Career problems and the risk of a traffic crash

There are many challenges people face, some of which increase their odds of becoming involved in an accident on the road. From health concerns to emotional hurdles such as stress and depression, various hardships in life make drivers more likely to become involved in an auto accident. In fact, many people are facing serious problems in their careers at this point in time, which often raises concerns on the road.

If you are facing problems at work or cannot find the position you want, make sure these struggles do not affect your driving abilities. Likewise, if you are struck by a driver facing these hardships or any other problem, do not let this deter you from standing up for your legal rights.

Job loss, hopelessness, stress and driving

Many people are out of work in recent months, which often leads to a sense of hopelessness, high levels of anxiety and even depression. All of these emotional disturbances have the potential to lead to other difficulties (such as excessive drinking and sleep loss) which further impede a driver’s abilities on the road.

Other career problems

There are also other ways in which one’s career can adversely affect their performance on the road. For example, some people work too hard, either physically or mentally, and this interferes with their driving abilities. Mental and physical fatigue causes many accidents and a lot of drivers often find themselves in a rush because of their career. It is pivotal for accident victims to firmly stand up for their rights and have a solid understanding of legal strategies to help them recover. Our website explores accident topics in more detail.

What should I do after a hit-and-run?

Any automobile accidents can be distressing, but it is important to understand how to handle a hit-and-run in particular. Hit-and-run accidents can be very emotionally taxing, particularly if you are sitting at the scene of the accident while the perpetrator is driving away.

Dealing with a hit-and-run situation is different than a run-of-the-mill fender-bender. According to State Farm Insurance, it is important to stay at the scene of the hit-and-run accident and not chase after the culprit.

Why should I not go after the culprit?

It is unlikely that there are no eyewitnesses to the hit-and-run accident. If the eyewitnesses see both cars driving off after an accident, they will not know who the perpetrator actually is. Plus, if anybody sustains injury as a result of the accident, it is important for you to call 911.

If nobody has injuries, your first action should be to call the police to file a report. Filing a police report can help lead to the capture of the culprit, and may be necessary for insurance purposes.

Should I talk to eyewitnesses?

Absolutely. Having multiple people back up your version of events is a good idea from a legal and insurance perspective. Additionally, since most people have smartphones this means that an eyewitness may have taken video or a photo of the culprit. It is also possible that an eyewitness was able to take down the license plate number of the perpetrator.

It is also a good idea to document the scene of the crime yourself. Make sure to take photos of any damage to either your vehicle or surrounding property. You can also record eyewitnesses giving you accounts.

Workers’ Comp: What Is Third-Party Liability?

In Ohio, as in most other states, the workers’ compensation system is a compromise between employers and workers. By design, injured workers are entitled to receive compensation for their workplace injuries without having to file a lawsuit or prove fault. Conversely, employers are protected from employee lawsuits in exchange for providing workers’ compensation insurance coverage.

The latter concept is known as the “exclusive remedy” provision. Because workers’ compensation is available, injured employees must rely on it as the exclusive remedy for their injuries and are barred from suing their employer. That being said, some workers who are injured on the job have an additional option for compensation: a third-party liability claim.

The exclusive remedy provision bars you from suing your own employer (or others who work for the company) for workplace injuries. But if your on-the-job injuries were caused or exacerbated by a negligent third party, you can sue that third party for damages in addition to seeking workers’ compensation benefits.

Examples of Third-Party Claims

Here are some scenarios that could lead to a third-party liability claim:

Example 1: You are a commercial driver driving an airport shuttle for a hotel. While working one day, you are struck by a drunk driver and severely injured. You could sue the drunk driver for negligence.

Example 2: You work in an office, and the office is cleaned by an independent company contracted by your employer. After mopping the bathroom floor one day, a janitor for the cleaning company leaves the floor wet and does not post a “wet floor” warning sign. You slip and fall in the bathroom, leading to a traumatic brain injury. The cleaning company could potentially be sued for negligence because they are an independent third party.

Example 3: You work on a construction site, and the project you are working on requires the use of a tower crane. The crane is owned and serviced by an independent company, and it was constructed on site by the company. One day, the crane collapses, seriously injuring you and several others. You can likely hold the crane company liable for your injuries.

Pursuing Benefits and Damages

Workers’ compensation is an important benefit, but it may not completely cover the costs of your injuries, lost wages and other financial losses. But if your injuries were caused by a negligent third party, you can file a lawsuit against that party while also collecting workers’ compensation benefits.

In both cases, it can be very helpful to work with an experienced personal injury and workers’ compensation attorney like those at our firm.

Long-term effects of a spinal cord injury

Back and spine injuries can be devastating. Whether you suffer an injury on the job, in a car wreck or by the actions of a negligent property owner, it may help you to know the various ways in which a spinal cord injury (SCI) can affect your life in the long-term.

You may find that the impairments to your life are beyond significant. Such impairments include:

  • Cardiovascular problems: It is not uncommon for problems like orthostatic hypotension, cardiac atrophy and other heart and blood-related complications to arise in SCI victims.
  • Chronic pain: Chronic pain like what you may experience from an SCI can seriously affect your overall quality of life. The majority of SCI victims suffer from some form of chronic pain.
  • Bladder and bowel dysfunction: Functionality on the bladder and bowl level is dictated by the central nervous system. SCIs can disrupt the nerves on which the bladder and bowel rely to function correctly. Dysfunction in the urinary or bowel systems may require regular therapy.
  • Respiratory issues: SCIs can affect your respiratory muscles and cause ineffective coughs, chest and lung wall compliance issues and create a higher demand of oxygen needs in breathing.

Additionally, these impairments have the potential to cause psychological stress and issues with general social well-being. Other potential effects of an SCI include:

  • Sexual functionality, fertility and sensitivity
  • General loss of sensation or change in sensation
  • Problems with everyday movement and coordination

It is vital that you see a doctor after a serious accident, even if you are only experiencing minor effects from an SCI; some issues may take time to develop.

How can I keep my pool safe in summer?

Drownings and other pool-related accidents take many lives each year. As the owner, it is up to you to institute rules about the use of your pool to help prevent such accidents. 

The U.S. Consumer Product Safety Commission suggests that if you have children who will swim in the pool that you make sure they know how to swim. You can ensure your own children take lessons and suggest to other parents to teach their children to swim as well. Having these skills makes a child more at ease in the water and more aware of risky behaviors. 

Put barriers in place 

You should make sure nobody can get into your pool without your knowledge. To do this, install a fence around the pool area with a locking gate. Also, use pool alarms so that you know the minute someone breaks the water’s surface. 

Always have an adult supervising 

Make a strict rule that children are to never be in the pool without an adult outside. Set severe consequences for those who break the rule. It is much better for a child to suffer a punishment than an injury because he or she did not follow the rules. 

Check your drain covers 

Drains can suck in hair, clothing and even limbs, holding a person under the water and making it impossible to escape. Make sure that your drain covers are in good condition and work properly. Also, warn swimmers about where the drains are and to stay away from them. You can also install safety covers that help keep swimmers from getting too close. 

Why you should have UM/UIM insurance coverage

A car accident can change your life in an instant. Not only could you lose your vehicle, but you could also suffer injuries that stay with you for years to come. You may assume your auto insurance has you covered. That is why you bought it, after all. Right? Maybe, but maybe not. When someone else causes the accident, you must rely on their insurance to cover you. Here are a few things you should know about Ohio insurance coverage and why you should have uninsured and underinsured motorist (UM/UIM) coverage.

Minimum coverage

In Ohio, your insurance must cover $25,000 for one person in bodily injury coverage per accident and $50,000 for multiple people in one accident. When you consider how expensive health care is today, you can see how quickly that money would be used up in a serious accident. Many people choose the cheapest option available. This means that when someone causes an accident, there is a good chance they will only have this minimum coverage.

Uninsured drivers

Even though Ohio law requires all drivers to have insurance coverage, not everyone does. The Insurance Information Institute stated that in 2015, 12.4% of Ohio drivers were uninsured. When one of those drivers causes an accident, that leaves an injured victim with no insurance coverage at all from the negligent driver. That is where your own insurance can help you.

UM/UIM Coverage

You can prevent both of these scenarios by purchasing uninsured and underinsured motorist coverage as part of your own insurance. Insurance companies must offer you this coverage in Ohio, but the law does not require you to purchase it. The uninsured motorist coverage will cover your expenses if an uninsured driver hits you. The underinsured motorist coverage will kick in to cover any expenses you have above the other driver’s minimum $25,000 coverage.

You rely on your auto insurance to take care of you if you cause an accident. Consider adding UM/UIM coverage so your insurance can take care of you even if you didn’t cause the accident. You and your passengers deserve coverage for all of your medical care, no matter how long your recovery takes.