Monday, August 03

Job Sikhala Tells Mnangagwa Enda Kugehena Ibvapo Hauzi Mwari

MDC national vice chairperson and Zengeza West legislator, Job Sikhala, who last week was acquitted of treason charges, is now worried about his personal security. The outspoken opposition MP told Nehanda Radio he was being tracked by “goons” from the Central Intelligence Organisation (CIO) ever since his acquittal last week.

Sikhala, who went to Karoi to represent a client, claimed dozens of security agents were present, thinking he was coming for Simbarashe Marumahoko, son of former minister Reuben Marumahoko.
“My dear friends, it is with sadness that I announce to you that my security situation is precarious and under danger. As I am writing this message we are passing in Norton at 19:39 hrs.

“I have been quiet since my acquittal on treason charges recently in Masvingo because I was attending to a serious client case at the Regional Magistrate Courts in Karoi.

“Dear colleagues, I went to Karoi on Monday after I was phoned that if I don’t present myself the trial was going without my presence. The accused is a solid MDC member Tonderai.

“I was persuaded by our strong MDC Provincial official Wilson Makanyaire that I must be a lawyer to our member,” Sikhala said.

Sikhala expressed his displeasure with Mnangagwa’s regime for failing to respect his private life.

“It is a commitment I accepted last year in September, as I was touched that this was a call to duty. The accused was given a last warning that if I don’t present myself on Monday.

“The Court was going to proceed with the trial as I have been giving excuses that I could not attend because on the first setdown of trial which was on the 28th of January which I was attending my treason trial in Masvingo. “I had to go Karoi without fail on Monday evening because our party member was under attack and under-siege. I went in the company of my security details and surreptitiously entered Karoi. On Tuesday morning I executed my mandate when the trial commenced. It went on without drama.

“The trial had to continue today (Wednesday) as I could not finish the cross examination yesterday. It resumed at 8:30 am. I arrived at the Court to find a massive deployment of a huge contingent of CIOs and military intelligence personnel.

“They were more than 50 at the Court. My security details including Wilson Makanyaire informed me of the situation. I told them to ask them what their mission was?

“I was briefed that they thought that I had come for Simbarashe Marumahoko’s, the son to Reuben Marumahoko’s, the former ZANU PF Minister whom I voluntarily represented my first day I arrived in Karoi last year when he was accused of having insulted Emmerson Mnangagwa who purports to be a the President of Zimbabwe.

“I felt challenged and gave him pro amico legal services. I applied for his bail pending trial which the State was opposing furiously. I was confronted by Ziyambi Ziyambi and Temba Mliswa’s sister Mary Mliswa who is the Provincial Minister for Mash West why I represented Marumahoko’s son to obtain bail ” Sikhala added.

The Zengeza West MP had to leave Karoi after being threatened by the heavy presence of the security agents in the small town.

“Today after finishing my cross examination of the complainant at 17:38 hrs my security details advised me to travel back to Harare as the security situation was untenable in Karoi. The full deployment at the Court and the stoking by the security agency throughout was hazardous.

“When we left Karoi, driven by Cllr Chiwanza of Ward 6 in Chitungwiza, two vehicles trailed us from Karoi. We drove fast until Murombedzi Growth Point. When Cllr Chiwanza realized the two vehicles were on our back he alerted me. I asked him to move.

“And he knows what I mean when I ask him to move. They also speeded, overtook Cllr Chiwanza and flagged down violently between the late dictator Robert Mugabe’s resting place and Norton. Cllr Chiwanza was violently flagged down to stop. He skidded past the idiots although I asked him to stop. I wanted to stop, come out and confront them to get exactly what they wanted.

“They became more daring when we were approaching Norton. They viciously pursued us but failed to thwart the speed of Cllr Chiwanza,” Sikhala said.

Sikhala blasted Mnangagwa for sending the security agents whom he claimed wanted to kill him.

“Let it be known. I am ready Emmerson Mnangagwa for your kill. Your haunting dogs are smaller than Zimbabwe. You can live in illusions. I am not afraid. Should I stop working for my family and the people of Zimbabwe because of your release of dogs against your opponents.

“Go to hell. You don’t own life. Neither do you own Zimbabwe. I dare you idiot. The day I will die, is the day my God would have allowed it to happen. You don’t own life Emmerson. That’s why I see you as a demented idiot. Your evil will never prosper over good.

“Dear friends. My life is under direct threat from evil men and women who are purporting to be running our country. Please if anything happens to me let it be known that Emmerson Mnangagwa is the first culprit. He has clueless dogs and reptiles. I am a lawyer, I will do my work all over the jurisdiction of Zimbabwe without fearing anyone. Go hang,” Sikhala said.

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Personal Injury Settlement: How Claims Are Valued and Negotiated

 

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Personal Injury Settlement: How Claims Are Valued and Negotiated

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Most personal injury cases settle before trial. But settlement value is not random.

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Insurance companies look at evidence, liability, medical treatment, lost wages, policy limits, injury severity, and legal risk. Injured people should understand what goes into a settlement before accepting an offer.

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A quick settlement may feel helpful, but it may not cover future medical care or long-term losses.

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What Is a Personal Injury Settlement?

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A settlement is an agreement to resolve a legal claim. The injured person usually receives compensation, and in exchange, signs a release giving up the right to pursue additional claims from the same incident.

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That release is serious. Once signed, the case is usually over.

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What Affects Settlement Value?

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1. Liability

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The stronger the evidence that the other party was at fault, the stronger the claim may be.

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Liability evidence may include:

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Police reports
rnPhotos
rnVideos
rnWitness statements
rnExpert analysis
rnCompany records
rnSafety violations

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2. Injury Severity

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More serious injuries often lead to higher damages.

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Examples include:

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Broken bones
rnSurgery
rnPermanent impairment
rnTraumatic brain injury
rnSpinal injury
rnSevere burns
rnLong-term disability

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3. Medical Bills

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Medical expenses are a major part of many claims.

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These may include:

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Emergency care
rnHospital bills
rnSurgery
rnPhysical therapy
rnMedication
rnSpecialist visits
rnFuture treatment
rnMedical equipment

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4. Lost Income

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If you missed work, lost overtime, used vacation time, or cannot return to the same job, wage losses matter.

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5. Pain and Suffering

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Pain and suffering may include physical pain, emotional distress, reduced quality of life, and loss of enjoyment.

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6. Insurance Coverage

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Even strong claims can be affected by available insurance limits.

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Why Insurance Companies Make Low Offers

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Insurance companies may offer less because they dispute:

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Fault
rnInjury severity
rnMedical necessity
rnTreatment length
rnPre-existing conditions
rnLost wage proof
rnFuture care needs
rnPain and suffering

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They may also hope you accept before knowing the full extent of your injuries.

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Should You Accept the First Settlement Offer?

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Usually, you should be careful.

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Before accepting, ask:

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Have I finished medical treatment?
rnDo I know my future medical needs?
rnHave lost wages been calculated?
rnAre all bills included?
rnDoes the offer cover pain and suffering?
rnWhat rights am I giving up?
rnAre there liens or medical bills to repay?

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A settlement should be reviewed carefully before signing.

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What Is a Demand Letter?

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A demand letter is a formal letter sent to the insurance company requesting settlement.

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It may include:

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Facts of the accident
rnLiability argument
rnMedical summary
rnMedical bills
rnLost wage calculation
rnPain and suffering explanation
rnSupporting documents
rnSettlement demand

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A strong demand letter is organized, evidence-based, and clear.

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How Long Does Settlement Take?

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Settlement timing depends on:

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Medical treatment length
rnInsurance investigation
rnLiability disputes
rnCase complexity
rnPolicy limits
rnNegotiation speed
rnWhether a lawsuit is filed
rnCourt schedule

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Cases with serious injuries often take longer because future damages must be evaluated.

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Medical Liens and Settlement

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Some medical providers, insurers, or government programs may have repayment rights from a settlement.

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Before spending settlement money, understand:

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Medical bills
rnHealth insurance liens
rnMedicare or Medicaid liens
rnWorkers’ compensation liens
rnAttorney fees
rnCase costs

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Final Thoughts

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A personal injury settlement should reflect the full impact of the injury, not just immediate bills.

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Before accepting any offer, make sure you understand your medical condition, future needs, lost income, liens, and legal rights.

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A personal injury lawyer can help evaluate whether a settlement offer is fair based on the evidence.

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Small Business Insurance Checklist: Coverage to Compare

Small business insurance is one of those expenses many owners do not think about until a contract, landlord, lender, or unexpected claim forces the conversation. The problem is that buying coverage in a rush can lead to gaps, duplicate policies, or limits that look affordable but do not match the real risk of the business. A better approach is to understand the major coverage types, compare quotes carefully, and ask the right questions before signing.

A good business insurance plan starts with general liability coverage. This is the policy many clients and property managers request first because it can help cover claims involving bodily injury, property damage, and certain advertising-related issues. For example, if a customer slips inside a store, or a contractor accidentally damages a client's property, general liability may help with legal defense costs and covered settlements. The exact protection depends on the policy language, limits, exclusions, and state rules.

Many businesses also need commercial property insurance. This can protect buildings, equipment, inventory, furniture, tools, signage, computers, and other business property against covered events. A home-based business should not assume a homeowners policy automatically protects business equipment or customer-related activity. If you work from home, ask the insurer how business property and business liability are handled.

A business owners policy, often called a BOP, can package general liability and property coverage into one policy. It is usually designed for smaller companies with standard risk profiles. A BOP can be convenient, but it is not always enough. Restaurants, contractors, transportation companies, medical offices, and technology providers may need extra endorsements or separate policies.

Professional liability insurance is important for businesses that give advice, provide technical services, design solutions, manage accounts, or deliver professional work where a mistake could cost the client money. This coverage is also called errors and omissions insurance. Consultants, IT providers, accountants, real estate professionals, marketing agencies, engineers, and financial professionals often review this coverage because general liability may not cover professional mistakes.

Workers compensation is another major area. If a business has employees, state law may require workers compensation coverage. It can help pay covered medical costs and lost wages when an employee is injured on the job. Even if your state rules are limited for very small businesses, clients may still require proof of coverage before allowing your team on site.

Cyber liability insurance has become more important because even small businesses store customer records, accept online payments, use email, and depend on cloud platforms. A cyber policy may help with incident response, legal costs, customer notification, data recovery, business interruption, ransomware response, and regulatory issues. Coverage varies widely, so ask what counts as a covered cyber event and whether social engineering, wire transfer fraud, and business email compromise are included.

Commercial auto insurance is necessary when vehicles are used for business. A personal auto policy may not cover business driving, especially deliveries, transporting equipment, or employee use. If employees use their own cars for company errands, ask about hired and non-owned auto coverage.