AUTO - AIR BAGS |
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An airbag, also known as a Supplementary/Secondary Restraint System (SRS) or as an Air Cushion Restraint System (ACRS), is a flexible membrane or envelope, inflatable to contain air or some other gas. Air bags are most commonly used for cushioning, in particular after very rapid inflation in the case of an automobile collision.
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AUTOMOBILE ELECTRICAL SYSTEMS |
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An automotive electrical systems consists of several different components that provide the electrical power needed to start the car and provides all the functionality in the passenger compartment.
Lighting systems, battery and charging system, alternator, grounding system, all power and features like horn, radio, power windows, and door locks, security, wind shield wipers, and more.....
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BATTERIES |
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In science and technology, a battery is a device that stores chemical energy and makes it available in an electrical form. Batteries consist of electrochemical devices such as one or more galvanic cells, fuel cells or flow cells. The earliest known artifacts that may have been batteries are the Baghdad Batteries, from some time between 250 BCE and 640 CE. The modern development of batteries started with the Voltaic pile developed by the Italian physicist Alessandro Volta in 1800. The worldwide battery industry generates 48 billion dollars in sales annually (2005 estimate).
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CHEMICALS / ELEMENTS |
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A chemical element, often called simply element, is a chemical substance that cannot be divided or changed into other chemical substances by any ordinary chemical technique. The smallest unit of this kind of chemical substances is an atom, and the term "atom" is typically used to refer to atoms of particular elements. An element is a class of substances that contain the same number of protons in all its atoms. Chemicals are made from Chemical Elements.
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CLAIMS |
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A claim is a legal action to obtain money, property or the enforcement of a right protected by law against another party.
Individuals and businesses purchase insurance policies to protect against monetary losses. In the event of a loss, policyholders submit claims, or requests for payment, seeking compensation for their loss. Adjusters, appraisers, examiners, and investigators work primarily for property and casualty insurance companies, for whom they handle a wide variety of claims alleging property damage, liability, or bodily injury. Their main role is to investigate the claims, negotiate settlements, and authorize payments to claimants, all the while mindful not to violate the claimants rights under Federal and State privacy laws. They must determine whether the customers insurance policy covers the loss and how much of the loss should be paid to the claimant. Although many adjusters, appraisers, examiners, and investigators have overlapping functions and may even perform the same job, the insurance industry generally assigns specific roles to each of these claims workers.
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CORROSION EVALUATIONS |
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Corrosion is deterioration of intrinsic properties in a material due to reactions with its environment. Weakening of steel due to oxidation of the iron atoms is a well-known example of electrochemical corrosion. This type of damage usually affects metallic materials, and typically produces oxide(s) and/or salt(s) of the original metal. Corrosion also includes the dissolution of ceramic materials and can refer to discoloration and weakening of polymers by the sun's ultraviolet light.
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GEOLOGY |
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Geology (from Greek γη- (ge-, "the earth") and λογος (logos, "word", "reason")) is the science and study of the Earth, its composition, structure, physical properties, history and the processes that shape it. It is one of the Earth sciences. Geologists have helped establish the age of the Earth at about 4.6 billion (4.6x109) years, and have determined that the Earth's lithosphere, which includes the crust, is fragmented into tectonic plates that move over a rheic upper mantle (asthenosphere) via processes that are collectively referred to as plate tectonics. Geologists help locate and manage the earth's natural resources, such as petroleum and coal, as well as metals such as iron, copper, and uranium. Additional economic interests include gemstones and many minerals such as asbestos, perlite, mica, phosphates, zeolites, clay, pumice, quartz, and silica, as well as elements such as sulfur, chlorine, and helium. Experts who analyze slope creep, slides, earthquake damage, fault studies, environmental contamination, and construction claims.
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INSURANCE - AUTO |
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Vehicle insurance (or Auto insurance, car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents.
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INSURANCE FRAUD |
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Insurance fraud or false insurance claims are insurance claims filed with the intent to defraud an insurance provider.
In the United States insurance fraud is estimated to cost US$875 per person per year with The Coalition Against Insurance Fraud estimating the loss to be $80 billion per year and Medicare estimating fraud in its system costs the government $179 billion per year.
Insurance fraud hurts the average person in two ways. First, all fraud costs, including losses, investigations, etc., are paid for by the insured through higher premiums, or, in the case of government insurance like Medicare, in higher taxes. Second, if a particular individual is the target for the fraud, they have costs such as deductible payments, loss of property use, etc., as well as higher premiums from the claim loss and the potential for denial of future coverage.
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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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MARINE & MARITIME |
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From the latin "maritimus", maritime refers to things relating to the sea. Maritime law (also referred to as Admiralty law) is a distinct body of law which governs maritime questions and offenses.
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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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MENTAL RETARDATION |
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Mental retardation (also called mental handicap and, as defined by the UK Mental Health Act 1983, mental impairment and severe mental impairment) is a term for a pattern of persistently slow learning of basic motor and language skills ("milestones") during childhood, and a significantly below-normal global intellectual capacity as an adult. One common criterion for diagnosis of mental retardation is a tested intelligence quotient (IQ) of 70 or below.
People with mental retardation are people who are usually described as having developmental disabilities.
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METEOROLOGY |
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Meteorology is the scientific study of the atmosphere that focuses on weather processes and forecasting. Meteorological phenomena are observable weather events which illuminate and are explained by the science of meteorology. Those events are bound by the variables that exist in Earth's atmosphere. They are temperature, pressure, water vapor, and the gradients and interactions of each variable, and how they change in time. The majority of Earth's observed weather is located in the troposphere.
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PHOTOGRAPHY |
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Photography is the process of making pictures by means of the action of light. It involves recording light patterns, as reflected from objects, onto a sensitive medium through a timed exposure. The process is done through mechanical, chemical or digital devices commonly known as cameras.
The word comes from the Greek words φως phos ("light"), and γραφις graphis ("stylus", "paintbrush") or γραφη graphê, together meaning "drawing with light" or "representation by means of lines" or "drawing." Traditionally, the product of photography has been called a photograph. The term photo is a convenient abbreviation. Many people also call them pictures. In digital photography, the term image has begun to replace photograph. This term is neither more nor less correct than photograph, either in film or digital photography. (The term image is traditional in geometric optics.)
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POLLUTION |
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Pollution is the release of environmental contaminants. Carbon monoxide, sulfur dioxide, chlorofluorocarbons (CFCs), and nitrogen oxides produced by industry and motor vehicles are common air pollutants. Sunlight converts nitrogen oxides and hydrocarbons to ozone or smog. Water pollutants may consist of a wide range of organic and inorganic chemicals such as heavy metals, petrochemicals, chloroform, and bacteria. Water pollution may also occur in the form of thermal pollution and dissolved oxygen depletion. Soil contamination is an important aspect of environmental pollution; this phenomenon occurs when chemicals are released by spill or underground storage tank leakage. Among the most significant soil contaminants are hydrocarbons, heavy metals, MTBE, herbicides, pesticides and chlorinated hydrocarbons. The U.S., Russia, China and Japan are the world leaders in air pollution emissions; however, Canada is the number two country on a per capita basis.
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PROPERTY AND CASUALTY INSURANCE |
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Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance.
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