injury lawyers

Tips to Ride an ATV Safely

Now that the warm weather is here, there are so many outdoor activities to try like ATV riding. ATVs and other off-road vehicles (ORVs) can be a lot of fun, but there are rules to follow to ensure safe driving. ATVs do not have the same amount of safety features that other vehicles have so it is important to be aware of this.

ATVs, much like other motor vehicles, present their own set of risks. Driving an ATV is a very different experience than driving a car so it is imperative that you have the right experience for this type of vehicle. Depending on the type of ATV you have, some ATVs can reach highway speeds. However, ATVs are not built with the same safety features as cars and other motor vehicles like seat belts, crumple zones and airbags. All of these risks should be considered before you begin riding your ATV.

5 Safety Tips for ATVs and RVs

Follow local laws for ATVs or Off-Road Vehicles

Before you hit the road, it is important that you understand your province’s ATV or Off-Road Vehicle laws. It will cover everything you need to know including where you can ride and tips on how to ride safely.

Your ATV is not a toy

ATVs can be a lot of fun, but it is crucial to take the necessary precautions to prevent any potential injuries. ATV/ORV safety should be taken seriously to prevent any potential accidents.

Safety gear is important

One of the best ways to stay safe while riding an ATV is wearing the right safety equipment. Some of this safety gear includes helmets, goggles, long shirts and pants, and boots. Wearing the right safety gear will help to protect you if you get into an accident.

Maintain your ATV on a regular basis

There is nothing more important than staying on top of your ATV maintenance. Regularly maintaining your ATV is crucial in preventing breakdowns and avoiding potential accidents.

Steps to Take After an ATV Accident

If you have been in a collision or car accident, the steps you take afterwards are critical. Getting in touch with a personal injury lawyer that specializes in ATV accidents will help you determine if you are entitled to receive compensation for your injuries.

Practicing ATV safety is essential to ensure a fun and enjoyable riding experience. By following these ATV safety tips, including wearing appropriate protective gear, maintaining the ATV properly, and avoiding dangerous riding behaviors, riders can significantly reduce the risk of accidents and injuries. It is crucial to always prioritize safety while riding an ATV to prevent potential harm to oneself and others.

To learn more about ATV safety tips, contact Dye & Russell. Whether you have questions about slip and falls, car accidents or trauma, we can answer any questions or concerns you may have about staying safe on the road.

May 25, 2023 Uncategorized

Can Social Media Impact the Outcome of your Injury Claim?

In the present day, it is no secret that anything you post online goes onto your digital permanent record. Deleted posts, while not visible to your friends or family, never fully disappear. Therefore, it is extremely imperative that those who enjoy sharing photos, status updates, and location information with their social media audiences be mindful of what they choose to post.

You would not want your boss to see your long-winded status update complaining about the new office policy, would you? Our guess is no. However, job security is no longer the only thing that can be threatened by social media – personal injury claims are too. Allow us to explain:

Inconsistent Images

Social media is not typically the most authentic place. Your feeds have given you the opportunity to present the most envy-inducing version of yourself to anyone who views them, and most people take advantage of that power.

Including defence lawyers.

If your life were dramatically altered after a car accident-related brain injury, chances are that you would not post or feel like posting when you were in the midst of dealing with painful side effects. Mental health issues caused by the accident will likely go unmentioned on your Facebook timeline, and details about the physical injuries you sustained will not be described in detail, if at all.

So how does it look to an opportunistic defence lawyer, when on the one evening you decided to go to your friend’s annual Labour Day barbecue, multiple photos were taken and posted online that made it appear that you were out and about, having the time of your life?

This is where many sufferers who are seeking compensation for their injuries misstep. If you are claiming the accident has dramatically affected your emotional life, but meanwhile, you are trying to portray a carefree and happy image on social media, the defence could use that as evidence to have your case thrown out.

Proper Protocol

If you experience a personal injury, it is wise to avoid posting anything on social media from the day you are injured until the day your case has been settled in court. Despite your abstinence from social media, friends and family still have the power to post updates and images related to you. Therefore, it is highly advised that you speak to those within your inner circle about the potential risks associated with your social media presence and ask them to avoid mentioning you online. Furthermore, while having airtight privacy settings is a good security step to take, the settings may not protect you from the defence gaining access to your posts.

Social media can be great fun, however, suffering after a personal injury is far from it.

If you have been injured in an accident, you may be able to receive compensation for the damages you faced. Contact us to book your free consultation.

October 15, 2022 Driving, General surgery, Liability Claims, Road Safety, Safety, Spinal Cord Injuries

5 Road Safety Tips

Fall is an exciting time of the year. The leaves are changing colours, the air is getting cooler and the idea of wrapping up in a blanket with a warm beverage is too good to resist. There are pumpkin patches to visit, apples to pick and piles of leaves to jump in.

Going for a car ride to admire the beautiful colours and scenery Ontario has to offer is a great way to spend time with your family outside of your home in a safe environment. While these mini-road trips can induce a sense of freedom and possibility, they can also pose a serious risk when drivers fail to navigate the roads safely.

So, before you embark upon your next adventure, ensure that you’re aware of these safety precautions that must be taken to ensure a safe arrival at your destination:

Plan Ahead

First and foremost, it’s crucial to map out your route before you sit down in your vehicle. In doing so, you will learn ahead of time if you will be encountering any obstacles such as construction zones. In addition, planning ahead gives drivers the confidence of knowing how long the drive will take, so they can plan accordingly and avoid rushing through traffic to make it to their destination on time.

Double Check Items in Tow

It’s imperative that if you are towing a trailer, a boat, or any other item behind your vehicle, you ensure that it is secured properly. If it’s a trailer, double-check that the lights on it are working, so that the traffic following behind you can see if you are about to pull over or turn. Furthermore, confirm that the trailer tires are in good shape, to avoid any potentially dangerous accidents on the highway.

Avoid Distracted Driving

The digital age has created the pressing issue of smartphone addiction. If you’re operating a vehicle, you should comply with a strict “no cell phone” rule, to avoid any temptation to check your phone. Distracted driving is a highly dangerous plague to the safety of drivers everywhere.

Luckily, Ontario law now deems it illegal for drivers to use their phones for communication purposes while on the road. Still, not everyone adheres to these laws, and those who use their cell phone behind the wheel are four times more likely to crash than those who focus on driving. Not only do you amplify the risk of causing your passengers harm by checking your phone, you further put the safety of surrounding vehicles in jeopardy.

However, if you’re on the road and desperately need to make a call, you are permitted to do so using Bluetooth technology and the hands-free function on your phone.

Practice Defensive Driving

Defensive driving entails driving with the sole intent of avoiding a collision. This may mean remaining even-tempered when faced with aggressive drivers, maintaining a comfortable speed, and a safe distance between yourself and other vehicles. By having patience and practicing defensive driving, you limit the risk of injuring yourself, your passengers, and the people in surrounding vehicles.

Stay Focused

If your trips Point A is a considerable distance from its Point B, you’re going to need to ensure that you get the rest you require to avoid a fatigue-related collision. You should not allow the excitement and anticipation of reaching your destination to impair your judgment of when it’s time to take a break from driving. Furthermore, be sure to make frequent stops at gas stations, even if you don’t need to purchase anything so that you can stretch and increase your alertness and blood circulation.

By taking these safety precautions on your road trip, you’ll dramatically lower your risk of getting into an accident on your journey. However, if you have been injured in a car accident due to another driver’s negligence, you may be able to receive compensation for the damages you faced. Contact us to book your free consultation.

September 15, 2022 Driving, Road Safety, Safety

11 Ways to Manage Your Chronic Pain

If there is one thing that makes day-to-day activities or tasks more difficult, it is chronic pain. That constant throbbing in your neck, sharp pains in your back or aching in your knees. So many people spend countless hours trying to relieve their pain or symptoms with no satisfaction. Common ailments linked to chronic pain can include injuries received in a motor vehicle accident, slip, trip or fall incidents or more severely as a result of a catastrophic or traumatic accident.

To give you a hand and to help bring you some relief, we are sharing WebMD’s list of 11 tips for living with chronic pain. Some of these you might be more familiar with, and some may be new, but everything is worth a try once.

Relax using Deep Breathing or Meditation Practices

When we are stressed, our muscles can become tense and tight. Practicing deep breathing or forms of meditation can reduce these symptoms and help you relax. Having a gentle massage or taking time to focus on clearing your mind are other ways to combat tension.

De-Stress

Did you know that feelings of depression, anxiety, and anger can increase the intensity of chronic pain? Learning to manage these types of emotions has been said to provide some relief. There are several ways that you can de-stress. For example, listening to calming music can uplift your mood or writing out your emotions in a journal.

Exercise

This is a popular way to deal with injuries. When you exercise your body naturally releases endorphins which help improve your mood. Exercise, in general, is good for your health, it keeps your blood pressure regular, and cholesterol levels normal and decreases risks for heart diseases. It also strengthens your muscles which, when strong, limit the chance of reinjuring yourself and reduces chronic pain symptoms.

Limit Alcohol Intake

When you deal with chronic pain, getting a night of proper restful sleep is next to impossible. Having a drink to take the edge off may seem like a good idea. However, unlike popular belief, alcohol can make sleep problems worse. Limiting how much you drink alcohol can help improve your quality of sleep.

Connect With Others

It is natural to associate with people who have similar traits to you or interests. Going to group meetings with others who have been in serious motor vehicle accidents or are now suffering from the side effects of others’ negligence keeps you from feeling alone. Connecting with people who are also suffering from the same or similar chronic injury or disease can evoke the same feelings of belonging. Others may also offer symptom relief methods or practices that you may not have tried.

Do Not Smoke

Reduced circulation levels are a known side effect of smoking. This can intensify any circulation conditions and further increase the risk of heart disease and cancer.

Track Pain Levels

Keeping your doctor informed about how you are feeling helps them provide the proper care. Between visits, track how you are feeling in a journal. Using a scale of 1 – 10 and listing out activities or things done that day can help pinpoint what triggers higher pain levels. Sharing this with your doctor can help in the management of chronic pain. This can also be useful if you have suffered an injury at work, such as a slip and fall, and need detailed documentation for medical appointments.

Try Biofeedback Therapy

This method of therapy is new to us. Biofeedback claims to allow you to control various body functions. Using sensors, you can “hear” or “see” different body functions. It is displayed on monitors as squiggly lines that you eventually learn to control these functions using your biological system.

Get a Massage

Quite possibly the most widely used form of stress and chronic pain relief. Massages alleviate the tension in your muscles and allow for complete relaxation. Those who suffer from back and or neck pain as a result of a slip and fall or motor vehicle accident find this method of relief a fantastic way to manage their symptoms.

Eat a well-balanced diet

Believe it or not, what you eat plays a part in how you feel. Eating a well-balanced diet keeps your digestive system running well, reduces the risk of heart disease and keeps your weight under control.

Get Distracted!

Get out and get your mind off things. Sitting around and thinking about your bad knee, cursing the sidewalk for causing you to slip and fall does not make things better, in fact, it does the opposite. Doing something you enjoy will take the focus off your pain and instead keep you preoccupied with the activity at hand.

If you experience chronic pain due to a motor vehicle accident, slip, trip or fall or other traumatic accident and are being treated unfairly, you might need legal assistance. Call Dye & Russell for a free claim assessment.

August 22, 2022 Cardiology, Driving, Liability Claims, Road Safety, Safety, Spinal Cord Injuries, Uncategorized

Park and Playground Safety

Time spent at the park allows children to socialize, get some exercise, and explore and engage with age-appropriate challenges in a supervised environment. Even with an adult supervising the fun, accidents can still happen– bruises, falls, scraped knees and elbows, and other risks and injuries are all possible on the playground. According to the Canadian Public Health Association, “An analysis of playground falls between 1994 and 2003 estimated that each year 2,500 children below 14 years of age were hospitalized for serious injuries. Of this total, 81% had suffered a fracture while 14% were admitted for a head injury…”. Teaching kids about the importance of playing safe and the rules of the playground is critical in avoiding injuries and maintaining fun. Here are some things you can do to ensure your child remains safe.

Remain Alert

Enjoying the carefree energy your child has is important to healthy growth and development, but it can be dampened by an injury that could have been avoided. As a parent or guardian, you are responsible for remaining aware of potential risks such as unsafe climbing or running, arguments on the playground, and any dangers in the environment. If you or your child has experienced an injury obtained at a park or playground you may be eligible for compensation. Contact the professionals at Dye & Russell for your free claim assessment today.

Look For Potential Risks

Even if you keep your eyes on your kids as much as possible, an accident can happen before you have time to react. Preparing before enjoying the many fun activities, like the slide and swings, take a look at the playground park area for any potential risks. The play equipment and play spaces must meet the CSA (Canadian Standards Association) requirements for safety. Shock-absorbing materials such as woodchips, synthetic shredded rubber or sand should be used for a safer and softer area to play in. All equipment should also be free of breakage or sharp and dangerous areas.

Glass, nails, bolts, or bottles are all things that can be left behind by careless people and have the potential to injure your child. Take a thorough look around before playing in the sand or grass in the park and playground area.

Proper Maintenance

If you believe there are safety issues with a playground reach out to your park’s local operator. An unsafe play area can be avoided with proper maintenance– if you or your child has been injured due to negligence, contacting a personal injury lawyer like the ones at Dye & Russell is the right step on the road to recovery.

Review The Rules

Go over the rules of the playground and ensure your child understands the risks that come with playing on any park structures. Make sure they stay or play in age-appropriate areas that are meant for them specifically.

Looking after your child’s safety while they run around and enjoy the excitement of park activities is a hard job, and sometimes an injury can happen. If you or a loved one has been involved in an accident at a park or playground, contact the professionals at Dye & Russell today for your FREE Claim Assessment and more helpful resources.

Reach us toll-free at 1-877-883-6171 or visit us online to speak with a live agent. Your road to recovery is important to us.

June 15, 2022 Liability Claims, Safety, Uncategorized

Tips for Safe Winter Driving

Staying safe and following the rules of the road is always important. It becomes even more important during the winter months when roads and driving conditions are less than ideal.

It is during this time that our team at Dye and Russell Personal Injury Lawyers see an increase in vehicle accidents among other seasonal accidents such as a slip and fall.

Contacting a #personalinjury lawyer if you have been involved in an accident is one of the first things you should do. The experts at Dye and Russell have experience working with #vehicleaccident claims and understand your frustrations. We are here to get you what you deserve and make recovery as smooth as possible.

If you plan on driving anywhere this winter, here’s what you should know.

Winterize your vehicle.

Prepare your vehicle for the Canadian winters by taking the necessary precautions.

Change your tires from all-seasons to winter tires.
Properly defrost windows and remove any obstructions like ice.
Update your car safety-kit with winter items like an ice scraper.

Failing to equip your vehicle with the proper tires or performing regular maintenance could lead to an accident and potentially cause serious #injury. In instances when an accident has occurred reaching out to an experienced personal injury lawyer can help answer many of the questions you will no doubt have.

Keep fluid levels topped up.

In addition to regular maintenance, it is important to keep your fluids (like gas and windshield-washer fluid) topped up. Condensation in the gas tank has the potential to freeze and cause problems and a lack of windshield-washer fluid can limit visibility when driving.

The lack of visibility is a serious risk while driving in winter conditions. It is easy for ice to build up and for a vehicle to spin out of control. Should you find yourself in this situation and an accident you have been involved in has caused injuries, you should contact an expert like the lawyers at Dye and Russell. They work quickly and diligently to ensure you receive the financial and physical compensation you deserve.

Wipe off your vehicle.

Wiping snow off your vehicle reduces the likelihood of snow sliding off and obstructing the view of drivers behind you. Drivers who have been involved in an accident because of the #negligence of another person should speak with a lawyer immediately.

Have a cellphone.

In the event of an accident, having a cellphone will allow you to connect with help and emergency services (if needed). It also gives you the ability to connect with a personal injury lawyer as soon as possible following the accident. When you fast dial #1000 from your cellphone, you will be connected with our team at Dye and Russell Personal Injury Lawyers. Helping you from the start is part of the Dye and Russell experience.

By no means should a cellphone be used by the individual while driving; drivers should pull off to the side of the road before making a call.

Adjust for the road conditions.

No matter what tips you follow, adjust your driving to match the road conditions. It is your responsibility to be a safe driver and take the necessary precautions.

If you or a loved one has been involved in an accident, contact the experts at Dye and Russell Personal Injury Lawyers. Their team of professionals have years of experience in #personalinjury law and fighting for the compensation you deserve. Call and book your FREE consultation today at 1-877-883-6171 or fast dial #1000 on your cell phone.

January 31, 2021 Driving, Road Safety, Safety

Tips & Tricks: Bike Safety Basics

Cycling is a great way to get around—it gets 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% 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% of cyclist deaths and 23% of cyclist injuries occur during this time.

The worst time for a cyclist to ride is at night—30% 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% 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%.

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. If you know of a cyclist who has been in an accident, have them contact us at our Ajax (905-427-2000) or Barrie offices (705-726-2146) for their free consultation.

August 28, 2020 Safety

What You Should Consider When Disputing an Insurance Claim

Everyone knows that dealing with the big insurance companies can give you a headache and have you running around in circles with no answers. Policies can be so complex that sadly, insurance companies have often used their inside knowledge to take advantage of insureds through policy loopholes. This can leave insureds at a standstill in regards to their insurance claims and even result in a claim being denied.

Insurance is one of those things that you love to hate but have it anyways. It gives you and your family the protection they will need if something should happen to them or yourself. However, even if you are paying your bill on time each month and never miss a payment, insurance companies will look to find the cheapest way to pay out your claim to save money for themselves, if they pay out at all. This can be the last thing you want to deal with when you’re faced with a loss.

Here are four steps to consider when resolving a dispute with an insurance company.

Gather information

Insurance policies aren’t always easily understood by the average person. Ask your agent, broker or insurance representative for clarification about your concern/issue. The rights and responsibilities of all parties are written within the policy (aka contract), however miscommunications can occur.
If you have general questions you can contact the IBC Consumer Information Centre (CIC). They can assist with basic questions about policy wording, coverage or how to proceed with a complaint

Get in touch with the insurance companies Complaint Liaison Officer or Ombudsperson

Licensed insurers have a complaint resolution process, and someone assigned to enforce this process. This role is regulated by the provincial regulator.
If you plan on making a complaint through this channel, be sure to state your complaint clearly, including the expected resolution. Be sure to have all your documentation readily available and take note of all persons you spoke with regarding the complaint as well as what was spoken about. Finally, give the Complaint Liaison Officer or Ombudsperson sufficient time to investigate & respond to your complaint.

Reach out to the GIO (General Insurance OmbudsService)

If you’ve gone through your insurers complaint processes and aren’t satisfied you can request a Final Position Letter and contact the GIO. The GIO is an impartial consumer dispute resolution system. It is in place to help you and the insurer resolve disputes about claim-related matters.

Take it to the Federal or Provincial level

If your dispute cannot be solved by the GIO, or if the insurance company isn’t a member of the GIO, you can take it a step further by contacting a Financial Consumer Agency of Canada.

Dye & Russell should be your first call if you’re having issues claiming insurance compensation. We have the experience and knowledge of the industry that keep us from being pushed around by policymakers. Let us handle the big insurance companies and take the stress away from you to get you what you deserve.

If you’ve experienced a claim denial or want to dispute a claim, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

November 26, 2019 Uncategorized

Understanding the Levels of Spinal Cord Injury

Accidents that result in a spinal cord injury can be scary stuff. The spine is made up of vertebrae and depending on the location of the injury there can be life changing effects, like losing the ability to walk or use other parts or functions of the body all together. Generally, injuries have a greater severity and dysfunction tends to occur the higher up the injury is on the spinal cord.

The spine is split into 3 levels; the lower back containing lumbar and sacral nerves, the thoracic nerves in the mid-back and the upper back with the upper and lower cervical nerves. These are some of the outcomes that can be expected if a spinal cord injury is sustained.

Lower Back

Lumbar nerves (L1 – L5)

Often, insured parties suffer from loss of function in their hips or legs.
There is limited or no voluntary control over the use of the bladder or bowel. However, with the use of special equipment this can be managed on their own.
Use of a wheelchair or leg braces may be required depending on the strength of their legs.

Sacral nerves (S1 – S5)

Like lumbar nerve injuries, there is often some loss of hip or leg movement as well as limited or no voluntary use of the bladder or bowels. Persons can manage this with use of special equipment.
There is a likelihood that walking will occur.

Mid Back

Thoracic nerves (T1 – T5)

Injured nerves impact muscles in the upper chest, mid-back and abdominal areas.
While hand and arm function may be normal, often times the trunk and legs are affected (known as paraplegia).
Persons will typically be able to use a manual wheelchair and eventually drive a modified vehicle. Others will be able to stand in a standing frame or walk with leg braces.

Thoracic nerves (T6 – T12)

Tends to result in paraplegia with normal use of the upper body.
Persons can maintain control and their balance when in the seated position.
May experience some productive coughing if the abdominal muscles are intact.
As with the thoracic nerve T1 – T5 injuries, persons most likely use manual wheelchairs, learn to drive modified vehicles, stand with a standing frame and some even walk with braces.

Upper Back

High-cervical nerves (C1 – C4)

This most severe level of spinal cord injury; results in complete paralysis of the arms, hands, trunk and legs
Generally, persons are unable to breathe, cough, or control bowel or bladder movements on their own.
Requires assistance with daily living activities (e.g., bathing, eating) and needs 24-hour a day care.
Cannot drive motor vehicles on their own however may be able to use a powered wheelchair with special controls.
Speech can also be impaired or reduced.

Low-cervical nerves (C5 – C8)

Nerves in this group control the arms and hands
This level of injury may allow a person to breathe and speak normally on their own.
Each of the vertebrae in this level affects different nerves and muscles and depending on the specific vertebrae that is injured, have different outcomes
- Injury of the C5 vertebrae for example may leave a person with the ability to move their hands and arms and bend their elbows while an injury of the C7 could mean the person’s elbow and finger extension range is impacted.
- Injuries of the C6 typically cause paralysis of the hands, trunk and legs where as C8 injuries can affect hand movement and the ability to grasp and release objects.

No matter the level of spinal cord injury that a person faces, it is life altering. A task that used to be easy, maybe even taken for granted, is now difficult and could require assistance. Sadly, spinal cord injuries affect approximately 85, 000 Canadians with an average increase of 4000 per year.

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

September 29, 2019 Spinal Cord Injuries

5 Common Liability Claims Faced By Homeowners

Home is supposed to be a safe place, not just for you but anyone that comes on to your property. You try to take care of your lawn & trim trees, shovel snow in the winter and fix uneven floorboards on your deck. Sometimes you’re better than other times.

Even with all that upkeep, there are possible hazards in your home and on your property that could cause (accidental) harm to others. A simple slip & fall could land you a hefty bill if a lawsuit is filed & your home insurance policy doesn’t fully cover you.

These are 5 common liability claims that a homeowners could face.

Dog bites
Did you know that most insurance policies cover damages or injuries that are caused by members of your household? Probably. But did you know that pets are often included in that coverage? Apart from some dog breeds, dogs that are at a lower (perceived) risk of biting are considered members of your household & therefore covered by your policy.

In the home or on the property
Accidents ranging from a guest tripping on a carpet that isn’t properly secured or falling through a broken stair are fair game. Even those door-to-door salespeople who come on to your property without your permission. Neglect on your part to clear a sidewalk or path to your front door could mean you’re left on the hook.

Guests under the influence
Hosting a party at home or an event at another location, the liability you have over your guests remains in place. When alcohol is involved and a person becomes intoxicated, any harm they may cause to another person or to property could be your responsibility. Hiring a bartender can help monitor the amount of alcohol guests are consuming.

Falling trees
The extra weight of snow and ice weigh down small trees and branches makes them prime candidates for snapping off and crashing into whatever’s below. It’s a good idea to trim trees and any overhang in the fall before things freeze.

Domestic workers
It is becoming more common for families to hire help around the home. From nanny’s to maintenance workers each person hired to work on your property increases your liability should that person get injured while at work. Sometimes workers can have workers compensation in the event of lost wages, so it’s important to do your research ahead of time.

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.

August 28, 2019 Liability Claims