13 percent of Louisiana drivers don’t have the car insurance required by law. In an effort to keep insurance rates under control, Louisiana passed the “no pay, no play” law that penalizes drivers that don’t have insurance. All Louisiana vehicles must have Bodily Injury Liability and Property Damage coverage. Optional coverages are Comprehensive, Collision, UIM, Towing and Labor, Rental…
Adjusters are paid to save money and to pay you the least amount legally possible for your claim. You must remember that they don’t have your best interests at heart when they process a claim, as your best interests will result in a much higher payout on their part. Do not let an adjusters convince…
Regardless of the severity of the car accident, the most important thing to do immediately after is to call 911. For minor fender-benders where no one has sustained injuries, try to move the vehicles to a safe area that’s outside the lanes of traffic after taking photos of the crash site. Louisiana is classified as…
Workplace injuries have the potential to occur in any industry, regardless of whether physically intensive tasks are involved in your work duties or not. OSHA states that work-related musculoskeletal problems have become the leading cause of pain, suffering and disability in American workplaces. Ergonomics are defined as as, “The science of fitting workplace conditions and…
Even in Louisiana the temperatures can drop to near freezing levels, which can present a number of hazards while you’re working in the cold. Each person’s body reacts differently to difficult weather conditions, but some of the most common early symptoms of an adverse reaction to cold weather are fatigue, shivering, slurred speech and bluish…
The heavy uptick in traffic between Thanksgiving and New Year’s Day makes it much more hazardous to drive. There are more DUIs and alcohol-related fatalities during the holidays than any other time of year, which makes the already crowded roadways particularly dangerous. If you can help it, try to only drive at times when traffic…
Personal protective equipment (PPE) is there to ensure your safety for any incident that can occur at your job site. Although there are several different pieces of PPE for different areas of work, some common pieces of PPE include hard hats, high-visibility clothing, skin and hand protection, eye protection, hearing protection and more. Employers have…
Be familiar with your surroundings — knowing the location of most items and heavy equipment areas, you can avoid walking into potential danger zones. Make certain to avoid, deal with or report unsafe conditions when you make note of them. Maintain proper posture — when sitting, hold your back straight at a 90-degree angle, and…
Remove any unwanted objects in your vehicle and store them in your trunk. Ensure the top of the headrest is the same height as the top of your head to help minimize movement. Always buckle up regardless of the distance you’re driving. Pay attention to what is happening around you while driving and ensure there…
Be familiar with your surroundings — knowing the location of most items and heavy equipment areas, you can avoid walking into potential danger zones. Make certain to avoid, deal with or report unsafe conditions when you make note of them. Maintain proper posture — when sitting, hold your back straight at a 90-degree angle, and…
