April 2016 Archives

Preventing Sports Related Injuries

TIPS & TRICKS

Participation in sports offers a great deal of physical and psychological benefits for children. One of the worst situations for kids is being sidelined with an injury or worse; suffering an injury preventing further involvement in sporting activities. As parents and coaches, we have the ability to help reduce preventable injuries - so our children can continue playing games they enjoy. The Majority of sporting injuries include sprains (injuries to ligaments) strains (injuries to muscles), and stress fractures (injury to bone) caused when an abnormal stress is placed on tendons, joints, bones and muscle. In a growing child, point tenderness over a bone should be evaluated further by a medical provider even if there is minimal swelling or limitation in motion. Contact your pediatrician if you have additional questions or concerns. A few tips when faced with an injury situation: • Take time off. Plan to have at least 1 day off per week and at least one month off per year from training for a particular sport to allow the body to recover.
• Wear the right gear. Players should wear appropriate and properly fit protective equipment such as pads (neck, shoulder, elbow, chest, knee, shin), helmets, mouthpieces, face guards, protective cups, and/or eyewear.
• Strengthen muscles. Conditioning exercises during practice strengthens muscles used in play.
• Stretching exercises after games or practice can increase flexibility. Stretching should also be incorporated into a daily fitness plan.
• Use the proper technique. This should be reinforced during the playing season.
• Get plenty of sleep as it assures optimal recovery and heightened focus • Drink plenty of fluids before, during and after exercise or play; Lessen or Cease practices or competitions during high heat/humidity periods; wear light clothing.
Overall safety and well-being of our local communities is very important to FWH. Injury prevention is made possible by being aware of the simplest items we sometimes forget. 

A Breakthrough In Vehicle Safety

The U.S. Department of Transportation's National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety announced the commitment by 20 leading automakers representing more than 99 percent of the U.S. auto market to make automatic emergency braking (AEB) a standard feature on virtually all new cars by Sept 1, 2022. Automakers who committed to this endeavor include Audi, BMW, FCA US LLC, Ford, General Motors, Honda, Hyundai, Jaguar and Rover, Kia, Maserati, Mazda, Mercedes-Benz, Mitsubishi Motors, Nissan, Porsche, Subaru, Tesla Motors Inc., Toyota, Volkswagen and Volvo Car USA. Such a commitment means that this important safety technology will be available to more consumers more quickly than would be possible through the regulatory process. What is AEB?AEB is an autonomous road vehicle safety system that employs sensors to monitor the proximity of vehicles in front and detects situations where the relative speed and distance between the host and target vehicles suggest that a collision is imminent. In such a situation, emergency braking can be automatically applied to avoid the collision or at least to mitigate its effects. This is a remarkable feat as vehicle safety will take a monumental leap for drivers worldwide! 

What It Means To File A Personal Injury Claim

Every day individuals are the subject to injury at the fault of negligence on another individual's behalf. WE ALL LIVE WITHIN THIS POSSIBILITY. In order to help you be aware of the ins and outs of an injury situation, FWH has put together the basic knowledge you need to know and what it means to file a personal injury claim. You need to be aware there is a difference between a claim and lawsuit. Referencing injuryclaimcoach.com: A personal injury claim is between you and the at-fault driver's insurance company, before any lawsuit is considered. The claims process is a series of negotiations between you and the insurance company's claims adjuster. The negotiations hopefully result in a compromised settlement payment, where both parties are satisfied. A claim begins after a victim is injured or suffers property damage (or both) caused by another individual's negligence. To cover the resulting costs, the victim pursues the at-fault driver, who turns the matter over to their insurance company. This generates the claim and turns investigation over to the company's claims adjuster. A personal injury lawsuit is filed when the negotiation process breaks down, and a compromise can't be reached. The breakdown may occur because the claims adjuster denies their insured was at-fault, or doesn't agree with the severity of your injuries and the amount you're demanding. TECHNICALLY, you can file a lawsuit anytime, starting from the first day of the accident. But for most minor accidents, a lawsuit is a last resort. It's only considered when negotiations break down, and other methods of resolution have failed (i.e. arbitration and mediation). A negotiated settlement is often the best result because it avoids the high costs and lengthy duration of a trial. Although you might not be satisfied with the amount of money being offered, before you refuse, consider the expense and time needed to pursue a lawsuit. With the above distinction in mind, which is the best option for your situation and how do you decide the next steps? Many situations that call for legal help are difficult, trying times. FWH takes time to explain the process and ensure that you have all the information available to make the best decisions. Text "Injury" to 82474 or visit our site for Instant Chat to speak with Partner Attorney Travis Holtrey. 

Is Full Coverage Really Full Coverage?

Building on one of our previous blog posts, "Ten Secrets Insurance Companies Don't Want You to Know When You Are Negotiating a Settlement," many insurance companies know how to take advantage of you when you're in a time of need, simply put. When it comes to deciding on insurance coverage the list of considerations, full coverage, collision coverage, do I owe on my car, rental coverage, lien holders, deductibles, and the list goes on..and on..and on. In order to help you get through the weeds, FWH has put together a few items to consider when deciding on insurance and understanding when and where your full coverage will have you, well, covered. First thing is first, full coverage DOES NOT cover everything. THE REAL FACT IS, full coverage isn't a coverage in itself. It's a phrase generally used to designate a number of coverages that provide a good amount of protection: specifically liability, comprehensive, and collision coverages.Liability helps pay for damage you cause in an at-fault accident, while comprehensive and collision can help repair damage to your car (or replace it altogether). It's a robust package of protection, yes - but it might not provide all the protection you need. And that's why "full coverage" can be misleading. In the state of Kentucky, full coverage does include up to $10,000 medical payments coverage. Full Coverage does not include:
Uninsured/underinsured motorist coverage (UM/UIM)
Emergency road service coverage
Customized parts and equipment coverage
Rental car coverage
Gap coverage (aka auto loan/lease coverage) If you encounter an issue with an insurance company, err on the side of caution and contact Foreman Watson Holtrey, LLP for a free consultation.

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