INSURANCE - GENERAL |
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General insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance typically comprises any insurance that is not determined to be life insurance, and is called property and casualty insurance in the U.S..
In the UK, General insurance is broadly divided into three areas; personal lines, commercial lines and London market.
The London market insures with large commercial risks, for example insuring supermarkets, football players and other very specific risks.
Commercial lines products are usually designed for relatively small legal entities. These would include workers comp (employers liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to many organisations.
Personal lines products are designed to be sold in large quantities. This would include autos (private car), homeowners (household), pet insurance, creditor insurance and others.
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MEDICAL |
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Medical - Having to do with or anything pertaining to Medical treatment, Medical Malpractice, Medical review, Medical Litigation.
Find MEDICAL experts and consultants for MEDICAL litigation support. Available to be MEDICAL expert witnesses and provide MEDICAL forensic consulting in MEDICAL litigation, in addition prepare MEDICAL expert witness reports for use in deposition and/or in-court trial testimony.
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WOUND CARE |
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In medicine, a wound is a type of physical trauma wherein the skin is torn, cut or punctured (an open wound), or where blunt force trauma causes a contusion (a closed wound). In pathology, it specifically refers to a sharp injury which damages the dermis of the skin.
Before any medical or paramedical evaluation, a wound is considered as minor when:
it is superficial (a "flesh wound");
it is away from natural orifices;
there is only minor bleeding;
it was not caused by a tool or an animal.
Any other wound should be considered as severe.
If there is any doubt, a wound should be considered as severe. "Severe" does not necessarily means that it endangers life, but it must at least be seen by a physician. In the case of severe open wounds, there is a risk of blood loss (which could lead to shock), and an increased chance of infection due to bacteria entering a wound that is exposed to air. Due to the risk of infection, wounds should be kept clean, and closed if possible until professional help is available.
Depending on their severity, closed wounds can be just as dangerous as open wounds. An injury to the brain such as a contusion is an extremely dire closed wound, and requires emergency medical attention.
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