Law of Insurance Contract Disputes Personal Statement

Law of Insurance Contract Disputes - Personal Statement Example For consideration also is the choice-of-law analysis as Travelers Insurance is located in New Jersey while Aetna Casualty and Surety are in Virginia.  Ã‚   The court is correct in siding with Aetna in this case. A failure to exercise the right to respond to an offer for settlement (either by acceptance or rejection) is construed as a waiver on the part of the claimant. Two years is a long enough period of time to make a reasonable response and failure to do so constitute unreasonable delay (Stempel, 1998). The statute is presumed to have started or accrued from the time of the accident (October 1981) and not on the date of the initial offer by Aetna Casualty (November 08, 1982). The claimant, in this case, did not file any case within the two-year limitation of the statute. Civil claims should be filed within two years from the date of the accident in order to avoid the possibility of a dismissal (Schneider April 26, 2004). The offer to settle was initiated instead by the adverse party of the claimant. Further, the record shows claimant's counsel did not contradict the evidence showing customary industry practice is to respond to a settlement offer within a few weeks, not in months or years. Additionally, the claimant did not indicate immediate acceptance but only signified it a year and three months after the initial offer was made – on February 4, 1984, from the offer date of November 08, 1982 (Matthews, 2009).     

Physical Therapy Wounds Case Study Essay Example | Topics and Well Written Essays - 500 words

Physical Therapy Wounds Case Study - Essay Example Using the wound-tracing technique to measure the surface area of the wound, the wound measured four by one centimeter (length by width). Its regular shape allows wound-tracing using simple equipment and minimum special skills. Use pen and transparent paper in wound tracing; they should be clean and sterile. For the depth of the wound, a cotton tip applicator is appropriate. A ruler takes the dimensions from the paper and applicator for recording. Wound tracing reliability depends on the accuracy of the performer. Care should be taken to avoid a measurement method that could otherwise aggravate the wound. The fresh wound’s peri wound had macerated. Having  removed  the cutting object, the wound looked dirty, and some particles were visible with trails showing that some were inside. The tissue also had swelled, and minimal fluid still exuded from the wound. Remove the devascularised tissue and the foreign materials using autolytic debridement. Debride only the non-viable tissue. During this process, one should be cautious not to infect the wound and cause inflammation. Sussman says debridement is important since the non-viable tissue would inhibit healing of the wound by; encouraging bacterial growth, slowing granulation while at the same time hindering wound contraction (2). Autolytic debridement is appropriate because it facilitates the natural ability of the body to break down non-viable tissue. The procedure is also gentle, painless, and simple to perform at home. To facilitate wound healing and protect the wound from infections, use povidone-iodine lavage solution. As compared to normal saline water, povidone-iodine is ideal in cleaning contaminated wounds as saline water allows increase of bacteria on the wound. Having cleaned the wound satisfactorily, perform a simple island dressing after primarily closing the wound. Simple Island dressing has cellulose pad material at the middle that