DOES WEARING A COVID-19 FACEMASK INCREASE THE RISK OF INJURY?
COVID-19 facemasks, while limiting the spread of the virus, also limited the peripheral vision of the wearer. On or about March 19, 2020, there was a nearly national COVID-19 lockdown. A facemask was widely required for appearing in public. There is recognition in the medical literature that COVID-19 related mouth-nose masks restrict the visual field, even in persons with normal vision. While the governmental requirement to wear facemasks has relaxed, there remains the possibility of future waves of virus and future requirements of facemask use when in public. Some persons continue to wear a mask in pubic for protection. Many health
AUTO ACCIDENT BROCHURE–WHAT TO DO AT THE SCENE
STOP your car at or near the accident scene. CALL the police if anyone is hurt or dies. Also, call the police if any vehicle is so badly damaged that it must be towed. GET the following information from the other driver or drivers involved in the accident: a) Names and addresses b) Telephone numbers c) Driver’s license numbers d) Registration numbers e) Their insurance company names and policy numbers GET the names and addresses of: a) People involved in the accident b) Witnesses of the accident c) Insured people RENDER AID: Pennsylvania law requires the driver of any vehicle involved in an accident
Driver error is estimated to cause approximately 95% of all car accidents. Alcohol is involved in approximately 1/3 of all accidents. The National Safety Council (NSC) estimates that more than 1/4 of all auto accidents are caused by distracted driving. This estimate may be very low because of the driver reluctance to admit distraction, lack of witnesses inside the vehicle, lack of cell phone usage records by police and the large number of distractions available to a driver inside their motor vehicle. In five seconds of texting at 55 miles per hour, a car travels the length of a football field.
THE PHANTOM, UNIDENTIFIED OR HIT AND RUN DRIVER
One client was riding her motorcycle on a Nevada road when she ran over an object that had been previously dropped from an unsecured load from an unidentified vehicle. She was seriously injured and life-flighted to a trauma center hospital. Another client was injured when forced off of the roadway and into a tree by a vehicle driving on the wrong side of the road. The negligent driver never stopped and could not be identified. A third client was injured by a person who failed to pay their automobile insurance premium and was driving without any automobile insurance. It was fortunate that each
DOES ‘SPRING FORWARD’ INCREASE CAR ACCIDENTS?
Will car accidents increase in the week beginning March 8, 2020? According to a recent University of Colorado Boulder study published in the Current Biology journal, the change to Daylight Savings Time in the spring results in a 6% to 8% increase in fatal car accidents during the following week. The relevant factors are the decrease in sleep, circadian misalignment and driving to work in the darkness are important factors. This effect is more pronounced in the western part of the time zones. Several states are considering abandoning the switch between Daylight Savings Time and Standard Time.
If you want the maximum protection possible from your automobile insurance policy, consider asking your insurance agent for a quote for a personal umbrella policy. This coverage typically insures you for an additional $1,000,000 in liability, uninsured and underinsured motorist coverage. While many people are not currently in the market for this amount of insurance coverage, it is a fairly inexpensive way to protect your own future earning capacity against accidental loss in a motor vehicle accident. A typical personal umbrella policy requires you to carry $500,000 in liability, uninsured, underinsured, and homeowner’s coverage. For an additional premium per year,
THE VANISHING REMEDY IN CAR ACCIDENTS
If you have been the victim of an automobile accident, you have certain rights which are guaranteed by law. Basically, you have the right to be returned to the same condition that you were in before the accident occurred. ¨ You have the right: To the very best medical care available with no out-of-pocket expense to you. ¨ You have the right: To recover any lost wages or loss of earning capacity which may have resulted from the incident. ¨ You have the right: To be compensated for any pain, suffering and inconvenience from the incident. ¨ You have the right: To an equitable
CAR ACCIDENTS, HEART & LUNG BENEFITS AND SUBROGATION
This office ended the unjust subrogation of Heart and Lung from police officers and other public safety personnel involved in Pennsylvania auto accidents. In 1993, when Workers’ Compensation benefits were again subjected to subrogation in auto accident cases, governments began to claim subrogation rights from Heart & Lung benefits paid to public safety personnel. Heart and Lung Act benefits were created by the Legislature to provide full payment of salary to police officers, firemen and other law enforcement officers who are injured in the performance of their duties and by reason thereof are temporarily incapacitated from performing their duties. These benefits
HOW TO AVOID LIMITED TORT
Having Full Tort is best because Limited Tort may limit your right to collect pain and suffering damages. But having Limited Tort on your insurance policy papers does not necessarily mean that you do not have a good case. Some, but not all, of the exceptions that might help you are as follows: Can your insurance company prove you chose Limited Tort? Was the other driver convicted or on ARD for driving under the influence? Did the other car have out-of-state plates? Did you occupy a business, leased, rental or governmental vehicle? Did you occupy a vehicle used as a
WHY YOU NEED UNDERINSURED MOTORIST COVERAGE
If you are in a serious car accident and cannot work for a long period of time, Uninsured Motorist Coverage protects your family against the driver who may have low limits of liability insurance coverage. Pennsylvania law only requires that a driver have $15,000- $30,000 in liability insurance coverage. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident. These minimum limits have not been raised since before 1980. If you are injured in a car accident and cannot work, you will need money to pay your rent, mortgage, car payment, utilities, food,