Day: January 29, 2019

Car accidents in Louisiana continue to be on the rise,which is why it is important to know what to do if in one. Every state is a little bit different,and Louisiana has some unique laws. Not only are they an at-fault state,but they are also a comparative fault state. What does all this mean,and how can it complicate making an claim? Here is more on the two Louisiana injury laws to know.

An at-fault state means that a person who is injured can seek compensation from an individual without having to use their own personal insurance first. This is nice,because most find it to be more convenient. The insurance companies will figure things out,eventually seeking compensation if in fact a person decides to still use their personal insurance originally.

Every driver in Louisiana has to carry liability coverage to make it all work. Failure to do so can not only result in legal trouble,but might end up costing a person tens of thousands of dollars.

The other major Louisiana injury law is that the state can issue comparative fault after an accident. Not a lot of states do this,but it means that fault can be shared by two or more people. This comes into play when working on a settlement. Instead of getting everything paid for,there is a chance that only 50% or even less is paid for depending on the final verdict.

With complicated laws in the state,many people should consider a injury lawyer if something happens in Louisiana. It can end up saving some people thousands of dollars simply by knowing all the rules. Consider this a good option,especially if this is a first accident. No one wants to have to pay for something they aren’t responsible for.

The Fortiva Credit Card is a credit card designed for consumers with bad credit who are looking to repair their past credit issues. There are a number of credit card offers on the market for individuals with bad credit but this review focuses on the Fortiva Mastercard.

There are some good points about Fortiva and some bad points so you will want to weigh the odds before you make a decision to apply online at

Advantages of the Fortiva Credit Card

Most people with bad credit understand how hard it is to get accepted for a good credit card. They get denied a lot which also causes their credit score to decrease because of the hard inquiries. With the Fortiva Card the difficult application process is no longer an obstacle.

Fortiva accepts low credit scores and doesn’t require you to put down a security deposit. It’s an easy process that only takes a few minutes to apply and get approved.

Another advantage of applying for this card is your monthly payments are reported to the credit bureaus. This is the whole purpose of using the card is to show you’re responsible with using credit so your credit score will increase.

Disadvantages of the Fortiva Mastercard

Considering the card is easy to get accepted there are some drawbacks as well that you should be aware of. The first drawback is there are high fees associated with this card. Here is a breakdown of those fees:

The card has an annual fee and depending on your credit score your fee could be between $49 and $175 for the first year then each year afterwards up to $49.

There is also an annual maintenance fee after the first year which is between $60 to $159. This fee is billed monthly between $5 and $12.50 per month which may seem small but it adds up over a year.

There is a one-time $25 fee to open an account. When you consider all of these fees you can see why many consumers will look elsewhere for a credit card.