Construction work is a particularly dangerous job. Not only are you working with heavy equipment and machinery, but you are also often doing so from a great height. This leads to a number of opportunities for mistakes and accidents, particularly if other workers or job site managers are not performing their duties safely. These careless actions can cause serious injuries or, in the worst cases, death. Construction site accidents are unfortunately common all across the United States, and they result in significant physical and financial losses for many construction workers.
In the Dallas/Fort Worth area particularly, there is a large amount of construction work that is happening year round. Although regulations are in place to help prevent serious injuries on these work sites, accidents still happen that have devastating results. Dallas news center CBS has reported on two accidents that occurred in the past two years, bringing light to the dangerous situations many construction workers face. In May of 2015, a fatal accident occurred on the construction site of an apartment building on Maple Avenue. The worker was performing a task on one of the “higher floors” of the four story building and fell to the ground. Emergency responders were alerted and came to the building only to find that the worker was dead upon their arrival. CBS reported a similarly tragic accident that occurred in June of 2016 when another worker was killed on the job. At a commercial construction site near Berkshire Lake Boulevard, a dump truck that was delivering materials began to roll towards the worker. No one was aware of the truck’s movement, and it ended up pinning the worker to the ground and crushing him. There is no further information about the cause of these accidents; however, the Occupational Safety and Health Administration (OSHA) will investigate.
Although the cause of these deaths is not yet available to the public, it is possible and even likely that another individual’s careless or negligent behavior added to the risk that these workers were already facing and potentially caused their accident. After an event such as this, these worker’s family members and other loved ones are facing significant emotional pain as well as possible financial suffering, due to this accident. They should not have to face this loss at all, and they certainly should not be held responsible for the financial damages this accident has caused.
Nothing will be able to bring back these individuals or prevent these families from grieving this loss. However, they can seek financial compensation for their losses, that can help them remain financially stable and begin to recover from this devastating loss. With the help of Dallas area personal injury attorneys, like The Benton Law Firm, these families can file a lawsuit against the company or other individuals involved, which may help them manage the financial burden this accident has caused. No amount of financial compensation can heal the pain these families are feeling, however, and we must all work to make construction sites a safer place to work.
According to the Williams Kherkher law firm, when a catastrophic storm strikes, insurance companies will have thousands to tens of thousands of claims to process, often within a few days following the storm. Typically, insurance companies will hire independent adjusting companies to inspect damaged property and prepare an estimate for repairs for each claim. It sounds simple enough. However, multiple adjusters, delays in processing and payment, unfair denials, misrepresentations, and offers to settle claims for far below the actual cost of repairing the damage are all strategies that insurance companies typically employ to avoid paying fair value, as insurance companies can, and do, save millions of dollars by settling claims at less than their fair value.
Filing a benefits claim with their insurance provider is most natural for families and individuals to enable them to meet the resulting expenses, such as medical treatment after an accident, or repair/replacement of damaged property after a natural disaster, as well as to keep their heads above water. Such are some of the reasons why insurance policies are purchased in the first place – to serve as a financial buffer during times of real need.
Insurance providers owe policy holders genuine commitment or the duty of good faith and fair dealing, especially in paying claims. Under the common law this duty is spoken of as the “implied covenant of good faith and fair dealing,” which ought to be contained in every insurance contract. However, many of these providers transact business with dishonesty or fraud at the back of their minds. They enter into an agreement with policy holders with no real intent of living up to the terms of the policy they sell or they intentionally twist the meaning of something contained in the policy sold. This fraudulent act is what legal experts call “bad faith,” and there are different ways through which this can be committed, like: failure to investigate a claim promptly and thoroughly, unreasonable denial of claim benefits or delay in the payment of claims, and so forth.
The unfair dealing of many insurance providers can result not only to substantial losses of policy holders, but to the collapse of a policy holder’s financial stability, especially after a disaster. Unable to make the amount of claim necessary to keep him or her above water, a policy holder can end up not only incapable of making the necessary repairs to his or her damaged home, but also in settling financial obligations, such as home mortgage, car loan, credit card bills – to which his or her insurance claim would have been the solution. Like an added insult to his or her already injured state, he or she may come to a point where he or she will have to file bankruptcy.
As explained by the Greenway Law, LLC, debt problems can affect anyone. Hardworking people who have encountered medical issues, unexpected job losses, divorce or losses after a natural disaster, may suddenly find themselves facing large amounts of debt. But, although there are thousands of people who file for bankruptcy protection every year, each person has a unique situation and needs a unique solution.
Bankruptcy is the legal declaration of the incapability to pay debts, personal or business loans. Filing for bankruptcy will stop creditors from attempting payment collections or filing lawsuits to have control over your properties, have your salary garnished or levy your bank account. This also means end of calls and notices from law firms, which are intended to harass you until you decide to pay.
There are different chapters of the bankruptcy law, each designed according to a debtor’s financial situation. These include:
- Chapter 7 – this law involves asset liquidation to enable payment of debts;
- Chapter 11 – also known as business reorganization;
- Chapter 13 – involves debt repayment based on a three-year or five-year repayment proposal; and,
- Chapter 12 – which is specifically designed for families of farmers and fisherman (who own the whole or more than 50% of the farming/ fishing business) with a regular annual income
Common Office Accidents and Injuries
Workplace accidents are never good news. They may injure you enough to prevent you from going to work, resulting into financial damages in the form of medical bills and lost wages. But contrary to popular belief, workplace accidents can also happen in typical office spaces. They don’t just occur on hazardous work areas like construction sites and factories.
According to the website of The Benton Law Firm, those who have been hurt in workplace accidents may get compensation, especially if the accidents have been triggered by the negligence of the employers. But this does not mean that employees should not be careful on their own. They should know the most common office accidents and injuries so they can make their own safety measures to prevent them.
Appliances and Equipment Accidents
Office appliances like coffeemakers only require one mistake for an accident to occur. Burn injuries come to mind. Office equipment, such as overheating desktops and laptops, also pose the same threats. There may also be instances where the appliances and equipment are the ones at fault, especially if they are defective.
Not all workplace injuries come from violent accidents, as some are often sustained quietly, such as when an employee stays in an uncomfortable position for too long and damages his neck, back, and wrists. These injuries are often associated with the poor design of the workplace.
Office workers typically don’t get involved with construction equipment and other potentially heavy materials, but they are still vulnerable to lifting injuries, particularly in the back and arms. These can be sustained by improperly handling piled up documents, cabinets, and shelves.
Slipping, Tripping, and Falling
Employees may be too busy at work that they come to the point where they become inattentive to their surroundings. They may slip and fall because of slippery substances like spilled drinks and air conditioner leaks. They may also trip because of obstructions such as opened cabinets and loose cables, and defective furnishings like worn carpets and rugs. These accidents can be strong enough to cause head, neck, back, and hip problems, and worse, they may even cause fractures, especially in the arm or leg area.