The trucking industry is highly regulated. However, that does not mean that professionals who transport goods across town or over the road are fully protected from unreasonable demands and other hazards that increase the risk for injury. Over the road and local truck drivers often face a variety of issues that drivers of passenger vehicles may not fully understand.
It is no secret that drivers between the ages of 16 and 20 are involved in far too many accidents on southern Minnesota roads. The Centers for Disease Control and Prevention says that legal drivers under the age of 20 are at a high risk for injury in motor vehicle wreck. Car accidents are the leading cause of death for teens in America. New research indicates that the risks that teen driver's face behind the wheel may include more than just their inexperience.
The United States has a tort system that is designed to compensate people who are injured at the hands of someone else. In other words, we have a legal system that holds a person or entity accountable when their wrongdoing harms another person. Under our tort system, wrongdoers are held accountable by compensating the people they injure. The money awarded to an injured person is known in the legal world as "damages."
One of the most common questions I encounter is: The accident wasn't my fault why should my insurance pay?
Far too often, I see clients that have purchased the minimum liability coverage in Minnesota, which is $30,000 per person and $60,000 per incident (30/60)1 for liability and $25,000 per person and $50,000 per incident (25/50)2 for Underinsured (UIM) and Uninsured (UM) motorist coverage. Generally speaking, liability coverage provides payment to an injured person in the event you cause an accident. UIM/UM coverage protects you and your family from another driver that caused an accident and either did not have coverage or did not have sufficient coverage to cover the injuries that you or your family members sustained.
Back injuries are the most common type of work injury and workers' compensation claim. As a byproduct of rehabbing, workers suffering from back injuries or chronic back pain are especially at risk of becoming addicted to opioid painkillers. Relief from the physical pain gives way to other types of suffering - the addiction itself and the personal aftermath such as depression, job loss, financial troubles, professional license sanctions, criminal charges and divorce.