What is Title Insurance?

Posted On Sep 26 2017 by

Each and one of us know the benefits of having a homeowners insurance and a car insurance, but the idea of getting title insurance is something of a blur. The only time this type of insurance comes to mind is when you embark on the process of buying your own house.

What"s a title insurance anyway? It"s a policy that can guarantee you won"t face any unwanted and unknown claims to the ownership of the property you"re interested in.

What could be the worst thing that could happen?

A clean title is relevant because having a title gives you the right to be the owner of a particular property. Just imagine you"re finally buying the house of your dreams, closing a great deal and then afterward, you realize the previous owner has a lot of property debts for years. Those dents or liens may remain charged to the property, and as the new owner, you would be entirely responsible. Or another scenario would be the previous owner sold the house and now an estranged spouse is claiming the property. The scenarios can be endless which can mean a lot of trouble for you and the property you just bought. To keep your sanity, this is where the need for national title service comes in.

Prevention is the key.

Now, there are two things: title services and lender"s title insurance. For a one-time fee, your property will remain covered with a title insurance as long as you own it. If you"re considering a loan, the lender will want you to purchase a lender"s title insurance just to be sure. The lender just wants to be careful especially when it comes to the authenticity of the title. But, that just covers the amount of loan when the claim was made. So, be sure to get an owner"s policy to protect your interest.

A title company will do a detailed search to make sure that there won"t be any dark secrets and surprises within the heaps of files at the courthouse. They will look at wills, deeds, trusts, history, and everything about the property in question. The search can be conducted either manually or a computer or even both. It will depend on the records involved. By a title search, a lot of questions will be given necessary answers. Are there any existing legal actions against the property? Are there any liens or mortgages that are still unpaid? If they missed something during the search, your title insurance would cover any losses.

Go insurance shopping.

The only time you would consider getting a title insurance is during the closing. It may vary from state to state on whether the seller, buyer or both will be liable for paying the coverage.

You may purchase the title insurance from the company of your choice. Costs may be similar from company to company, but it"s your right to choose a company you"re comfortable with. You can do a background check for you to choose a reputable and trustworthy team. The only time you can purchase a title insurance is when you buy a home, and it"s not every day you get to choose the right lawyer to work with. But, if your lender insists a company of their choice, you can go with it as they buy it several times.

So, if ever you are deciding to purchase a home, don"t forget about getting a title insurance for you to be safe. Not everyone is truthful during real estate transactions, so it"s important to grant yourself protection from fraud and all kinds of title claims.

Tips For Hiring A DUI Attorney

Posted On Aug 9 2017 by

Millions of drivers every year are arrested for driving under the influence of alcohol. This is certainly a very stressful event to undergo and one way to make it much easier is to hire a DUI attorney. By hiring an experienced attorney, you will reduce your stress since they will determine whether you should take the case to court or plead guilty. So, we will now take a closer look at a few tips to help you choose the best Fort Lauderdale DUI attorney.

The first tip is that you need to come up with a list of possible attorneys. To create this list, you should start by getting recommendations from people in your network that you know and trust. Alternatively, if you have used another attorney in the past for another matter, you should ask them for recommendations if they cannot handle the case.

Next, once you have a list of potential attorneys, you then need to decide on which attorneys are best qualified to handle your case. You should make sure that every attorney on your list is licensed since only a licensed attorney will be able to represent your side in court. You should also check their ethical record to ensure they haven"t had any disciplinary action taken against them by the state.

It is necessary that you choose an attorney that has had extensive training and experience in handling DUI cases. You should check to see what their track record is and the results of the past DUI cases that they"ve handled. After all, you don"t want to hire an attorney that has a high failure rate.

In conclusion, we have just looked at a few tips to help you hire a Fort Lauderdale DUI attorney. Be sure to remember these tips, and I am confident you will find an excellent attorney that will ensure your case is properly handled.

Law, Introduction And Its Origin

Posted On Jun 1 2017 by

It is common that the current complex world of justice leads us to believe that positive law that is the set of rules governing the conduct of men of a community is a recent creation. The truth is that its first manifestations would have to track them down and in the dark times of prehistory, in the way that our distant ancestors did assert their rights, sometimes from reciprocity in societies governed by kinship, other by mandate of the elders of the tribe or clan and others by the divine imperative.

Two features characterize the law as we know from all eras. Acceptance by the community that they need to adapt their behavior to a set of provisions. Another characteristic is the emergence of disciplinary power that has the power of coercion on those who transgress.

In the history of civilizations, it has been an ongoing effort to support the power of the legislature to enact laws and the authority to sanction non-compliance. Western philosophers and jurists of various times have agreed that there was a natural law above the positive law. They understand that there is a set of universal and immutable principles. Such fundamentals would be an expression of transcendent justice whether divine or human. That rule is expressed in the image of the physical world, the universe of morality and society. However, this foundation of law has attuned to the evolution of Western society. During feudalism, the positive law was a reflection of the eternal law governing the order of Creation. However, in the context of the bourgeois revolutions of the seventeenth and eighteenth centuries, natural law emerged to be more prominent. Natural law derived from human reason and their rights of freedom and equality emerged from the formal legitimacy of positive law. Such philosophy is reflected in the “Declaration of the rights of Man and of the Citizen" of 1789.

Today, many writers still hold the naturalist origin of law, although admitting an extremely wide and variable content. There is a momentum that tends to substantiate the legitimacy of positive law. The movement arises from the need to articulate human societies from the beginning ethics and the groups which have decided to conform to restrictions and rules. The law is thus essential for the regulation of social relations and peaceful coexistence instrumental dimension.

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