wages Tag

When Full Coverage Isn’t Full Coverage

hen Full Coverage Isn't Full Coverage

So, you’re driving your brand-new car after a heavy rain storm has rolled through. You make a sharp turn and end up sliding across the road due to an oil slick and smash into a barrier. Now it’s time to call a tow truck and get a rental because your car might be in the shop for a while. Luckily you have full coverage insurance…right? According to the Department of Motor Vehicles, the term “full coverage” does not actually mean full coverage. This term refers to the combination of collision and comprehensive. Collision insurance covers the damage to your and comprehensive car insurance pays for damage to your vehicle caused by covered events such as theft, vandalism or weather relate damage not related to an accident. Having a full coverage auto insurance policy doesn't necessarily mean that you have full protection for every situation. When you select a full coverage insurance plan, your policy will automatically be set to the lowest amount required, which varies from state to state. In certain circumstances, it could even mean you don't even have decent enough protection. It’s important to not rely on the generic “full coverage" policy and ask yourself what coverage best meet your needs....

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Cell Phone Uses Causes Thousands of Accidents a Year

The National Highway Transportation Safety Administration (NHTSA) reports that each year in the United States, car accidents related to cell phone use account for more than 200 fatalities and 500,000 injuries. NHTSA also reports that cell phone use causes one out of every four car accidents. In addition to talking and texting, taking photos, watching videos, and looking at GPS are becoming more and more distracting. It can take less than a second for an accident to happen. Basically, a driver is so distracted by their phone that they fail to hit the brake or move out of the way of other cars. BAM! It’s obvious that driving with one hand significantly lowers the driver’s ability to drive, especially in conditions that need require full control steering wheel, like driving on the freeway or in traffic. According to the Association for the Advancement of Automotive Medicine, all 50 states in America enforce an obligation on every driver to other drivers who share the road, which is to look out for the safety and welfare of every other driver. By intentionally engaging in distractive conduct by using their cell phone, the driver violates his duty of care to other drivers. At One...

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Settling for Loss of Wages

Settling for Loss of Wages

Car accidents come out of nowhere and if you get injured that you get in one, it can keep you from going to work and earning the money you would normally receive if it wasn’t for the injury. There are many reasons a person might not be able to work and earn money (which are based largely on past earnings) after being injured, including physical therapy sessions, being hospitalized, and lack of mobility. According to the Department of Motor Vehicles, lost wages can include: Lost wages for the period during which you do not work. Lost earning capacity if you sustain a long-term disability from the accident and cannot make as much money as you did before the accident. Lost opportunities, such as missing a job interview while you are recovering from the injury.   Generally, to recover your lost wages in a car accident case, you must make a request with your insurance, the other driver’s insurance company if they are at fault, or if the case is serious enough, file a lawsuit against the other driver. When you are submitting a claim, make sure you include detailed and accurate statements about your lost wages. When you calculate your lost wages, you'll need to...

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