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.