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New York state has some very specific laws when it comes to insurance. Learn about New York state insurance laws with help from a licensed attorney who specializes in financial information in this free video clip.
Usury laws are established by each state government. These laws place a legal maximum limit for the amount of interest that can be charged in various consumer and commercial transactions. Texas has a set of usury laws that apply to invoice late fees. Part of these laws are specified penalties and liabilities for those who are found to have charged usurious fees.
North Carolina estate laws provide specific guidelines on what a family should do when deceased family members fail to leave wills for their heirs. The first order of business is to consult a lawyer. The more familiar the attorney is with the family, the less time needed to gather all of the necessary documents and learn the family background. Although the attorney fees will cut into the commission fee available to the estate administrator, the time saved and expert knowledge available will be well worth the cost.
Indiana cave trespassing laws are established to define liability between cave owners and explorers. Due to safety hazards in many Indiana caves, according to the University of Indiana, Bloomington, information on the geographical makeup of many subterranean locales is not available. As a result, most Indiana laws pertain to the stability, integrity and safety of the actual structures and cave explorers, respectively. Obeying cave laws is essential for knowing your legal responsibilities. whether you own a cave or are visiting -- with or without permission.
Five years ago, you agreed to let your elderly aunt live in the spare bedroom of your North Carolina home. She contributed money toward her food and other expenses each month, was quiet and unobtrusive and you barely knew she was there. Then she began bringing home stray cats, collecting used newspapers and turning her TV volume up high as she became increasingly hard of hearing. You decide you can no longer bear it and want her to move out. However, the ability of a landlord or head of household to evict an occupant from a North Carolina home depends…
Every U.S. state has a distinct regulation about the use of tire studs on its roads, and New Jersey is no exception. State governments closely regulate the use of tire studs, often restricting their use to specific months. When used excessively, studs can damage the road and result in increased infrastructure spending for a government.
Curfew laws are laws enforced by either a state or city in an effort to keep youths off of the street during the night or early morning. In Minnesota, curfews can be enforced by local counties and cities, making the laws vary throughout the entire state. During state of emergencies, such as wartime, curfews can often be extended to adults as well as youths.
A homeowner association (HOA) in Georgia is an incorporated entity formed by a real estate developer to sell lots in a subdivision with restricted terms of use. Homeowners who purchase HOA properties must abide by these terms (bylaws) or face fines and foreclosure on their properties. Homeowner associations may legally include in their bylaws restrictions on leasing properties.
Pennsylvania law contains several provisions to protect the rights and ownership of a tenant's possessions. Personal belongings are sometimes left behind during the enforcement of an eviction or abandoned after a tenant moves out of the premise. An attempt by a landlord to take ownership of a tenant's personal property is illegal in most cases under Pennsylvania law. When possessions need to be removed from the premise, they're typically moved to a storage company.
Although the police handle most aspects of crime, the cost of cleaning up a crime scene is not covered by the state in Michigan. Instead, the cost is often covered by your insurance plan, such as homeowners insurance or auto insurance. Provided it adheres to the correct standards when dealing with hazardous materials, any private company can charge to clean up crime scenes in Michigan.
Tow truck drivers must possess a commercial driver's license to operate a tow truck in North Carolina. To obtain a license, applicants must be at least 18 years of age if operating within the state. Individuals towing across state lines must be at least 21 years of age. All licensed drivers must be legal residents of North Carolina and meet state physical requirements.
Misrepresenting a mortgage deed is one of many mortgage fraud-related offenses. Vermont residents can expect prison sentences ranging from 3 to 30 years and fines of $10,000 to $1 million, depending on the overall monetary amount and number of offenses involved. Where applicable, Attorney General William H. Sorrell's office has also shown a willingness to file civil lawsuits against mortgage lenders and finances companies found to have violated the state's Consumer Fraud Act.
Hawaii's child guardianship laws are similar to child guardianship laws in other states. The best interests of the child play a large role in determining whether or not a person can attain guardianship of a child. Child guardianship cases are generally handled by family court, the same court that rules over custody and adoption cases. Guardianship is important to the health and welfare of children in Hawaii, and in other states.
New Hampshire law, spelled out in the New Hampshire Revised Statutes Annotated, allows home sellers to finance the sale of owner-occupied property to a private buyer. The law doesn't offer many regulations restricting loan terms and doesn't require owners to obtain licensing to originate a mortgage loan. Federal laws apply in cases where the NHGSA contains no regulations or when federal laws supersede New Hampshire law.
Eavesdropping has always been a controversial topic. Over time, technology has made the task of listening to someone else's conversation much easier. In the U.S individual states have laws against certain types of eavesdropping. The law can differ slightly from state to state, but in Georgia, the law prohibits eavesdropping in most circumstances.
The Internet is useful for connecting with people and sharing ideas on a worldwide basis. However, as with all technology, some users abuse the system by engaging in cyberbullying. In the United States, each state can pass its own cyberbullying laws. Texas has a law criminalizing certain kinds of online harassment. The general Texas harassment statute also prohibits several kinds of harassing behavior when communicated by way of the Internet.
If a company lacks the skilled employees needed for a job or simply has more work than it can handle, it may turn to subcontractors. For example, a builder may subcontract the electrical and plumbing work on a new home. An electronics manufacturer receiving a large order may subcontract with another company to manufacture the circuit boards needed. A subcontractor or a contractor may be an individual or a corporation employing many workers. Regardless, North Carolina law requires certain things from all who employ subcontractors.
A loan for a car is usually documented and secured by both a promissory note and a document making the car collateral for the loan. The lender can enforce payment for the loan by repossessing the car and also by suing the borrower if there is a default on the note. North Carolina state law regulates such legal actions within the state.
While the Federal Labor Standards Act and the Department of Labor put forth broad laws regarding employment, each state also has its own set of employment laws. State employment laws are generally much more stringent than the federally mandated ones. Businesses must adhere to both sets of laws for both adults and minors.
Life estate gives you the right to live in your property during your lifetime. You may choose to grant your life estate to someone else, in which case you become the grantor. The person granted the life estate is the tenant and his ownership ends upon death. Upon the tenant's death, the property goes back to the grantor or someone else the grantor designates. In Texas, laws provide clarity around abandoned life estates.
The Department of Agriculture has determined that tethering, or using a tie-out, for your dog is inhumane, as has the Humane Society of the United States, a private animal advocacy group. There are significant risks of injury to a dog that is tied out, including broken bones and even strangulation, should the dog get tangled while on the tether. In addition, a dog is vulnerable to attack by other dogs and animals as the dog is unable to protect itself properly when it is chained or tied up. Dogs that are tied out permanently also lose human contact, and dogs…
Profanity is certain language that is grossly offensive to members of the public who hear it being uttered. Profane speech is a nuisance to the public and is prohibited on television and broadcast radio between 6 a.m. and 10 p.m. as enforced by the Federal Communication Commission. Delaware also has laws that govern the use of profanity within state institutions and in public.
The New Jersey Employer-Employee Relations Act, passed in 1968, governs the actions of public employees and employers during a union bargaining process. The law permits employees to strike while their union negotiates with the company in an attempt to obtain higher compensation and additional benefits. The act does not interfere with the rights of private employees. Employees of private companies also can strike while their union negotiates with their employer.
New Mexico's official motto is "The Land of Enchantment," and one way that the state tries to maintain its image as a pristine environment is to discourage littering. Three major interstate highways cross New Mexico, and the state encompasses 121,412 square miles, making it the fifth largest state in the U.S. The state enforces laws to discourage littering, whether it's along a freeway, in one of its small towns or on one of its three Indian reservations.
The Texas Payday Law governs wage payment requirements for employers who conduct business within the state. Texas employers must pay their employees on regularly established days. Employers must also comply with the Texas final payment laws regarding the timing of final paychecks when employees sever their employment relationships or when their employers terminate them. The Texas Payday Law addresses whether or not employers have continuing obligations to employees who fail to cash their paychecks.
Most U.S. subdivisions have deed restrictions, and Texas subdivisions are not exceptions. While deed restrictions must be recorded in order to be valid, subdivisions do not have to be recorded for those deed restrictions to apply to them.
Owning land doesn't mean that you're free to use it however you want. In Pennsylvania, deed restrictions, also called land use covenants, can restrict landowners in terms of what they can build on the land and how they can build it. Additionally, the laws regarding these restrictions may be tricky to understand.
Theaters afford guests movies, plays, music and other performances. The large crowds and general darkness of theaters present potential fire hazards. Tennessee statutes and regulations adopt codes from international bodies to provide for adequate fire alarms, fire suppression, escape for theater patrons, fire prevention through proper storage and ventilation of film equipment, and prohibitions on smoking.
The laws in Illinois for institutional vandalism define the crime in a way specific to that state. In general, laws vary by state and therefore the definition of certain crimes and their resulting punishments are different depending on where in the country you live. All residents should know the laws of their respective states in order to know when a crime is being committed and so they can avoid committing a crime out of ignorance.
State legislatures understand that landlords have an interest in maintaining occupancy in their rental units. To support this interest, New Jersey, like other states, allows landlords to enter a rental unit for the purpose of showing it to prospective renters without the consent of a tenant, but with proper notice to the tenant of the showing.
Alaska is one of the few states that allows residents to file for divorce due to marital desertion on both fault and no-fault grounds. In general, neither affect the status of the marriage because ultimately a divorce will be granted. Marital desertion, however, can affect a parent's custody rights. Courts are reluctant to strip a parent of all custodial rights, but a judge will weigh abandonment as a factor when deciding a custody arrangement.
Arkansas employers must comply with the federal and state last-paycheck regulations. They must further comply with their state pay frequency laws governing the minimum number of times that employers must pay their employees monthly. Employers who terminate their employees must give their employees their final paycheck by their next regularly scheduled payday. However, in some cases, they may have to pay them within seven days.
Employers in Michigan, as in all states, must abide by worker wage and salary regulations set forth by both the federal and state government. Most of Michigan's laws are very similar to the federal government's salary laws, but there are a few differences. For instance, as of 2011, Michigan's minimum wage was $7.40, while the national minimum wage was $7.25.
With competition for the best law recruits fierce, top law firms in New York City dish out well over six figures to hire top associates. Associates work hard to land and maintain these prize positions with the hopes that eventually they will be able to make partner and enjoy the even higher compensation that comes along with it.
Horse-drawn carriages are a frequent sight on the streets in many of Arkansas' scenic Ozark Mountain resorts. They are owned by licensed commercial operators and generally used to carry tourists and for special occasions such as weddings. Most regulation of horse-drawn carriages in Arkansas is imposed and enforced by local ordinance, including commerce-related laws, such as franchise fees and taxes. However, many cities also regulate working conditions, health and equipment standards for horse-drawn carriages.
A legal guardian is someone who is vested with the power and obligation by a court to care for someone who cannot manage their own affairs due to age or incapacitation. So whether you're the guardian of a minor child or an incapacitated adult, it is your responsibility to care for that person and for their affairs as you would for your own. In the state of Indiana guardianship is not static, and it can be amended under the law.
Texas has both civil and criminal laws pertaining to animal cruelty, each of which results in different types of punishment, ranging from monetary fines to a jail sentence for the dog's owner. Depending on the circumstances, keeping one or more dogs outside in severely cold weather without proper shelter can qualify as an act of animal cruelty, punishable by law in Texas.
When purchasing a home, some contracts between buyer and seller contain a finance contingency clause. These clauses can completely undo the agreement between the buyer and seller, because typically the ultimate sale of the house is made contingent on the fulfillment of this clause. A financing contingency in Kansas is governed by general rules of contract law in that state.
In legal terms, an omnibus motion is a motion bringing several issues together into one. Georgia law features various examples of decisions in which courts ruled on a defendant's use of an omnibus motion. The state legislature also uses this legal proceeding for fund appropriation each year. Passing such legislation without bringing all related issues into one motion would be far too time-consuming.
Towing and impound regulations are the concern of every driver, as there may come a time when your car isn't where you left it. In Indiana, certain basic regulations govern when a vehicle may be towed, and additional regulations may be found in local jurisdictions and municipalities. None of the local laws can be less strict than state laws, but any of them can be more strict.
Texas employers must understand the overtime and wage payment provisions of the Fair Labor Standards Act. Under the FLSA, it is sometimes permissible to dock a salaried employee's pay, and other times it is not. To understand the difference, employers must first understand the difference between exempt and non-exempt employees, as well as the difference between hourly and salaried employees. Whether an employee's pay can be docked is dependent upon whether he is subject to overtime pay or whether he is exempt from overtime pay provisions.
Adverse possession laws, also known colloquially as "squatter's rights," are state laws based on the English common law doctrine of adverse possession. Derived from an economic principal of avoiding property dissipation or waste, the theory of adverse possession allows a court to award property in favor of a trespasser using another's property without permission or payment. In North Carolina, the General Assembly allows adverse possession owners to rightfully and legally claim ownership rights if they meet the statutory requirements of continuous, hostile and adverse use.
Most states have laws that guarantee that the landlord will provide safe and habitable housing to his tenants. A tenant must notify the landlord when repairs are necessary and give him time to address the problem. A landlord might ignore the request if he sees it as frivolous. The New Jersey landlord-tenant law allows tenants to withhold rent payments until the landlord makes the repairs, if the conditions affect the health and well-being of the tenants.
The Texas Property Code is the statutory basis for property ownership conveyances within the state. Real property owners can transfer or assign their deeds in whole or in part pursuant to the Texas Property Code. Deed assignments also may occur in the mortgage lending industry. Often, lenders sell their loans to secondary lending institutions to transfer their mortgage debts and payment rights. Known as deed of trust assignments, lenders are required to comply with Texas and federal lending laws.
The federal and state governments don't get involved in determining who's full-time or part-time. Whether you're a full-time employee or a part-time employee is an agreement between you and the company you work for. Many employers, however, designate what constitutes full-time for internal matters and policies, but ultimately, full-time employment status is a matter the federal and state governments stay away from regulating.
General divorce law in Kansas does not include specific settlement provisions that deprive the rights of spouses who are named as beneficiaries following divorce proceedings. While general waivers in divorce agreements do not alter life insurance benefits, specific waivers can be requested to alter beneficiary designations once divorce proceedings are made final.
In the digital age, information is more easily accessible than ever before. Ease of access to this information, however, also increases the potential for inappropriate or malicious use of this information. An employer maintains a variety of personal information about its employees. To help protect this information, the state of Texas has adopted several laws related to employee privacy rights and identity theft.
A deed of trust is a document defining a buyer of real property and the lienholder for that property. It is used commonly when real estate purchases have a mortgage attached. The title of the property is held in trust by a title company or other neutral party, with the loan payment requirements clearly defined. Transferring or assigning the deed of trust in Texas requires proper language though standard forms are not required.
According to the National Funeral Director's Association, there were nearly 20,000 funeral parlors in operation within the United States as of 2010. To join those ranks in North Carolina and become a mortician or funeral director, you must undergo schooling related to funeral service, pass exams at both the national and state levels, and undergo a year-long apprenticeship with a licensed funeral home.
No matter what the season, Ohioans enjoy campfires and bonfires in outdoor chimneys, fire rings and pits. The Ohio Environmental Protection Agency and local municipalities enforce safety rules for outdoor burning. Ohio law does not require the use of commercial chimneys for outdoor burning, but some areas of the state do require permits. If you use an outdoor chimney, barbecue pit or fire ring, contact your local government for burning rules.
