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Cold weather is all but guaranteed in Sioux Falls winters

Winter has returned to Sioux Falls, and that means that if you work outside, you will probably get cold. However, that doesn't mean that you should get cold enough to endanger your health and your life. Your employer should make sure that you are protected as much as possible form the elements by providing you with the appropriate protective equipment and training.

After living in South Dakota for at least one winter, you probably already know how to deal with the cold, but that doesn't mean that you couldn't benefit from a refresher. If you are new to the area, you may find the information below particularly useful.

It's time to prepare for driving in winter weather again

Kids returning to school, the temperatures dropping and the leaves falling from the trees often signify the end of summer. Before you know it, the weather here in South Dakota turns downright cold, and snow could be in the forecast.

That means that you may need to refresh your memory regarding how to drive in winter weather. You may not have winterized your car yet by having a mechanic give it the once-over, and you may need to put your winter survival and emergency gear back in the trunk. You may also need to remember how to handle your vehicle as you drive on slick, icy and snow-packed roadways.

Calculating the cost of your accident

After an accident, you have a lot on your mind, not the least of which is paying for the property damage, medical bills and lost wages. While your main focus is to recover from your injuries, you may be distracted from this by the thought of your family struggling financially because of the negligence of another driver.

You may have gone online to see if you could find information about what to expect from the insurance company in such a case. If you found and used an online estimator, you should know not to place too much stock in the results it gave you. There are many factors that those estimators and even insurance adjustors may not consider when reaching an offer for your injuries.

The proof you need for a strong disability claim

When a South Dakota resident cannot work due to a physical or mental disability, that individual could be eligible for disability benefits from the Social Security Administration. Even with a valid disabling medical condition, it can be difficult to secure this type of financial support. It can be helpful to understand how to validate your claim and prove you cannot work.

Many people seeking disability benefits find it beneficial to seek guidance as they navigate the entire claims process. From the initial steps of your application to any appeals that may be necessary, you do not have to walk through it alone. Before you file, learn what you need to do to give yourself a higher chance of a successful initial claim.

Stay aware of heat-related risks while on the job

In the summer months, many people enjoy being outside and having a chance to catch the sun. Of course, as someone who works outdoors, you understand how brutal the sun can be over a long day. While you certainly look forward to taking it easy at the end of the day, you also need to understand the importance of avoiding heat-related injuries while on the job.

Some people may not consider the temperature a risk factor for injuries, but heat -- and cold in winter -- can easily cause problems for you and other workers. You could potentially even suffer serious heat-related illnesses that leave you needing immediate medical attention.

Speed and its negative impact on safe driving

As South Dakota readers may know, speeding is one of the most common types of dangerous driving. Many drivers make the decision to go faster than the posted speed limit, yet it is a risky and unnecessarily dangerous behavior. Speeding is particularly dangerous for younger and more inexperienced drivers.

If you are the victim of an accident caused by a speeding driver, you may have the right to seek financial compensation through a civil claim. Speeding is a type of negligent driving, and with help, it is possible to hold liable parties accountable for what you experienced. Speeding may be common, but you do not have to suffer the consequences of this type of reckless behavior alone.

What steps can you take to address bad faith insurance coverage?

Having insurance can often help make you feel more at ease. Even though you appreciate the idea of financial assistance in the event of an emergency, you likely hope that you will not need your insurance coverage often. Of course, accidents do happen, and whether you need to call on your automobile insurance company, health insurance company or other provider, you want them to come to your aid.

Though insurance companies often do uphold their ends of their policy agreements, some agencies may act in bad faith. Acting in bad faith typically means that an insurance company did not act in a manner that suits the situation, including unreasonably denying a claim or making a low-ball payout offer. When this happens, you may feel that you have been cheated out of your rightful coverage, and you may be right.

The serious impact of accident-related brain injuries

The impact of a car accident can affect your life in many ways. From medical bills to lingering physical injuries, even a minor collision can take a major toll on you and your loved ones. This is particularly true if you experienced a brain injury in a South Dakota car crash.

Brain injuries and head trauma are some of the most common types of injuries suffered in car accidents, and they can vary widely in type and severity. Even a seemingly minor injury, such as a mild concussion, can leave you struggling for weeks or months. No matter the type of injury or nature of your pain and suffering, you do not have to suffer the consequences of the reckless or negligent actions of another person alone.

Who is eligible for Social Security Disability benefits?

South Dakota readers know when a person is unable to work due to a physical condition, injury or mental illness, it can have a serious negative impact on his or her financial health. Fortunately, disabled individuals could be eligible to seek financial support through Social Security. If you are planning on filing for these benefits, you may find it beneficial to learn more about eligibility requirements.

Securing Social Security Disability involves more than just having a serious injury or illness. The Social Security Administration has strict requirements for what qualifies as a disability. Before you initiate the claims process, you would be wise to familiarize yourself with these requirements and what you can expect from the claims process.

Someone else's cellphone addiction could leave you injured

When people think of addictions, they may think of individuals who have problems with drugs or alcohol. While it is true that certain addictions can relate to these substances, individuals can also become addicted to other acts that may not immediately seem harmful. For instance, cellphone addiction is a real and prominent issue that could put you and others at risk.

Certainly, cellphones can work as convenient ways to check in with loved ones, look up facts, check bank accounts or numerous other activities. However, if a person continually checks his or her phone and displays other signs and symptoms, it is possible that he or she has a cellphone addiction. Even if you think that you limit your screen time enough to avoid calling yourself addicted, another individual's addiction could still affect you.

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