Tips to Avoid Motorcycle Accidents

Posted by on Jun 11, 2018 in Motorcycles, Vehicle Accidents | 0 comments

No motorcyclist gets on their bike and expects to have an accident, and there is nothing you can do to fully prepare yourself to deal with the consequences of a motor vehicle wreck. Accidents are especially dangerous for motorcyclists because they are completely exposed to other drivers. There are many popular styles of riding, but some of them can be dangerous. The best thing you can do is try to avoid motorcycle accidents to the best of your ability and stay safe on the road by following these few tips:

Always Use a Helmet

Research has repeatedly shown that helmets protect riders from suffering serious head injuries and they reduce the chances of dying in an accident. Yet, some riders prefer not to use a helmet because it doesn’t look cool, it messes up their hair, or they don’t have one. Do yourself and your loved ones a favor and always wear a helmet.

Use Protective Clothing

There are a variety of ways that motorcyclists can get thrown off their bikes, such as a distracted driver rear-ending your stopped bike at a red light. In the unfortunate event that a motorcycle accident does occur, you need to be as protected as possible, and you should wear clothing that was specifically designed to protect riders from hitting the pavement. The best combination is wearing long pants, a full-face helmet, and a shirt that can withstand road friction. Reflective gear helps you stand out to other drivers on the road.

Don’t Skip Maintenance

It is a critical factor that sometimes gets overlooked, but you need to be certain that you can trust your motorcycle to perform while you are riding it. The oil needs to be changed so your engine will keep running, and you should regularly check signal lights to ensure that they still operate. Headlights, brake lights, and turn signals all help signal your intentions to other drivers and are a great way to avoid collisions. Tires are another aspect of motorcycle maintenance that keeps your bike grounded and you should be certain that there is enough tread on the tire before you drive off.

Ride Defensively

You should assume that other drivers don’t see you and use extreme caution while riding. Lane splitting is a dangerous activity, and it may save you time, but you are at a greater risk of being hit by an unsuspecting vehicle. If you do decide to split lanes, keep your speeds reasonably low so you have enough reaction time to avoid a collision.

Understand Your Limits

Knowing yourself and your ability is the greatest step towards avoiding an accident that motorcyclists can take. If something seems risky, then don’t do it. There are lots of options for intermediate and advanced motorcyclists to take classes that focus on improving a rider’s skills. Your insurance provider might even give you a discount after you complete the course! It’s something that is definitely looking into because when you ride a motorcycle, the most important thing is safety.

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The Lasting Effects of Birth Defects Caused by a Negligent Doctor

Posted by on Sep 14, 2017 in Neglect | 0 comments

The birth of a baby is a wonderful thing. Bringing a new life into the world is one of the most thrilling things that a new parent can experience. Tragically, negligent doctors harm many newborns every year. For a new parent, a negligent doctor could cause a lifelong mental or physical disability for their new child. In cases like this, it’s possible to get justice through a medical malpractice lawsuit. These suits can secure a financial settlement that can cover the medical bills of the newborn, and most importantly ensure that the negligent doctor doesn’t get the chance to damage any other babies.

Medical malpractice can take a few forms when it comes to birth injuries. A doctor may fail to recognize issues with the pregnancy, use inappropriate medical devices, not notice the need for a cesarean, or simply not realize whether the baby in the womb is healthy or not before delivering it.

Despite the myriad potential for malpractice while delivering a child, it is still difficult to prove that a doctor committed malpractice in court, because of the distinction between birth injuries and birth defects. Many of the disabilities that are caused by negligent birth injuries are also the result of birth defects, caused by genetics or the actions of the mother while pregnant. For example, cerebral palsy can be caused by a doctor’s failure to get a baby adequate oxygen during delivery, but it can also be caused by a unpreventable genetic defect. A successful medical malpractice case must prove that it was the doctor that provided an unacceptable standard of care to the mother and child.

Regardless of the particular injury or defect that the baby sustained during birth, in order to have a successful medical malpractice case the parents must be able to prove negligence on behalf of the doctor. The single best way to prove this is with testimony from another doctor in the same field as the negligent one. An anesthesiologist or surgeon testifying that their peer provided an unacceptable standard of care is the most compelling argument that can be made in court. From there, it’s more simple to demonstrate that this failure to provide adequate care directly led to the birth injury. Both of these factors, negligence and cause, must be proved in order to win the suit.

If the legal team is able to prove that the doctor was responsible for the newborn’s birth injury, a settlement will be allotted to the baby. Since this settlement is intended to support the child throughout a disability-burdened childhood, it is often given in the form of a trust. Damages can be awarded for a wide range of losses not solely restricted to medical expenses. The negligent doctor could also be charged for emotional stress and future wages of the disabled child. While this cannot fix the injury, it can make it manageable, and ensure justice is done.

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The Length of Effectivity of a Long Term Disability Policy

Posted by on Jun 11, 2017 in Uncategorized | 0 comments

Work-related injuries, illnesses and fatal accidents continue to be a major concern for federal, state and local governments due to their high count despite the laws which mandate that all working environments should be kept healthy and safe for all employees.

Records from the U.S. Department of Labor’s Bureau of Labor Statistics reveal a little more than three million non-fatal workplace injuries and illnesses, and 4,405 deaths in 2013. Despite the substantial difference in the number of deaths compared to the latter part of the 20th century (about 14,000 job-related deaths every year), authorities from the Occupational Safety and Health Administration (OSHA) know that there is still so much to be done, considering the fact that accidents are almost always results of acts of negligence.

Every time a worker is harmed different issues are brought into the open, including employers’ compliance with workplace safety laws, and the severity of an injury and the effect this injury will have on the victim’s personal, professional and financial future.

Some accidents cause no more than minor scratches, while others are more serious, requiring days or weeks of bed rest. Some injuries are severe, however, causing long term disabilities (LTD) that render a worker unable to work for months or even years, taking away his/her capability to earn wages.

Good thing, some employers provide their employees with a long term disability (LTD) insurance policy as part of their comprehensive employee benefits package. This is to protect employees from losing any form of earnings during the long period when their injury or illness will keep them out of work.

The effectivity of a long term disability policy is usually up to 10 years or until the injured employee reaches the age of 65. An employee can start enjoying the benefits of his/her LTD policy after his/her short term disability insurance benefits, if he/she has one, have ended (the short term disability insurance benefits typically last between three to six months).

Most LTD insurance policies are designed to pay disabled employees about 50 – 70 percent of their salary. The benefits in employer-provide LTD policies, however, are subject to taxes, reducing further what the injured employee would receive. Due to this, there are employees who decide to purchase personal supplemental long term disability insurance; besides the higher pay, this is also tax exempt.

Often, despite employees’ eligibility to receive LTD benefits, many applications get denied or are awarded benefits that are below what the policy stipulates. Many insurance providers, obviously, are guilty of avoiding making payments, thus, they do all things possible to deny claims, delay assessment of applications or payment of claims, or pay much lower benefits.

According to the law firm Fields Disability, the usual scenario concerning insurance firms is they sell you a long-term disability policy and they make you the promise of covering you in the event of an illness, injury or mental condition – for the years you can’t work. However, when the time comes you actually need the promised benefits, they deny your long-term disability claim.

A skilled long-term disability attorney, however, knows how to make an insurance company keep its promise and pay the benefits you deserve. Thus, if your long-term disability benefits have been denied or discontinued, it may really be wise to have a skilled long-term disability attorney assist you in your application or appeal process.

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Distracted Driving, a Major Fault among Young Adult and Teen Drivers

Posted by on Mar 10, 2017 in Distracted Driving | 0 comments

In 2010, 5,419,000 motor vehicle traffic crashes were reported to the police; of these, 1,542,000 resulted to injuries, while 32,999, in death. The more than five million car accidents every year is very minimal compared to the estimated 16,000,000 that actually occur. Why this great disparity? The major reason is because majority of accidents never get reported, perhaps because no one got injured or because the damages were minor – requiring only simple repairs or parts replacement, thus settlement was easily reached by both at-fault and innocent driver who rather preferred to save themselves from the inconveniences resulting from filing legal complaints.

With regard to the most common causes of fatal car crashes, both the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council (NSC) agree on alcohol-impaired driving, speeding, not wearing of seatbelt and cell phone use. Despite the laws which ban the use of a cell phone while behind the wheel, and drivers’ understanding of the risks associated with distracted driving, thousands of drivers continue to commit mistakes or make bad decisions while driving; thousands still drive and text or converse with someone over their phone. Worse than these, though, many even commit the crazy mistake of taking selfies and then posting their photo in their social site as they try to keep an eye on the road.

Distracted driving is most common among young drivers. Studies and analyses of car crashes, in fact, show that about 11 teenagers die every day because of cell phone use while driving. Besides cell phone use, a few others in the almost endless list of driving distractions include: looking at a map for directions; adjusting a GPS or a radio; playing the car stereo at full volume; chatting with friends; taking, or having a picture taken; fixing a tie, grooming; drinking and eating; and, lighting a cigarette and smoking.

Paying full attention to the road and your surroundings is of utmost importance when you’re behind the wheel. A lapse in attention even for just a few seconds is an act of negligence that can result in a crash where people, other than you, can get injured; it can also most likely result to you being fully regretful but facing civil and criminal charges.

It is stated in the website of the Law Offices of Ronald J. Resmini, LTD, that “you can only control your own driving behavior; there is not much you can do to control what others do out there on the road. Careless, reckless, and negligent drivers abound. Some fail to keep their attention focused on the road and become distracted, while others get behind the wheel after consuming alcohol or drugs, disregard traffic laws, or run red lights and stop signs. Others drive too fast or too aggressively, or fail to adjust their driving for road or weather conditions. As a result, some unlucky Rhode Island drivers and their passengers, in spite of responsible, focused, and skillful driving, find their lives in turmoil, their bodies broken, and their finances in a shambles, all because of another’s wrongdoing.

The deaths and injuries caused by motor vehicle crashes are simply unacceptable. Most car accidents are preventable with responsible, diligent, and focused driving. By doing away with reckless, dangerous, and negligent driving behaviors, we can save lives and prevent injuries. One way to accomplish this is by holding these irresponsible drivers accountable for their actions and making them pay for the damage they cause.”

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Chances of a Fair Settlement from Insurance Companies After a Crash

Posted by on Oct 13, 2016 in Vehicle Accidents | 0 comments

Cars are today’s most common form of transportation, here in the U.S. and in the rest of the world. In 2013, the number of registered passenger cars in the U.S. was almost 129 million, while the total number of vehicles (passenger cars, motorcycles, trucks, buses, and other vehicles) was 255.8 million.

Increase in the number of passenger vehicles only means increased purchasing power of the American people – a sign of economic growth. These increases, however, also hints on the likelihood that the number of automobile crashes every year will remain to stay above five million and statistics on injuries and fatalities, more than two million and more than thirty thousand, respectively.

Each time an accident occurs, a victim naturally gets preoccupied with worries regarding the possible sources of money until he/she is able to get back on his/her feet. This is due to the unexpected situation he/she is thrown in: loss of income resulting from days off from work, cost of treatment medical treatment that needs to be settled and cost of property damage. It becomes worse if the accident were due to his/her fault as this will mean having to compensate injured victims (good if he/she resides in a no-fault state and carries a no-fault auto insurance coverage as this will mean compensation will be paid by his/her insurance provider, including compensation that will cover his/her own losses.

No-fault auto insurance coverage requires insurance companies to compensate their own policy holders even if they were the ones at fault in accidents. This is basically what makes the no-fault insurance coverage different from the tort or fault system, where auto insurance providers rather compensate the innocent accident victim and where the at-fault driver may be sued by the victim if the compensation paid by his/her insurance provider is not enough to cover the full amount of damages (suffered by the victim). Currently, the no-fault car liability insurance coverage is required in the states of Florida, Michigan, New York, Hawaii, Kansas, Massachusetts, Minnesota, North Dakota and Utah (though the states of New Jersey, Pennsylvania and Kentucky used to require drivers to carry a no-fault insurance coverage, they now allow drivers to choose which coverage they will carry: no-fault or tort insurance coverage).

According to an Indianapolis car accident lawyer, car accident victims in many states often find it very difficult to get a fair settlement from insurance companies after a crash. Regardless of their coverage or insurance policy, insurance companies are almost always reluctant to give them the full amount of money that they legally deserve. To make matters worse, some drivers have insufficient insurance to cover their liability; some others do not have coverage at all. In any of these situations, an experienced auto accident attorney may be the best and only hope victims have in recovering compensation.

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