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Is an insurance company treating you unfairly?

When your insurance company denies your claim following and accident or injury, it may be a shock. You may check your records to see if you have paid your premiums. You may read over your policy to see if your claim falls under one of the many exclusions. Even then, it may be difficult to understand the reason why the insurance company refuses to pay what you need or prolongs the investigation into your claim.

You may be dealing with an insurer who is acting in bad faith. This term can mean many things, but in general, insurers act in bad faith when they are unreasonable in the way they handle legitimate claims. If you are facing bad faith practices, you may have many questions about your legal options for seeking satisfaction for your claim.

Making sense of the medical jargon your doctors use

You were in a motor vehicle accident. In those few seconds, which may have seemed like an eternity at the same time, you suffered a spinal cord injury.

In the flurry of activity that occurred after the crash, you may not have had time to truly understand what doctors were telling you. Right now, all you know is that you have little or no sensation or movement below a certain point in your body. More than likely, you are scared and unsure of your future. It may help to have at least some understanding of what is going on with your body.

Do you know your rights regarding workers' compensation?

A workplace injury can change the trajectory of your life. It can lead to financial loss, painful injuries and leave you unable to work for a period of time. It can be difficult to figure out how to put the pieces back together and move forward from this type of incident. You may know that you could be eligible for benefits through a workers' compensation claim, but you may be unsure of how this process works. 

The intent of workers' compensation benefits is to provide South Dakota workers with the support they need after a work-related accident or the onset of a work-related illness. Even with a valid claim, it is not always easy to get the benefits you need. It is in your interests to know your rights and understand what to do so you can get the financial support you require during your recovery.

Stay alert during the holidays -- distracted driving is worse

The holiday season is in full swing, and it probably feels like the preparations will never end. Whether you are hosting guests at your house or creating travel plans, you have a lot on your mind. Luckily, you are a safe driver, but that does not mean other people are. Distracted driving is actually 33% more common during the last few months of the year.

Smartphones are a big contributor to the rise in distracted driving around the holidays. South Dakota residents rely on their smartphones, probably more than they realize. For some people, their phones are the only way they can access the internet. This does not mean that it is okay to use them while driving, though.

What should you do after an accident in the workplace?

A work accident can disrupt your life and leave you with painful injuries. How can you pick up the pieces and move forward from this point? You may know that you likely have grounds for a workers' compensation claim, but do you even know where to start with this process? Knowing what to do after a work accident is an important component to protecting your rights as an injured South Dakota worker. 

There are specific steps you will have to take in order to secure the workers' compensation benefits you need. You may have to fight to maximize your claim and get the full amount of support that is necessary for a full and fair recovery. After an accident that left you injured at your place of work, you may want to take quick action to start the claims process and get the specific benefits you need.

Fatal red-light accidents on the rise

Does it seem like traffic lights only turn red when you are in a hurry? You are not alone. Rather than stopping to wait one or two minutes for the light to return to green, many drivers opt to hit the gas and try to make it through the intersection before the yellow turns to red. Others simply cruise on through even if the light is already red.

The result is that fatal injuries from red-light collisions are up over 30% in the past 10 years. If you were among those who suffered devastating injuries in a recent red-light collision, or you lost a loved one who was hit by a vehicle driving through a red light, you may wonder if the few seconds saved is worth the risk.

Applying for SSD is a complicated endeavor

Suffering a serious injury or having a condition that qualifies as a disability can make life more difficult for you. Though you may do your best to act independently and live life as best as possible, you understand your limits and know that your inability to work can cause financial issues.

If your condition is a relatively recent development, you may not have considered your options for Social Security Disability benefits yet. However, you may now feel the need to look into assistance programs and your possible chances of qualifying for such benefits.

Did you file an insurance claim only to be treated unfairly?

Having insurance coverage for certain areas of your life is sometimes a requirement by law, and other times, it is not. You, like many other South Dakota residents, many have auto insurance, homeowners' insurance, life insurance and other types of insurance that allow you to feel somewhat protected in the event that a serious incident occurs that can have major financial impacts.

Though insurance is supposed to act as a safeguard, and you likely hoped to never need it, you found yourself in a situation where you needed to submit a claim. You may have ended up in a car accident or in the path of a falling tree, or another sudden incident may have caused serious damage to your home. Whatever the case, you turned to your insurance company for help.

Keeping construction workers safe during hot summer months

Construction is a type of job where workers face certain risks every time they step onto the site. It is a type of work that involves manual labor, working with heavy equipment and being outdoors in all types of weather. Weather is an important consideration for South Dakota construction workers, particularly in the summer months. 

As a construction worker, you understand how hot it can be when working outdoors during the months of the year when the temperatures are higher. Heat safety should be a priority for all employers, and it's critical to provide the proper training and tools necessary to stay safe during this time of year. When you know what to do, it's possible to reduce your chance of suffering from heat-related health complications.

How did your car accident change your life?

A car accident can change your life in an instant, leaving you with painful injuries and physical complications that can affect you for the rest of your life. Recovery is not always easy, and it can be expensive as well. One motor vehicle collision can have serious, long-term financial, physical and emotional implications. 

Every person is different, and the way your accident injuries affect you could be different from the ways that the same injuries affect another person. It's critical to get personalized care and support as you navigate your recovery and work to move forward after a traumatic event. If your suffering is the result of the negligent or reckless actions of another person, you could be entitled to financial compensation to cover your expenses and losses.

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