On-the-Job Car Accidents

Fearing a car accident can be a constant worry if your job requires you to be on the road. This mainly concerns commercial truck drivers, employed to supply necessary services by way of transporting goods (either raw or finished) over long distances. Driving heavy trucks for long periods of time exposes a truck driver to many risks and dangers, and these can accumulate to cause truck or car accidents which can be devastating.

According to Pohl & Berk, LLP, there could be numerous mistakes that can bring about potential truck accidents. Among them are distracted driving, failure to follow traffic signs and signals, and intoxication. However, one of the top causes of truck accidents is drowsiness while driving. Drowsiness while driving is often compared to being intoxicated, and could likely cause serious damages and injuries.

On a recent research conducted by the University of Minnesota, obstructive sleep apnea (OSA) is one of the causes of sleep deprivation for truck drivers. Although federal law does state a minimum amount of rest for truck drivers, those who are suffering from OSA lack “restful” sleep and can suffer from decreased oxygen intake, which in turn makes them feel tired and drowsy the next day. OSA coupled with shifting schedules of driving and sleeping can be a dangerous combination that can end in disaster.

Because of the sheer weight and size of commercial truck, injuries from truck accidents can be overwhelming. Among the serious injuries that can occur are traumatic brain injuries. Serious head injuries can affect a person’s life, and could hinder their way of living. An article on the website of Robert Wilson & Associates, head and brain injuries not only cause physical and emotional trauma, the life-long treatment can be financially hard to keep up with. This situation can be made even harder if the car accident was not your fault, but cause by another person’s negligence or carelessness.

Truck drivers, along with every other motorist, should be aware of the dangers that come with getting behind the wheel. Despite the strong advocacies about safe driving and aggressive traffic enforcements, you can’t control the way other drivers drive their vehicles. Therefore, the only way to ensure safety while driving is to stay healthy, alert, and practice defensive driving.

If you have been injured in a truck accident due to a truck driver’s negligence, contact the truck accident attorneys of KFF Law, today. You shouldn’t have to suffer through this alone, and an experienced truck accident attorney will be able to guide you through the complexities of your case.

Car Insurance Deductibles

If getting an insurance policy seems hard enough, you might get more confused when technical terms start to come in. Among them being thrown around is the word “deductible”. It is one of the things that should be taken into consideration when choosing the right or suitable auto insurance for you. Understanding what is a deductible can make you more confident in deciding which insurance best caters to your needs.

A deductible in car insurance terms is your personal responsibility for covering the damage, as compared to the responsibility of your insurance company to cover the damage. In simple terms, a deductible is the amount you pay from your own pocket before the insurance coverage takes over. For example, the total amount of repair bill is $1,000 and your deductible is $600, then the auto insurance company will pay for the remaining $400.

Most people prefer to have higher deductibles because it allows them to have lower premiums (meaning they pay less insurance) and could save them some money. Although it seems like an attractive option, it is still important to choose the right deductible as it can impact your insurance rate. Your deductible can also affect your financial stand on certain types of claims.

One of the major factors you should consider when determining your deductible is how much money you can save each year on your policy as compared to the amount you would be responsible personally. Think about how much you are willing to pay without straining your budget or yourself. Take into consideration your income, personal savings, family budget, and even your available credit to ensure how much you are capable of covering damages. Also, frequent accidents in your area may call for lower deductibles to save you from financial troubles.

Habush Habush & Rottier S.C.® claim that having a better understanding of how deductibles work and how they can benefit you in the long run could be key in getting the right auto insurance coverage at the right price. Talk with a qualified auto insurance agent who could explain to you the advantages and disadvantages of different deductible rate.