Posts Tagged ‘car’

Insurance Coverage Definitions

Friday, June 18th, 2010

Continuation from June 6, 2010 blog—more coverage definitions:

 

Uninsured/Underinsured Motorist Bodily Injury - Covers bodily injuries to you and your passengers when the at-fault person has no insurance or not enough insurance to fairly compensate you for your injuries.  In some states, there is also uninsured motorist coverage for damage to your vehicle.  Given the large number of uninsured and underinsured motorists, this is very important coverage to have, even in states with no-fault insurance.  Coverage is limited to the terms and conditions contained in the policy.

 

Property Damage Liability – Covers you if your car damages someone else’s property.  Usually it is their car, but it could be a fence, a house or any other property damaged in an accident.  It also provides you with legal defense if another party files a lawsuit against you for property damage.  It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object.  Coverage is limited to the terms and conditions contained in the policy.

 

Adapted from an article from CarInsurance.com – 05/14/2009

 

Next month – 10 Steps to Buying Auto Insurance.

  

Law Offices of Buckland & Schumm, P.S.  We offer free consultations and have over 27 years experience EXCLUSIVELY in personal injury law, with a long history of success helping accident victims understand their legal rights.

INSURANCE COVERAGE DEFINITIONS-CONTINUED

Thursday, June 10th, 2010

Continuation from April, 2010 blog—more coverage definitions:

 

Bodily Injury Liability:  Covers other people’s body injuries or death for which you are responsible.  It also provides for a legal defense if another party in the accident files a lawsuit against you.  Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering.  In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit to ensure your personal assets won’t be jeopardized. Bodily injury liability covers injury to people, not vehicles; therefore, it is a good idea to have the same level of coverage for all your cars.  Bodily Injury Liability does NOT cover injuries to you or other people on your policy.  Coverage is limited to the terms and conditions contained in the policy.

 

Personal Injury Protection (PIP):  Covers within the specified limits (often, up to $10,000 or three years, whichever comes first), the medical, hospital and funeral expenses of the insured, others in his/her vehicle and pedestrians or bicyclists struck by the insured’s vehicle.  It will also cover a portion of the lost income, within specific limits, of the covered parties listed above.  PIP is only available in certain states, Washington State being one of them.

 

Adapted from an article from CarInsurance.com – 05/14/2009

 

Next – Continuation of coverage definitions of car insurance.

  

Law Offices of Buckland & Schumm, P.S.  We offer free consultations and have over 27 years of experience EXCLUSIVELY in personal injury law, with a long history of success helping accident victims understand their legal rights.

Treatment of Low Back Pain

Tuesday, September 8th, 2009

Treatment of Low Back Pain

 

Did you know…one out of every five American is suffering from back pain RIGHT NOW and the numbers are growing!

 

Timothy Carey, M.D., director of the Sheps Center for Health Services Research at the University of North Carolina at Chapel Hill believes the main reasons back pain is growing in America are the rising rates of obesity and stress. Accidents, whether automobile collisions or falls, also contribute to the cause of low back pain.

 

Low back pain should really be called spine pain because that’s where it originates.  The adult spine consists of 26 bones, called vertebrae.  Picture a stack of pancakes, with butter between each pair, all loosely held together by maple syrup.  The pancakes are the vertebrae, the butter pats are the water-absorbent discs between the bones, and the syrup is an intertwining collection of ligaments, joints, and muscles, all tangled with the cables carrying nervous system signals, including pain.  Over time, your discs, the shock absorbers for your body weight, wear out.  As you age, your bones become weaker, and you may develop osteoporosis (which can lead to fractures) or osteoarthritis (a breakdown of cartilage that may cause bones to rub to together).  Add something as simple as a low-impact, rear-end automobile collision, and it can topple the stack. 

 

So what should you do if you feel low pack pain?   First, determine whether it’s acute or chronic pain.  Acute pain can be caused by a muscle that stretched so far it tears. It can feel like a sudden stab followed by a burning sting, and it may last for as little as a day or as long as several weeks.   Chronic pain may have started as acute but never went away.  If pain pasts longer than three months, it’s chronic.

 

How to treat acute pain:  Ice the injured area for 20 minute intervals to reduce inflammation and swelling, says Marilyn Moffat, D.P.T. Ph.D., professor of physical therapy at New York University.  After 72 hours, switch to heat to soothe the muscles.  Heal also helps with muscle spasms, which are involuntary contractions that send pain signals to the brain.  After the initial pain passes, the best thing is to move.    Until recently, doctors advised those with acute back pain to lie in bed until the pain passed.  But a 2005 study found that people on bed rest have more pain and a slower recovery than those who stay active.  To aid movement in the early days of pain, try wearing a lumbosacral corset, which supports the lower back.

 

Adapted from an article by Perry Garfinkel in the AARP Magazine. 

 

Next month—how to treat chronic pain and the major causes of low back pain.

UNDERSTANDING YOUR SPINE

Wednesday, July 22nd, 2009

Understanding Your Spine

 

The spine is made up of four sections—cervical (neck); thoracic (bottom of neck to top of low back); lumbar (lower back); and sacrum (the fused levels of bone below the waist).  At the very bottom of the sacrum is the coccyx, familiarly known as the “tailbone.”  The vertebrae of each section are numbered, such as C-4 for the fourth vertebra down from the skull or L-5 for the last vertebra before the sacrum.

 

In between the vertebral bodies are the discs, which hold the vertebrae together, absorb shock and act as pivot points allowing the spine to rotate and bend.  Discs are comprised of the annulus fibrosus (the outer “container” part of the disc) and nucleus pulposus (the fluid inner part of the disk).  These disks are named by the vertebral bodies above and below it, such as L5-S1, which is the disk between the bottom lumbar vertebra and the top sacral fuse bone section.  The sacrum is the only part of the spine that does not have discs.

 

One spinal injury is an “annular tear,” meaning the outer “container” part of the disc has torn open, allowing the fluid from the disc to leak out.  Other, more commonly known, disc injuries include “bulge,” “herniation,” “protrusion,” and “extrusion.”  Though these names should reflect the severity of the disc coming out, they are frequently used interchangeably, often causing confusion.

 

The spinal cord runs down the back from the brain stem down to the sacrum.  The spinal cord is surrounded by the thecal sac (the outer “container” part) which contains cerebral spinal fluid.  If a disc protrudes, it can push on the thecal sac, which can cause the fluid to put pressure on the spinal cord.  Because the spinal cord branches out at each level of vertebral body and disc (called nerve roots), sometimes the pressure can be on the nerve root resulting in pain down the arm or leg. 

 

As our bodies age, it is common for discs to bulge, protrude, or even herniate, often without causing any pain.  We may never know this has happened because we have no symptoms.  However, if we experience trauma to our backs, such as, from a fall or an automobile collision, symptoms can occur—either from a newly injured disc or from a previously injured disc that didn’t cause pain until trauma “lit up” the pain.  It’s vital to consult with a doctor if pain radiating down the arms or legs is experienced or if ongoing back pain despite conservative treatment (massage, physical therapy, etc.) is experienced.  And if an injury caused the pain, consult with an experienced injury attorney.  Buckland & Schumm offers free initial consultations by phone or in person.

 

Adapted from an article by Jeff Davis in the May 2009 edition of Trial News.  Next month will focus on treatment of back pain.