If government mandated health insurance is unconstitutional, why is it the law in Massachusetts?
…and why did court cases challenging the Massachusetts health insurance mandate get thrown out of court?
http://www.mass.gov/?pageID=cagoterminal&L=2&L0=Home&L1=Health+Care&sid=Cago&b=terminalcontent&f=healthcare_mandatory_health_insurance&csid=Cago
http://en.wikipedia.org/wiki/Massachusetts_health_care_reform
Some of you may not realize that the 14th Amendment assures that if it is unconstitutional for the federal government to do it, it would also be unconstitutional for the state to do it.
The 10th Amendment has no application, even under the interpretation that conservatives try to impose on the 10th Amendment.
Because thats state law, totally different than federal law
EDIT:
Actually you are wrong- The federal govt cannot pass a bill that favors 1 state or group of people. The state govt can do that, hence the bans on smoking indoors- bars restaruants in nyc, and bans on gay marriage. Its not unconstitutional for the state to impose those laws but it is for the federal govt to do so. Federal and state govt are 2 totally separate entities with separate sets of rules and ruling bodies
Filed under Health Insurance by on Jul 2nd, 2010. Comment. 
These days the market for golf carts for personal and commercial use is rapidly expanding. You can find these vehicles in a wide range of different environments, being used for all sorts of activities: hunting camps, airports, farms, resorts, casinos, large factories and industrial plants, on the beach, storage facilities, apartments and condos, and of course, on the golf course. Some places are tougher on a golf cart than others.
A new gas golf cart can cost as much as a motorcycle or compact car, and even a used golf cart will cost a few thousand dollars. So with that kind of money tied up in a vehicle, it is important to keep it running well, which will prevent breakdowns and the accompanying repair bills. The good news is that it is very simple, easy, and inexpensive to perform preventative maintenance on you gas-powered golf cart.
Here are the 5 most common procedures which prevent 90% of gas golf cart breakdowns:
Clean the battery posts and connections. Just disconnect the wires and wipe them down with a clean rag or give them a scrubbing with a brush or scouring pad of some kind. Lubricate and re-connect the wires and tighten down the clamps for a good connection.
Maintain the engine oil level at the “full” mark and change the oil often. Most specifications books for gas carts will tell you to change the oil every 200 to 250 hours, but I suggest you change the oil at least twice a year or every 100 hours, because 250 hours is a long time to run an engine that heats up to 400 degrees. Do not just use the owner’s manual as your guide, you should always keep good, fresh oil in the engine.
Keep a clean air filter. Most golf carts do not have a pre-filter you can wash off with water. You wll need to take out the air filter (which is very easy to do) and knock off the dirt and dust. Or even better – blow out the filter with compressed air or a cool-air hair dryer. Change the filter when it gets too dirty.
Lubricate the forward/reverse mechanism. If this switch gets too dirty and un-lubricated, it will get stuck and not work correctly or at all. It is easy to visually determine if there is a potential problem building up on this part. If so, clean it off thoroughly, and lube it up with some WD-40 or something similar.
Make sure the tires stay fully inflated. Because of a gas golf cart’s gearing and power output, low tires will put serious strain on the cart and can cause the engine to run even hotter (Remember the part about changing the oil?). So the 50-cent compressed air machine at the gas station for tire air could save you a $1,000 engine repair bill.
Taking these five painless steps on a regular basis will help you avoid the vast majority of costly major repairs and keep your vehicle running at its peak for years to come.
Shayne Hall is an entrepreneur and blogger who is also works at Cajun Carts http://www.cajuncarts.com in Lafayette, LA. You can find out what Shayne is up to at http://www.shaynehall.com or contact him at shayne@hall-partners.com.
Filed under auto insurance price quote by on Jun 29th, 2010. Comment.
Car Insurance vs.Health Insurance?
I was in a car accident a few months ago. I was at fault 100%, so my insurance company paid for the property damage but the amount for bodily damage is set too high by their attorney.Does n’t health insurance contribute to an extent for the injuries and medical bills etc. or is it the 100% responsibility of the car insurance company to pay for the whole amount that is medical bills etc. incurred by the individuals and their health insurance combined?
This question is actually more complicated than you realize. Your best bet is to call the adjuster handling your claim. They will be able to tell you how this works in your state.
Here’s some very general information-
If you cause property damage/injuries to someone else – your liability coverage pays for that.
But what happens if your limits are not sufficient to pay for all of it?
This depends.
Do you have assets? If yes, then expect to get sued. They injured parties lawyer is going to come after you. And assets don’t mean just a bank account, retirement fund etc. It can mean land. So, if you live on the farm land that has been in your family for 100 years…..yep- they will come after that.
If you do not have assets – You are much less likely to get sued. It can still happen -but it’s less likely. A lawyer will want to make sure you have something he can take before he comes after you.
If the injured party has health insurance — that’s not going to help you at all. The injured party having health insurance does not reduce your legal liability to him at all. Many states have a Collateral Source Rule that prevents you from getting any type of credit for any medical bills paid by his health insurance.
If you do not have sufficient limits and no assets — then most likely the injured party would file under his Under-Insured Motorist Coverage. (if he has this coverage on his policy). Usually in this situation – the injured party just settles for your policy limit and his UIM (if he has it).
In some states, the UIM carrier can come back after you for repayment (for what they had to pay the injured party). If they do this – they will set up an interest free payment plan with you. As long as you make all your payments on time, there is no further action taken. If you stop paying – then they can (and will sue you), suspend your drivers license and/or turn you over to a collections agency.
If a law suit gets filed against you – your insurance company will hire an attorney to defend you (in accordance with your policy language). The suit papers will be served on you (usually by process server or certified mail). Immediately take those papers to your adjuster or agent. Your insurance company will get those papers to an attorney.
However, if you get served with suit papers — your attorney has 30 days to get an answer on file. The clock starts running when you get served. So the faster you get the paper to your insurance company the better.
If you think you are going to get served — don’t hide from it. If they can’t get you served by process server or certified mail – they may do it by publication. And who actually reads the legal notices? So, you end up getting served with out even knowing it. — Does not matter though. If you don’t answer with in 30 days it’s a default judgement against you (that’s an automatic you lose).
Again- call your adjuster. He/She will be able to give you more detail regarding your case. Adjusters know that this is all new to you……there is no such thing as a stupid question. So call and ask any that you have. That’s what the adjuster is there for.
**not legal advice– only an attorney can give legal advice.
Filed under Health Insurance by on Jun 28th, 2010. Comment.