Emery Law Office April 2019

WORLDS WITHIN PAGES

BOOKS TO ENGAGE THE WHOLE FAMILY

— savannahs, jungles, and oceans — and features the wildlife living there. It’s worth a read simply to appreciate the colorful depictions of each animal. This book was written by Nicola Davies and illustrated by Petr Horácek. FOR THE MIDDLE SCHOOLER: ‘THE NIGHT DIARY’ 12-year-old Nisha navigates her world after the partition of India creates the new country of Pakistan and her family is forced to leave their home. Her mother may be gone, but Nisha finds solace in writing nightly letters to her in her diary as she discovers what the future holds. Based on author Veera Hiranandani’s memories of her own family, this moving tale lets readers experience life through someone else’s eyes. FOR TEENS: ‘BRAZEN: REBEL LADIES WHO ROCKED THE WORLD’ While some might not think of comics as proper reading, Penelope Bagieu’s graphic novel forces reconsideration. Her clever, colorful artwork and engaging narrative take the reader through the biographies of 30 women, from Bette Davis and Mae Jemison to lesser-known but equally intriguing ladies like Giorgina Reid. All in all, this book provides a great way to get kids excited about history in an entertaining form.

Learning to read opens up a world of possibilities. When your child walks through the back of the wardrobe into Narnia with Lucy Pevensie or rides with Harry Potter on the train to Hogwarts, they connect to something beyond their own experiences. In the U.S., April 23 is World Book Day, and the date commemorates the deaths of legendary authors Cervantes, Shakespeare, and Garcilaso de la Vega, as well as the birth of author Vladimir Nabokov. World Book Day is the perfect time to sit down with your family and let yourself be transported to new worlds. So, here are three great stories to help you take young readers on brand-new adventures. FOR THE ELEMENTARY READER: ‘SONG OF THE WILD: A FIRST BOOK OF ANIMALS’ “Song of the Wild” makes a great read-aloud book for beginner readers because they can get lost in the beautiful artwork while you read the text. Written in prose and rhyming poems, this book showcases sprawling landscapes

UNDERHANDED TACTICS ADJUSTERS WILL USE TO POKE HOLES IN YOUR CLAIMS NO LAUGHING MATTER

The first place an adjuster may look to find errors in your claim is your Facebook page. Sounds crazy, right? It happens way more than you think because it’s surprisingly strong evidence. If you tell an adjuster you’re too injured to work but post photos of yourself lifting weights, the courts may see that as proof you’re exaggerating your injury. As such, it’s important to be mindful not only about what you post but also about how those posts can be perceived. Another common tactic is to ask you for a recorded statement. If this happens to you, you should politely decline. As friendly as the request may sound, the only goal of taking your statement is to use it against you. Speak to a lawyer before providing any information to an adjuster. The bottom line is that you should discuss your accident with an attorney before talking to an insurance adjuster. There’s too much at stake to risk hurting your claim for the sake of being friendly. You never know when a smiling adjuster has a knife hidden behind their back.

“They smiling in your face / All the time, they want to take your place,” Philly soul group The O’Jays sang in their classic “Back Stabbers.” If we were to adopt that lyric to be about insurance adjusters, it might go like this: They smiling in your face /All the time, they want to deny your claim. I’m not saying insurance adjusters take delight in denying claims or paying them out for pennies on the dollar. Most adjusters are well-meaning people just trying to do their jobs. Unfortunately, doing their job well often requires the use of shady tactics to poke holes in claims. Insurance companies lose money every time they pay out a claim. As businesses, they obviously don’t want to do that unless they have to. Whether or not you think this system is broken, we all have to live with it. When it comes to car accident claims, there’s a litany of dirty tricks adjusters will use to try and disprove the validity of your claim. People often fall prey to them unknowingly. To help save you from this unwanted fate, we want to share some of the strategies we’ve seen used against honest claimants.

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