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Chemical Exposure In The Workplace: What You Need To Know

In Personal Injury by The Insiders

Depending on your workplace, it can be very easy to suffer exposure to chemicals. While some of these chemicals may be relatively benign, others can be extremely toxic, and exposure to these toxic chemicals can lead to long-term illness and possibility death. Many workers don’t realize that there are actually many state and federal laws regulating exposure to toxic chemicals. If your employer has failed to follow these laws, you may be eligible to file a workers’ compensation claim or a personal injury lawsuit. Read about toxic chemical exposure in the workplace and learn the many benefits of hiring a Chattanooga workers’ compensation attorney. Regulations at the Federal Level There are a wide variety of chemicals that a person could be exposed to in the workplace, including such deadly substances as asbestos and carbon dioxide. When it was discovered that long-term exposure to asbestos had lasting consequence, the Occupational Safety …

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What If I Slip and Fall On The Sidewalk?

In Knoxville Personal Injury Lawyer, Personal Injury by The Insiders

Slip and fall accidents are extremely common and often result in serious injuries. While most slip and fall accidents occur in the home, it’s also possible to suffer a fall when you’re out for a stroll on a city sidewalk. After falling on a sidewalk and suffering an injury, many people wonder if they are eligible to file a lawsuit against the city. Like most personal injury lawsuits, a slip and fall lawsuit against a city depends entirely on liability, which means you need to learn about who is liable for a sidewalk fall. Read about liability in a sidewalk slip and fall accident and find out why it’s a good idea to bring your case to a premises liability attorney. Cities and Negligence Personal injury lawsuits against a city, town or municipality can be extremely difficult. There are only certain circumstances where a city has a duty to protect …

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Why You Need A Police Report After A Car Accident

In Personal Injury by The Insiders

Anytime you are involved in a car accident with another person or person’s property, you should notify the authorities so that they can create a police report. Police reports can contain vital information pertaining to your case, and the information may prove useful to you over the course of your personal injury case. Obtain All Records Pertaining to Your Car Accident One of the first steps to take after you’ve been in a car accident is to request copies of all relevant records, especially if you were injured in the accident. This includes medical records, your expenses relating to your accident and injuries and the police report. You can obtain your police report by calling the police department directly, or you may be able to request a copy online. Police Reports Contain Important Information Even though you are not able to use the actual police report if your case goes …

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What Happens When You’re Hit By A Driver With No Car Insurance?

In Personal Injury by The Insiders

If you’ve been hit by a driver who does not have car insurance, you still have options for receiving compensation for your injuries. In many cases, consulting a car accident lawyer can make this process easier and can increase your chances of receiving compensation. Let’s take a look at what to do when you’re involved in a car accident with an uninsured motorist and how a car accident lawyer can help. When to Make an Uninsured Driver Claim If you’ve been in an accident with another driver who is at fault but doesn’t have car insurance, you should file a claim against your own insurance company. You can use your uninsured motorist coverage up to the limits of your policy. Suing the uninsured driver for your damages can be tricky, so keep in mind that it’s always best to consult a car accident lawyer to ensure your claim is filed …

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What Are Medical Liens In A Personal Injury Case?

In Personal Injury by The Insiders

If you’ve been injured in an accident and are filing a lawsuit against the responsible party, certain entities that paid for your medical expenses may be entitled to filing a lien against your personal injury case. This lien is a demand for compensation, should you win your case and receive a settlement amount from the at-fault party. Entities that are commonly entitled to placing liens include government agencies, workers’ comp agencies, hospitals and medical providers. Government Liens If the government paid for any of the medical expenses relating to your personal injury case, they have a right to place a lien against the settlement you expect to receive from another party. So if a government entity like Medicaid, Medicare or the Veteran’s Administration paid for your medical bills prior to your settlement, they can file a lien for reimbursement and even recover some of the proceeds from your lawsuit. Workers’ …

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Is It Worth Filing A Personal Injury Lawsuit For Whiplash?

In Personal Injury by The Insiders

If you have suffered a whiplash injury from a recent car accident and are seeking compensation, your best option may be to file a lawsuit against the negligent party. While many whiplash injury claims are settled prior to taking a case to court, filing the lawsuit gives you the opportunity to negotiate a settlement amount with the liable party. As you’ll see, whiplash cases can be tricky and require legal expertise. Let’s take a look at what’s involved when you file a lawsuit for your whiplash injury and how a personal injury lawyer can help you. What is Whiplash? Whiplash is an injury to the soft tissue in the neck injury commonly sustained in car accidents as your body makes a whip-like motion from the force of the impact. Most whiplash injuries heal within a week or so, but more serious whiplash injuries can take up to a few months …

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Social Security Disability Insurance: How Your Monthly Payment Is Calculated

In Personal Injury by The Insiders

If you are disabled and unable to work, you may qualify for certain forms of disability income, such as Social Security Disability Insurance (SSDI). Unlike many other forms of disability income such as Supplemental Security Income, your monthly SSDI is based on your average income before you sustained your disability, rather than the extent or type of your disability. Here, we’ll discuss how the Social Security Administration calculates your SSDI payment, as well as how an Social Security disability lawyer can help you understand what disability benefits you’re entitled to. How to Calculate Your SSDI Payment In order to be eligible to receive SSDI benefits, your wages must be covered under the Social Security program. Known as “covered earnings,” these are wages you’ve earned from employers that pay into the Social Security system. The majority of wages are covered earnings, but you may want to double check that your paycheck …

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Getting Treatment After An Accident Without Health Insurance

In Personal Injury by The Insiders

If you’ve been injured in an accident and you lack medical coverage, you still have a few options available to you. Keep in mind that even though the insurance company of the negligent party may be responsible for compensating your medical expenses after the case is closed, you are responsible for paying your bills until that time arrives. Even if you don’t have medical insurance or funds to pay for your bills upfront, you may be eligible to receive “med pay,” Medicaid, no fault car insurance or a payment plan with your healthcare provider. If you are experiencing difficulty throughout this process, seeking the advice of a personal injury lawyer can be very helpful. Medical Payment Coverage Medical payment coverage, also known as “med pay”, is a facet of some car and property insurance policies. If the insured person causes an accident that results in you being injured, their insurance …

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Workers’ Compensation Claims: How The Procedure Works

In Personal Injury by The Insiders

If you sustain an injury while performing work-related activities, you may be entitled to filing a workers’ compensation claim in order to receive compensation for your damages like lost wages and medical bills. In order to successfully make your claim, you must report your injury, undergo a doctor’s exam, participate in a hearing and even consult a workers’ compensation attorney. Report Your Injury  One of the first steps, if not the first step, you should take when you sustain an injury while you are on the job is to notify your employer of your injury. Deadlines vary by state, but workers’ comp agencies generally require that injuries be reported within 30 days or less of the incident. Receive an Impartial or an Independent Medical Examination After you report your injury, your state’s workers’ compensation agency will generally require that you undergo an impartial or an independent medical examination. Impartial exams …

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Chattanooga Car Accidents: How The“Serious Injury” Threshold Works

In Personal Injury by The Insiders

No fault states include Florida, Hawaii, Kentucky, Kansas, Minnesota, Michigan, Massachusetts, North Dakota, New Jersey, New York, Pennsylvania, Utah and the District of Columbia. If you’ve been seriously injured in an accident in a no-fault state, you may be entitled to filing a lawsuit against the negligent party that caused your accident. Let’s explore this threshold for serious injuries a bit more and see how a car accident lawyer can help you through this process. Understanding the “Serious Injury” Threshold When you get injured in a car accident in a no-fault state, you turn first to your own insurance company in order to receive payment for your medical expenses and any lost income resulting from the injury. The no-fault system does not include compensation for other types of losses like pain and suffering. If your accident resulted in “serious injury,” however, you may be able to step outside this no-fault …

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I Was Hurt Driving A Commercial Vehicle: Who’s At Fault?

In Car Accident Attorney, Personal Injury by The Insiders

Getting into a car accident at work can be nerve-wracking, but luckily your personal injuries can typically be covered by worker’s compensation as long as you were officially “within the scope of your employment” — AKA working on-the-job at the time. As for personal property damage or damages to someone else that happen as a result of commercial truck accidents, those situations present a more complex issue. You can learn more about what is and is not likely covered based on the situation by considering the information below. Getting Hurt in Commercial Truck Accidents While Driving a Company Car With very few exceptions, driving a company car while working, performing work duties, or commuting to or from work means that almost all damages will be covered in the event of an accident. As long as you were not committing a crime or egregiously violating workplace policies, your own injuries are …

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Homeowner’s Insurance and Injuries: What You Need To Know

In Personal Injury by The Insiders

If you’ve suffered a serious injury at someone else’s home, it can be a very stressful situation. Depending on the severity and extent of your injuries, you may be unable to work and support your family. If you find yourself in this very precarious circumstance, you should consider filing a homeowner’s insurance claim. While many people have homeowner’s insurance policies, few understand how these policies cover injuries that happen in the home or on a property. Read about how homeowner’s insurance relates to injuries, and find out how you can get help with your claim by consulting an injury attorney. Examining Your Liability Coverage Almost every homeowner’s insurance policy will come with some level of liability coverage. The liability coverage of a policy is meant to cover any expense related to an injury that occurs in a home. Typically, these expenses can include lost income, medical bills and, occasionally, mental …