ACCIDENT INVESTIGATION |
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Accidents occur when hazards escape detection during preventive measures, such as a job or process safety analysis, when hazards are not obvious, or as the result of combinations of circumstances that were difficult to foresee. A thorough accident investigation may identify previously overlooked physical, environmental, or process hazards, the need for new or more extensive safety training, or unsafe work practices. The primary focus of any accident investigation should be the determination of the facts surrounding the incident and the lessons that can be learned to prevent future similar occurrences.
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ACCIDENT PREVENTION / SAFETY |
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Safety standards are standards designed to ensure the safety of products, activities or processes, etc. They may be advisorary or compulsorary and are normally laid down by an advisorary or regulatory body that may be either voluntary or statutory.
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ACCIDENT RECONSTRUCTION |
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Accidents occur everyday that result in the destruction of property, injuries, or even death. Experts in accident reconstruction use multi-displinary techniques to recreate the events leading to the accident. The data collection process and subsequent analysis of the accident data can lead to the assignment of negligenceblame. results of the reconstruction
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ADHESIVES |
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An adhesive is a compound that adheres or bonds two items together. Adhesives may come from either natural or synthetic sources. Some modern adhesives are extremely strong, and are becoming increasingly important in modern construction and industry.
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ADVERTISING |
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Firms in the advertising and public relations services industry prepare advertisements for other companies and organizations and design campaigns to promote the interests and image of their clients. This industry also includes media representativesÂfirms that sell advertising space for publications, radio, television, and the Internet; display advertisersÂbusinesses engaged in creating and designing public display ads for use in shopping malls, on billboards, or in similar media; and direct mail advertisers. A firm that purchases advertising time (or space) from media outlets, thereafter reselling it to advertising agencies or individual companies directly, is considered a media buying agency. Divisions of companies that produce and place their own advertising are not considered part of this industry.
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AMBULANCE |
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An ambulance is a vehicle designated for the transport of sick or injured people. The first ambulances called by that name were horse ambulances used in the American Civil War. The first practical ambulances were created by Dominique Jean Larrey, a French surgeon (17661842), for use in the Napoleonic Wars. Modern-day ambulances are typically large automobiles on a van or light truck chassis.
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ANTIQUES |
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Antiques (Latin antiquus, old) are objects which have reached an age which makes them a witness of a previous era in human society.
Antiques are usually objects which show some degree of craftsmanship, or a certain attention to design such as a desk or the early automobile. In a consumer society, an antique is above all an object whose atypical construction and age give it a market value superior to similar objects of recent manufacture. Any historical museum makes a considerable use of antiques in order to illustrate historical events and give them a practical context.
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APPRAISAL / VALUATION |
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The appraisal value is the value of a company based on a projection of future cashflows that its owners will receive from the company's assets as well as from its current and future operations.
The appraisal value is often used to measure the financial performance of insurance companies. It is also a useful tool in measuring the viability of new ventures.
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AUCTIONS AND E-COMMERCE |
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An auction is the process of buying and selling things by offering them up for bid, taking bids, and then selling the item to the highest bidder. Auctioning can be traced as far back as 500 B.C.[1] In economic theory, an auction is a method for determining the value of a commodity that has an undetermined or variable price. Auctions can be with reserve or minimum, or without minimums, or absolute or no reserve. In reserve auctions, there is a minimum bid or reserve price; if the bidding does not reach the minimum, there is no sale (but the person who puts the item up for auction may still owe a fee to the auctioneer or auction company). In absolute or no reserve auctions, the sale is guaranteed, with only the price left to be determined. In the context of auctions, a bid is an offered price.
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AUDIO / VIDEO |
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Sound recording and reproduction is the electrical or mechanical re-creation and/or amplification of sound, often as music. This involves the use of Audio components such as microphones, recording devices and loudspeakers. From early beginnings with the invention of the Phonograph using purely mechanical techniques, the field has advanced with the invention of electrical recording, the mass production of the 78, the Magnetic wire recorder followed by the Tape recorder,the Microgroove recording, and the LP record. The invention of the Compact cassette in the 1960's, followed by the Walkman, gave a major boost to the mass distribution of music recordings, and the invention of Digital recording and the Compact disc in 1983 brought massive improvements in ruggedness and quality. The most recent developments have been in Digital audio players like the Apple iPod.
Video is the technology of capturing, recording, processing, transmitting, and reconstructing moving pictures, typically using celluloid film, electronic signals, or digital media, primarily for viewing on television or computer monitors.
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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 ACCIDENT |
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Car accidents are damaging events involving road traffic, particularly automobiles. They can cause damage to vehicles, people or structures. Car accidents also called traffic collisions, auto accidents, road accidents, personal injury collisions, motor vehicle accidents, and (particularly by American radio traffic reporters) crashes kill an estimated 1.2 million people worldwide each year, and injure about forty times this number (WHO, 2004). The term "accident" is considered inappropriate by some, as reliable sources estimate that upwards of 90% are the result of driver negligence.
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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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AUTOMOTIVE |
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Automotives refers to design and manufacture of self-propelled mobility systems such as automobiles, trucks and buses, construction equipment, aircraft, aerospace vehicles, marine transports, trains and railroads, and other transit systems. Usually these mobility systems carry its own source of power while in operations, with the exceptions being electric locomotive and Magnetic levitation train.
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AUTO SALES CONTRACTS |
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Find AUTO SALES CONTRACTS experts and consultants for AUTO SALES CONTRACTS litigation support. Available to be AUTO SALES CONTRACTS expert witnesses and provide AUTO SALES CONTRACTS forensic consulting in AUTO SALES CONTRACTS litigation, in addition prepare AUTO SALES CONTRACTS expert witness reports for use in deposition and/or in-court trial testimony.
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BAD FAITH |
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Bad faith is a legal concept that can be found in many areas of the law.
In philosophy, mauvaise foi (French, bad faith) or false consciousness, as propounded by French existentialist philosopher Jean-Paul Sartre, is the flight from existential responsibility and the inauthentic embrace of choices that conflict with ones convictions.
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BANKRUPTCY |
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Bankruptcy is a legally declared inability or impairment of ability of an individual or organization to pay their creditors. A declared state of bankruptcy can be requested by creditors in an effort to recoup a portion of what they are owed; however, in the overwhelming majority of cases, the bankruptcy is initiated by the bankrupt individual or organization.
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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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BICYCLE HELMETS |
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A bicycle helmet is designed to provide head protection for cyclists. Helmets are most suitable for preventing injury in straight falls, and for reducing friction related damage to the head. Modern bicycle helmets were first developed in the 1970s.
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BIRTH INJURY |
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Occasionally during the birth process, the baby may suffer a physical injury that is simply the result of being born. This is sometimes called birth trauma or birth injury. 1 in 200 babies is born with some form of birth injury, and many of these cases may have been caused by medical negligence.
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BREACH OF CONTRACT |
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Breach of contract is a legal concept in which a binding agreement or bargained-for exchange is not honored by one or more of the parties to the contract by non-performance or interference with the other partys performance.
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BUS ACCIDENT |
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A bus is a large, motorized, wheeled vehicle intended to carry numerous persons in addition to the driver. The name is a shortened version of omnibus, which means for everyone.
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BUSINESS |
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In economics, business refers to the social science of managing people to organize and maintain collective productivity toward accomplishing particular creative and productive goals. The etymology of business literally refers to the state of being busy, in the context of the individual as well as the community or society.
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CARBON MONOXIDE EMISSIONS |
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Carbon monoxide, chemical formula CO, is a colorless, odorless, tasteless, flammable and highly toxic gas. It is a major product of the incomplete combustion of carbon and carbon-containing compounds. It is less dense than air under ordinary conditions, however it accumulates on the ground, meaning that if poisoning causes loss of consciousness the amount of carbon monoxide inhaled increases and so fatality is radically increased. It is very slightly soluble in water and burns in air with a characteristic blue flame, producing carbon dioxide; it is a component of producer gas and water gas, which are widely used artificial fuels. It is a reducing agent, removing oxygen from many compounds and is used in the reduction of metals, e.g., iron , from their ores. At high pressures and elevated temperatures it reacts with hydrogen in the presence of a catalyst to form methanol. Carbon monoxide is formed by combustion of carbon in oxygen at high temperatures when there is an excess of carbon. It is also formed with a byproduct oxygen by decomposition of carbon dioxide at very high temperatures (above 2,000 °C). It is present in the exhaust of internal-combustion engines, often the exhaust of automobiles, and is generated in coal stoves, furnaces, and gas appliances that do not get enough air. This may be due to insufficient ventilation or other reasons.
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CEREBRAL PALSY |
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Cerebral palsy
is a term used to describe a group of chronic conditions affecting body movements and muscle coordination. It is caused by damage to one or more specific areas of the brain, usually occurring during fetal development, or during infancy. It can also occur before, during or shortly following birth. "Cerebral" refers to the brain and "Palsy" to a disorder of movement or posture.
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CIVIL RIGHTS - EQUAL RIGHTS |
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Civil rights are the protections and privileges of personal liberty given to all citizens by law. Civil rights are distinguished from "human rights" or "natural rights"; civil rights are rights that are bestowed by nations on those within their territorial boundaries, while natural or human rights are rights that many scholars claim ought to belong to all people. For example, the philosopher John Locke (1632-1704) argued that the natural rights of life, liberty, and property should be converted into civil rights and protected by the sovereign state as an aspect of the social contract. Others have argued that people acquire rights as an inalienable gift from a god or at a time of nature before governments were formed.
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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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COMPRESSED NATURAL GAS - CNG |
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Compressed Natural Gas (CNG) is a substitute for gasoline (petrol) or diesel fuel. It is considered to be an environmentally "clean" alternative to those fuels. It is made by compressing purified natural gas, and is typically stored and distributed in hard containers.
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CONSUMER CONFUSION |
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Consumers can and do get confused, especially with the massive increase in choice available and the increase in complexity of products. It seems plausible that consumer confusion, like most consumer attributes, must have a direct and significant impact on marketing strategy. Yet most of what is written on the subject is tangential and scattered over a number of disciplines. A study explores the various views together under one single heading that will be of interest to marketers and business managers.
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CONSUMER MARKETING |
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Find CONSUMER MARKETING experts and consultants for CONSUMER MARKETING litigation support. Available to be CONSUMER MARKETING expert witnesses and provide CONSUMER MARKETING forensic consulting in CONSUMER MARKETING litigation, in addition prepare CONSUMER MARKETING expert witness reports for use in deposition and/or in-court trial testimony.
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CONTRACT & MISC. SURETY |
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A surety is a person who agrees to be responsible for the debt or obligation of another. The situation in which a surety is most typically required is when the ability of the primary obligor or principal to perform its obligations under a contract is in question, or when there is some public or private interest which requires protection from the consequences of the principal's default or delinquency. In most common law jurisdictions, a contract of suretyship is subject to the statute of frauds (or its equivalent local laws) and is only enforceable if memorialized by a writing signed by the surety.
A surety bond is a contract between at least three parties: (i) the principal, (ii) the obligee, and (iii) the surety. Through this agreement, the surety agrees to make the obligee whole (usually by payment of money) if the principal defaults in its performance of its promise to the obligee. The contract is formed so as to induce the obligee to contract with the principal, i.e., to demonstrate the credibility of the principal.
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CONTRACTS - INTERPRETATION |
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A contract is a promis or an agreement that is enforced or recognized by the law. In the civil law, contracts are considered to be part of the general law of obligations. This article describes the law relating to contracts in common law jurisdictions.
Contract theory comprises many different theories and various interpretations of the various body of rules and subrules that define Contract Law.
Classical contract theory is the set of ideas and assumptions that underpinned the development of contract law in England and the United States during the 19th century. During this period, the prevailing liberal individualist philosophy of laissez faire elevated contract to a position of central importance in the law.
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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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CREDIT |
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Credit as a financial term, used in such terms as credit card, refers to the granting of a loan and the creation of debt. Any movement of financial capital is normally quite dependent on credit, which in turn is dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.
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CRISIS COMMUNICATIONS |
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Crisis communications is the art and science of working with the public through the print, broadast, cable and Internet media when an event, which could have negative, devastating impact to a governmental, corporate or non-profit organization, suddenly starts to gather hurricane strength. It is the most creative and exhausting counseling that a public relations and public affairs professional would be asked to perform as he turns a negative into a positive.
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CUSTOMS |
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Find CUSTOMS experts and consultants for CUSTOMS litigation support.
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DEMOLITION |
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Demolition is the opposite of construction: the tearing-down of buildings and other structures. It is contrasted with deconstruction, which is the taking down of buildings while carefully preserving valuable elements for re-use.
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DISABILITIES |
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The term "disability", as it is applied to humans, refers to any condition that impedes the completion of daily tasks using traditional methods. National governments and global humanitarian agencies have narrowed this definition for their own purposes.
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DISABILITY |
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The term "disability", as it is applied to humans, refers to any condition that impedes the completion of daily tasks using traditional methods. National governments and global humanitarian agencies have narrowed this definition for their own purposes.
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DOORS AND GATES |
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A door is a generally floor-length opening in a wall (or other partition), often equipped with a hinged or sliding panel which can be moved to leave the opening accessible, or to close it more or less securely. Doors are nearly universal in structures of all kinds (especially houses and other buildings), allowing passage between inside and outside, or among internal rooms. Doors are also found in vehicles, cupboards, cages, etc. A gate is a point of entry to a space enclosed by walls, or an opening in a fence. Gates may prevent or control entry or exit, or they may be merely decorative.
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DRAM SHOP |
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Dram shop or Dramshop is a legal term in the United States referring to a bar, tavern or the like where alcoholic beverages are sold. Traditionally, it referred to a shop where spirits were sold by the dram, a small unit of liquid.
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DROWNING |
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Drowning is death caused by the filling of the lungs by a liquid, usually water, rendering breathing ineffective and leading to death due to asphyxia. Near drowning is initial survival of a drowning event, and can lead to serious secondary complications including death later on; cases of near drowning therefore also require attention by medical professionals. Secondary drowning is death due to chemical and biological changes in the lungs after a near drowning incident or exposure to chemicals. In many countries, drowning is one of the leading causes of death for children under 14 years old.
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DUI - Driving Under Influence |
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Driving under the influence, drunk driving, or drink-driving, is the act of operating a motor vehicle (and sometimes a bicycle or similar human-powered vehicle) after having consumed alcohol (ethanol) or other drugs, to the degree that mental and motor skills are impaired. In addition to driving under the influence of alcohol and driving under the influence of other drugs, a third "DUI" offense consists of driving under the combined influence of alcohol and other drugs. The drugs causing or contributing to the impairment need not be illegal, but can consist of lawfully prescribed or over-the-counter medication. Anti-drunk-driving advertising campaigns have aimed to raise awareness of the legal situation and the dangers of driving while intoxicated. Drunk-driving is responsible for a very large number of deaths, injuries, damage and accidents every year.
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DUMBWAITER |
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A small elevator used to transport food or other items between floors of a building.
An elevator is a transport device used to move goods or people vertically. Outside North America, elevators are known more commonly as lifts, although the word elevator is familiar from American movies and television shows, just as some Americans are aware of lift from imported entertainment. Other languages may have loanwords based on either elevator (e.g. Japanese) or lift (e.g. Cantonese). Because of wheelchair access laws, elevators are often a requirement in new buildings with multiple floors.
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DUST CONTROL |
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Dust consists of tiny solid particles carried by air currents. These articles are formed by a disintegration or fracture process, such as grinding, crushing, or impact. The Mine Safety and Health Administration (MSHA) defines dust as finely divided solids that may become airborne from the original state without any chemical or physical change other than fracture.
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DWI - Driving While Intoxicated |
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Drunk driving is the act of operating a motor vehicle under the influence of alcohol and/or drugs to the degree that mental and motor skills are impaired. It is illegal in all jurisdictions within the U.S..
The specific criminal offense is usually called driving under the influence [of alcohol and/or other drugs] (DUI), and in some states driving while intoxicated (DWI) or operating while impaired (OWI). Such laws may also apply to boating or piloting aircraft.
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ECONOMIC ANALYSIS |
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Economic base analysis was developed by Robert Murray Haig in his work on the Regional Plan of New York in 1928. Briefly, activities in an area divide into two categories basic and non-basic. Basic industries are those exporting from the region; non-basic (or service) industries support basic industries. Because of data problems, it is not practical to study industry output and trade flows to and from a region. As an alternative, basic and non-basic concepts are operationalized using employment data.
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ELECTRONICS |
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The field of electronics is the study and use of systems that operate by controlling the flow of electrons (or other charge carriers) in devices such as thermionic valves and semiconductors. The design and construction of electronic circuits to solve practical problems is part of the field of electronics engineering, and includes the hardware design side of computer engineering.
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ELEVATOR |
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An elevator is a transport device used to move goods or people vertically. Outside North America, elevators are known more commonly as lifts, although the word elevator is familiar from American movies and television shows, just as some Americans are aware of lift from imported entertainment. Other languages may have loanwords based on either elevator (e.g. Japanese) or lift (e.g. Cantonese). Because of wheelchair access laws, elevators are often a requirement in new buildings with multiple floors.
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EMERGENCY MANAGEMENT |
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Emergency preparedness is a set of doctrines to prepare civil society to cope with - or plan for - natural or man-made disasters. Emergency Operations or Disaster relief are the subset of these doctrines that are concerned with recovery efforts; these comprise the execution or implementation of the Emergency preparedness plans. This is usually a government policy adapted from civil defense to prepare for nonmilitary civil emergencies before they happen. Emergency management involves plans, structures and arrangements established to engage the normal endeavours of government, voluntary and private agencies in a comprehensive and coordinated way to respond to the whole spectrum of emergency needs. This is also known as disaster management
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EMERGENCY MEDICAL SYSTEMS |
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The Emergency Medical Service system (known by the acronym "EMS" in the USA and Canada) is responsible for providing pre-hospital (or out-of-hospital) care by paramedics, emergency medical technicians (EMT's), and medical first responders (MFRs in US terminology). The goal of EMS is to provide early treatment to those in need of urgent medical care, and ultimately rapid transportation to an Emergency department. Stabilizing patients early (within the golden hour) significantly increases their chances of survival, particularly in the event of a heart attack, diabetic emergency, or severe physical trauma.
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EMS - Emergency Medical Service |
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The Emergency Medical Service system (known by the acronym "EMS" in the USA and Canada) is responsible for providing pre-hospital (or out-of-hospital) care by paramedics, emergency medical technicians (EMT's), and medical first responders (MFRs in US terminology). The goal of EMS is to provide early treatment to those in need of urgent medical care, and ultimately rapid transportation to an Emergency department. Stabilizing patients early (within the golden hour) significantly increases their chances of survival, particularly in the event of a heart attack, diabetic emergency, or severe physical trauma.
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ERGONOMICS |
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Ergonomics (or human factors) is the scientific discipline concerned with the understanding of interactions among humans and other elements of a system, and the profession that applies theory, principles, data, and methods to design in order to optimize human well-being and overall system performance (definition adopted by the International Ergonomics Association in 2000).
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ESCALATOR |
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An escalator is a conveyor transport device for transporting people, consisting of a staircase whose steps move up or down on tracks that keep the surfaces of the individual steps horizontal.
A moving walkway, moving sidewalk, travelator, or travellator is a slow conveyor belt that transports people horizontally or on an incline in a similar manner to an escalator. In both cases, riders can walk or stand. The walkways are often supplied in pairs, one for each direction.
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EXPERT WITNESS SALES |
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An expert witness is a witness, who by virtue of education, or profession, or experience, is believed to have special knowledge of his subject beyond that of the average person, sufficient that others may officially (and legally) rely upon his opinion.
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FIBER OPTICS |
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An optical fiber (or fibre) is a transparent thin fiber, usually made of glass or plastic, for transmitting light. Fiber optics is the branch of science and engineering concerned with such optical fibers.
Optical fibers are commonly used in telecommunication systems, as well as in illumination, sensors, and imaging optics.
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FINANCE |
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Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following:
The study of money and other assets
The management and control of those assets
Profiling and managing project risks
As a verb, "to finance" is to provide funds for business.
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FORKLIFTS - FORK LIFTS TRUCKS |
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A forklift truck (often just called forklift) is a powered industrial truck used to lift and transport materials by means of steel forks inserted under the load. The forklift was developed in the 1920s by various companies including the transmission manufacturing company Clark (today known as Clark Material Handling Company) and the hoist company Yale & Towne Manufacturing (Today known as Yale Materials Handling Corporation)[1]. It has since become an indispensable piece of equipment in many manufacturing and warehousing operations. A different type of forklift is the sideloader (i.e Fiora sideloader)[2], usually designed to transport long loads in very narrow aisle (VNA trucks).
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FUELS |
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Fuel is a material with one type of energy which can be transformed into another usable energy. A common example is potential energy being converted into kinetic energy, (as heat and mechanical work). In many cases this is just something that will burn.
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GAMES |
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A game is an (often, but not always recreational) activity involving one or more players. This can be defined by either a goal that the players try to reach, or some set of rules that determines what the players can or can not do. Games are played primarily for entertainment or enjoyment, but may also serve as exercise or in an educational, simulational or psychological role. Group leaders will also use games for other following purposes, such as ego-boundary or group boundary creation/ altering, or mood control.
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GRAPHICS |
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Graphics are visual presentations on some surface such as a wall, canvas, computer screen, paper or stone to inform, illustrate or entertain. Examples are photographs, drawings, Line Art, graphs, diagrams, symbols, geometric designs, maps, engineering drawings, or other images which are not only text. Graphics is often used in combination with text and color.
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HYDRAULICS |
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Hydraulics is a branch of science and engineering concerned with the mechanical properties of liquids. It is part of the more general discipline of fluid power. The word "hydraulics" comes from the Greek word ὑδϱαυλικός (hydraulikos) which in turn comes from ὕδϱαυλος meaning water organ which in turn comes from ὕδωϱ (water) and αὐλός (pipe). The earliest masters of this art were Hero of Alexandria and Ctesibius. The ancient engineers however focused on sacral and novelty uses of hydraulics, rather than practical applications. One of the founders of modern hydraulics was Benedetto Castelli, a student of Galileo Galilei.
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IMPORTING / EXPORTING |
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In economics, an import/export is any good or commodity, shipped or otherwise transported in/out of a country, province, town to another part of the world, typically for use in trade or sale. Export products or services are provided to foreign consumers by domestic producers.
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INFORMATION SYSTEMS |
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As an area of study it is commonly referred to as information technology management. The study of information systems is usually a commerce and business administration discipline, and frequently involves software engineering, but also distinguishes itself by concentrating on the integration of computer systems with the aims of the organization. The area of study should not be confused with computer science which is more theoretical in nature and deals mainly with software creation, or computer engineering, which focuses more on the design of computer hardware.
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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 BROKER / AGENT |
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An insurance broker sources (brokes) contracts of insurance on behalf of their customers.
The term Insurance Broker became a regulated term under the Insurance Brokers (Registration) Act 1977[1] which was designed to thwart the bogus practices of firms holding themselves as brokers but in fact acting as representative of one or more favoured insurance companies.
Insurance brokerage is largely associated with general insurance (car, house etc.) rather than life insurance, although some brokers continued to provide investment and life insurance brokerage until the onset of more onerous Financial Services Authority regulation in 2001.
Insurance broking is carried out today by many types of organizations including traditional brokerages, Independent Financial Advisers (IFAs) and telephone or web-based firms.
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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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INSURANCE - LIFE |
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Life insurance (Life Assurance in British English) is a type of insurance. As in all insurance, the insured transfers a risk to the insurer, receiving a policy and paying a premium in exchange. The risk assumed by the insurer is the risk of death of the insured.
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INSURANCE - PERSONAL INJURY PROTECTION (PIP) |
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Personal Injury Protection (PIP) is an extension of car insurance available in some American states, which covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those with no-fault laws.
PIP can cover within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on a first-party basis, without regard to fault. It is only available in certain states.
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LAND USE PLANNING & ZONING |
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Land Use Planning is the term used for a branch of public policy which encompasses various disciplines which seek to order and regulate the use of land in an efficient way.
Despite confusing nomenclature, the essential function of planning remains the same whatever term is applied. The Canadian Planners Association offers a definition that; "[Land Use] Planning means the scientific, aesthetic, and orderly disposition of land, resources, facilities and services with a view to securing the physical, economic and social efficiency, health and well-being of urban and rural communities"
Zoning is a North American term for a system of land-use regulation. The word is derived from the practice of designating permitted uses of land based on mapped zones which separate one part of a community from another. Zoning regulations fall under the police power rights governments may exercise over real property. Theoretically, its primary purpose is to segregate uses that are thought to be incompatible; in practice, zoning is used as a permitting system to prevent new development from harming existing residents or businesses. Zoning is commonly controlled by local governments such as counties or municipalities.
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LEAD |
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Lead is a chemical element in the periodic table that has the symbol Pb (L. plumbum) and atomic number 82. A soft, heavy, toxic and malleable poor metal, lead is bluish white when freshly cut but tarnishes to dull gray when exposed to air. Lead is used in building construction, lead-acid batteries, bullets and shot, and is part of solder, pewter, and fusible alloys. Lead has the highest atomic number of all stable elements. (But see the article on Bismuth, which has a half life so long it can be considered stable.)
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LENDING - LOANS |
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A loan is a type of debt. All material things can be lent but this article focuses exclusively on monetary loans. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower. The borrower initially receives an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt.
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LIFTING EQUIPMENT |
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A mechanical jack is a device which lifts heavy equipment. The most common form is a car jack which lifts vehicles so that maintenance can be performed. Car jacks usually use mechanical advantage to allow a human to lift a vehicle. More powerful jacks use hydraulic power to provide more lift over greater distances. A mechanical jack is called a Floor Jack or a Garage Jack. A three ton jack is good around the Shop or the DIYer's Garage. The higher the jack's ton rating the better, a three ton jack will raise an automotive more than the 2 1/2 jack.
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LIQUIFIED PETROLEUM GAS - LPG - LP GAS |
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Liquified petroleum gas (also called liquefied petroleum gas, liquid petroleum gas, LPG, LP Gas, or autogas) is a mixture of hydrocarbon gases used as a fuel in heating appliances and vehicles, and increasingly replacing chlorofluorocarbons as an aerosol propellant and a refrigerant to reduce damage to the ozone layer. Varieties of LPG bought and sold include mixes that are primarily propane, mixes that are primarily butane, and mixes including both propane and butane, depending on the seasonin winter more propane, in summer more butane. Propylene and butylenes are usually also present in small concentration. A powerful odorant, ethanethiol, is added so that leaks can be detected easily. LPG is manufactured during the refining of crude oil, or extracted from oil or gas streams as they emerge from the ground.
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LIQUOR LIABILITY |
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Dram shop or Dramshop is a legal term in the United States referring to a bar, tavern or the like where alcoholic beverages are sold. Traditionally, it referred to a shop where spirits were sold by the dram, a small unit of liquid.
Dram shop liability refers to the body of law governing the liability of taverns, liquor stores and other commercial establishments that serve alcoholic beverages and liquor. Generally, dram shop laws establish the liability of establishments arising out of the sale of alcohol to visibly intoxicated persons or minors who subsequently cause death or injury to third-parties - those not having a relationship to the bar, as a result of alcohol-related car crashes and other accidents.
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LIVESTOCK |
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Livestock are domesticated animals intentionally reared in an agricultural setting to make produce such as food or fibre, or for their labour. Livestock include pigs, cattle, goats, deer, sheep, yaks and poultry. The type of livestock reared varies worldwide and depends on factors such as climate, consumer demand, native animals, local traditions, and land type.
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LUBRICATION |
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Lubrication occurs when opposing surfaces are completely separated by a lubricant film. The applied load is carried by pressure generated within the fluid, and frictional resistance to motion arises entirely from the shearing of the viscous fluid.
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MALPRACTICE, MEDICAL |
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The basic definition of medical malpractice is an act or omission by a health care provider which deviates from accepted standards of practice in the medical community and causes injury to the patient. The word malpractice has a connotation of greater culpability than negligence. In the United States and other countries, a specific medical malpractice law has developed. In English law, the issue of liability is a subset of professional negligence where, under the Bolam Test, a doctor will be liable unless shown to have acted in accordance with a reasonable body of medical opinion.
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MARKET RESEARCH |
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Market research is the process of systematic gathering, recording and analyzing of data about customers, competitors and the market. Market research can help create a business plan, launch a new product or service, fine tune existing products and services, expand into new markets etc. It can be used to determine which portion of the population will purchase the product/service, based on variables like age, gender, location and income level. It can be found out what market characteristics your target market has. With market research companies can learn more about current and potential customers.
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MEDICAL LIENS |
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As all healthcare providers know, patients do not always have the present financial ability to cover the cost of their medical bills. In cases involving injury to a patient through the negligence of another, healthcare professionals can employ medical liens to secure payment for their services. Medical liens can be created in two different ways: 1) by contract and 2) by operation of law. This article will briefly touch on contractual liens while focusing on the express statutory language which create liens through the operation of law.
Find MEDICAL LIENS experts and consultants for MEDICAL LIENS litigation support. Available to be MEDICAL LIENS expert witnesses and provide MEDICAL LIENS forensic consulting in MEDICAL LIENS litigation, in addition prepare MEDICAL LIENS expert witness reports for use in deposition and/or in-court trial testimony.
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MINERALS, OIL, GAS |
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Fuel oil is a fraction obtained from petroleum distillation, either as a distillate or a residue. Broadly speaking, fuel oil is any liquid petroleum product that is burned in a furnace for the generation of heat or used in an engine for the generation of power, except oils having a flash point of approximately 40 °C (about 100 °F) and oils burned in cotton or wool-wick burners. In this sense, diesel is a type of fuel oil. Fuel oil is made of long hydrocarbon chains, particularly alkanes, cycloalkanes and aromatics. Factually and in a stricter sense, the term fuel oil is used to indicate the heaviest commercial fuel that can be obtained from crude oil, heavier than gasoline and naphtha.
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MOTORCYCLE HELMETS |
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A motorcycle helmet is a type of protective headgear used by motorcycle riders. The primary goal of a motorcycle helmet is to protect the rider's head during impact, although many helmets provide additional conveniences, such as face shields, ear protection, intercom etc.
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MOTOR VEHICLE ACCIDENT MVA |
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Motor-vehicle collisions are damaging events involving road traffic, particularly automobiles. They can cause damage to vehicles, people or structures. Motor-vehicle collisions also called traffic collisions, auto accidents, road accidents, car accidents, personal injury collisions, motor vehicle acccidents, and (particularly by American radio traffic reporters) crashes kill an estimated 1.2 million people worldwide each year, and injure about forty times this number.
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OCCUPATIONAL MEDICINE |
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Occupational medicine is the branch of clinical medicine most active in the field of occupational health. Occupational health physicians work closely with the occupational health team which consists of Occupational Health Nursing Professional, Industrial Hygienists, Biostaticians, Public Health Specialists, and Biomedical Engineers (namely those specializing in Ergonomics). In the United States it is one of the three medical specialties (also including aerospace medicine and public health and general preventive medicine) encompassed by the American Board of Medical Specialties recognized specialty of preventive medicine. Its principal role is the provision of health advice to organisations and individuals to ensure that the highest standards of health and safety at work can be achieved and maintained. Occupational physicians must have a wide knowledge of clinical medicine and be competent in a number of important areas.
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PAINT |
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Paint is the general term for a family of products used to protect and add color to an object or surface by covering it with a pigmented coating. As a verb, painting is the application of paint. One who paints is called a painter.
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PARKS |
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A park is any of a number of geographic features. Originally, the term referred to an area maintained as open space where residences, industry and farming were not allowed, often originally so that nobility might have a place to hunt. These were known for instance, as deer parks (deer being originally a term meaning any wild animal). Many country houses in Britain and Ireland still have parks of this sort, which since the 18th century have often been carefully landscaped for aesthetic effect. They are usually a mixture of open grassland with scattered trees and sections of woodland, and are often enclosed by a high wall. The area immediately around the house is the garden. In some cases this will also feature sweeping lawns and scattered trees; the basic difference between a country house's park and its garden is that the park is grazed by animals, but they are excluded from the garden.
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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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PLASTICS |
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Plastic covers a range of synthetic or semisynthetic polymerization products. They are composed of organic condensation or addition polymers and may contain other substances to improve performance or economics. There are few natural polymers generally considered to be "plastics". Plastics can be formed into objects or films or fibers. Their name is derived from the fact that many are malleable, having the property of plasticity. Plastics are designed with immense variation in properties such as heat tolerance, hardness, resiliency and many others. Combined with this adaptability, the general uniformity of composition and light weight of plastics ensures their use in almost all industrial segments.
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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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POWER PLANTS |
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A fossil fuel power plant is an energy conversion center that combusts fossil fuels to produce electricity, designed on a large scale for continuous operation.
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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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REALTIME |
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An operation within a larger dynamic system is called a real-time operation if the combined reaction- and operation-time of a task is shorter than the maximum delay that is allowed, in view of circumstances outside the operation. The task must also occur before the system to be controlled becomes unstable. A real-time operation is not necessarily fast, as slow systems can allow slow real-time operations.
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SAFETY |
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Safety is the condition of being protected against physical, social, spiritual, financial, political, emotional, occupational, psychological or other types or consequences of failure, damage, error, accidents, harm or any other event. Protection involves here both causing and exposure. It can include physical protection or that of possessions. Safety is often in relation to some guarantee of a standard of insurance to the quality and unharmful function of a thing or organization. It is used in order to ensure that the thing or organization will do only what it is wanted to do.
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SEAT BELT / SAFETY BELT |
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A seat belt, sometimes called a safety belt, is a harness designed to hold the occupant of a car or other vehicle in place if a collision occurs. Seat belts are intended to reduce injuries by stopping the wearer from hitting hard interior elements of the vehicle or from being thrown from the vehicle. In cars seat belts also prevent rear-seat passengers from crashing into those in the front seats.
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SECURITY |
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Security is the condition of being protected against danger or loss. In the general sense, security is a concept similar to safety. The nuance between the two is an added emphasis on being protected from dangers that originate from outside. Individuals or actions that encroach upon the condition of protection are responsible for the breach of security.
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STATISTICS |
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Statistics is a mathematical science pertaining to collection, analysis, interpretation and presentation of data. It is applicable to a wide variety of academic disciplines from the physical and social sciences to the humanities, as well as to business, government, medicine and industry.
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SURVEYS / OPINION RESEARCH |
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Statistical surveys are used to collect quantitative information in many fields including political polling and government, health, social science and marketing research. A survey may focus on opinions or factual information depending on its purpose, but all surveys involve administering questions to individuals. When the questions are administered by a researcher, the survey is called a structured interview or a researcher administered survey. When the questions are
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TECHNOLOGY |
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Technology is a word with origins in the Greek "technologia" ("τεχνολογία") "techne", "τέχνη" ("craft") and "logia", "λογία" ("saying")." "Technology" is a broad term dealing with the use and knowledge of humanity's tools and crafts.
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TIRES |
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A tire (U.S. spelling) or tyre (UK spelling) is device covering the circumference of a wheel. It is an essential part of most ground vehicles and is used to dampen the oscillations caused by irregularities in the road surface, to protect the wheel from wear and tear as well as to provide a high-friction bond between the car and the road to improve acceleration and handling. Today most tires, especially those fitted to motor vehicles, are manufactured from synthetic rubber, however other materials such as steel may be used.
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TORT LAWSUITS |
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In the common law, a tort is a civil wrong, other than a breach of contract, for which the law provides a remedy. The origins of the modern law of torts lie in the old remedies of trespass and trespass on the case. The term itself comes from Law French and means, literally, "a wrong". In the French language, the phrase avoir tort translates to "to be wrong". The equivalent body of law in civil law legal systems is delict. A tort is a breach of a non-contractual duty potentially owed to the entire world, imposed by law. The majority of legal claims are brought in tort.
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TOYS |
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A toy is something to play with, for children, adults or both, or pets. They may be either the sole device used in an enjoyable activity or one of many. Toys have existed for thousands of years; dolls of infants, animals, or soldiers, and miniature representations of the tools of adults are readily found at archaeological sites.
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TRADE DRESS |
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Trade dress refers to characteristics of the visual appearance of a product or its packaging (or even the facade of a building such as a restaurant) that may be registered and protected from being used by competitors in the manner of a trademark. These characteristics can include the three-dimensional shape, graphic design, color, or even smell of a product and/or its packaging.
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TRAILER / TOWING |
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A Trailer is an unpowered vehicle pulled by a powered vehicle. Some non-American dialects distinguish a trailer (generally uncovered, used for goods and materials) from a caravan (travel trailer) (generally weather-resistant, used for human habitation).
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TRANSPORTATION |
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Transport or transportation is the movement of people and goods from one place to another.
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TRUCKING |
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A truck is a motor vehicle for transporting goods. The word "truck" comes from the Greek "trochos", meaning "wheel". In America, the big wheels of wagons were called trucks. When the petrol engine driven trucks came into fashion, these were called "motortrucks". Slowly the word motor in front of truck disappeared.
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VEHICLE - REPOSSESSIONS |
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When you finance or lease a car, truck or other vehicle, your creditor or lessor holds important rights on the vehicle until youve made the last loan payment or fully paid off your leasing obligation. These rights are established by the signed contract and by state law. For example, if your payments are late or you default on your contract in any way, your creditor or lessor may have the right to repossess your car. In many states, creditors or lessors can do this legally without going to court or warning you in advance, as long as they do not breach the peace. In addition, your creditor or lessor may be able to sell your contract to a third party, called an assignee, who may have the same rights and responsibilities as the original creditor or lessor.
However, some state laws limit the ways a creditor or lessor can repossess and sell a vehicle to reduce or eliminate your debt. If any rules are violated, the creditor or lessor may be required to pay you damages.
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VEHICULAR PURSUIT |
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High Speed Vehicluar Pursuit - Police Pursuit
Find VEHICULAR PURSUIT experts and consultants for VEHICULAR PURSUIT litigation support. Available to be VEHICULAR PURSUIT expert witnesses and provide VEHICULAR PURSUIT forensic consulting in VEHICULAR PURSUIT litigation, in addition prepare VEHICULAR PURSUIT expert witness reports for use in deposition and/or in-court trial testimony.
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VIBRATIONS - STRUCTURAL |
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Find VIBRATIONS - STRUCTURAL experts and consultants for VIBRATIONS - STRUCTURAL litigation support.
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VIDEO / AUDIO |
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Find VIDEO / AUDIO experts and consultants for VIDEO / AUDIO litigation support. Available to be VIDEO / AUDIO expert witnesses and provide VIDEO / AUDIO forensic consulting in VIDEO / AUDIO litigation, in addition prepare VIDEO / AUDIO expert witness reports for use in deposition and/or in-court trial testimony.
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