Types of Torts under Australian Law
|
|
- Naomi Garrett
- 8 years ago
- Views:
Transcription
1 Week 10: Chapter 12 Trt Law Trt law is cncerned with wrngful cnduct by ne persn that causes harm t anther Aim: t prevent peple frm ding wrng- Trt law encurages/discurages specific behaviur Plice desn't shw up thugh If u believe smene did wrng by yu, yu bring them t curt fr cmpensatins It is different frm Crim Law: Crim Law: It is public Law- enfrced by state in interest f public Trt Law: Private Law- arise between persns invled Cuncil des nt pave path well and u hurt yurself Trt law prvides a private right f actin fr cmpensatin; r fr an rder t stp cntinuing r threatened harm. Bth natural persns and crpratins are liable fr wrngful cnduct causing harm (s a grup/crpratin can als be made liable) There are a lt f frms f trt laws WE ONLY FOCUS ON THE TORT OF NEGLIGENCE Trt Descriptin Trespass t land/ chattels Prtectin f prperty frm interference Trts based n very specific kinds f psitive cnduct Liability fr a wide range f cnduct Assault and Battery Private Nuisance Deceit Defamatin Negligence Prtectin f persn frm vilence r threats f vilence Prtectin f the right t quiet, peace n nes prperty Prtectin against being deliberately misled Prtectin f persnal reputatin eg. When smene makes an UNTRUE PUBLISHED statement abut smene that ruins their rep Prtectin against many kinds f careless cnduct causing harm Types f Trts under Australian Law Trt f Negligence: Means a failure t take reasnable care t prevent lss r damage t thers that was freseeable, and shuld have been prevented This is a very brad cncept that applies t a great number f situatins Different types f cnduct and harm must be distinguished Depending n what type f cnduct and harm- there are different rules which apply t establish liability fr negligence
2 Categries f Cnduct: Psitive Act (Practive behaviur) Eg. Riding a bike while yu are eating- and yu run smene ver with yur bike A Failure t act (missin) Eg. Yur shp has a spill, yu see it but yu dn t d anything- smene slips Hawkins v Claytn (1988) 164 CLR 539 Making a statement/ giving advise/ failing give advice If yu give unreliable advice, peple can sue fr yur cnduct Rgers v Whitaker (1992) 175 CLR 479 Categries f Harm: Physical Injury Can claim fr medical expenses, lss f wages Mental health injury usually nt cmpensated because they cant put value n that harm- eg. Feeling sad Hle v Hcking [1962] SASR 128 Physical Damage t prperty Pure ecmnic Lss: Perre v Apand Pty Ltd (1999) 198 CLR 180 Hawkins v Claytn (1988) 164 CLR 539 Ø Brasier asked Claytn (a slicitr) t make a will- t make Hawkings the principle beneficiary f her huse Ø Braiser left will with Claytn Ø Braiser died but Claytn didn t didn t cntract Hawkins until 6 years later Ø By that time, the huse was wrth much less that it had been Ø Hawkin sued Claytn fr negligence Ø Claytn was liable because slicitr wed a duty t find Hawkins withut delay Ø Rgers v Whitaker (1992) 175 CLR 479 Ø Whitaker had an injury that left her blind in ne eye Ø She went t Rgers (eye surgen) wh did nt tell her f any risks invlved with peratin Ø Operatin perfrmed by it gave her a rare cnditin that led t blindness Ø Decided that the surgen did we the patient a duty f care Ø Reasn because the surgen is specialised in an area and s is expected t give reasnable care t an rdinary skilled persn Perre v Apand Pty Ltd (1999) 198 CLR 180 Ø Perre was a ptat farmer Ø WA prevented imprtatin f ptates grwn within 20km f an utbreak f ptates Ø Sparnn- farm clse t Perres fam planted seed ptates tht were infected with the disease Ø Sparnn bught the seed ptates frm Apand wh knew his seeds had the disease Ø Perre suffered pure ecnmical lss because he culd nt exprt his ptates Ø Decisin: Apand had a duty f care t perre Ø Reasn:
3 Perre belnged t a class f identifiable peple wh might suffer harm (farms clse t infected farm) Perre was dependent n Apand acting respnsibly (he culd nt prtect himself which made him vulnerable) Apand was aware f the risk f disease and Perre s vulnerability He culd have easily frseen the ptential harm Liability fr negligence: Need t establish: ü Defendant wed plaintiff duty f care & ü Defendant breached the duty f care & ü Causatin: Because f defendant s breach- plaintiff suffered lss/injury that wasn t t remte Ie. Need t shw causatin- that it was due t a direct result f the defendant s negligence In detail belw. [1] Establishing there was a duty f care 3 Factrs: 1. Must have been reasnably freseeable t a persn in the psitin f the defendant that injury r harm f sme kind wuld happen t smene As a result f cnduct engaged 2. Plaintiff must be a persn/ a member f a class f persns wh it was freseeable might suffer harm as a result f the defendant s cnduct Waverly Cuncil v Ferreira [2005] NSWCA Recgnised 'duty situatin r relatinship' must have existed Where defendant was required t prevent the freseeable harm t the plaintiff List f duty situatins recgnised by the curts Other relatinships can still be used but will need t be prved t judge ü Occupiers f prperty & persns entering the prperty ü Statutry authrities & the public Waverly Cuncil v Ferreira [2005] NSWCA 418 (One f the child wh climbs n cuncil building because f clse fence and kills himself. Father sues because he sees this and gets depressin) ü Rad users & ther persns n the rad ü Persns in a fiduciary relatinship, e.g. principals and agents ü Persns in a cntractual relatinship ü Manufacturers and cnsumers Dnghue v Stevensn [1932] AC 562. Fr Other types f relatinships: Curts weight up the different factrs: Cnsideratins f plicy and fairness The extent t which the harm was freseeable The ptential number f similar cases that might arise The likelihd f creating an unreasnable cmmercial burden by recgnising a duty f care. Situatins causing purely ecnmic lss A situatin must be shwn t exist where:
4 Plaintiff was vulnerable, dependent r pwerless AND Defendant was in a psitin f cntrl/pwer S plaintiff culd nly depend n the defendant t d the right thing Perre v Apand [1999] HCA 36; (1999) 198 CLR 180 [ptat ne] Wlcck Street Investments Pty Ltd v CDG Pty Ltd [2004] HCA 16 In cases f Giving wrng infrmatin r adviceà causing pure ecnmic lss A duty f care nly exists if: The speaker shuld have realised that they were being relied n t give accurate infrmatin/advice The ther party might decide t act based n what they say It was reasnable fr the ther party t act n that infrmatin r advice given Shaddck & Assciates Pty Ltd v Parramatta City Cuncil (N 1) (1981) 150 CLR 225. Waverly Cuncil v Ferreira [2005] NSWCA 418 Ø Martin went t play in a park, climbed an adjacent fence t get ty n rf, satn skylight, fell and died Ø Father suffed depressin and chrnic stress and sued Waverly cuncil in Negligence that: Cuncil shuld have freseen that a parent might suffer mental harm if a child died while in the part as a result f the cuncil s failure t make park safe Ø Decisin: Under cmmnlaw and civil liability act, cuncil failed t d what was required t prevent freseeable harm Ø Reasn: Cuncil shuld have fressen that a child might climb nt rf and suffer sme srt f serius harm Wlcck Street Investments Pty Ltd v CDG Pty Ltd [2004] HCA 16 Ø CDG: firm f engineers helped wner build a cmplex Ø Owner decided t nt have sil tests befre the engineers built place Ø Wlcck bught huse and vertime the sil began t settle- fixing it and the building is $$ Ø Wlcck claimed that CDG wed duty f care t avid ecnmic lss Ø Decisin: CDG did nt we a duty f care t Wlcck Ø Reasn: Wlcck was nt vulnerable - they culd have taken steps t avid the risk f harm- eg. Emplying engineer t inspect the building Shaddck & Assciates Pty Ltd v Parramatta City Cuncil (N 1) (1981) 150 CLR 225. Ø Shaddck- prperty develpment cmpany wanted t buy land and redevelp it Ø Cmpany slicitr telephned cuncil t see if there wuld be any rad wrk t affect the land Ø Tld there were nt- gt a certificate frm cuncil and was tld n the phne Ø Cuncil widened the rad and shaddck suffered financial lss- sued fr negligence Ø Decisin: Cuncil was negligent N duty f care arse frm advice given n the phne Advice given in the certificate was frmal and liable fr duty f care Ø Reasn: It is reasnable t state that the party wuld act n the advice that were given
5 Hle V Hcking Ø Plaintiff (passenger) suffered brain injuries in an accident because f defendant (driver) Ø Medical examinatin shwed that the accident cntributing t brain injury caused it t happen at that time Ø Hwever, the brain injury was ging t happen smetime later n withut the accident anyway Ø Decisin: Driver nly needed t pay damages fr harm that he caused due t his negligence Ø Reasn: Driver was nt respnsible fr hemrrhage that ccurred but needed t pay fr perid at which the hemrrhage was accelerated Accident made it ccur earlier [2] Establishing there was a Breach f Duty f Care Need t establish first whether the persn wh wed the duty f care tk reasnable steps t avid harm Asks: What steps wuld a reasnable persn take in the circumstances t avid the harm? They answer by thinking f fllwing: Hw likely was the harm? There is n need t guard against very remte pssibilities. Hw great wuld the harm be? Yu must guard mre carefully against the risk f very great harm. Hw difficult is it t avid the harm? Yu need t nly adpt practical measures Is it justified, in the circumstances, t take the risk f the harm? Fr example, the steps necessary t avid the harm may als pse a risk f harm. D plicy cnsideratins excuse the harm in questin? [3] Causatin The harm t the plaintiff must result directly frm the defendant s cnduct Asks: Wuld the harm have ccurred withut the defendant s cnduct? The plaintiff has the nus f prving, n the balance f prbabilities, any fact relevant t the issue f causatin. If ther events intervene as the prximate cause f the harm- the defendant is nt liable. If a plaintiff smehw cntributed t their wn harm (cntributry negligence) the lsses must be apprtined between the parties. Imbree v McNeilly [2008] HCA 40 (PTO)
6 Imbree v McNeilly [2008] HCA 40 Ø Imbree allwed McNeilly (unlicenced) driver t drive a 4WD Ø McNeilly lst cntrl f car, verturned, and Imbree was injured in the accident Ø Imbree wanted t sue McNeilly fr Negligence because breached duty f care Ø Decisin: McNeilly did we a duty f care t the passengers- even thugh they were nt fully licensed Imbree had cntributed t his wn injury due t wn negligence (cntributry negligence) S respnsibility f harm was shared amngst party Imbree was held respnsible fr 30% f the harm Remedies available in Trt Law: ü Objective: put the injured party in the psitin they wuld have been in but fr the cmmissin f the trt. (befre the act)- (diff frm AGL) ü Damages ü Injunctins
Key Steps for Organizations in Responding to Privacy Breaches
Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins
More informationCorporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.
Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).
More informationData Protection Act Data security breach management
Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing
More informationWhenever practicable, the cap should be discussed and specifically agreed with the other party. This is discussed further below, see Agreeing a cap.
Liability Briefing updated Octber 2008 Managing liability thrugh financial caps 26 Stre Street Lndn WC1E 7BT Tel: 020 7399 7400 Fax: 020 399 7425 Every well-run business must manage the risks that it faces
More informationTalking to parents about child protection
Talking t parents abut child prtectin Adapted fr NI frm Prtecting Children Update, April 2009 Jenni Whitehead discusses the difficulties faced by designated teachers, r child prtectin crdinatrs, in talking
More informationReducing road user distraction
Page 1 Reducing rad user distractin Activities have been adapted frm Limiting Risks, Prtecting Lives (NSW Centre fr Rad Safety). Crssrads utcmes 1.2 Critically analyse situatins, attitudes and behaviurs
More informationAnnuities and Senior Citizens
Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages
More informationEmployees - recruitment, records and monitoring
Emplyees - recruitment, recrds and mnitring This guidance has been prduced t help rganisatins cmply with the Data Prtectin Act (DPA) when recruiting and emplying wrkers. It is relevant t public sectr emplyers,
More informationPART II THE PLACE OF CONTRACT WITHIN PRIVATE LAW
PART II THE PLACE OF CONTRACT WITHIN PRIVATE LAW I THE LAW OF OBLIGATIONS A Dctrinal Intersectin Private law deals with legal duties wed by individuals t ne anther. The law f cntract exists alngside dctrines
More informationThere are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type:
Wiltshire Cuncil Crprate Debt Recvery Plicy: 29102010 WILTSHIRE COUNCIL CORPORATE DEBT RECOVERY POLICY 1. Intrductin The Cuncil raises a significant prprtin f its ttal incmes thrugh lcal taxes and charges,
More informationDALBAR Due Diligence: Trust, but Verify
BEST INTEREST INVESTMENT RECOMMENDATIONS Advisr Rle under Best Interest Regulatins January 27, 2016 In the era when the cntractual bligatin is t act in the client s best interest, investment decisins can
More informationInternet and E-Mail Policy User s Guide
Internet and E-Mail Plicy User s Guide Versin 2.2 supprting partnership in mental health Internet and E-Mail Plicy User s Guide Ver. 2.2-1/5 Intrductin Health and Scial Care requires a great deal f cmmunicatin
More informationInsurance Toolkit for Landcare Groups in NSW P a g e 1
Insurance Tlkit fr Landcare Grups in NSW P a g e 1 FOREWARD This tlkit has been prepared t prvide guidance n insurance issues relating t Landcare grups in New Suth Wales. This kit is nt regarded as legal
More informationB Bard Video Games - Cnflict F interest
St Andrews Christian Cllege BOARD CONFLICT OF INTEREST POLICY April 2011 St Andrews Christian Cllege 2 Bard Cnflict f Interest Plicy Plicy Dcument Infrmatin Plicy Name Bard Cnflict f Interest Plicy Authr/Supervisr
More informationWORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION)
WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) Intrductin: Hw t Use This Tl As d all ther jurisdictins, BC requires emplyers t investigate and reprt specific kinds f wrkplace
More informationProcess for Responding to Privacy Breaches
Prcess fr Respnding t Privacy Breaches 1. Purpse 1.1 This dcument sets ut the steps that ministries must fllw when respnding t a privacy breach. It must be read in cnjunctin with the Infrmatin Incident
More informationAre Insurance Premiums Deductible?
Are Insurance Premiums Deductible? December 2011 Can I deduct the premiums? That s a questin yu prbably hear when yu re presenting an insurance cncept. Unfrtunately, the answer is generally n insurance
More informationPersonal Data Security Breach Management Policy
Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner
More informationRQ10.06 AACo Share Trading Policy
Australian Agricultural Cmpany Limited ACN 010 892 270 RQ10.06 AAC Share Trading Plicy Versin 5 This plicy was apprved by the Bard f Australian Agricultural Cmpany Limited n 15 December 2010. This plicy
More informationYOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM
Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during
More informationINCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF
QUESTION WE VE BEEN ASKED QB 15/09 INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF All legislative references
More informationPOLICIES AND PROCEDURES
POLICIES AND PROCEDURES Department: Campus Safety and Security and Welcme Center/Infrmatin Subject: Rental Vehicle Insurance Date Issued: December 16, 2005 Date Revised: March 23, 2009; Octber 1, 2011
More informationConsumer Complaint Roadmap
Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst
More informationProven to manage your car park issues.
Prven t manage yur car park issues. PO BOX 6003 Bilstn WV14 4AQ Tel: 0871 288 4606 Email: inf@cmbinedparkingslutins.c.uk Web: www.cmbinedparkingslutins.c.uk Intrductin What des CPS d? Cmbined Parking Slutins
More informationThe ADA: Your Employment Rights as an Individual With a Disability
The ADA: Yur Emplyment Rights as an Individual With a Disability The U.S. Equal Emplyment Opprtunity Cmmissin ADDENDUM Since The Americans with Disabilities Act: Yur Respnsibilities as an Emplyer was published,
More informationLegal Issues Bulletin
Legal Issues Bulletin N. 8 reviewed May 2015 Claims fr lss f r damage t persnal prperty and use f private mtr vehicles by staff, parents and students Legal Issues Bulletin 39 - Preparatin and use f accident
More informationPrivacy Policy. The Central Equity Group understands how highly people value the protection of their privacy.
Privacy Plicy The Central Equity Grup understands hw highly peple value the prtectin f their privacy. Fr that reasn, the Central Equity Grup takes particular care in dealing with any persnal and sensitive
More informationPublic consultation paper
Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au
More informationAccident Investigation
Accident Investigatin APPLICABLE STANDARD: 1960.29 EMPLOYEES AFFECTED: All emplyees WHAT IS IT? Accident investigatin is the prcess f determining the rt causes f accidents, n-the-jb injuries, prperty damage,
More informationFREQUENTLY ASKED QUESTIONS (FAQs)
EMPLOYMENT PRACTICES LIABILITY fr small businesses FREQUENTLY ASKED QUESTIONS (FAQs) What is Emplyment Practices Liability Insurance? Emplyment Practices Liability (EPL) insurance prtects an emplyer frm
More informationCalling 9-1-1 from a Cell Phone
Calling 9-1-1 frm a Cell Phne When calling 9-1-1 frm a cell phne, yur lcatin may nt autmatically display t the 9-1-1 center as it des when calling frm mst hmes r businesses. Be Prepared t tell the 9-1-1
More informationDRUG, ALCOHOL AND SUBSTANCE MISUSE POLICY FOR THE WORKPLACE
DRUG, ALCOHOL AND SUBSTANCE MISUSE POLICY FOR THE WORKPLACE Intrductin Write yur business name here recgnises that drug, alchl and substance misuse are grwing scial and medical prblems, which can lead
More informationFirst Global Data Corp.
First Glbal Data Crp. Privacy Plicy As f February 23, 2015 Ding business with First Glbal Data Crp. ("First Glbal", First Glbal Mney, "we" r "us", which includes First Glbal Data Crp. s subsidiary, First
More informationOnline Banking Agreement
Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet
More informationERISA Compliance FAQs: Fiduciary Responsibilities
Brught t yu by Mrris & Reynlds Insurance ERISA Cmpliance FAQs: Fiduciary Respnsibilities The Emplyee Retirement Incme Security Act f 1974 (ERISA) is a federal law that sets minimum standards fr emplyee
More informationMONTHLY PREMIUM OPTIONS
GROUP FUNERAL SCHEME BROKERS FSP35033 TEL: (021) 919 1861 VOX: 087 808 3007 FAX: (021) 9195072 / 086 628 0359 Email: inf@insurancepartners.c.za Web: www.insurancepartners.c.za Up t R20000 fr all persns
More informationProfessional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners
Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard
More informationHOPE AND INFORMATION PROJECT INTERVIEWER GUIDE: NURSE RESPONDENTS
HOPE AND INFORMATION PROJECT INTERVIEWER GUIDE: NURSE RESPONDENTS INTRODUCTION: We wuld like t learn abut hw nurses and dctrs wrk with patients in their need fr hpe, n the ne hand, and infrmatin abut their
More informationWHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?
WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul
More informationHampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices
This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse
More information7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear
7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third
More informationensure that all users understand how mobile phones supplied by the council should and should not be used.
Mbile Phne Plicy & Guidance Intrductin This plicy is designed t safeguard bth the cuncil and users f mbile phnes supplied by Angus Cuncil. It aims t ensure that these are used effectively, fr their intended
More informationOUR DISCIPLINARY POLICY
OUR DISCIPLINARY POLICY WHO is this plicy fr? Channel 4 emplyees wh ve passed their prbatinary perid Channel 4 managers This plicy des nt frm part f any emplyee s cntract f emplyment and we may amend it
More informationDraft for consultation
Draft fr cnsultatin Draft Cde f Practice n discipline and grievance May 2008 Further infrmatin is available frm www.acas.rg.uk CONSULTATION ON REVISED ACAS CODE OF PRACTICE ON DISCIPLINE AND GRIEVANCE
More informationTerms and Conditions of Use of Bewley s Hotel Dublin Airport Car Park
Terms and Cnditins f Use f Bewley s Htel Dublin Airprt Car Park Yu shuld read these Cnditins f Parking carefully as they cntain imprtant infrmatin regarding yur legally binding cntract with us. 1. The
More informationWhat Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:
126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its
More informationMAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900
MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedfrd MK40 3HZ Telephne: 01234 242900 Please read this dcument carefully as it sets ut the terms n which we agree t act fr ur clients and
More informationIdentity fraud and theft
Page 1 f 5 Identity theft is when yur persnal details are stlen and identity fraud is when thse details are used t cmmit fraud. Mre abut identity fraud and identity theft Identity fraud can happen when:
More informationKey Solar Lease Considerations for Landowners Tiffany Dowell Lashmet, Texas A&M Agrilife Extension. To which estate does the sun belong?
Key Slar Lease Cnsideratins fr Landwners Tiffany Dwell Lashmet, Texas A&M Agrilife Extensin In the last few mnths, I have heard frm several Texas landwners wh have been cntacted by slar cmpanies seeking
More informationWhat Does Specialty Own Occupation Really Mean?
What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin
More informationVideo Course Evaluation Form. Atty ID number for Pennsylvania: Name of Course You Just Watched
Garden State CLE 21 Winthrp Rad Lawrenceville, New Jersey 08648 (609) 895-0046 fax- 609-895-1899 Atty2starz@al.cm Vide Curse Evaluatin Frm Attrney Name Atty ID number fr Pennsylvania: Name f Curse Yu Just
More informationPatient Participation Report
Patient Participatin Reprt In 2011, Westngrve Partnership decided t establish a PPG (Patient Participatin Grup) that wuld allw us t engage with ur patients, receive feedback frm them and ensure that they
More informationLaw of Tort Answer plan: Negligence - causation & remoteness of damage
THE LAW STUDENT S COMPANION Law f Trt Answer plan: Negligence - causatin & remteness f damage This answer plan is made freely available fr nn-cmmercial use nly. Cpyright remains at all times with G.Vul
More informationFINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.
FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept
More informationTrustee Corporations Association of Australia
Submissi~rn N. Date Received LA-cA Trustee Crpratins Assciatin f Australia Submissin t Huse f Representatives Legal and Cnstitutinal Affairs Cmmittee Inquiry int Older Peple and the Law Nvember 2006 Older
More informationInternal Audit Charter and operating standards
Internal Audit Charter and perating standards 2 1 verview This dcument sets ut the basis fr internal audit: (i) the Internal Audit charter, which establishes the framewrk fr Internal Audit; and (ii) hw
More informationRetirement Age Of 65 To Stay... For Now
Retirement Age Of 65 T Stay... Fr Nw The High Curt has recently ruled n the validity f a cmpulsry retirement age f 65 under UK age discriminatin legislatin The Emplyment Equality (Age) Regulatins 2006
More informationTabcorp Wagering Manager (Vic) Pty Ltd & TAB Limited Applications for Authorisation A91419 A91424
Restrictin f Publicatin f Part Claimed 16 July 2014 Dr Richard Chadwick General Manager, Adjudicatin Branch Australian Cmpetitin & Cnsumer Cmmissin 23 Marcus Clarke Street CANBERRA ACT 2601 By email: richard.chadwick@accc.gv.au
More informationErrors & Omissions Insurance for Title, Escrow Agents and Abstractors. Endorsed by the American Land Title Association
Errrs & Omissins Insurance fr Title, Escrw Agents and Abstractrs Endrsed by the American Land Title Assciatin The Insurance Cmpany: Title Industry Assurance Cmpany, a Risk Retentin Grup TIAC issued its
More informationTHE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...
THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1
More informationJOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY
THE CHALLENGES FACING THE MEDICAL PROFESSION ARISING OUT OF THE HIGH COST OF PROFESSIONAL MEDICAL INDEMNITY INSURANCE AND HOW THESE CHALLENGES ARE BEING MET JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY
More informationAdvantage EAP Employee Assistance Program
Advantage EAP Emplyee Assistance Prgram July 2015 Finding Balance Creating Balance? 1,2 Finding balance in life ften feels ut f reach. It feels like everywhere we turn we are being asked t d mre and mre.
More informationTHE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM
THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant
More informationPhi Kappa Sigma International Fraternity Insurance Billing Methodology
Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t
More informationTypical Interview Questions and Answers
Typical Interview Questins and Answers Why d yu want t wrk fr this cmpany? Why are yu interested in this jb? The interviewer is trying t determine what yu knw and like abut the cmpany, whether yu will
More informationHow Checking Accounts Work
Hw Checking Accunts Wrk LESSON PREPARATION AND TEACHER INFORMATION Lessn Summary: This lessn is intended fr high schl students during a frty minute time perid. The lessn teaches students the purpse f a
More informationONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback
ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT A. Principles and Benefits f Onging Feedback While it may seem like an added respnsibility t managers already "full plate," managers that prvide nging feedback
More informationFalse Claims Act. False Claims Act Provides:
False Claims Act Michael A. Hirst, Esq. Hirst & Chanler LLP 455 Capitl Mall, Suite 605 Sacrament, CA 95814 (916) 443-6100 michael.hirst@hirst-chanler.cm False Claims Act Prvides: A persn wh knwingly submits
More informationHIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc.
HIPAA Ntice f Privacy Practices Central Ohi Surgical Assciates, Inc. THIS NOTICE OF PRIVACY PRACTICES (THE NOTICE ) DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN
More informationHOW TO SELECT A LIFE INSURANCE COMPANY
HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite
More informationVideo Course Evaluation Form. Atty ID number for Pennsylvania: Name of Course You Just Watched
Garden State CLE 21 Winthrp Rad Lawrenceville, New Jersey 08648 (609) 895-0046 fax- 609-895-1899 Atty2starz@al.cm Vide Curse Evaluatin Frm Attrney Name Atty ID number fr Pennsylvania: Name f Curse Yu Just
More informationFACT SHEET BORROWING THROUGH SUPER. Prepared by Brett Griffiths, Director Superannuation Consulting e bgriffiths@vincents.com.au
FACT SHEET BORROWING THROUGH SUPER Prepared by Brett Griffiths, Directr Superannuatin Cnsulting e bgriffiths@vincents.cm.au FACT SHEET Since September 2007 Self Managed Superannuatin Funds (SMSF s) can
More informationSmall Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman
Small Business Fraud Custm Study amng Small Business Owners Cnducted fr SunTrust Banks/Natinal Small Business Assciatin/Edelman Octber 17, 2007 Objective & Methdlgy Objective In cllabratin with SunTrust
More informationTravel Insurance. Is your insurance company listening to you? Handbook on
Is yur insurance cmpany listening t yu? If yur cmplaints have nt been addressed by yur insurance cmpany, please cntact t register yur cmplaints and track their status r yu may email us at cmplaints@irda.gv.in
More informationCORPORATIONS LAW SUMMARY
CORPORATIONS LAW SUMMARY LAWSKOOL PTY LTD Cntents INTRODUCTION 5 Frms f Legal Assciatin 5 Administrative and Legislative Structure f Australian 5 Crpratins Law SEPARATE LEGAL ENTITY 7 Classifying Cmpanies
More informationColumbine Federal Credit Union ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE
Clumbine Federal Credit Unin ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE 1. Online Banking/Bill Payment 2. Online Banking/ Bill Payment Limitatins 3. Online Bill Payment
More informationE.ON UK plc v Gilesports Limited : Section 1(3) of the Landlord and Tenant Act 1988 BRIEFING. Introduction
E.ON UK plc v Gilesprts Limited : Sectin 1(3) f the Landlrd and Tenant Act 1988 BRIEFING Intrductin A tenant applicatin fr cnsent t assign a lease can smetimes prve a fractius affair and can strain relatins
More informationWhat payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?
Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include
More informationInternet and Social Media Solicitations: Wise Giving Tips
Internet and Scial Media Slicitatins: Wise Giving Tips Charities use a wide variety f methds t slicit charitable dnatins. New and pwerful technlgies utilize nt just the internet and email, but als scial
More informationInsurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity
Prfessinal UabilitM Cmmercial & Other Insurance AnAbslute Necessity I n August 2005, Illinis enacted medical malpractice refrm that limits the amunt a jury can award fr persnal pain and suffering t $500,000
More informationDodd-Frank Report on Seller Financing
Ddd-Frank Reprt n Seller Financing December 10, 2013 Published by Glbal Publishing Inc. 9799 Old St. Augustine Rd. Jacksnville, FL 32257 p. 904-262-0491 f. 904-262-1464 VIPServices@GlbalPublishinginc.cm
More informationGuide to TEMPORAY AGENCY WORKERS RIGHTS
Davies and Partners Slicitrs Guide t TEMPORAY AGENCY WORKERS RIGHTS Latham Huse 135 Aztec West Rwan Huse 57 Queen Anne Street 33-34 Paradise Street Almndsbury Barnett Way Lndn Birmingham Bristl Barnwd
More informationMalpractice and Maladministration Policy
TR340 Malpractice and Maladministratin Plicy This plicy aims t: Define malpractice and maladministratin in the cntext f CIM/CAM studying members, Accredited study centres (ASCs), examinatin centres, invigilatrs
More informationnbn is committed to identifying hazards, preventing workplace accidents and minimising dangerous health safety and environment incidents.
Incident & Hazard Reprting Overview At nbn we are safe, disciplined and reliable. nbn is cmmitted t preventing injury, illness and envirnmental harm by prviding a safe and healthy wrking envirnment fr
More informationChange Management Process
Change Management Prcess B1.10 Change Management Prcess 1. Intrductin This plicy utlines [Yur Cmpany] s apprach t managing change within the rganisatin. All changes in strategy, activities and prcesses
More information1. What insurance coverage is provided for Sigma Chi chapters that are members of the Risk Management Foundation?
Frequently Asked Questins 1. What insurance cverage is prvided fr Sigma Chi chapters that are members f the Risk Management Fundatin? Membership in the Risk Management Fundatin includes the fllwing mandatry
More informationOperating as an S corporation may be wise for several reasons:
S Crpratin Facts S crpratins are similar t LLCs in that they prvide wners with limited liability prtectin while ffering the tax structure f a partnership. Many entrepreneurs have tw gals when chsing a
More informationA Guide to Understanding and Claiming the Disability Tax Credit:
A Guide t Understanding and Claiming the Disability Tax Credit: The Gvernment f Canada ffers a variety f tax benefits t peple with disabilities. These benefits are prvided under the assumptin that peple
More informationFACING YOUR FEARS: EXPOSURE
FACING YOUR FEARS: EXPOSURE An imprtant step in managing anxiety invlves facing feared situatins, places r bjects. It is nrmal t want t avid the things yu fear. Hwever, avidance prevents yu frm learning
More informationQuestions and Answers from Webinar: Medication Assisted Treatment: Special Anti-Discrimination Issues
Questins and Answers frm Webinar: Medicatin Assisted Treatment: Special Anti-Discriminatin Issues NOTE: We answered a substantial number f the questins received; hwever, we did nt answer questins that
More informationThe Importance of Market Research
The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which
More informationPERSONAL SAFETY AND LONE WORKING GUIDELINES FOR COUNCILLORS
PERSONAL SAFETY AND LONE WORKING GUIDELINES FOR COUNCILLORS Secnd versin 25 July 2011 1. Intrductin 2. Hme visits 2.1 Persnal safety advice 2.2 What t d if a serius situatin ccurs 2.3 Callers t cuncillrs
More informationOverview of Civil Litigation
Overview f Civil Litigatin What is civil litigatin? Civil litigatin is the area f legal practice cncerned with reslving disputes between individuals r businesses. Sme f the areas f wrk that this might
More informationCMS Eligibility Requirements Checklist for MSSP ACO Participation
ATTACHMENT 1 CMS Eligibility Requirements Checklist fr MSSP ACO Participatin 1. General Eligibility Requirements ACO participants wrk tgether t manage and crdinate care fr Medicare fee-fr-service beneficiaries.
More informationTo discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.
Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13
More informationHere are some simple guidelines to follow for making wise investments:
FAQ - Investment 1. What affects the value f mney? Mney has a tendency t lse its value ver time because the price f gds and services has an upward tendency. This is called inflatin. Here are sme factrs
More informationHow much life insurance do I need? Wrong question!
Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be
More informationEstablishing a Paralegal Law Firm Points for Consideration
Establishing a Paralegal Law Firm Pints fr Cnsideratin 1. Backgrund Paralegal law firms are a relatively new phenmenn: but a ppular ne. At the end f the 1990s there were very few indeed. Hwever as realisatin
More informationMunicipal Advisor Registration
FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr
More information