Q
What should I do if I am in a wreck?

A
Report all accidents to the police immediately. Notify your own insurance company so they will have a record. Do not delay obtaining proper medical care. Fill out your SR-10 form. Keep all notes and documents relating to the accident. Try to obtain all witnesses names and addresses.

Q
What does Disability Insurance usually cover?

A
Disability Insurance is a form of insurance that provides a periodic payment to you if you are disabled as defined in the policy. Most policies require the disability to last at least a certain period, usually called an elimination period, before benefits can begin.

Q
What is Product Liability Law?

A
Product Liability is the law that applies when injury or damage occurs because of a defect in a product. In Louisiana, the statutes that primarily describe product liability claims are known as the Louisiana Product Liability Act.

Q
What is the FELA?

A
FELA stands for the Federal Employers' Liability Act. This is a Federal Act passed by Congress in 1908. The FELA gives railroad employees the right to recover money damages from their employer if the employer was negligent.

Q
What law regulates whether I am to receive a salary or be paid by the hour?

A
The Federal law that regulates salary or hourly pay is called the Fair Labor Standards Act, 29 USC Section 201, et seq. This law preempts all state laws on this issue.

Q
What is the "Jones Act?"

A
The Jones Act is a law passed by Congress in 1920 that allows injured crewman aboard vessels to sue their employer for negligence or for dangerous conditions arising aboard the vessel. The law is designed to impose liability on a company to help make the workplace safe.

Q
Who passes consumer laws?

A
The United States Congress has passed numerous laws which apply to every state of the United States. Various state legislatures have also passed laws applicable within those states; some states are much more consumer friendly than others. Often, consumers will be protected in a particular area by both federal and state laws.

Q
What is EIFS?

A
EIFS is an acronym for Exterior Insulation Finishing Systems.

Q
What is "Ephedrine" and "Ephedra?"

A
Ephedra is a perennial that is native to central Asia and is also sold under the name Ma Huang. Ephedra is a stimulant containing the herbal form of ephedrine, an FDA-regulated drug found in over-the-counter asthma medications. In the United States, ephedra and ephedrine are sold in health food stores and is widely used for weight loss, as an energy booster and to enhance athletic performance. The main ingredient in most "herbal fen-phen" products is ephedra.