There are very good reasons why federal and state governments strictly implement traffic safety rules, and catch and heavily punish offenders. These reasons include: the more than five million car crashes on roads and highways every year; the more than two million injuries these result to; and and the more than 30,000 deaths.

The chairman of the International Organization for Road Accident Prevention said that road danger is nothing more than a man-made crisis; a result of bad driving behavior which often leads to human error – the cause of more than 90% of car accidents in any part of the world.

One hurting truth about car accidents, according to the National Highway Traffic Safety Administration (NHTSA), is the fact that majority of these are results of negligence or recklessness, making these totally preventable incidences. In fact, driver negligence accounts for a staggering 81% of all car crashes.

Though car crashes are sudden and short-lasting, their effects can be a lifetime of trauma and suffering for victims and their families. According to Providence car accident lawyers, the possible types of car crash injuries are many, including:

  • Traumatic brain injury (TBI)
  • Spinal cord injuries, including paraplegia and quadriplegia
  • Neck and back injuries, including sprains, strains, and
  • herniated discs
  • Burn injuries
  • Bone fractures
  • Torn ligaments
  • Facial injuries
  • Internal organ injuries
  • Internal bleeding
  • Lacerations
  • Psychological damage: anxiety, phobias, PTSD (post traumatic stress disorder)
  • Chronic pain: or,
  • Death

The 2008 National Motor Vehicle Crash Causation Survey (NMVCCS), a study conducted by the NHTSA, identified driver error as the major cause of car accidents from 2005 to 2007. The most commonly reported types of driver error, include: impaired or drunk driving; overspeeding; reckless driving; not stopping at intersections and stop signs; making improper lane changes; improper overtaking; not using signals before making turns; tailgating (especially a truck); texting or conversing with someone over the phone; and driving distractions or doing something that will take away one’s focus on the road.

Causing someone injuries, whether mild, serious or fatal, makes a person at fault liable for all the consequences such injuries will lead to. Compensating a victim does not only mean paying his/her medical treatment and hospital bills, but also replacing his/her lost wages and paying for his/her pain and suffering. In the event of death, however, the at fault may have to pay other damages, such as lost earnings and earning potential, expenses for household services the deceased can no longer perform, loss of affection, companionship, or marital consortium, and funeral expenses, among others.


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Any kind of unexpected illness or injury which renders you unable to work can lead to financial trouble for you and your family unless you have some source of cash that would replace even a certain percentage of your monthly work pay.

It is important that employees know the benefits package their employer has for them because these benefits will play a major role once any of them suffers an injury or illness that would render him/her unable to work for weeks, months or even years. Besides the Workers’ Compensation Insurance benefits, which states require of employers, other items in this package may include short and/or long term disability policy/ies.

Short term disability insurance, which is available only through your employer, provides coverage, but only for a limited amount of time (usually 30 to 120 days or one to four months; there may be policies, however, that indicate payment of benefits up to a year). There is also an elimination period or waiting period before you can start receiving your benefits, usually up to 14 days.

A short term disability policy indicates the maximum coverage amount you are entitled to receive and you will receive this amount until you recover or until you exceed the policy’s maximum coverage amount or specified time limit. This policy, by the way, pays out benefits for reasons which include a qualified disabling injury or a lingering illness or pregnancy and recovery from childbirth.

There are two things that can have major effects on your short-term disability benefits:

  • Your employment. The termination of your employment means the end of your coverage. This is because you cannot convert your short-term disability plan to an individual plan.
  • Amount of benefit. Benefits or income from other sources will reduce the amount of your short-term disability benefit. Three among these various sources include: Social Security retirement benefits; Social Security disability benefits; and, Workers’ Compensation benefits.

Currently, there are five states where employers are required to provide short-term disability insurance (SDI) benefits to their employees: California, Hawaii, New Jersey, New York and Rhode Island (rules on eligibility vary between states).

As explained in the website of the Hankey Law Office, if you suffer from disability while employed, you may be able to claim short term disability benefits provided by your employer. This will pay a percentage of your salary if you are unable to continue working. To find out if you are covered under a short term disability policy, you should speak with your firm’s human resource department. The human resource employee should be able to provide you with the application for short and long term disability insurance. You can file for claim as soon as your doctor tells you that your disability will last as long as the elimination period.


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The best way to protect your car during accidents is by purchasing a collision insurance policy. If ever your car gets damaged, this policy will provide you with the cash you need to afford repairs and buy replacement parts. If the accident is your fault, however, and you happen to injure someone, then the policy you need to carry is car liability insurance.

Collision insurance, which you may or may not purchase, is meant to protect your car; car liability insurance, however, which is meant to protect an innocent accident victim, you will need to have as it is mandated in all U.S. states, except in New Hampshire.

The car insurance law was first made compulsory by the states of Massachusetts and Connecticut in 1925. It was made compulsory to make sure that drivers, who caused accidents and injured people, did not default in paying their victims the compensation that they deserved. Today, when talking about car liability insurance, states require either the “tort” or fault insurance policy, or the “no-fault” insurance coverage.

The type of car insurance coverage that drivers will need to purchase depends on what is recognized in the state where they reside. In the 38 “tort” states, tort liability insurance is the coverage required; in the 12 no-fault states, what drivers need to carry is the no-fault car insurance.

In tort states, an accident victim is allowed to file a civil lawsuit against the at-fault driver for damages, which include cost of medical treatment and hospitalization, lost wages, pain and suffering. This is usually the case if the compensation paid to the victim by the at-fault driver’s insurance provider is below the amount to cover all damages. In “no-fault” states, though, compensation is paid by the respective insurance providers of the drivers involved in an accident – this is regardless of whose fault the accident was. No-fault insurance is required in Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota, and Utah (in the states of Pennsylvania, New Jersey and Kentucky, drivers have the option to carry either no-fault car insurance or tort car insurance).

Not all those who drive, however, carry car liability insurance due to the high cost of insurance premiums. According to Habush Habush & Rottier S.C. ®, an accident law firm, drivers can go online where they can browse insurance quotes and compare the best polices that will fall within their budget. Independent car insurance companies believe that drivers should not be made to pay an insurance premium that is much more that what they need to pay. Through these online quotes, they will be able to find the best and cheapest policy no matter what their driving history is.


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Negligence is the root cause of many accidents that result into wrongful death. Even something as simple as a second of miscalculation could cost people their lives. Unfortunately enough, there is little that people can do when they face the raven in the end, the way all people do. There is something they can do for the ones left behind, however, as financial compensation for wrongful death is something that can be sought out.

However, who would be to blame? This is difficult to point out and, in a time of grief, people may not be in the best and most sound state of mind to make decisions regarding situations like this. Take the main question at hand, for example. Can a truck accident result in wrongful death?

From a truck accident wrongful death can, indeed, occur as a truck does have a high potential for destruction and damage. If a car accident can cause wrongful death, truck accidents can also surely be capable of such wreckage.

Then who is to blame? Is it the driver or the trucking company? What if the driver was the one who was killed in the incident and the company hired them despite them being unqualified; does that not mean the company was negligent and it result in the death of someone? There are so many variables and there are no two cases that are exactly the same.

Wrongful death cases are usually pursued by the surviving kin of the recently deceased in order to claim compensation for the loss. This is certainly not to capitalize on the death of the victim but, rather, because it is necessary. The victim of the incident could be the main income earner of the family and their entire family could be threatened without the victim’s support. It is necessary to give these people recompense for their loss in order to survive as losing a loved one is already difficult enough.


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Filing for Bankruptcy

Let us face it. Citizens are covered in debt nowadays for a multitude of purposes. Maybe it’s the virtually inevitable handbags of figuratively speaking or maybe delinquent charge card bills or possibly a second mortgage. There really are a number of distinct instances of fiscal dilemmas in the United States of America where in debt obligations are just hard to pay in a period, and occasionally, there are unfortunate situations.

And maybe, you aren’t exactly in circumstances of fiscal stability where you’re capable of making payments that add up to the debts you owe. There are several situations that all mean the same end. You could wind up losing everything which you have labored so hard for and that can imply adversity and plenty of trouble for your family and yourself. Fortunately, filing for bankruptcy may able to aid ease force.

The term ‘bankruptcy’ itself has received fairly the popularity that was ill due to its negative connotation. As stated on the website of Ryan J. Ruehle Attorney at Law, LLC, the common Joe might bring up pictures of absolute disappointment when thinking of bankruptcy, when that is really not true in the slightest. Sometimes, it is filing for bankruptcy that allows for some individuals to pay each of their debts off entirely!

There are two typical kinds of bankruptcy circumstances that a person may file for – Chapter 7 and Chapter 13. Both businesses and individuals are likely to declare bankruptcy and this kind of state may also enable the liquidation. A means test is, however, required by filing for Chapter 7 bankruptcy if you are eligible to submit the state in order to ascertain. Chapter 13 is bankruptcy is more advisable for individuals who have financial resources, although you will find lots of advantages to it, yet.

Fiscal issues are commonly complex transactions, given that it is a business that relates to something that might change the entire lives of the people included.


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