Posts Tagged ‘trucking’
Tuesday, December 20th, 2011
Insurance companies exist to make a profit just like any other business that is not a nonprofit entity. Prior to sites like Facebook existing, one of the ways that insurance companies would be able to deny benefits is to follow injured workers with a video camera. They would be able to show that a worker who have been injured on the job or injured in an auto accident was not as injured as they were claiming to be.
As years go by insurance companies are now using social media websites such as MySpace, Twitter, Facebook, Youtube, etc is what is your workers are doing while they are recovering. Some courts but even ordering plaintiff’s to give up their social media sites so they can be looked at by the attorneys from the insurance companies.
Insurance companies are not stupid about this. There have even been cases where they will notice that an injured plaintiff is selling items on eBay or craigslist and therefore earning income. The insurance company could potentially make that individual ineligible for workers compensation benefits.
A lot of people don’t realize just how much personal information is actually available on the Internet about people. Since it’s on the Internet and is not password-protected, insurance companies can pretty much use it as it is in the public domain. Facebook now has tagging of photos so that people can find you and your photos with simply her name. You need to be very careful about your privacy settings on that site in particular.
Here are some ways to protect yourself from the insurance carriers prying eyes.
1. Big line of thinking is to make sure there is nothing you would not want your own mom or the lawyer from the insurance company to see on any of your social media profiles.
2. Once a week put your name into the major search engines including Google, Yahoo, and being. And see what pops up. If you see anything that is unacceptable to you then you should go on make the adjustments or simply delete those social media accounts.
3. Make sure to look at the privacy settings on all of your social media accounts so that people who are not close friends of yours I’m allowed to see what they should be at allowed to see.
4. When you receive a “friend request” from someone who you maybe do not even know, either ignore those requests or send back an e-mail to find out who that person is. If you are involved in a lawsuit, keep in mind that the opposing team can find out a lot information about you on the Internet. They may send a fake e-mail trying to get even more information by giving you the impression that your friends. Be aware this may happen.
5. Set up your Facebook account so that e-mail is necessary before you will accept a new friend. Remember not to accept any friends you do not know personally.
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Tags: accident, accident attorney, affordable car insurance, auto insurance, automobile insurance, car accident, car insurance, crash, insurance, insurance claims, lawyers, legal, personal injury, property damage, social media, truck accident, trucking, trucks, worker's compensation Posted in affordable car insurance | No Comments »
Saturday, December 17th, 2011
A lot of individuals are involved in jobs that require the use of car while working. This means that they are at risk for having a job related automobile accident. If you sustain injuries in that accident and it is caused by somebody else’s fault, and along with a workers compensation claim you may also end up being entitled to a third-party liability claim. Keep in mind though that you are not allowed to sue a coworker or your employer for any job related injuries sustained in an accident.
After being involved in a work related automobile accident, make sure to follow the appropriate steps to file a workers compensation claim. Your employer needs to be notified in writing of the injuries from the accident, and then you need to go wherever your employer tells you to go for initial care of your injuries. This also involves filling out a claim for compensation that begins the claim process. Even if the accident was somebody else’s fault filling out this form and starting the workers compensation claim process will entitle you to immediate medical and compensation benefits available.
You may or may not know this reliability claim can take years to resolve against the asphalt insurance company. You’ll need to complete your medical treatment so that you can obtain the highest settlement possible. You should also work with a personal injury attorney who is familiar with the workers compensation system in your state.
If the attorney is knowledgeable in both personal injury law as well as workers compensation law, it may be possible in that state for the workers compensation insurer to pay medical bills rather than needing the settlement monies from the personal injury case to pay for those. This would essentially be money out of your pocket paying for your medical bills. Make sure to ask the personal-injury attorney whether or not you should be seeing a physician who is on your workers compensation provider list.
Make sure that you realize that with both be personal injury lawsuit along with the claimant workers compensation, the workers comp carrier is legally entitled to receive some of the monies from liability insurer. This is called a subrogation lien. It is better though to have both claims going. It’s action unusual for a person in this situation to have 2 lawyers one working on both parts of the case. In reality though it would be best to have one attorney with significant experience in both areas of law.
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Tags: accident, accident attorney, affordable car insurance, auto insurance, automobile insurance, car accident, car insurance, crash, insurance, insurance claims, lawyers, legal, personal injury, property damage, truck accident, trucking, trucks Posted in affordable car insurance | No Comments »
Saturday, December 17th, 2011
Each year in the states an auto accident occurs every 10 seconds. This adds up to many thousands of traffic accidents annually in the United States. When a car experiences damage from a crash, the end result is a vehicle that has diminished value. What does this term mean?
Diminished value refers to an automobile having been an accident and suffering either physical damage, structural damage, or cosmetic damage. Even if that vehicle is fixed back to like new condition and it looks and drives no different than it was before the accident it still will not be worth as much as it was before the crash. The difference between what it was worth before the accident and fully fixed after the accident is due to diminished value.
If you doubt that diminish value actually exists try and sell your vehicle after an accident and see what happens. Most states require full disclosure of all accidents that occur to a vehicle. Most buyers want a vehicle that has never been in an accident and if it has it will receive less money simply due to the fact it was in one.
There are 3 main types of diminished value that apply to claims. These consist of the following:
1. Immediate diminished value: this refers to the resale value difference of the vehicle compared to what it was worth before the accident simply because it was involved in a crash.
2. Inherent diminished value: this refers to the loss of the market value of the automobile due to the accident. This is the most recognized and accepted form of diminished value.
3. Repair related diminished value: this refers to the depreciated amount of vehicle due to either improper repairs or those that are incomplete, poor quality repairs, or simply having items that were left unfixed. This diminished value is determined by the overall quality of the repairs or lack thereof.
Nearly all states allow people to file a diminished value claim after an auto accident that was not their fault. Also those who carry uninsured motorist coverage may be able to file this claim under their own policy as well. The 2 types of diminished value insurance claims include first party or third-party insurance claims. First party means that the individual damaged his or her own car and has her own insurance company paying the claim. This coverage depends on what is either included or excluded in the policy. Third-party insurance claims are when the other party was at fault and hence the other insurance company pays the claim. Pretty much all state courts support claims for diminished value.
Numerous factors come into play when looking at a diminished value calculation including the age of the vehicle, the mileage of the vehicle, the undamaged value, the condition of the vehicle before the accident, and whether or not there were previous accidents.
It can be tough to go after a diminished value claims on your own. An experienced personal injury attorney who has experience in diminished value can help you get the money you deserve. Make sure to reach out and hire one prior to the statute of limitations expiring in your state.
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Tags: accident, accident attorney, affordable car insurance, auto insurance, automobile insurance, car accident, car insurance, crash, insurance, lawyers, legal, personal injury, property damage, truck accident, trucking, trucks Posted in affordable car insurance | No Comments »
Saturday, November 26th, 2011
The factors involved in large truck accidents differ significantly from cars when fatalities are involved. In data compiled from the Federal Motor Safety Carrier Administration, it has been shown that over 16% of car accident fatalities are the result of being under the influence of alcohol and/or drugs. In contrast, only 1.4% of truck accident fatalities are the result of drugs or alcohol.
This is most likely a result of the fact that truck driving is more of a professional activity, with drug testing being prevalent and preventative, whereas with autos a lot of accidents result from a night of imbibing. Trucking is more of an employment activity, and most people who are involved take it seriously, which means not working while drinking.
Speeding is the number one fatal factor in automobile accidents, at approximately 19%. It is also the number one factor in trucking accident fatalities, at 7%. It takes considerably longer to stop a truck when speeding than a car at the same speed. The reason is due to size and weight, so a substantially larger cushion is necessary to avoid an accident in an adverse driving situation.
The 2nd and 3rd most common truck accident death factor is staying in the proper lane along with inattentiveness. This may be the result of falling asleep while driving or texting, reading, talking on the phone, working a mobile device, or applying makeup. This combines for a 12% incidence of trucking accident deaths because of inattentiveness or inappropriately switching lanes. Car accidents differ here with over 16% being the cause of death.
Reasons 4 and 5 for trucking are failure to yield right of way and failure to obey traffic signs. This causes over over 5% of trucking deaths and 11% of car fatalities. Drivers may be in a hurry and try to beat another vehicle through a yield sign, or just disregard appropriate caution signs on the highway.
The premise here is that besides alcohol and drugs being more prominent with auto accidents, the reasons for fatal accidents are the same. They are just in varying percentages. After all, people are people. One take away from this is that preventive safety measures for truck and auto safety overlap substantially. Initiatives for decreasing fatalities can therefore serve a dual function.
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Tags: accident, accident attorney, affordable car insurance, auto insurance, automobile insurance, car accident, car insurance, crash, insurance, lawyers, legal, personal injury, property damage, truck accident, trucking, trucks Posted in affordable car insurance | No Comments »
Sunday, November 13th, 2011
When a truck crashes into a smaller vehicle, and let’s face it most vehicles are smaller than trucks, it is not a pretty sight usually. The smaller vehicle often tries to jump into the lane where the truck is without realizing how close they are to the truck, or maybe they do not signal and end up in an accident. Or it may simply be the truck driver’s fault. If that’s the case, a truck accident lawyer should be contacted.
Larger trucks are typically more commonly involved in fatal multiple vehicle accidents than passenger automobiles. The top 5 states for deadly truck crashes include Texas, Florida, and Pennsylvania, Georgia, and California.
Over half 1 million large trucks and commercial vehicles ended up in accidents in 2010. In these crashes, over 100,000 people sustained serious injuries, with over 5008 cal resulting. These numbers will most likely continue to elevate as over 20% more trucks are expected to hit the roadways within the next couple of years.
Here are a few reasons for getting in touch with a truck accident attorney:
The driver of a truck ran you off the roadway and your automobile is damaged. If the truck driver maintains insurance, the truck driving company may accept liability and pay for your expenses directly. However, if the trucking company will not pay you or if the truck driver has no insurance, you should definitely contact an attorney to assist.
If your vehicle was damaged by a truck and you have sustained injuries, this could be anything from a ligament or a muscle injury the possibly something more serious such as a broken bone or internal injuries. You may be at risk of getting fired from your job or losing the ability to work in your profession. It would be in your best interest to find a truck accident attorney who is experienced as you may need to file a personal injury claim even with insurance being involved.
Are you involved in a lawsuit between a truck driver and yourself in an accident that was not your fault? This could turn into a “he said she said” situation. An attorney can help you tremendously in this situation as there may be a need to notify insurance companies, contact police officers, contact witnesses, with a personal injury attorney helping you out it might make this easier. The best weapon on your side is innocence, and a lawyer can help you present that in the best way possible.
Hopefully this problem will never become your reality, but you should happen you should maintain a low threshold for getting in touch with a truck accident lawyers. Ask your family and friends for recommendations, and then look at references. In in person meeting should be held with the prospective lawyer, and you should not agree to a meeting with a “contract runner.”
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Tags: accident, accident attorney, affordable car insurance, auto insurance, automobile insurance, car accident, car insurance, crash, insurance, lawyers, legal, personal injury, property damage, truck accident, trucking, trucks Posted in affordable car insurance | No Comments »
Friday, November 11th, 2011
When classifying commercial motor vehicles, trucks range from small straight trucks up to extremely large oversized trucks. In order to drive the use commercial motor vehicles, individuals in America must maintain a commercial drivers license to get behind the wheel of a truck with a Gross Vehicle Weight Rating.
Components of a commercial drivers license examination consists of both a general knowledge test along with a skills test. The truck driver needs to maintain expertise in backing up, stopping, turning, driving on both city and highway roads, and also weaving through an obstacle course. Commercial drivers licenses come in classes A, B, C, and only the holders of class A licenses can operate the larger trucks.
The primary safety tip for truck driver safety is satisfactory to maintain a space cushion in all dimensions. Also be sure to keep a visual on the height cushion above the vehicle such as tunnels along with the road surface (e.g. speed bumps, road hazards, and potholes). Along with this, be certain to keep enough rear and forward space available for stopping to be certain of turning radiuses for safety.
Looking at traffic and weather conditions prior to a driving trip may lead to safer driving. This can allow the driver to avoid inclement weather areas or a potential accident. Along with this, increased traffic may lead to bad decisions from impatient driving which may lead to an accident putting one’s truck safety at risk.
Another part of pre-tip planning is inspections. Routinely performing maintenance of tires, fluids, axles, etc will prevent potential issues.
Driving at safe speeds can prevent fatalities. After all, the National Highway Traffic Safety Administration reported speeding as the #1 factor in fatal large truck crashes in 2009. It always takes longer to brake a large truck than a car, so the safe driving speed and cushion is extremely important.
If normal speeds are kept, the truck tires will still have the traction needed to stop. Driving during rain, mountain areas, hilly areas, curvy roads, at night, etc can all make stopping difficult. Total stopping distance is equal to the sum or reaction distance, perception distance, effective braking distance, and brake lag distance. Adverse weather will lengthen the distance needed to stop.
Unlike a typical auto driver, those in a truck need to look farther down the road because of needed stopping time. Also it is not a good idea to rely on simply GPS, as it does not take into account overpass or bridge clearance. If the GPS says its the shortest route, the top of the truck may end up being gone if not careful.
When backing up, remember a truck is not a car. There are significant blind spots with a truck while backing up so the acronym G.O.A.L. is important – Get Out And Look. Having plenty of mirrors on a truck on each side can decrease the size of any blind spots. This may mean 3 to 5 on each side.
Adhering to these elevated safety tips may help substantially to prevent trucking accidents.
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Wednesday, August 24th, 2011
If you have started your own personal business where you may use trucks to create deliveries, compared to the primary thing that must be in your head is you’ll want to get commercial truck insurance. Trucking insurance is very not the same as motor insurance even though they do a similar thing. The very first factor for here is the size of the vehicle, semi trucks have become large. Being larger does mean it has more power and mass and during any sort of accident is actually a wrecking ball on wheels. Consider that the next occasion you try to force one over.
Having a truck out traveling may be one of the most expensive assets in your company so you must make sure you do everything you can to keep it protected and insured. It saves your fortune. Risky situations is visible and met anywhere on view road, and the damage it may cause to future victims and the equipment may be high priced enough to bring a company down. This is exactly why truck owners look at the best truck insurance.
You will find a lot of parts to a policy to obtain a quote just on the web and think something is covered if it is really perhaps not. An example to think about is gap insurance. That is a policy that coves the worthiness of the truck in comparison to what is still owed about it.
Commercial Truck Insurance Coverage’s that every owner/operator should be worried about are:
* Primary Liability Insurance: * Bodily Injury Insurance * Hospital and medical bills * Rehabilitation * Long-term nursing care * Funeral expenses * Lost earnings * Pain and suffering * Other damages * Non-Trucking Liability Insurance * Medical expenses or death caused to others * Property damage caused to other people * Physical Damage Insurance * Collision insurance * Comprehensive insurance * Fire and Theft with Combined Additional Coverage’s * Other Commercial Truck Insurance Coverage’s that you need to consider: * Uninsured Motorists * Motor Truck Cargo Insurance * Most insurance carriers will help you with financial responsibility filing for state and federal filings
Truck Insurance isn’t something you intend to take up a business without, particularly when you have valuable assets traveling and from your business. The business owner has to be concerned about their trucks on the way. It is therefore better obtain an estimate for insurance for commercial trucks to make sure that wealth and businesses are protected.
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