How to Practice Boat Safety this Summer

Once the summer months arrive, people are quick to pack up their belongings, hop into their vehicles, and head towards the water. Cottage culture is one of the cornerstones of the classic Canadian summer. However, there are risks involved with many cottage related activities that those participating must be aware of.

According to the Red Cross, every year 525 Canadians die in unintentional water-related fatalities. In addition to this startling truth, 166 of those deaths are caused by boating-related incidents.

If you plan on going out on the water in a boat this summer, there are many ways that you can decrease your risk of injury or drowning:

Wear a Lifejacket

They aren’t called life jackets for nothing. In fact, wearing a lifejacket could potentially prevent up to 90 percent of boating related drowning incidents. However, less than 50 percent of Canadians who go boating always wear their lifejackets, despite 82 percent believing it’s a legal requirement.

Despite their cumbersome design, lifejackets are a vital safety device that you must wear on board. When water is present, slip and fall accidents are all too common, so boats are a high-risk area for this. Although they primarily work to keep boaters afloat, they can additionally delay the onset of hypothermia in cold waters. Plus, newly designed models reject the traditional bulky stereotype and fit the body’s form much better.

Be Prepared

Before heading out to sea, inspect your boat to ensure it’s ready to make the trip. Operating an unsafe boat that is not seaworthy is against the law, so be sure to keep up with any boat maintenance that needs to be addressed.

Additionally, if you are taking any inexperienced boaters out for a ride, explain the precautions they must take while on board to avoid injury, and instruct them on how to use the safety equipment. Furthermore, make sure that at least one passenger is aware of how to operate your boat, should anything happen to you.

Check the Weather 

Weather dictates so much of what people are able to do in a day. When it comes to boating, however, the weathers control over personal safety is even higher. If you’re planning on taking a boat out, check the latest forecast. During Ontario summers, thunderstorms can appear seemingly out of nowhere, so keep your eyes peeled and monitor the sky for any changing weather conditions.

Play Safely

The adrenaline that kicks in when you participate in recreational water activities can be exhilarating. There are dangers, however, if you don’t play safely. If you plan to go waterskiing, tubing, or kneeboarding, it’s crucial that you take safety precautions to limit the risk of injury. These measures should entail having a spotter on board who can oversee that those in tow are safe, leaving a seat empty in case the person in tow needs to come onboard, and not towing during hours of limited visibility.

The summer months bring endless opportunities to take advantage of Ontario’s many lakes. Boating and watersports are both invigorating activities that when done safely, can provide hours of fun.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

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Safety Tips for Bikers this Spring

Cycling is a great way to get around—it get’s you from point A to point B all while keeping you fit and helping the environment. Some studies have even shown that it is the safest mode of transportation, particularly for young adults. Even so, around 7,500 cyclists suffer severe injuries every year in Canada, while 70, 000 are treated in emergency rooms for injuries related to cycling, according to the CBC.

Over half of the Toronto population cycles, that’s 54 per cent of Torontonians. Luckily, the Toronto Cycling Network Plan is working on making Toronto a more bike friendly city. Hopefully Canadian cities will one day be as welcoming to cyclists as European cities, where cyclist injury and death rates are substantially lower. As this eco-friendly method of transportation becomes more popular, cyclists and drivers will become more aware of their places on the roads and fewer accidents will occur.

Until then, there are many things cyclists can be aware of to ensure their safety on the roads. Here are some bike safety tips and tricks based on facts from the CBC and Ontario’s Ministry of Transportation:

Where you can and cannot ride

  • Cyclists must stay as close to the right side of the road as possible, especially if you’re slower than other traffic.
  • Cyclists cannot ride on controlled access highways, such as Ontario’s 400-series highways
  • Cyclists are only allowed to walk their bikes through pedestrian crossovers.

Where and when it’s best to ride

If cyclists aren’t planning to ride to and from work, they should avoid riding during the afternoon rush hour—17 per cent of cyclist deaths and 23 per cent of cyclist injuries occur during this time.

The worst time for a cyclist to ride is at night—30 per cent of cyclist deaths occur at this time. Avoiding busy cities and intersections is ideal for a cyclist’s safety—despite traffic control signs, cyclists are more likely to be injured in an area with these features. Cyclists should also avoid rural areas where the speed limits are 80km/h or more—44 per cent of cyclist deaths happen on these roads.

Wearing a helmet

It is illegal for any cyclist under the age of 18 to ride without a helmet.

For any cyclist under the age of 16, a parent or guardian must ensure that they are not riding without a helmet. Adults are not required to wear a helmet, although it is strongly recommended, as it lowers a cyclist’s chance of injury by 90 per cent. 

Additional cycling laws

The following are changes made regarding cycling law after the passing of Bill 31- Transportation Statute Law Amendment Act , effective September 1, 2015:

  • All drivers of motor vehicles are required to maintain a minimum distance of one metre, where practical, when passing cyclists on highways;
  • Persons who improperly open or leave opened the doors of motor vehicles on highways face increased penalties (commonly known as “dooring”).
  • The fine for non-compliance with bicycle light, reflector and reflective requirements will increase; and
  • Cyclists are permitted to use lamps that produce intermittent flashes of red light. 

For more information on Ontario bike laws, visit the Ontario Ministry of Transportation website.

Fast dial #1000 free from your cell and we’ll get you the support you need.

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What Happens When Your Car Gets Hit by Lightning?

There has been a long-standing fallacy that vehicles can provide full protection when lightning strikes. That’s not entirely the case. The National Lightning Safety Institute reports that some vehicles struck by lightning experience external damage, including pitting and arcing, as well as internal damage to electronic systems and components.

In layman’s terms, what happens to most cars is that the lighting will flow around the outside of a car, with the majority of the current flowing from the car’s metal cage into the ground below.

What to do when driving in a lighting storm?

The National Lightning Safety Institute strongly suggests safely pulling off to the side of the road, waiting out the storm, turning off the engine, putting one’s hands in one’s lap and not touching inside items such as door and window handles, steering wheels and gear shifts.

What is safe – and what isn’t

  • Heavy equipment such as bulldozers and backhoes with rollover canopies are safe during thunderstorms,
  • Riding mowers and golf carts are not safe to be in.

Roll up the windows and don’t touch any part of the metal frame – this means resting your arm on the window or any wired device that might be in the vehicle. For example, the steering wheel or a cell phone that is plugged into the car.

Should a direct strike hit your car, the electric current will flow through the entire frame of the vehicle and typically jump over or through the tires to reach the ground. Most recorded lightning strikes to vehicles typically result in one or more flat tires occurring and damage to the entire electrical system – but no injury to the occupants as long as they stayed away from any metal framework.

Safety Reminder:

  • You also should not to touch the radio,
  • Do not talk on the cell phone,
  • If you are driving, pull to the side of the road, turn on your hazard lights, turn off the engine and wait out the storm.

At Dye & Russell we understand the laws that affect your rights to compensation. Our legal experience within the insurance industry provides the insights required to expedite and secure top results as quickly as possible.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

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Safety Tips to be a Focused and Diligent Driver

According to the Canadian Automobile Association (CAA), distracted driving is a factor in over 4 million motor vehicle collisions every year in North America. Distracted driving is considered to be at equal level with impaired driving because a driver’s judgment is jeopardized when they take their focus away from the road. 80 per cent of collisions and 65 per cent of near crashes have some form of driver inattention as contributing factors. A study has shown that in 80 per cent of collisions, the driver had looked away from the road 3 seconds prior to the crash.

In Ontario, it is illegal to:

  • Operate hand-held communication and electronic entertainment devices while driving. This includes typing, talking, texting, scrolling or dialing on a phone, and manually programming a GPS device.
  • View display screens unrelated to driving.

If convicted of distracted driving in Ontario, the driver will face a minimum fine of $490, up to $1000. Additionally, three demerit points will be applied to the driver’s record. The consequences can be much worse if the driver is found to endanger others with their distracted driving—this may include a six month jail term, or up to five years with a dangerous driving charge.

Despite being Ontario’s biggest road killer, distracted driving is easy to avoid. Here are a few things drivers can do to stay focused on the roads:

Keep cellular devices in the backseat

The most common form of distracted driving is using a cellphone while driving—this includes talking, texting, emailing, adjusting playlists, scrolling, etc. Reduce the temptation to pick it up by putting it somewhere out of arm’s reach. Even if the driver knows it’s wrong to be on their phone while driving, it’s easy to pick up when traffic is heavy and the driver is bored. In any situation, it is dangerous and illegal to be on the phone when driving.

“Drivers talking on cellphones are in many cases just as impaired as drunk drivers” – Insurance Bureau of Canada

Go hands-free

Any device that doesn’t need to be touched to operate other than to turn it on and off is considered “hands-free.” If the driver turns their GPS on before they begin driving it is okay, but it is technically illegal to manually program the GPS while driving.

Another great option is getting a Bluetooth device that securely attaches to the ear or the car. If for whatever reason, a driver feels that they need to answer calls while driving, this is a safe and legal option—given that the device is only being touched when activating and deactivating it.

Map out the route beforehand

Before getting in the car, the driver should have a good idea of where they are going. A driver’s eyes should always be on the road—not looking for street signs. Furthermore, planning the route ahead of time ensures that the driver isn’t constantly looking down at a map or the GPS on their phone.  If the driver has a GPS secured to the dashboard, it should be turned on before driving begins, with the instructions read aloud so the driver won’t have to continuously look at the screen.

Don’t let passengers be a distraction

There’s a reason graduated licensing in many provinces puts restrictions on the number of passengers a young driver is allowed to carry at one time—passengers can be a major distraction. Talking to or listening to a passenger while driving is similar to talking on a cellphone. It is important for a driver to warn passengers to be quiet when entering a risky situation on the road.

“Children are four times more distracting than adults as passengers, and infants are eight times more distracting than adults as passengers.”

Children are particularly distracting to drivers. One way to keep children quiet during a car ride is to supply a book, movie or some other entertainment for them.

Be mindful of music choices

If a driver wants to listen to music from their phone instead of the radio, they should create a playlist beforehand so that they aren’t on their phones scanning through songs while driving.

Drivers should also pay attention to the type of music they are listening. A 2013 study by a music psychologist in Israel has shown that music that creates a psychological response in the brain leads to daydreaming. A study of crash reports conducted by Erie Insurance found that daydreaming caused 62 per cent of distracted driving-related deaths. Hence, drivers should be mindful of their music selection, making sure that music inducing a strong positive or negative psychological response for them is left for another occasion.

So drivers, keep your eyes on the road. Distracted driving is Ontario’s biggest road killer, and that text message isn’t worth it. That’s why we’re a proud sponsor of idont.ca; take the pledge today to put a stop to distracted driving.

Fast dial #1000 free from your cell and we’ll get you the support you need.

 

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Do You Know How to Safely Navigate Thick Fog While Driving?

Fog forms when cool air passes over a warm body of water or moist land – so usually when there is a big difference in temperature between the ground and the air. When the humidity is high enough and there is enough water vapor or moisture fog is sure to form.

While it is quite the eerie sight to see – it can be completely unnerving for those who have to drive somewhere and navigate through the dense fog that hangs over the roads making visibility difficult. It takes a great deal of finesse and caution when heading out on the roads, and the ability to exercise a lot of patience in order to safely arrive at your destination.

With Canadian weather providing everything across the spectrum for drivers – here are some tips to help navigate thick fog while driving.

Don’t drive unless you absolutely have to

Unless the trip is absolutely imperative – put your travel plans on pause until the weather clears up. It might mess up your schedule a bit, but it’s not worth taking the risk.

Make sure your headlights are working properly

When conditions do start to get foggier, you need to turn your headlights on. Don’t just assume they already are – many cars’ dials light up even when the headlights are turned off these days, which can be misleading. If the fog is growing increasingly thick, turn your fog lights on – but only if the density of the fog keeps increasing.

Your complete checklist for fog driving

  1. If the fog is too dense to continue driving, you need to pull completely off the road and try to position your vehicle in a safe parking area. Turn on your emergency flashers, in addition to keeping your low-beam headlights on.
  2. Be patient while driving. There can’t be a rush when driving in fog. Never pass someone because you won’t have the ability to see oncoming traffic.
  3. Slow down gradually at every turn and make sure your speed is kept at a suitable condition if you need to break quickly.
  4. Do not follow too closely to the car in front of you – their reaction time might be slowed causing you to have to break quickly.
  5. Don’t speed up suddenly, even if the fog seems to be clearing. You could find yourself suddenly back in fog immediately.
  6. Leverage the use of pavement markings to help guide you. Use the right edge of the road as a guide, rather than the centre line with oncoming traffic ahead. 

Remember, if the trip isn’t worth it, then you need to rearrange your day accordingly. Fog drastically impacts your driving and visibility, especially at night. So if the trip isn’t necessary – then stay at home.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

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Slip and Fall Prevention During April Showers

You’ve experienced it at one point or another. While walking to grab coffee on a lunch break a lapse of attention hits, and you’re distracted by something your boss said earlier. Suddenly your foot slides, your back twists, and soon you’re looking at the sky while seeing stars, even though its still daytime.

The rainy season is upon us. April showers have arrived. While we wait for May’s flowers to bloom, there are some necessary steps to take in order to avoid harmful injuries caused by puddles and lack of visibility.

Although you can say to yourself “it won’t happen to me”, or “I’m a cautious person”, heightened precautions can never harm, only help. The pain, suffering, and lack of income that can be experienced after a fall can be avoided using these tips and tricks.

At Home

Do you remember your mother always nagging at you to wipe your shoes on the welcome mat before you entered the house? Well, she had a good point. Wiping your shoes off after coming inside is a simple yet effective way of preventing accidents. If your shoes aren’t wet, you won’t slip, easy and your mother’s homemade pie.

Furthermore, it’s prudent to keep your eyes peeled for spills and muddy tracks dragged inside by family members or visitors. When the weather is especially rainy, it can be easy to find puddles of the outdoor downpour on your kitchen floor.

Out and About 

The first step to slip and fall prevention on the go starts with your footwear. It’s imperative to invest in a pair of non-skid shoes for the rainy season. That means that unfortunately, your favourite pair of high heeled pumps or your old sneakers with the flat soles are best to be thrown to the back of the closet for the springtime. 

When you are out of the house doing errands, you are at a higher risk for slips than within the familiar confines of your home. From the workplace kitchen to the department store, be quick to observe if anyone has left a spill on the floor. Spilled liquids such as beverages, soap, or grease can be slippery without appearing hazardous, so be careful to watch your step.

Additionally, be mindful when using staircases. Handrails are meant to be gripped, and can prevent slips on patches of liquid that even a trained eye couldn’t detect. Furthermore, while climbing the stairs, do not carry objects that obstruct your line of sight.

When you’re young, slipping doesn’t appear to be the most threatening thing that could occur. As you age, however, the risks associated with falling increase dramatically. Furthermore, the financial and emotional burdens that an injury can inflict upon individuals can be highly stressful.

Have you recently been injured on the sidewalk or at your workplace due to unsafe conditions caused by the rainy season? At Dye and Russell, we strive to ensure that those dealing with a personal injury get properly reimbursed to pay for the treatment of their injuries. Our clients don’t pay us until their cases are settled or won, because the last thing they need is another expense.

Fast dial #1000 free from your cell and we’ll get you the support you need.

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The Growing Dangers of Distracted Driving in Ontario

While the age of technology has provided advances and innovation that mankind once deemed impossible, it has a dark side. Societies unyielding need to be constantly plugged is proving to be highly dangerous.

While someone bumping into you on the sidewalk due to being distracted by his or her cell phone is irritating, the risks heighten dramatically when individuals are distracted by technology behind the wheel of a motorized vehicle.

Ontario law deems it illegal for drivers to dial, talk on the phone, type messages, text, and send emails while driving. Studies have shown that those who use their cell phone behind the wheel are four times more likely to crash than those who keep their eyes on the road ahead.

While looking down at your phone to read an important message for a brief two seconds may seem harmless, this momentary lapse of attention doubles your crash risk. No message is more important than your life and the lives of the drivers surrounding you.

Not only is the use of cell phones banned by drivers operating a vehicle, but even glancing at a display screen unrelated to driving is too. Some examples of prohibited devices are:

  • iPods
  • Cell phones
  • Smart phones
  • DVD players
  • Laptops
  • GPS screens
  • MP3 players

With the rate of distracted driving going up, the government is strengthening the punishments on the offense to help prevent senseless collisions. The fines or penalties you can incur for distracted driving if you are a fully licensed driver are as follows:

  • A fine of $400, an additional victim surcharge, and court costs. This totals to $490 if your case is settled
  • Fine of up to $1000 if a summons is received or you fight your ticket
  • Three demerit points added to your driving record

However, there are ways to use your devices while staying concentrated on the road and avoiding distracted driving charges. They are as follows:

  • Cell phones: If your phone has an earpiece, or is connected via Bluetooth you can use it only to activate the “hands-free” function. This exemption is only permitted if the device is mounted. You are not allowed to touch or scroll through it.
  • GPS: If your GPS is mounted on the dashboard or windshield, doesn’t obstruct your view of the road, and you inputted the information before you began driving – you are in the clear.
  • Media player plugged into the cars sound system: Permitted as long as the playlist was activated before you began driving

Emergencies

In the event of an emergency, you can use a hand-held device to call 911, but only if you’re in a situation that is causing danger to your safety or the safety of others. If you need to make a call, pull over if you can and keep the duration short.

At Dye and Russell, we’ve seen first hand how distracted driving collisions impact the emotional and physical health of our clients.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

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5 Tips for Baby Proofing your Home

Having a baby involves more stress than merely ensuring it’s fed, washed, and changed each day. As adorable as your little bundle of joy may be, he or she can get into a lot of trouble when they’re not hoisted up in their high chair.

What’s dangerous around a house to a baby typically poses less of a threat to its parents. For this reason, it is imperative to baby proof your house before your little one comes home from the hospital. Here are some tips and tricks to keeping your infant safe around the house.

  1. Outlet Coverage

A basic first step to baby proofing your home is to seal off any electrical outlets with covers. It’s important to ensure that the covers are equipped with a sliding safety latch, as the plastic ones can be a choking hazard to your baby.

  1. Baby Gates

Do you have a room with a tall bookcase that you want to prohibit your infant from entering? Do you want to let the cool breeze in without the risk of your baby crawling outside? Does your child like to play by the stairwell? Baby gates are ideal for all of these situations. Simply install one wherever you would like to barricade your child from entering, and voila, your baby is confined to an area you deem safe. Be careful to purchase a gate that is user friendly and simple to open and close, so you aren’t enticed into leaving it open when you’re in a pinch.

  1. Poison Control

There are many household products that pose fatal risk to babies when they are not properly stored away. Purchasing a good set of safety locks for any cupboards that house cleaning supplies, pharmaceuticals, or sprays is essential to your baby’s wellbeing.

Additionally, if you live in an older apartment building or house, lead paint chipping from the walls can be severely dangerous to babies if they can get their hands on it. It is highly recommended that you hire a professional to remove or cover lead paint before your baby is born, as lead poisoning can cause development issues, learning difficulties, hearing loss, and more health issues in children.

  1. Furniture Risks

Tall pieces of furniture such as armoires, bookcases, and refrigerators must be bolted to the wall if a baby will be around them. Furthermore, place heavier household items on low shelves, to secure a base weight to the furniture.

If your child is a crawler, ensure that you close dresser drawers after grabbing your items, as babies tend to view them as ladders to climb up. Additionally, if an infant pulls on an open drawer, it can pose the risk of the entire piece of furniture falling on top of them. So remember to shut them firmly.

  1. Blinds 

One of the more dangerous items in a home for babies are blinds, specifically the cords that lift them up. To avoid having your child getting entangled, or worse, strangled in a blind cord, opt for cordless window coverings.

Home safety is the first step to ensuring your babies overall health and wellness. At Dye and Russell, we understand the importance of taking safety precautions to prevent injury, especially in the case of infants.

Fast dial #1000 free from your cell and we’ll get you the support you need.

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Why the Onus is on you to Prevent Slip and Fall Accidents

The day you become a homeowner, you take on responsibility for something bigger than yourself. While settling into your new house can feel like you are living in the physical manifestation of your hard work, there are crucial things to take caution of once you are handed the keys. In a country that boasts its four seasons proudly each year, it’s your responsibility to ensure the safety of pedestrians passing by your property.

While summertime yields generally hazard-free sidewalks, the other seasons are not so accommodating. When winter hits, morning commutes and afternoon walks can transform from leisurely strolls to calculated steps to ensure minimal danger.

Yes, pedestrians and visitors are expected to take reasonable precautions while walking, but it your job to ensure they are not subjected to unexpected hazards. As a homeowner, you are required to take the care necessary to ensure the safety of guests and those traversing across your property.

Every personal injury case is not black and white. However, you can be held personally liable for an accident if you were previously aware of a hazardous condition and did not correct the issue or forewarn guests of the danger.

Do any of these dangerous conditions exist on your property?

  • Recently washed floors or spills
  • Uneven terrain such as potholes or lopsided staircases
  • Snowy or icy sidewalks
  • Unfinished flooring
  • Poor lighting
  • Missing handrails

In short, if you knew that your floors were still wet from being mopped, didn’t warn your guests, and one of them happened to slip and injure themselves – the onus is on you.

Although you may know to take caution while walking in your freshly mopped kitchen, your guests are unaware of the hazard. So if a visitor is injured on your property, he or she has the legal right to sue for the suffering inflicted by the accident, any medical expenses, and the loss of income incurred due to your negligence.

The emotional and physical aspects of an injury can be both immensely painful and financially stressful. At Dye and Russell, we strive to ensure that victims of homeowner negligence get the proper compensation to pay for the treatment of their injuries. Were sympathetic to the difficulties that injured individuals face, and we offer free case evaluations with no obligation. Our clients don’t pay until their cases are settled or won, because the last thing they need is another expense.

So homeowners, if you see an ice patch on your driveway, salt it. If you have a pothole on your sidewalk, fill it. If you see anything that could cause danger to pedestrians and guests, address it.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

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