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: Is there insurance for bicycles?

You get auto insurance to cover you for a car accident and homeowner’s insurance to protect your home, but what about your bicycle? Do insurance companies offer bicycle insurance? This may be an important thing if you ride your bike a lot and face the potential of an accident or other issue with your bike.

According to Progressive, you usually do not need an insurance policy specifically for your bicycle because your other insurance policies will typically cover any needs you have. As long as you have auto insurance and either renter’s or homeowner’s insurance, you should have coverage for a variety of issues you have with your bicycle.

Coverage

In the event you have an accident on your bicycle, you can usually make a claim to your renter’s or homeowner’s insurance and get money to fix any damage to your bike. If you cause an injury accident, these policies may also payout on any claims against you.

When your accident involves a vehicle and injuries to you, your auto insurance will usually pay for some medical care. It may also pay for lost wages. If the other driver has no insurance, you may also get paid on a claim if you carry uninsured motorist coverage.

If you damage your bike in some way other than an accident situation, then your renter’s or homeowner’s insurance will likely cover the damage.

One note

You should note that some companies may make you specify that you want coverage for your bicycle. Policies may also have exclusions for bicycles. It is imperative to know what your policy says and covers to avoid not having coverage when you need it.

The most dangerous jobs are in the construction fields

Workers on construction sites face the highest risk of accidents causing life-altering injuries. Whether counting incidents in the roofing, demolition or extraction industries, statistics show that accidents in construction have increased. 

Serious workplace injuries have become more predominant since the rise of the gig economy. Companies hiring temporary or “gig” workers may forgo providing adequate training. This is a dangerous omission that can place inexperienced workers in hazardous situations. 

Employers may expect gig workers to have had past experience and training before hiring them, but may not always take steps to be certain. In cases where a gig worker fully understands how to perform a job safely, however, it does not absolve a company of its responsibility to provide the required safety equipment. 

The highest volume of serious injuries take place on construction sites 

According to the Bureau of Labor Statistics, construction site accidents accounted for the highest volume of incidents resulting in serious injuries outside of the service industries. During 2018, at least 22,000 accidents resulted in construction workers sustaining injuries because of a fall, slip or trip. The number of incidents of falls from a high to lower level reached 11,960. Weak scaffolding and an open surface reportedly caused the most serious injuries related to falls. 

As reported by CNBC, vehicles caused the most catastrophic injuries to workers on construction sites. Without adequate training, an inexperienced worker operating heavy equipment may strike other vehicles or construction site workers. Whatever the cause, a worker suffering an injury should seek immediate medical attention regardless of whether he or she is working under the terms of a temporary gig arrangement. 

Recovery may require legal action 

By law, a Garden State employer must provide its construction sites with the proper harnesses, ladders and properly maintained safety gear. If a worker suffers from an injury while on the job, he or she may file a claim against a company that has failed to comply with safety regulations. A legal action may provide compensation for medical treatment, rehabilitation and loss of wages. 

 

What should you do after a dog bite?

In the aftermath of a dog bite, you may feel frightened or disoriented. However, it is important to take care of your injury as soon as possible. There are a few things you should do right after the bite occurs. 

After a dog bite, it is important to get away from the animal. Healthline says that once you are not near the dog, you can assess the severity of your injury. If an injury is not serious, you may sometimes be able to care for it at home. You should typically use soap and water to wash the bite. Sometimes a dog bite breaks the skin and in this situation, you may want to put some pressure on the bite so it bleeds a bit. This is because a bit of bleeding can help remove germs from the wound. Once you clean the wound, it is a good idea to cover it with a bandage. 

Sometimes you may think that if a dog bite does not look serious, you do not need to worry about it. However, it is important to remember that dogs typically have bacteria in their mouths. These bacteria might cause an infection. Because of this, it is a good idea to keep an eye on the wound as it heals. You should usually look at it every day to make sure the bite spot does not get swollen or turn red. Additionally, the wound should not become tender. If you notice these developments, it is a good idea to go to the doctor. 

Sometimes you may need to seek medical care immediately after the bite. You should generally go to the doctor if you can see muscle, tendons or bone. If the wound is very painful or will not stop bleeding, it is also a good idea to get treatment. Sometimes the dog that bit you may look sick or behave oddly. In this situation, it is important to seek medical attention. 

Can you recover compensation for PTSD after a car accident in NJ?

A car accident can be an extremely traumatic event. In fact, because of the increased frequency of car accidents and the devastating injuries they can cause, car accidents are one of the leading causes of post-traumatic stress disorder. If your car accident was severe enough to trigger PTSD, you may wonder if you can recover compensation for the ways the behavioral disorder negatively impacts your life. According to FindLaw, the good news is, you can. 

When you file a personal injury claim, you may notice that damages fall into one of two categories: Special or general. Special damages refer to losses that are easy to value. Those include medical expenses, property damage and lost wages. General damages, on the other hand, are not so easy to translate into dollars. Damages for pain and suffering, loss of enjoyment of life and mental anguish fall into this category. 

Because the effects of PTSD are difficult to value, the judge would consider the condition and the symptoms as general damages. To ensure the judge understands the full implications of the condition on your everyday life, you may need an expert to testify on your behalf. The testimony should establish the following: 

  • Whether or not you have a confirmed PTSD diagnosis 
  • Whether the condition is the result of the car accident in question, or if you lived with it prior to the incident 
  • The prognosis of the condition, such as for how long a medical expert expects it to last, and how that would translate in dollar amounts 

One factor to consider when filing a claim for damages is the time it took you to obtain a diagnosis and request treatment. Because the condition is not fully understood, victims and their families often do not notice the warning signs until the symptoms have grown increasingly worse. This results in a delay in diagnosis and treatment, both of which may negatively impact a victim’s case. 

Workers’ compensation: OSHA issues fines for workers’ injury

Employers are responsible for protecting their workers; it is as simple as that. However, some employers in New Jersey seem to take this as more of a suggestion than a legal expectation. The Occupational Health and Safety Administration (OSHA) recently fined a company after one of its workers was seriously injured — one who likely needed help from workers’ compensation.

The worksite accident happened back in Aug. 2019. The victim — a crane operator for an aluminum manufacturer — was seriously hurt by a steel plate that fell from a crane. He was taken to the hospital and then admitted for further treatment. His employer was supposed to report his injury and hospitalization to OSHA within a period of 24 hours, but it missed that timeframe. It is not clear when the company actually reported the accident.

OSHA issued four citations against the company, one of which was for failing to report the employee’s hospitalization on time. The aluminum manufacturer was also cited for not conducting annual inspections of its cranes and for not securing and balancing the crane’s load. The company is expected to pay nearly $170,000 in penalties and was placed in the Severe Violator Enforcement Program.

While it is good that OSHA exists to identify violations that cause workplace accidents, it often seems as if this only happens after victims are already hurt. This means that workers’ compensation benefits have to play a supporting role in these victims’ recoveries. Otherwise, some people in New Jersey might feel forced to return to work before they are ready, risking further injury and compromising financial security.

Motor vehicle accidents may involve pedestrians too

It is no secret that car accidents often result in serious injuries, but you might be familiar with only one side of this problem. While motor vehicle accidents certainly injure people in cars, bicyclists and pedestrians can suffer injuries too. Even areas designed to accommodate people on foot and bike are not as safe as you might thin. (more…)

Your rights with a pre-existing repetitive stress injury at work

Repetitive stress injuries develop slowly over time. Although you may not realize it, you may contribute a small amount to this cumulative injury every day that you work. Performing the same tasks day after day can place an inordinate amount of strain on your muscles and connective tissues.

It is possible for someone to develop a repetitive stress or motion injury in any part of their body that they frequently use for repetitive tasks, including lifting, twisting, gripping and maneuvering. Even typing at a computer for long amounts of time can result in serious, even permanent injury. (more…)

Workers’ compensation: Construction worker hurt on New Year’s Eve

Although most people in New Jersey might have spent New Year’s Eve celebrating the changing of the calendar, there was at least one person who was not able to participate. That person is a construction worker who was injured at work on that day. Even though the accident occurred in 2019, he can still pursue workers’ compensation for any related injuries. (more…)

Personal injury: Motorcycle riders face greater risks

The experience of riding a motorcycle is wholly different than that of sitting behind a steering wheel. Although there is no right or wrong choice when it comes to transportation preferences, New Jersey motorcyclists often enjoy the sense of freedom that only comes on two wheels. That freedom comes at a cost. When it comes to accidents and injuries, motorcycle riders are especially vulnerable and may need to understand how personal injury claims can help. (more…)

Slip-and-fall accidents commonly cited in personal injury claims

It does not matter how comedy movies or sitcoms portray them, there is nothing funny about slip-and-fall accidents. Suffering a personal injury during a fall is actually quite serious, and victims may suffer broken bones and even brain injuries. Falls can even happen outside even though they are most commonly associated with indoor accidents. Here are a few things that holiday shoppers should keep in mind when visiting stores. (more…)

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