Sunday, June 16, 2019

Are Assets Safe In A Car Accident Lawsuit?

Are Assets Safe In A Car Accident Lawsuit?


In the past, people regarded a car accident as a blunder and something to progress from fast by fixing the damage. Today, this is not the case because other individuals might regard a person’s bad luck as their advantage. This is mostly accurate if the person has assets like money or property. If an individual is involved in a car accident, his or her assets are positively endangered.

are assets safe car accident Are Assets Safe In A Car Accident Lawsuit?

In the Wrong

Just because a person has a car accident does not imply that he or she will lose assets to others who were involved. The individual must be liable, or the accident must have been his or her fault. The police officer at the accident scene does not specify who is in the wrong. Liability is decided in a court, eventually, or by the insurance companies involved with the drivers if they arrive at an agreement. From time to time, liability is obvious. However, laws do not decide it since it is a civil matter. If a person is sued, he or she must defend him or herself, or the court will suppose that the individual is in the wrong. As a result, the court could issue a decision to the other party.

Exempt Assets

A few assets that a person might possess cannot be obtained in a lawsuit. Most frequently, retirement assets kept in an employer-sponsored retirement plan might not be obtained to fulfill a lawsuit. An employer-sponsored plan contains a 401k or 403b plan. These plans are provided protection from lawsuits under federal law. A few states might also permit identical protections to assets kept in an Individual Retirement Account (IRA). If an individual’s salary or bank accounts is garnished because of a car accident lawsuit, his or her disability or any other federal benefit cannot be garnished.


If person owns assets, generally a home, and his or her state provides substantial homestead exemptions in a bankruptcy, he or she could dismiss his or her judgment by filing for bankruptcy. Every nonexempt asset will be obtained to pay a bankrupt individual’s bills. However, he or she could retain the exempt assets like huge quantities of home equity if appropriate, while the plaintiff in the car accident lawsuit must wait like everyone else. In addition, IRA accounts benefit from at most $1 million in bankruptcy protection. If an accident originates from drunk driving, or maybe other types of negligence, the decision is not fulfilled in the bankruptcy and must be paid.


A driver must safeguard his or her personal assets. About every state insists on drivers buying liability insurance at an extremely reduced level. Any driver should have automotive liability insurance of more than equal to the value of his or her net worth. It might be an excellent suggestion, conditional on the situation, for a driver to have more. If the individual cannot buy automotive liability coverage that is adequate for his or her needs, he or she can buy umbrella liability coverage for a greater amount. Equal to $1 million in umbrella coverage can normally be bought for between $200 to $300 a year.

Zane Schwarzlose is a writer at The Law Offices of WT Johnson, a personal injury law firm in Dallas, Texas. Zane hopes he’s never sued in a personal injury claim.

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Staying Safe As A Senior Driver

Staying Safe As A Senior Driver


When you’re a senior driving can become a very scary task. It can end up being a danger not only to yourself, but to other drivers on the road as well. As you age a lot of your sense abilities will begin to deteriorate, thus making it harder to stay safe on the road. A lot of times the conversation about driving as you get older gets avoided until it’s too late and an unfortunate accident happens. However, it’s a very important conversation to have in order to keep you and anyone else on the road safe.

staying safe senior driver Staying Safe As A Senior Driver

In this article we’re going to cover the reasons why driving becomes dangerous as you get older as well as what you can do, if you’re older, to ensure you stay safe while you drive.

Why does it become dangerous to drive as I get older?

According to a study that was conducted by the University of Colorado School of Medicine, a persons driving skills begins to deteriorate when they turn 65. As you age there are a few age-related effects that can begin to effect your driving ability. For instance, your vision may begin to deteriorate, which will make it difficult to recognize objects that are both close and far away.

Another age-related issue is hearing loss. When you can’t hear as well it can be harder to react to accidents before they occur, as well as horns, and sirens.

It’s important to get all of these tested by a doctor to see if you will be at risk when you’re on the road.

What can I do to remain safe while driving as I age?

A big help in aiding in your driving ability can be the car that you’re driving. It’s recommended that you have a car that has a six-way adjustable seat, this will allow you to make sure you are position perfectly. If you happen to have arthritis it can be helpful to have a steering wheel that’s easy to grasp and maneuver.

Lastly, you’ll want to ensure that you can read all of the instruments on your control panel, so it’s recommended that you have bigger and brighter controls if necessary. One more thing to consider is having auto-dimming mirrors, this will help your vision and make the transition from day to night much easier.

I hope this article has been helpful and you have a better understanding at how to remain safe on the road as you get older. If you’re a senior right now maybe it’s time to consider having a check up with your doctor to see if it’s still safe for you to drive. Or, you might be getting older or have a senior in your life that you can pass these tips onto. It’s never to take to start practicing safe driving.

Staying safe on the road will not only help to keep yourself safe, but the other drivers as well.


Zane Schwarzlose is a writer at The Kyle Law Firm, a personal injury law firm in New Braunfels, Texas. Zane doesn’t plan on driving much when he gets older.

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Staying Safe While Bicycling At Night

Staying Safe While Bicycling At Night


If you’re an avid bicycle rider then you know that riding your bike is something that happens. The sun sets and you have to get home so you have no other options except to bike home. If this does happen to you on a regular basis you’ll want to do everything in your power to make sure that you remain seen by other drivers and that you stay safe on the road. A lot of times motorists find it hard to see you during the daytime, so this danger and inability to see you only increases exponentially as it gets dark.

staying safe bicycling night Staying Safe While Bicycling At Night

This becomes even more dangerous the later it gets, as the drivers that are most likely to be on the road will be tired.

Most bicyclists riding at night assume that the car headlights illuminate them so they are easier to see, however this isn’t always the case. At times, the visibility is so low and the cars are traveling at such high speeds that you won’t even be noticed until its too late.

In this article we’re going to illustrate why it’s so hard for bikers to be seen at night as well as some steps you can take as bicyclist to make sure you remain safe while you’re on the road.

Why is it so hard to see a person on a bicycle at night?

A big part of being able to see a person riding a bicycle at night, is the color of clothing. Black clothing blends into the lack of surrounding light and goes a long way towards increasing your invisibility. Even having reflectors doesn’t increase your chances of being seen by that much.

Bikers usually overestimate how easy it is for them to be seen, and usually assume that cars can see them from a further away distance than they actually can.

What can I do as a bicyclist to make sure I’m more visible at night?

If you absolutely have to ride your bicycle at night you’ll want to do everything in your power to make sure that you can be seen. This means you’ll want to wear the brightest clothing possible. Neon colors and bright orange and yellow will help you out here. You will also want to have a back taillight and a headlight. In some cases you can even have a blinking red light on your back, which will increase your visibility. You can also ensure that you have reflectors on your tires, the back of your bike and even on your helmet.

Just think that the brighter you are the better chance you’ll have at being seen, and thus it will ensure a safe ride home.

I hope this article has been helpful and you have a better understanding at why the visibility decreases for bikers so much when the sun sets, as well as what bikers can do to increase their likelihood of being seen. If you’re a biker it’s better to assume that cars won’t be able to see you and take every precaution necessary. If you’re a driver it’s important to keep an eye out for bikers, even if you think the road is open.


Zane Schwarzlose is a writer at Alamo Injury Attorneys, a personal injury law firm in San Antonio, Texas. Zane doens’t trust his fellow drivers enough to bike at night.

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Make Product Safety A Priority: Buy Only Safe Products And Appliances

Make Product Safety A Priority: Buy Only Safe Products And Appliances


Most of us are always on the lookout for the best bargains in the market. But when it comes to buying electrical products and appliances, choosing the lowest price may result in huge costs in the long run. These cheap appliances may place your home and your family at risk. For instance, if an appliance repeatedly blows a fuse or it constantly trips the circuit breaker, it could mean that the appliance is defective and might cause a house fire or electrical shock.

To prevent this from happening, you need to make sure that the products and appliances you are buying have been properly tested and certified. But that’s not all. You should also be a responsible consumer by making sure that the product is used as intended and that you will take precautions when operating the appliance. If you are careless and neglectful, you might create a hazardous situation that can result in injuries, suffering, and losses.

product safety priority buy only Make Product Safety A Priority: Buy Only Safe Products And Appliances

How Do I Know That An Appliance Is Safe To Use?

When purchasing new appliances, you should always look for safety certifications. You should also look for the manufacturer’s warnings and recommendations for safe use. These labels are present in most products in the market. The gold standard in safety around the world is the Underwriters Laboratories (UL). They have been testing and writing safety standards for different kinds of products, appliances, and materials for many years. Although each country and state often have their own safety certification programs and electrical safety guidelines, the UL mark is still widely recognized as a trusted seal of approval.

Manufacturers are also required to have their products and appliances tested by a third party testing laboratory. The testing lab should be able to make sure that the product adheres to the safety standards set by the state and federal laws. Click here to learn more about the testing procedures that third party testing laboratories offer.

Manufacturers should also remember that it is an offense to sell and distribute products and appliances that fail to meet the safety standards. For this reason, when you are looking for a new appliance, you should look for the appropriate approval badge and regulatory compliance mark.

Basic Appliance Safety Tips

  1. Use the product according to the manufacturer’s instructions. It is recommended to read the user’s manual before operating the appliance.
  2. Use the product only for what it was designed for. Using it for other purposes might pose a risk or hazard. In addition, it will also void the product warranty and lower its life cycle.
  3. Unplug all electrical appliances, especially hair dryers, curling irons, and clothes irons, when they are not in use.
  4. Avoid using appliances with frayed cord, melted plugs, or exposed wires. Immediately repair or replace any damaged cords and plugs. For added precaution, you should discard them.
  5. Do not plug the product into a faulty electrical circuit. Seek help from an electrician if the electrical receptacle shows signs of smoke, flashing, or arcing.
  6. Repair or replace any damaged appliance to an authorized repair center. If they can’t be repaired, safely dispose of them.
  7. If your appliance has an auto shut-off function, do not misuse it. Say, for example, you have a small amount of coffee left in the coffee maker, do not rely on the auto shut-off to turn it off. Doing so might result in a house fire.
  8. If an electrical product has fallen into the water, do not reach for it unless you are sure that the appliance is unplugged or the circuit breaker is shut off.

Kris Bennette has been writing professionally for more than two years and she has written articles for lifestyle, family, and health and wellness topics for online publishing. In this article, she lists a few tips for choosing safe appliances.

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How Do I Stay Safe As A Pedestrian?

How Do I Stay Safe As A Pedestrian?


A lot of times as a pedestrian you assume that your safety is guaranteed, however this isn’t always the case, especially if you end up walking recklessly. Your safety as a pedestrian is just as much of your responsibility as it is others drivers and bikers.

how stay safe pedestrian How Do I Stay Safe As A Pedestrian?

In this article we’re going to cover the top ways you can stay safe as a pedestrian, as well as a few initiatives that are underway that are seeking to improve pedestrian safety. Since pedestrian accidents have increased in recent years it’s important to do what we can to reduce this number.

How can I ensure my safety as a pedestrian?

A big reason most pedestrians are injured when they’re walking is because they’re distracted from what’s taking place around them. If you’re unaware of the car that’s speeding by there’s a higher chance of you getting injured, compared to a person who is completely aware of their surroundings. Although, it’s impossible to be aware all the time, there’s a few things you can do to improve your chances of not being distracted.

First, is not texting while you’re walking. Over a third of all walkers report to being distracted when they’re walking. The biggest distraction is from sending or receiving text messages. In fact, people who were responding to a text message while they were walking were four times more likely to walk out into the street without looking. Texting and doing other things on a cell phone also made people more likely to walk out into the street where there wasn’t an intersection.

As a pedestrian you can also increase your chances of staying safe by avoiding intersections that are too crowded, only crossing in crosswalks, and wearing brighter clothing if you’re planning on walking at night or in low light conditions.

Aside from pedestrians alone, drivers can do their part to be more aware of the pedestrians. If you’re driving always increase your awareness when you’re entering an intersection, and slow down if you have to.

What initiatives are currently underway that are improving pedestrian safety standards?

Currently, in the LA area more sidewalks are being installed to help pedestrians know where to walk. By having more crosswalks drivers are also more cautious, thus resulting in less injuries all around.

Other states and counties are continuing to add to their pedestrian safety measures. As accidents went down across the board, they actually increased in relation to pedestrians. This could simply be because more people are opting to walk to work than ever before. Whatever the case it’s important for cities to increase their safety measures, while drivers and pedestrians alike minimize their distractions whenever possible.

I hope this article has been helpful and you have a better understanding at how you can maintain your safety while walking on the sidewalks. Remember, your safety is your responsibility. A big piece of staying safe is to have the awareness of where other cars and bicycles are on the road.

It will take a cohesive effort between walkers, drivers and more regulations and sidewalks to help reduce pedestrian accidents across the board.


Zane Schwarzlose is a writer at The McMinn Law Firm, a personal injury law firm in Austin, Texas. Zane is glad he’s never been hit while walking.

Photo Credit: @EffStopp

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Moving To Bear Country? – How To Stay Safe

Moving To Bear Country? – How To Stay Safe


Are you moving to bear country? Are you worried about bear encounters? Do you want to know how to stay safe while in bear country?

In the United States, brown bears are usually found in parts of Alaska, Idaho, Montana, and Wyoming. Although these species are said to be found in California, they are no longer in that state. In fact, they are also considered as a threatened species in South of Canada. If you are moving to any of the regions where brown bears or grizzly bears are said to be found, it is best to practice safety precautions to avoid possible fatal encounters. Bears are magnificent, amazing animals; however, they can also be dangerous especially if they feel threatened. Listed below are a few pointers for staying safe in bear country.

moving bear country how stay Moving To Bear Country?   How To Stay Safe

Know Your Bear

Bears are curious and intelligent animals. They also try to avoid humans; however, it is still important to respect and learn proper behavior to avoid possible encounters. Here are a few basic pieces of information about the most common types of bears you will see in bear country.

Grizzly Bears: These creatures range in color from black to light blonde, but most of them have a medium to dark brown coloring. Their average size is around 350-500 lb and they stand around 3.3 ft to 6.5 ft. at shoulder. If you see this type of bear, you will notice a distinct shoulder hump.

Black Bear: This type of bear also ranges in color from black to light blonde despite the name “black bear”. If you see this type of bear, you will notice a lighter patch on their chest. Their average size is around 110 to 300 lbs and they stand at 2.3 to 3 ft at shoulder. They are much smaller than grizzly bears. They also don’t have a hump on their shoulder.

Roadside Bear Viewing Safety Tips

  • Yellowstone Bear World suggests keeping all your windows and doors locked when viewing bears from the roadside. Keep in mind that bears can and will climb through open windows, especially if you have food in the car.
  • If you are driving through traffic, keep your eyes on the road and don’t stop to avoid possible road accidents.
  • Don’t stop in the middle of the road if you see a bear. In addition, do not stop close to a hill or curve.
  • If you spot a bear, always stay in your car. You should also remain a good distance from the bear.
  • If the bear ignores you, you can take pictures and then move on.
  • Never feed a bear
  • If the bear starts to approach your car, leave immediately. This bear may have been fed by other people in the past and could be dangerous.

What To Do If You Encounter A Bear While Walking or Hiking?

Stay alert. You should always be on the lookout for bears or watch out for signs of their presence. Look for tracks, scats, tree scratches, claw prints, or fresh diggings. Make sure that you give these creatures plenty of room.

Choose a safe route. You should choose routes with excellent visibility. This is especially important when hiking through unfamiliar terrain.

Travel in groups. Although this isn’t practical, you need to understand that the larger the group, the lower the risk of bear attacks. Staying in a group will intimidate bears. This magnificent creature is more likely to approach one or two people instead of a larger group.

Stay away from bears. If you sight a bear a few feet away from your location, do not come any closer. Don’t approach this creature just to get a closer look or to get a better photo. Instead, you can use binoculars to look at them up close.

The author, Kris Lim, is an advocate for wildlife preservation. In this article, she lists a few bear safety tips for those who are moving to or are staying in bear country.

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How To Keep The Public Toilets Safe

How To Keep The Public Toilets Safe


Though it may seem that the design of a washroom should be relatively straightforward, there are some considerations that may be not being so obvious.  These include crime prevention and impediments to vandalism.  The British Toilet Association (Yes, there is such a group. provides a document that provides information about design, operation, and management of public toilets. Download Publicly Available Toilets: Problem Reduction Guide. (Getting to where you want to go!)

public toilets How To Keep The Public Toilets Safe

Several factors contribute to the need for such a publication. When public facilities were first built in Britain, they often were placed in hidden locations to protect public sensibility.  Unfortunately hidden means that these facilities have often been used for rather unsavory activities.  Another issue is that, after legislation required access for people with disabilities, many toilets became outdated and were closed. This meant that there are fewer public washrooms.  This guide helps architects and managers think of public toilets as a part of all public venues—whether streets, parks, or any building accessible to the general population.


Just as with any other building, toilet location is key to successful use. Visibility and accessibility is of prime importance. Visible washrooms mean that:

  • There are fewer opportunities for vandalism.
  • A community’s sense of ownership of a local facility may limit problems.
  • Children are safer when their play areas, and therefore, their public toilets, can be seen.
  • Higher levels of passersby mean that more eyes are on the facility.


Most of us never consider that crime prevention at a toilet is a major issue. But simple guidelines can greatly improve the safety of both the users and the fixtures.  These guidelines include:

  • Keep the entrance visible, facing the street or car park, etc.
  • Locate near high-traffic areas.
  • Avoid blind corners.
  • Plant shrubbery that will not grow more than one metre high.
  • Keep any landscaping well maintained and attractive (this discourages vandalism).
  • Use only open enclosures to reduce places for loitering (e.g. mesh fencing).
  • Keep pathways open so there are no opportunities for lurking.
  • Allow up-close parking only for disabled persons.
  • Provide some secure place to anchor bicycles or even prams.
  • Keep lighting sufficient for a crime deterrent and distributed so that there are not shadows.
  • Provide readable signage about usage, open times, and directions to other facilities. Clear signs encourage users, keeping the opportunity for vandalism low.
  • Include the locations of public toilets on tourist maps, websites, and municipal information sites.

All of these recommendations are aimed toward the provision of a pleasant washroom that will be well maintained, which definitely helps discourage vandalism. The idea is to make the toilet as welcoming as possible; the greater the traffic, the lower the incidence of crime.

Well-maintained public toilets must include basic supplies needed by users.  This includes clean hand washing sinks, Clean Water Saving Taps, adequate and clean dispensers for soap and hand sanitizers, hot air hand dryers or paper towels, and constantly available toilet tissue. Regular cleaning and sanitation are important.  A poorly maintained facility does encourage vandalism, and, unfortunately, criminal behavior.

Chloe enjoys writing, and currently works as a writer. One day, Chloe would like to have her own novel published which she is working on in her free time.

Photo Credit: spDuchamp

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IT Security For Small Businesses – Simple, Easy Steps That Can Keep Your Business Safe

IT Security For Small Businesses – Simple, Easy Steps That Can Keep Your Business Safe


When you start a small business, it can often seem like you are trying to make the most of the resources you have, with people wearing lots of different hats and things that bigger companies might view as essential being seen as a luxury or a low priority. However, one area where you shouldn’t allow your small business to fall behind is where it comes to security.

An IT security breach can be disastrous, and at the worst can cause you to lose all of the important records your business relies on, as well as use of things like your mail accounts and website. A physical security breach, where things may be stolen or vandalized, can be equally devastating, both in terms of money and your continued operations. Here we take a look at the simple things you can do as a small business owner to bolster security:

Basic IT Security for Your Small Business

it security small businesses IT Security For Small Businesses   Simple, Easy Steps That Can Keep Your Business Safe

There are a few measures you need to make sure you’ve taken across the board on all PCs used within your business.

The first is to make sure both the individual machines and any network you may have is protected by good, up to date antivirus software and a firewall. You should set your security software to run full checks once a week, and schedule these to happen overnight or at another time when nobody is likely to be trying to work. You can either invest in a good security package or use Microsoft Security Essentials if your budget is low to zero!

The second thing you need to do is make sure critical updates from Microsoft, and to your regularly used packages, are set to run automatically. This will mean you get the latest patches that will defend against any newly discovered security weaknesses. Whatever version of Windows you are running, patches are still released years after the initial launch, so make sure you have this set to be an automatic download and install.

Physical Security for Your Small Business

it security small businesses1 IT Security For Small Businesses   Simple, Easy Steps That Can Keep Your Business Safe

If you have an office, warehouse or retail store, then you also need to consider how secure your site is. For most physical sites, at least one business security camera is an important asset, set up at an access point so you can easily monitor who has been on the premises and when if there is an incident. You may choose to have a full network of CCTV cameras if you have a lot of visitors to your site (for instance if you have a retail store or an office or workshop with a lot of valuable equipment that clients visit every day).

You should also have some sort of access control, beyond standard keys that can be easily copied. A number lock, or a security access system that relies on ID passes, can allow you to really lock down who can gain access to your premises and also let you restrict where certain staff can go.

By implementing these basic security measures, which you can do fairly cheaply and easily, you can keep your business and its assets better protected, leaving you and your team free to worry about making your venture a success!

The contributor of today’s post, Kate Harris, is a security expert at AAA Satellite, one of the leading manufacturers of security locks and cameras in KS. In her spare time, she likes to write blogs about the different security equipment and the importance of installing them in workplaces.

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Happy New Years! How to Ring in a Safe 2013

Happy New Years! How to Ring in a Safe 2013


It’s countdown time again, and the biggest party of the year is almost here. This is the only celebration that rings out the old and promises a fresh start. The final days are flying off the calendar with reminders to make reservations, check with friends and make sure that your plans are perfect. You have so much to do, but think about including something special for this holiday. Add a few simple strategies that will keep you safe on the road this New Year’s Eve.

Celebrate With a Plan

While you’re getting ready for this exciting evening, think ahead. If you know that you’ll be driving, plan on taking it easy. Instead of a drink before you head out, have a small meal. It really will make a big difference when you enjoy that first cocktail, and your hostess will never know. Nibbling snacks and sipping water in between highballs are great strategies for staying sober. They work in any party setting from clubs to your best friend’s house. Remember that you’re not the only one on the road, so pace yourself. A few beers or a glass of wine will ring in your New Year with more clarity than the hard stuff. You’ll be safer on your way home, and you’ll share that with everyone else sharing the road.

Always Have a Backup

Now that you have a good plan, add another layer of safety. You don’t intend to overindulge, but being prepared can make the difference between a safe ride home or a DUI. You’ll be out with friends, so why not start with them? For instance, the information at agrees that a designated driver is your best strategy for a safe New Year’s Eve. Celebrating with the group is always fun and everybody watches out for each other. Take advantage of the safety in your numbers. If you’re flying solo, check local programs before you head out. Many communities have armies of volunteer drivers dedicated to getting you home safely. Keep the phone number of a local taxi service in your pocket; this is a backup plan that works all year long.

Navigate the Evening

The roads are always crowded on New Year’s Eve, and not everyone has your strategy for staying safe. Knowing this gives you another advantage. Before you leave the house, make sure that your car is ready for the drive. Check your turn signals and brake lights. Consider this a defensive move against folks who might otherwise miss your moves in traffic. Take your time and take it easy through intersections. If you find yourself behind a car that’s weaving all over the road, don’t try to pass. Slowing down might make you a few minutes late, but it can save you much more than time. Don’t forget to watch out for pedestrians. They’re enjoying the excitement too, and they might miss a step. Don’t let it happen in front of your car.

The holidays are a special time for joy and celebration, but the number of DUI accidents and arrests always spikes between Christmas and New Year’s Eve. Public awareness campaigns help, but it’s up to you to take care of yourself and the people around you. Planning a safe New Year’s Eve does more than guarantee you the best night of the year. It guarantees that you’ll be around to celebrate for many more years to come.

Having celebrated many New Years Eve’s in Times Square, freelance writer Nadine Swayne offers this advice to safely ring in 2013!  The law offices of Steinger, Iscoe & Greene know that this is the biggest party night of the year and some might not be as responsible.   If you are injured in an accident due to an impaired driver, the help you’ll find at will offer the right representation to fight for your best interests.

happy new year 2013 Happy New Years! How to Ring in a Safe 2013

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