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When does an injury arise from employment?

For you to collect workers’ compensation, your injury must be work-related. According to National Paralegal College, there are two criteria you must demonstrate for a work-related injury. One of these is that your injury must arise from your employment. In other words, an employment hazard must be the source and the cause of your injury.

You might think that it would be a simple matter to establish that your injury arose from your employment. It may be if your injury resulted from acute workplace trauma. However, there are circumstances in which it can be more difficult to establish that the injury arose from employment.

Repetitive stress injuries

Repetitive stress injuries do not result from a single traumatic event. Rather, they result from a series of microtrauma that has a cumulative effect over time. In the absence of a single acute injury, it can be easier for your employer or the insurance company to argue that the injury did not arise from your employment but has some other cause. Your treating physician may have to provide specific evidence showing that the injury did arise from your work.

Aggravation of a pre-existing condition

You may have an injury or illness that occurred or developed prior to your employment. The pre-existing condition may or may not have been work-related in the first place. However, if your job activities or an accident at work made it worse, then the new or worsened symptoms arose from your employment.

It can be a tricky business to determine the extent to which your current job contributed to your symptoms. Your employer may try to argue that your employment was not a factor at all.

How does drowsy driving factor into crashes?

Residents of New Jersey understand that drowsy driving is not always safe. But do you understand how much of a risk it is? Do you know how many people one drowsy driver may put at risk?

Today we will take a closer look at drowsy driving. We will see how it factors into car crashes. We will examine the true impact of drowsy driving on the safety of all drivers on the road.

The risks of drowsy driving

The Centers for Disease Control and Prevention take a look at factors of drowsy driving. For example, drowsy driving is one of the most common types of distracted driving. Many people do not even know that it is a form of distraction. People drive without getting enough sleep often. It is a somewhat normalized thing in many societies.

But drowsy driving impacts a driver’s abilities. This is similar to texting and driving or drunk driving. Many drowsy drivers cannot spot danger in time to avoid it. They have dulled reactions and slow reaction times. Rear end crashes are common. This is because drowsy drivers do not notice the car ahead stopped or slowed down in time to avoid hitting them.

Falling asleep at the wheel

They may even fall asleep at the wheel. This is the ultimate risk because it means a driver is unconscious. They cannot react to anything while asleep. This leads to many devastating crashes.

In 2013 alone, an estimated 6,000 fatal crashes occurred because of drowsy driving. Statistics likely rise as the years go on. One of the best ways to combat dangerous driving behavior is to stigmatize it. If drivers create a stigma around drowsy driving, will it help? It may discourage this behavior and make the roads a bit more safe.

What are New Jersey’s auto insurance requirements?

As in other states, New Jersey drivers must prove financial responsibility for accidents that occur. If you have a collision, you can seek compensation for injuries and property damages from your car insurance policy or a responsible motorist’s policy.

Before moving to the Garden State or getting your license here, make sure you comply with the state’s minimum auto insurance requirements.

Basic auto insurance policy

The state offers a basic policy with the bare minimum car coverage at an affordable price. This policy includes:

  • $15,000 in personal injury protection per person per accident, with up to $250,000 in coverage for certain catastrophic injuries
  • $5,000 in property damage liability coverage per accident
  • The option to add $10,000 in bodily injury liability coverage per accident
  • Optional comprehensive and collision coverage

The basic New Jersey auto insurance policy does not provide uninsured or underinsured motorist coverage, which pays for damages when you have an accident with a person who has no car insurance.

Standard auto insurance policy

If you want protection beyond the basics, New Jersey also offers a standard tier of coverage. This type of policy includes:

  • $15,000 to $250,000 in personal injury protection per individual per accident, with up to $250,000 in coverage for certain catastrophic injuries
  • $5,000 to $100,000 in property damage liability coverage per accident
  • $15,000 per person and $30,000 per accident of bodily injury liability coverage, with available maximum of $250,000 per person and $500,000 per accident
  • Optional comprehensive and collision coverage
  • Uninsured and underinsured motorist coverage available up to the level of your liability coverage

If you have a New Jersey driver’s license and choose the basic auto insurance policy, you have a limited right to sue for damages in an accident. Individuals who have standard state auto coverage retain the right to sue for damages that exceed the responsible driver’s auto insurance policy.

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