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Types of Airbag Defects

Posted By on Jul 15, 2015

Air bags are designed to be a safety feature that prevents additional harm to the occupants of a vehicle in the event of a crash. However, according to the website of Crowe & Mulvey, LLP, sometimes the air bags do not deploy properly, or do not deploy at all. When this happens, serious injury can be caused. Typically air bags either fail to deploy, deploy at the wrong times, or deploy improperly.

The website of Habush Habush & Rottier S.C.® states that air bags are meant to provide a soft cushion for occupants to strike to prevent them from hitting the steering wheel or dash, so when an air bag fails to deploy, the occupants have little protection. Even when wearing seatbelts passengers can fly forward with the force of the crash and hit their heads on the dash of the car. This results in very serious, traumatic injuries such as facial deformation, brain trauma, and in some cases, death.

Air bags can also deploy at the wrong times. There is only a split second window during a crash when the air bag needs to deploy in order to prevent harm to the passenger. If it misses this window the passenger can still hit the dash or steering wheel, although not as forcefully. Defects can also make the bags deploy when the car is turned on or when you hit something minor, such as a pothole or curb. The force of a deploying air bag on a stationary person can cause broken noses, whiplash, and concussions among other injuries.

Some defects cause air bags to inflate more or less that they should. When an air bag deploys with too much force it can actually cause more injuries to the passenger. Forceful air bags can cause face and brain trauma, but can also break necks and in very serious cases, cause partial or full decapitation. When an air bag deploys but does not inflate completely it is unable to protect the passengers like it is designed to. Without enough inflation passengers will still be able to hit the dash and be injured.

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Long Term Disability Benefits

Posted By on Jul 13, 2015

Long term injuries are hard to handle in every aspect and require a lot of medical attention, which gets expensive quickly. Just because you have been injured or suffer from an ailment that prevents you from obtaining work doesn’t mean you have to live in poverty. However, according to the website of the Hankey Law Office, the US social security system has two plans that you may qualify for. Both options require that you have an injury or ailment that will last for at least one year, and that injury/ailment must prevent you from finding work.

If you have been working and paying taxes for a certain amount of time, you may qualify for social security disability insurance. This plan is funded through the social security taxes and is meant more for those whose injury or ailment will heal with enough time. The amount paid will vary depending on your financial need, dependents, and how long you worked before your injury. Your dependents may also qualify for coverage depending on your particular situation.

If you have not been working and paying taxes long enough, then you can qualify for supplemental security income. This plan is funded through general taxes and will only pay for basic needs. This program is intended for the elderly, blind, and disabled with little or no income, although others are accepted into the program as well. Dependents may also receive assistance under this plan, but the coverage varies.

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Insurance Bad Faith

Posted By on Jul 11, 2015

Insurance is a safety net for many families in the event of an accident. Many need the money promised in order to recover and return to a normal life in a reasonable amount of time. Unfortunately, according to the website of Smith Kendall, PLLC, it is not uncommon for insurers to try to avoid liability so that they do not have to pay families the money they owe. There are three main areas in which insurers can act in bad faith: coverage disputes, deceptive trade practices, and code violations.

Coverage disputes are when you and your insurer disagree over whether or not particular damages are covered in your plan. This can occur from deceptive practices and representation by the insurer that makes you believe something is covered when it is not, miscommunications about your coverage, or sudden changes to your coverage that were not properly explained to you.

Some insurers also participate in deceptive trade practices. This can include false advertising, exaggeration or misrepresentation of coverage, false statements and flat out lies about the necessity for certain packages or coverage. Often these are ways to lure you into purchasing coverage that is not beneficial for you or make you believe that more is covered in your plan.

Sometimes you are in the right of the situation and your insurer flat refuses to pay you what you deserve. This is a violation of insurance codes and is illegal. The law requires insurers to honor the coverage plans you have been paying for, and in the event of an accident or damage, they must make the payments they owe you in a timely manner.

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According to the website of Williams & Kherkher, more than 2 million automobile accidents occur every year in the US. Of those, approximately 31% involved drunk drivers. Alcohol affects the body in numerous ways including, but not limited to, blurry vision, difficulty concentrating, reduced reflexes, and general difficulty understanding what is happening around you. The severity of the effects depends on the amount of alcohol consumed. The website of the car accident lawyers at Habush Habush & Rottier S.C. ® states that the US has adopted a blood alcohol concentration (BAC) limit of .08%, but your body is still affected at lower levels.

At a BAC level of .02% you start to feel more relaxed, your mood is altered and you may have a little difficulty performing more than one task at once but you are still generally able to function properly. At a BAC level of .05% your vision starts to become impaired, your judgement will be affected, and you will begin to have trouble reacting quickly. At .08%, the legal limit, your vision, muscle coordination, and cognitive ability are seriously affected. This is when you will be unable to stand properly, will not always answer questions logically, and may suffer from memory loss. Driving under these conditions is dangerous as you will be unable to react appropriately to the constantly changing road conditions.

The website of Goings Law Firm, LLC states that because drunk driving accidents are very preventable, there are serious repercussions to the driver. Because of this, it is important to drink responsibly. Remember that your BAC will continue to rise up to 3 hours after your last drink, and it takes a little more than an hour for your body to process one standard drink so give yourself plenty of time to sober up before getting into a vehicle.

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