What Are The Available Medical Coverage In A Car Accident?

When you get injured in a car accident, it is likely that you will incur medical expenses. Without auto insurance, you could end up paying huge medical bills. According to the website of Zavodnick, Zavodnick & Lasky, LLC, some insurance companies include payment of medical expenses in the case of an accident. What will be covered will depend on the insurance company so make sure you know your insurance coverage.

Who is at-fault during an accident is important in order to determine who will be responsible for paying the medical bills. If you were deemed at fault, you will be the one who will shoulder both the medical and repair expenses. However, in states where the “no-fault” principle is in effect, you will be responsible for your own expenses and the same with the other driver. For this reason, your insurance premium should cover both you and the other driver.

Minimum Liability

Under all states, all drivers are required to carry minimum liability coverage. This will cover bodily injuries as well as property damage.

Uninsured/Underinsured Motorist Coverage

Although car insurance is required in all states, there are those who cannot afford to purchase one. If you were at fault and the other driver has no insurance or does not have enough insurance, uninsured/underinsured motorist coverage will help you shoulder the medical bills of the other driver.

Medical Payments Coverage

If you don’t live in a no-fault state where drivers are required to carry personal injury protection, medical payments coverage will help shoulder your medical costs as well as that of your passengers. It may also cover your family members who were involved in the accident. Even if you have health insurance, medical payments coverage can help pay your deductible.

Car accidents will not only involve repairs but also will involve medical expenses especially if you or your passengers as well as the other driver were injured. So make sure that your insurance premium will include coverage for medical expenses.

The Dangers Faced by Workers at Roadway Construction Worksites

Being too careful in the workplace to be safe from accidents and injury is often not enough, unless all others around you have the same level of care plus if your employer observes the federal mandate on providing all workers with a safe and healthy working environment.

In 2010, forty years after the Occupational Safety and Health Act (OSH Act) was signed into law by the US Congress, records show that both workplace fatality rates and occupational injury and illness rates have dropped by at least 65 percent each. Thus, from 38 worker deaths daily in 1970, in 2014 daily death rate went down to 12 per day (or 4380 annually). OSH Act is a federal law that is tasked to assure workers of a safe and healthy working environment. It performs this task by “setting and enforcing standards, and by providing training, outreach, education and assistance.” (https://www.osha.gov/law-regs.html)

Though all types of working environments have their own forms and types of dangers that can lead to accidents and injuries, occurrences of worker injuries is always higher in industrial working sites and, especially, at roadway construction worksites.

According to the Centers for Disease Control and Prevention, the average rates of fatal accidents in construction and maintenance work zones were: 778 from 1994 to 1999; 1060 from 2000 to 2006; and, 669 from 2007 to 2012. These accidents, which took the lives of so many pedestrian workers, were usually due to backing construction vehicles or due to motor vehicles plying the route where road construction is going on. The states that were identified to having the highest number of worker deaths in work zones were Texas, Florida, Illinois, Pennsylvania, California, Tennessee, Georgia, and Indiana.

According to a Dallas workplace injury attorney from the Benton law firm, “a company should be able to guarantee workplace safety and if not, should be responsible for any injuries which may occur to an employee.” This responsibility refers to compensating the victims for whatever damages, losses, pain and suffering they will go through due to the accidents and the injuries these will cause.

What Do ‘No-Fault’ Car Accidents Mean?

It is a legal requirement for an automobile to be insured in order for the driver to be allowed on the road. It is a safety precaution; after all, there needs to be some form of protection should a worst case scenario happen. As the adage old saying goes, it is better to be safe than sorry.

So what is a “no fault” car accident and what does it mean for the victim of a car accident?

Well, car accidents usually result into stressful situations regarding finances. A car accident lawyer would probably point out that, should there be injuries inflicted upon the survivor, there are certainly then medical expenses that need to be taken care of and not everyone may have the necessary savings in order to shoulder the hospital bills. Most people think that there must be a faulty driver or negligent party before they are allowed to receive compensation for the damages done due to the accident. As any car accident lawyer can tell you, the legal procedure in order to do that can be a long, complicated, and arduous one – and medical attention cannot wait that long.

That is where “no fault” car accident insurance comes in.

This is insurance that does not require for there to be a party that was at fault in order to provide the victim with necessary help for medical attention required after a car accident. While fault needs to be proven in order to compensate for bodily damage done unto the vehicle, the personal injury takes significant precedence over the car. Some states presently practice this policy state-wide but it can still be difficult to process on one’s own.

Types of Product Defects

When we look at a shelf full of products in a store, it is reasonable for us to assume that those products are safe to use. We often believe they have been tested thoroughly for safety and used the best materials. Unfortunately, all too often, this is not true. From cars to ice cream, the news of product recalls is a constant reminder that sometimes products can be unsafe. One of the causes of products being unsafe is product defects.

The first type of product defect is manufacturing defects. These are defects that occur during the making of the product. Some of the most common causes of manufacturing defects are use of improper materials, failure to properly train employees, and manufacturing negligence, according to the website of Crowe & Mulvey, LLP. A common example of this would be the Blue Bell ice cream recall as their products tested positive for listeria. Manufacturing defects differ from design defects as these are problems with the inherent design of the product. This means that design defects would make an entire line of products dangerous, even if the manufacturer followed product specifications perfectly. This would include a car in which the airbags fail to deploy when they need to. The last kind of defect refers to a problem in the way a product is advertised. If a company fails to warn against the dangers of a product or falsely claims it is safe, this is considered a marketing defect and can lead to the same dangerous consequences as manufacturing and design defects.

When companies fail to make safe products for consumers, the results can be devastating. Defective and unsafe products can lead to serious injuries and emotional trauma for individuals, as well as financial strains. Regardless of the type of defect, no one should have to wonder whether the product they are buying is safe or not.

Zofran: Medical Uses and Side Effects

The drug Zofran — generic name Ondansetron — was first developed by GlaxoSmithKline (GSK) in the 1980s and has become one of the most essential medications today. While it was originally intended to alleviate nausea and vomiting resulting from chemotherapy, radiation, and surgery, the drug has also been used for patients suffering symptoms from gastroenteritis and cyclical vomiting syndrome. In some cases, Zofran is also prescribed to women suffering from severe morning sickness.

Zofran is considered a serotonin receptor antagonist. It helps mitigate nausea and vomiting by inhibiting the production of serotonin 5-HT3, which is what triggers the parts of the brain controlling these symptoms. It is also highly soluble in lipids. This means the drug can diffuse rapidly in the body and quickly take effect.

While Zofran is typically prescribed to cancer or surgical patients, the drug is widely prescribed for different uses. As mentioned earlier, Zofran is also typically given to patients suffering from symptoms of nausea and vomiting caused by a variety of conditions. Either way, patients considering Zofran should take some necessary precautions due to the side effects it can cause. The drug typically causes mild headaches, dizziness, and constipation. However, it can also cause serious side effects such as fainting, chest pain, and an irregular heartbeat. Individuals known to be allergic to other serotonin inhibitor drugs could also experience rashes, itching and swell, as well as trouble breathing.

Several cases also point to the fact that taking Zofran during pregnancy could lead to birth defects. A recent news report from WFLA News Channel 8 details several lawsuits seeking damages for birth defects have been filed against the drug’s manufacturer. The website of the Zofran lawsuit attorneys at Williams Kherkher also notes that there is significant evidence supporting these devastating claims.

SXSW: Where Will You Be?

Limousine service in AustinIn 1987, Austin was not one of the top 20 major markets at the time – but even then, it had all the potential in the world to host something so awesome, so exciting that it will continue on for years to come. And not only did it continue – it also expanded beyond all expectations as the South by Southwest (SXSW) Festival for Film, Music, and Interactive now consists of tens of thousands of guests as well as some of the most respected names in the industry today as speakers and attendees.

It is a celebration of collaboration amongst experts and newer voices as it is the time for hundreds of premieres and dozens of live performances that are exposed to this new kind of audience. There are meet-ups that allow for enthusiasts to gather with one another, and what other event can boast such a harmonious collaboration of artists from different cultures, from all over the world?

This year, names such as Ryan Gosling will be showing off their work in attendance as well as so many others, all famed and acclaimed in their own respective fields. It is the perfect learning opportunity as well as the luxurious chance of a lifetime! Don’t you think that it would just be the best fun to be surrounded by people who all share a common love and enthusiasm for the same things that you love?

It is also one of Austin’s busiest weeks of the year, and for good reason. According to their website at www.cclaustin.com,  this is a season that is known for its near impossible traffic and that can put such a downer on your SXSW experience. That is why, in such an active area, it is recommended that you not withhold yourself comfort and allow yourself every luxury in order to get the very best out of such what is only designed and planned to be some of the greatest days of your life!

Aviation Accidents Prominent in 2014

The previous year has focused attention on the safety of air travel as one accident followed another in rapid succession, starting with the mysterious disappearance of Malaysia Airlines Flight 370 in March. All the other incidents were less mysterious but no less tragic. Between March and July, there were more than 700 fatalities, and people have gotten to wondering if 2014 is the worst year for global aviation. Tragically, it isn’t; not by a long shot.

Proportionally, far fewer people die in airplanes than cars, but then again, most people don’t travel by air on a daily basis. The fact is, air travel is generally safe, but it is far from foolproof. According to an article on the Pohl & Berk, LLP website just as many vehicular accidents are due to human error, a majority of aviation accidents are due to pilot error.

When the pilot makes a mistake that leads to the death of a loved one, it doesn’t necessarily mean that the pilot had been negligent. A pilot’s job is not easy, and sometimes they make mistakes because they are given incorrect information, the instruments malfunctioned or they simply miscalculated. In such cases, the pilot may not be held liable.

But if an accident happens because the pilot was incompetent, intoxicated, or indisposed, then this behavior may be considered negligence. The pilot can be held liable for the costs associated with an injury or death caused by the negligent act. If the pilot died in the incident, a civil action may be filed against the estate of the pilot, and perhaps the airline company as well. On the other hand, if the accident was due to a equipment failure or defect, then the manufacturer may be the one in hot water.

Aviation accidents are not as common as car accidents, but they are almost always fatal. This is the reason why pilots are held to such high standards. If you have suffered harm because of a negligent aviation accident, you need competent legal representation. Find an experienced aviation accident lawyer in your state to help you.

Workers’ Compensation – A Must for Certain Employers

The majority of workers who sustained work-related injuries suffered physically and financially due to the bodily harm, the temporary loss of the capability to earn an income (due to the injury) and the need to find ways to pay the costly medical treatment required to help them recover quickly. But due to lack of financial capability many chose to do without the treatment rather than serve nothing on the table for their family; this, however, only resulted to prolonged recovery period, making their financial situation worse.

The account above was a very common scenario among workers during the early part of the 20th century. With the US economy booming, construction and industrial jobs were offered everywhere and many companies went into a hiring spree, taking in even young, inexperienced workers who were neither trained nor given close supervision in the performance of a job totally new to them. The results were not surprising, of course: injuries here and there, with some even meeting fatal accidents.

Employers usually observed a hands-off policy in the event of injuries, though, leaving the injured worker to hurdle physical and financial difficulties all on his/her own. Thus, to merit any form of compensation, the injured worker had to file a lawsuit against his/her employer.

The results of most lawsuits, though, favored the employers, who used one or any combination of the following arguments:

  • Contributory Negligence –the injury was a result of the worker’s own act of negligence or recklessness
  • The Fellow Worker Rule – another worker’s negligent act was the cause of the accident and, thus, the injury; the employer had, whatsoever, nothing to do with it
  • Assumption of Risk – the nature of the job was dangerous and so the risk of sustaining injuries was always a possibility. Despite knowledge of the dangers, the injured worker still accepted the job

The federal government took action in 1908, remedying the economic predicament of workers by passing the workers’ compensation insurance benefit into law. This benefit was enforced on employers, who had three employees, at least, working for them. This workers’ compensation was aimed at providing immediate financial assistance to workers (without the need for litigation). It was designed to cover cost of medical treatment, lost wages, disability, rehabilitation and death. The employer’s or the company’s financial capability never mattered too as the benefit to be received by qualified applicants will be paid by insurance firms.

While the workers’ comp frees the employer from any legal obligations, the injured worker may have the right to pursue further legal action if the benefit is not actually offered by the employer, if there is clear proof that the accident was intended by the employer, or if the injury leads to death.

On its website, Wilson Injury Law explains the consequences of a work-related accident and the importance of workers’ compensation benefit to the injured worker and his/her family.

Microdermabrasion: A Quick, Affordable and Effective Way to Youthful, Smooth Skin

The production of collagen, a skin protein that makes the skin smooth and taut, like that of a child’s, declines as a person ages, resulting to uneven, looser skin. Cosmetic doctors and dermatologists, however, have found a way to make one’s complexion look healthier, more youthful and smoother again, through Microdermabrasion treatment, now a very popular non-invasive, skin resurfacing procedure.

Through the use of a minimally abrasive device that gently sands the skin to remove its thicker and uneven surface, Microdermabrasion treatment is able to exfoliate, remove the top layer of dead skin cells and stimulate collagen growth for a skin that looks refreshed and feels smooth. The treatment, as stated on the website of Bergman Folkers Plastic Surgery, can also reduce or remove enlarged pores, reduce stretch marks, treat acne and scars caused by acne, treat age spots, black heads and hyperpigmentation or areas with darkened skin, and reduce wrinkles and fine lines.

A microdermabrasion treatment may be performed either through the use of a hand-held instrument that streams tiny crystals across the skin or through the newer approach, which involves the use of a diamond-tipped wand. The former uses a vacuum that suctions dead or loosened skin and the exfoliating crystals into a machine, while the latter uses a wand that is gently moved across the skin, exfoliating it at the same time; both treatments take about 30 minutes.

During treatment the patient would feel a mild scratching while the dead skin cells (from the skin’s surface) are removed. Regardless of how severe the skin damage is and how many treatments a patient undergoes, the youthful look is always long lasting. Many clients, however, choose to go through two treatments per month (during the initial procedures) and then limit it to one treatment a month for maintenance purposes.

Microdermabrasion treatments do not require a recovery period despite the redness and swelling usually experienced by clients after the treatment as these last only for a few hours. Expect, however, for the skin to turn flaky and dry for several days. And since the skin will be more sensitive to sunlight, using sunscreen right after the treatment is highly recommended; the use of special moisturizers and/ or facial products, for prolonged results, will also be recommended by the microdermabrasion treatment expert.

While there are many other cosmetic procedures that can definitely make a person look simply astonishing, many around the world have turned to microdermabrasion treatment because it is fast, easy, without pain, proven effective, and so much more affordable.

Stunning Knights vs the World

knightWhen you leave your car with a valet, you are entrusting valuable assets to a total stranger. In most situations, this would be an incredibly off-putting idea, but when it comes to valets, most people are just fine with it.

However, most valets are not professional valets, but rather teenagers with temporary jobs. These people are typically eager to drive your fancy luxury vehicle, but may not necessarily be totally prepared to handle it responsibly. Unscrupulous valets actually try to see how much they can push a car in the short time and distance they are behind the wheel. Bumps, scratches, and outright accidents are not uncommon for many valet services.

The valets at SK Valet are not like that. We only take on valets who have clean driving records and are at least 21 years old. Remember, at Stunning Knight Valet, our charge is your car!

« Previous Entries