Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

Former insurance company lawyer and former claims adjuster Carl Nagle reveals insurance industry secrets and step-by-step guidelines to help motor vehicle accident victims: safely navigate the insurance claim process understand what is covered by insurance identify all parties who owe for accident losses locate all insurance policies and safely report claims collect full payment for car repairs or total loss receive medical care now with no out-of-pocket loss collect benefits from multiple insurance policies settle privately with no lawsuits or court involvement avoid insurance adjuster payment reduction tactics understand and present proper medical evidence maximize cash settlement for pain & suffering collect payment now for future medical needs collect for all lost wages & earning ability understand common traumatic injuries determine the fair value of your injury case make sure your settlement is tax free reduce & defend all claims against your settlement

The Chinese insurance market is expanding enormously as risk adversity takes hold in the economy while the role of the State as guarantor of commerce is gradually reduced. In addition, insurance is a heavily regulated field with detailed contract law stipulations. An introduction to regulation and contract law and an understanding of current issues is essential for someone seeking to do business in the Chinese market. Insurance law is also a field that translates well from one jurisdiction to another, and academics will be interested in understanding how issues are dealt with in another jurisdiction. The book seeks to present and discuss current topics in Chinese insurance law and regulation to an English-speaking audience knowledgeable of common law insurance law and international insurance business. The combined effect of the papers is to present Chinese insurance law to an audience unfamiliar with Chinese law, in a readable and accessible essay chapter format. Each chapter is written by an expert in the field and goes beyond a basic introduction to provide in depth well-researched information and academic analysis on the topic in question.