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Car Accident Rate Drops in 2010

by lawfirmdirectory.org on 02/08/2012 - 10:51 pm
Category: Personal Injury Lawyer

Car accidents account for more than thousands of deaths and millions of injuries each year. In spite of the presence of serious legal consequences, millions of drivers still commit the same mistakes over and over again causing deaths to thousands of innocent citizens. The good news is that according to statistics, car accidents resulting to death is continuously declining by 3 percent every year. From 33, 808 in 2009, the number went down to 32,788 in 2010. The two major causes of accidents in the United States, according to National Highway Traffic Administration, are distracted driving and drunk driving, and speeding.

Fatalities Cause by Drunk Driving Statistics
Drunk driving used to be the primary cause of car accident fatalities, but it is steadily declining. Since drinking may impair your senses, drivers tend to react slowly and find it harder coordinate their body movements to prevent collisions. The good thing is that more and more drivers are taking DUI cases seriously, which has apparently reduced the rate of fatalities caused by drunk driving. Even though in 2010, drunk driving has recorded 32 percent of the total car collisions resulting to injuries and fatalities, the number of casualties caused by drunk driving has dropped down by 49 percent since 1982. This rate is not enough to fight against untimely death but it is a good start. Thanks to the national campaigns against drunk driving,  and other measures, road fatalities have significantly reduced.


Fatalities Caused by Distracted Driving

Distracted driving is now the number one cause of car accidents in the United States. Although the overall fatality rate of car collisions has declined, the number of drivers who engage in distracted driving activities is still on the rise. This is in line with the surge in technology. Distracted driving includes everything from texting ,to putting on make-up, and fumbling around a purse or bag, while behind the wheel. And we can’t forget tweeting, talking on the phone, and finding that song on your iPod!

According to NHTSA data, 28 percent of car accident fatalities are directly linked to distracted driving.

Reducing the of Death Rate

The fatality rate hasn’t been this low since 1949. On the contrary, the most people killed in car accidents was recorded in 1972, with more than 54,000 fatalities.

 
There are a number of ways that people can start reducing the death rate associated with car accidents. Luckily, car manufacturers have helped by making safer vehicles equipped with air bags and overall safety features. A lot of these cars have roll-over prevention and other new safety features. There have also been a surge of cop-shows and safe driving campaigns to discourage people from drunk driving and other negligent behavior.


There are also proactive measures being taken to decrease road fatalities. Judges are putting harsh fees and penalties on drunk drivers, while lawmakers continue to create legislation to keep them and other unsafe drivers, off the road.

Officials with the US Department of Traffic and Safety Administration also link the decline to the economic recession. As more and more people lost their jobs, there was less money pumped gas tanks of cars across the roads. Officials say this could mean fewer people were involved in fatal car collisions, since there were fewer cars on the road.

Overall, transportation officials are optimistic that drivers will continue the downward trend. The key is informing more and more people about ways to reduce unsafe driving habits. Education campaigns have been effective, but it will fall on the next generation of drivers to continue the trend of safer roads.



Online Traffic Accident base – Accide...

by lawfirmdirectory.org on 02/08/2012 - 10:38 pm
Category: Personal Injury Lawyer

If you have been involved in an accident and are looking for an online resource that provides information about all aspects of traffic accidents, then Accident Resource is the site for you. It is a free-to-use online traffic accident base. This site is a companion site to the Accident Reconstruction Network and has a lot of useful information.

Accident Resource covers a variety of accidents, including auto, motorcycle, bicycle, pedestrian, commercial vehicle, etc. The type of information provided includes information about the steps you can take if you ever become a part of an accident and about what you can do at the scene of the incident. Accident Resource also has a database of professionals who can assist you post-accident. In the databases, you can find information about personal injury lawyers, insurance companies, police departments, chiropractors, reconstruction experts, as well as repair shops.

The site also has a section that contains information about state laws and automotive safety. You can also find information about vehicle defects and recalls and current traffic accident news.

Professional Directories

The information is divided into four directories in the professional directories section of this online traffic accident base.

Chiropractor: You can use this directory for finding a chiropractor in your area. If you have suffered from and injury as a result of the traffic accident, you should consult a qualified doctor for injury evaluation. Leaving the body to heal itself can result in more damage.

 Personal Injury Lawyer: A legal expert who deals with personal injury cases can inform you about the practical and legal side of the accident and help you with filing an auto accident claim. By consulting an attorney, you will get an idea of what actions you can take regarding the accident and whether or not there is a need to hire an accident reconstruction expert.

 Accident Reconstruction Expert: This Accident Resource directory provides information about experts in the field of traffic accident reconstruction and investigation. The directory contains experts in forensics, engineering, biomechanics, etc. An accident reconstruction expert utilizes the physical evidence present for determining what caused the accident.

 Police Department Directory: If the police were able to come at the scene of your accident, then chances are they made a report about the incident. If you need answers to any questions about the collected information or recorded statements, or if you need a copy of the prepared report, you will have to get in contact with the relevant police dept.’s traffic division.

The News Section

In the news section of the site, you can find news articles, traffic condition reports and traffic accident reports. 

The Research Section

The research section contains info about state traffic laws, state traffic safety (2003), safety restraints, crash testing, recalls and defects, cell phones and distracted driving, etc. There are also the following research sections: medical research, legal research and insurance research. As you can tell, it covers an extensive range of topics that have to deal with collisions.

Accident resource is a very useful online traffic accident base for people who are involved in traffic accidents and want medical info, insurance info, legal info and/or expert witness info. It also offers a lot of other useful information.

Sometimes people find it very overwhelming to be involved in a car accident. That is why it is important that people learn about the resources that are available to them. There are a number of resourceful traffic accident databases available. Whether you're an attorney representing a client or your just curious about accident information, these tools can be very helpful.



Common causes of commercial truck acc...

by lawfirmdirectory.org on 02/06/2012 - 07:51 pm
Category: Personal Injury Lawyer

Most commercial truck accidents are caused by negligence and the absence of concern for the driver’s own safety and the safety of others who use the roads. Negligence can also manifest in different forms depending on individual circumstances. In recent times, America has witnessed a marginal drop in deaths caused by road accidents. But, death from commercial truck accidents has been on the rise. Backing up without adequate precautions and driver fatigue are among the common causes of commercial truck accidents.  Topping all these causes is the menace of mobile phones.

Careless use of mobile phones identified as a major cause

It is indeed true that mobile phones have created a communication revolution not just in the United States of America, but across the world. With the help of this technology you have the ability to speak to your loved ones even when you are cruising at 100mph on the expressway. But, using the mobile phone when you are behind the wheels of a commercial truck or for that reason any automobile can potentially endanger your own life as well as the life of other road users. While the law prohibits this madness, the introduction of hands free technology has taken away much of the effectiveness from this legal provision. Therefore, the commercial truck drivers use their mobile phones throwing caution to the winds and more so, because they know they can beat the law. This menace is growing at an alarming pace across the globe and driver education coupled with more stringent punishment to the guilty is one way to bring down the increasing rate of commercial truck accidents. Unfortunately, the hands free devices cannot reduce the risk of accidents when you are driving any automobile. To safeguard your own life and the life of others, you are required to focus your entire attention on the road while driving. Notice that even a drugged driver or an alcoholic has at least a partial focus on the road. This puts the negligence of the commercial driver on top of the drugged driver or the alcoholic driver. While the law does its part to bring to book the erring commercial truck drivers, an increased social awareness of the problem and more stringent punishments should help contain this malady. The social media can also contribute significantly in bringing about a paradigm shift in the attitude of commercial truck drivers.

The backing up process

Next to the mobile phones, the backing up process has been identified as a major cause of commercial truck accidents. Generally, the backing up process of automobiles is slower compared to a forward moving vehicle. Being so, accidents ought to be fewer during the process of backing up. Audible warnings and spotters are fitted on almost every commercial truck to further reduce the chances of an accident. But, if the gadgets are not in working order, precious lives can be lost due to the negligence of the commercial truck driver.

Driver fatigue

Commercial trucks have the compulsion to obtain the best turnaround possible. Productivity from the commercial truck is linked to the speed with which each consignment is delivered. This mounts intense pressure on the drivers on an ongoing basis. A fatigued driver behind the wheels of a commercial truck or for that reason, any automobile is a huge risk for other road users.



Injured In a Car Accident

by lawfirmdirectory.org on 02/06/2012 - 07:48 pm
Category: Personal Injury Lawyer

About a third of car accidents in the U.S. result in physical injuries. It can be very difficult to stay focused and remember what to do when an accident has occurred and you have been injured. Try to keep track of what is happening and if not too seriously hurt, follow these tips.

• Check On Who Is Injured

The first priority during such an accident is not to exchange insurance details but to aid the injured. If your injuries are obvious to everyone at the accident scene, or you are incapacitated, you can expect the bystanders or other parties to the accident to try and assist you as they call on emergency services to take you to hospital. If however the accident has occurred in an isolated place and the other vehicle’s occupant is also in bad shape, then you’ll need to try and help yourself. Try and assess the extent of your injuries and remove yourself from the vehicle if you can.

If you’re bleeding or your vision is blurred, do this slowly, you don’t want to exacerbate your injuries. If you are well enough to get up, try and check on the other vehicle’s driver and passengers. If they are unconscious and appear injured, don’t try to move them. One careless pull and you might damage the spinal cord. If you’re not a medical professional and are weak anyway, don’t play the hero. Only assist them to get out of the car if they are able to move around and just need help to move away from the carnage.

• Call The Emergency Services

Try to get a hold of your phone or ask a bystander to help. Call 911 and the make sure they send the police and an ambulance. They will need to check you over. You may be in shock and not realize the extent of your injuries. The medical report that will result may also help you claim damages at a later date so let a professional ensure you are fine.

• Take Photos If Able

It is always handy to keep a disposable camera in the glove compartment. It really helps in the event of an accident. You can photographically document what happened. You can also request the nurse at the hospital or a bystander to take photos of your injuries. If your phone has a camera, you can also use that. This will help show what happened exactly when the accident occurred. You may be all healed up by the time you go to court to make your claim yet you suffered severe injuries. The photos will help make your case.

• Don’t Accept Liability

Whether you are fully aware of what happened or it happened so suddenly you have no idea what exactly transpired, never accept the blame. Keep mum and don’t put yourself in a compromising position.

• Talk to a Personal Injury Lawyer

Once you’ve seen a doctor and been treated, get a copy of your medical report, your photos and the police report and see a lawyer. A police report will be important, as you were probably not in a position to collect your own evidence like photos of the accident, witness contacts and insurance details on the other driver.  You’ll want to see your medical bills covered. In certain cases you may be able to claim further damages. A lawyer will help you file a suit and make the appropriate claims to your insurer. Leaving the situation in the hands of a professional will leave you free to recuperate and not have to engage in technical affairs.

The main goal is not to suffer any financial loss as a result of this accident. You will want to have your medical expenses covered and your car repaired, or if written off, replaced.



Statute of Limitations for Wrongful D...

by lawfirmdirectory.org on 01/31/2012 - 06:04 am
Category: Personal Injury Lawyer

Death is an inevitable part of human existence. It is a painful ordeal that every human is destined to experience. However, if death was brought upon your loved one other than the natural cause, then the pain is even more excruciating that it affects the lives of the family. In such cases the perpetrator of death must be held liable for the pain and suffering of the family is going through. Wrongful death claims must be taken to ensure that the perpetrator pays for the consequences of his or her action.

 What is a Wrongful Death Claim?

 Wrongful death claims are given to the family of the deceased to compensate for the pain and suffering that they are going through. Wrongful death claim can be filed by the immediate family members – children, life partner and parents – in some cases, if the immediate family members are not available, grandparents and siblings can also file for the case and receive the compensation. If the children are still minors and the other parent is not present, the jury usually grants the compensation to the nearest relative as their legal guardian until the children reach the legal age.

 Wrongful death claims may be filed by the family of the victim if someone acted negligently and as a result, caused your loved one to die.  Car accidents and medical malpractice are some of the most common cases of wrongful death claims but there are other circumstance, as well. Now, the family member has to be aware that there is an existing statute of limitations for wrongful death claims. With that said, it is helpful to seek for a legal assistance to help you file for a claim.

 Statute of Limitations for Wrongful Death Claims

 The statute of limitation varies from state to state. It could last from one year to up to three years, after which time you wouldn’t be able to file for any claim. This is the reason why people are encouraged to immediately look for a qualified attorney who specializes in wrongful death cases, in order to get compensated.

 In Louisiana the statute of wrongful death is one year while in the state of California, the statute limitation is two years. However, there are some states like Florida, that allow you to file for wrongful death claims even after the statute of limitations, in cases in which the cause of death is a result of a defective product. For a person with no extensive knowledge about the law, this is complex task and should only be handled by someone with a professional degree and experience dealing with such cases.

 When the Statute of Limitation Do Begins?

Currently there is no Federal statute so this still depends on the state where the case is being filed. In some states the statute of limitations begins at the time the body was recovered, while in some states the statute of limitations begins at the time of death or when it became clear that the death is a wrongful death case.

 The Duration of the Statute of Limitations

As mentioned above, the statute of limitations vary because there are states wherein the statute of limitations can last to up to two years, such as in Rhode Island and Wisconsin. In New Jersey and Nevada, the statute can last up to two years.

  In some states, unless the wrongful death lawsuits involve occupational hazards or defective products, the statute of limitations is not applied. In Florida, there is also an exception applied that lifts the statute of limitations, like if the wrongful death claim is caused by manslaughter or murder. In California, the statute of limitation is extended for cases of medical malpractice and exposure to asbestos. In Colorado, it is extended for a year if the cause of the accident involves car accidents.

 In conclusion, there is an applicable statute of limitations for wrongful death cases, but it varies from state to state. The best way to act upon it is to hire an attorney who specializes in wrongful death cases.

 He or she can help give you the guidance needed to properly file the claim and hopefully get you the financial compensation you are looking for.

Insurance lapse and car accidents

by lawfirmdirectory.org on 01/18/2012 - 09:36 pm
Category: Personal Injury Lawyer

 Having valid automobile insurance is a neccessity by law. Even when your car remains in the garage for long periods of time, the insurance should remain valid.  The insurer may provide a discount on the premium when you confirm that the car would never be used for a specific period of time like a foreign trip or a temporary relocation to another city. However, it is important that you keep your insurance up to date, especially because you can never predict when accidents will occur.

 Inspite of the legal provision, if you are involved in an accident and your insurance has lapsed, you could potentially be in deep trouble with the law enforcement agencies and in discharging the financial liabilities consequent to the accident. Understand that a lapsed policy offers you no protection whatsoever. You may invent a series of reasons for not renewing your policy but that seldom helps. Most insurers will remind you in good time to renew the policy and trouble comes only when you ignore those reminders.  In some instances, insurance companies allow a grace period and if the accident occurs during the grace period, you stand a good chance of remaining protected.  But, insurers are not obliged to grant this grace period and you cannot demand it as a matter of right.

 The financial implications

 In a car accident where you are at fault,  failing to renew your insurance might result in hefty payments from your own pocket.  At times, this could be far worse than you could imagine.  An exception to this situation is when you are injured and the other driver is at fault.  In this instance, you are not at fault and the liability is not on you.  Therefore, even if your own insurance has lapsed, you would still be in a position to claim relief and receive an appropriate award.

 Serious consequences even without an accident

 You should also be aware of the other dimensions of driving with a lapsed insurance. Even without an accident, a routine check by the law enforcers can land you into deep trouble. Many states have stringent laws on this and your car can be impounded. Additionally, you could even be jailed for the offence.

 Better option

 The better option before you is to renew your car insurance in time and avoid all the possible embarrassment.  In modern times, it is never difficult to remind yourself of upcoming due dates and send off a check well in time.  You can use the grace period when available or simply send in a renewal request. 

 There are a number of  consequences of driving with a lapsed insurance. In the first place you run the risk of paying a much higher premium when you seek a renewal or a new insurance subsequent to an accident in which you are cited for lapsed insurance.  Depending on the extent of damages and/or injuries caused and the liability to you, the financial consequences can be overwhelming. Apart from these, your driving record will also carry a citation for driving with a lapsed insurance making it difficult for you to obtain a competitive quote for future car insurance.

 Look at it from any angle; the disadvantages of driving with a lapsed insurance far outweigh the small savings you obtain from delaying the renewal. As a matter of fact, you would even end up paying more money while renewing a lapsed insurance because you will lose most of the loyalty bonuses and attract a penalty for belated renewal.

Motorcycle accidents without helmets

by lawfirmdirectory.org on 01/17/2012 - 07:30 pm
Category: Personal Injury Lawyer

Motorcycle accidents without helmets

There can be no denying the fact that helmets contribute in a large measure in preventing injuries during motorcycle accidents. In a vast majority of motorcycle accidents motorcycle riders who were not wearing a helmet at the time of accident tend to end up with serious head injuries.

Helmets can not only save your head, more importantly they can save your life and the lives of others.

 A recent study by the USC (University of Southern California) with funds from the NHTSA (National Highway Traffic safety administration) has focused on the effectiveness of helmets in preventing injuries consequent to motorcycle accidents. It is important however that a helmet that conforms to DOT standards is used. There are many helmets available at cheaper prices that claim to conform to the prescribed standards but often times do not. Considering the grave risk to which the motorcycle riders are exposed to, it is worthwhile investing that extra bit of money into a gear that will indeed keep you protected when you need it most.

 Choosing the right helmet

 The best protection is provided by a full face helmet since it fully covers your face and comes with a face shield that protects your eyes. Moving the shield when you need to, is not difficult because it can be achieved with a one hand operation. Open-face helmets on the other hand do not afford complete protection as compared to the full face helmet. However, you can choose a face shield that snaps on and buy a pair of goggles capable of withstanding the impact from a stone. Do understand that sunglasses or other ordinary glasses cannot perform the desired function since they tend to fly off or move from a fixed position. Half shell helmets which are generally used at civil construction sites or other shop floors do not afford any protection to motorcycle riders and can potentially fly off while cruising at higher speeds.

 Higher price does not mean more protection

 Irrespective of the price you pay for the helmet, it is important that the gear conforms to certain minimum standards of safety. A SNELL or DOT sticker is often the easiest means of reassuring yourself that you are investing into a dependable gear for your motorcycle cruises.

Apart from the use of appropriate helmets, the following tips will help you prevent motorcycle accidents and consequential injuries.

• Lack of experience and appropriate training have been among the major causes for motorcycle accidents. Get appropriate training to protect yourself.
• Drunken driving increases the chances of an accident when you are riding a motorcycle.
• Conspicuity or visibility of the motorcycle for other road users is important in avoiding accidents. Wearing bright colored jackets such as red, green, blue and yellow increases the visibility of your motor cycle for other road users.
• Blind spots of other vehicles obstruct visibility..Always try to stick to a visible line
•  Wear appropriate protective gears for your eyes and face
• Be a responsible motorcycle rider and follow the rules of the road
• Nearly 50% of motorcycle accidents have been caused by over speeding.
• Beware of road conditions particularly when you are going on long rides. Unexpected potholes and heavy objects can pose grave danger.
• Switch on your headlights even during the day. This increases the visibility of your motorcycle for other road users.
• Additional passengers invariably sit behind the rider on a motorcycle
• Unless you are a skilled rider yourself, never allow another person to ride with you.
• Passengers riding with you shall invariably keep their feet on the footrest and nowhere else. This will help in preventing burns from the exhaust and/or getting caught in the wheels.

Motorcycle accident cause factors and...

by lawfirmdirectory.org on 01/15/2012 - 03:55 pm
Category: Personal Injury Lawyer

The University of Southern California conducted a detailed study on motorcycle accident cause factors and identified some countermeasures.  The study funded by the NHTSA covered some 900 motorcycle accidents in the Los Angeles area in its minutest detail and purveyed another 3,600 reports relating to motor cycle accidents in the Los Angeles area. While the report itself is voluminous, we discuss below some of the salient features of the report.

Major causes of motorcycle accident

While the report lists some 55 causes of motorcycle accidents, we have identified  some of the more common and frequent causes to bring them into focus for the use of motor cycle riders and other road users.

Slide out at curves

Excess speed and over braking while negotiating curves/corners contributed to some 2/3^rd s of the accidents studied. Notice that drizzles, oil spills, sand particles and water spills can further accentuate the risk while negotiating curves/corners.

Intersections

Intersections pose the biggest danger to motor cyclists with other vehicles often violating traffic signals and right of way to motorcycles.

Fuel spills/leaks

In 62% accidents, fuel spills or leaks were present in post-crash situations presenting a higher degree of fire hazard.

Visibility/conspicuity

The motor cycle not being spotted by the other vehicle has been cited among the most frequent causes for motor cycle accidents. Wearing red/orange/yellow jackets and keeping the headlamps on even during day light have been recommended to overcome this problem.

Drunken driving

Nearly 50% of motor cycle accidents resulting in loss of life involved motor cycle riders driving under the influence of alcohol.

Lack of formal training

92% of motor cycle riders involved in accidents never received formal training. They either learned themselves or were taught by others. Formal training can therefore substantially bring down the accident rate.

Casual or careless driving

Lack of attention to the task of driving has been cited as a major cause of motorcycle accidents

Precious little time to avoid a collision

Motorcycle riders often got under 2 seconds to complete every action in avoiding a collision.

Size, speed and alcohol

The size of the motorcycle, the speed and higher levels of alcohol in the blood stream of the driver are among major contributing factors in motor cycle accidents.

Helmets

Only 40% of the motorcycle riders involved in accidents wore helmets when the accident occurred.  Helmeted riders as well as passengers on the other hand suffered less severe head/neck injuries.  The study further adds that use of helmets did not contribute to any form of discomfort while driving or other issues that could potentially enhance the chances of an accident. 

Eye protection

73% of the motorcycle riders involved in the accidents subjected to the study did not have any eye protection.

Insurance

Insurance of any description to provide medical care and/or replacement of damaged property was available with less than 10% of motor cycle riders involved in the accidents studied.

Design modifications to helmets

The study group also suggested design modification to helmets to afford better protection to neck region at the back and more impact protection for helmets that cover the whole face.

The following are among the major counter measures identified by the study group

For drivers of other vehicles, particularly the larger vehicles like cars and trucks, motorcycles are not conspicuous enough to avoid collisions.  Other objects and vehicles also tend to fully or partially block the view of motor cycles. Choosing the right colors (whites in particular during night) and making the bike itself as conspicuous as possible can reduce the risk of accidents.

Experience, a sober mind, conspicuity, and mature attitude have been identified as the most effective accident prevention measures.

Truck accident prevention

by lawfirmdirectory.org on 01/15/2012 - 03:45 pm
Category: Personal Injury Lawyer

 Negligence and lack of concern for personal safety and safety of others on the road,  is among the major causes for truck accidents. Therefore, any effort directed towards truck accident prevention should primarily address this issue. In the context of truck accidents, negligence manifests in different forms. Though there has been a marginal reduction in the number of deaths due to road accidents across the nation in recent years, deaths associated to truck accidents are still on the rise.  Mobile phones, tiredness, and backing up without adequate care are among the major causes for truck accidents.

Mobile phones in truck accident prevention

Mobile technology has created a communication revolution across the globe. Today, many people have the ability to speak to their loved ones or a business associate while cruising the road. The law does prohibit the use of mobile phones when you are behind the wheels. But, with the introduction of hands free devices attached to mobile phones, the law has lost much of its effectiveness. Use of mobile phones while driving has been among the biggest factors contributing to road accidents in recent times. And, this is a growing menace not just in America, but across the globe wherever mobile phone density is growing.

 For once, let us not take away all the positive values of mobile phones. Instead, each one of us can educate ourselves and others on safer ways of using our mobile phones, particularly when we are behind the wheels. Use of hands free devices do not take away or reduce the risk of accidents associated with the mobile phones while driving. An alcoholic or a drugged driver will have at least a part of his focus on the road to prevent an accident. But, when you are speaking on a mobile phone, your focus involuntarily shifts to the conversation itself and the driving becomes uninvolved. This practice must stop for the common good of those who get behind the wheels and those who do not. More stringent laws and enforcement alone cannot bring about a significant improvement in truck accident prevention. An increased level of social awareness and social responsibility on the other hand can produce a paradigm shift and save precious lives. In modern times, the social media can be effectively exploited to achieve this objective.

Backing up

Other severe truck accidents take place when a driver improperly reverses. In the ordinary course the backing up process is expected to be much slower and more careful than a truck cruising forward at great speed. The chances of an accident therefore ought to be a lot lesser. Spotters and devices with audible warnings are major achievements in truck accident prevention, particularly during the backing up process. However, these gadgets must be in working order when the truck takes to the road. If they are not working, the truck should not be on the road at all – as simple as that. Driver fatigue

Driver fatigue is another major cause of many truck accidents. Most truck drivers work under intense pressure and are often required to catch up with lost time due to traffic snarls. Add to this, the menace of drugged driving and driving the influence of alcohol, they pose grave danger to other road users and to themselves. More stringent law enforcement can be a half way towards curbing this menace further and contributing further towards truck accident prevention.

It is not just the bigger trucks that are involved in accidents. Even the smaller automobiles like a pick up truck figures in fatal accidents. Imagine a child being crushed under the wheels when a pick up truck was backing out – not on the express way – but from the driveway. Sheer callousness – not even negligence and look at the price the driver paid. Motor vehicles are beasts that can kill – but humans have the ability to tame them – if only they care.

Different Types of Disability Insuran...

by lawfirmdirectory.org on 01/13/2012 - 11:31 pm
Category: Personal Injury Lawyer

Different Types of Disability Insurance Plans

 Disability insurance or DI acts as a cushion during situations that trigger financial problems. This is known as financial cover, for durations a person becomes ill and is disabled to work or get paid, affecting usual basic expenses each month. There are varieties of disability insurance plans available for individuals employed by employers, or self employed, as well as business owners, in case they fall sick or are temporarily disabled to work and earn.

 Types according to duration of Disability

 When duration of the cover is considered, these plans may be categorized widely into two types namely, Short term disability insurance and Long term disability insurance. Returns on both the type of insurance plans vary. Short term plan may reimburse their wages during loss of work due to disability that lasted for short durations, while long term cover provides income for longer durations and is a more permanent source of income, when compared to short term plans.

 Short term DI: Waiting period for getting reimbursement or payment is usually 2 to 3 weeks. One is provided with benefits for duration of 13 to 26 weeks. Complete or partial salary replacement is provided, depending on the plan chosen or plans offered by company for short term DI. Most of the short term disability premiums are provided by employer and paid by him, but are taxable once they reach employee as benefits.

 Long Term DI: Duration for usual long term plans for DI cover up to 5 years. Few plans that cover until one turns 65 years are also available. Waiting period for this sort of DI may be around one month, to 6 months. When premiums are paid by an employee, they may enjoy benefits tax free. One may get 70% of their payment, from which they may have to pay their premiums. If premiums are paid by employer, the amount is taxable, as soon as it reaches the employee.

 Depending on circumstances and lifestyle of a person, they may have to opt either of the insurance plans or both. Basic long term disability cover is provided by Social Security Administration, while short term disability covers may have to be purchased separately.

 Types of disability Insurance for Business Companies

A business owner may cover his or her business for disability, or illness that affects himself or key player in business. This disability is usually limited to short periods. Different types are mentioned below.

Business Overhead Expense DI: If a business owner suffers illness, he or she is entitled to reimbursement for overhead expenses like rents, employee salaries, mortgage payments, monthly taxes, billing, service fee, maintenance, laundry and other such compulsory expenses that are incurred during normal course of running a business.

Key Person DI: A business may be secured to cover for illness of key player for short durations. This cover gives necessary cash flow, in the event of key player becoming disabled or falling sick. If the employee or key player is disabled permanently, this temporary benefit provided can be used for hiring a new key player.

Individual DI: A person may secure their business for short term disabilities, by purchasing a plan from open market. There are numerous companies offering different covers, according to premiums one accepts to pay. Higher premiums offer more benefits while lower premiums offer fewer benefits. Depending on the size of business and its profit margin, one should choose the right DI cover plan to secure their business.

Type of DI for Employees or Workers

Employer provided DI: A company employee may also get covered by the employing company. Company policies mention this type of cover for their employees along with details of benefit package provided. A company employee should not rely completely on this sort of disability insurance, but take care to purchase other cover policies to secure his or her future.

Workers compensation: This is typical cover that is provided for workers who are temporarily disabled due to injury sustained at work. Medical benefits, reimbursement of pay and compensation are covered under this form of DI plan.

National Social DI: National government provides a very basic cover for disability in a person that interferes with their work and pay. It is known as Social Security Disability Insurance or Supplemental Security Income. Every person who is uninsured with any other policies or covers is covered using this National plan. Benefits from these plans are not very high paying but are enough to cover basic necessities and avoid severe poverty.

DI for the High Income Group: Usual conventional DI plans may offer maximum benefits of about $25,000 per month, if one wants to get higher benefits; they may have to opt for a High limit DI plan that needs one to pay higher premiums. The minimum benefit for such plans may be around $2000 and maximum may go up to $100,000 a month, depending on the plan chosen.