DUI - Why People Drive Drunk

The first step in finding a solution to the problem of drunk driving is to first identify its causes. Numerous people drive drunk every day, despite the well-known negative consequences. Why?

Alcohol-induced loss of judgment. A drinker's good judgment is normally undermined after two drinks for an average woman, and four for an average man. After drinking and having compromised judgment, the drinker would often fail to realize how his or her existing condition may be unsuitable for getting behind the wheel.

Over-confidence. Since alcohol also causes a boost in confidence, the drinker may be more convinced than usual about being able to drive in that condition, which would prove even more dangerous. This overconfidence becomes more pronounced if one has already survived driving drunk once before, with the driver coming under the false impression that alcohol enhances his or her driving skills.

Lack of Planning. This is one of the leading reasons of drunk driving. If you are going someplace, where you might be drinking, arrange a ride that will take you back home after you're drunk, because you don't know how drunk you will be by the time you're done. If you don't plan on drinking at the party, its best to consciously refrain from it.

Rationalization. The thought of not driving because of their drunken state does cross the minds of some drinkers before they get behind the wheel. But they try to deal with that thought through rationalization by telling themselves why it is okay to drive in that condition. It is important to remember that in that state of compromised judgment, no rationalization can be rational enough. If you survived drunk-driving once, you got lucky. Don't push that luck.

Pressure. This mostly applies to the teenagers. They are afraid of calling home and asking for a ride when they are too drunk to drive, the sole reason of which is peer pressure. They start wondering, "What would my friends think if they knew I was too scared to drive drunk?" The thing is that it doesn't make you a coward, asking for a ride because you're too drunk to. Any parent would rather pick their drunken child up from a party than pick him or her up dead from the morgue.

Lack of education. This may sound shockingly odd to those of us who know the effects of drinking on driving, but there's a large number of people who have no idea as to the existence of a dangerous connection between drinking and driving since both tasks, separately, are such normal parts of their everyday lives. More importantly, there are an even larger number of people who know about the adverse effects of drunk driving, but have no idea about the entire meaning of driving under the influence, which is the main problem: driving under the influence of drugs. They fail to acknowledge that being under the influence of even the simplest over-the-counter drugs can also cause horrible accidents by impairing your driving skills.

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Most People Won't Learn About Insurance Fraud Investigators Until It's Too Late

According to the Coalition Against Insurance Fraud, insurance fraud costs Americans 80 billion dollars a year. The perpetrators of this kind of fraud aren't usually hardened criminals with reset noses and a constant sneer - usually, these crimes are committed by smart people who think of fraud as a way to make a bunch of money without working for it. But awareness can stop them dead in their tracks. Read along and learn some of the main types of insurance fraud, what you can do to prevent it, and where to go for help.

Workers Compensation Fraud

Legitimate workers compensation is a godsend to so many hard-working people who have a run of bad luck. But workers comp fraud comes in a variety of forms, and it's tough for a business owner to have his eyes open for all of them. But when a worker:

Refuses to disclose a nagging injury he had before signing on,Claims he got an injury on the clock when he got it after hours,Fakes or exaggerates an injury,Collects benefits from more than one employer for a legitimate injury, orWorks one place while getting workers comp from another employer

They aren't just skimming a little bit off the top. They're committing a crime. As a preventative measure, companies might refer injured workers to clinics they trust to report honest information. But once they suspect there's fraud in place, a private investigator can conduct interviews, do surveillance, and run background checks on their medical history and claim history.

Automotive Fraud

Investigation for this kind of fraud isn't easy to track, and it's distressingly common. When a staged rear-ender happens, or a legitimate accident is exaggerated, a claimant can collect a sizable amount on their auto insurance policy. The cons don't stop with phony car thefts and falsified applications - there are even recorded incidents of scammers getting insurance on cars that never existed in the first place!

But there are also countless unique, external factors that can create a legitimate accident. Whether it's the weather, the condition of the roads, or the speed of the vehicles involved, they can all make an impact on the damage the cars involved. Those differences can be subtle, but make no mistake - they do exist. A single missing detail can unravel a tangle of lies and help everyone involved determine who, if anyone, is liable for an accident.

Medicare Fraud

There are two major kinds of Medicare fraud. The first is called member fraud, and happens when a policy holder withholds vital information from their provider. The second is much more common - it's called provider fraud. You can protect yourself by staying away from:

Telemarketers and door to door salesmen.Companies that waive co-payments and don't check your ability to pay.Salesmen that aggressively sell you on stuff you don't need.Strange information and rumors about "secret" changes to the Medicare program.Anybody that asks for access to your Medicare card. For any reason.

If you run into any of these, it's a good sign something's up. If you suspect something's gone wrong, get a PI. They'll usually look into your Medicare Summary Notice and check it for irregularities.

We're insurance fraud investigators that work with honesty, integrity, and an open mind - and we try to benefit our client whether he's a wealthy employer or a regular guy that's down on his luck. If you're worried that you or someone you know might be a victim, visit our website at http://www.privateinvestigatorservices.org/, and within minutes, you can schedule a personal consultation that addresses your unique situation.

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