What Health Care Cash Plans and General Health Insurance Products Can Offer

The health care cash plan was first introduced in the 1870s and was known as a hospital Saturday fund or a ‘penny in the pound’ scheme. These schemes or plans were a way for households surviving on a low income to get help with the costs of health care by contributing a small amount from their wage on a regular basis. Before the introduction of such schemes, the UK’s poor were simply left to fend for themselves, with religious institutions doing all they could during outbreaks of Plague, small pox and cholera, which were prevalent up until the Nineteenth Century. By the time the NHS was formed in 1948, contributory schemes had over 10 million members, each of whom contributed a small amount from their wage towards hospital care for themselves and their family members.

With the advent of the NHS and the changing landscape of health care provision, health care cash plans are as relevant today as they ever have been. Covering a range of everyday costs they can be a real support to individuals, and since their inception they have been developed further to offer a lot more and to provide different types of cover focusing on dental, optical and general health care. As a result, it’s important for anyone looking into health cash plans to read the individual terms and conditions and benefits of each carefully. A health cash plan is designed to be used and making a claim does not automatically mean that the policy holder’s premium will go up.

The health cash plan is suitable for everyone regardless of age, gender or medical history and covers routine checkups and treatment such as dental and optical work as well as things like hearing aids and physiotherapy. Some plans have exclusions around pre-existing conditions so it is always best to look into this before you take out a policy. Private Medical Insurance (PMI) on the other hand is a rated insurance product for acute conditions such as cancer and diabetes and costs to the policy holder depend on factors such as current health, family medical history, age and lifestyle; this type of insurance is designed to give peace of mind and assurances that the cost of expensive treatment can be covered should the worst happen and also that you receive your treatment as quickly as possible.

Health care cash plans and private medical insurance (PMI) can be used together as complementary products. Some people pay for both so as to benefit from help with day to day health care costs such as dental examinations, contact lenses and physiotherapy with the cash plan and private hospital treatment for unexpected and more acute serious health problems with PMI. You could look at the health cash plan as budgeting towards the everyday costs of your health care and private medical insurance as added peace of mind should the unthinkable happen; both options have their own benefits and what’s right for one person might not be right for the next.

Healthy Foods For You and Your Family – How to Improve Your Health and Lifestyle Today

In these more challenging times of today it makes even more sense for us to look after our health and well being. A lot of us are eating all the wrong foods, with the problem of obesity getting more and more common now is the time to take a close look at what we eat, what our children eat and returning to old family values of good healthy food. I know there are so many convenient fast food restaurants, takeaways and cafes on every streets we walk on every day and its very hard to avoid them but by just deciding to cook more often from home we our improving our health, family socialising and we have more money in our pockets at the end of the week.

Why not make these changes and experience the benefits of better health, more energy, losing those excess pounds that we carry. Lets all eat more fruit and vegetables fish and poultry, less red meat chips dairy products and processed food. We can also support all of our local farm produce by buying fresh produce from our local farmers markets, thus supporting local business in these challenging times.

This will put more money into our local economy supporting the smaller business instead of the major franchise chain. I hope this little article has given you some food for thought and helped you along in these busy and challenging times ahead because I suppose we all need to do the best for ourselves and our families. So until next time I wish you and your family health and success in the future.

Water and Your Health – Debunking the 12 Common Myths About Water! Part 1 of 2

When I first started my career, I remembered my boss asked me about my priorities in life. In an effort to impress him, I told him that my top priority was my career. To my surprise, he told me I should get my priorities right. He then went on to explain his philosophy to me. He told me that different people may have different priorities, and still be successful. However, for long term success in life, the priority must always be HEALTH, FAMILY and CAREER in that order. He then went on to explain why.

Today, this philosophy makes a lot of sense to me, and it is something I live with. You see, we can have the most wonderful family and career but without health, these won’t last very long. However, when you are healthy, you will have more energy to work better and spend more time with your family. We can also have the toughest day at work, but with a family that supports you, at least we have something to look forward to when we get home.

With this in mind, I will begin a 2 part series on Water and your health. This is a topic close to my heart. Water has so much impact on our life but most people think health is just about eating the right food and the right amount of exercise. Most of us take water for granted, especially when we live in a country where “clean” water is abundant and easily accessible. This 2 part article will serve to highlight the importance of water to our health and to debunk 12 common myths about water we’ve been brought up with!

Have you ever been to a doctor, especially if you are down with a flu or fever? What’s the one thing almost all doctors say just before they let you out of their clinic… almost without fail and like clockwork? “Drink more Water?” If you have not been to a doctor, then you must have heard your mother or grandmother say that. Water seems to be the age old, surefire cure for almost anything… and with good reason too.

Consider these facts! 75% of the earth’s surface is covered by water. 75% of your body is made up of water. Most of us can live for months without food but we can only live for a few days without water and a few minutes without air! Does it then surprise you that besides air, Water is the second most important element of life?

What’s even more interesting is this? We complain about air pollution all the time, yet we are drinking some of the most polluted water in the world! You see, most of the time, we are victims of the environment we are in with regards to having fresh air. It is not practical to bring with us our own tank of fresh oxygenated air wherever we go. However, the cleanest distilled water is only as far as your nearest 7-Eleven convenience store. Yet we choose to complain about something beyond our immediate control but completely ignore another where we can have full control!

We travel the world to seek the freshest air. Most of us can almost immediately tell the difference when we are put in a room of fresh oxygenated air vs a room of stale air. When the air is stale, we immediately feel sleepy, lethargic and our body system wants to shut down. There’s even fresh evidence that fresh oxygenated air can cure cancer. Cancer cells are cells which mutate in their effort to stay alive in an environment of low oxygen. These cells cannot survive in a highly oxygenated environment!

So with these evidences, we all know that fresh oxygenated air is vital to our health. What about water? Our body needs the cleanest water to survive, just like it needs the cleanest air. When we feed our body with dirty air, our lungs have to do the extra work of cleaning the air out before using it. Similarly, when we feed our body with polluted water, our kidneys and liver have to work extra hard to clean them before we can use them. Pollution in the air causes lung cancer. Pollution in the water causes Kidney stones and hardening of arteries. Yet, everyday, more people are pouring water down their throats which has been contaminated with minerals, sugar, caffeine, alcohol, salt etc… than just drinking pure H2O.

Why is this so? The only reason I can think of is that we’ve been educated wrongly on the concept of water. Check out these 12 common myths about water!

Healthy Foods For You and Your Family – How to Improve Your Health and Lifestyle Today

When I first started my career, I remembered my boss asked me about my priorities in life. In an effort to impress him, I told him that my top priority was my career. To my surprise, he told me I should get my priorities right. He then went on to explain his philosophy to me. He told me that different people may have different priorities, and still be successful. However, for long term success in life, the priority must always be HEALTH, FAMILY and CAREER in that order. He then went on to explain why.

Today, this philosophy makes a lot of sense to me, and it is something I live with. You see, we can have the most wonderful family and career but without health, these won’t last very long. However, when you are healthy, you will have more energy to work better and spend more time with your family. We can also have the toughest day at work, but with a family that supports you, at least we have something to look forward to when we get home.

With this in mind, I will begin a 2 part series on Water and your health. This is a topic close to my heart. Water has so much impact on our life but most people think health is just about eating the right food and the right amount of exercise. Most of us take water for granted, especially when we live in a country where “clean” water is abundant and easily accessible. This 2 part article will serve to highlight the importance of water to our health and to debunk 12 common myths about water we’ve been brought up with!

Have you ever been to a doctor, especially if you are down with a flu or fever? What’s the one thing almost all doctors say just before they let you out of their clinic… almost without fail and like clockwork? “Drink more Water?” If you have not been to a doctor, then you must have heard your mother or grandmother say that. Water seems to be the age old, surefire cure for almost anything… and with good reason too.

Consider these facts! 75% of the earth’s surface is covered by water. 75% of your body is made up of water. Most of us can live for months without food but we can only live for a few days without water and a few minutes without air! Does it then surprise you that besides air, Water is the second most important element of life?

What’s even more interesting is this? We complain about air pollution all the time, yet we are drinking some of the most polluted water in the world! You see, most of the time, we are victims of the environment we are in with regards to having fresh air. It is not practical to bring with us our own tank of fresh oxygenated air wherever we go. However, the cleanest distilled water is only as far as your nearest 7-Eleven convenience store. Yet we choose to complain about something beyond our immediate control but completely ignore another where we can have full control!

We travel the world to seek the freshest air. Most of us can almost immediately tell the difference when we are put in a room of fresh oxygenated air vs a room of stale air. When the air is stale, we immediately feel sleepy, lethargic and our body system wants to shut down. There’s even fresh evidence that fresh oxygenated air can cure cancer. Cancer cells are cells which mutate in their effort to stay alive in an environment of low oxygen. These cells cannot survive in a highly oxygenated environment!

So with these evidences, we all know that fresh oxygenated air is vital to our health. What about water? Our body needs the cleanest water to survive, just like it needs the cleanest air. When we feed our body with dirty air, our lungs have to do the extra work of cleaning the air out before using it. Similarly, when we feed our body with polluted water, our kidneys and liver have to work extra hard to clean them before we can use them. Pollution in the air causes lung cancer. Pollution in the water causes Kidney stones and hardening of arteries. Yet, everyday, more people are pouring water down their throats which has been contaminated with minerals, sugar, caffeine, alcohol, salt etc… than just drinking pure H2O.

Why is this so? The only reason I can think of is that we’ve been educated wrongly on the concept of water. Check out these 12 common myths about water!

Myth No 1 – Mineral Water is good for you!

There are two types of minerals in water, organic and Inorganic minerals.

Organic minerals – these are once living, or are living and can bring life to cells. These contain carbon, and their electrons spin clockwise, just like those of the human body. Additionally, these cells can form an ionic bond with the body and can easily break down into materials to help with bodily function, such as tissue repair.
Inorganic materials – These were never living, without carbon and cannot bring life to cells. The body treats these metals like toxins and are tightly held together; they cannot be easily broken down. And, their electrons spin counter-clockwise, out of sync with the rest of the body.

What most people do not realise is that Mineral Water contains mostly in-organic minerals and these are not useful to the body. In fact, in-organic minerals can cause health problems such as hardening of arteries and kidney stones. Dr. Norman W. Walker, who wrote a book on this area of water (Water can undermine your health), says that of a person drinks two pints of water a day in a 70-year life span, it will total 4,500 gallons. If it is not distilled, Dr. Walker estimates this water will include 200 to 300 pounds of rock, including lime, magnesium and other mineral deposits that the body cannot use. He does note that much of this will be collected by the body’s water, blood and lymph systems to be eliminated through excretory channels. However, some of will stay in the body, causing those problems mentioned above much like in-organic minerals in tap water causes pipes to clog up

Even if water contains organic minerals, we get most or all of the minerals we need from the food we take in. One single banana contains more organic minerals than one bath-tub of water. So if you think you can benefit from the organic minerals in water, you’d have to drink several bath-tubs for it to be any good!

Myth No 2 – Tap water is good enough!

In many developing countries, tap water is definitely not good enough. However, does that mean that if you live in a developed country with drinkable tap water, then it is good enough? Well think again! Each day, tap water runs through miles and miles of lead, copper, aluminium or plastic piping. Lead piping is the most notorious as lead is poisonous to the body. Aluminium in water has been strongly linked to Alzheimer’s disease. However, whatever material the piping is made of, water is one of the greatest solvent on earth and will somehow dissolve some of the piping materials into the water you drink. Furthermore, tap water contains chlorine but more about this later.

I live in Singapore and Singapore has some of the cleanest tap water in the world.. Even with the cleanest water in the world, accidents can happen. There are reports of pipes which carry sewage water connected wrongly to drinking water pipes etc… One of the best ways to tell if there are too much inorganic substances in the tap water is to look for leaks. If mini “stalactites” starts to form at the area of slow leaks, it immediately tells us that there are too much inorganic minerals in the tap water, most probably from the piping which brings the water to your household.

Stay tuned for Part two of the “Water and your Health” series coming up soon!

Health and Spirituality

The special group of the WHO Executive Board for the review of the Constitution proposed that the preamble be modified to read (World Health Organization (1997) Review of the Constitution… , EB 10 1/7, p.2)

“Health is a dynamic state of complete physical, mental, spiritual and social well-being and not merely the absence of disease or infirmity”

In January 1998, the Executive Board endorsed this proposal of the Special Group and adopted resolution EB 10 1.R2 recommending the World Health Assembly to modify the preamble of the Constitution accordingly (World Health Organization (1998) Executive Board 101st Session, Resolutions and Decisions, EB101.1998/REC/l, p.52-53)

In 2005, the Bangkok Charter for the Health Promotion in a Globalized World endorses a “positive and inclusive concept of health as a determinant of the quality of life and encompassing mental and spiritual well-being.”

From the earliest definition of WHO – “Health is the absence of an illness”, we have come a long way. And this is certainly on time because after a long run for science and discovery, the world is fast entering into a new era that is feeling lost for the lack of wholesome answers to many of its questions in its materialistic domain.

Especially where health and diseases are concerned, we can only move forward to a certain extent and then we draw blank. There are breakthrough medicines and super talented surgeons and yet children die young, babies are born with deformities, the organs stop functioning before their expiry dates and otherwise healthy people lose their memory. This is in addition to the multitude of mental illnesses that are baffling the experts world over while they use trial and error methods to “fix” things. And we are in the 21st century!!

Can man really claim to have understood the human body and its process of reproduction? Some may swear by genetics to have acquired all the knowledge but I always have one question- You know certain genetic coding leads to certain features and others decide the placement of organs in the body and other details, however who did this super intelligent genetic coding in the first place? I mean it is way beyond the expanse of the word “Amazing”! A man’s child is born a man with all the systems and Microsystems in exactly the same place with exactly the same function for ages together!!! The system that makes it happen or that made it happen in the first place can’t be a random “Big Bang”!! No, it was not a random happening that not just humans but thousands of creatures inhabit this earth with perfect genetic coding and a perfect place in the ecosystem and each one with a perfect intelligence in the art of survival!!

It had to be a superpower and Spirituality is the recognition of this superpower that constructed the tiniest of its creatures with perfection and with a PURPOSE.

This purpose and connection to the superpower makes us all spiritual beings that have been given a human body to experience challenges and learn the very essence of life.
Many diseases are form of these challenges that come to us with some lessons. Many studies are currently available where energy healing and faith healing methods significantly cured or at the least improved the quality of life in patients with intractable and life threatening diseases. Most of these methods work with emotional work. Many a diseases have been cured with the release of negative energy trapped due to long standing unresolved issues sometimes traceable even to past lives.

Experts from various scientific fields around the world have experienced the positive effects of spiritual healing on their patients and that includes American Psychiatrist Dr. Brian Weiss, who has done ground breaking work in Past life regression and regression therapy.

This is no way to dispute the role of medicine, however there is a need to understand that there are things beyond our physical that determine our health quality and while considering treatment one has to look beyond what is popularized more.

Today the medical practitioners all over are over-loaded with work leaving little or no time to understand the needs of the patient as a person. Patients, especially with chronic illnesses and terminal illness suffer from a lot more beyond the physical incapability and pain. There is emotional pain over loss of health, family disturbances, pain of dependence, financial burden and much more which needs to be addressed as much as the physical illness.

In this era of specialization there is hardly any consideration of the patient as a person… he is a kidney, a heart, a lung… But the sufferer is not the kidney or heart, it is a person that is also a much more than the organs, he is emotions, needs and feelings. Plus, illnesses being a call for awakening of self, the spiritual needs are at its highest. In the absence of no one to cater to these needs the illnesses spread from physical to mental to emotional to the spiritual realms.

Man has achieved a lot and science has given us a lot, however, our truth goes beyond that. The famous need Hierarchy theory by great philosopher Sir Abraham Maslow talks about the highest need of man to be ‘transcendental self- actualization’ While Albert Einstein, the man of science, said, “Everyone who is seriously involved in the pursuit of science becomes convinced that a spirit is manifest in the laws of the Universe-a spirit vastly superior to that of man, and one in the face of which we with our modest powers must feel humble.”

“Unless we open up to this holistic definition of mankind, our questions and our efforts would always be half rewarded. We all know what Einstein famously quoted, “Science without religion is lame. Religion without science is blind”

What Is Tort Law Exactly?

Have you ever done something that was against the rules? Well, torts are something like that; but much more serious. Torts are civil wrong-doings; immoral behaviors and actions against civilians. The law identifies a tort as immoral, and approves it as grounds for a lawsuit. Most often, torts come with severe consequences, like serious injuries and death. These consequences establish a civilian’s right to file a personal injury claim against a wrongful party.

Torts that result in serious injury or death can be punishable by imprisonment; however, the objective of tort law is to acquire compensation for damages incurred by victims and families of victims. In addition, and equally important, intent is to prevent similar wrongdoings from occurring in the future. In fact, victims of tort can take legal action for an injunction in order to inhibit further torturous conduct of the opposing party.

Explaining Torts and Tort Law

Victims of tort can pursue fair compensation for damages incurred as a result of the offence. Exemplary damages include everything from pain and suffering to loss of companionship, and much more; such as lost wages, hospital bills, medical expenses, scarring or disfigurement, funeral expenses, prolonged rehabilitation, permanent disabilities, and much more. Injured victims can also pursue compensation for damages like diminished quality of life and loss of benefits from loved one’s death. Tort law is established to protect injured victims that were wrongfully hurt by a negligent party. Negligent parties can include people, companies, individuals, organizations, products, and much more.

Categories of Tort

There are several individual capacities of tort law that all depend on the type of injury or accident that harms a person. Types of tort include motor vehicle accidents, product liability, assault and battery, sexual harassment, drunk driving accidents, wrongful death, slip and falls, head or brain injuries, dog bites, nursing home neglect, motorcycle accidents, and several other types of deliberate inflictions of emotional or physical trauma.

Every type of tort can be grouped into three separate categories of tort law; these categories are Intentional Torts, Negligent Torts, and Strict Liability Torts. Intentional torts are deliberate, premeditated, and purposeful. Assault and battery, sexual misconducts, and nursing home neglect are some examples of intentional tort. Negligent tort occurs as a result of carelessness and disregard. Disobeying traffic signals and causing an accident that harms another person is an example of negligent tort. Other examples include pedestrian accidents, hit-and-run accidents, medical malpractice, legal malpractice, and slip and fall accidents. Strict liability torts, on the other hand, occur when a particular action causes harm or damage to another person; such as liability for making and selling defective products that are hazardous.

If you are a victim of tort, or was recently injured in an accident caused by the negligence or misconduct of another party, you may be entitled to compensation for your damages. Contact a licensed personal injury law firm for professional guidance and counsel. It is important to take immediate action following a serious injury before the State’s statutes of limitation runs out. An experienced tort lawyer will substantially increase your chances and likelihood of winning your personal injury claim recovering compensation for your damages.

Posted in Law

Common Benefits Received From Workers’ Compensation

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.

Posted in Law

Who’s Liable for Injuries Sustained in Public Transportation Accidents?

Public transportation is a wonderful asset for thousands of Americans all across the country. Buses, trains, subways, limousines, metros, taxi cabs, and more are just a few examples of the variety we have to choose from when it comes to public transport. As customers and clients, we generally trust that these choices are safe and reliable; but sometimes unexpected accidents happen.

If someone is injured while using public transportation, who is at-fault for their damages? There can be several outcomes when determining who is liable for accidents such as these. Continue reading to understand all the possible parties that might be liable, under law, for injuries sustained to public transient customers.

Public Transportation Traffic Accidents

When it comes to public transportation, buses are one of the most popular. Tickets are inexpensive, and some buses are complementary to individuals in the community. School buses are also widely used for public school transportation. With the rising popularity of public buses, more and more are on the roads every day. As a result, the number of bus accidents continue to increase each year. According to the National Highway Traffic Safety Administration (NHTSA), more than 300 bus accidents happen every year, all of which resulting in fatalities.

Bus crashes, and other public transport cases, are complicated to litigate. Determining the at-fault party is a bus crash can be tricky because it may be more than one, or none at all. It requires the professional litigation skills and trial experience of a licensed car accident attorney to effectively pursue a bus accident injury lawsuit or claim. If you or someone you loved has recently been injured in a public transportation accident, like buses or taxis, contact a local personal injury lawyer to learn your rights.

Possible At-Fault Parties:

  • The Driver
  • Management Company
  • Other Negligent Vehicles
  • Government Entities (If Public)
  • Equipment Manufacturers
  • City Traffic Management (If Defective Light or Sign)

Common Causes:

  • Drunk Driving
  • Driving Under the Influence of Drugs
  • Defective Stop Light or Traffic Sign
  • Hazardous Weather Conditions
  • Reckless or Careless Driving
  • Poor Equipment Maintenance
  • Treacherous Roads
  • Defective Equipment
  • Obstruction of Views
  • Other Negligent Vehicles on the Road

Traffic accidents, public or not, can happen very suddenly, and usually result in serious injuries and damages to innocent bystanders and drivers. If a person is injured using public transportation as a result of another carelessness or negligence, they are entitled to legal compensation for their pain, suffering, lost wages, medical bills, and more. 

Posted in Law

A Myth Regarding Personal Injury Protection

I often get told by my clients that they “do not want to make any claims on their own insurance policy” because “it will raise their rates.” Like many things, this is an insurance tactic meant to scare people from claiming what is rightfully theirs. Let me elaborate further.

Under Texas law, every person in the State must carry Personal Injury Protection (“PIP”) coverage on their auto insurance policy, unless you expressly sign a rejection or “opt-out” of this coverage. The State minimum requirement is $2,500, although many people carry $5,000 or $10,000 in coverage (or sometimes even more, depending on what their auto insurance carrier offers). Importantly, under the Texas Insurance Code, it is illegal for your insurance company to raise your insurance rates, drop your coverage, affect your credit, etc. for making these claims. Therefore, if you have this coverage, you always want to use it.

PIP coverage is meant to reimburse you for two things: (1) medical bills you have already incurred or (2) lost wages (although it will only cover 80% of your lost wages). Additionally, Texas allows “stacking” of insurance benefits. For example, let’s say you get into an accident and you are taken to the emergency room where you incur a $10,000.00 bill. Let’s also say that you have the standard $2,500 PIP policy through your insurance company. After you are finished treating, we send that same $10,000 bill to both the Defendant’s insurance company and to your own. We get you paid $10,000 from this insurance company plus $2,500 from your own PIP coverage for a total reimbursement of $12,500. That’s right, you get paid $12,500 for a bill that was originally $10,000.

I always tell my clients the same thing: If you pay for this coverage every month in your premium, and if your insurance company cannot raise your rates for using it, then why wouldn’t you use it? It is free money falling out of the sky. However, because it’s free money falling out of the sky, many insurance companies (and their agents) will deliberately try to convince you that you do not need it because “it cost more.” Again, this cannot be further from the truth. The cost of this coverage is literally pennies on the dollar for what you get in return should you need to use it. Further, the best part is that this coverage is no-fault, meaning you are entitled to these benefits whether you caused the accident or if someone else hit you.

For these reasons, it is a no-brainer not only to have this coverage, but also to use it once you need it.

Posted in Law

How to Complete a Self-Health Assessment Following a Car Accident

As soon as you are involved in a car accident, the first priority is to have your health and over-all condition assessed by a professional emergency medical technician on-site or at the hospital. For less serious car accidents, it is still important to assess your own health to be sure you are not suffering from a head, spine, or neck injury. The issue with these kinds of injuries is that they can become evident or worse as time passes. So you might seem fine after a car wreck, but can then start to develop symptoms later on that point toward neck and back injuries.

There are signs and symptoms to look for, as well as, tips to learn how to identify the difference between vague soreness and tenderness of muscles, and an actual serious injury. Continue reading for a post-accident health assessment guide and information about filing a car accident injury claim for injuries and damages sustained in a serious collision.

Checking On Your Health

Once you have been involved in a car accident, whether it was your own fault or not, is to seek immediate medical attention. As a car accidents happens, authorities are usually alerted almost immediately; either by someone involved in the wreck or a bystander. Police will ask if you or your passengers need to go to the hospital if it is not obvious or evident that someone is hurt. You can make this assessment yourself, or you can simply have an EMT check you out at the scene of the accident or at the hospital.

You can choose to ride in an ambulance for a faster commute to the hospital for emergencies, but for less serious and less evident injuries, you may choose to take yourself or have a loved one drive you. In other cases, you might feel like you are not injured enough for professional medical care, and pass up the opportunity to go to the hospital altogether. Once you are familiar with how to assess your own condition after an accident, you will be able to responsibly make the choice of seeking further medical assistance, or to care for yourself.

Here are some symptoms to look for immediately after, as well as, the days following a motor vehicle accident:

  • Headaches
  • Migraines
  • Soreness or Tenderness of Neck
  • Difficulty Breathing
  • Increased Heart Rate
  • Mental Confusion
  • Pain or Tenderness in Lower Back
  • Pain in Neck or Spine
  • Difficulty Standing
  • Pain When in the Seated Position
  • Swelling of Neck, Back, or Head
  • Redness or Abrasions on Body
  • Nausea or Dizziness
  • Blurred Vision
  • Slurred Speech
  • Bleeding
  • Broken Bones
  • Immobility

Any of these symptoms could be a sign of a more serious injury or internal damage. If you are experiencing more than three of the above symptoms, it is strongly encouraged to go to the hospital or to request an EMT at the sight of an accident. Concussions are one of the most common and overlooked head injuries that results from car accidents. And the problem with this type of injury is that a person can seem fine at first, only to later suffer serious consequences and health decline as a result of a neglected head, brain, or spine injury.

Filing a Car Accident Injury Claim
Contact a licensed personal injury lawyer for information about filing a car accident injury claim against a negligent party that caused you or a loved one serious harm following a traffic accident or collision. You may be entitled to compensation.
Posted in Law