Tell me about truckers

By on 11-28-2015 in Workplace Injury

I saw a truck that flipped outside of Memphis the other night, and it got me wondering about a few things.

First, how does that even happen? I’d love to know the specifics of how fast a truck like that has to be going and what kind of load it has to have in order for the thing to just flip like that, to completely lose control. It seems to me it can’t be easy. I know they’re big and cumbersome machines, but they are so heavy, it must take a lot of speed and a pretty sharp corner.

It was on an exit ramp, so I guess that makes sense. Dude must have been running pretty late.

Second, who pays for that? Who pays if a truck flips? I assume the trucker doesn’t. Do truckers own their trucks? I don’t think they usually do. I think the trucks belong to the trucking companies, and I assume they have insurance, so does the insurance cover the flipped truck, or does the insurance only cover accidents that the driver isn’t responsible for?

The more I started thinking about all this, the more curious I became. I’m still curious, mostly because I’m lazy. I’m just not willing to actually look up the facts, I guess, so I’m hoping someone around here will just post and explain it all.

Another question. I know that truckers can get sued by truck lawyers, or whatever you might call them. Like the guys I linked to just there. But, who pays when the trucker is sued? The driver? Surely not. They wouldn’t have the money. The company? Maybe. The insurance? But then we’re right back at the same problem. What does the insurance cover? Insurance is amazing like that to me. It’s both very fascinating and incredibly boring. Far too boring for me to even google. I’m telling you, I hope there’s an expert out there willing to write and explain it all. Otherwise, I’ll die curious in fifty years.

I suppose it all comes down to the natural fascination with trucks. You drive by them every day and don’t think about them at all, but once you do start thinking, it’s like you’re a kid again, playing with those Hot Wheels trucks and crashing them into things, dreaming about driving a big rig.

It’s one of those jobs, as well, that you see everywhere and yet don’t really know what it’s about. Like working in a factory. If you see it on TV, it’s always a stereotype of a blue collar guy that’s on the screen for five minutes and then gone. What is the life of a factory worker or a trucker really like?

I honestly don’t know. That’s something I would like to find out about.

But again, I’m too lazy, so I hope someone else will do the work for me.

Keeping an Eye on Stock Broker Misconduct

By on 11-28-2015 in Workplace Injury

Understanding all of the ins and outs of proper investing is a task that many people need not bother themselves with since they will never need to handle that much money or make decisions about where it should go. Even those that do have to use all of their time keeping their business running, so the task of moving money around is delegated to a specialized force of financial advisors called brokers. However, these advisors are subject to the same vices like everyone else, and there is a surprising lack of oversight to make sure they are not doing anything illegal.

According to this Reuters special report, the Financial Industry Regulatory Authority, or FIRNA, could be doing a lot more to prevent broker misconduct from occurring. FIRNA keeps data on brokerage firms and individual brokers that have had a history of misconduct, and individuals can look up firms on their website before they invest with them too if the firms have any dings on their record. If you suspect misconduct was occurring – like “churning,” where the firm makes many more trades than necessary (often against what the market would advise) and charges you exorbitant fees for doing so – then you can file a report with FIRNA, and they will investigate. If the firm is found to engaging in illegal activity, then the brokers responsible will be blacklisted and fired, but this does not guarantee that they will not be picked up by a smaller firm and put to work again. FIRNA claims that this detrimental hiring practice is not technically illegal, so there is not much they can do. However, because they do not have a proper database of brokers and firms, and only one search can be done at a time, it would take an investor an exorbitant amount of time to track what firms engage in hiring brokers they know to have bad records. Since FIRNA is not a government agency, they are under no obligation to provide such a database, and since they are funded by member firms, it is possible it would be against their best interest.

Considering how much damage can be done by brokers and firms that engage in misconduct, there should be a non-biased government agency that oversees them and ensures that all misconduct is severely punished and that other firms cannot hire brokers with bad records. Until one is created, broker misconduct lawyers can help fight against illegal activity. FIRNA can refer criminal cases to the SEC, but the lawyers will be needed to make sure justice is upheld.

A famous quote from the Great Gatsby claims that “the rich are different from you and me,” but in reality, they are humans like the rest of us and should have to follow the same rules. While a self-regulatory NGO is not inherently a bad thing since privately funded organizations free up government money for other pursuits, laws should be made that ensure these agencies are as transparent as possible.

How Does a Truck Accident Happen in the First Place?

By on 11-28-2015 in Workplace Injury

Everyone experiences the fear of driving alongside a large truck, worrying that you might be in their blind spot or that the truck-driver neglects to see your tiny vehicle on the road. Knowing the damage that trucks can cause on the road, many drivers fear these giant vehicles. If the unthinkable happens and you are injured in a truck accident, you can reach out to experienced lawyers to earn the deserved compensation. Truck and 18-wheeler accidents are often more involved than normal accidents because most truck drivers are backed by an entire corporation, meaning that the driver him or herself might not hold sole responsibility for the damages. In fact, many groups may find themselves involved in the injury, which could mean multiple sources of compensation for the injured individual.

In many cases involving a truck or 18-wheeler accident, the injured faces a huge team of lawyers associated with the truck-driving company. This makes the case immensely more difficult for the already suffering plaintiff. For a better chance of winning such a truck accident case, the plaintiff often requires the help of skilled and experienced truck accident attorneys. Without an attorney, the chance at compensation may be next to nothing.

Contrary to popular belief, passenger-vehicle drivers are often to blame for truck accidents because of many rules that must be followed by drivers to prevent truck collisions. Due to limited visibility of truck drivers, there are “no-zones” behind large trucks where other drivers should not drive. It is also not appropriate to drive between two large trucks, change lanes quickly while in front of a large truck, or commit unsafe passing procedures. There are also several reasons the truck driver could be at fault, however. Simply not following safe and proper driving procedures could make the driver liable. Large truck drivers might also feel too much stress from their company to rush their transportation, causing wrecks that could have been avoided with a more realistic time schedule. Many truck drivers are on a mission to drive certain distances within specific time periods and might find themselves neglecting proper driving etiquette and safety precautions. There are also many rules and regulations pertaining to the safe driving of semi-truck operators, such as regulations on the weight trucks are allowed to carry, length of driving time allowed per driver, and repair and maintenance requirements.

If infringements of these rules, regulations, or norms is to blame for the accident, the injured person may be liable to gain compensation for damages incurred by the accident. An example of such a case is the compensation of $1,850,000 by a semi’s insurance company to pay for the plaintiff’s damages that included multiple broken bones and surgeries after a head-on collision where the truck driver was at fault. Don’t suffer through the damages of a truck accident without fighting for the payment you deserve.

Dental Crowns

By on 11-28-2015 in Workplace Injury

Crown dentistry is an out-of-the mouth dental treatment. After the dentist makes a mold of your teeth, he will then make a crown after this replica. Dental hygiene, good oral health and tough material can make a crown last for 10 years or more; besides this, a crown can improve your set of teeth’s appearance, repair tooth damage and fit more comfortably than other treatment options.

A dental crown is a tooth-shaped cap that is placed over a tooth. It made from a tough substance, like porcelain. It keeps your tooth from further decay, damage, cracks and deterioration by capping it. It is usually performed following a root canal or other invasive treatment.

It is explained by the American Dental Association that a dental crown can help strengthen a tooth with a large filling when there isn’t enough tooth remaining to hold the filling. Crowns can also be used to attach bridges, protect a weak tooth from breaking or restore one that’s already broken. It may also be needed in order to:

  • Protect a weak tooth from breaking (usually due to decay) or to hold parts of a cracked tooth together;
  • Restore a broken tooth or a tooth that has been worn down;
  • Cover and support a tooth with a large filling;
  • Keep a dental bridge in place;
  • Cover severely discolored teeth or a dental implant; or,
  • Make a cosmetic modification.

Materials for permanent dental crowns include stainless steel, metal (such as alloys that have a high content of platinum or gold, or base-metal alloys, like cobalt- chromium and nickel-chromium), ceramic, resin, porcelain or a mixture of any of these materials. Porcelain crowns, though less durable, are typically the most natural-looking option.

According to the Passes Dental Care clinic, a dental treatment involving crowns takes about 2-3 visits over the course of 3-4 weeks. After the procedure is completed, it is required that you continue proper dental hygiene, daily brushing and daily flossing to help prevent bacteria, gum disease, and plaque to ensure that your crowns last a lifetime.

 

Insurance Companies have an Obligation to Act in Good Faith and Operate in the Best Interests of Their Policyholders

By on 11-28-2015 in Workplace Injury

Carrying car liability insurance is just one of the ways drivers can show that they have the capability to compensate those who they may injure in accidents wherein they are at fault. In the states of New Hampshire and Virginia, drivers are allowed to choose any state-approved way of showing financial responsibility as an alternative to carrying auto insurance.

Carrying car liability insurance was first made compulsory in 1925, with Massachusetts and Connecticut as the first two states to impose it on drivers. Having auto insurance was made compulsory for three reasons:
First, because there were signs which said that cars will crash (probably due to mechanical defect or driver negligence);
Second, as cars crash, someone is more likely to get injured, besides properties getting damaged; and,
Third, which is also the most important reason, to enable at-fault drivers cover cost of damages to victims and never default on making compensatory payments.

Now called the Financial Responsibility law, this mandate is directed to anyone who wants to have driving privileges in the U.S.

Payment of compensation depends on the type of liability system recognized in the state where the accident occurred. In “tort” or “fault” states the victim is compensated by the at-fault driver’s insurance provider; in “no-fault” states, however, both drivers are compensated by their own insurance providers regardless of who was at fault in the accident.

It is but natural for a driver, who diligently pays his/her insurance premiums to expect financial protection from his/her insurance provider in the event of a car accident. According to an Ontario car accident lawyer, however, “most insurance companies operate like businesses, whose only concern is their profit. They will provide sub-par coverage, underpay your settlement, or unjustifiably deny a claim to protect their bottom line. These bad-faith insurance practices are infuriating, not to mention unethical, and deceive policyholders into false promises of coverage. When insurance companies abandon you at the moment you need them most, you are left to pay expensive out-of-pocket prices that cause substantial financial burden.

Insurance companies have an obligation to act in good faith and operate in the best interests of their policyholders. To help ensure that you can collect the total amount of benefit stipulated in you policy, insurance claims lawyers may be able to provide just the type of legal assistance that you need to confront companies that employ underhanded tactics to avoid paying out a claim. After an unanticipated accident or natural disaster, you deserve to obtain the coverage that will help you recover, including damages from medical bills, property damage, and ongoing rehabilitation.”