ICE (in case of emergency), where the attending policeman or EMT can simply hit speed dial on your cell phone to reach your emergency contact. You should also have traffic cones, warning triangles and emergency flares in your trunk.

Two, you need to insure that safety is first! When you are involved in a minor accident and there are no serious injuries, make sure that the vehicles are moved to the side of the road. Do not stay on the road and become an obstacle to oncoming traffic. If you do this, it may result in the occurrence of more and more serious traffic accidents because of your vehicles creating an obstruction in the road. My wife was rear-ended by another woman on an exit ramp and they both left their vehicles on the ramp believing it to be safe and that it was important for the police to see the exact position of the vehicles. In spite of the fact that both vehicles were clearly visible for a minimum of 300 yards and they both had their flashers on, another drive came up and rear-ended the SUV that had originally struck my wife! My wife called me on the cell phone and told me what was going on and I told her to get those vehicles off of the road right away! If the car or cars is not movable, make sure that the other motorists are warned by turning on the hazard lights and setting out flares, traffic cones or orange triangles to divert traffic. If you cannot move the vehicle, do what you can to alert the traffic and then move away a safe distance in case of any further accidents.

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When you are involved in an accident with serious injuries make sure that no one is in immediate danger (from fires, falling tress or telephone poles, etc). After you have made sure of this, attend to those hurt. It is important that you not move anyone that has been seriously injured unless they are in immediate danger. Further injury can occur from movement. It is always a good idea to let the emergency response teams attend to and moved the injured whenever possible to help prevent this.

Three, exchange all of the important information with the parties involved. You ll need to obtain the other driver s name, addresses, phone numbers (home and work), insurance company, car insurance policy number, driver s license number, license s plate number, and make sure to write down a description of each car, the year, make, model, color and any apparent damage. Also, write down what occurred during the accident as soon as possible. Pay special attention to the position of the vehicles, sequence of events and the cause of the damage.

I recommend that you write down all information readily available to you without the cooperation of the other driver such as the license plate number, make, model and color of the car, driver description and brief description of other occupants. Also, obtain any witness information at this time. As long as no one is hurt, most witnesses will soon depart the accident scene, and you want to make sure that you have their information. After obtaining this info, then approach the driver about their information like driver s license number, insurance information and contact information. This makes sure that the other driver cannot bolt from the scene while you are distracted without obtaining information and it lets them know that you are all business.

Four, take photos of the accident scene and the cars involved. Use your disposable camera or cell phone to document the damage to all the vehicles and the scene of the accident. If there are important points to demonstrate such as long skid marks, hidden entrance/exit, etc. make sure to document these as well. Make sure that the vehicle photos illustrate the total context of the accident so that they will back up your claims. If there are witnesses, make sure to ask them for their name and phone number, and ask if they ll help you in case of problems with the other driver disputing what actually happened.

Five, file an accident report as soon as possible and obtain a copy of it as soon as it is made available. In some areas law enforcement officials do not respond to traffic accidents unless injuries are present. You should always call the police and request that an officer come to the scene to right up the police report. They will obtain the information from the other drive, if they are uncooperative with sharing the information with you, and they will write down their observations of the scene of the accident, which will further support your claims. If you cannot get a policeman to the scene where your accident occurs, find out how you go about filing an accident report and do so right away. You may have to go to the local police station or you may be able to download accident report forms on-line depending on your locale. A police report usually helps speed up the claims process.

Six, understand your insurance coverage before an accident. The more you know about your insurance coverage the easier the claims process and procedure will go. Does your policy cover towing or a replacement rental car fee? If yours does not and the accident was the other driver s fault immediately make a claim for this with their insurance company.

The question everyone is typically concerned with is Who is going to pay for this? If it is the other driver s fault you should insist that they pay for the damage. If they agree, get them to acknowledge this in writing if possible. The other drive may be agreeable to pay for the damage now, but after a little time goes by and they are not in your immediate presence they may have a change of heart and decide to try and stiff you (this is why you need witnesses, documentation, etc.).

I recommend calling someone if available to assist you in the accident management process. They will be much calmer and more objective in seeing that everything is carried out. I arrived prior to the police at my wife s previously mentioned accident when our van was rear-ended. I checked and made sure that everyone was okay. Then I made sure that the vehicles were a safe distance from the road. Next, I obtained all of the vehicle information (make, model, color, license plate number), photographed the vehicles and the accident scene. I then obtained the driver information from the other two drivers involved. After I obtained the car insurance information, I immediately contacted the other driver s car insurance company and had them open a claim for the damage that had been done to our van. I did all of this before the policeman completed writing his report. I then talked to the police officer and obtained his name and learned the content of his report. When I determined that I was satisfied the content accurately portrayed what my wife indicated had happened, I asked him for the report number so I could obtain a copy as soon as possible. My doing this streamlined the whole process for our claim and it moved through like clockwork.

If you drive a Jeep and you need some replacement parts, you can get them for low prices at Xtreme Terrain Concepts, which specializes in Jeep items. They can be found at www.xtremeterrain.com

About the Author: Al likes to learn more about automotive isuues. Al is a marketing mgr for the leading on-line retailer of aftermarket Jeep parts and accessories,

Xtreme Terrain Concepts

. They can be found at

xtremeterrain.com

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