Most people don’t have extensive knowledge of the different types of car insurance available when they first start driving, and this can make choosing a plan that works for them difficult.
A lot of insurance companies require new drivers and car owners to have full coverage insurance, the most inclusive option when they purchase their first plan. Other types of insurance, like liability-only, only cover accidents caused by the holder of the insurance. Rental insurance covers cars rented by people who have liability covered through a private insurer; usually, the policy is a type of full coverage insurance for the rental car. Collision insurance only applies to cars involved in a collision. Comprehensive, or “other than collision” insurance covers damages caused by incidents other than a collision, such as attempted theft or an ‘Act of God’ like a hurricane or natural disaster. These insurance types are just a few of many; there are many other types of highly-specialized coverage plans available for interested parties. Most of these are highly dependent on who is at fault, whether that be the policyholder or the other party.
One type of insurance that does not rely on who is at fault is Personal Injury Protection, or PIP. Commonly referred to as “no-fault coverage,” this insurance will cover the policyholder, even if they were the party responsible for the damages. To a certain dollar amount, PIP covers the medical and/or funeral expenses of everyone involved. This means that the insured party, the other people in the vehicle at the time, and pedestrians (if they were struck by the vehicle) will all have some or all of their expenses paid for by the policy holder’s insurance. It also potentially covers lost wages that occur as a result of the collision, but pain and suffering are not covered by PIP. Personal Injury Protection isn’t available in every state. Many states have auto medical payments, or AMP coverage, as a substitute. However, AMP is not generally required in the states that it is offered in the same way that PIP is. A few states offer both types of coverage and they work together to best benefit the policyholder.
Only around twelve states currently have some form of mandatory PIP coverage available to drivers. Other states like South Carolina offer PIP yet don’t make it a mandatory form of coverage. For personal injuries caused by vehicular accidents, law firms like the Hammack Law Firm will fight insurance claims and seek damages on behalf of the injured. Personal injury lawyers can work as a substitute for PIP coverage for those without the policy.
Regardless of the policy you choose, it’s important to have a way to cover medical expenses and lost wages in the case of an emergency! If you find yourself struggling to pick a form of coverage, try to find a plan that offers a no-fault option. This can come in handy if you end up in a situation where other policies aren’t responsible for covering the collision.
How Golf Carts are Perceived
Many people view golf carts as a safe and relatively harmless motor vehicle. Golf carts typically travel no faster than 20-25 miles per hour and a license is not required to operate one. Out on the golf course, it is not uncommon to see parents letting children as young as nine years old steer or operate a golf cart.
How Golf Carts are Risky for Minors
The reality is that golf carts are much safer vehicles than cars with V8 engines. The trouble is that because golf carts are safer, parents tend to feel comfortable letting children operate them. It is difficult for a sober, full grown adult to injure themselves in a golf cart. However, teenagers and younger children are more likely to take risks and make rash decisions, and they do not have the driving experience to quickly respond to changing road conditions. These factors contribute to the injuries that children sustain while driving or riding in a golf cart.
Golf Cart Injury Statistics
The American Journal of Preventive Medicine reported that approximately 150,000 people were injured on a golf cart between 1990 and 2006. Of these 150,000 cases, children under 16 accounted for 50,000. These numbers are striking when you consider that adults operate golf carts at a much higher frequency than children.
Children are at Risk for More Serious Injuries
A recent study from Vanderbilt University looked at minors involved in golf cart accidents between 2008 and 2016. They found that 85% of the minors in a golf cart crash were between the ages of 5 and 14. Injuries occurred most commonly in the head and neck and approximately half of the incidents resulted in over $20,000 in medical expenses. Young children are still developing physically as well as mentally. They develop more serious injuries than adults when experiencing blunt trauma, especially in the head and neck region. Medical professionals have expressed that children involved in golf cart accidents run a serious risk of neurological injury.
A second aspect contributing to golf cart accidents is the risk-tolerant nature of teenagers. Most golf cart accidents are not high impact. When golf carts are operated by minors, accidents do not happen more frequently. However, the accidents that do occur result in injuries more frequently. Below we’ve listed the top ten causes for golf car accidents:
- Limbs hanging outside the cart
- Driving backward downhill
- Driving through uneven or muddy terrain at unsafe speeds
- Driving while intoxicated or under the influence
- Failing to lock the brake before exiting
- Overcrowding, passengers standing
- Racing, horseplay
- General inattentiveness
- Driving and texting, eating, etc.
- Sharp turns
These are the ten most common reasons that golf cart accidents occur. Number four is, hopefully, reserved for the adults. However, teenagers are generally more risk-tolerant than adults and they lack the experience behind the wheel that adults do. This means teens are more prone to partake in the behavior noted in the list.
Medical professionals agree that outreach with parents, golf clubs and local communities can help parents and minors understand the responsibility of operating a golf cart.
Golf Cart Injury Lawyers
While researching for this post, I came across a helpful website for people injured in a golf cart accident. Evans Moore Law has more information on South Carolina Golf Cart accidents and how to recover from these accidents with a lawyer’s help.
I heard an interesting idea the other day, and I had to write about it. There are so many thoughts racing through my mind; writing seems to be the only thing that helps. Anyways, I was trimming the oak tree on my front lawn when a guy rides by on his bicycle. I live in a bike-friendly area, so I didn’t think anything of it. Then he stops and turns to me. I noticed him out of the corner of my eye, but I didn’t acknowledge him right away. I just kept on trimming the tree.
He shouts over to me from the road, “You better be careful! That limb you’re cutting could fall on your head. I hope you have coverage for workers’ compensation.” And he proceeded to ride away down the street. I stopped what I was doing and took a step back. Sure enough, he was right. At the angle I was cutting into the limb, it could have quickly started to fall before I was done cutting it and dropped right onto my ladder, or worse, my head.
I wasn’t too far up; maybe ten feet or so. But who knows where my saw would have landed. If the branch had knocked me off of the ladder, I could have dropped the saw and cut myself pretty severely.
He didn’t stick around long enough for me to talk to him, so I shouted a quick, “Good call. Thanks.” It was crazy to me that a stranger’s random suggestion might have saved me a trip to the hospital with a nasty cut or a broken leg. That guy on the bike wasn’t around for very long, but his words have stuck with me. What if I needed help? If I had fallen and hurt myself, how long would it take for anyone to notice? This is the stuff that haunts me in my sleep now.
He mentioned workers’ compensation, and it got me thinking about the subject. I’ve never been injured at work or even considered the need for income if I was hurt to the point that I couldn’t clock-in. I started digging a little and found this interesting site. I had no idea that companies with a certain amount of employees are supposed to carry workers’ compensation coverage through an insurance company. That explains a lot. The other surprising thing I discovered is that companies have an incentive to avoid paying their injured workers through their insurance policy because their premiums will go up. I couldn’t believe it. Apparently, some companies try to save money by denying their employees coverage when it is needed most.
It may sound like a scary bedtime story, but it happens. Law firms are out there fighting the good fight and protecting their clients from unreasonable business practices. I’m glad that I avoided dropping a limb on myself, and I hope you’re safe out there too. You never know when an accident might happen, or the uphill battle you could be forced to overcome to recover.
There are so many advantages, and only a few disadvantages, to being a landscaper. To begin, let’s start with the advantages. I am one of the healthiest people that I, or anyone else that I am acquainted with, know, living and/or dead. I attribute my uber healthy mind and athlete’s body to always being outside, all day and every day. The fresh air is good for plants, animals, even humans. We were not meant to live indoors, but to be outside and one with nature as the Almighty intended for us to be.
Working outside builds character, just like my father always taught. My dad is the smartest man I know, or probably will ever know. As kids, we were always outside, even when it was hot enough to grill a steak on the driveway or cold enough to reenact the ice licking scene from A Christmas Story. This helped mold me into the perfect image of physical health that I am today. Unfortunately, as I become older, I’ve started to be a source of recommendations rather than the person for the job.
If you’re in Chicago, there is one team I cannot recommend more, and that is the Chicago Landscapers of Ware Landscaping.
Working outside builds both physical strength and a sense of mental endurance. It pains me that I cannot come to my friends and neighbor’s aid when they need the help of a passionate landscaper. Physical strength comes from knowing that I can still lift anything that I need to, and mental endurance comes from knowing that I can survive in any situation that life should throw my general direction. Unfortunately, landscaping is just such a time and effort consuming job that I cannot do it day in and day out anymore.
So I can keep maintenance up in my own yard, and I offer advice and support as I can for my neighbors, but I always turn to someone else now for the heavy lifting and long-term projects. I keep active with my dogs and my friends, but I can’t do any more than that and I’m happy to have retired. I’ve taken up planting as many non-invasive tropical plants as I can possibly fit in my garden, and watching them grow is like having children again. I love the nurturing role that those plants give me and I’m excited to show them off to my friends who come and visit me. I’m finding old age to be a quite pleasant experience, and I attribute it to my time spent as a landscaper and my current attempts to stay in shape.
Austin is one of the fastest growing cities in the nation due to its burgeoning tech scene, rich local history, relatively low cost of living compared to other major cities, an abundance of music festivals, a unique food scene, and so much more. With hundreds of new Austinites flooding the city every day, it makes sense to worry about whether local businesses will be able to keep up with all of the new demand for jobs. The unemployment rate in Texas is at an all-time low, but in the last few months Austin’s growth has been slowing down.
According to a recent article on the on the Austin American Statesman website, the unemployment rate in the Austin metro area has gone up for the first time since 2008. Interestingly, the article states the local unemployment rate has risen from 3.2% to 3.4% between August and September on account of people losing their jobs as opposed to new arrivals to the workforce according to data collected by the Texas Workforce Commission. In fact, they found that the labor force contracted by about .5% because companies are cutting back the number of jobs available. This is also the first time since 2000 that companies have cut back jobs to this degree. The two industries most responsible for this decline are the public sector, which cut back 2,100 jobs, and the tech industry, which cut 1,700. However, these were offset by an increase in education sector jobs and restaurant industry jobs. When looking at the entire year there is still overall growth, but it looks like it may be the slowest growth that Austin has experienced since the Great Recession.
Any time there is an article that claims the unemployment rate is increasing, it tends to cause people to panic. However, the numbers for Austin actually look excellent. An unemployment rate of 4% is typically considered to be full employment, and when unemployment dips below that companies will find it difficult to keep expanding and find workers to fill all of their positions. Some local employment agencies like WorkSTEPS in Austin can help companies find competent workers they know will be reliable, but when unemployment is this low, it will still be difficult to push for ever-increasing growth.
Because the city of Austin is still expected to experience overall job growth for the year, and because the unemployment rate is still incredibly low, there is little cause to worry that there will not be enough jobs to go around. Continuously expanding growth is never sustainable, so it is only natural that as Austin gets more popular and the cost of living rises that the rush of people into the area will slow down. A local Austinite will still try to convince you to move elsewhere, but this is definitely a city that will still continue to accommodate more residents as far as employment is concerned, even if the infrastructure cannot keep up.
Dogs are typically seen as man’s best friend. They are exceedingly loyal and loving creatures, and they make a great addition to any home. However, all owners are responsible for knowing their dog’s personality and training appropriate behaviors in any situation. Despite years of domestication, dog’s are still animals, with their own ability to make decisions and react rashly to any situation. It is essential that owners take the time necessary to fully understand their dog’s needs and to ensure that they protect their pet and nearby people from stressful situations that may lead to a serious dog bite. When owners neglect these duties, serious accidents can occur that can change a person’s life permanently. Just ask the parents of Kaydence Jakubowski, a 4-year old girl who was mauled by a large dog.
In July of 2017, Kaydence and her family were enjoying themselves at a party with good friends, when a large Akita got loose from its kennel and attacked the young girl. Both the family and the owners believe this to be an entirely unprovoked attack, but the dog is facing euthanasia as a result. Kaydence’s parents rushed her to a nearby hospital in Plains Township, Pennsylvania with significant facial and neck wounds. Although she was released that night with a few stitches and antibiotics, the injuries were far worse than the doctor’s originally realized. The next day Kaydence was unable to walk as a result of her injuries, and she was rushed to the Children’s Hospital of Philadelphia after suffering a stroke. Kaydence is still at CHOP in critical condition fighting a blood clot near her brain stem and a carotid artery aneurysm. As a result of this accident, the right side of her body is paralyzed, and there is a puncture in her vocal chords which may affect her ability to speak. The owner of the dog who attacked is immensely apologetic about the incident. Rather than undergo an investigation under Pennsylvania’s dangerous dog laws, he has decided to euthanize the animal and put the issue to rest.
No one should have to face the terrifying results of a serious dog bite, especially not the parents of a young child. In cases such as this, it is easy to label the dog the creature at fault and even possible to extend this label to a dog breed as a whole. However, we must remember that it is the owner who has the true responsibility for their dog’s actions. Whether it was an inadequate kennel or a lack of supervision that allowed this incident to happen, all of this could have been prevented if the owner took appropriate precautions with their dog.
Although nothing will fully heal a family after a tragedy such as this, at the very least, they can receive some financial assistance to manage the cost of medical bills and other long-term expenses.
According to the Centers for Disease Control and Prevention (CDC), from 2005-2014, the annual average of non-boating related fatal unintentional drownings in the U.S. was 3,536 (the yearly average of drowning in boating-related incidents for the same years was 332). Drowning, rather than traffic accidents, is the leading cause of accidental death among children below five years old. Swimming pools are the most common places of fatal unintentional drowning for children under five, while the most common places of drowning for adults older than 85 and children under age 1 are bath tubs and, for older children and younger adults, common places of drowning are rivers, lakes, oceans and other types of natural bodies of water.
There are many different factors that can cause drowning accidents (children and adults), but the ones most commonly cited are lack of pool barriers that would prevent children from gaining access to the pool area, failure to closely supervise children, lack of basic swimming skills, failure to wear a life jacket while boating, intoxication due to alcohol use, and seizure disorders.
Drowning, in the worst of circumstances, can result in the wrongful death of a loved one, leaving a family mourning. Even in situations where it does not result in fatality, a person who nearly drowns can suffer permanent disabilities due to the repercussions of drowning. This is because non-fatal drownings can cause injuries which are serious enough to alter a person’s life. One example of a non-fatal drowning injury is severe brain damage which can lead to long-term disabilities, like permanent loss of basic functioning (wherein a person ends up in a vegetative state), memory problems, or learning disabilities.
In public pools or resorts many fatal drowning accidents occur due to the fault of the person who owns or manages the resort. An owner’s or manager’s lack of initiative to have lifeguards, allow pool drains to remain uncovered, and allow the installation of poorly designed pool safety features are just a few of the factors that increase the risk of drowning accidents. A person whose action or lack of action leads to a drowning accident makes that person accountable for the harm suffered by a victim; he or she may also be held legally accountable and be required to compensate the victim (and his or her family) for whatever damages such victim has been made to suffer.
As explained by a Boston personal injury lawyer, due to their lack of experience and inherent physical vulnerabilities, children are much more prone than others to suffer serious injuries in the case of an accident. Whether in a car accident, on an unsafe premise, or from negligent supervision, the irresponsible actions of other people have the potential to cause great harm to children in particular.
Your child should not suffer from someone else’s negligent actions. Regardless of the injury, your family is entitled to legal action to help your child recover. Thus, if your child has sustained an injury through the fault of someone else, know that there will always be a legal team that can help you hold negligent supervisors, irresponsible drivers, or anyone else responsible for your child’s injury, financially accountable.
Impairment is the primary reason why drunk-driving is considered a major traffic offense. It makes a person less sober, resulting to slower reflexes. Besides this, impairment also affects a person’s judgment, perception, coordination, reaction time and general ability to focus on the road.
In 2013, as many as 1,171,935 individuals were arrested and charged with DUI in the U.S. In 2010, the number of arrests went as high as 1.4 million, based on records from the Centers for Disease Control and Prevention (CDC). With these huge figures it may be considered a relief that only a little above 10,000 die in car accidents due to alcohol impairment. Authorities attribute the reduction of alcohol-impaired drivers to stricter laws, the zeal of traffic enforcers in implementing these laws, and the efforts of private groups, such as the Mothers Against Drunk Drivers (MADD) which, since 1980, has helped in the passing of new DUI laws, like the Zero Tolerance law that prohibits those below 21 from having in their blood system any measurable amount of alcohol while driving, and the Administrative License Revocation (ALR) law, which authorizes an arresting officer to confiscate the license of drivers who refuse to take or fail a breath test.
In some states, the charge imputed on impaired or drunk drivers can be driving while intoxicated (DWI) or driving under the influence (DUI). However, in states where these acronyms are used separately, DWI refers to intoxication due to alcohol, while DUI refers to being under the influence either of alcohol or prohibited drugs.
In all US states, driving with a blood alcohol concentration (BAC) level of 0.08% or higher is a crime (the BAC limit for commercial drivers is 0.04%, while for those below the age of 21, it is zero tolerance, meaning they can be charged with DUI or DWI no matter how low the level of BAC in their blood is). First offenders are usually charged with a misdemeanor, granted that no one was injured or killed while driving under the influence. In such case killing or injuring someone, or if the BAC level was higher than 0.08% or if the offense were already the third or fourth violation, then the charge would be raised to something more serious: DWI felony or DUI felony.
In alcohol-impaired driving cases, drivers who are suspected of driving while intoxicated can be pulled over by police officers and asked to take a breath-screening test, also known as the Alco-Sensor test – the purpose of which is to determine the possible presence of alcohol in a driver’s breath. A positive result can lead to an arrest and once a driver has been taken to a precinct, he/she will be required to undergo a second test, which is a chemical test of his/her saliva, urine, blood and/or breath (using an instrument like the AlcoTest, Intoxilyzer, DataMaster or Breathalyzer) to determine his/her BAC level. Refusal or failure to submit to this second test can result to revocation or suspension of his/her license – this is based on administrative license suspension laws from his/her state’s Department of Motor Vehicles (DMV). (Submitting oneself to a chemical test, if suspected of driving while intoxicated, is one of the conditions of licensure as stipulated by the DMV. Thus, a license implies that a driver has implicitly consented to the chemical test that is required by DMV). Administrative license suspension laws are observed in the District of Columbia and in 41 other US states.
If convicted of DWI or DUI, a driver may also be required to have an ignition interlock device (IID) installed in his/her vehicle. The IID device is wired to a vehicle’s ignition; it will require the driver’s breath sample and will only enable the engine to start if no alcohol is detected in the driver’s breath. The device also requires periodic breath tests (while the vehicle is being driven) to make sure that the driver is continuously free from the influence of alcohol.
Furthermore, the court may require DUI or DWI offenders to fill out an SR-22 or Certificate of Financial Responsibility (CFR) form (also known as FR-44 in some states) to enable them to enjoy their driving privileges again (this is if their license has been suspended). This requirement usually lasts for three years and one effect of this is higher vehicle liability insurance premiums.
Camden DUI attorneys explain that “Many people, who are arrested for driving under the influence (DUI), often claim that they have only had a few drinks or that they are not intoxicated, despite what a breathalyzer may say. Unfortunately, these common excuses do not often hold up in a court of law.
Alcohol-related charges have serious consequences, and a conviction for such a crime can dramatically affect you for the rest of your life. Thus, if you have been charged with a DUI, it may be best to call a DUI defense attorney as soon as possible to start preparing a valid legal defense that will save you from further legal problems.”