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3 tips to help you deal with an insurance adjuster after a wreck

Imagine that it is Friday morning and you are on your way to work. Your weekend outlook seems good, with a little rest and relaxation on the schedule and maybe an evening out to enjoy some St. Louis Blues. Things are going smoothly until you come to the final intersection before you arrive at work. That's when another driver fails to stop at a red light and slams into the side of your car. Now, you have a wrecked car, you are on your way to the hospital and you are already getting calls from the other driver's insurer.

Dealing with an insurance adjuster after an accident can be tricky. In fact, saying the wrong thing could cause your claim to completely go up in smoke. Here are a few tips to remember when you have to deal with the insurance adjuster.

4 guidelines to improve ladder safety at work

Many job duties require workers to use ladders. One of the leading causes of fatalities in the workplace is falling from a ladder. This makes ladder safety a top priority for all employers who expect workers to use them. The safety plan must be clear and easy to understand. Employees must receive the program when they start with the company, and they must revisit it periodically during employment.

Supervisors should check on employees who use ladders to verify that they are using safe practices. They must address safety issues immediately to minimize the chance of a worker suffering from a fall.

Steel-toe boots: Safety equipment or liability?

Every occupation has specific equipment that is needed to do the respective jobs safely. For some, steel-toe boots are essential, but some people falsely believe that these specialty shoes are also a liability. It is imperative that all people who work in a setting where these boots are necessary understand just how important they are and how minimal the risks are.

The television series Mythbusters did a full episode to try to prove the statement going around that steel-toe boots can actually cause amputations and that they are more unsafe than regular shoes. To be clear, the myth was busted and the episode proved that steel-toe boots help to keep workers safer.

Teach your children the risks of riding a bicycle

Practicing proper bicycle safety is a must for all children and adults. There is no room for unsafe bicycling when you are near vehicles. It is imperative to have periodic reminders about what is acceptable and what isn't when you are on a bicycle.

Parents must ensure that their children know about these guidelines so that they can remain safer whether they are riding alone or with someone else. These can come in handy when the kids are exploring the neighborhood or riding to school.

What injuries should you watch for after a car accident?

In the immediate aftermath of a motor vehicle collision, you will likely assess yourself and the passengers in your vehicle for visible injuries and then get out to look at your car or check on the people in the other vehicle(s) involved.

Most people mistakenly believe that they will display symptoms of injuries they suffer right at the scene of the accident. If they don't have symptoms, they may simply go about their way without seeing a doctor. Whether you worry about the potential expense of the medical examination because you don't have insurance or you don't have time to stop for a medical evaluation, forgoing an exam after a crash could leave you at risk.

Can independent contractors receive IL workers' compensation?

The world of employment has shifted drastically in the last two decades, and it can impact workers in unexpected ways. Modern workers are more likely than people in the past to work as independent contractors and balance several different part-time jobs or gigs as freelancers instead of working a single full-time job.

On the surface, this kind of arrangement can offer people a lot of freedom, but it can also leave them at substantial risk if they get hurt because of the work they do. People who are employees can wind up working as contractors and limiting their own options if they get hurt at work.

Spinal injuries change your life: Know what to expect

Of all the serious injuries you could suffer from, spinal injuries are among the worst. Spinal injuries range in severity, from causing minor discomfort to complete paralysis.

As you know, the spinal cord is how the brain sends signals throughout the body. When the signals can no longer get through to certain parts of your body, you'll suffer from paralysis. In situations where signals are limited or less frequent than normal, you may have weakness, pain or other sensations instead of full paralysis.

Stay safe as you drive around semitrucks

Driving around semitrucks can be challenging. These large tractor-trailers have a size and weight advantage over passenger vehicles. While they do have some serious hazards associated with them, semitrucks are vital to this country's economy.

It is easy to assume that truckers can always drive safely, but this isn't always the case. There are several things that can lead to crashes, but fortunately, there are also ways that you can avoid them. The key point to remember is that you can't control how other people drive, so you are always going to be at risk of being involved in an accident.

Culture of safety is critical in all workplaces

Employers have a duty to provide a safe work environment for their employees. While it is fairly easy to think about basic things like keeping the floors free from slip and trip hazards, there are other considerations that need to be factored into the safety plan.

The onus of workplace safety falls on the employer, but it might help to bolster the culture of safety if employees are included in the planning and execution of the protocol. With this in mind, companies might choose to implement these points.

  • Provide ergonomic equipment. Even though some people may push for alternatives like yoga ball chairs, sticking with equipment that is proven safe can help to keep employees out of harm's way.
  • Extend training. Companies often try to rush through an orientation without actually offering real training. Extending the training program to include lessons in safety, and possibly including mentoring, can be beneficial to everyone.
  • Hold safety meet-ups. On average, a new employee remains engaged in their duties for the first six months they hold a job. Once that passes, it can behoove a company to have periodic safety meet-ups with employees. They can do this in a variety of ways, including department meetings or individual safety evaluations.
  • Encourage physical activity. One workplace hazard that not everyone thinks about is the lack of movement in some jobs. Finding ways to get employees moving might include hosting walking meetings when things like whiteboards or presentations aren't needed.
  • Address any safety issues immediately. It is easier for employees to see their mistakes if they are told about them immediately. Managers should offer guidance about how to correct the problem.
  • Provide reminders of safety risks. Workers should be warned of the hazards of their job duties when they begin the job, but they will also likely need to be reminded periodically. Posting warnings and reminders of important points might help to prevent accidents.

Know common reasons for motor vehicle crashes

As people venture out on the roadways during the warmer months of the year, they must ensure that they are prepared to do so safely. Many of the accidents that occur on the roads across this nation could be prevented if drivers just paid more attention to what is going on.

It is imperative that you are ready to handle anything that happens when you are driving. Understanding some of the more common causes of crashes can help to prevent them.

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Bonifield & Rosenstengel
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Belleville, IL 62220

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