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Do these things when reporting an accident to your employer

You do your best to avoid an accident in your workplace, but you never know if you may find yourself in this position. You could be involved in a slip-and-fall accident as you go down the steps. Or maybe you fall from height when climbing a ladder.

If you're injured in a workplace accident, it's critical to take a few key steps when reporting the details to your employer. Here are four steps to take:

  • Report the accident immediately, even if you don't feel that you have suffered an injury
  • Seek first-aid for your injury, while also calling 911 if you require transportation to a local hospital for follow-up treatment
  • Ask your employer to complete any necessary forms regarding your on-the-job injury
  • Discuss the accident with your doctor, including how it happened, where it happened and what you're currently feeling

How long do you have to file a personal injury claim?

Similar to all other states, New Jersey has a statute of limitations on most cases. This can lead to some complications with legal cases, such as one recent example where student athletes filed personal injury claims well after the state's statute of limitations had expired. 

The reason statutes of limitations exist is to protect defendants. It is to encourage people to file lawsuits quickly. Without these statutes, someone could reasonably delay the proceedings, meaning the defendant could lose essential evidence in that time. Therefore, it is vital for anyone in New Jersey with a personal injury claim to pursue it promptly. 

Can you appeal a workers’ compensation denial? You bet

Suffering an on-the-job injury can derail your life, as it leaves you facing an uncertain future. In addition to questions and concerns about your health, you'll also wonder about the financial impact.

It's possible you could receive a workers' compensation denial letter. If this happens, review the letter from beginning to end to better understand the reason for your denial and the next steps to take.

How to avoid hydroplaning to stay safe this winter

When driving in wet weather, you may have concerns about losing traction. Hydroplaning occurs when your tires are unable to scatter water quickly enough, thus resulting in a loss of contact with the road.

Since hydroplaning causes you to lose control of steering and braking, it's not something you want to face. Fortunately, there are a few things you can do to lessen the likelihood of this happening:

  • Slow down in wet conditions, especially when water is pooling on the roadways
  • Inflate your tires based on manufacturer specifications
  • Rotate your tires as suggested by your mechanic
  • Replace bald or balding tires
  • Be careful about driving in outside lanes, as water is more likely to gather here
  • Don't use cruise control in wet weather
  • When possible, drive in the tire tracks of the vehicles in front of yours
  • Avoid hard braking
  • Don't make sharp turns

Address these workers’ compensation questions

Even though you have no plans on experiencing an on-the-job injury, it could happen to you at any time. This holds true regardless of your profession and industry, including those fields that are generally thought to be extremely safe.

If you find yourself dealing with the aftermath of a workplace injury, you will need to become familiar with the workers' compensation system. When you begin, here are some of the more important questions to answer:

  • Are you covered by workers' compensation? Generally speaking, if you're an employee who was injured at work, you should be in a position to file a claim.
  • Is it possible to be denied benefits? Not only is it possible, but there's a good chance it will happen. There are many reasons for a denial, such as your employer arguing that you were not injured on the job.
  • What types of injuries are covered by workers' compensation? Anything that keeps you out of work is typically covered by the workers' compensation system. For example, if you fall from a ladder, suffer an injury and are unable to return to work right away, you'll want to file a claim.

Do you know how to drive safely at night?

The way you drive at night shouldn't be the same as the way you drive during the day. Once the sun goes down, it's important to follow these five safety tips:

  • Use your headlights: This helps you see the road ahead, while also making your vehicle more visible to others on the road.
  • Keep a clean windshield: A dirty windshield promotes nighttime glare, making it more difficult to see when other vehicles are traveling toward you.
  • Watch for signs of fatigue: Drowsy driving can cause an accident, so if you feel tired it's best to pull to the side of the road. Signs of fatigue include yawning, rubbing your eyes and an inability to concentrate on the road.
  • Watch for aggressive drivers: Even though you may drive with extra caution at night, others often take the opposite approach. With fewer people on the road, they're more likely to become aggressive.
  • Keep inside lights to a minimum: If you need to turn on an interior light, pull to safety and then do so. Not only can these lights distract you, but they can also do the same to other drivers.

When you do these things you'll be more confident in your ability to drive safely after the sun goes down.

5 of the most dangerous jobs in the U.S.

While accidents can occur in any workplace, there are some that are more hazardous than others. Certain industries experience high rates of injuries and fatalities despite strict safety standards. This is because these occupations require encountering hazardous substances, using heavy equipment or working in dangerous places. 

Financial news website 24/7 Wall St. compiled a list of the 25 most deadly jobs in America. Here are five jobs from the list. 

Do you follow these defensive driving tips?

There are people who are aggressive drivers and those who are defensive drivers. As a defensive driver, you're much more likely to avoid trouble on the road like being pulled over for moving violations or getting into accidents with other vehicles.

Here are five defensive driving tips to keep you safer:

  • Put safety above all else. Every decision you make as a driver should be based on your safety. If there's any question about whether you should do something, avoid it. It's better to be safe than sorry.
  • Watch your surroundings. You only have control over your vehicle, but that doesn't mean you can't carefully watch what's happening around you. For example, if a person shows signs of aggressive driving, create more space as to avoid a confrontation.
  • Slow down. This is as simple as knowing the speed limit and following it. Don't get into the habit of driving too fast, even if you're in a hurry.
  • Plan your route in advance. If there's more than one way to reach your destination, take the safest route based on your knowledge.
  • Avoid distractions. Defensive drivers always focus on the road, nothing else. Don't text, eat or drink, smoke or converse too much with passengers.

Use a revocable living trust to avoid probate

When creating an estate plan, it's important to understand the steps your family will face after your death. More specifically, the probate process.

With a will, your estate will go through probate. Not only can this drag out the process of distributing your assets, but it can also cost a good amount of money.

Watch out for these common causes of a car-truck accident

When driving on the highway, you're almost always in close proximity to commercial trucks. Depending on the time of day and location, you may also find this to be true when driving in the city.

There are many common causes of a car-truck accident, all of which you need to be aware of. The knowledge you collect can help you avoid trouble on the road.

  • Inadequate training: There is nothing you can do about this, as some trucking companies don't provide drivers with the training they require.
  • Reckless driving: All forms of reckless driving, ranging from speeding to failure to signal, can cause an accident.
  • Distracted driving: When a driver isn't paying attention to the road, they're more likely to cause an accident.
  • Drowsy driving: If a trucker is too tired to drive, they should move to safety and take a break. If this doesn't happen, there's a greater chance of the person causing a crash.
  • Unrealistic schedule: Some trucking companies set unrealistic schedules, which pushes the driver to speed and/or not get the required amount of rest.
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