One of the worst decisions you can make in life is to get behind the wheel of a vehicle after you have consumed too much alcohol. And other substances, such as marijuana or prescription pills that affect your decision-making or coordination (or, that you have been warned to not drive while under the influence of) are not that much better than drinking and driving. However, I am a firm believer that merely telling someone to not do something will not result in the person following your advice, no matter the validity of the suggestion.
Instead, I think, it is best to explain the specific dangers of an issue if your goal is to prevent risky behavior. As such, I have written the following article about the dangers of drunk driving and what to do if you find yourself the victim of injuries related to a person breaking the law and causing a drunk driving accident:
I will put it simply: if you are under the influence of alcohol, you are going to be a bad driver. The dangerous driving stems from a few things; when a person is drunk, they are more likely to take risks and drive aggressively. This is self-evidently dangerous behavior on the road, where there are numerous uncontrollable factors such as pedestrians crossing, cars merging, and other vehicles speeding or slowing down. But the true danger of drunk recklessness is that when a person is drunk, they are incredibly uncoordinated or clumsy.
For example, a race car driver takes risks and probably drives adventurously. However, training and dedication make their decision-making, reflexes, and skills refined to handle sudden changes. Drunk drivers simply cannot do the same. Drunk drivers experience blurred vision, loss of coordination, shaky or stirred hands and feet, and so many more other side effects of being drunk that make driving safely simply impossible.
Injuries from car accidents
The side effect of drunk drivers poorly handling cars is that drunk drivers fairly frequently crash into stationary objects or other people and cars. While car crashes can be expensive, and increased insurance rates are not fun for anybody, the true cost of drunk driving is human lives. According to the National Highway Traffic Safety Administration, every day almost 30 people die from accidents related to drunk driving. That is simply unacceptable.
Fortunately, many more are able to keep their lives when involved in a drunk driving accident. But for accidents that are caused by other people’s irresponsibility, it is deeply unfair that a person can receive truly terrible injuries from a car accident. According to the Jurewitz Law Group, some of the most severe drunk driving injuries include permanent memory loss and even paralysis.
If you have been injured in a drunk driving accident, make sure to get treated for your injuries as soon as possible, make sure to document every pain or sensation you feel, and hire a lawyer as soon as you can. You deserve justice after a reckless action by someone else.
Every day we see commercials from the big name insurance companies claiming to be “on your side” “here to help”, etc. It’s frustrating to see. Of course, insurance companies do pay out some claims, but they continue to exist for one the reason that every other private company does. That’s to make money. If we get in a car wreck or wind up in the hospital unexpectedly, insurance may help us out in a pinch. But that’s not always the case. Sometimes insurance companies are difficult to deal with on purpose. They will try everything they can to not pay out on settlements. I learned about some of this on the Law Offices of Seaton & Bates, PLLC website. The lawyers at Seaton & Bates work on personal injury claims. That means they help people get insurance settlements after a car wreck, or if they were injured in a hospital, or at work. They know about the tricky tactics insurance companies will pull to get out of a settlement.
If you end up getting hurt in an accident that involved three or more cars, insurance companies will do their best to give you the runaround and be difficult so that you try to file a claim through another person’s insurance instead of theirs. Many insurance companies will peruse through your social media pages you to try and find any information that might give them a reason to deny your claim. This last one upsets me the most. Sometimes insurance companies will hire a private investigator to follow you around, videotape you in secret and take pictures of you that make it look like you’re not as hurt as you claim to be. If all of this doesn’t produce any good evidence, they might try to dissuade you from hiring a lawyer. If you decide not to hire a lawyer, the statistics are not in your favor. Typically, people without a lawyer end up receiving three times less than what they would otherwise. Insurance companies have resources to play hardball in court. They’ll bring in testimonies from expert witnesses to make a case that your injuries were not severe. This is deeply troubling to me. Insurance companies spend a great deal of money marketing themselves as a helpful resource but their true colors begin to show when they involve themselves in these shady tactics.
When these providers deny those in need of help, it could cause a series of events that leaves them in debt for years to come. When insurance companies begin these tactics, giving people the runaround and being difficult, it causes stress and makes it harder to recover from the injuries in the first place. It’s hard to return to a normal life when you’re in the hospital wondering how you’re going to pay for the medical expenses.
Have you ever heard of a Ponzi scheme? A Ponzi scheme is essentially a fraudulent investment practice where the person in control of the scheme tries to get investment money by offering fabricated financial reports and data. The party in control of the scheme will often promise very high returns to potential investors. The point of a Ponzi scheme is to attract new investors and to use these new investments to pay off old investments.
What many people didn’t know is that Ponzi schemes are named after an Italian con artist named Charles Ponzi. In 1920, Ponzi started a company known as the Securities Exchange Company. Ponzi would get large investment sums from several investors, and then he would pay them off the following month. As his business grew, he hired a staff of agents that received a commission for the investments they received from the Company. The business became so large that in one month, the total amount of investment money, adjusted for inflation, rose from $62,000 in February 1920 to $309,000 March 1920. The investment numbers continued to grow at an alarmingly quick rate. In fact, By the end of July 1920, they were making $1 million per DAY.
Despite this, the Securities Exchange Company was grounded in a flawed business model. Though large sums of money from investors continued to funnel in, necessary payments to the old investors could not be paid out. Essentially, the Company was not generating a profit. However, this did not stop Ponzi from leading a luxurious lifestyle. Eventually, Ponzi’s business collapsed, and he surrendered to federal authorities. He eventually pled to a charge like modern-day embezzlement. Before Ponzi received his 5-year sentence, the sentencing judge stated, “Here was a man with all the duties of seeking large money. He concocted a scheme which, on his counsel’s admission, did defraud men and women. It will not do to have the world understand that such a scheme as that can be carried out … without receiving substantial punishment.”
Because of my interest in these types of famous cases, I decided to further my understanding of the case of Charles Ponzi by researching modern-day embezzlement. I came across an article by Bruno Law Offices that succinctly described the crime of embezzlement in this day in age. It explained that embezzlement occurs when an individual takes money that has been entrusted to them, and without the knowledge of the person who gave the money, the individual that received the money does not use it for its intended purpose. The key to the crime is that someone entrusts their money to someone else.
Charles Ponzi was certainly entrusted with the money of other individuals. He then used the money for unintended purposes. In fact, the reasons for which he used the money were so blatantly unintended that we now have a term to highlight this kind of behavior: the Ponzi scheme.
I try not to pay attention to the news outlet, TMZ, since it seems that their stories usually involve an annoying celebrity doing something ridiculous in public. A story they published recently, however, caught my eye, and I had to do a little more research about it. The story involves a woman who was injured when she slipped and fell in the restroom on a Princess cruise, and now she is suing the cruise liner for negligence.
Now, will be the first person to say that I love cruise ships and going on cruises is one of my favorite vacations to take. That said, I too have noticed that cruise ships often can be dangerous for the guests, whether from slippery decks, lack of signs alerting guests to hazards, and a general feeling that the crew is overwhelmed by the constant demands of the guests. This means that they often cannot keep up with the maintenance demands, and by day six of any cruise I’ve been on, there are definitely some hazardous areas that often go unnoticed by the cleaning staff.
In the TMZ story, the woman, Julienne Buchanan filed a lawsuit after she slipped and fell in one of the ship’s public restrooms. The suit claims that the toilets were overflowing with sewage, which led her to slip and fall, and caused her to strike her face on a nearby door sill. She also reported a cut to her face and pain in her neck and chest caused by the fall, which left her unconscious in the restroom, where she was later found and treated. Because she was laying in the wastewater, she was given a tetanus shot and was given antibiotics to ward off illness on top of the injuries she suffered in the fall.
While this story seems a bit extreme (I never saw overflowing sewage on any of the cruises I was on), I can easily see that happening. It makes me wonder what type of action I would take if I was hurt on a cruise. Would I sue? Would I be forced to take legal action, even if I didn’t truly want to, but I needed to pay for the medical expenses? I believe that I would take legal action if I were the woman in this story, because the crew should have done something to protect her from harm. Signage should have been posted, and the waste should have been cleaned up before she was allowed to enter the restroom. It makes sense for a cruise ship passenger to file a lawsuit, and I learned that passenger claims are not all that rare, according to this Florida attorney’s site that I found.
Ultimately, I believe I would take action if I were hurt on a cruise ship, especially if the crew could have or should have known about the danger. A slip and fall accident like the one this woman suffered did not have to happen, yet she was injured as a result. I don’t blame her for filing the lawsuit!
Filling out disability forms is not the easiest task in the world. One of the hardest part in making a claim is proving your disability. After all, the insurance is called disability insurance. So, you should truly be disabled to be eligible for compensation.
According to the website of Fields Disability, insurance companies are out there to protect their profits and not your best interests. As a result, they may reject more claims than necessary. But this becomes a problem when they start to reject legitimate claims.
It is important to note that rejected claims are not always the result of insurance companies just maximizing their profits. Sometimes they are the result of the lack of evidence regarding your disability, which is a legitimate reason to reject a claim.
Do you really deserve coverage?
Yes, you are shelling out money to get insured, but it doesn’t mean that every claim you make deserve coverage. The insurance company will make its own investigation to determine whether you really deserve to be compensated or not, not just to save money, but to prevent unnecessary expenses on their part and unwarranted help on yours.
One of the strongest factors they consider is the legitimacy of your disability.
Are you really disabled?
To be disabled, the condition should partially or totally prevent you from going to work or doing specific tasks required for your job. Usually, there is an agreed upon number of weeks or months that you have this condition for it to be considered a disability.
However, being physically limited does not automatically mean that you are disabled. You also have to prove it in the most convincing way – medical science. You should be truly medically disabled, according to medical professionals. You should also have the proper medical records to back them up, such as clinical records to show that you are regularly getting treatment, X-rays and MRI’s to prove your condition, and written opinions from your physician to give a sense of authority to your claim.
We all know that some workplaces are more dangerous than others, such as construction sites, manufacturing plants, and seafaring vessels. But it cannot be denied that all workplaces are vulnerable to accidents and injuries. Yes, even the seemingly safe office building is not entirely risk-free.
According to the website of this Fort Worth work injury lawyer, those who have been injured in their workplaces may take legal action, like trying to get compensation from the damages they have sustained. This means that employers are morally and legally obligated to create a work environment that is safe for both employee and passerby.
What is Slip and Fall?
One of the most common causes of workplace injuries in a typical office building is slip and fall. Usually, this occurs when a person has slipped because of a third party, has fallen into the floor violently, and has sustained an injury. As mentioned above, this may be grounds to take someone to court. Typically, this someone is an employer, supervisor, or a maintenance provider. But for a slip and fall accident to be truly viable, they usually have to pass the following criteria:
- The condition has been caused by the property owner or someone in charge
- The condition has been there long enough for a reasonable person to see and fix it
- The condition has resulted into the harm of a person
- In other words, negligence or recklessness should be involved to make your case stronger.
There are slip and fall hazards in the inside and outside of your office building, and many of them are caused by the lack of maintenance or supervision.
- Defective stairs
- Malfunctioning escalators and elevators
- Poorly maintained products on the floor, like carpets and rugs
- Slippery substances on the floor, such as floor waxes, pipe leaks, and spilled drinks
- Tripping hazards, like extension cords and opened cabinets
- Buildup of ice, rainwater, and snow
- Natural and unnatural debris, such as piles of leaves and trash
- Poor lighting and visibility
- Uneven surfaces, including cracks and potholes
Bicycles are becoming more and more common on the road, as they can be used not only in recreation, but also in economic travel. This also means that more and more people are becoming vulnerable to bicycle accidents, traumatic injuries, and even death.
For this reason, legal professionals are now specializing in bicycle accident claims, such as Habush Habush & Rottier S.C. ®. But nobody wants to get involved in courts, attorney fees, and compensations. The best way to avoid the legalities of these claims is just preventing bicycle accidents altogether. Below are some safety tips you can follow to ensure your safety on the road while riding your bicycle.
Always wear protective gear
Before even hitting the road, you can already put yourself in a safer position by wearing the proper safety equipment, such as helmets, elbow pads, and knee pads. In case a collision occurs, at least you have protection to prevent serious damages in your head, brain, elbows, and knees.
Check your bicycle
Again, to ensure your safety even before you hit the road, check your bicycle for possible defects or discomforts that may be factors in crashing or colliding. Check your brakes if they are strong enough and if they work. Check your seat if it is adjusted in a way that makes you comfortable when riding.
Follow traffic rules
This applies not just to bicyclists, but also to everybody else on the road. Traffic rules are there not to restrict you of your freedoms, but to make sure that everybody in traffic is safe. Considering that bicycles are more vulnerable than vehicles, bicyclists have more reasons to obey the rules of the road.
Many bicycle accidents happen because of visibility issues. Always stay in the right side of the lane and avoid being on the blind spots of vehicles. When turning, always use signals to avoid misunderstandings and collisions. During night time, it is also important to have lights and reflective clothing.
Avoid distractions and focus on the road. The most common distractions are mobile devices, beverages, and thinking of other stuff not related to the act of bicycling. Also, stay alert, because you will never know when an unexpected event happens. By being alert, you will have the reaction time and the proper judgment to adjust to it.
Insurance agents have a duty of loyalty and honesty to their clients. It is their job to ensure that their clients receive the amount indicated on their policy when making a claim. Unfortunately, this is not happening and customers are denied of the proceeds that they ought to receive. This is what is called bad faith insurance claims or “insurance fraud.” This happens when an insurance company refused to pay out the amount stipulated in the insurance policy.
The website of Williams Kherkher reveals that insurance bad faith happens because insurance companies want to minimize the payments they will make to the insured. Even if the insured is fully entitled to receive money from the insurance provider based on the policy, the insurer will do everything to save money by not paying everything they owed to the insured.
There are many instances when an insurance company is acting in bad faith. A common example is when the insurance company unreasonably delays the payment of insurance to the insured.
Every insurance policy has a stated or implied “covenant of good faith and fair dealing.” Part of acting in good faith on the part of the insurance company is paying the policy holder promptly. Their failure to do so is a violation of the “implied covenant of good faith and fair dealing.”
Should you push through with an insurance bad faith claim against your insurer, you can be entitled to receive compensation from your insurance company. You may be awarded with compensatory damages so you can return to the same position that you have been in had you been paid promptly and correctly. Likewise, the court may order the insurance company to pay you punitive damages. The amount of damages may vary from one state to another. In some states, there will be a limit on the punitive damages while in others there is no limit.
Damaged pipes and leaking faucets can pose a problem for most homeowners. Nothing can be fixed by an elbow grease and a plunger to make it work according to what they are designed for. Some leaks can be easily fixed by the homeowners themselves. However, there are major problems that only a skilled plumber can fix. A plumber has the skill to identify a problem. Here are some of the common plumbing problems:
For someone who is trying to get some sleep, a dripping faucet can be annoying. Aside from that, it can lead to a higher water bill. While fixing the faucet can be a do-it-yourself venture, not having specialized tools can make the job more challenging than you expected. If the leak has been an ongoing problem, the valve may become worn or corroded which may require the expertise of a professional plumber.
Low Water Pressure
When water flows only in trickles, you are experiencing a low water pressure. The problem has nothing to do with pipes in your house but in the municipal water supply. The problem can also be attributed to a break in the main line. In addition, low water pressure can also be caused by a buildup of deposits or sediments on faucet aerators.
Leaks in pipes can be a costly problem. Leaks usually happen at the joints which explain why joint fillers and fitting compounds are quite common in hardware stores. However, these products are only temporary solutions to leaky pipes. Hiring a plumber to repair the leak offers a permanent fix to the problem.
When the water that goes into your sink, tub, or toilet does not go out, this could mean there is partial or complete clog in your drain. And while a plunger can help dislodge the clog, it cannot fix the problem. Dealing with clogs regularly can best be remedied by calling an experienced plumber.
When leaks and clogs becomes a major issue in your home, don’t let it get out of hand. Call the plumber to remedy the situation.
When it comes to burns, the first thing that comes to the mind of a person is fires. The truth of the matter is that burns can also come from boiling water, electrical charges, or radiation. Regardless of its cause, burns are perhaps one of the most painful injuries. According to the website of The Benton Law Firm, the United States ranks 8th out of 25 developed countries in terms of mortality rates due to fires. The American Burn Association estimates that there are around 450,000 patients that are treated for burns on a yearly basis.
Types of Burns
It is worth noting that there are different types of burns. Before applying any kind of treatment on the burns, it is first important to knowthe type or degree the burn is. Burn injuries are classified according to how deep the burn penetrates the skin.
First Degree Burn
First degree burns are the least severe type. It affects only the epidermis or the outermost layer of skin. As a result, they heal easily even without medical attention. These types of burns can cause redness, swelling, and pain. It is considered as a minor burn that involves the hands, face, groin, feet, buttocks or a major joint.
As they are regarded as a superficial burn they usually do not require any medical care.
Second Degree Burn
Second degree burns extend much deeper into the dermis, or the second layer of the skin. These types of wounds are characterized by intensified swelling, pain, and redness compared to first degree burns. They are moist and red and could form blisters. If the wound does not exceed 3 inches in diameter, it is just a minor burn. On the other hand if it is more than that and extends to the hands, feet, face, groin, buttocks or a major joint, then it is a major burn and will require medical help. Deep second degree burns can result to scarring.
These are the most serious kinds of burns as it extends to all layers of the skin as well as underlying fats. It may even affect muscles and bone4s. The affected area may be charred black or white. In some cases, it can cause nerve damage. These kinds of wounds may require months to heal and may need burn wound care. People with third degree burns may have the following symptoms : difficulty breathing, carbon monoxide poisoning, and other toxic effects.
These types of injuries are the most devastating as it can affect the muscles or bones. The patinet can have a charred or blackened skin. The pain caused by fourth degree burns is so severe that the patient does not feel pain in the burned area. It requires medical attention and treatment.
Treating Burn Injuries
As mentioned, first degree burns does not require burn wound care as it would heal by itself. However, in the case of second, third, and fourth degree burns, a medical personnel may be required for proper treatment and wound dressing. If you get badly burned, it is important to call the doctor immediately to prevent infection.
One procedure that the doctor may use is wound debridement in order to remove debris, dead skin, and blisters. The doctor will also determine the best option for wound dressing. During the healing process, it is vital that the burn wound should stay clean. The dressing should also be changed frequently as well to prevent it from getting infected. For severe burns, you will stay under the care of the doctor until your condition has improved.