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Only three states have refused to make it mandatory for people to carry a minimum liability cover. The others have introduced financial responsibility laws which give every driver a minimum amount of money to meet their financial responsibilities should they be at fault in an accident. This rule does not change in those states that have introduced no-fault insurance programs. The intention is always to keep the uninsured driver off the road. Thus, all states have fines and, in some cases, the power to order uninsured vehicles confiscated.

This all sounds wonderful except the majority of states do not follow it up with effective enforcement. Computers are wonderful things. With the latest technology, they can store vast amounts of information. Better still, they can all be linked together so they share that information. It would therefore be possible for the government departments responsible for licensing and issuing vehicle tags to be linked to the insurance companies and the police. That way, everyone would know whether a vehicle was insured and the police could be proactive and visit with everyone who is the registered title holder. If there’s no evidence of a policy, the vehicle could be removed. Alternatively, the police could monitor all vehicles on the road and on-board computers could give an immediate prompt if a vehicle was not insured. As it is, there’s a good chance uninsured drivers will escape detection unless they are actually stopped for a moving violation.

To correct this imbalance, nine states have introduced no pay, no play laws. Four more states have bills on their way through the legislatures. The point of these laws is simple. In the majority of states operating an at-fault system, any driver who is injured by a negligent driver can go to court and recover damages for their medical expenses, pain and suffering, and loss of earnings. This applies no matter whether the victim is insured. Hence, uninsured drivers have a financial benefit. They have no paid their premiums, but are still entitled to the full menu of remedies available to the insured driver. So, these nine states have changed the rules of the game. Uninsured drivers can no longer make the same claims as the insured. Some headings of damages are either limited or excluded altogether. Read the rest of this entry »

Erectile dysfunction medications are all over the place these days. You see ads in magazines, on TV and get tons of spam in your inbox. Such an aggressive advertising strategy makes most people believe that these drugs are actual remedies for any type of sexual problems in men, and buy them without even knowing what these medications are used for. And once they get these drugs and start using them, a lot of men discover that they aren’t getting the effects they were promised with. This leads to a lot of frustration and criticism towards popular ED meds you get to hear a lot online. But all it takes in the first place is actually learning how to use erectile dysfunction medications right.

First of all you’ll have to make sure that you actually need the drug. A lot of men have occasional problems with erection which they mistake for impotence. There’s nothing tragic about having weak erection from time to time as it’s normal in any age. A real cause for concern is when 1 in 4 attempts of having an erection fail for a long period of time (couple of months). That’s when the condition can be called erectile dysfunction and requires actual medical attention. Read the rest of this entry »

Insurance has long been split on the gender issue – not whether they can use gender to determine rates, but if men should be charged more than women or vice-versa. The ethical question, however, has been debated by governments recently, leading to several industry regulations changes that now restrict the use of gender statistics in determining insurance prices.

The Case Against Gender Rating

Gender rating, as it is known in the insurance industry, is the practice of using statistical analysis to assess risk based on gender and then to charge for insurance accordingly.

Traditionally, this has led to higher prices in health insurance for women as compared to men, and lower auto insurance premiums for women as compared to men.
Health insurance, and to a large degree auto insurance also, is largely determined by two statistical categories: age and gender.

While long practiced, people outside the industry have been critical for decades of this practice that they argue is sexist, archaic, and ineffective.
One activist argued that, “how effective this is doesn’t really matter. The fact is, whether gender rating benefits men or women, it is unethical. It sets a bad standard for the way we do things in this country, where there are few women CEOs and women make far less money than men doing the same jobs.

The statistics are pretty prosaic and don’t seem to back up the rates,” a former insurance actuary said, adding, “there are far more effective ways to determine rates.” Industry-hired actuaries dispute this claim.

California Regulators Ban Gendered Pricing for Health Insurance

In 2010, activists struck a big blow by pushing the state legislature to pass a law that prevents health insurance companies from factoring in gender when determining health insurance rates. The efforts were aided by large national reform on an industry that many feel discriminates unfairly and fails to protect consumers, since they are motivated entirely by profits.

The new law takes effect far before the date a federal ban will come into effect: 2014. Women should see there health insurance rates come down by as much as 30% at this time, as has been observed in California. Read the rest of this entry »

Among all health problems and conditions erectile dysfunction is certainly the most uncomfortable to talk about for the average man. Male psyche is firmly linked to sexuality and when problems occur you can expect a shift in behavior and overall quality of life in a male patient. The traditional approach to sexuality and everything related to it that our society has overcome in only the past few decades doesn’t make it any easier. Some men still believe that discussing such matters even with their doctors isn’t a good idea since the topic is a taboo. Of course, such a misconception isn’t constructive at all and in order to get any adequate treatment you’ll need the help of your doctor. So how should you discuss erectile dysfunction with your doctor?

The first step to discussing ED with your physician is actually informing him that you have intimate problems. You can do this during your regular check-up or during a special consultation. Being shy about your problems won’t be very helpful while talking about it. Inform your doctor that you have problems with erection and he will certainly ask you for how long and how frequently these problems take place. Be informative and descriptive on the matter because the more precise you will be the easier it will be for your doctor to make a diagnosis and choose the correct course of action.

After you’ve discussed your erectile problems with your physician you are likely to be directed to additional tests and exams. Erectile dysfunction is often a sign of more serious health conditions including hypertension, diabetes, heart diseases, hormonal imbalance, prostate issues and even cancer. That’s why you’ll have to go through respective tests in order to pinpoint the exact health condition that lies at the base of your erectile dysfunction. Read the rest of this entry »