5 Tips To Protect Your Trucking Company After And Accident

Two focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. One of the keys to success when owning a trucking company is managing the risks of having vehicles out on the road. The following contributed post is entitled, 5 Tips To Protect Your Trucking Company After And Accident.

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Trucking accidents are all too common. There are over 500,000 trucking related accidents in the U.S. alone every year. That is one accident every 15 minutes!

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These accidents can have devastating effects on not just your trucking company but also on the community.

Here are 5 steps you can take to protect your company after an accident.

Tend to The Most Immediate Needs – The Accident and Your Driver

After an accident, the first step you should take is to tend to the most immediate needs – the accident and your driver. As soon as you are alerted to an accident, take the appropriate steps to ensure your driver is taken care of. The practicalities from the accident are taken care of, such as securing the cargo or arranging for the truck to be recovered in a safe location.

Don’t Admit Fault

It can be tempting to admit fault after an accident. But you want to refrain from doing so.

The first reason is that admitting fault might void your insurance coverage. You need to check with your insurance company before admitting fault, as it might not affect them at all.

Another reason that you don’t want to admit any fault because the other party may try and sue your company for damages they believe they deserve (and you’re liable for). And the more you say, the more ammunition they have.

Contact Your Insurance Company

After an accident, the first thing you should do is contact your insurance company. Your small fleet owner truck insurance should hold all the information you need to process a claim.

After the accident, you need to make sure all of your bases are covered.

You may be surprised by what you find out when you speak with your insurance company.

For example, if the other driver is found at fault for the accident, their insurance will cover the cost of repairs for your vehicle. Your insurer will then reimburse you for those costs once they’re finalized.

Before contacting your insurance company, gather as much information about the accident as possible (i.e., date and time of the collision, location where the crash occurred, weather conditions during a collision). This information will help them process your claim faster and get you back on the road more quickly.

Watch your words

When communicating with the public after an accident, it’s best to avoid using words like “accident” or “crash.” It may seem like a minor detail, but these words can make people think their accident was insignificant. Make sure you use terms like “incident” or “collision.”

The first step is to get legal representation. You need someone who knows the law and can help you with your trucking company and the victims of your accident. The lawyer will help you determine what compensation you are entitled to and how to settle any lawsuits against you best.

Contact The Third-Party Whose Goods you Were Shipping

If you were in an accident and transporting any materials for a third party, be sure to contact them immediately.

They want to know if their goods are safe and if the incident will delay the shipment. This protects your company from any legal liability from their point of view as they will assume responsibility from this point forward.

7 Things You Need To Do After A Car Accident

Two focuses of my blog are Financial Literacy/Money and Health/Wellness. Car accidents impact those involved them in a myriad of ways. Two major ones are finances and personal health. It’s important to know what to do in the event that you get into one. The following contributed post is entitled, 7 Things You Need To Do After A Car Accident.

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Although people seem to travel around less due to the COVID-19 pandemic, it’s still essential to be cautious on the road. It’s always prudent to prepare for any emergency that may arise during daily activities, including road accidents. Statistics reveal an 8% increase in fatal road accidents between 2019 and 2020 in the US. You need to take some essential steps when you’ve been involved in an accident, including the practical tips below.

1. Don’t drive away
No matter how minor the accident may seem, it’s best not to drive away from the scene immediately. You may not be sure how serious your injury is or the extent of damage to your car. It’s best to stay put while you call for help to ensure your safety and offer enough information when the police arrive. To stay safe while waiting, you can keep your lights on to improve visibility and make it easier for others to spot you. It’s advisable to have a safety kit in your car that includes a flashlight, so you can keep that on in case your car lights are damaged. While you wait, you can help calm yourself down by taking deep breaths to slow down any adrenaline rush you may be feeling.

2. Contact the police
It’s always vital to call the police immediately an accident occurs, no matter how minor the accident or your injury may be. If you feel any pain, you should contact 911 or ask someone to help you reach an ambulance. Calling the police will help make other processes, such as claiming your insurance, easier for you. It’s essential to take in the accident scene details so you can give an accurate report when they arrive. If you’re able to, you can take pictures of the scene or damage with your phone to keep a record, but remember not to interfere if the police are investigating the scene. If for some reason, you can’t recall all the facts when the police arrive, you should be honest and let them know instead of speculating. If there’s another party involved in the accident, ensure that they make an accurate statement as well if you can.

3. Get all the necessary information
Accident issues are usually not solved within a day, and the parties involved may not always cooperate. Therefore, you must obtain the necessary information from all parties involved in the accident before you leave the scene. You can do this while waiting for the police to arrive. Information such as their names, phone numbers, and addresses is vital. It’ll also be crucial to get any witnesses’ information if you need their account in the future.

4. Inform your insurance company
It’s best to inform your insurance company as soon as possible after the accident occurs, as most insurance companies require that you immediately report when there’s such an incident. Depending on the insurance package you’ve settled for, you should be able to access the benefits such as medical care and repairs after your full cooperation and after they’ve assessed the extent of the damage. It’s prudent that you keep a detailed file of all the information and documents regarding the accident to make it easier for you to claim your insurance and provide all the necessary information. Although you may want to handle the costs on your own, it’s best to claim your insurance instead to save you time and money.

5. Consult your lawyers
It’s vital that you know your rights as an accident victim, to avoid being cheated or losing essential evidence. You need to contact your lawyers so they can advise you even before you make a statement. Your attorneys can guide you on how to get total compensation, medical care, etc. For instance, decisions such as suing for damages from a trucking accident will be easier and more informed after consulting your lawyers.

6. See a doctor
Injuries from accidents aren’t always apparent. Therefore, you need to seek medical attention as soon as possible to minimize the risk of severe or permanent damage. You can either consult your family doctor or visit the closest hospital to ensure you haven’t sustained any injuries, especially to your head, chest, or spine.

7. Tow your car if necessary
You may need to tow your car if it’s badly damaged. If the police don’t call a towing company, you should have one on hand to contact quickly. Before settling for a towing truck company, it’s best to ensure that they’re credible and can get the job done without further damage.

Having an accident is unpleasant and can lead to several issues. However, with these tips, the incident will be easier to deal with, and you’ll have a handy checklist to help you get through it.

Recovering After an Accident: 5 Steps to Get Better (Fast!)

A key focus of my blog is Health/Wellness. Whenever one sustains an accident adversely effecting their personal health, getting the initial treatment (surgery for example), is just the first step. There is a much longer road to recovery ahead, whatever that is for the person. The following contributed post is entitled, Recovering After an Accident: 5 Steps to Get Better (Fast!).

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Photo by Kaboompics .com from Pexels

If you have been injured or fell victim to an accident, recovery time can be one of the aspects you are most concerned about. Naturally, taking time off work might mean that you can’t count on your standard income.

And, of course, medical treatments can cost you quite a lot of your savings! However, your body will be able to heal faster if you focus on recovering, cutting out all the stress that everyday life can trigger. If you need to get back on your feet quickly and without significant financial losses, check out the tips below!

Get the Rest You Need

Sleep and rest are among the most important aspects of our lives, and good quality sleep can work wonders for our health. Indeed, an increasing number of adults suffer from a number of sleep disorders, such as insomnia, which can lead to mental and health issues such as anxiety, stress, and depression.

Sleep can have an incredible restorative and healing power, and it can replenish your body of the energy spent during the day. Just by lowering stress and inflammation, resting and sleeping can help you heal faster.

So, if you are dealing with the consequences of an injury or accident, remember to take time off, you need and work on regaining strength.

Let Others Take Care of Some Aspects of the Accident

Even if you prefer to be always in control of most situations, sometimes it is beneficial to let others take care of certain aspects of the situation. Whether they are happy to give you a comfortable place to stay, ready meals, or extra comforts, you should allow them to take some things off your mind. This can also be helpful for you to focus on what matters during such a situation!

Get Professional Help

Being involved in a vehicle accident or being injured can put a lot of strain on your physical and mental wellbeing. However, often, the first thing we tend to worry about is the financial loss that might follow such a situation.

While this is an aspect that should not be overlooked, there are highly qualified professionals ready to take care of this aspect. For example, experienced lawyers can help you understand what your rights are and how to claim the compensation you deserve. This kind of help can be essential to cover most of the medical and repair costs and makes it essential to have a lawyer on your side.

Introduce a Healthier Routine

Once you are out of the hospital and focusing on your health, you should not overlook the importance of a healthy routine. Indeed, practices such as meditation, yoga, and journaling can help you clear your mind and create an action plan that cuts out stress and anxiety. So, you can focus on recovering faster while starting to feel more centered and balanced. In turn, this aspect can be essential to safeguard the health and happiness of the whole family.

The Food You Eat Can Make You Stronger

While facing the recovery process, don’t underestimate the importance of nutrition. Indeed, following a healthy nutritional plan can help you get back on your feet much quicker and regain your strengths in no time!

Reducing Accidents in Your Workplace

Two of of the focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. Depending upon the type of company you’re running, you want to think about employee safety and minimize accidents. Accidents can not only disrupt productivity, but they can also increase the likelihood of lawsuits. The following contributed post is entitled, Reducing Accidents in Your Workplace.

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Workplace accidents can be costly in many different ways. As an employer, you could find yourself facing legal action if a member of your team, a customer or a visitor is injured in your workplace. You could lose money as productivity drops during any confusion or repairs. You could find yourself working without a valuable member of your team, and you could find that your reputation suffers, that you are no longer able to keep or attract the best staff and that your customers start to ask questions about what goes on in your company. Especially if the accidents begin to add up.

Of course, accidents happen. We all have the occasional trip, or we make a mistake during a loss of concentration. Machinery and equipment fail us, human error can never entirely be eradicated, and unfortunately, things don’t always go quite to plan. There will still be accidents in the workplace, just as there are on roads and in homes. But, as an employer, finding ways to reduce accidents in your workplace can increase profits, lower staff turnover, improve your reputation and the consistency of the service and products that you offer and give staff morale a big boost. It’s undoubtedly worth committing some time to look at ways to reduce the accidents in your workplace, even if there aren’t that many in the first place.

Assess Your Workplace and Staff

Some accidents can be avoided just by taking the time to look at what is going on. You should complete regular risk assessments, to help you to spot any potential risks and find ways to reduce them.

It’s also worth assessing your staff. You might want to consider drug testing services, as a sober team is always going to be less accident-prone and less of a risk to others. But, even without measures like this, it’s good to have regular staff appraisals, where you speak with your team one on one. Use this time not just to assess their performance, but also to ask them if there is anything that they need extra help with, or if there is anything that you could be doing to make their job easier and safer. As the boss sat up in the office, it’s not always easy to know what’s needed.

Does your staff also work in other locations? When you are considering how to reduce workplace accidents, it’s also smart to think about any other working environments. Perhaps you have field staff who are working on-location or are out on the road for long hours. They might be out of sight, but you can’t forget about the possibility of a fatal truck accident or a safety incident during the delivery of goods. It’s essential to consider how to keep them safe even if you don’t have eyes on them at all times. This might include things such as tracking drivers, ensuring they are well-trained, and maintaining vehicles.

Keep Maintenance up to Date

Most businesses use some kind of equipment. It might be heavy machinery, it might be vehicles, or it might just be fridges to store stock. Whatever you use, when it goes wrong or isn’t able to work at its best, it becomes more likely to cause an accident. Keep maintenance up to date, schedule yearly services, and act at the first sign of trouble.

Keep the Workspace Clean

Whether you work in an office, a shop or a factory, a dirty and messy workspace can cause trips, slips, banged heads, falls and many other accidents. Make sure all staff and customer areas are kept clean, and that your employees follow a clean as you go policy. Give them the tools that they need, such as cleaning supplies and wet floor signs, to do this efficiently.