For people who do not own a car or have limited access to public transportation, getting around can be challenging. Rideshare companies such as Uber and Lyft created a more reliable and transparent service available at our fingertips. Taxis are more prevalent in large cities, but with rideshare companies, a car will come right to you, and the distribution is growing rapidly. Rideshare companies allow drivers flexible income, but what happens when one of those drivers gets into an accident?

In most states, not having car liability insurance is against the law, but it is a requirement for all rideshare drivers. A personal insurance plan may not cover work as a driver, so Uber provides their drivers with additional coverage. This additional coverage only applies when a driver is actively working and the app is on - otherwise the driver’s insurance will cover them. If a driver’s coverage does not cover driving for rideshare, then Uber provides the following when a driver is waiting for a request:

• $25,000 in property damage
• $50,000 in bodily injury per person
• $100,000 in bodily injury

When a driver is en route or has a passenger in the car, Uber will offer up to $1 million in third-party liability coverage.

No one expects to get into an accident with a truck. If anything, most drivers are extra cautious around such vehicles that can weigh up to 80,000 pounds in the United States. According to the Federal Motor Carrier Safety Administration, nearly 5,000 trucks were involved in fatal accidents in 2017. No matter the safety precautions other drivers take, they can still fall victim to poorly maintained fleets or exhausted drivers.

When it comes to truck accidents, it is drivers in passenger cars that are most at risk. Trucks are large and heavy, so while they could crush a small car, they keep the truck driver relatively safer. An accident with a truck can result in life-altering injuries for anyone involved. This can prevent a victim from returning to work and racking up medical bills, creating many uncertainties. Luckily, contacting a personal injury attorney can assist you after an accident to receive compensation for the accident.

After a truck accident, a lawyer would most likely recommend filing a personal injury lawsuit. This is when a person has suffered, whether physically or emotionally, because of the negligence of the other party. It is the responsibility of the plaintiff and their lawyer to prove that the defending party was at fault. A lawyer will pull information such as the police report and federal regulations to compare to the accident and investigate if a third party could have been at fault.

A parent must care for and protect their child. However, what happens when a child is injured or dies due to the negligence of a doctor? We trust doctors to know what is in the best interest of our health, so it can be a difficult time when a child is endangered from a trust we put in a practitioner or hospital. When negligence is involved, it is possible to sue a medical professional for malpractice to collect compensation for pain and suffering.

What is Medical Malpractice?

Doctors agree to administer a certain standard of care across the board, but when those standards are not met, it is the patient that suffers. It is understood that doctors may not get a diagnosis or care right the first time, but it is when omission or negligence is involved that a patient may have a case for medical malpractice.

Medical malpractice can affect child can before they are even born. Not performing necessary tests or taking special care for high-risk pregnancies is dangerous for a child and their mother. When being born, a doctor can cause defects due to not acting appropriately to circumstances or using tools incorrectly. If a baby is under stress during natural birth, it is the responsibility of the doctor to know when to perform an emergency C-Section. Being left in the womb may restrict the child’s oxygen which can lead to brain damage. Not treating a birth injury right away is also negligent and can cause life long injuries or defects.

For an able-bodied person full-time in the workforce, becoming disabled may be an uncomfortable thought. Although many disabled people live happy and healthy lives, becoming disabled is an adjustment. In some cases, a newly disabled person may need modifications to their home, lifestyle, and working conditions. Luckily if an accident or incident that caused a permanent disability occurred at work, employees have certain protections under workers’ compensation.

What Is Workers’ Compensation?

When an employer in Illinois starts a business, they are most likely required to have a workers' compensation insurance for their employees. No matter how small a business is, or how many employees they have, it is required by law. This insurance protects workers in the event of an injury that prevents them from working long or short term. When a claim is accepted, workers’ compensation covers lost wages from time away from work and medical expenses.

When a person is injured and cannot return to work, it is determined if they have a permanent or temporary disability. This is after the said employee has a medical evaluation and a doctor determines the prognosis of an injury. A temporary disability is something that a worker can either fully recover from, or recover enough to return to work in eventual time. A good example of temporary disability is a broken leg. When a person is deemed permanently disabled, they will not be able to recover from the injury, and may not be able to return to the workforce.

Although auto insurance is required by law, when you consistently make on-time payments, you expect your insurance company to assist you after an accident. However, even though you may pay an insurance company, your claim is not guaranteed to be accepted. After a car accident, many things can give a person involved fear and uncertainty, and having a claim denied can provide additional stress during this tough time.

What Is The Process for Filing a Claim?

The requirements for filing a claim can be met as soon as the car accident happens. After the accident, calling 911 and filing a police report will be crucial to filing a claim with your insurance company. This acts as an official report about the accident. When filing a claim, you will also need the contact information from the other parties involved. You can call your insurance company as soon as being on the side of the road, waiting for police assistance. If you are insured, your insurance company may be able to assist right away if you are not able to use your car after an accident.

After a claim is filed, then a claim specialist is assigned to your specific case to review. When a claim is denied, there is often the uncertainty of how to proceed. Here are common reasons why an insurance claim is denied after a car accident.

A child’s only responsibility is to grow up and become a successful adult. However, sometimes a traumatic experience can happen to a child that disrupts that development. Any kind of trauma will affect a person for life, but when a child is sexually abused, it can have lasting psychological and emotional effects. When children are endangered, their abusers should be held accountable.

Before they reach the age of 18, 25% of girls and 16% of boys are sexually abused. According to the Crimes Against Children Research Center, young girls are the largest targets to sexual abuse and men are the most likely perpetrators. Victims of child sexual abuse are more likely to come from low-income households and may have been victims of other crimes as well. Ninety percent of child sexual abuse is done by a person that a child trusts. Sexual abuse often comes from an adult that a child knows well, such as a family friend or acquaintance. The next likely perpetrators are family, then strangers.

The sexual abuse of a child can take many forms and constitutes as any sexual relations with a child. The age of consent in Illinois is 18 years old. Children cannot consent to sexual acts or manipulation. Sexual abuse is often thought of as intercourse, but it can also include:

It is the responsibility of companies to maintain a standard of safety in the products for consumers. However, sometimes products make it to the market that are unsafe. While there are bad products that may not work or live up to expectations, but when it comes to a product liability lawsuit, it must be proven that a product caused harm in order to have a case.

What Is Product Liability?

Derived from Tort Law, as a product or material gets created and put on shelves for consumers, there is a chain of liability. If the negligence of a company leads to the harm of another person, then that manufacturer may be held responsible. There are three basic claims a person can make with a harmful defective product, design defect, manufacturing defect, or inadequate warnings.

Defective Design: When the design of a product is defective, then the whole consumer good is dangerous. This happens when designed products are not adequately tested for safety. While the product may serve the purpose it was created for, it is too dangerous to continue using. From 2006 to 2008, the magnetic toy sets from Mega Brands were recalled because of small pieces which were easily consumed by children. On top of a choking hazard, the magnets were also strong enough that if consumed, the magnets of the opposite charge would attract and cause further internal injuries. One child died, and 27 were injured due to the defective design of the toys.

After experiencing a work-related injury that prevents you from working, your next concerns may be how you are going to pay for medical bills and support yourself. Most workers in Illinois have the right workers’ compensation, and if you suffer from an accident or have developed a disease from working conditions, you may be entitled to the benefits.

What Benefits Do Workers Compensation Provide?

If a person is injured during their line of work and the injury is more than a basic first aid kit could handle, they may be eligible for benefits. Workers’ compensation protects workers by providing compensation for work-related injuries or illnesses. Examples of this may include falling from a ladder on a construction site, developing carpal tunnel from an office job, or being diagnosed with cancer after working with hazardous materials at work. Workers’ Compensation provides medical care after the fact and the replacement of lost wages.

The more severe an injury is, the more payout a person can expect. There are four categories in which a person can expect to collect workers’ compensation: temporary and permanent disability, and total and partial disability A temporary disability is when someone is expected to heal, and a permanent disability is when a person has reached maximum medical recovery, and will not heal further. The difference between total and partial disability is that total means that a person cannot return to the workforce at all, and a person with a partial disability can return to work in some capacity.

Driving gets us to where we need to be, but that does not stop the world around us. According to the National Highway Traffic Safety Administration, over 3,000 people died as result of car accidents involving distracted driving in 2017. There are many distractions that a driver can face while on the road, and most are preventable.

Distracted driving is anything that diverts your attention from focusing on operating a car. This includes changing the radio station and speaking to others in the car, which may come naturally to us. However, one of the most dangerous instances of distracted driving has to do with mobile devices. Because of this, it is illegal in Illinois to use a cell phone while operating a car. This includes the use of tablets or personal digital assistants. No matter if you are talking on the phone, or using it to check the time, you are breaking the law. Exceptions include pulling over to the shoulder, using a “hands-free” device, or if it is an emergency.

It is difficult to avoid what is going on around us while in the car. However, it is in your best interest, your passengers, and the surrounding people, to focus your attention on driving. Consider these tips for cutting down on distracted driving:

As people age, they are often more respected due to their life experience. However, elders can often face abuse from family, caretakers, or nursing homes. Any person can be subject to abuse, but The National Institute on Aging estimates that thousands of people over the age of 60 are taken advantage of every year.

Taking care of an aging loved one is not a commitment everyone can make. Older people require specialized care, and you may not have enough time to meet their needs. Nursing homes are a great alternative for elders who need assisted care. Someone can be there around the clock to help with basic tasks or administer medicine, and nursing homes can combat loneliness by creating a social environment. Unfortunately, there is also a dark side to nursing homes where vulnerable people are abused.

It is possible or any elder to face abuse in a nursing home, but the most likely victims are people who rely on assistance for basic life skills such as getting dressed, bathing, or taking medication. A person who has an illness such as dementia or Alzheimer may also be subject to abuse, or people who do not have friends or family to check the system. Older women are more likely to be abused, but older men face abuse in nursing homes as well.

The brain is an organ and can experience pain and dysfunction like any other. When a person’s mental state is compromised due to work conditions, it should be taken as seriously as an external injury or other internal failure. However, mental illnesses caused by work are difficult to prove when it comes to workers’ compensation and are often questioned because there is no physical ailment.

In the event of an accident at work, or possibly a stressful environment that causes mental illness, workers’ compensation exists to protect workers. Most employers are required to have workers’ compensation insurance in case their employees get hurt as a result of their employment. If an employee is permanently or temporarily unable to return to work, workers’ compensation would cover the cost of medical care as well as any lost wages.

When looking to file a workers’ compensation claim for a mental illness, you and your attorney must be able to prove that the issue arose because of working conditions or circumstances. This can either be either in your office or work environment or in public on behalf of the company. For example, you could not claim workers’ compensation for getting into a car accident to or from work. That would more likely be a personal injury lawsuit against another party in the accident. However, if you were driving to conduct business on behalf of the company, such as a meeting with a client, you may be able to collect workers’ compensation.

When a person gets injured on the property of another person or company, the owners may be held liable for the accident. This type of personal injury case is often the result of poor maintenance or unsafe property. When going after a property owner after an injury on their premises, it is important to be able to prove that the owner was negligent. In regard to property, if a person does not reasonably maintain their home or land, or give proper warning, they can be found negligent and liable. The landowner also must have known about the hazard, and actively refused to take action.

In Illinois, there are laws that address people who visit a property and rights they are given. A person who is invited by the property owner, such as friends or family, are entitled to a safe environment when visiting the property. Landowners must keep their property reasonably safe for these guests. A person who has implied permission of entering a property, such as a salesman or delivery driver, has less protection because even if the owner is aware of a hazard, the licensee will likely not face it. If a person is trespassing, they have the least amount of protection if they are injured on a person’s premise. The only exception may be a child if, for example, if they wander onto a property that has a pool that is unsecured and gets injured or drowns.

There are a number of circumstances where a person could find them self victim to a poorly maintained property or incident involving negligence. You may have a personal injury case if you have experienced the following:

Doctors are an important factor for our well being. When we are ill, they are a resource to turn to for care. In an ideal world, a doctor diagnoses exactly what is wrong in a minimally invasive way and is able to prescribe medicine to resolve the problem quickly. Doctors do not always get it right the first time but as long as the medical care is reasonable, and you start feeling better, there is usually no harm. However, if you have a sinking feeling that your doctor has been negligent with your care, you may have cause for medical malpractice.

What Is Medical Malpractice?

Medical malpractice can apply to anyone in the medical field, such as doctors, surgeons, and nurses, or a location such as a hospital or private practice. When these people and institutions do not live up to medical standards, and a patient gets injured, suffers, or dies because inadequate care, that patient or their surviving family may be eligible for compensation.

In order for a medical malpractice lawsuit to be considered, certain criteria must be met. Health care professionals are required to adhere to standards of care. If those standards are not met, they can be found negligent, which is an important factor to move in a medical malpractice lawsuit. Once negligence is established, suffering because of that negligence must also be proved.

Sustenance is essential to our survival, and when we purchase food from a grocery store or a meal from a restaurant we want to believe it is safe to consume. A faulty good from a department store may cause external physical harm, but negligence in food production can lead to severe illness and death.

Liability when it comes to food safety can take many forms. If a company has poor safety practices, then contamination can affect customers. Bacteria, like salmonella, can make people sick when incorporated into the food supply, or a foreign object can make its way to the final product. Companies in the past have also been held liable for not listing a warning on their products.

One of the most famous cases of the latter is Liebeck v. McDonald’s Restaurants from 1994. Stella Liebeck was served a hot cup of coffee in a McDonald’s Restaurant drive through that resulted in third-degree burns to her lower body. The temperature of the cup of coffee was up to 40 degrees higher than other restaurants that serve coffee, or the average temperature of a cup of coffee from an at home coffee maker. Because of the high temperature, 700 others were also burned by hot beverages at McDonald’s. Although the cup did warn that the contents are hot, there was no warning about third-degree burns. Liebeck was awarded $2.7 Million in punitive damages and $160,000 for medical expenses.

In almost any industry, small injuries are expected. Even in an office job, an accident can occur. However, not every accident or injury is eligible for workers’ compensation. Anything that cannot be safely handled by a basic first aid kit could be eligible. When an injury occurs at work that threatens future work and pay, a family’s livelihood could be at jeopardy. This is why workers’ compensation laws are in place.

What Is Workers’ Compensation?

Workers’ Compensation is an insurance required by law to be had by employers. No matter the size of a staff, or the number of employees, most employers are required to have workers’ compensation insurance. This insurance protects employees in the event of an accident caused by work that affects the employees’ ability to work. Workers’ compensation can cover lost wages and/or medical treatment depending on the severity of the injury. When filing workers’ compensation, this prevents you from suing your employer for a personal injury claim. However, if a third party is responsible for the negligence that caused your injury, they can be sued.

When occurring an injury that prevents the ability to work, whether short or long term, you are eligible for compensation through your employer's workers’ compensation insurance. The first step, after seeking immediate medical attention if necessary, is to alert your employer about the injury that occurred at work. If you cannot work for three or more days due to the injury, your employer is required to begin paying temporary disability or give a written reason why benefits are being denied.

According to the Centers for Disease Control and Protection, car accidents are the leading cause of death for teenagers in the United States. Getting into a car accident is a traumatizing enough experience, but the situation may be further complicated if the driver is a teenager.

Drivers between the ages of 16 and 19 are the most likely to be involved in a car accident. In fact, that age group is three times more likely to be in an accident than drivers 20 years and older. When it comes to the death rates of teenagers involved in a car accident, male drivers are twice as likely to be in a fatal crash than females.

More than 30,000 people are killed in car crashes each year. Considering teen drivers have the highest probability to be involved in a crash, there is a good possibility that you may get in a car accident with a teenage driver. Although the majority of teen drivers have recently completed driver education courses and should have a fresh memory of safety, accidents with teenage drivers are often caused by reckless activity.

As seniors grow older, their family members often become responsible for their wellbeing and care. With full-time jobs and families, becoming a caregiver for an elder loved one is not always a viable option. Older people often require specialized care that only a medical professional can administer. Nursing homes are a respected option for families who have elders who can no longer take care of themselves. While these facilities do have benefits, far too often, older people can become victim to the system.

Elders are often easy targets. In fact, 10% of people aged 60 years or older have faced some form of elder abuse. The statistics of abuse go up with elders with mental impairments such as dementia or Alzheimer’s disease. Abuse also comes in many forms. Examples are physical, emotional, neglect, isolation, and exploitation.

It is important when visiting a loved one in a nursing home, to look out for signs of abuse. Some forms of abuse, such as emotional or financial, may not be obvious but are just as harmful as visual physical abuse.

Pulling up next to a semi-truck makes many drivers nervous. Trucks are not only intimidating in size but in the United States, can weigh as much as 80,000 pounds on the road. Truck accidents are more complicated than car accidents because there are more factors involved. During a car accident, it is usually more apparent whos fault the accident was, but during a truck accident, it may be either driver or one of the companies behind the truck.

We rely on trucks and truck services to bring goods across the country. A semi-truck sees an average of 45,000 miles of usage a year. Truck drivers and their vehicles get worn down and it is important for companies to stay on top of maintenance and driving hours. When a truck is involved in an accident, here are some instances where the driver or company who owns the truck can be held liable.

Long Hours - Fatigue is one of the leading causes of truck accidents. Drivers can get pressured into working long hours to fulfill delivery requirements. However, there are limits to how long a driver can legally work. From the beginning of a driving shift, up to 14 consecutive hours, the driver is only allowed to operate the vehicle for 11 hours. After the 14 hours, the driver cannot return to operating the truck for 10 consecutive hours. Even when these rules are followed, a driver can still be fatigued, but following the rules prevents the driver or truck company from being liable for the accident.

Although the majority of employers are required by law to have workers’ compensation insurance, an employee may feel like their employment is at risk after an incident at work. The truth is, employers cannot fire someone based solely on filing a workers’ compensation claim. In fact, it is illegal to discriminate, threaten, or refuse to rehire an employee on the grounds of filing a claim.

What Is Worker’s Compensation Insurance?

If a person gets injured or killed because of an accident at work, they are entitled to compensation based on medical care and missed time at work. No matter how small a business is, all employees are entitled to the protection that workers’ compensation provides. Depending on the injury, it may put a person out of work for a long time, and the compensation assists with lost wages. If a person cannot return to work, they may qualify for permanent disability and their compensation will be higher than temporary disability.

To avoid complications, research how to properly file a workers’ compensation claim with your employer. They may have specific guidelines and policy for reporting. They may want the injury reported a certain way and require specific documentation in order to receive compensation.

No consumer purchases a product and expects it to cause harm. That is why consumers are protected by product liability laws, which gives resources in the event a product caused injury or death. This makes manufacturers and companies liable for any misfortune that their products have caused. There is a responsibility that companies have when providing safe products, or doing their due diligence in providing warnings in other circumstances.

Over 200,000 injuries of children reported in hospitals were caused by toys in 2016. While children may be easier victims of product liability, here are some of the biggest cases in the United States.

General Motors - This American car company, based out of Detroit, is behind reputable car brands such as GMC, Chevrolet, Buick, and Cadillac. However, in 2014 many models of cars were found to have an ignition switch fault that could cause the engine to shut off at any time while in use. This fault caused at least 31 accidents that resulted in the deaths of 13 General Motors customers. Over 26 million cars were recalled, and a fund was created for victims of the faulty ignition switch.