4 compelling reasons to not drink and drive

Everybody should be aware of the dangers of drinking and driving. Still, too many people operate vehicles while drinking. Thousands of people lose their lives because of car accidents every year. Here are four compelling reasons to not drink and drive.

You can go to jail

Most people cannot imagine going to jail. It lowers their reputation and is shameful for him or her. If you do any harm to other people or property while drunk, you may have to stay in jail for a longer time.

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Your insurance premiums increases

If you are ever caught drinking and driving, then your insurance premium will increase. Insurance premiums are based on the risk as a driver. If a driver is at high risk of being involved in an accident, he or she must pay a higher premium. So, if you are caught drinking and driving, your insurance company will put your name under the list of high risk drivers and your insurance premiums will go higher.

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You may lose your job and professional license

In some professions, drinking and driving is considered to be a serious crime. This can result in the termination of employment and cancellation of a professional license. This is particularly a concern for doctors, nurses, teachers, lawyers, public figures, police officers, and others. They are at the risk of losing their job license if they are caught drinking and driving.

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It increases the risk of an accident

Drinking and driving increases the risk of being in an accident. You may cause injury to yourself and others because of this. You may also damage properties.

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There are lots of disadvantages in drinking and driving. It puts your name in the crime record. You should avoid this and try to lead a healthy life.

How worker’s compensation plans work in case of accidents

A worker’s compensation insurance covers any employment related injuries and illnesses. In most cases, injured employees receive workers’ compensation insurance, no matter who is to be blamed for it and this includes being injured from a car accident while on the job.  As it is a type of insurance, employees cannot sue his or her employer for the injuries. This insurance covers injuries that are due to the employees’ or employers’ carelessness.

It covers broad range of injuries, but there are some limitations. The employees are tested for drug and alcohol and if it is proved that they were under the influence of these during the time of injury, then the employees won’t get the compensation benefits. If the injuries were self inflected, then also compensation may be denied. If the employee violated any law or company policy or if he or she was not on the job at the time of the injury, then also, the worker will not be given the compensation benefits.

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The workers’ compensation insurance covers medical care from the injury, replacement income, compensation for permanent injuries, benefits to survivors of those who are killed on the job and costs of retraining. This insurance does not cover pain and suffering. Most employees are covered by workers’ compensation insurance; except some like the employees of the federal government who are already covered under the federal workers’ compensation insurance program.  Unfortunately, your employer may not always be willing to fulfill the claim and then you will be forced to hire a car accident attorney and start legal action to get compensation you deserve.

The injuries covered by workers’ compensation include:

  • Preexisting conditions that increases due to work; for example, back injury.
  • Injuries caused during lunch hours, breaks, at-work, etc.
  • Diseases that are caused by exposure to toxins at work.

Injuries due to physical and mental strain brought on by increased work-related stress.

If you have a claim, you first need to report it to your employer and file the claim as soon as possible. If your claims are denied, then you need to seek legal help.

4 tips on staying safe with rented cars

When you drive a rental car, the risk of accident is high. The main reason is that you are not familiar with the car. Here are some safety tips that you should remember when driving a rented car.

1. Check out your insurance

Check with your insurance provider and find out your current coverage for rental cars. If necessary get supplemental car rental coverage. Before you rent, know the price and also what you need to pay in case the car breaks down.

2. Don’t rent a flashy car

Choose a car that is commonly available. If you rent an expensive or flashy car then you may get lots of unnecessary attention and may attract criminals.

3. Inspect your car before renting

Before taking the car, take photos of the car so that you don’t get any damage complain that you had nothing to do with.  This will keep you safe. Check all the parts of the car, like the tires, odometer, fluid levels, etc. Make sure you learn about all the controls.

4. Rent a car with automatic locks and windows features

Automatic locks will allow you quick entry into the car. This also provides safety. You should check whether the car you are renting has this safety features. Having air conditioning in your car also keeps it safe as your have to close all your windows and no one can see you from outside.

Like other cars, wearing a seat belt is a must when driving rented cars. You should keep your doors locked all the time, because you never know someone can suddenly enter your car. People usually rent cars when they are away from home. Whichever place you rent the car from, you should learn about their road rules. This way there will be less chance of having an accident.