Financial Help for Auto Accident Victims

Sometimes people are in the wrong place at the wrong time. The consequences of the auto accident can be devastating leaving you struggling to pay bills and replace lost wages while recovering. Adding insult to injury, the greedy insurance company, who is only concerned with their own financial well-being will deny, delay, and defend dragging out the litigation process hoping you will settle for a less than case value. You may lack the credit history to qualify for a traditional bank loan. Even if you did, monthly payments would only add to the already stretched monthly budget. How do you and your family survive?

Lawsuit funding is a great option for plaintiffs who need cash fast for the financial necessities of life – mortgage, rent, car payments, and medical expenses. It allows a case to proceed through the legal process without pressure to settle early and attempts to ensure improved case results. A lawsuit cash advance can be provided for many types of litigation including auto accidents, premises liability/slip & fall, malpractice, personal injury, product liability, wrongful death, auto accident, and employment suits, among others.

Pre-settlement funding is a non-recourse (repayment is contingent upon litigation outcome) cash advance; the plaintiff gets the money he/she desperately needs without immediate obligation to repay. If the case is resolved successfully, repayment of principal and profit owed is made. There are no credit checks or employment history required. The funding is approved based solely on the strength of the case, and is not repaid until the case settles favorably. Litigation funding poses no risk; if you lose your case, you owe nothing.

The application and approval process is quick and easy; usually completed within 24 – 48 hours. If your case has not been settled, consider litigation funding. It is not for everyone but it is there when you need it most.

Lawsuit Financial is one of the most experienced lawsuit finance companies in the marketplace. Mark Bello, founder and CEO, is a 33-year trial lawyer veteran, who regularly consults with plaintiffs and attorneys to discuss whether litigation funding is the right fit for them.

Dangerous Product Burning Consumers For Years. Will the FDA’s New Sunscreen Rules Give Us Enough Protection?

The FDA has traditionally only required sunscreens to protect against sunburn. Until now, products could claim broad-spectrum protection without any basis for it. Maybe you wouldn’t leave the beach looking like a tomato, but your sunscreen may not have been shielding you from subtle damages caused by Ultraviolet A (UVA) rays.

For the first time in 33 years, new rules will require sunscreens to protect against ultraviolet B rays—which cause sunscreen, and not ultraviolet A rays—which cause skin cancer and wrinkles—to carry a warning label. The new regulations, effective next year, will force companies to improve the accuracy of their sunscreen protection claims.

Here are highlights of the new rules:

The claim “broad spectrum” will appear only on sunscreens tested for a minimum standard of UVA protection.

All sunscreens will carry their SPF rating. Those without the broad-spectrum claim, SPF will rate only UVB protection. Higher SPF numbers mean more protection against UVB as well as more protection against UVA. Warning labels will read: "Skin Cancer/Skin Aging Alert: Spending time in the sun increases your risk of skin cancer and early skin aging. This product has been shown only to help prevent sunburn, not skin cancer or early skin aging."

Sunscreens will have a “fact box” listing warnings and other important information in an easy-to-find location.

Manufacturers cannot make claims that sunscreens are "waterproof" or "sweatproof," or identify their products as a "sun block." Water resistance claims on the product's front label must tell how much time a user can expect to get the declared SPF level of protection while swimming or sweating, based on standard testing. Sunscreens that claim to be water resistant must show how long they last after a person has been swimming or sweating: 40 minutes or 80 minutes.  It must be noted in the “fact box” if they are not water resistant.

SPF values higher than 50 will be labeled as "SPF 50+." FDA does not have adequate data demonstrating that products with SPF values higher than 50 provide additional protection compared to products with SPF values of 50.

The new requirements will be effective by summer 2012, although some sunscreen makers will launch their new labels sooner. What does this mean for your summer in the sun this year? Experts say that although the inconsistency is the UVA protection, the SPF tests should be accurate. Since some protection is better than none, they do not suggest throwing out your sunscreen or staying indoors all summer long. Here are three simple ways to protect your skin from damaging sun exposure:

• Use sunscreen regularly and re-apply every two hours.
• Avoid the midday sun, when rays are the strongest.
• Wear a hat to shade your face and neck.

You may also check out “Screen Test,” to learn what to look for in your sunscreen and how to apply it for best results.

This article was brought to you by Lawsuit Financial, a pro-justice lawsuit funding company headquartered in Southfield, Michigan. We help relieve the financial pressure during the litigation process by providing a cash advance against your lawsuit. Can’t pay your bills? Get the money you need now to avoid settling your case too soon, for too little.