SR-22 Insurance: What is it? Who needs it?

It comes as no surprise when data from the United States Census Bureau shows that car accidents are a frequent occurrence in roads and highways all over the nation. For the year 2009 alone, the federal government agency noted that a total 10.8 million vehicular crashes had been reported. While the numbers of such accidents have steadily declined in recent years, the U.S. still sees a fair amount of fatalities caused by traffic collisions. According to the U.S. Department of Transportation and National Highway Traffic Safety Administration, a total of 32,719 people have died in car accidents last 2013.

Both of these aforementioned facts are troubling. Roads and highways still aren’t as safe as they can be, and drivers should take heed of the things they can do to ensure such accidents occur less in the coming years. One of the most important points that come up in this regard is the necessity of SR-22 Insurance.

SR-22 Insurance is among the many different safety nets mandated by different state laws to ensure that the safety of motorists and pedestrians are prioritized in roads and highways. It is a type of insurance policy that is required of certain drivers before they can regain their privilege to operate their vehicles once again. In some states, SR-22 is required from drivers that have been convicted of traffic offenses or have committed a certain number of violations over a specific period of time. SR-22 is particularly necessary for individuals who were convicted of driving under the influence (DUI) or driving while intoxicated (DWI) and those that have incurred 3 or more traffic violations within a span of a year or so. Causing a car accident without providing proper insurance information can also cause a driver to be required to have SR-22 before having their suspension lifted.

To get SR-22 insurance, you will need to speak with a reputable insurance company and pay a minimum premium in order to get the required amount for your policy. From there, you can fill out the SR-22 form proving that attained the coverage policy required of you and then have it forwarded to the Department of Motor Vehicles or DMV. There are insurance companies will take care of this entire process, ensuring clients that they won’t have to worry about going through the lengthy and complicated process. If you want the same convenience, do your research and shop for a company that can offer the best services for the most reasonable price.

Workplace Injuries

For the year 2012, the reported number of workplace injuries reported by private industrial employers to the US Department of Labor’s Bureau of Labor Statistics reached almost three million. Injuries due to accidents in the workplace are definitely preventable; but this requires the strict compliance of managers and employers with the federal safety standards enforced by the Occupational Safety and Health Administration (OSHA) and the observance of company policies and guidelines by all employees.

From the (almost) 3 million reported cases of non-fatal injuries, 340,900 were sustained through strains, sprains or tears; 177,580 were injuries to the back; and, 219,630 were due to trips, slips and falls. Reported cases of fatal injuries covering both the private and government sectors numbered to 4,628.

The Bureau of Labor Statistics states that the five top work-related injuries include:

  • Overexertion injuries, which are caused by lifting, pulling or carrying heavy materials.
  • Slipping/Tripping, which is fall on same level, can be caused by tripping obstacles on the floor or by a wet floor.
  • Falling from heights, or fall to lower level, happens when a person drops from an elevated area, such as a stairway, roof or ladder.
  • Bodily reaction, which happens when a person slips or trips without falling. The sudden twist of the body can cause great, prolonged pains.
  • Falling object, which is a very common incidence, especially in construction areas, has often affected not only workers but pedestrians too.

Back injuries, which may result from any of the causes listed above, are the number one complaint of employees that has also led to billions of dollars in compensation insurance claims. OSHA, therefore, works tirelessly in strictly implementing the safety and health standards in the workplace. The Administration also obliges all employers to observe these standards, while simultaneously requiring all employees to act responsibly in observing caution while in the performance of their work.

Though a worker, who gets injured on the job, can apply for the benefits provided by the Workers’ Compensation, Scudder & Hedrick, PLLC, explains in its website that such worker, under certain circumstances, also have the right to pursue further legal action against his/her employer or any other party that has liability for the accident and the resulting injury. This legal action will allow the injured worker to receive the compensation that he/she is (legally) entitled to receive.

Premises Liability In Swimming Pool Accidents

Just about everyone loves swimming pools. They provide both enjoyment and relaxation, and there may be no greater way to kick off than to lounge in the pool, with your friends or family. However, the hazards that come with having swimming pools should not be overlooked. Those who own pools, whether they are for private or public use, should understand the liabilities that come with having swimming pools.

Swimming pools fall under the premises liability rule, since it is deemed as part of the property that it is situated. The rules may differ from state to state, but generally the United States law on premises liability identifies three types of participants and the degree of care the owner of property owes to that participant. In most cases, it is the responsibility of the property owner to ensure that area is reasonably safe.

Public pools, whether they are paid for or free, are under the responsibility of the property owner. They are the ones liable should an accident or injury occur within the premises, therefore they should maintain as well as repair any damages in the vicinity that may cause injury or accidents. As for private pools, it is the owners of the property to warn guests of the dangers that they may not be aware of. However, in cases of trespassers, the owner does not have any duty of care except if the trespasser a child.

Disregarding the fact of whether the participant is a trespasser, invitee, or a licensee, it is the responsibility of the owner to provide necessary warnings of the dangers around the pools, such as slippery surfaces and no-diving spots. It is also the property owner’s responsibility to provide emergency safety equipment as well as lifeguards (particularly in public swimming pools) to oversee the premises.

To avoid any premises liability lawsuit, swimming pool owners should make sure that the area is properly secured, maintained and taken care of. Securing the area not only means setting up necessary fences, but also providing proper warning signs and rules that will teach people safety practice while inside the premises. Proper upkeep of the pool is also necessary to prevent any chemical spills or contamination that can also be a cause of injury.